Quyết định 51/2007/QD-NHNN

Decision No. 51/2007/QD-NHNN of December 31, 2007, on the issuance of regulation on the credit information activity

Decision No. 51/2007/QD-NHNN of December 31, 2007, on the issuance of regulation on the credit information activity đã được thay thế bởi Circular No. 03/2013/TT-NHNN providing on credit information activity và được áp dụng kể từ ngày 01/07/2013.

Nội dung toàn văn Decision No. 51/2007/QD-NHNN of December 31, 2007, on the issuance of regulation on the credit information activity


THE STATE BANK OF VIETNAM
-------------

SOCIALIST REPUBLIC OF VIETNAM
Independence Freedom Happiness
-------------

No. 51/2007/QD-NHNN

Hanoi, December 31, 2007

 

DECISION

ON THE ISSUANCE OF REGULATION ON THE CREDIT INFORMATION ACTIVITY

THE GOVERNOR OF THE STATE BANK

- Pursuant to the Law on the State Bank of Vietnam issued in 1997 and the Law on the amendment, supplement of several articles of the Law on the State Bank of Vietnam issued in 2003;
- Pursuant to the Law on Credit Institutions issued in 1997 and the Law on the amendment, supplement of several articles of the Law on Credit Institutions issued in 2004;
- Pursuant to the Decree No. 52/2003/ND-CP dated 19/5/2003 of the Government providing for the function, assignment, authority and organizational structure of the State Bank of Vietnam;
- Upon the proposal of Director of Credit Information Center,

DECIDES:

Article 1. To issue in conjunction with this Decision the Regulation on the credit information activity.

Article 2. This Decision shall be effective from 1 July 2008 and replace the following Decisions:

- Decision No. 1117/2004/QD-NHNN dated 8 September 2004 of the Governor of the State Bank on the issuance of Regulation on the credit information activity;

- Decision No. 1003/2005/QD-NHNN dated 8 July 2005 of the Governor of the State Bank on the adjustment, supplement of the Appendix on the classification of outstanding loans (attached to Form K3 - Report on the customers outstanding loans) in the Regulation on the credit information activity issued in conjunction with the Decision No. 1117/2004/QD-NHNN dated 8 September 2004 of the Governor of the State Bank;

- Decision No. 50/2006/QD-NHNN dated 2 October 2006 of the Governor of the State Bank on the supplement, replacement of the Form on information collection and Appendix on the classification of outstanding loans in the Regulation on the credit information activity issued in conjunction with the Decision No. 1117/2004/QD-NHNN dated 8 September 2004 and the Decision No. 1003/2005/QD-NHNN dated 8 July 2005 of the Governor of the State Bank;

- Decision No. 987/2001/QD-NHNN dated 2 August 2001 of the Governor of the State Bank on the issuance of the Regulation on the management, supply and exploitation, use of electronic credit information.

Article 3. The Director of Administrative Department, Heads of units of the State Bank of Vietnam, the Director of the Credit Information Center, General Managers of the State Bank's branches in provinces, cities under the central Governments management, the Chief Representative of the State Bank in Hochiminh city, Chairmen of the Board of Directors and General Directors (Directors) of Credit Institutions, other organizations engaging in banking activity, related organizations and individuals shall be responsible for the implementation of this Decision.

 

 

FOR THE GOVERNOR OF THE STATE BANK OF VIETNAM
DEPUTY GOVERNOR




Nguyen Toan Thang

 

REGULATION

ON THE CREDIT INFORMATION ACTIVITY
(issued in conjunction with the Decision No. 51/2007/QD-NHNN dated 31 December 2007 of the Governor of the State Bank )

Chapter I

GENERAL PROVISIONS

Article 1. Governing scope

This Regulation shall govern the credit information activity of the State Bank, credit institutions, other organizations engaging in banking activity, organizations and individuals using credit information service, in order to serve the management activity of the State Bank, prevent, limit credit risks making contribution to ensuring the security of banking activity and the socio-economic development.

Article 2. Subjects of application

1. Units of the State Bank of Vietnam.

a) The Credit Information Center.

b) Departments and units of the State Bank.

c) The State Bank's branches in provinces, cities under the central Governments management.

2. Credit Institutions, other organizations engaging in banking activity.

3. Other organizations, which and individuals, who use the credit information service.

Article 3. Interpretation

Terms stated in this Regulation shall be construed as follows:

1. Credit information is information of customer who has credit relation with a Credit Institution or another organization engaging in banking activity and other information relating to customer in the credit relation with the Credit Institution or another organization engaging in banking activity.

2. Credit information activity is the collection, processing, keeping and provision, exploitation and use of credit information.

3. Credit information product is periodical, unexpected credit information reports, publications made by the Credit Information Center on the basis of analyzing, synthesizing, assessing information of customers who have credit relation with Credit Institutions or other organizations engaging in banking activity.

4. Credit information service is the provision of credit information products; giving support to solutions of credit information administration and credit risk administration; giving support, providing advice, transfer of technology on credit information administration software; providing advice and giving support to the search of credit information.

5. Customers who have credit relation with credit institutions, other organizations engaging in banking activity including:

a) Customer being organizations: the State owned enterprises, cooperatives, limited liability companies, joint-stock companies, private enterprises, partnership companies, foreign invested enterprises and other organizations (except for subjects stipulated in point 2, Article 2 of this Regulation).

Groups, corporations, holding companies and subsidiaries that perform the independent accounting are considered as a customer.

b) Customer being individuals, family households, and cooperative groups.

c) Customer being credit card holder (individuals or organizations whose credit cards are supplied by credit institutions, other organization engaging in banking activity) including main cardholder and secondary cardholder.

Article 4. Report on norms of credit information

1. Credit institutions, other organizations engaging in banking activity shall have to make report on norms of credit information to the Credit Information Center The State Bank of Vietnam according to the Appendix on reporting norms System of credit information attached to this Regulation.

2. Content, time of report

2.1 Information of legal documents of customers who have credit relation with Credit Institutions, other organizations engaging in banking activity, shall be reported within 3 working days at the latest since the appearance of the first credit relation or variation, change in information of legal document. Specially as follows:

a) For customers being organizations: including general information norms of borrowers (who have ordinal number from 01 to 18) and particular information for customers being organizations;

b) For customers being individuals, family households, cooperative groups: including general information norms of borrowers (who have ordinal number from 01 to 18) and particular information for customers being individuals, family households, cooperative groups (that have ordinal number of 26 and from 34 to 39);

c) For customers being credit cardholders: including general information norms of borrowers (who have ordinal number from 01 to 18) and particular information for customers being credit cardholders, including information of loan security asset, credit limit of credit card (who have ordinal number from 34 to 47 and from 233 to 236, 246, 247, 267, 296);

2.2. Information of financial capacity of customers being organization includes: balance sheet, profit/loss statement and cash flow statement (if any) in accordance with the sample form stipulated by the Ministry of Finance. The deadline for the sending of above reports to the Information Center is after 03 working days at the latest since the first credit relation of customer or on April 15th of the following year of the reporting year at the latest for customers having credit relation.

2.3. Information of outstanding loans of customers (to report in case of any change in outstanding loans), shall be periodically reported each 3 working days and at the last working day of each month, including such norms as customer ID, customer name, information of outstanding loan of customers (who have ordinal number of 01, 02, from 48 to 232), and details of each loan that is classified in accordance with provisions. Customers being individuals, family households, cooperative groups (that have ordinal number from 290 to 295) shall make report on further information of consumer loan;

2.4. Information of loan security of customers shall be reported within 3 working days at the latest since the appearance of the first borrowing relation of customers or the change of information.

a) In case of loans pledged by trust, to report such norms as customer ID, customer names address of customers and information of loan security (with the ordinal number of 01, 02, 06 and from 233 to 237).

b) In case of loans with security asset, to report such norms as customer ID, customers names, customer addresses and information of loan security (with ordinal number of 01, 02, 06 and from 238 to 239). Borrowers using security asset of the third party shall make report on further norms of holder of assets (ordinal number of 270) including name, address, peoples identity card or passport of the holder (having ordinal number of 02, 06 and from 35 to 38);

2.5. Information of the guarantee to customers shall be reported on the 10th, at the latest, of the following month for the information at the end of last month (in case of any change), including such norms as customer ID, customer names, customer addresses and information of guarantee to customers (having ordinal number of 01, 02, 06 and from 271 to 289);

2.6. Information of outstanding of credit card (to report in case of any change) shall be reported monthly, on the last working day of each month, including such norms as customer ID, customer names and information of outstanding of credit card (having ordinal number of 01, 02 and from 48 to 59) ;

2.7. Information of customer whose total outstanding loans are equal to or more than 15% of the own capital of the credit institution, other organization engaging in banking activity, shall be reported periodically each 5 working days and on the last working day of each month, including such norms as customer ID, customer name, customer addresses and information of customer whose total outstanding loans are equal to or more than 15% of the own capital of the credit institution, other organization engaging in banking activity (having ordinal number of 01, 02, 06 and from 299 to 307);

2.8. Information of breach of provisions on credit card shall be reported monthly, on the last working day of each month, including such norms as customer ID, customer name and information of credit card (having ordinal number of 01, 02, 297 and 298);

3. The mode of reporting is performed in the form of electronic file in accordance with detailed guidance of the Credit Information Center. Except for information of financial capacity of customer, it shall be reported in written form.

Article 5. Processing, keeping and provision, exploitation and use of information

1. The processing of credit information shall be made at the Credit Information Center through the examination, selection, ensuring the reliability of input information and analyses, synthesis of information, including analyses for enterprise credit ratings, credit scoring to consumer individual in order to establish credit information product.

2. Keeping of credit information

a) Credit information shall be kept, managed safely, confidentially and conveniently for the exploitation and use at the Credit Information Center and standby unit.

b) Duration for the keeping of credit information of one customer is 5 years since the last supplement, update of credit information.

3. Credit Information Center shall provide credit information products and shall be entitled to collect service fee in accordance with provisions of the Governor of the State Bank.

4. Exploitation and use of credit information

4.1. Credit Information Center shall facilitate the exploitation and use of credit information product.

4.2. Organizations which and individuals who exploit and use credit information product shall be obliged to respect the following provisions:

a) To use credit information product in accordance with the purposes stipulated in Article 1 of this Regulation.

b) Not to use credit information product of the Credit Information Center for providing to other organizations, individuals.

Chapter II

RESPONSIBILITIES AND AUTHORITIES OF ORGANIZATIONS, INDIVIDUALS ENGAGING IN CREDIT INFORMATION ACTIVITY

Article 6. Credit Information Center

1. Responsibilities

a) To act as a coordinator in managing, guiding, speeding up the implementation of the credit information activity according to its competence;

b) To establish and provide guidance on codes system, information norms, electronic file forms and common standards relating to the credit information activity of organizations, individuals engaging in the credit information activity.

c) To collect, process the credit information and organize, build, manage the national credit information data bank;

d) To provide Board of Management of the State Bank and units of the State Bank with credit information in accordance with applicable provisions.

e) To provide subjects stipulated in paragraph 2 and 3, Article 2 of this Regulation with credit information services.

g) To support the training of credit information officers of organizations engaging in the credit information activity when required.

2. Authorities

a) To request organizations engaging in the credit information activity to fully, accurately and timely provide the reporting norms of credit information as provided for in Article 4 of this Regulation.

b) To take the lead and cooperate with units of the State Bank, credit institutions, other organizations engaging in banking activity in the implementation of the credit information activity.

c) To examine the reporting and quality of credit information of credit institutions, other organizations engaging in banking activity in accordance with provisions of this Regulation.

d) To be permitted to refuse to provide the credit information services to subjects that do not correctly comply with provisions of this Regulation.

Article 7. Departments, units of the State Bank

1. To be responsible for coordinating with, providing the Credit Information Center with related information within their management scope in order to deploy the implementation of activity and build up a national credit information data bank in accordance with applicable provisions.

2. To be entitled to exploit, use credit information product for the State management work.

3. The State Banks Inspectorate shall be responsible for organizing the inspection of the compliance with this Regulation by credit institutions, other organizations engaging in banking activity.

Article 8. State Bank's branches in provinces, cities under the central Governments management

1. Responsibilities

a) To arrange organization, personnel and related conditions for the implementation of credit information operation in their units.

b) To speed up, examine the implementation of this Regulation by local credit institutions, branches of credit institutions, other organizations engaging in banking activity.

2. Authorities

a) To be permitted to exploit, use credit information products for the management work of the State Bank in the locality.

b) To be permitted to organize the exploitation and provision of the credit information products in accordance with guidance of the Credit Information Center to credit institution, branches of credit institutions, other organizations engaging in banking activity in the locality.

c) To be entitled to receive the support from the Credit Information Center for the training of officers involved in credit information operation.

Article 9. Credit Institutions, other organizations engaging in banking activity

1. Responsibilities

a) To be responsible for the sufficiency, honesty, accuracy and timeliness of credit information norms reported to the Credit Information Center.

b) To design the technical, security process, customer ID and to comply with common standards relating to the credit information activity under the guidance of the Credit Information Center for the unified safe implementation.

c) To exploit and use credit information products in order to prevent, limit risks, improve credit quality.

2. Authorities

a) To be entitled to exploit and use credit information;

b) To be entitled to request the Credit Information Center to verify the accuracy, timeliness of the credit information provided by the Credit Information Center.

c) To be supported by the Credit Information Center in training, guiding officers involved in the credit information operation.

Article 10. Other organizations which and individuals who use credit information

Other organizations and individuals that have a demand for the exploitation and use of the credit information product shall submit their requirement for the exploitation and use of the credit information to the Credit Information Center and comply with provisions on the use of credit information as provided for in this Regulation.

Chapter III

REWARD AND DEALING WITH VIOLATION

Article 11. Reward

Annually, the Credit Information Center shall make report to the Governor of the State Bank on the result of the credit information activity for his consideration of reward to organizations, individuals that make achievements in the credit information activity.

Article 12. Dealing with violation

Organizations, individuals that violate provisions in this Regulation shall be, depending on the nature, seriousness of violation, subject to administrative punishment in accordance with current provisions.

Chapter VII

IMPLEMENTING PROVISIONS

Article 15. The Director of the Credit Information Center shall be responsible for providing guidance on the implementation of this Regulation.

 

APPENDIX

ON REPORT INDICES OF CREDIT INFORMATION
Applied to the Credit Information Center and credit institutions, other organizations engaging in banking activity

Ordinal number

Norm code

Norm name

Note

I. INFORMATION OF LEGAL DOCUMENT OF CUSTOMERS

1. General information of borrowers

01

K101

Customer ID

 

02

K102

Customer name

 

03

K103

Trading name

 

04

K104

Abbreviated name

 

05

K105

Contact/Transaction information

 

06

K1051

Address of head office

 

07

K1052

Code of head office

As provided for in Decision No. 23/2007/QD-NHNN

08

K1053

Telephone number

 

09

K1054

Fax number

 

10

K1055

Website address

 

11

K1056

Email address

 

12

K106

Nationality and residence

 

13

K1061

Nationality

 

14

K1062

Residence

 

15

K107

Tax code

 

16

K108

Business registration certificate

 

17

K1081

Number of business registration certificate

 

18

K1082

Date of issue

 

2. Particular information for customers being organizations

19

K130

Decision on establishment

State-owned enterprise

20

K1301

Number of decision on establishment

 

21

K1302

Issue date of decision on establishment

 

22

K1303

Agency issuing the decision on establishment

 

23

K131

Direct management agency

 

24

K132

Economic type

 

25

K133

Economic sector

 

26

K134

Business line

Stating according to business registration certificate

27

K135

Name, title of Boar of Directors members

 

28

K136

General Director (Director)

 

29

K137

Total number of existing employees

 

30

K138

Chapter capital

 

31

K1381

VND

 

32

K1382

Foreign currency converted into USD

 

33

K139

Branches, subsidiaries, affiliates

 

3. Particular information for customers being individuals, family households, cooperative groups and credit cardholders

34

K160

Date of birth

 

35

K161

Identity card/Passport

 

36

K1611

Number of identity card/Passport

 

37

K1612

Date of issue

 

38

K1613

Place of issue

 

39

K162

Name of wife or husband

 

40

K163

Remaining duration in Vietnam

For card holder being foreigner (month)

41

K164

Credit card

 

42

K1641

Card type

 

43

K1642

Issuing date of card

 

44

K1643

Expiry date of card

 

45

K1644

Secondary card

 

46

K16441

Full name of card holder

 

47

K16442

Relationship with main cardholder

 

II. INFORMATION OF OUTSTANDING LOANS OF CUSTOMERS

48

K3

Outstanding loans of customer

 

49

K301

Outstanding short term loans

 

50

K30101

Outstanding short term loans in VND standard

 

51

K30102

Outstanding short term loans in foreign currency standard

 

52

K30103

Outstanding short term loans in VND that need special mention

 

53

K30104

Outstanding short term loans in foreign currency that need special mention

 

54

K30105

Outstanding short term loans in VND - substandard

 

55

K30106

Outstanding short term loans in foreign currency - substandard

 

56

K30107

Outstanding short term loans in VND doubtful

 

57

K30108

Outstanding short term loans in foreign currency doubtful

 

58

K30109

Outstanding short term loans in VND potentially irrecoverable

 

59

K30110

Outstanding short term loans in foreign currency potentially irrecoverable

 

60

K302

Outstanding medium term loans

 

61

K30201

Outstanding medium term loans in VND standard

 

62

K30202

Outstanding medium term loans in foreign currency standard

 

63

K30203

Outstanding medium term loans in VND that need special mention

 

64

K30204

Outstanding medium term loans in foreign currency that need special mention

 

65

K30205

Outstanding medium term loans in VND - substandard

 

66

K30206

Outstanding medium term loans in foreign currency - substandard

 

67

K30207

Outstanding medium term loans in VND doubtful

 

68

K30208

Outstanding medium term loans in foreign currency doubtful

 

39

K30209

Outstanding medium term loans in VND potentially irrecoverable

 

70

K30210

Outstanding medium term loans in foreign currency potentially irrecoverable

 

71

K303

Outstanding long term loans

 

72

K30301

Outstanding long term loans in VND standard

 

73

K30302

Outstanding long term loans in foreign currency standard

 

74

K30303

Outstanding long term loans in VND that need special mention

 

75

K30304

Outstanding long term loans in foreign currency that need special mention

 

76

K30305

Outstanding long term loans in VND - substandard

 

77

K30306

Outstanding long term loans in foreign currency - substandard

 

78

K30307

Outstanding long term loans in VND doubtful

 

79

K30308

Outstanding long term loans in foreign currency doubtful

 

80

K30309

Outstanding long term loans in VND potentially irrecoverable

 

81

K30310

Outstanding long term loans in foreign currency potentially irrecoverable

 

82

K304

Outstanding debts from the discount of commercial papers and valuable papers

 

83

K30401

Outstanding debts from the discount of commercial papers and valuable papers in VND standard

 

84

K30402

Outstanding debts from the discount of commercial papers and valuable papers in foreign currency standard

 

85

K30403

Outstanding debts from the discount of commercial papers and valuable papers in VND that need special mention

 

86

K30404

Outstanding debts from the discount of commercial papers and valuable papers in foreign currency that need special mention

 

87

K30405

Outstanding debts from the discount of commercial papers and valuable papers in VND - substandard

 

88

K30406

Outstanding debts from the discount of commercial papers and valuable papers in foreign currency - substandard

 

89

K30407

Outstanding debts from the discount of commercial papers and valuable papers in VND - doubtful

 

90

K30408

Outstanding debts from the discount of commercial papers and valuable papers in foreign currency - doubtful

 

91

K30409

Outstanding debts from the discount of commercial papers and valuable papers in VND potentially irrecoverable

 

92

K30410

Outstanding debts from the discount of commercial papers and valuable papers in foreign currency potentially irrecoverable

 

93

K305

Outstanding debts from finance leasing

 

94

K30501

Outstanding debts from finance leasing in VND standard

 

95

K30502

Outstanding debts from finance leasing in foreign currency standard

 

96

K30503

Outstanding debts from finance leasing in VND that need special mention

 

97

K30504

Outstanding debts from finance leasing in foreign currency that need special mention

 

98

K30505

Outstanding debts from finance leasing in VND - substandard

 

99

K30506

Outstanding debts from finance leasing in foreign currency - substandard

 

100

K30507

Outstanding debts from finance leasing in VND - doubtful

 

101

K30508

Outstanding debts from finance leasing in foreign currency doubtful

 

102

K30509

Outstanding debts from finance leasing in VND potentially irrecoverable

 

103

K30510

Outstanding debts from finance leasing in foreign currency potentially irrecoverable

 

104

K306

Outstanding debts from payables in lieu of customers

 

105

K30603

Outstanding debts from payables in lieu of customers in VND that need special mention

 

106

K30604

Outstanding debts from payables in lieu of customers in foreign currency that special mention

 

107

K30605

Outstanding debts from payables in lieu of customers in VND substandard

 

108

K30606

Outstanding debts from payables in lieu of customers in foreign currency substandard

 

109

K30607

Outstanding debts from payables in lieu of customers in VND doubtful

 

110

K30608

Outstanding debts from payables in lieu of customers in foreign currency doubtful

 

111

K30609

Outstanding debts from payables in lieu of customers in VND potentially irrecoverable

 

112

K30610

Outstanding debts from payables in lieu of customers in foreign currency potentially irrecoverable

 

113

K307

Outstanding loans for funds directly received from international organizations

 

114

K30701

Outstanding loans for funds directly received from international organizations in VND standard

 

115

K30702

Outstanding loans for funds directly received from international organizations in foreign currency standard

 

116

K30703

Outstanding loans for funds directly received from international organizations in VND that need special mention

 

117

K30704

Outstanding loans for funds directly received from international organizations in foreign currency that need special mention

 

118

K30705

Outstanding loans for funds directly received from international organizations in VND substandard

 

119

K30706

Outstanding loans for funds directly received from international organizations in foreign currency substandard

 

120

K30707

Outstanding loans for funds directly received from international organizations in VND doubtful

 

121

K30708

Outstanding loans for funds directly received from international organizations in foreign currency doubtful

 

122

K30709

Outstanding loans for funds directly received from international organizations in VND potentially irrecoverable

 

123

K30710

Outstanding loans for funds directly received from international organizations in foreign currency potentially irrecoverable

 

124

K308

Outstanding loans for funds received from the Government

 

125

K30801

Outstanding loans for funds directly received from the Government in VND Standard

 

126

K30802

Outstanding loans for funds received from the Government in foreign currency standard

 

127

K30803

Outstanding loans for funds directly received from the Government in VND that need special mention

 

128

K30804

Outstanding loans for funds directly received from the Government in foreign currency that need special mention

 

129

K30805

Outstanding loans for funds directly received from the Government in VND substandard

 

130

K30806

Outstanding loans for funds directly received from the Government in foreign currency substandard

 

131

K30807

Outstanding loans for funds directly received from the Government in VND doubtful

 

132

K30808

Outstanding loans for funds directly received from the Government in foreign currency doubtful

 

133

K30809

Outstanding loans for funds directly received from the Government in VND potentially irrecoverable

 

134

K30810

Outstanding loans for funds directly received from the Government in foreign currency potentially irrecoverable

 

135

K309

Outstanding loans for funds received from other organizations, individuals

 

136

K30901

Outstanding loans for funds received from other organizations, individuals in VND standard

 

137

K30902

Outstanding loans for funds received from other organizations, individuals in foreign currency standard

 

138

K30903

Outstanding loans for funds received from other organizations, individuals in VND that need special mention

 

139

K30904

Outstanding loans for funds received from other organizations, individuals in foreign currency that need special mention

 

140

K30905

Outstanding loans for funds received from other organizations, individuals in VND substandard

 

141

K30906

Outstanding loans for funds received from other organizations, individuals in foreign currency substandard

 

142

K30907

Outstanding loans for funds received from other organizations, individuals in VND doubtful

 

143

K30908

Outstanding loans for funds received from other organizations, individuals in foreign currency doubtful

 

144

K30909

Outstanding loans for funds received from other organizations, individuals in VND potentially irrecoverable

 

145

K30910

Outstanding loans for funds received from other organizations, individuals in foreign currency potentially irrecoverable

 

146

K310

Outstanding loans for special purpose

 

147

K31001

Outstanding loans for special purpose in VND standard

 

148

K31002

Outstanding loans for special purpose in foreign currency standard

 

149

K31003

Outstanding loans for special purpose in VND that need special mention

 

150

K31004

Outstanding loans for special purpose in foreign currency that need special mention

 

151

K31005

Outstanding loans for special purpose in VND substandard

 

152

K31006

Outstanding loans for special purpose in foreign currency substandard

 

153

K31007

Outstanding loans for special purpose in VND doubtful

 

154

K31008

Outstanding loans for special purpose in foreign currency doubtful

 

155

K31009

Outstanding loans for special purpose in VND potentially irrecoverable

 

156

K31010

Outstanding loans for special purpose in foreign currency potentially irrecoverable

 

157

K311

Outstanding loans for debt repayment

 

158

K31101

Outstanding loans for debt repayment in VND standard

 

159

K31102

Outstanding loans for debt repayment in foreign currency standard

 

160

K31103

Outstanding loans for debt repayment in VND that need special mention

 

161

K31104

Outstanding loans for debt repayment in foreign currency that need special mention

 

162

K31105

Outstanding loans for debt repayment in VND substandard

 

163

K31106

Outstanding loans for debt repayment in foreign currency substandard

 

164

K31107

Outstanding loans for debt repayment in VND doubtful

 

165

K31108

Outstanding loans for debt repayment in foreign currency doubtful

 

166

K31109

Outstanding loans for debt repayment in VND potentially irrecoverable

 

167

K31110

Outstanding loans for debt repayment in foreign currency potentially irrecoverable

 

168

K312

Outstanding loans for investment in capital construction under the State plan

 

169

K31201

Outstanding loans for investment in capital construction under the State plan in VND standard

 

170

K31202

Outstanding loans for investment in capital construction under the State plan in foreign currency standard

 

171

K31203

Outstanding loans for investment in capital construction under the State plan in VND that need special mention

 

172

K31204

Outstanding loans for investment in capital construction under the State plan in foreign currency that need special mention

 

173

K31205

Outstanding loans for investment in capital construction under the State plan in VND substandard

 

174

K31206

Outstanding loans for investment in capital construction under the State plan in foreign currency substandard

 

175

K31207

Outstanding loans for investment in capital construction under the State plan in VND doubtful

 

176

K31208

Outstanding loans for investment in capital construction under the State plan in foreign currency doubtful

 

177

K31209

Outstanding loans for investment in capital construction under the State plan in VND potentially irrecoverable

 

178

K31210

Outstanding loans for investment in capital construction under the State plan in foreign currency potentially irrecoverable

 

179

K313

Other outstanding loans

 

180

K31301

Other outstanding loans in VND standard

 

181

K31302

Other outstanding loans in foreign currency standard

 

182

K31303

Other outstanding loans in VND that need special mention

 

183

K31304

Other outstanding loans in foreign currency that need special mention

 

184

K31305

Other outstanding loans in VND substandard

 

185

K31306

Other outstanding loans in foreign currency substandard

 

186

K31307

Other outstanding loans in VND doubtful

 

187

K31308

Other outstanding loans in foreign currency doubtful

 

188

K31309

Other outstanding loans in VND potentially irrecoverable

 

189

K31310

Other outstanding loans in foreign currency potentially irrecoverable

 

190

K314

Outstanding debts pending settlement

 

191

K31401

Outstanding debts pending settlement in VND secured by foreclosed assets

 

192

K31402

Outstanding debts pending settlement in foreign currency secured by foreclosed assets

 

193

K31403

Outstanding debts in VND secured by the pledged assets which are related to a case pending litigation

 

194

K31404

Outstanding debts in foreign currency secured by the pledged assets which are related to a case pending litigation

 

195

K31405

Outstanding of unsettled debts in VND with security assets

 

196

K31406

Outstanding of unsettled debts in foreign currency with security assets

 

197

K31407

Outstanding of unsettled debts in VND without security assets and without debtor for debts recovery

 

198

K31408

Outstanding of unsettled debts in foreign currency without security assets and without debtor for debts recovery

 

199

K31409

Outstanding of unsettled debts in VND without security assets, but the debtor still exists and is operating

 

200

K31410

Outstanding of unsettled debts in foreign currency without security assets, but the debtor still exists and is operating

 

201

K315

Outstanding of frozen debts

 

202

K31501

Outstanding short-term loans in VND frozen

 

203

K31502

Outstanding short-term loans in foreign currency frozen

 

204

K31503

Outstanding medium-term loans in VND frozen

 

205

K31504

Outstanding medium-term loans in foreign currency frozen

 

206

K31505

Outstanding long-term loans in VND frozen

 

207

K31506

Outstanding long-term loans in foreign currency frozen

 

208

K316

Outstanding loans for investment under trust undertaking contract

 

209

K31601

Outstanding loans for investment under trust undertaking contract in VND standard

 

210

K31602

Outstanding loans for investment under trust undertaking contract in foreign currency standard

 

211

K31603

Outstanding loans for investment under trust undertaking contract in VND that need special mention

 

212

K31604

Outstanding loans for investment under trust undertaking contract in foreign currency that need special mention

 

213

K31605

Outstanding loans for investment under trust undertaking contract in VND substandard

 

214

K31606

Outstanding loans for investment under trust undertaking contract in foreign currency substandard

 

215

K31607

Outstanding loans for investment under trust undertaking contract in VND doubtful

 

216

K31608

Outstanding loans for investment under trust undertaking contract in foreign currency doubtful

 

217

K31609

Outstanding loans for investment under trust undertaking contract in VND potentially irrecoverable

 

218

K31610

Outstanding loans for investment under trust undertaking contract in foreign currency potentially irrecoverable

 

219

K317

Outstanding loans under financing contract

 

220

K31701

Outstanding loans under financing contract in VND - standard

 

221

K31702

Outstanding loans under financing contract in foreign currency standard

 

222

K31703

Outstanding loans under financing contract in VND that need special mention

 

223

K31704

Outstanding loans under financing contract in foreign currency that need special mention

 

224

K31705

Outstanding loans under financing contract in VND substandard

 

225

K31706

Outstanding loans under financing contract in foreign currency substandard

 

226

K31707

Outstanding loans under financing contract in VND doubtful

 

227

K31708

Outstanding loans under financing contract in foreign currency doubtful

 

228

K31709

Outstanding loans under financing contract in VND potentially irrecoverable

 

229

K31710

Outstanding loans under financing contract in foreign currency potentially irrecoverable

 

230

K318

Settled outstanding loans of customer

 

231

K31801

Loss of loans in VND being under supervision

 

232

K31802

Loss of loans in foreign currency being under supervision

 

III. INFORMATION OF LOAN SECURITY OF CUSTOMERS

233

K41

Pledge of trust

 

234

K411

Working duration/number of working years

 

235

K412

Position

 

236

K413

Monthly average income

 

237

K414

Credit limit

 

238

K42

With security asset

 

239

K4221

Asset code

Being unique, no identical

240

K422

Right of land use and assets tied to land

 

241

K423

Means of transportation

 

242

K424

Valuable papers

 

243

K4241

Bond

 

244

K4242

Share

 

245

K4243

Bill

 

246

K4244

Promissory note

 

247

K4245

Deposit certificate

 

248

K4246

Commercial paper

 

249

K4249

Other paper valuated as money

 

250

K425

Metal, precious stone

 

251

K426

Machines, equipments, raw materials, goods

 

252

K4261

Machines, equipments

 

253

K4262

Production line

 

254

K4263

Raw materials

 

255

K4264

Consumer product

 

256

K4269

Other goods

 

257

K427

Other assets that have registered proprietary right and use right

 

258

K4271

Asset right arising from copyright

 

259

K4272

Industrial proprietary right

 

260

K4273

Right of debt collection

 

261

K4274

Right to be insured

 

262

K4275

Right of capital contribution to enterprise

 

263

K4276

Right of natural resource exploitation

 

264

K4277

Income and rights arising from pledged asset

 

265

K4279

Other right of assets

 

266

K428

Other assets

 

267

K429

Asset description

 

268

K43

Date of pledge, mortgage

 

269

K44

Actual date of release of mortgage

making report after release of mortgage

270

K45

Owner of asset

In case of using asset of the third party for pledge, mortgage

IV. INFORMATION OF THE GUARANTEE TO CUSTOMERS

271

K601

Guarantee code

 

272

K602

Domestic customers

Enterprise

273

K6021

Arising date of guarantee

 

274

K6022

Maturity date of guarantee

 

275

K6023

Guaranteed amount

 

276

K60231

VND

 

277

K60232

Foreign currency converted into USD

 

278

K603

International customers

Enterprise

279

K6031

Arising date of guarantee

 

280

K6032

Maturity date of guarantee

 

281

K6033

Guaranteed amount

 

282

K60331

VND

 

283

K60332

Foreign currency converted into USD

 

284

K604

Payables in lieu of customers upon violating guarantee

 

285

K6041

Arising date of debt

 

286

K6042

Outstanding debts

 

287

K60421

VND

 

288

K60422

Foreign currency converted into USD

 

289

K6043

Reason

 

V. INFORMATION OF CONSUMER LOANS

290

K801

Purpose of loan capital use

 

291

K80101

Purchase, repair, building of house

 

292

K80102

Purchase, repair of means of transportation

 

293

K80103

Study, tourism, disease treatment,

 

294

K80104

Purchase of utensils

 

295

K80199

Other consumer demands that do not violate applicable laws

 

VI. INFORMATION OF CREDIT CARDS

296

K802

Credit limit of credit card

 

297

K803

Violation of provisions on credit cards

 

298

K804

Measures to deal with violation

 

VII. INFORMATION OF CUSTOMER WHOSE TOTAL OUTSTANDING LOANS ARE EQUAL TO OR MORE THAN 15% OF THE OWN CAPITAL OF THE CREDIT INSTITUTION, OTHER ORGANIZATION ENGAGING IN BANKING ACTIVITY

299

K901

Own capital of CI

As provided for in Decision No. 457/2005/QD-NHNN

300

K902

Total outstanding loans (converted into VND)

 

301

K903

Latest date of change in outstanding loans

 

302

K904

Reason for overdraft

 

303

K9041

Co-financing

Making report on the part of attendant CI

304

K9042

Designation by government

 

305

K9043

Permission by the Governor of the State Bank

 

306

K9044

Investment trust

 

307

K9099

Other

Cleary state the reason

Note: Unit for VND is VND million and 1 USD for converted foreign currency.

 

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Thuộc tính Văn bản pháp luật 51/2007/QD-NHNN

Loại văn bảnQuyết định
Số hiệu51/2007/QD-NHNN
Cơ quan ban hành
Người ký
Ngày ban hành31/12/2007
Ngày hiệu lực01/07/2008
Ngày công báo...
Số công báo
Lĩnh vựcTiền tệ - Ngân hàng
Tình trạng hiệu lựcHết hiệu lực 01/07/2013
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Lược đồ Decision No. 51/2007/QD-NHNN of December 31, 2007, on the issuance of regulation on the credit information activity


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            Decision No. 51/2007/QD-NHNN of December 31, 2007, on the issuance of regulation on the credit information activity
            Loại văn bảnQuyết định
            Số hiệu51/2007/QD-NHNN
            Cơ quan ban hànhNgân hàng Nhà nước
            Người kýNguyễn Toàn Thắng
            Ngày ban hành31/12/2007
            Ngày hiệu lực01/07/2008
            Ngày công báo...
            Số công báo
            Lĩnh vựcTiền tệ - Ngân hàng
            Tình trạng hiệu lựcHết hiệu lực 01/07/2013
            Cập nhật4 năm trước

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                  Văn bản gốc Decision No. 51/2007/QD-NHNN of December 31, 2007, on the issuance of regulation on the credit information activity

                  Lịch sử hiệu lực Decision No. 51/2007/QD-NHNN of December 31, 2007, on the issuance of regulation on the credit information activity