Quyết định 51/2007/QĐ-NHNN của Ngân hàng Nhà nước Việt Nam về việc ban hành Quy chế hoạt động thông tin tín dụng

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Quyết định 51/2007/QĐ-NHNN của Ngân hàng Nhà nước Việt Nam về việc ban hành Quy chế hoạt động thông tin tín dụng
Cơ quan ban hành: Ngân hàng Nhà nước Việt Nam Số công báo: Đã biết
Số hiệu: 51/2007/QĐ-NHNN Ngày đăng công báo: Đã biết
Loại văn bản: Quyết định Người ký:
Ngày ban hành: 31/12/2007 Ngày hết hiệu lực: Đã biết
Áp dụng: Đã biết Tình trạng hiệu lực: Đã biết
Lĩnh vực: Tài chính-Ngân hàng , Thông tin-Truyền thông
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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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