Thông tư 33/2011/TT-NHNN sửa đổi Thông tư 13/2010/TT-NHNN quy định về tỷ lệ bảo đảm an toàn trong hoạt động của tổ chức tín dụng và Quy chế cho vay của tổ chức tín dụng đối với khách hàng kèm theo Quyết định 1627/2011/QĐ-NHNN do Ngân hàng Nhà nước ban hành

CIRCULAR

OF THE STATE BANK OF VIETNAM AMENDING, SUPPLEMENTING SOME ARTICLES OF THE CIRCULAR NO. 13/2010/TT-NHNN DATED MAY 20, 2010 OF THE STATE BANK OF VIETNAM STIPULATING PRUDENTIAL RATIOS IN OPERATIONS OF CREDIT INSTITUTIONS AND REGULATIONS ON LENDING BY CREDIT INSTITUTIONS TO CLIENTS ISSUED WITH THE DECISION 1627/2001/QD-NHNN DATED DECEMBER 31, 2001 OF THE GOVERNOR OF THE STATE BANK

Pursuant to the Law No. 46/2010/QH12 dated June 29, 2010 of the National Assembly on the State Bank of Vietnam;

Pursuant to the Law No. 47/2010/QH12 dated June 29, 2010 of the National Assembly on Credit Institutions;

Pursuant to the Decree No. 96/2008/ND-CP dated August 26, 2008 of the Government defining the functions, tasks, powers and organizational structure of the State Bank of Vietnam;

On the implementation of the Resolution No. 11/NQ-CP dated February 24, 2011 of the Government on major solutions for controlling inflation, stabilizing the macro economy and ensuring social security;

The State Bank of Vietnam (hereafter called the State Bank) amends, supplements some articles of the Circular No. 13/2010/TT-NHNN dated May 20, 2010 of the State Bank of Vietnam stipulating prudential ratios in operations of credit institutions and Regulations on lending by credit institutions to clients issued with the Decision 1627/2001/QD-NHNN dated December 31, 2001 (hereafter called Regulations on lending by credit institutions to clients) of the Governor of the State Bank as follows:

Article 1. To supplement point (d), clause 5.6, Article 5 of the Circular No. 13/2010/TT-NHNN as follows:

“d) Loans secured by gold”

Article 2. To supplement point (d), clause 1, Article 9 of the Regulations on lending by credit institutions to clients as follows:

“d) To buy gold, except for the case of being accepted by the Governor of the State Bank to fund for buying gold to produce gold bar, produce and handle golden jewelry, fine arts and lend for importing gold materials in accordance with license of the State Bank.

Article 3. Implementation organization

1. This Circular takes effect on October 10, 2011.

2. For any credit contracts signed arising before the effective date of this Circular, credit institutions and lending clients shall continue to implement in accordance with signed agreements to the time of paying original debts and borrowed funds; or credit institutions and clients agree to amend and supplement credit contracts suitably with this Circular’s regulations and other legal regulations.

3. The Chief of the Office, the Chief Banking Inspection and Supervision Inspector, Manager of Monetary Policy Department, heads of units within the State Bank, directors of State Bank branches in provinces and centrally run cities, and Chairmen of Boards of Directors and Member Council, Directors General (Directors) of credit institutions shall implement this Circular.

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