Nội dung toàn văn Circular No. 03/2013/TT-NHNN providing on credit information activity
THE STATE BANK OF VIETNAM | SOCIALIST REPUBLIC OF VIETNAM |
No. 03/2013/TT-NHNN | Hanoi, January 28, 2013 |
CIRCULAR
PROVIDING ON CREDIT INFORMATION ACTIVITY OF THE STATE BANK OF VIETNAM
Pursuant to the Law on the State bank of Vietnam No. 46/2010/QH12, of June 16, 2010;
Pursuant to the Law on credit institutions No. 47/2010/QH12, of June 16, 2010;
Pursuant to the Government’s Decree No. 96/2008/ND-CP of August 26, 2008 defining the functions, tasks, powers and organizational structure of the State bank of Vietnam;
At the proposal of Director of Credit Information Center;
The Governor of the State bank of Vietnam promulgated this Circular providing on credit information activity of the State bank of Vietnam
Chapter 1.
GENERAL PROVISIONS
Article 1. Scope of regulation
This Circular provides on credit information activity of the State bank of Vietnam with the Credit information Centre as focal agency (hereinafter referred to as CIC) including:
1. Providing credit information for the state bank of Vietnam;
2. Handling, storing of and keeping in safety for credit information data;
3. Using credit information products and services;
4. Rights and obligations of relevant organizations, individuals.
Article 2. Subjects of application
1. Departments and units of the State Bank of Vietnam, the State bank’s branches in central-affiliated cities and provinces (hereinafter referred to as units of the State bank of Vietnam)
2. Credit institutions, foreign banks’ branches.
3. Borrowers.
4. Relevant organizations, individuals.
Article 3. Interpretation of terms
In this Circular, the following terms are construed as follows:
1. Credit information activity of the State bank of Vietnam means supply, handling, storing of, and keeping in safety for credit information date and use of credit information products and services (hereinafter referred to as credit information activity).
2. Credit information means information on borrowers and information related to borrowers at credit institutions, foreign banks’ branches.
3. Identification information means information aiming to identify clearly a borrower and distinguish with other borrower.
4. Borrowers include organizations, individuals or other subject as prescribed by law, having credit relationship with credit institutions, foreign banks’ branches.
5. Credit information products mean information report, publications made and supplied by the CIC to organizations, individuals on the basis of credit information gathered.
6. Credit information services mean provision of credit information products and other utilities of CIC for credit institutions, foreign banks’ branches, other organizations and individuals who have need.
7. Database of national credit information means a collection of credit information data and products of all kinds which are managed, saved and used on the information technology system of the CIC.
8. Organizations voluntarily joining the credit information system (hereinafter referred to as voluntary organizations) include:
a) The Vietnam Development Bank, companies with function of debt trading, companies of debt management and asset exploitation, companies of credit information, enterprises providing insurance services, enterprises of securities;
b) Foreign and domestic organizations joining credit financing in Vietnam or having demand to extend credit for Vietnamese organizations or individuals in foreign countries;
c) Other organizations which have demand to joining the credit information system and are accepted by the CIC.
9. Negative information on borrowers means information about: Bad debts; the offences of payment obligation; acts breaking law; being sued, being accused and other disadvantage information which impact to result of assessment on borrowers’ solvency.
10. Use units mean organizations which have registered or signed contract of credit information service use with the CIC.
11. Users mean individuals who are persons of organizations specified in clause 10 this Article and borrowers being individuals to whom the CIC issued accounts to access in the information technology system of the CIC for supply of information, use of credit information services.
Article 4. Purpose of credit information activity
Credit information activity aims to create a database of national credit information in order to support:
1. The State bank of Vietnam (hereinafter referred to as the State bank) in implementation of function on management and supervision of banking activity, contributing in assurance for safe Vietnam bank system.
2. Credit institutions in risk prevention and limitation in business activity.
3. Borrowers in accessing credit capital source of organizations of Credit extension, contributing in promotion for socio-economic development.
Article 5. Principles of credit information activity
1. Strictly abide by provisions of law.
2. Ensure honesty and objectiveness in credit information activity.
3. Ensure rights and benefits of organizations and individuals in provision of credit information, use of credit information products.
Article 6. Banned acts in credit information activity
1. Illegally collect, supply, use information in the State's secret scope or list.
2. Intentionally falsify content of credit information, impacting to lawful rights and interests of relevant organizations, individuals.
3. Illegally supply credit information for unrelated organizations, individuals.
4. Misuse credit information activity for individual interest, infringe benefits of the state, lawful rights and interests of organizations, individuals.
5. Obstruct organizations, individuals in lawful activity of credit information collection and use.
6. Supply credit information products for subjects not be specified in Article 10 of this Circular.
Chapter 2.
CREDIT INFORMATION ACTIVITY
Article 7. Supply of credit information
1. Credit institutions, foreign banks’ branches supply for the CIC all the credit information norm system specified in Annex enclosed with this Circular and classified into norm groups as follows:
a) Information to identify the borrowers who are individuals, business households; information to identify the borrowers being enterprises, other organizations; information to identify the owners of credit card;
b) Information of credit contracts;
c) The borrowers’ information of credit relationship;
d) Information of account status of credit cards;
e) Information of loan security;
g) Financial information of borrowers being enterprises;
h) Information of bond investment in borrowers being enterprises;
2. Voluntary organizations supply for the CIC wholly or part of credit information norm system specified in Annex enclosed with this Circular on the basis of agreement with the CIC, ensuring principle on safety, secret keeping and other provisions of law.
3. Supply of credit information specified in clause 1 and clause 2 this Article is performed under electronic data file form according to groups of credit information norms and guides of the CIC. In special cases, credit institutions, foreign banks’ branches, voluntary organizations may supply in writing for a few of groups or whole groups of credit information norms but must be accepted by the CIC.
Article 8. Time of credit information provision
1. Provision of data shall arise within 03 working days after data is arisen applicable to the following groups of information norms:
a) Groups of information norms specified in points a, b and g clause 1 Article 7 of this Circular when having new borrowers;
b) Groups of information norms specified in points a, b clause 1 Article 7 of this Circular when having at least a norm in group changing content.
2. Groups of information norms specified in points c, d, e and h clause 1 Article 7 of this Circular must be supplied within 05 working days as from the final day of the preceding month.
3. Groups of information norms specified in points g clause 1 Article 7 of this Circular must be supplied before April 30 of the following year.
4. Social policy Banks, People’s credit funds, microfinance organizations must supply data arising in month within 05 working days form the final day of preceding month.
Article 9. Handling, storing of and keeping in safety for credit information
1. On the basis of received information, the CIC use technological and professional solutions in order to handle credit information data including stages of receipt, standardization, cleaning, combination and updating into the database of national credit information.
2. Credit information data shall be kept in the CIC, credit institutions, foreign banks’ branches, voluntary organizations within 05 year, since arising data.
3. Handling, keeping credit information data must ensure intactness, sufficiency, without erroneousness of information during handling, keeping and taking out as required.
4. Credit information data must be kept in secret, and be ensured not to be interfered contrarily to provisions in this Circular and other provisions of law.
Article 10. Subjects of credit information use
1. State management agencies use credit information products in direct service for professional operation on inspection, supervision, investigation, prosecution, trial, execution of judgments; social investigation and statistic and other purposes as prescribed by law.
2. Units of the State bank use credit information products in service for requirement on state management of the State bank
3. Credit institutions, foreign banks’ branches use credit information services for searching customers, assessment on customers' solvency, credit risk control and other professional banking activities.
4. Voluntary organizations use credit information services for customer assessment and other purposes as prescribed by law.
5. Borrowers use credit information services for checking individual information and other purposes as prescribed by law.
6. Apart from subjects specified in above clauses, if an organization or individual use credit information services of a borrower, it is required to have consensus in writing of such borrower.
Article 11. Limitation of credit information use
1. Negative information of borrower is only used in order to make credit information product within 05 years, since such negative information ended, unless otherwise prescribed by law.
2. Information of debts which are dealt by risk provisions is permitted to supply for only the State bank and other state management as prescribed by law.
3. Voluntary organizations, borrowers use credit information services under agreement and commitments with the CIC on the basis of principle on voluntary and assurance for abiding by provisions of law.
4. Organizations, individuals violate provisions in this Circular and other provisions of law, depend on nature and seriousness of violation, shall be restrained part, suspended for a period or stop permanently the right of credit information service use.
Chapter 3.
RIGHTS AND OBLIGATIONS OF RELEVANT ORGANIZATIONS, INDIVIDUALS
Article 12. Rights and obligations of the Credit Information Center
1. To formulate and guide system of code number, information norm, form of report data files, method of information transmission, and to issue right to access into system for users.
2. To gather, handle, save and keep in secret credit information of borrowers from credit institutions, foreign banks’ branches, voluntary organizations and individuals.
3. To urge, examine, supervise implementation of supply of credit information of credit institutions, foreign banks’ branches as prescribed in Article 7, 8 of this Circular.
4. To coordinate with units of the State bank in setting up and timely supply of credit information products in order to meet requirements on state management.
5. To publicize information on principles, scope of credit information service use, process of credit information service use, levels of charge for credit information service use to users.
6. To support training officers in credit information activity for credit institutions, foreign banks’ branches, and voluntary organizations as required.
7. To sign contracts and collect charges of credit information service use applicable with units and users as prescribed by the State bank and the CIC.
8. To decide collection levels of services in principle of assurance of covering sufficiently for operation cost.
9. To restrain or refuse supply of credit information products, services for organizations, individuals who fail to abide by provisions in this Circular and other commitments with the CIC.
10. To issue norms and organize implementation of assessment of credit information supply quality, to apply measures to encourage organizations, individuals in good implementation of credit information activity; to propose handling of violations in credit information activity.
11. To consult units, users on credit information service quality at least one year once.
Article 13. Rights and obligations of relevant units of the State bank
1. Relevant units of the State bank shall, within their functions and duties, be entitled to use credit information products in service for state management activity as prescribed in this Circular.
2. Duty to coordinate with the CIC
a) The Banking inspection and supervision agency
- To supply for the CIC the following information: List of credit institutions, branches, affiliated units of credit institutions, foreign banks’ branches which are established, dissolved, go in bankrupt, purchased, merged; shareholders or founder members, major shareholders of credit institutions; own capital of credit institutions and information related to credit activity of credit institutions, chi nhánh ngân hàng nước ngoài;
- To assume the prime responsibility for, and coordinate with the CIC in inspection, examination of credit information activity in credit institutions, foreign banks’ branches.
b) Department of Monetary statistics and Forecast shall supply statistical data on credit activity of sector for the CIC;
c) Department of Foreign Exchange Control shall, under its competence, supply data of foreign loans and repayment of organizations, individuals domestic for the CIC;
d) Credit Department shall supply cases of loans falling beyond regulation of the State bank for the CIC;
e) The State bank’s branches in central-affiliated cities and provinces shall supply data of foreign loans and repayment of organizations, individuals domestic for the CIC; coordinate with the CIC in implementation of local credit information activity.
Article 14. Rights and obligations of Credit institutions, foreign banks’ branches
1. To supply and take responsibility for exactness, sufficiency, timeliness of credit information as prescribed in Article 7, 8 of this Circular and guides of the CIC.
2. To supply and set up a information technology system which meet requirement on setting up data, controlling data to supply for the CIC; to issue internal regulations and manage system of credit information norms in whole system.
3. To use credit information services as prescribed in Article 11 of this Circular and guides of the CIC;
4. To examine, verify, adjust mistaken data at the request of the CIC, borrowers or upon detecting mistakes.
5. To pay full and timely charges of credit information service use as agreement in contract.
6. To appoint officers joining courses of training credit information which are organized or coordinated to organize by the CIC.
Article 15. Rights and obligations of voluntary organizations joining the credit information system
1. To supply and take responsibility for exactness, sufficiency, timeliness of credit information as prescribed by law and commitments with the CIC.
2. To examine, verify, adjust mistaken data at the request of the CIC, borrowers or upon detecting mistakes.
3. To use credit information services as prescribed in Articles 10, 11 of this Circular and commitments with the CIC;
4. To pay full and timely charges of credit information service use as agreement in contract.
5. To appoint officers joining courses of training credit information which are organized or coordinated to organize by the CIC.
Article 16. Rights and obligations of borrowers
1. To use on free their credit information once in year, including credit information norms specified in points a, c, d and e clause 1 Article 7 this Circular.
2. To use other credit information products of themselves under guides of the CIC;
3. To request the CIC, credit institutions, other relevant organizations for consideration and adjustment of their credit information if detecting mistakes.
4. To complaint when detecting mistakes in their credit information as prescribed in Article 18 of this Circular.
5. Borrowers have obligation to supply fully and honestly credit information to the CIC or credit institutions or other relevant organizations during handling of their complaint.
6. To pay full and timely charges of credit information service use as prescribed by the CIC.
Chapter 4.
ADJUSTMENT OF MISTAKES IN DATA, SETTLEMENT OF COMPLAINTS AND HANDLING OF VIOLATIONS
Article 17. Adjustment of mistakes in data
1. When detecting mistakes in data, credit institutions, foreign banks’ branches, voluntary organizations must re-send credit information data and have a document of competent persons clearly stating reason thereof and suggesting the CIC for adjustment of such mistaken data.
2. If the CIC detects or doubts that data is mistake, the CIC shall coordinate with credit institutions, foreign banks’ branches, voluntary organizations in data consideration and adjustment according to the following order:
a) If data is not right with standard such as wrong file form, lack of compulsory information norm, coincident information or other technical defects, the CIC shall return all data or part of mistaken data. Within 01 working day, credit institutions, foreign banks’ branches, voluntary organizations must fix and re-send report data.
b) If data is doubted to be error, the CIC shall return all data or part of data which is doubted. Within 01 working day, credit institutions, foreign banks’ branches, voluntary organizations must check data and notify result to the CIC, if there are mistakes, they must adjust data as prescribed in clause 1 this Article.
Article 18. Settlement of complaints
1. In case where a borrower detects that his/her/its credit information is mistake, the borrower is entitled to complaint with the CIC, credit institutions, foreign banks’ branches or voluntary organizations (hereinafter referred to as organizations receiving complaints) in order to request for examination, adjustment of information, but not misuse to complaint untruthfully.
The complaints may implement via electronic system or send in writing, in which clearly state reason thereof and enclose with documents, grounds proving mistakes of data.
2. Within 05 working days, after receiving complaints, organizations receiving complaints must notify to borrower. In case of having to supplement information in order to have grounds for verification and settlement, organizations receiving complaints must notify to borrower for supply of relevant information, documents.
3. Within 10 working days, after receiving valid complaints, organizations receiving complaints must consider, adjust mistakes of data and notify to borrower. In case of having to check, verify content of complaints at relevant agencies or organizations, organizations receiving complaints may prolong time of complaint settlement based on actual situation, but borrower must be notified on reason of extension of time.
4. If the mistaken credit information cause disadvantages for borrower, the CIC must send a correction notice to the using units. When receiving the correction notice, the using units must review decision on credit extension.
5. Within 02 working days, after having result of complaint settlement, organizations receiving complaints must notify to customer about such result.
Article 19. Handling of violation
Organizations, individuals violating provisions in this Circular, depend on nature and seriousness of violation, shall be handled in accordance with law.
Chapter 5.
IMPLEMENTATION PROVISIONS
Article 20. Effect
This Circular takes affect from July 01, 2013 and replaces the Decision No. 51/2007/QD-NHNN of December 31, 2007 of the Governor of the State bank on promulgation of Regulation on credit information activity.
Article 21. Organization of implementation
1. The director of Credit Information Center shall guide and organize implementation of this Circular.
2. Heads of units of the State bank, chairperson of Board of Directors, chairperson of Members' Council and General Directors (Directors) of credit institutions, foreign banks’ branches, relevant organizations and individuals shall implement this Circular.
| FOR THE GOVERNOR OF THE STATE BANK OF VIETNAM |
ANNEX
SYSTEM OF CREDIT INFORMATION NORMS (Promulgated together with the Circular No. 03/2013/TT-NHNN, of January 28, 2013)
No. | Report norm code | Original norm code | Name of norm | Format | Note |
General declaration information |
|
| |||
1 | KB001 | KB001 | Full name of reporter | C |
|
2 | KB002 | KB002 | Telephone number of reporter | C |
|
3 | KB003 | KB003 | Own capital of credit institutions | N |
|
Identification information of borrowers being individuals/ business households |
|
| |||
4 | CN001 | CN001 | Credit institutions’ Branch code | C |
|
5 | CN002 | CN002 | Customer ID issued by credit institutions | C |
|
6 | CN003 | CN003 | Full name of borrowers | C |
|
7 | CN004 | CN004 | Sex | N | Male = 1, Female = 0 |
8 | CN005 | CN005 | Date of birth | D |
|
9 | CN006 | CN006 | Address | C |
|
10 | CN007 | CN007 | Provincial, City code | C | Code Table 01 |
11 | CN008 | CN008 | Telephone number | C |
|
12 | CN009 | CN009 | Nationality code | C | Code Table 02 |
13 | CN010 | CN010 | ID card |
|
|
| CN0101 | CN0101 | ID card number | C |
|
| CN0102 | CN0102 | Day of issuing ID card | D |
|
14 | CN011 | CN011 | Other individual papers |
| If any |
| CN0111xx | CN0111 | Number of individual paper xx | C | xx = code table 03 |
| CN0112xx | CN0112 | Day of issuing individual paper xx | D |
|
15 | CN012 | CN012 | Tax Code | C |
|
16 | CN013 | CN013 | Business registration |
| For business households |
| CN0131 | CN0131 | Number of business registration | C |
|
| CN0132 | CN0132 | Date of issuing business registration | D |
|
17 | CN014 | CN014 | Full name of spouse | C | If any |
18 | CN015 | CN015 | ID card number of spouse | C |
|
Identification information of borrowers being enterprises/ other organizations |
|
| |||
19 | TC001 | TC001 | Credit institutions’ Branch code | C |
|
20 | TC002 | TC002 | Customer ID issued by credit institutions | C |
|
21 | TC003 | TC003 | Name of enterprises/ other organizations | C |
|
22 | TC004 | TC004 | Trading name | C |
|
23 | TC005 | TC005 | Abbreviated name | C |
|
24 | TC006 | TC006 | Address | C |
|
25 | TC007 | TC007 | Provincial, City code | C | Code table 01 |
26 | TC008 | TC008 | Other contact information |
| If any |
| TC0081 | TC0081 | Telephone number | C |
|
| TC0082 | TC0082 | Fax | C |
|
| TC0083 | TC0083 | Website | C |
|
| TC0084 | TC0084 | C |
| |
27 | TC009 | TC009 | Tax code (enterprise code for new enterprises or adjustment enterprises) | C |
|
28 | TC010 | TC010 | Day of issuing tax code | D | The first issuance date |
29 | TC011 | TC011 | Number of establishment decision (applicable to organizations not being enterprises such as: social organizations, non-business units, etc) | C |
|
30 | TC012 | TC012 | Day of issuing establishment decision | D |
|
31 | TC013 | TC013 | Number of business registration | C | Number of investment license if being foreign capital enterprise |
32 | TC014 | TC014 | Date of issuing business registration | D |
|
33 | TC015 | TC015 | Type Code of enterprises/ other organizations | C | Code Table 04 |
34 | TC016 | TC016 | Business line code | N | Code Table 05 |
35 | TC017 | TC017 | Charter capital |
|
|
| TC0171yy | TC0171 | Original Currency Amount | N | yy = Code Table 06 |
| TC0172yy | TC0172 | Currency code yy | C | |
36 | TC018 | TC018 | Legal representative | C |
|
37 | TC019 | TC019 | ID card number of representative | C |
|
38 | TC020zz | TC020 | Full name of member of Board of Directors/ Members’ Council zz | C | Zz is from 01 to 99 (if any) |
39 | TC021zz | TC021 | Address of member of Board of Directors/ Members’ Council zz | C | |
40 | TC022zz | TC022 | ID card number of member of Board of Directors/ Members’ Council zz | C | |
41 | TC023 | TC023 | Full name of General Director/ Director | C |
|
42 | TC024 | TC024 | ID card number of General Director/ Director | C |
|
Information of credit contracts |
|
| |||
43 | HD001 | HD001 | Credit institutions’ Branch code | C |
|
44 | HD002 | HD002 | Customer ID issued by credit institutions | C |
|
45 | HD003 | HD003 | Full name of borrower | C |
|
46 | HD004 | HD004 | Number of credit contract | C |
|
47 | HD005 | HD005 | Day of signing contract | D |
|
48 | HD006 | HD006 | Day of ending contract | D |
|
49 | HD007 | HD007 | Day of arising | D |
|
50 | HD008 | HD008 | Interest (% year) | N |
|
51 | HD009 | HD009 | Purpose of using loan | C | Code Table 07 |
52 | HD010 | HD010 | Type of loan | C | Code Table 08 |
53 | HD011 | HD011 | Currency Code | C | Code Table 06 |
54 | HD012 | HD012 | Credit limit in contract | N |
|
55 | HD013 | HD013 | Loan amount in period | N |
|
56 | HD014 | HD014 | Collected debt in period | N |
|
57 | HD015 | HD015 | Outstanding loan in original currency | N |
|
58 | HD016 | HD016 | Debt Group | C | Code Table 09 |
59 | HD017 | HD017 | The following day of repayment | D |
|
60 | HD018 | HD018 | The amount of repayment of the following period | N |
|
61 | HD019 | HD019 | The number of days of late repayment in fact | N |
|
62 | HD020 | HD020 | The amount of late repayment in fact | N |
|
63 | HD021 | HD021 | Number of times of debt extension | N |
|
64 | HD022 | HD022 | The amount of debt extension | N |
|
The borrowers’ information of credit relationship |
|
| |||
65 | DN001 | DN001 | Credit institutions’ Branch code | C |
|
66 | DN002 | DN002 | Customer ID issued by credit institutions | C |
|
67 | DN003 | DN003 | Name of borrowers | C |
|
68 | DN004 | DN004 | Day or report | D |
|
69 | DNA05aabbcc | DNA05 | Outstanding loan of on-balance sheet commitments under type of loan aa, type of currency bb, debt group | N | aa = code table 08; bb = code table 06; cc = code table 09 |
70 | DNA06 | DNA06 | Loan interest which not yet-collected and accounted in balance-sheet | N |
|
71 | DNA07 | DNA07 | Provision have to set up in balance-sheet | N |
|
72 | DNA08 | DNA08 | Provision have set up in balance-sheet | N |
|
73 | DNB09bbcc | DNB09 | Outstanding loan of off-balance sheet commitments under type of currency bb, debt group cc | N | bb = code table 06; cc = code table 09 |
74 | DNB10 | DNB10 | Provision have to set up off- balance-sheet accounts | N |
|
75 | DNB11 | DNB11 | Provision have set up off- balance-sheet accounts | N |
|
76 | DNB12 | DNB12 | Loan interest which not yet-collected and accounted off balance-sheet | N |
|
77 | DNB13 | DNB13 | Number of times of debt extension, adjustment of repayment term | N |
|
Identification information of credit cardholder |
|
| |||
78 | TH000 | TH000 | Credit institutions’ Branch code | C |
|
79 | TH001 | TH001 | Customer ID issued by credit institutions | C |
|
80 | TH002 | TH002 | Full name of major cardholder | C |
|
81 | TH003 | TH003 | Address | C |
|
82 | TH004 | TH004 | Provincial, City code | C | Code Table 01 |
83 | TH005 | TH005 | Telephone number | C |
|
84 | TH006 | TH006 | Nationality | C | Code Table 02 |
85 | TH007 | TH007 | Sex | N | Male = 1, Female = 0 |
86 | TH008 | TH008 | Date of birth | D |
|
87 | TH009 | TH009 | ID card |
|
|
| TH0091 | TH0091 | ID card number | C |
|
| TH0092 | TH0092 | ID card issuing day | D |
|
88 | TH010 | TH010 | Other individual papers |
|
|
| TH0101xx | TH0101 | Number of individual paper | C | xx = Code table 03 |
| TH0102xx | TH0102 | Day of issuing individual paper xx | D | |
89 | TH011 | TH011 | Tax Code | C |
|
90 | TH012 | TH012 | Full name of spouse | C | If any |
91 | TH013 | TH013 | ID card number of spouse | C |
|
92 | TH014zz | TH014 | Full name of secondary cardholder | C | Zz is from 01 to 99 |
93 | TH015zz | TH015 | ID card number of secondary cardholder zz | C | |
Information of account status of credit cards |
|
| |||
94 | TH000 | TH000 | Credit institutions’ Branch code | C |
|
95 | TH001 | TH001 | Customer ID issued by credit institutions | C |
|
96 | TH002 | TH002 | Full name of major cardholder | C |
|
97 | TH101 | TH101 | Number of contract | C |
|
98 | TH102 | TH102 | Type of card | C |
|
99 | TH103 | TH103 | Day of opening card | D |
|
100 | TH104 | TH104 | Expiry date | D |
|
101 | TH105 | TH105 | Day of card closure | D | For cards entitled to close prior to expiry date |
102 | TH106 | TH106 | Credit limit | N |
|
103 | TH107 | TH107 | Date of statement | D |
|
104 | TH108 | TH108 | The payable amount | N |
|
105 | TH109 | TH109 | The minimum payable amount | N |
|
106 | TH110 | TH110 | The paid amount | N |
|
107 | TH111 | TH111 | The overdue amount | N |
|
108 | TH112 | TH112 | The number of overdue days | N |
|
109 | TH113 | TH113 | The number of overdue times | N |
|
Information of loan security |
|
| |||
110 | TS001 | TS001 | Credit institutions’ Branch code | C |
|
111 | TS002 | TS002 | Customer ID issued by credit institutions | C |
|
112 | TS003 | TS003 | Name of borrowers | C |
|
Borrowers without security assets |
|
| |||
113 | TS004 | TS004 | Working place | C |
|
114 | TS005 | TS005 | Working position | C |
|
115 | TS006 | TS006 | Number of working years | N |
|
116 | TS007 | TS007 | The monthly average income | N |
|
Borrowers with security assets |
|
| |||
117 | TS008 | TS008 | Code of security assets issued by credit institutions | C |
|
118 | TS009 | TS009 | Code of security code type | C | Code table 10 |
119 | TS010 | TS010 | Name of asset owner | C |
|
120 | TS011 | TS011 | ID card number of owner | C |
|
121 | TS012 | TS012 | Tax code of owner | C |
|
122 | TS013 | TS013 | The beginning day | D | Day of asset pledge, mortgage |
123 | TS014 | TS014 | The ending day | D | Day of release of mortgage |
124 | TS015 | TS015 | Value of asset | N |
|
125 | TS016 | TS016 | Date of valuation | D |
|
126 | TS017 | TS017 | Description of asset | C |
|
Financial information of borrowers being enterprises |
|
| |||
Norms in the Balance sheet |
|
| |||
127 | BC000yyyy | BC000 | Credit institutions’ Branch code | C |
|
128 | BC001yyyy | BC001 | Customer ID issued by credit institutions | C |
|
129 | BC002yyyy | BC002 | Name of borrowers | C |
|
130 | BC003yyyy | BC003 | Financial year | C |
|
131 | BC004yyyy | BC004 | Calculation unit | C |
|
132 | BC005yyyy | BC005 | Type of currency | C | Code table 06 |
133 | BC006yyyy | BC006 | Audit | C | (1=yes, 0=no) |
134 | BC007yyyy | BC007 | Unified report | C | (1=yes, 0=no) |
135 | CD100yyyy | CD100 | Short-term assets | N |
|
136 | CD110yyyy | CD110 | Money and money equivalent amounts | N |
|
137 | CD111yyyy | CD111 | Money | N |
|
138 | CD112yyyy | CD112 | Money equivalent amounts | N |
|
139 | CD120yyyy | CD120 | Short-term financial investment amounts | N |
|
140 | CD121yyyy | CD121 | Short-term investment | N |
|
141 | CD129yyyy | CD129 | Provision of short-term investment devaluation | N |
|
142 | CD130yyyy | CD130 | Short-term receivables | N |
|
143 | CD131yyyy | CD131 | Receivables of customers | N |
|
144 | CD132yyyy | CD132 | Advance payment for seller | N |
|
145 | CD133yyyy | CD133 | Short-term internal receivables | N |
|
146 | CD134yyyy | CD134 | Receivables according to progress scheduled in construction contract | N |
|
147 | CD135yyyy | CD135 | Other receivables | N |
|
148 | CD139yyyy | CD139 | Provision of bad short-term receivables | N |
|
149 | CD140yyyy | CD140 | Inventory | N |
|
150 | CD141yyyy | CD141 | Inventory | N |
|
151 | CD149yyyy | CD149 | Provision of inventory devaluation | N |
|
152 | CD150yyyy | CD150 | Other short-term assets | N |
|
153 | CD151yyyy | CD151 | Short-term advance-paid cost | N |
|
154 | CD152yyyy | CD152 | The deductable VAT | N |
|
155 | CD154yyyy | CD154 | Tax and other state receivables | N |
|
156 | CD158yyyy | CD158 | Other short-term assets | N |
|
157 | CD200yyyy | CD200 | Long-term assets | N |
|
158 | CD210yyyy | CD210 | Long-term receivables | N |
|
159 | CD211yyyy | CD211 | Long-term receivables of customers | N |
|
160 | CD212yyyy | CD212 | Business capital in affiliated units | N . |
|
161 | CD213yyyy | CD213 | Long-term internal receivables | N |
|
162 | CD218yyyy | CD218 | Other long-term receivables | N |
|
163 | CD219yyyy | CD219 | Provision of bad long-term receivables | N |
|
164 | CD220yyyy | CD220 | Fixed assets | N |
|
165 | CD221yyyy | CD221 | Tangible fixed assets | N |
|
166 | CD222yyyy | CD222 | The original price | N |
|
167 | CD223yyyy | CD223 | Accumulated depreciation | N |
|
168 | CD224yyyy | CD224 | Financial leasing fixed assets | N |
|
169 | CD225yyyy | CD225 | The original price | N |
|
170 | CD226yyyy | CD226 | Accumulated depreciation | N |
|
171 | CD227yyyy | CD227 | Intangible fixed assets | N |
|
172 | CD228yyyy | CD228 | The original price | N |
|
173 | CD229yyyy | CD229 | Accumulated depreciation | N |
|
174 | CD230yyyy | CD230 | Unfinished capital construction cost | N |
|
175 | CD240yyyy | CD240 | Investment real estate | N |
|
176 | CD241yyyy | CD241 | The original price | N |
|
177 | CD242yyyy | CD242 | Accumulated depreciation | N |
|
178 | CD250yyyy | CD250 | Long-term financial investment amounts | N |
|
179 | CD251yyyy | CD251 | Investment in subsidiary companies | N |
|
180 | CD252yyyy | CD252 | Investment in associate companies, join-venture | N |
|
181 | CD258yyyy | CD258 | Other long-term investment | N |
|
182 | CD259yyyy | CD259 | Provision of long-term financial investment devaluation | N |
|
183 | CD260yyyy | CD260 | Other long-term assets | N |
|
184 | CD261yyyy | CD261 | Long-term advance-paid cost | N |
|
185 | CD262yyyy | CD262 | Assets with delay income tax | N |
|
186 | CD268yyyy | CD268 | Other long-term assets | N |
|
187 | CD270yyyy | CD270 | Total asset | N |
|
188 | CD300yyyy | CD300 | Payable debts | N |
|
189 | CD310yyyy | CD310 | Short-term debts | N |
|
190 | CD311yyyy | CD311 | Loans and short-term debts | N |
|
191 | CD312yyyy | CD312 | Payables for seller | N |
|
192 | CD313yyyy | CD313 | Advance payment of purchaser | N |
|
193 | CD314yyyy | CD314 | Tax and other state receivables | N |
|
194 | CD315yyyy | CD315 | Payables for employees | N |
|
195 | CD316yyyy | CD316 | Payable cost | N |
|
196 | CD317yyyy | CD317 | Internal payables | N |
|
197 | CD318yyyy | CD318 | Payables according to progress scheduled in construction contract | N |
|
198 | CD319yyyy | CD319 | Other short-term payables | N |
|
199 | CD320yyyy | CD320 | Provision of short-term payables | N |
|
200 | CD330yyyy | CD330 | Long-term debts | N |
|
201 | CD331yyyy | CD331 | Long-term payables for seller | N |
|
202 | CD332yyyy | CD332 | Long-term internal payables | N |
|
203 | CD333yyyy | CD333 | Other long-term payables | N |
|
204 | CD334yyyy | CD334 | Loans and long-term debts | N |
|
205 | CD335yyyy | CD335 | The payable delay income tax | N |
|
206 | CD336yyyy | CD336 | Provision of allowances for losing employment | N |
|
207 | CD337yyyy | CD337 | Provision of long-term payables | N |
|
208 | CD400yyyy | CD400 | Equity capital | N |
|
209 | CD410yyyy | CD410 | Equity capital | N |
|
210 | CD411yyyy | CD411 | Investment capital of owner | N |
|
211 | CD412yyyy | CD412 | Capital surplus | N |
|
212 | CD413yyyy | CD413 | Other capital of owner | N |
|
213 | CD414yyyy | CD414 | Treasury stocks | N |
|
214 | CD415yyyy | CD415 | Difference due to asset reassessment | N |
|
215 | CD416yyyy | CD416 | Difference of foreign exchange rates | N |
|
216 | CD417yyyy | CD417 | Investment Fund for development | N |
|
217 | CD418yyyy | CD418 | Financial provision Fund | N |
|
218 | CD419yyyy | CD419 | Other Fund of equity capital | N |
|
219 | CD420yyyy | CD420 | Post-tax profit undistributed | N |
|
220 | CD421yyyy | CD421 | Capital source for investment in capital construction | N |
|
221 | CD430yyyy | CD430 | Funding source and other fund | N |
|
222 | CD431yyyy | CD431 | Fund for rewarding and welfare | N |
|
223 | CD432yyyy | CD432 | Funding source | N |
|
224 | CD433yyyy | CD433 | Funding source formed fixed assets | N |
|
225 | CD439yyyy | CD439 | Benefits of minority shareholders | N |
|
226 | CD440yyyy | CD440 | Total capital source | N |
|
Norms in Report of business results |
|
| |||
227 | KQ01yyyy | KQ01 | Revenue from sale of goods and provision of services | N |
|
228 | KQ02yyyy | KQ02 | Revenue deductions | N |
|
229 | KQ10yyyy | KQ10 | Net revenue from sale of goods and provision of services | N |
|
230 | KQ11yyyy | KQ11 | Prime cost of sold goods | N |
|
231 | KQ20yyyy | KQ20 | Gross profit from sale of goods and provision of services | N |
|
232 | KQ21yyyy | KQ21 | Revenue of financial activity | N |
|
233 | KQ22yyyy | KQ22 | Financial cost | N |
|
234 | KQ23yyyy | KQ23 | Of which: Cost for loan interest | N |
|
235 | KQ24yyyy | KQ24 | Cost for sale | N |
|
236 | KQ25yyyy | KQ25 | Enterprise management cost | N |
|
237 | KQ30yyyy | KQ30 | Net profit from business activity | N |
|
238 | KQ31yyyy | KQ31 | Other income | N |
|
239 | KQ32yyyy | KQ32 | Other cost | N |
|
240 | KQ40yyyy | KQ40 | Other profit | N |
|
241 | KQ50yyyy | KQ50 | Total accounting profit before tax | N |
|
242 | KQ51yyyy | KQ51 | Cost for current enterprises income tax | N |
|
243 | KQ52yyyy | KQ52 | Cost for delayed enterprises income tax | N |
|
244 | KQ60yyyy | KQ60 | Profit post enterprise income tax | N |
|
245 | KQ70yyyy | KQ70 | Fundamental interest on shares | N |
|
Norms in report of cash flow (direct) |
|
| |||
Cash flow from business activity |
|
| |||
246 | LCT01yyyy | LCT01 | Amount collected from sale of goods and provision of services, and other revenue | N |
|
247 | LCT02yyyy | LCT02 | Payment for supplier of goods and services | N |
|
248 | LCT03yyyy | LCT03 | Payment for employees | N |
|
249 | LCT04yyyy | LCT04 | Payment for loan interest | N |
|
250 | LCT05yyyy | LCT05 | Amount to spend on enterprise income tax | N |
|
251 | LCT06yyyy | LCT06 | Other amount collected from business activity | N |
|
252 | LCT07yyyy | LCT07 | Other amount to spend on business activity | N |
|
253 | LCT20yyyy | LCT20 | Net cash flow from business activity | N |
|
Cash flow from investment activity |
|
| |||
254 | LCT21yyyy | LCT21 | Amount to spend on purchase, building fixed assets and other long-term assets | N |
|
255 | LCT22yyyy | LCT22 | Amount collected from liquidation, transfer of fixed assets and other long-term assets | N |
|
256 | LCT23yyyy | LCT23 | Amount to spend on loans, purchase of debt instruments of other unit | N |
|
257 | LCT24yyyy | LCT24 | Amount from withdrawal of loans, sale of debt instruments of other unit | N |
|
258 | LCT25yyyy | LCT25 | Amount to spend on investment and capital contribution into another unit | N |
|
259 | LCT26yyyy | LCT26 | Amount of withdrawal from investment, capital contribution into another unit | N |
|
260 | LCT27yyyy | LCT27 | Amount collected from interest on loans, dividend and profit divided | N |
|
261 | LCT30yyyy | LCT30 | Net cash flow from investment activity | N |
|
Cash flow from financial activity |
|
| |||
262 | LCT31yyyy | LCT31 | Amount collected from issuance of shares, received equity capital | N |
|
263 | LCT32yyyy | LCT32 | Amount to pay for the contribution capital of owners, repurchase the issued shares of enterprises | N |
|
264 | LCT33yyyy | LCT33 | Amount received from short-term, long-term loans | N |
|
265 | LCT34yyyy | LCT34 | Amount to pay the principal of loan | N |
|
266 | LCT35yyyy | LCT35 | Amount to pay financial leasing debts | N |
|
267 | LCT36yyyy | LCT36 | Dividend, profit which have paid for owners | N |
|
268 | LCT40yyyy | LCT40 | Net cash flow from financial activity | N |
|
269 | LCT50yyyy | LCT50 | Net cash flow in period | N |
|
270 | LCT60yyyy | LCT60 | Money and money equivalent amounts at the beginning of period | N |
|
271 | LCT61yyyy | LCT61 | Impacts of change of foreign exchange rates in foreign currency conversion | N |
|
272 | LCT70yyyy | LCT70 | Money and money equivalent amounts at the end of period | N |
|
Norms in report of cash flow (indirect) |
|
| |||
Cash flow from business activity |
|
| |||
273 | LCG01yyyy | LCG01 | Before-tax Profit | N |
|
|
|
| Adjustment for items |
|
|
274 | LCG02yyyy | LCG02 | Depreciation of fixed assets | N |
|
275 | LCG03yyyy | LCG03 | Provisions | N |
|
276 | LCG04yyyy | LCG04 | Interest, loss due to difference of foreign exchange rates unperformed | N |
|
277 | LCG05yyyy | LCG05 | Interest, loss from investment activity | N |
|
278 | LCG06yyyy | LCG06 | Cost for loan interest | N |
|
279 | LCG08yyyy | LCG08 | Profit from business activity prior to change of floating capital | N |
|
280 | LCG09yyyy | LCG09 | Increase, reduction of receivables | N |
|
281 | LCG10yyyy | LCG10 | Increase, reduction of Inventory | N |
|
282 | LCG11yyyy | LCG11 | Increase, reduction of payables (excluding payable loans, payable income tax) | N |
|
283 | LCG12yyyy | LCG12 | Increase, reduction of advance-paid cost | N |
|
284 | LCG13yyyy | LCG13 | The loan interest which have paid | N |
|
285 | LCG14yyyy | LCG14 | Enterprise income tax which have paid | N |
|
286 | LCG15yyyy | LCG15 | Other amount collected from business activity | N |
|
287 | LCG16yvvy | LCG16 | Other cost from business activity | N |
|
288 | LCG20yyyy | LCG20 | Net cash flow from business activity | N |
|
Cash flow from investment activity |
|
| |||
289 | LCG21yyyy | LCG21 | Cost for purchase, building fixed assets, real estate for investment and other long-term assets | N |
|
290 | LCG22yyyy | LCG22 | Amount collected from liquidation, transfer of fixed assets, real estate for investment and other long-term assets | N |
|
291 | LCG23yyyy | LCG23 | Cost for loans, purchase of debt instruments of other unit | N |
|
292 | LCG24yyyy | LCG24 | Amount from withdrawal of loans, sale of debt instruments of other unit | N |
|
293 | LCG25yyyy | LCG25 | Amount to spend on investment and capital contribution into another unit | N |
|
294 | LCG26yyyy | LCG26 | Amount of withdrawal from capital contribution into another unit | N |
|
295 | LCG27yyyy | LCG27 | Amount collected from interest on loans, dividend and profit divided | N |
|
296 | LCG30yyyy | LCG30 | Net cash flow from investment activity | N |
|
Cash flow from financial activity |
|
| |||
297 | LCG31yyyy | LCG31 | Amount collected from issuance of shares, receipt of equity capital | N |
|
298 | LCG32yyyy | LCG32 | Amount to pay for the contribution capital of owners, repurchase the issued shares of enterprises | N |
|
299 | LCG33yyyy | LCG33 | Amount received from short-term, long-term loans | N |
|
300 | LCG34yyyy | LCG34 | Amount to pay the principal of loan | N |
|
301 | LCG35yyyy | LCG35 | Amount to pay financial leasing debts | N |
|
302 | LCG36yyyy | LCG36 | Dividend, profit which have paid for owners | N |
|
303 | LCG40yyyy | LCG40 | Net cash flow from financial activity | N |
|
304 | LCG50yyyy | LCG50 | Net cash flow in year | N |
|
305 | LCG60yyyy | LCG60 | Money and money equivalent amounts at the beginning of year | N |
|
306 | LCG61yyyy | LCG61 | Impacts of change of foreign exchange rates in foreign currency conversion | N |
|
307 | LCG70yyyy | LCG70 | Money and money equivalent amounts at the end of year | N |
|
Information of bond investment in borrowers being enterprises |
|
| |||
308 | TP001 | TP001 | Credit institutions’ Branch code | C |
|
309 | TP002 | TP002 | Customer ID issued by credit institutions | C |
|
310 | TP003 | TP003 | Name of issuance enterprise | C |
|
311 | TP004 | TP004 | The issuance day | D |
|
312 | TP005 | TP005 | Number of investment contract | C |
|
313 | TP006 | TP006 | Year interest | N |
|
314 | TP007 | TP007 | Quantity of bond | N |
|
315 | TP008 | TP008 | Maturity date of payment | D |
|
316 | TP009 | TP009 | Total investment value | N |
|
317 | TP010 | TP010 | Code of currency type | C | Code table 06 |
318 | TP011 | TP011 | Purpose of bond issuance | C | Of enterprises |
319 | TP012 | TP012 | Risks provision which have to set up | N |
|
320 | TP013 | TP013 | Risk provision which set up in fact | N |
|
Note: yyyy means financial year
CODE TABLE 01/CIC: Provincial, City code
No. | Name of province, city | Code |
1 | Hanoi city | 1 |
2 | Ha Giang province | 2 |
3 | Cao Bang province | 4 |
4 | Bac Kan province | 6 |
5 | Tuyen Quang province | 8 |
6 | Lao Cai province | 10 |
7 | Dien Bien province | 11 |
8 | Lai Chau province | 12 |
9 | Son La province | 14 |
10 | Yen Bai province | 15 |
11 | Hoa Binh province | 17 |
12 | Thai Nguyen province | 19 |
13 | Lang Son province | 20 |
14 | Quang Ninh province | 22 |
15 | Bac Giang province | 24 |
16 | Phu Tho province | 25 |
17 | Vinh Phuc province | 26 |
18 | Bac Ninh province | 27 |
19 | Hai Duong province | 30 |
20 | Hai Phong city | 31 |
21 | Hung Yen province | 33 |
22 | Thai Binh province | 34 |
23 | Ha Nam province | 35 |
24 | Nam Dinh province | 36 |
25 | Ninh Binh province | 37 |
26 | Thanh Hoa province | 38 |
27 | Nghe An province | 40 |
28 | Ha Tinh province | 42 |
29 | Quang Binh province | 44 |
30 | Quang Tra province | 45 |
31 | Thua Thien Hua province | 46 |
32 | Da Nang city | 48 |
33 | Quang Nam province | 49 |
34 | Quang Ngai province | 51 |
35 | Binh Dinh province | 52 |
36 | Phu Yen province | 54 |
37 | Khanh Hoa province | 56 |
38 | Ninh Thuan province | 58 |
39 | Binh Thuan province | 60 |
40 | Kon Tum province | 62 |
41 | Gia Lai province | 64 |
42 | Dac Lac province | 66 |
43 | Dac Nong province | 67 |
44 | Lam Dong province | 68 |
45 | Binh Phuoc province | 70 |
46 | Tay Ninh province | 72 |
47 | Binh Duong province | 74 |
48 | Dong Nai province | 75 |
49 | Ba Ria-Vung Tau province | 77 |
50 | Hochiminh city | 79 |
51 | Long An province | 80 |
52 | Tien Giang province | 82 |
53 | Ben Tre province | 83 |
54 | Tra Vinh province | 84 |
55 | Vinh Long province | 86 |
56 | Dong Thap province | 87 |
57 | An Giang province | 89 |
58 | Kien Giang province | 91 |
59 | Can Tho province | 92 |
60 | Hau Giang province | 93 |
61 | Soc Trang province | 94 |
62 | Bac Lieu province | 95 |
63 | Ca Mau province | 96 |
CODE TABLE 02/CIC: NATIONAL CODE
No. | Name of country | Sign | Code |
1 | Afghanistan | AFG | 001 |
2 | Albania | ALB | 002 |
3 | Algeria | DZA | 003 |
4 | Andorra | AND | 004 |
5 | Angola | AGO | 005 |
6 | Antigua and Barbuda | ATG | 006 |
7 | Argentina | ARG | 007 |
8 | Armenia | ARM | 008 |
9 | Australia | AUS | 009 |
10 | Austria | AUT | 010 |
11 | Azerbaijan | AZE | 011 |
12 | Bahamas | BHS | 012 |
13 | Bahrain | BHR | 013 |
14 | Bangladesh | BGD | 014 |
15 | Barbados | BRB | 015 |
16 | Belarus | BLR | 016 |
17 | Belgium | BEL | 017 |
18 | Belize | BLZ | 018 |
19 | Benin | BEN | 019 |
20 | Bhutan | BTN | 020 |
21 | Bolivia | BOL | 021 |
22 | Bosnia and Herzegovina | BIH | 022 |
23 | Botswana | BWA | 023 |
24 | Brazil | BRA | 024 |
25 | Brunei Darussalam | BRN | 025 |
26 | Bulgaria | BGR | 026 |
27 | Burkina Faso | BFA | 027 |
28 | Burundi | BDI | 028 |
29 | Cambodia | KHM | 029 |
30 | Cameroon | CMR | 030 |
31 | Canada | CAN | 031 |
32 | Cape Verde | CPV | 032 |
33 | Central African Republic | CAF | 033 |
34 | Chad | TCD | 034 |
35 | Chile | CHL | 035 |
36 | China | CHN | 036 |
37 | Colombia | COL | 037 |
38 | Comoros | COM | 038 |
39 | Congo | COG | 039 |
40 | Costa Rica | CRI | 040 |
41 | Cote d’ Ivoire | CIV | 041 |
42 | Croatia | HRV | 042 |
43 | Cuba | --- | 043 |
44 | Cyrus | --- | 044 |
45 | Czech Republic | CZE | 045 |
46 | Democratic People’s Republic of Korea | PRK | 046 |
47 | Democratic Republic of the Congo | COD | 047 |
48 | Denmark | DNK | 048 |
49 | Djibouti | DJI | 049 |
50 | Dominica | DMA | 050 |
51 | Dominican Republic | DOM | 051 |
52 | Ecuador | ECU | 052 |
53 | Egypt | EGY | 053 |
54 | El Salvador | SLV | 054 |
55 | Equatorial Guinea | GNQ | 055 |
56 | Eritrea | ERI | 056 |
57 | Estonia | EST | 057 |
58 | Ethiopia | ETH | 058 |
59 | Fiji | FJI | 059 |
60 | Finland | FIN | 060 |
61 | France | FRA | 061 |
62 | Gabon | GAB | 062 |
63 | Gambia | GMB | 063 |
64 | Georgia | GEO | 064 |
65 | Germany | DEU | 065 |
66 | Ghana | GHA | 066 |
67 | Greece | GRC | 067 |
68 | Grenada | GRD | 068 |
69 | Guatemala | GTM | 069 |
70 | Guinea | GIN | 070 |
71 | Guinea-Bissau | GNB | 071 |
72 | Guyana | GUY | 072 |
73 | Haiti | HTI | 073 |
74 | Honduras | HND | 074 |
75 | Hungary | HUN | 075 |
76 | Iceland | ISL | 076 |
77 | India | IND | 077 |
78 | Indonesia | IDN | 078 |
79 | Iran (Islamic Republic of) | IRN | 079 |
80 | Iraq | IRQ | 080 |
81 | Ireland | IRL | 081 |
82 | Israel | ISR | 082 |
83 | Italy | ITA | 083 |
84 | Jamaica | JAM | 084 |
85 | Japan | JPN | 085 |
86 | Jordan | JOR | 086 |
87 | Kazakhstan | KAZ | 087 |
88 | Kenya | KEN | 088 |
89 | Kiribati | KIR | 089 |
90 | Kuwait | KWT | 090 |
91 | Kyrgyzstan | KGZ | 091 |
92 | Lao People’s Democratic Republic | LAO | 092 |
93 | Latvia | LVA | 093 |
94 | Lebanon | LBN | 094 |
95 | Lesotho | LSO | 095 |
96 | Liberia | LBR | 096 |
97 | Libyan Arab Jamahiriya | LBY | 097 |
98 | Liechtenstein | LIE | 098 |
99 | Lithuania | LTU | 099 |
100 | Luxembourg | LUX | 100 |
101 | Madagascar | MDG | 101 |
102 | Malawi | MWI | 102 |
103 | Malaysia | MYS | 103 |
104 | Maldives | MDV | 104 |
105 | Mali | MLI | 105 |
106 | Malta | MLT | 106 |
107 | Marshall Islands | MHL | 107 |
108 | Mauritania | MRT | 108 |
109 | Mauritius | MUS | 109 |
110 | Mexico | MEX | 110 |
111 | Micronesia, Federared States of | FSM | 111 |
112 | Monaco | MCO | 112 |
113 | Mongolia | MNG | 113 |
114 | Montenegro | --- | 114 |
115 | Morocco | MAR | 115 |
116 | Mozambique | MOZ | 116 |
117 | Myanmar | MMR | 117 |
118 | Namibia | NAM | 118 |
119 | Nauru | NRU | 119 |
120 | Nepal | NPL | 120 |
121 | Netherlands | NLD | 121 |
122 | New Zealand | NZL | 122 |
123 | Nicaragua | NIC | 123 |
124 | Niger | NER | 124 |
125 | Nigeria | NGA | 125 |
126 | Norway | NOR | 126 |
127 | Oman | OMN | 127 |
128 | Pakistan | PAK | 128 |
129 | Palau | PLW | 129 |
130 | Panama | PAN | 130 |
131 | Papua New Guinea | PNG | 131 |
132 | Paraguay | PRY | 132 |
133 | Peru | PER | 133 |
134 | Philippines | PHL | 134 |
135 | Poland | POL | 135 |
136 | Portugal | PRT | 136 |
137 | Qatar | QAT | 137 |
138 | Republic of Korea | KOR | 138 |
139 | Republic of Moldova | MDA | 139 |
140 | Romania | ROU | 140 |
141 | Russian Federation | RUS | 141 |
142 | Rwanda | RWA | 142 |
143 | Saint Kitts and Nevis | KNA | 143 |
144 | Saint Lucia | LCA | 144 |
145 | Saint Vincent and the Grenadines | VCT | 145 |
146 | Samoa | WSM | 146 |
147 | San Marino | SMR | 147 |
148 | Sao Tome and Principe | STP | 148 |
149 | Saudi Arabia | SAU | 149 |
150 | Senegal | SEN | 150 |
151 | Serbia | --- | 151 |
152 | Seychelles | SYC | 152 |
153 | Sierra Leone | SLE | 153 |
154 | Singapore | SGP | 154 |
155 | Slovakia | SVK | 155 |
156 | Slovenia | SVN | 156 |
157 | Solomon Islands | SLB | 157 |
158 | Somalia | SOM | 158 |
159 | South Africa | ZAF | 159 |
160 | Spain | ESP | 160 |
161 | Sri Lanka | LKA | 161 |
162 | Sudan | SDN | 162 |
163 | Suriname | SUR | 163 |
164 | Swaziland | SWZ | 164 |
165 | Sweden | SWE | 165 |
166 | Switzerland | CHE | 166 |
167 | Syrian Arab Republic | SYR | 167 |
168 | Tajikistan | TJK | 168 |
169 | Thailand | THA | 169 |
170 | The former Yugoslav Republic of Macedonia | MKD | 170 |
171 | Timor-Leste | TLS | 171 |
172 | Togo | TGO | 172 |
173 | Tonga | TON | 173 |
174 | Trinidad and Tobago | TTO | 174 |
175 | Tunisia | TUN | 175 |
176 | Turkey | TUR | 176 |
177 | Turkmenistan | TKM | 177 |
178 | Tuvalu | TUV | 178 |
179 | Uganda | UGA | 179 |
180 | Ukraine | UKR | 180 |
181 | United Arab Emirates | ARE | 181 |
182 | United Kingdom | GBR | 182 |
183 | United Republic of Tanzania | TZA | 183 |
184 | United States | USA | 184 |
185 | Uruguay | URY | 185 |
186 | Uzbekistan | UZB | 186 |
187 | Vanuatu | VUT | 187 |
188 | Venezuela | VEN | 188 |
189 | VietNam | VNM | 189 |
190 | Yemen | YEM | 190 |
191 | Zambia | ZMB | 191 |
192 | Zimbabwe | ZWE | 192 |
CODE TABLE 03/CIC: CODE OF INDIVIDUAL PAPER TYPE
No. | Name of individual paper type | Code |
1 | Passport | 01 |
2 | Household registration book | 02 |
3 | The automobile driving license | 03 |
4 | Army card | 04 |
5 | Student card | 05 |
6 | Other individual papers | 06 |
CODE TABLE 04/CIC: CODE OF ORGANIZATION TYPE
No. | Type of organization and individuals | Code |
1 | State-owned company | 01 |
2 | One-member limited liability company owned 100% charter capital by state | 02 |
3 | Limited liability company with two or more members in which state owns over 50% of charter capital or has control right | 03 |
4 | Other limited liability companies | 04 |
5 | Joint-stock company in which state own over 50% of charter capital or total voting shares; or has control right stated in charter of company | 05 |
6 | Other joint-stock company | 06 |
7 | Partnerships | 07 |
8 | Private enterprise | 08 |
9 | Enterprise with foreign investment capital | 09 |
10 | Cooperative and union of cooperatives | 10 |
11 | Business household, individual | 11 |
12 | Non-business administrative unit, party, mass, association | 12 |
13 | Other | 13 |
CODE TABLE 05/CIC: BUSINESS LINE CODE
No. | Line | Code |
1 | Agriculture, forestry and fishery | 0101 |
2 | Mineral mining | 0201 |
3 | Industry of processing, manufacture | 0202 |
4 | Production and distribution of electricity, gas, hot water, steam and air condition | 0203 |
5 | Supply of water; activity of management and handling of garbage, sewage | 0204 |
6 | Construction | 0301 |
7 | Wholesale and retail; repair of automobile, motor bike and other motor vehicles | 0401 |
8 | Warehousing and transport | 0402 |
9 | Accommodation and catering service | 0403 |
10 | Information and Communication | 0501 |
11 | Financial, Banking and Insurance Activities | 0601 |
12 | Real estate business activity | 0602 |
13 | Specialist, science and technology activities | 0701 |
14 | Administrative activities and support services | 0702 |
15 | Activities of the Party, socio-political organizations, state management, security and defense; compulsory social assurance | 0801 |
16 | Education and training | 0802 |
17 | Medical and social assistance activities | 0803 |
18 | Arts, recreation and entertainment | 0804 |
19 | Other service activities | 0805 |
20 | Activities of hired employment in households, production of material products and self-consumption services of households | 0806 |
21 | Activities of international organizations and agencies | 0807 |
CODE TABLE 06/CIC: SIGN OF CURENSICES OF COUNTRIES
No. | Name of country (Vietnam) | Name of currence | Sign | |
Letter | Number | |||
1 | VIETNAM | DONG | VND | 00 |
2 | VIETNAM | GOLD | XAU | 01 |
3 | SLOVAKIA | SLOVAKKORUNA | SKK | 09 |
4 | MODAMBIQUE | METICAL | MZM | 10 |
5 | NICARAGUA | CORDOBA ORO | NIO | 11 |
6 | YUGOSLAVIA | NEW DINAR | YUM | 12 |
7 | AUSTRIA | EURO | EUR | 14 |
8 | BELGIUM | EURO | EUR | 14 |
9 | FINLAND | EURO | EUR | 14 |
10 | FRANCE | EURO | EUR | 14 |
11 | GERMANY | EURO | EUR | 14 |
12 | IRELAND | EURO | EUR | 14 |
13 | ITALIA | EURO | EUR | 14 |
14 | LUXEMBOURG | EURO | EUR | 14 |
15 | NETHERLANDS | EURO | EUR | 14 |
16 | TURKEY | EURO | EUR | 14 |
17 | SPAIN | EURO | EUR | 14 |
18 | GUINEA- BISSAU | GUINEA-BISSAU PESO | GWP | 15 |
19 | HONDURAS | LEMPIRA | HNL | 16 |
20 | ANBANI | LEK | ALL | 17 |
21 | POLAND | ZLOTY | PLN | 18 |
22 | BUN GA RI | LEV | BGL | 19 |
23 | LIBERIA | LIBERIAN DOLLAR | LRD | 20 |
24 | HUNGARY | FORINT | HƯF | 21 |
25 | RUSSIA | RUSSIAN RUBLE(NEW) | RUB | 22 |
26 | MONGOLIA | TUGRIK | MNT | 23 |
27 | RUMANI | LEU | ROL | 24 |
28 | CZECHOSLOVAKIA | CZECH KORUNA | CZK | 25 |
29 | CHINA | YAN RENMINBI | CNY | 26 |
30 | NORTH KOREA | NORTH KOREAN WON | KPW | 27 |
31 | CUBA | CUBAN PESO | CUP | 28 |
32 | LAOS | KIP | LAK | 29 |
33 | CAMBODIA | RIEL | KHR | 30 |
34 | PAKISTAN | PAKISTAN RUPEE | PKR | 31 |
35 | ACHENTINA | ARGENTINE PESO | ARS | 32 |
36 | CAMROON | CFA FRANC BEAC | XAF | 33 |
37 | ANDURAT | SPANISIC PESETA | ESP | 34 |
38 | GUERNSEY,C.I. | POUND STERLING | GBP | 35 |
39 | ISLE OF MAN | POUND STERLING | GBP | 35 |
40 | JERSEY,C.I | POUND STERLING | GBP | 35 |
41 | ENGLAND | POUND STERLING | GBP | 35 |
42 | HONG KONG | HONGKONG DOLLAR | HKD | 36 |
43 | AMERICAN SAMOA | US DOLLAR | USD | 37 |
44 | BRISTISH INDIAN OCEAN TERRITORY | US DOLLAR | USD | 37 |
45 | GUAM | US DOLLAR | USD | 37 |
46 | HAITI | US DOLLAR | USD | 37 |
47 | MARSHALL ISLANDS | US DOLLAR | USD | 37 |
48 | MICRONESIA (PERERATED STATES OF) | US DOLLAR | USD | 37 |
49 | NORTHERN MARIANA ISLANDS | US DOLLAR | USD | 37 |
50 | PALAU | US DOLLAR | USD | 37 |
51 | PANAMA | US DOLLAR | USD | 37 |
52 | PUERTO RICO | US DOLLAR | USD | 37 |
53 | TURKS AND CAICOS ISLANDS | US DOLLAR | USD | 37 |
54 | AMERICA | US DOLLAR | USD | 37 |
55 | UNITED STATES MINOR OU | US DOLLAR | USD | 37 |
56 | VIRGIN ISLANDS,BRISTISH | US DOLLAR | USD | 37 |
57 | VIRGIN ISLANDS,U.S. | US DOLLAR | USD | 37 |
58 | UNITED STATES MINOR OU | US DOLLAR | USD | 37 |
59 | FRANCE | FRENCH FRANC | FRF | 38 |
60 | FRENCH SOUTHERN TERRI | FRENCH FRANC | FRF | 38 |
61 | GUADELOUPE | FRENCH FRANC | FRF | 38 |
62 | MANTINIQUE | FRENCH FRANC | FRF | 38 |
63 | MAYOTTE | FRENCH FRANC | FRF | 38 |
64 | MONACO | FRENCH FRANC | FRF | 38 |
65 | REUNION | FRENCH FRANC | FRF | 38 |
66 | SAINT PIERRE AND MIQUEL | FRENCH FRANC | FRF | 38 |
67 | LIECHTENSTEIN | SWISS FRANC | CHF | 39 |
68 | SWITZERLAND | SWISS FRANC | CHF | 39 |
69 | GERMANY | DEUTSCHE MARK | DEM | 40 |
70 | JAPAN | YEN | JPY | 41 |
71 | TURKEY | PORTUGUESE ESCUDO | PTE | 42 |
72 | GINE | GUINEA FRANC | GNF | 43 |
73 | SOMALIA | SOMA- SHILLING | SOS | 44 |
74 | THAILAND | BAHT | THB | 45 |
75 | BRUNEI DARUSSALAM | BRUNEI DOLLAR | BND | 46 |
76 | BRAZIL | BRAZILIAN REAL | BRL | 47 |
77 | SWEDEN | SWEDISH KRONA | SEK | 48 |
78 | BOUVET ISLAND | NORWEGIAN KRONE | NOK | 49 |
79 | NAUY | NORWEGIAN KRONE | NOK | 49 |
80 | SVALBARD AND JAN MAYE | NORWEGIAN KRONE | NOK | 49 |
81 | DENMARK | DANISH KRONE | DKK | 50 |
82 | FAEROE ISLAND | DANISH KRONE | DKK | 50 |
83 | GREENLAND | DANISH KRONE | DKK | 50 |
84 | LUXEMBOURG | LUXEMBOURG FRANC | LUF | 51 |
85 | AUSTRIA | AUSTRALIAN DOLLAR | AUD | 52 |
86 | CHRISMAST ISLAND | AUSTRALIAN DOLLAR | AUD | 52 |
87 | COCOS(KEELING) ISLAND | AUSTRALIAN DOLLAR | AUD | 52 |
88 | KIRIBATI | AUSTRALIAN DOLLAR | AUD | 52 |
89 | NORFOLK ISLAND | AUSTRALIAN DOLLAR | AUD | 52 |
90 | TUVALU | AUSTRALIAN DOLLAR | AUD | 52 |
91 | CANADA | CANADIAN DOLLAR | CAD | 53 |
92 | SINGAPORE | SINGAPORE DOLLAR | SGD | 54 |
93 | MALAYSIA | MALAYSIAN RINGGIT | MYR | 55 |
94 | ALGIERI | ALGERIAN DINAR | DZD | 56 |
95 | YEMEN | YEMENI RIAL | YER | 57 |
96 | IRAQ | IRAQI DINAR | IQD | 58 |
97 | LIBYAN ARB JAMAHIRJYA | LIBYAN DINAR | LYD | 59 |
98 | TUNISIA | TUNISIAN DINAR | TND | 60 |
99 | BELGIUM | BELGIAN FRANC | BEF | 61 |
100 | LUCXEMBOURG | BELGIAN FRANC | BEF | 61 |
101 | MAROOCO | MOROCCAN DIRHAM | MAD | 62 |
102 | COLOMBIA | COLOMBIAN PESO | COP | 63 |
103 | CAMEROON | CFA FRANC BEAC | XAF | 64 |
104 | CENTRAL AFRICAN REPUBLIC | CFA FRANC BEAC | XAF | 64 |
105 | SAT | CFA FRANC BEAC | XAF | 64 |
106 | CONGO | CFA FRANC BEAC | XAF | 64 |
107 | EQUATORIAL GUINEA | CFA FRANC BEAC | XAF | 64 |
108 | GABON | CFA FRANC BEAC | XAF | 64 |
109 | ANGOLA | KWANZA REAJUSTADO | AOR | 65 |
110 | NETHERLANDS | NETHERLANDS GUILDER | NLG | 66 |
111 | BENIN | CFA FRANC BCEAO | XOF | 67 |
112 | BURKINA FASO | CFA FRANC BCEAO | XOF | 67 |
113 | COTED'IVOIRE | CFA FRANC BCEAO | XOF | 67 |
114 | GUINEA- BISSAU | CFA FRANC BCEAO | XOF | 67 |
115 | MALI | CFA FRANC BCEAO | XOF | 67 |
116 | NIGER | CFA FRANC BCEAO | XOF | 67 |
117 | SENEGAL | CFA FRANC BCEAO | XOF | 67 |
118 | TOGO | CFA FRANC BCEAO | XOF | 67 |
119 | EGYPT | EGYPTIAN POUND | EGP | 69 |
120 | SYRIAN ARAB REPUBLIC | SYRIAN POUND | SYP | 70 |
121 | LIBAN | LEBANESE POUND | LBP | 71 |
122 | ETHIOPIA | ETHIOPIANBIRR | ETB | 72 |
123 | IRELAND | IRISH POUND | IEP | 73 |
124 | TURKEY | TURKISH LIRA | TRL | 74 |
125 | HOLY SEE(VATICAN CITY STATE) | ITALIAN LIRA | ITL | 75 |
126 | ITALIA | ITALIAN LIRA | ITL | 75 |
127 | SAN MARINO | ITALIAN LIRA | ITL | 75 |
128 | FINLAND | MARKKA | FIM | 76 |
129 | MEXICO | MEXICAN PESO | MXN | 77 |
130 | PHILIPPIN | PHILIPPINE PESO | PHP | 78 |
131 | PARAGUAY | GUARANI | PYG | 79 |
132 | GREEK | DRACHMA | GRD | 80 |
133 | BHUTAN | INDIAN RUPEE | INR | 81 |
134 | INDIA | INDIAN RUPEE | INR | 81 |
135 | SRILANKA | SRI LANKA RUPEE | LKR | 82 |
136 | BANGLADET | TAKA | BDT | 83 |
137 | INDONESIA | RUPIAH | IDR | 84 |
138 | AUSTRIA | SCHILLING | ATS | 85 |
139 | ECUADOR | SUCRE | ECS | 87 |
140 | NEWZEALAND | NEWZEALAND DOLLAR | NZD | 88 |
141 | NIUE | NEWZEALAND DOLLAR | NZD | 88 |
142 | PITCAIRN | NEWZEALAND DOLLAR | NZD | 88 |
143 | TOKELAU | NEWZEALAND DOLLAR | NZD | 88 |
144 | GIBUTI | DJIBUTI FRANC | DJF | 89 |
145 | ANDORRA | SPANISH PESETA | ESP | 90 |
146 | SPAIN | SPANISH PESETA | ESP | 90 |
147 | SAUDI ARABIA | SAUDI RYAL | SAR | 91 |
148 | PERU | NUEVO SOL | PEN | 92 |
149 | PANAMA | BALBOA | PAB | 93 |
150 | TAIWAN | NEW TAIWAN DOLLAR | TWD | 94 |
151 | MACAU | PATACA | MOP | 95 |
152 | IRAN (ISLAMIC REPUBLIC OF) | IRANIAN RIAL | IRR | 96 |
153 | KUWAIT | KUWAITI DINAR | KWD | 97 |
154 | KOREA | WON | KRW | 98 |
155 | OTHER COUNTRIES | OTHER CURRENCIES |
| 99 |
CODE TABLE 07/CIC: CODE OF LOAN USE PURPOSE
No. | Purpose of using loans | Code |
1 | Consumption loans | 01 |
2 | Real estate investment and business loans | 02 |
3 | Securities investment and business loans | 03 |
4 | Trading and service loans | 04 |
5 | Production loans | 05 |
5.1 | Industrial production | 051 |
5.2 | Agricultural and forestry production | 052 |
5.3 | Aquaculture, seafood processing | 053 |
5.4 | Other production | 054 |
6 | Loans for construction of bridges, roads | 06 |
7 | Loans fos other purposes | 09 |
CODE TABLE 08/CIC: CODE OF LOAN TYPE
No. | Name of loan type | Code |
1 | Outstanding short-term loans | 01 |
2 | Outstanding medium-term loans | 02 |
3 | Outstanding long-term loans | 03 |
4 | Oustamding debts from the discount of commercial and valuable papers | 04 |
5 | Oustamding debts from financial leasing | 05 |
6 | Oustamding debts from payables in lieu of customers | 06 |
7 | Outstanding loans for funds directly received from international organizations | 07 |
8 | Outstanding loans for funds received from the Government | 08 |
9 | Outstanding loans for funds received from other organizations,individuals | 09 |
10 | Special Outstanding loans for funds | 10 |
11 | Outstanding loans for debt repayment | 11 |
12 | Outstanding loans for investment in capital construction under the State plane | 12 |
13 | Other outstanding loans | 13 |
14 | Outstanding debts pending settlement | 14 |
15 | Outstanding of frozen debts | 15 |
16 | Outstanding loans for investment under trust undertaking contract | 16 |
17 | Outstanding loans under financing contract | 17 |
18 | Settled outstanding loans of customer | 18 |
CODE TABLE 09/CIC: CODE OF DEBT GROUP
No. | Debt Group | Code |
1 | Group 1 (Sandard Debt) | 01 |
2 | Group 2 (Special mention) | 02 |
3 | Group 3 (Subsandard Debt) | 03 |
4 | Group 4 (Doubtful debt) | 04 |
5 | Group 5 (Potentially irrecoverable debt) | 05 |
CODE TABLE 10/CIC: CODE OF LOAN SECURITY TYPE
No. | Name of loan security asset | Code |
1 | Land-use right and assets attached with land | 01 |
2 | Means of transport | 02 |
3 | Valuable papers | 03 |
4 | Bonds | 04 |
5 | Stocks | 05 |
6 | Bills | 06 |
7 | Promissory notes | 07 |
8 | Deposit certificates | 08 |
9 | Commercial papers | 09 |
10 | Other papers valuated as money | 10 |
11 | Metal, precious stone | 11 |
12 | Machines, equipments, raw materials, goods | 12 |
13 | Machines, equipments | 13 |
14 | Production lines | 14 |
15 | Raw materials | 15 |
16 | Consumption goods | 16 |
17 | Other goods | 17 |
18 | Other assets that have registered ownership and use right | 18 |
19 | Asset right arising from copyright | 19 |
20 | Industrial ownership | 20 |
21 | Right of debt collection | 21 |
22 | Right to be insured | 22 |
23 | Right of capital contribution to enterprise | 23 |
24 | Right of natural resource exploitation | 24 |
25 | Income and rights arising from pledged assets | 25 |
26 | Other right of asset | 26 |
27 | Other asset | 27 |
