STATE BANK OF VIETNAM | SOCIALIST REPUBLIC OF VIETNAM |
No. 1309/QD-NHNN | Hanoi, July 24, 2020 |
GOVERNOR OF STATE BANK
Pursuant to Law on State bank of Vietnam;
Pursuant to Decree No. 16/2017/ND-CP dated February 17, 2017 of the Government on functions, tasks, powers, and organizational structure of the State Bank of Vietnam;
Pursuant to Decision No. 149/QD-TTg dated January 22, 2020 of Prime Minister on approval of national financial inclusion strategy until 2025 with orientation to 2030;
At request of Director of Institute of Banking Strategy.
HEREBY DECIDES:
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Article 2.This Decision comes into effect from the day of signing.
Article 3.Chief of Office, Director of Institute of Banking Strategy, heads of entities affiliated to the State Bank of Vietnam, directors of State Bank of Vietnam of provinces and central-affiliated cities, Chairpersons of Banking Associations, Chairpersons of Vietnam Association of People’s Credit Funds, Chairpersons of Board of Directors, Chairpersons of Board of Directors and General Directors of credit institutions, branches of foreign banks and intermediary payment service providers are responsible for implementation of this Decision./.
PP. GOVERNOR
DEPUTY GOVERNOR
Nguyen Kim Anh
OF BANKING SECTOR IN IMPLEMENTATION OF NATIONAL FINANCIAL INCLUSION STRATEGY UNTIL 2025 WITH ORIENTATION TO 2030
(Attached to Decision No. 1309/QD-NHNN dated July 24, 2020 of Governor of the State Bank of Vietnam)
On January 22, 2020, the Prime Minister signs Decision No. 149/QD-TTg on approval of national financial inclusion strategy until 2025 with orientation to 2030 (hereinafter referred to as “Strategy”).
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I. OBJECTIVES OF THE ACTION PLAN
1. The Action plan aims to organize implementation of tasks and solutions identified in the Strategy related to functions and tasks of banking sector to achieve the objectives and principles set forth under the Strategy.
2. The Action plan serves as the basis for departments, authorities, service providers affiliated to SBV and branches of SBV in provinces and central-affiliated cities, enterprises under management of SBV, credit institutions, branches of foreign banks , intermediary payment service providers, Banking Associations, Vietnam Association of People’s Credit Funds (hereinafter referred to as “entities in banking sector”) to develop or revise strategies, plans and action programs within their tasks and functions to direct and organize implementation of specific tasks of their units as specified under the Strategy.
3. Action plan shall serve as the basis for organizing examination, inspection, intermediate conclusion, final conclusion, assessment and experience-based learning of implementation of the Strategy; as the basis for cooperating with relevant agencies in requesting the Prime Minister to consider revising objectives and details of the Strategy if necessary.
II. BASIC REQUIREMENTS OF THE ACTION PLAN
Development and implementation of affairs and tasks defined in this Action plan shall be based on following basic requirements:
1. Thoroughly publicize objectives set forth by the Strategy for effective implementation of:
1.1. the role of a standing agency of the National Steering Committee for financial inclusion: take charge and cooperate with ministries, local governments and relevant entities in organizing implementation; provide guidelines, expedite and assess implementation of the Strategy and produce periodic reports on a yearly basis; produce intermediate and final assessment for implementation results of the Strategy.
1.2. the role of directing implementation of relevant tasks and solutions in banking sector: implement tasks and solutions in the Strategy adequately and progressively; supervise implementation; assess level and ability to achieve specific objectives in each stage and at the final period of the Strategy and request revision of objectives to depending on situations if necessary to ensure high feasibility.
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3. Ensure consistency with organization of implementation of action programs of the Government for execution of resolutions of the Communist Party, socio-economic development strategies and plans of the country and banking sector from time to time.
1. Publicize and popularize Action plan and Strategy
1.1. Publicize principles, objectives, tasks and solutions of the Strategy on mass media.
1.2. Organize conferences to publicize details of the Action plan and Strategy to entities in banking sector.
1.3. Develop website for financial inclusion to provide financial information and official information on financial inclusion.
1.4. Develop other communication programs regarding the Action plan and Strategy.
2. Assess implementation of the Action plan
2.1. Assessment shall consist of 4 categories:
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- Implementation progress of tasks and solution of the Strategy assigned under the Action plan;
- Level and ability to achieve objectives of the Strategy set forth for each stage and in the final period of the Strategy,
- Difficulties during implementation period and propositions for amendments and revision of tasks, objectives and solutions of the Strategy (if necessary).
2.2. Assessment method: Strategy implementation shall be assessed via following means:
- Via reporting regime;
+ Annual term essays regarding implementation of tasks and solutions of the Strategy;
+ Intermediate reports on implementation result of the Strategy in 2025, amendments and addition to tasks and solutions of the following stage (if necessary);
+ Final reports on implementation results of the Strategy in 2030;
+ Irregular reports at request of governors or competent authorities.
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+ Examine and assess implementation results of the Action plan in entities in banking sector (if necessary);
+ Organize investigation and survey for implementation of tasks, objectives and solutions of the Strategy (if necessary).
- Via statistical figure consolidation and analysis to assess level and ability to achieve objectives of the Strategy.
- Rectification measures as per the law.
2.3. Conferences for intermediate assessment and final assessment for implementation results of the Strategy:
- Conference for intermediate assessment shall be held in 2025 to assess implementation results of objectives, tasks and solutions of the Strategy during the 2020 – 2025 period and propose revision and addition (if any) for the following stage.
- Conference for final assessment shall be held in 2030 to assess implementation results of objectives, tasks and solutions of the Strategy and propose direction and tasks for the following period (if any).
- Organize periodic or specialized meetings (if necessary).
3. Responsibilities for implementation
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3.2. With respect to entities that must develop development strategies according to regulations and law and Decision No. 34/QD-NHNN dated January 7, 2019 of Governor of the State Bank of Vietnam on issuance of Action programs of banking sector in implementation of development strategies of banking sector of Vietnam to 2025 with orientation to 2030. Review, amend and integrate tasks related to implementation and Strategy into development strategies of their entities and request competent authorities to approve.
3.3. With respect to Institute of Banking Strategy
Be responsible for implementing following tasks:
a) Tasks specified under Point 3.1 (tasks assigned under Annex I and Annex II).
b) Act as consultant for Governor of the State Bank of Vietnam:
- In assessing implementation results of the Action plan under Clause 2 Section III;
- Deal with difficulties that arise related to implementation of Action plan of entities in the banking sector;
- Request revision of objectives, tasks and solutions of the Strategy (if necessary).
c) Take charge in developing reports specified in the first line, Point 2.2, Clause 2, Section III.
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e) Take charge organizing conferences for intermediate assessment and final assessment of the Strategy specified under Point 2.3, Clause 2 of Section III.
3.4. With respect to Department of International Cooperation
Be responsible for implementing following tasks:
a) Tasks specified under Point 3.1 (tasks assigned under Annex I and Annex II).
b) Take charge in proposing and developing appropriate expenditure on operation of the National Steering Committee for financial inclusion and Standing Team which assists the Steering Committee.
c) Take charge in mobilizing and coordinating international resources to implement the Action plan.
d) Take charge and cooperate with relevant entities in sharing information on implementation of the Action plan to international partners and organization satisfactory to applicable regulations and law.
dd) Take charge and cooperate with relevant entities in developing financial inclusion websites.
3.5. With respect to Department of Finance and Accounting
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Mọi chi tiết xin liên hệ: ĐT:(028) 3930 3279DĐ:0906 22 99 66
a) Tasks specified under Point 3.1 (tasks assigned under Annex I and Annex II).
b) Act as consultant and assist the Governor in appraising state budget-sourced expenditure request and public investment capital for entities affiliated to SBV and providing financial guidelines for entities in the banking sector to implement tasks and solutions under the Action plan.
c) Cooperate with Department of International Cooperation in proposing appropriate expenditure on operation of the National Steering Committee for financial inclusion and Standing Team which assists the Steering Committee.
3.6. With respect to Department of Communications
Be responsible for implementing following tasks:
a) Tasks specified under Point 3.1 (tasks assigned under Annex I and Annex II).
b) Take charge in implementing communication affairs for details under Clause 1, Section III and conferences for intermediate and final assessment of the Strategy under Point 2.3, Clause 2, Section III.
4.1. Contents and makers of reports
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Mọi chi tiết xin liên hệ: ĐT:(028) 3930 3279DĐ:0906 22 99 66
- Central Banking Inspection and Supervision Authority: Report according to Annex IV attached to Action plan;
- Payment Department: Report according to Annex V attached to Action plan;
- Credit Department of Economic Sectors: Report according to Annex VI attached to Action plan;
- SBV branches of provinces and central-affiliated cities: Report according to Annex VII attached to Action plan;
- Financial institutions, cooperative banks, Vietnam Bank for Social Policy, branches of foreign banks, non-bank credit institutions (financial companies, financial lease companies): Report according to Annex VIII attached to the Action plan,
- People's credit funds: Report according to Annex IX attached to Action plan;
- Microfinance institutions: Report according to Annex X attached to Action plan;
- Intermediary payment service providers: Report according to Annex XI attached to Action plan.
4.2. Report deadline
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Mọi chi tiết xin liên hệ: ĐT:(028) 3930 3279DĐ:0906 22 99 66
+ With respect to annual term essays: no later than January 31 of the following year. With respect to Central Banking Inspection and Supervision Authority, Payment Department, Credit Department of Economic Sectors and SBV branches of provinces and central-affiliated cities, no later than February 20 of the following year.
+ Term essays for 2025 and 2030 are not required
- Intermediate reports for 2020-2025: no later than September 10, 2025. With respect to Central Banking Inspection and Supervision Authority, Payment Department, Credit Department of Economic Sectors and SBV branches of provinces and central-affiliated cities: no later than September 30, 2025;
- Final reports for implementation results of the Strategy: no later than September 10, 2030. With respect to Central Banking Inspection and Supervision Authority, Payment Department, Credit Department of Economic Sectors and SBV branches of provinces and central-affiliated cities: no later than September 30, 2030;
4.3. Conclusion date of the report figures
- With respect to annual term essays: until December 31 of the reporting year;
- With respect to intermediate reports for 2020-2025: until June 30, 2025;
- + With respect to final reports on implementation results of the Strategy: until June 30, 2030.
4.4. Report recipients
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Mọi chi tiết xin liên hệ: ĐT:(028) 3930 3279DĐ:0906 22 99 66
4.5. Report submission and receipt methods:
Reports shall be displayed physical form and submitted: via document management and administration system, in person, via postal service; (in .doc/.docx and .xls/.xlsx format) to email of the receiving agency ([email protected]).
4.6. Report revision
In case statistics or contents in reports must be revised, report producers are responsible for submitting revised reports together with written explanation for the revision./.
ASSESSMENT AND SUPERVISION CRITERIA FOR FINANCIAL INCLUSION STRATEGY UNTIL 2025 WITH ORIENTATION TO 2030
(Attached to Decision No. 1309/QD-NHNN dated July 24, 2020 of Governor of the State Bank of Vietnam)
SCHEDULE 1. FINANCIAL INCLUSION CRITERIA FOR THE SUPPLY SIDE
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Mọi chi tiết xin liên hệ: ĐT:(028) 3930 3279DĐ:0906 22 99 66
Grouping
Entities providing figures1
Final date for determination
Unit
1.
Average number of agencies2 of credit institutions per 100,000 adults3
- Each credit institution4
- Provincial administrative divisions
Central Banking Inspection and Supervision Authority
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Mọi chi tiết xin liên hệ: ĐT:(028) 3930 3279DĐ:0906 22 99 66
Branch/agency
2.
Average number of agencies of credit institutions per 1000 km2
- Each credit institution
- Provincial administrative divisions
Central Banking Inspection and Supervision Authority
Until December 31 each year
Branch/agency
3.
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Mọi chi tiết xin liên hệ: ĐT:(028) 3930 3279DĐ:0906 22 99 66
- Each credit institution
- Provincial administrative divisions
Payment Department
Until December 31 each year
Machine
4.
Average number of ATM per 1000 km2
- Each credit institution
- Provincial administrative divisions
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Mọi chi tiết xin liên hệ: ĐT:(028) 3930 3279DĐ:0906 22 99 66
Until December 31 each year
Machine
5.
Average number of POS per 100,000 adults
- Each credit institution
- Provincial administrative divisions
Payment Department
Until December 31 each year
Machine
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Mọi chi tiết xin liên hệ: ĐT:(028) 3930 3279DĐ:0906 22 99 66
Average number of POS per 1000 km2
- Each credit institution
- Provincial administrative divisions
Payment Department
Until December 31 each year
Machine
7.
Average number of bank agencies per 100,000 adults
- Each credit institution
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Mọi chi tiết xin liên hệ: ĐT:(028) 3930 3279DĐ:0906 22 99 66
Payment Department5
Until December 31 each year
Agency
8.
Average number of bank agencies per 1000 km2
- Each credit institution
- Provincial administrative divisions
Payment Department
Until December 31 each year
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Mọi chi tiết xin liên hệ: ĐT:(028) 3930 3279DĐ:0906 22 99 66
9.
Average number of mobile money agencies6 per 100,000 adults
- Each intermediary payment service provider
- Provincial administrative divisions
Payment Department
Until December 31 each year
Agency
10.
Average number of mobile money agencies per 1000 km2
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Mọi chi tiết xin liên hệ: ĐT:(028) 3930 3279DĐ:0906 22 99 66
- Provincial administrative divisions
Payment Department
Until December 31 each year
Agency
11.
Percentage of communes/towns where financial service providers are situated (excluding Vietnam Bank for Social Policy) over total number of communes/towns in the country
- Provincial administrative divisions
Branches of SBV in provinces and cities
Until December 31 each year
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Mọi chi tiết xin liên hệ: ĐT:(028) 3930 3279DĐ:0906 22 99 66
12.
Average number of personal checking accounts in credit institutions per 100,000 adults
- In the country
Payment Department
Until December 31 each year
Account
13.
Percentage of adults owning checking accounts in credit institutions
- In the country
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Mọi chi tiết xin liên hệ: ĐT:(028) 3930 3279DĐ:0906 22 99 66
Until December 31 each year
%
14.
Average number of debit cards in circulation per 100,000 adults
- Each credit institution
Payment Department
Until December 31 each year
Card
15.
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Mọi chi tiết xin liên hệ: ĐT:(028) 3930 3279DĐ:0906 22 99 66
- Each credit institution
Payment Department
Until December 31 each year
Card
16.
Average number of e-wallets per 100,000 adults
- Each intermediary payment service provider
- Issued, activated and active
Payment Department
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Mọi chi tiết xin liên hệ: ĐT:(028) 3930 3279DĐ:0906 22 99 66
E-wallet
17.
Average non-cash payments per 100,000 adults
- Each credit institution
- Payment devices
- Payment channels
Payment Department
Until December 31 each year
Payment
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Mọi chi tiết xin liên hệ: ĐT:(028) 3930 3279DĐ:0906 22 99 66
Percentage of adults depositing saving8 in credit institutions
- In the country
Institute of Banking Strategy
Until December 31 each year
%
19.
Percentages of adults having outstanding credit debt in credit institutions over the past 12 months
- Each credit institution
- Provincial administrative divisions
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Mọi chi tiết xin liên hệ: ĐT:(028) 3930 3279DĐ:0906 22 99 66
Until December 31 each year
%
20.
Number of small and medium enterprises having outstanding credit debt in credit institutions over the past 12 months
- Each credit institution
- Provincial administrative divisions
National Credit Information Center of Vietnam
Until December 31 each year
Enterprise
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Mọi chi tiết xin liên hệ: ĐT:(028) 3930 3279DĐ:0906 22 99 66
Total credit outstanding debt of small and medium enterprises in credit institutions
- Each credit institution
- Provincial administrative divisions
National Credit Information Center of Vietnam
Until December 31 each year
VND million
22.
Percentage of small and medium enterprises having collateral for the latest loan
- Each credit institution
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Mọi chi tiết xin liên hệ: ĐT:(028) 3930 3279DĐ:0906 22 99 66
National Credit Information Center of Vietnam
Until December 31 each year
%
23.
Percentage of outstanding credit loan for agricultural and rural development over total outstanding credit loan for the economy
In the country
Credit Departments of Economic Sectors
Until December 31 each year
%
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Mọi chi tiết xin liên hệ: ĐT:(028) 3930 3279DĐ:0906 22 99 66
Percentage of adults having credit history in credit information systems
- Province/City
- Gender9
National Credit Information Center of Vietnam
Until December 31 each year
%
25.
Percentage of processed complaints regarding personal finance
- Each credit institution
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Mọi chi tiết xin liên hệ: ĐT:(028) 3930 3279DĐ:0906 22 99 66
Until December 31 each year
%
26.
Percentage of processed complaints regarding finance of small and medium enterprises
- Each credit institution
- Each form of service: payment, credit, term deposits
Central Banking Inspection and Supervision Authority
Until December 31 each year
%
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Mọi chi tiết xin liên hệ: ĐT:(028) 3930 3279DĐ:0906 22 99 66
1 With respect to criteria containing denominators of “100,000 adults/adults” (including criteria No. 1, 3, 5, 7, 9, 12, 13, 14, 15, 16, 17, 18, 19, 24), “1000 km2” (including criteria No. 2, 4, 6, 8, 10) and “number of communes/towns in the country” (criteria No. 11)
- Central Banking Inspection and Supervision Authority, Payment Department and National Credit Information Center of Vietnam are responsible for providing the numerators together with detail schedules in xls or xlsx format.
- Department of Statistics and Forecasting is responsible for collecting figures of “adults” and “number of communes/wards/towns in the country” of the denominators from the General Statistics Office of Vietnam
- Department of Banking Strategy is responsible for calculating the criteria
2 List number of branches, agencies (including post agencies), excluding transaction locations, kiosks, saving and loan departments
3 Adults refer to Vietnamese nationals of at least 15 years depending on figures publicized by General Statistics Office of Vietnam from time to time
4 Form of credit institutions includes financial institutions, branches of foreign banks, cooperative banks, social policy banks, non-bank credit institutions, people's credit funds and microfinance institutions
5 Payment Department shall list payment agencies once decisions on payment agencies are issued
6 Mobile money agencies shall be listed once decisions on mobile money agencies are issued
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Mọi chi tiết xin liên hệ: ĐT:(028) 3930 3279DĐ:0906 22 99 66
8 Persons depositing saving refer to personal customers depositing any saving/term deposits in credit institutions.
9 Report based on “Gender” category upon completing database of the National Credit Information Center of Vietnam.
SCHEDULE 2. FINANCIAL INCLUSION CRITERIA FOR THE DEMAND SIDE (Collected from demand-side financial inclusion investigation conducted by Department of Statistics and Forecasting once every 5 years)
No.
Criteria
Grouping
Unit
1.
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- Gender
- Age
- Income
- Education level
- Urban/rural area
%
2a.
Percentage of adults having travel time to the nearest service providers of financial institutions1 less than 15 minutes over total number of adults
- Urban/rural area
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Mọi chi tiết xin liên hệ: ĐT:(028) 3930 3279DĐ:0906 22 99 66
2b.
Percentage of adults having travel time to the nearest service providers of financial banks less than 15 minutes over total number of adults
- Urban/rural area
%
3.
Percentage of adults having accounts (including saving deposits accounts and checking accounts) in financial institutions over total number of adults
- Gender
- Age
- Income
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Mọi chi tiết xin liên hệ: ĐT:(028) 3930 3279DĐ:0906 22 99 66
- Urban/rural area
%
4.
Percentage of adults having accounts (including saving deposits accounts and checking accounts) in financial banks over total number of adults
- Gender
- Age
- Income
- Education level
- Urban/rural area
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Mọi chi tiết xin liên hệ: ĐT:(028) 3930 3279DĐ:0906 22 99 66
5.
Percentage of adults having e-wallets in intermediary payment service providers over total number of adults
- Gender
- Age
- Income
- Education level
- Urban/rural area
%
6.
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Mọi chi tiết xin liên hệ: ĐT:(028) 3930 3279DĐ:0906 22 99 66
- Gender
- Age
- Income
- Education level
- Urban/rural area
%
7
Percentage of adults withdrawing cash from their accounts (checking accounts) via ATM in the last 12 months over total number of adults having accounts
- Gender
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Mọi chi tiết xin liên hệ: ĐT:(028) 3930 3279DĐ:0906 22 99 66
- Income
- Education level
- Urban/rural area
%
8a.
Percentage of adults receiving domestically transferred money via their accounts (checking accounts) in a financial institution in the last 12 months over total number of adults
- Gender
- Age
- Income
...
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Mọi chi tiết xin liên hệ: ĐT:(028) 3930 3279DĐ:0906 22 99 66
- Urban/rural area
%
8b.
Percentage of adults receiving domestically transferred money via their accounts (checking accounts) in a financial institution in the last 12 months over total number of adults receiving domestically transferred money over the past 12 months
- Gender
- Age
- Income
- Education level
- Urban/rural area
...
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Mọi chi tiết xin liên hệ: ĐT:(028) 3930 3279DĐ:0906 22 99 66
9a.
Percentage of adults transferring money domestically via their accounts (checking accounts) in a financial institution in the last 12 months over total number of adults
- Gender
- Age
- Income
- Education level
- Urban/rural area
%
...
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...
Mọi chi tiết xin liên hệ: ĐT:(028) 3930 3279DĐ:0906 22 99 66
Percentage of adults domestically transferring money via their accounts (checking accounts) in a financial institution in the last 12 months over total number of adults domestically transferring money over the past 12 months
- Gender
- Age
- Income
- Education level
- Urban/rural area
%
10a.
Percentage of adults receiving salaries or wages via their accounts (checking accounts) in a financial institution in the last 12 months over total number of adults
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Mọi chi tiết xin liên hệ: ĐT:(028) 3930 3279DĐ:0906 22 99 66
- Age
- Income
- Education level
- Urban/rural area
%
10b.
Percentage of adults receiving salaries or wages via accounts (checking accounts) of a financial institution in the last 12 months over total number of adults
- Gender
- Age
...
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Mọi chi tiết xin liên hệ: ĐT:(028) 3930 3279DĐ:0906 22 99 66
- Education level
- Urban/rural area
%
11a.
Percentage of adults receiving benefits from the Governments via accounts (checking accounts) of a financial institution in the last 12 months over total number of adults
- Gender
- Age
- Income
- Education level
...
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Mọi chi tiết xin liên hệ: ĐT:(028) 3930 3279DĐ:0906 22 99 66
%
11b.
Percentage of adults receiving benefits from the Governments via accounts (checking accounts) of a financial institution in the last 12 months over total number of adults receiving benefits from the Governments via accounts
- Gender
- Age
- Income
- Education level
- Urban/rural area
%
...
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Mọi chi tiết xin liên hệ: ĐT:(028) 3930 3279DĐ:0906 22 99 66
Percentage of adults using accounts (checking accounts) of a financial institution to pay for utility bills in the last 12 months over total number of adults
- Gender
- Age
- Income
- Education level
- Urban/rural area
%
12b.
Percentage of adults using accounts (checking accounts) of a financial institution to pay for utility bills in the last 12 months over total number of adults paying for utility bills
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Mọi chi tiết xin liên hệ: ĐT:(028) 3930 3279DĐ:0906 22 99 66
- Age
- Income
- Education level
- Urban/rural area
%
13a.
Percentage of adults using accounts (checking accounts) of a financial institution to pay for tuition fees in the last 12 months over total number of adults
- Gender
- Age
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Mọi chi tiết xin liên hệ: ĐT:(028) 3930 3279DĐ:0906 22 99 66
- Education level
- Urban/rural area
%
13b.
Percentage of adults using accounts (checking accounts) of a financial institution to pay for tuition fees in the last 12 months over total number of adults paying for tuition fees
- Gender
- Age
- Income
- Education level
...
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Mọi chi tiết xin liên hệ: ĐT:(028) 3930 3279DĐ:0906 22 99 66
%
14a
Percentage of adults using accounts (checking accounts) of a financial institution to pay for online shopping invoices in the last 12 months over total number of adults
- Gender
- Age
- Income
- Education level
- Urban/rural area
%
...
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Mọi chi tiết xin liên hệ: ĐT:(028) 3930 3279DĐ:0906 22 99 66
Percentage of adults using accounts (checking accounts) of a financial institution to pay for online shopping invoices in the last 12 months over total number of adults paying for online shopping invoices
- Gender
- Age
- Income
- Education level
- Urban/rural area
%
15a.
Percentage of adults receiving revenues of agricultural product sale via accounts (checking accounts) in financial institutions in the last 12 months over total number of adults
...
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Mọi chi tiết xin liên hệ: ĐT:(028) 3930 3279DĐ:0906 22 99 66
- Age
- Income
- Education level
- Urban/rural area
%
15b.
Percentage of adults receiving revenues of agricultural product sale via accounts (checking accounts) in financial institutions in the last 12 months over total number of adults receiving revenues of agricultural product sale
- Gender
- Age
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Mọi chi tiết xin liên hệ: ĐT:(028) 3930 3279DĐ:0906 22 99 66
- Education level
- Urban/rural area
%
16.
Percentage of adults having saving account in the last 12 months over total number of adults
- Gender
- Age
- Income
- Education level
...
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Mọi chi tiết xin liên hệ: ĐT:(028) 3930 3279DĐ:0906 22 99 66
%
17
Percentage of adults having savings for investment or business expansion in the last 12 months over total number of adults
- Gender
- Age
- Income
- Education level
- Urban/rural area
%
...
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Mọi chi tiết xin liên hệ: ĐT:(028) 3930 3279DĐ:0906 22 99 66
Percentage of adults having savings for old age in the last 12 months over total number of adults
- Gender
- Age
- Income
- Education level
- Urban/rural area
%
19
Percentage of adults having savings for (their or their relatives’) education purposes in the last 12 months over total number of adults
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Mọi chi tiết xin liên hệ: ĐT:(028) 3930 3279DĐ:0906 22 99 66
- Age
- Income
- Education level
- Urban/rural area
%
20.
Percentage of adults depositing savings in financial institutions in the last 12 months over total number of adults
- Gender
- Age
...
...
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Mọi chi tiết xin liên hệ: ĐT:(028) 3930 3279DĐ:0906 22 99 66
- Education level
- Urban/rural area
%
21.
Percentage of adults depositing savings via unofficial saving methods in the last 12 months over total number of adults
- Gender
- Age
- Income
- Education level
...
...
...
Mọi chi tiết xin liên hệ: ĐT:(028) 3930 3279DĐ:0906 22 99 66
%
22.
Percentage of adults having loans of at least VND 1 million in the last 12 months over total number of adults
- Gender
- Age
- Income
- Education level
- Urban/rural area
%
...
...
...
Mọi chi tiết xin liên hệ: ĐT:(028) 3930 3279DĐ:0906 22 99 66
Percentage of adults having loans of at least VND 1 million in credit institutions in the last 12 months over total number of adults
- Gender
- Age
- Income
- Education level
- Urban/rural area
%
24
Percentage of adults having loans of at least VND 1 million from private/unofficial creditors in the last 12 months over total number of adults
...
...
...
Mọi chi tiết xin liên hệ: ĐT:(028) 3930 3279DĐ:0906 22 99 66
- Age
- Income
- Education level
- Urban/rural area
%
25.
Percentage of adults having loans of at least VND 1 million in the last 12 months for purchase of buildings or immovable properties
- Gender
- Age
...
...
...
Mọi chi tiết xin liên hệ: ĐT:(028) 3930 3279DĐ:0906 22 99 66
- Education level
- Urban/rural area
%
26.
Percentage of adults having loans of at least VND 1 million in the last 12 months for purchase of pets, plants/fertilizers/agricultural production tools over total number of adults
- Gender
- Age
- Income
- Education level
...
...
...
Mọi chi tiết xin liên hệ: ĐT:(028) 3930 3279DĐ:0906 22 99 66
%
27a.
Percentage of adults having loans of at least VND 1 million in the last 12 months for tuition fees over total number of adults
- Gender
- Age
- Income
- Education level
- Urban/rural area
%
...
...
...
Mọi chi tiết xin liên hệ: ĐT:(028) 3930 3279DĐ:0906 22 99 66
Percentage of adults having loans of at least VND 1 million in the last 12 months for medical examination and treatment over total number of adults
- Gender
- Age
- Income
- Education level
- Urban/rural area
%
28.
Percentage of adults having overdue loans over total number of adults having loans
...
...
...
Mọi chi tiết xin liên hệ: ĐT:(028) 3930 3279DĐ:0906 22 99 66
- Age
- Income
- Education level
- Urban/rural area
%
29.
Percentage of adults having credit cards over total number of adults
- Gender
- Age
...
...
...
Mọi chi tiết xin liên hệ: ĐT:(028) 3930 3279DĐ:0906 22 99 66
- Education level
- Urban/rural area
%
30.
Percentage of adults using credit cards in the last 12 month over total number of adults
- Gender
- Age
- Income
- Education level
...
...
...
Mọi chi tiết xin liên hệ: ĐT:(028) 3930 3279DĐ:0906 22 99 66
%
31
Percentage of adults using insurance products over total number of adults
- Gender
- Age
- Income
- Education level
- Urban/rural area
%
...
...
...
Mọi chi tiết xin liên hệ: ĐT:(028) 3930 3279DĐ:0906 22 99 66
Percentage of adults using life insurance products over total number of adults using insurance products
- Gender
- Age
- Income
- Education level
- Urban/rural area
%
33.
Percentage of adults using non-life insurance products over total number of adults using insurance products
...
...
...
Mọi chi tiết xin liên hệ: ĐT:(028) 3930 3279DĐ:0906 22 99 66
- Age
- Income
- Education level
- Urban/rural area
%
34.
Percentage of adults using agricultural insurance products over total number of adults using insurance products
- Gender
- Age
...
...
...
Mọi chi tiết xin liên hệ: ĐT:(028) 3930 3279DĐ:0906 22 99 66
- Education level
- Urban/rural area
%
35.
Percentage of adults knowing about financial products and services of financial institutions licensed for operations
- Gender
- Age
- Income
- Education level
...
...
...
Mọi chi tiết xin liên hệ: ĐT:(028) 3930 3279DĐ:0906 22 99 66
%
36
Percentage of adults trusting financial institutions licensed for operations to deposit money or use financial products and services
- Gender
- Age
- Income
- Education level
- Urban/rural area
%
...
...
...
Mọi chi tiết xin liên hệ: ĐT:(028) 3930 3279DĐ:0906 22 99 66
Percentage of adults learning about finance in secondary schools, junior colleges, higher education institutions or vocational education facilities
- Gender
- Age
- Income
- Education level
- Urban/rural area
%
Note:
1 Financial institutions refer to institutions licensed for providing financial products and services
...
...
...
Mọi chi tiết xin liên hệ: ĐT:(028) 3930 3279DĐ:0906 22 99 66
RESPONSIBILITIES FOR IMPLEMENTING ACTION PLANS FOR IMPLEMENTATION OF NATIONAL FINANCIAL INCLUSION STRATEGY UNTIL 2025 WITH ORIENTATION TO 2030
(Attached to Decision No. 1309/QD-NHNN dated July 24, 2020 of Governor of the State Bank of Vietnam)
No.
Specific tasks/solutions
Presiding entity
Cooperating entity
Results
Completion deadline
...
...
...
Mọi chi tiết xin liên hệ: ĐT:(028) 3930 3279DĐ:0906 22 99 66
Conduct research and issue regulations on banking agencies which allow banks to assign non-bank entities to act as agencies to provide certain banking products and services of the banks for commissions
Payment Department
Central Banking Inspection and Supervision Authority, Department of Legal Affairs, Financial Policy Department, Department of Foreign Exchange Management, Department of Information Technology, Banking Associations and other relevant entities
Policies and guiding documents related to payment agencies
2020-2021
1.2
Conduct research and issue regulations on transaction accounts for different levels with reasonable policies to facilitate and encourage citizens to open accounts for non-cash payments
Payment Department
Department of Legal Affairs, Central Banking Inspection and Supervision Authority, Department of Information Technology, Banking Associations and other relevant entities
...
...
...
Mọi chi tiết xin liên hệ: ĐT:(028) 3930 3279DĐ:0906 22 99 66
2020-2025
1.3
Review, amend or issue new legislative documents on customer recognition and customer record verification on different levels based on risk level and nature of each type of product, service and customer group; permit application of Electronic Know Your Customer (e-KYC) procedures in opening accounts in organizations licensed for serving small payments of individuals and enterprises
Central Banking Inspection and Supervision Authority (Anti-money laundering Agency)
Payment Department, Department of Legal Affairs, Banking Associations and other relevant entities
- Documents guiding Decree No. 116/2013/ND-CP dated October 4, 2013 of the Government on elaborating to Law on Anti-money Laundering (with amendments thereto under Decree No. 87/2019/ND-CP)
- Relevant policies and guiding documents
2020-2021
1.4
...
...
...
Mọi chi tiết xin liên hệ: ĐT:(028) 3930 3279DĐ:0906 22 99 66
Payment Department
Department of Legal Affairs, the Financial policy department, Department of Information Technology and other relevant entities
Results of reviewing, amending and issuing new relevant policies
2020-2021
1.5
Review, amend or issue new legislative documents on provision of financial products and services, especially products and services that are based on digital technology to establish a stable, adequate and timely legal framework for financial service and product providers
Agencies and authorities developing policies relating to provision of products and services: Financial policy department, Department of Foreign Exchange Management, Central Banking Inspection and Supervision Authority, Credit Department of Economic Sectors, Payment Department, Department Information and Technology, Department of Issuance and Treasury
Department of Legal Affairs, SBV branches in provinces and cities, Deposit Insurance of Vietnam, Banking Associations, credit institutions, branches of foreign banks and other relevant entities
Results of reviewing, amending and issuing new relevant policies
...
...
...
Mọi chi tiết xin liên hệ: ĐT:(028) 3930 3279DĐ:0906 22 99 66
1.6
Review, amend or issue new legislative documents to facilitate mobilization of social resources and encourage participation of economic sectors in microfinancial activities; construct and develop systems of microfinancial organizations, programs, and projects with safe and effective operation, expand access to financial services for the poor, people with low income and very small enterprises
Central Banking Inspection and Supervision Authority
Department of Legal Affairs, Financial Policy Department, Credit Department of Economic Sectors, Payment Department, Banking Associations, microfinance institutions and other relevant entities
Results of reviewing, amending and issuing new relevant policies
2020-2025
1.7
Review, amend or issue new legislative documents on inspection and supervision to ensure safe, effective and legally compliant implementation of financial inclusion
Central Banking Inspection and Supervision Authority
...
...
...
Mọi chi tiết xin liên hệ: ĐT:(028) 3930 3279DĐ:0906 22 99 66
Results of reviewing, amending and issuing new relevant policies
2020-2025
1.8
Conduct research and issue controlled experiment management mechanisms for financial technology in banking sector
Payment Department
Department of Legal Affairs, Financial Policy Department, Credit Department of Economic Sectors, Department of Information and Technology, Banking Associations and other relevant entities
- Controlled experiment management mechanisms for Fintech in banking sector (Regulatory sandbox)
- Relevant policies and guiding documents
2020-2025
...
...
...
Mọi chi tiết xin liên hệ: ĐT:(028) 3930 3279DĐ:0906 22 99 66
Conduct research to identify risks related to financial inclusion
Monetary and Financial Stabilization Department
Financial Policy Department, Department of Foreign Exchange Management, Central Banking Inspection and Supervision Authority, Credit Department of Economic Sectors, Payment Department, Department of Statistics and Forecasting, Institute of Banking Strategy, Department Information and Technology, Department of Issuance and Treasury and other relevant entities
Reports and research regarding risks to financial inclusion
2020-2025
2.đ.4
Encourage microfinancial organizations, programs and projects to participate in promoting financial education
Microfinance institutions
...
...
...
Mọi chi tiết xin liên hệ: ĐT:(028) 3930 3279DĐ:0906 22 99 66
Development strategies/schemes/ projects/programs/plans of microfinance institutions and implementation
2020-2025
2a.
Aim towards development of banking agencies to expand the range in which banking services are provided to people in areas without adequate banking services
2a.1
Conduct research and gradually implement banking agencies; banks that are eligible as per the law to initiate service providers in form of agencies in areas where density of branches and agencies of the credit institutions remains low
- Policies: Payment Department
- Implementation: eligible commercial banks
Central Banking Inspection and Supervision Authority, Department of Legal Affairs, Financial Policy Department, Credit Department of Economic Sectors Department of Foreign Exchange Management, Department of Issuance and Treasury, Department of Information and Technology, Banking Associations, SBV branches of provinces and cities and other relevant entities
...
...
...
Mọi chi tiết xin liên hệ: ĐT:(028) 3930 3279DĐ:0906 22 99 66
- Payment agencies of commercial banks
2021-2025
2a.2
Conduct research and enable non-bank organizations which cover extensively or in rural areas (namely people's credit funds, microfinance institutions, post offices, petrol filling stations, telecommunication organization networks, and networks of non-bank organizations, etc.) to become banking agencies to expand financial service providers
- Policies: Payment Department
- Implementation: eligible commercial banks
Central Banking Inspection and Supervision Authority, Department of Legal Affairs, Financial Policy Department, Credit Department of Economic Sectors, Department of Foreign Exchange Management, Department of Issuance and Treasury, Department of Information Technology, Banking Associations, SBV branches in provinces and cities and other relevant entities
- Policies and guiding documents related to payment agencies
- Payment agencies of commercial banks
...
...
...
Mọi chi tiết xin liên hệ: ĐT:(028) 3930 3279DĐ:0906 22 99 66
2b
Develop modern distribution channels based on digital technology to expand the range in which financial products and services for low costs, especially via mobile phones
2b.1
Promote payment completed via mobile devices, promote digital banking and financial products and service for peoples in rural areas
Credit institutions, branches of foreign banks, intermediary payment service providers
Financial Policy Department, Department of Foreign Exchange Management, Central Banking Inspection and Supervision Authority, Credit Department of Economic Sectors, Payment Department, Department Information and Technology and other relevant entities
- Relevant policies and guiding documents
- Development strategies/schemes/projects/programs/plans of each credit institution, foreign bank branch, intermediary payment service providers and implementation
2020-2025
...
...
...
Mọi chi tiết xin liên hệ: ĐT:(028) 3930 3279DĐ:0906 22 99 66
Encourage and enable financial technology organizations and telecommunication organizations to participate in financial product and service supply chain on the basis of healthy cooperation and competition with credit institutions
- Policies: Financial Policy Department, Payment Department
- Implementation: credit institutions, branches of foreign banks, intermediary payment service providers
Central Banking Inspection and Supervision Authority, Department of Legal Affairs, Credit Department of Economic Sectors, Department Information and Technology and other relevant entities
- Relevant policies and guiding documents
- Development strategies/schemes/projects/programs/plans of each credit institution, foreign bank branch and implementation
2020-2025
2b.3
Encourage credit institutions to cooperate with financial technology organizations and intermediary payment service providers in developing new payment technologies that are easy to use, low-cost, convenient, safe and suitable for personal payments
...
...
...
Mọi chi tiết xin liên hệ: ĐT:(028) 3930 3279DĐ:0906 22 99 66
- Implementation: credit institutions, branches of foreign banks, intermediary payment service providers
Department of Information Technology and other relevant entities
- Relevant policies and guiding documents
- Development strategies/schemes/projects/programs/plans of each credit institution, foreign bank branch, intermediary payment service providers and implementation
2020-2025
2c
Expand coverage of service providers of credit institutions in rural areas to enable people in rural areas to access financial products and services
2c.1
Encourage credit institutions to develop networks of branches and agencies in rural areas
...
...
...
Mọi chi tiết xin liên hệ: ĐT:(028) 3930 3279DĐ:0906 22 99 66
- Implementation: credit institutions, branches of foreign banks
SBV branches of provinces and cities
- Relevant policies and guiding documents
- Quantity increasing in branches and agencies in rural areas
2020-2025
2c.2
Continue to arrange and develop nationwide networks of ATM and POS reasonably to ensure effectiveness and meet market demands better; encourage banks and other organizations to invest and expand networks of ATM and POS to rural areas
Credit institutions, branches of foreign banks
Payment Department, Central Banking Inspection and Supervision Authority, Department of Information Technology and other relevant entities
...
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...
Mọi chi tiết xin liên hệ: ĐT:(028) 3930 3279DĐ:0906 22 99 66
- Development strategies/schemes/projects/programs/plans of each credit institution, foreign bank branch and implementation
2020-2025
2d
Effectively utilize public postal network to provide fundamental financial services
2đ
Develop systems of microfinancial organizations, programs and projects with safe and effective operation, expand access to financial services for poor people, people with poor income, women and very small enterprises
2d.1
Encourage development of fundamental financial services provided via public postal networks
Payment Department
...
...
...
Mọi chi tiết xin liên hệ: ĐT:(028) 3930 3279DĐ:0906 22 99 66
Relevant policies and guiding documents
2020-2022
2đ.1
Encourage microfinancial organizations, programs and projects to develop products and services for poor people, people with low income, women and very small enterprises
- Policies: Central Banking Inspection and Supervision Authority
- Implementation: microfinance institutions
Other related agencies
- Relevant policies and guiding documents
- Development strategies/schemes/ projects/programs/plans of microfinance institutions and implementation
...
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...
Mọi chi tiết xin liên hệ: ĐT:(028) 3930 3279DĐ:0906 22 99 66
2d.2
Enable public postal network to cooperate with financial service providers and financial technology organizations in developing low-cost financial services to serve people in rural areas
- Policies: Payment Department
- Implementation: credit institutions, branches of foreign banks
Financial Policy Department, Credit Department of Economic Sectors, Department of Finance and Accounting, Department of Foreign Exchange Management and other relevant entities
- Relevant policies and guiding documents
- Development strategies/schemes/projects/programs/plans of each credit institution, foreign bank branch and implementation
2021-2025
2đ.2
...
...
...
Mọi chi tiết xin liên hệ: ĐT:(028) 3930 3279DĐ:0906 22 99 66
- Policies: Central Banking Inspection and Supervision Authority
- Implementation: commercial banks, branches of foreign banks and microfinance institutions
Other related agencies
- Relevant policies and guiding documents
- Development strategies/schemes/projects/programs/plans of commercial banks, credit institutions, branches of foreign banks and microfinance institutions and implementation
2020-2025
2đ.3
Encourage cooperation between microfinancial organizations, programs and projects and financial technology organizations to enhance technology application to provide services simply, conveniently with low-cost for people in rural areas
Microfinance institutions
...
...
...
Mọi chi tiết xin liên hệ: ĐT:(028) 3930 3279DĐ:0906 22 99 66
Development strategies/schemes/ projects/programs/plans of microfinance institutions and implementation
2020-2025
2e
Enhance capacity of specific financial regulations with operation orientation conforming to objectives of financial inclusion, including: Bank of Agriculture and Rural Development, Vietnam Bank for Social Policy, Cooperative Bank People's credit funds and development strategies of Vietnam banking sector until 2025 and orientation to 2030 approved under Decision No. 986/QD-TTg dated August 8, 2018 of the Prime Minister
Bank of Agriculture and Rural Development, Vietnam Bank for Social Policy, Cooperative Bank and People’s Credit Funds
Central Banking Inspection and Supervision Authority, Payment Department, Credit Department of Economic Sectors, Financial Policy Department, Deposit Insurance of Vietnam, SBV branches of provinces and cities, people's credit funds and other relevant entities
Development strategies/schemes/projects/programs and plans of Bank of Agriculture and Rural Development, Vietnam Bank for Social Policy, Cooperative Bank and People’s Credit Funds and implementation
2020-2025
...
...
...
Mọi chi tiết xin liên hệ: ĐT:(028) 3930 3279DĐ:0906 22 99 66
3a
Promote non-cash payment in the economy, enable beneficiaries of financial inclusion to be able to access and utilize non-cash payment services
3a.1
Encourage banks to provide checking accounts that are not subject to maintenance fee and minimum balance, with limited capability, and capable of being integrated with ATM for pensioners, persons benefitting from social benefits, old people, poor people, students, learners and other disadvantaged individuals to use services such as money deposit, money withdrawal, small-value transfer, receipt of pension, social benefits and payment for utility bills
- Policies: Payment Department
- Implementation: commercial banks, branches of foreign banks, Vietnam Bank for Social Policy and cooperative banks
Department of Information and Technology, National Payment Corporation of Vietnam and other relevant entities
- Relevant policies and guiding documents
- Development strategies/schemes/projects/programs/action plans of commercial banks, credit institutions, branches of foreign banks, Vietnam Bank for Social Policy, cooperative banks and implementation
...
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...
Mọi chi tiết xin liên hệ: ĐT:(028) 3930 3279DĐ:0906 22 99 66
3a.2
Commercial banks, branches of foreign banks and intermediary payment service providers shall develop policies to encourage individuals, enterprises and other organizations to pay for periodic bills (electricity, water, telecommunication, tuition fees, hospital fees) by non-cash methods
Commercial banks, branches of foreign banks, intermediary payment service providers
Payment Department, Department of Information and Technology, National Payment Corporation of Vietnam and other relevant entities
Development strategies/schemes/projects/programs/action plans of each commercial bank, credit institution, foreign bank branch, intermediary payment service provider and implementation
2020-2025
3a.3
Commercial banks, branches of foreign banks and intermediary payment service providers shall develop policies to promote payment of pension and social insurance via non-cash methods of banking systems
Commercial banks, branches of foreign banks, intermediary payment service providers
...
...
...
Mọi chi tiết xin liên hệ: ĐT:(028) 3930 3279DĐ:0906 22 99 66
Development strategies/schemes/projects/programs/action plans of each commercial bank, credit institution, foreign bank branch, intermediary payment service provider and implementation
2020-2025
3a.4
Encourage credit institutions and other permitted organizations to develop payment and money transfer services that are easier to use and suitable for rural areas
- Policies: Payment Department
- Implementation: commercial banks, branches of foreign banks and other permitted institutions
Department of Information and Technology, National Payment Corporation of Vietnam and other relevant entities
- Relevant policies and guiding documents
- Development strategies/schemes/projects/programs/action plans of each commercial bank, credit institution, foreign bank branch, other permitted organizations and implementation
...
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...
Mọi chi tiết xin liên hệ: ĐT:(028) 3930 3279DĐ:0906 22 99 66
3a.5
Commercial banks, branches of foreign banks and intermediary payment service providers shall develop policies to encourage enterprises to pay salaries via accounts
Commercial banks, branches of foreign banks, intermediary payment service providers
Payment Department, Department of Information and Technology, National Payment Corporation of Vietnam and other relevant entities
Development strategies/schemes/projects/programs/plans of each commercial bank, credit institution, foreign bank branch, intermediary payment service provider and implementation
2020-2025
3b
Promote development of financial products and services serving agricultural production and rural areas
...
...
...
Mọi chi tiết xin liên hệ: ĐT:(028) 3930 3279DĐ:0906 22 99 66
Assist credit institutions to increase capacity of loans for agricultural product production and consumption via applying high technology and linking value chain in agricultural production
Credit Departments of Economic Sectors
Financial Policy Department, Central Banking Inspection and Supervision Authority, credit institutions, branches of foreign banks and other relevant entities
Results of reviewing and developing credit policies to serve agricultural and rural development to enable credit institutions to promote giving loans and consuming domestically produced agricultural products via applying high technology and linking value chain in agricultural production
2020-2025
3b.2
Develop domestic loans suitable for creditors with reasonable interest rates in order to prevent “black credit”
Financial companies, commercial banks, branches of foreign banks, microfinance institutions and people's credit funds
Central Banking Inspection and Supervision Authority, Financial Policy Department and other relevant entities
...
...
...
Mọi chi tiết xin liên hệ: ĐT:(028) 3930 3279DĐ:0906 22 99 66
2020-2025
3b.3
Improve capacity of credit institutions regarding managing risks, designing products and developing business to increase financial and human resources serving restructuring and converting agricultural areas, which prioritize diversifying income of individuals participating in agricultural production
Banking associations
Financial Policy Department, Central Banking Inspection and Supervision Authority, Credit Department of Economic Sector credit institutions, branches of foreign banks and other relevant entities
Regular tasks
2020-2025
3c
Promote development of financial products and services for small and medium enterprises, cooperatives, business households
...
...
...
Mọi chi tiết xin liên hệ: ĐT:(028) 3930 3279DĐ:0906 22 99 66
Develop methods of unsecured loans and secured loans by means of goods, land assets, movable properties and cash flow
Credit institutions, branches of foreign banks
Central Banking Inspection and Supervision Authority, Financial Policy Department, Credit Department of Economic Sectors and other relevant entities
Regular tasks
2020-2025
3c.2
Encourage credit institutions to expand provision of loans that do not required collateral with respect to loans suitable for operational characteristics of small and medium enterprises, cooperatives and business households
- Policies: Credit Department of Economic Sector
- Implementation: credit institutions, branches of foreign banks
...
...
...
Mọi chi tiết xin liên hệ: ĐT:(028) 3930 3279DĐ:0906 22 99 66
- Results of reviewing and completing credit policies suitable for characteristics of small and medium enterprises, cooperatives and business households
- Development strategies/schemes/projects/programs/action plans of each credit institution, foreign bank branch and implementation
2020-2025
3c.3
Encourage non-bank credit institutions, people's credit funds and microfinance institutions to provide products and services suitable for small and medium enterprises, cooperatives and business households
- Policies: Central Banking Inspection and Supervision Authority
- Implementation: credit companies, financial lease companies, people's credit funds and microfinance institutions
Financial Policy Department, Credit Department of Economic Sector, Payment Department, Department of Information and Technology, National Payment Corporation of Vietnam and other relevant entities
- Relevant policies and guiding documents
...
...
...
Mọi chi tiết xin liên hệ: ĐT:(028) 3930 3279DĐ:0906 22 99 66
2020-2025
4a
Complete financial infrastructures
4a.1
Promote construction and completion of automated clearing house (ACH) system to prematurely initiate and serve personal and enterprise payments at all given time (24/7)
National Payment Corporation of Vietnam
Payment Department, Department of Information Technology and other relevant entities
...
...
...
Mọi chi tiết xin liên hệ: ĐT:(028) 3930 3279DĐ:0906 22 99 66
2020-2021
4a.2
Conduct research and develop policies on financial switching and electronic clearing
Payment Department
Department of Information and Technology, National Payment Corporation of Vietnam, Department of Transaction and other relevant entities
Guidelines for organizing, operating and managing the financial switching systems and electronic clearing, and implementation
2020-2021
4a.3
Conduct research, issue technical standards to increase connection between credit institutions, between credit institutions and financial technology organizations and providers of other services to serve electronic transactions
...
...
...
Mọi chi tiết xin liên hệ: ĐT:(028) 3930 3279DĐ:0906 22 99 66
Payment Department, National Payment Corporation of Vietnam and other relevant entities
Regulations on standard connection between credit institutions, between credit institutions and financial technology organizations and providers of other services, and implementation
2020-2025
4a.4
Enhance security and safety in banking operations to create credibility among the general public and protect credit users
Credit institutions, branches of foreign banks, intermediary payment service providers
Payment Department, Department of Information and Technology, National Payment Corporation of Vietnam and other relevant entities
Regular tasks
2020-2025
...
...
...
Mọi chi tiết xin liên hệ: ĐT:(028) 3930 3279DĐ:0906 22 99 66
Develop national population database
4b.1
Develop policies on attaching citizen identification number to all personal accounts to serve management and verification of customer and beneficiary’s information when providing products and services
- Policies: Payment Department
- Implementation: credit institutions, branches of foreign banks, intermediary payment service providers
Department of Information and Technology, the National Credit Information Center of Vietnam, Department of Statistics and Forecasting and relevant entities
- Guidelines for attaching citizen identification number with checking accounts
- Development strategies/schemes/projects/programs/plans of each credit institution, foreign bank branch, intermediary payment service providers and implementation
2020-2025
...
...
...
Mọi chi tiết xin liên hệ: ĐT:(028) 3930 3279DĐ:0906 22 99 66
Enhance connection and sharing of information between agencies and organizations to promote administrative procedure reformation and e-government
Department of Information Technology
Department of Statistics and Forecasting, Payment Department, Financial Policy Department, Credit Department of Economic Sector, Central Banking Inspection and Supervision Authority, SBV Offices, National Payment Corporation of Vietnam, National Credit Information Center of Vietnam and other relevant entities
Infrastructures are ready for connection and sharing of information
2020-2025
4c
Develop national database on financial inclusion
4c.1
Develop statistical indicator for financial inclusion regarding level of accessibility, use and quality of financial quality
...
...
...
Mọi chi tiết xin liên hệ: ĐT:(028) 3930 3279DĐ:0906 22 99 66
Department of Statistics and Forecasting, Payment Department, Credit Department of Economic Sector, Central Banking Inspection and Supervision Authority, SBV branches of provinces and cities, National Credit Information Center of Vietnam and other relevant entities
Statistical indicator for financial inclusion
2020
4c.2
Develop national database on financial inclusion based on statistical indicator regarding level of accessibility, use and quality of financial quality
Department of Statistics and Forecasting
Institute of Banking Strategy, Payment Department, Credit Department of Economic Sector, Central Banking Inspection and Supervision Authority, Department of Information and Technology, National Credit Information Center of Vietnam, SBV branches of provinces and cities, credit institutions, branches of foreign banks, intermediary payment service providers and other entities
- Regulations on reporting regimes/requirements for statistical indicators for developing database on financial inclusion
- Database on financial inclusion
...
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...
Mọi chi tiết xin liên hệ: ĐT:(028) 3930 3279DĐ:0906 22 99 66
4c.3
Integrate basic financial inclusion indicators in surveys on living standards
Institute of Banking Strategy
Department of Statistics and Forecasting, Payment Department, Credit Department of Economic Sector, Central Banking Inspection and Supervision Authority and other relevant entities
Basic financial inclusion indicators agreed upon with the General Statistics Office of Vietnam and integrated in surveys on living standards
2020-2025
4c.4
Conduct sociology research regarding access to financial services of the general public
Department of Statistics and Forecasting
...
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...
Mọi chi tiết xin liên hệ: ĐT:(028) 3930 3279DĐ:0906 22 99 66
Reports on level of accessibility, use and quality of financial services of the general public
2024-2025
4d
Develop database on national credit information in an integrated, adequate and qualified manner on the basis of modern technology; integrate sufficient information from credit institutions in banking sector, gradually expand sources of information from outside of the sector; promptly provide a wide variety of products and services suitable for each model of credit institution
National Credit Information Center of Vietnam
Credit institutions, branches of foreign banks, intermediary payment service providers and other relevant entities
Unified, adequate and quality database on national credit information
2020-2025
5. Provide financial education, improve financial capacity and knowledge; protect financial users
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Mọi chi tiết xin liên hệ: ĐT:(028) 3930 3279DĐ:0906 22 99 66
Develop and implement general measures to increase financial management knowledge and capacity, improve understanding about financial products and services of the general public and enterprises, thereby increasing ability to use and assess benefits and risks of financial products and services provided by licensed organizations to enable the general public and enterprises to select products and services accordingly
5a.1
Develop and implement programs to provide information for the general public to inform them about benefits, costs, risks, effective use and management of financial products and services; publicize procedures for dealing with conflicts and complaints for all service users
Credit institutions, branches of foreign banks
Department of Communication, Institute of Banking Strategy, Department of International Cooperation, Banking Institute, Ho Chi Minh City University of Banking, Banking Association, Vietnam Association of People’s Credit Funds, SBV branches of provinces and cities and other relevant entities
- Financial education programs for the general public
- Relevant policies and guiding documents
2020-2025
5a.2
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Mọi chi tiết xin liên hệ: ĐT:(028) 3930 3279DĐ:0906 22 99 66
Department of Communication
Institute of Banking Strategy, Department of International Cooperation, National Credit Information Center of Vietnam, Banking Magazine, Banking Institute, Ho Chi Minh City University of Banking, Banking Association, Vietnam Association of People’s Credit Funds, SBV branches of provinces and cities, credit institutions, branches of foreign banks, intermediary payment service providers and other relevant entities
- Communication programs on mass media
- Relevant policies and guiding documents
2020-2025
5a.3
Develop website for financial inclusion to provide financial information and official information on financial inclusion
Department of International Cooperation
Department of Communications, Institute of Banking Strategy and other relevant agencies
...
...
...
Mọi chi tiết xin liên hệ: ĐT:(028) 3930 3279DĐ:0906 22 99 66
2020-2025
5a.4
Increase financial-related abilities, especially understanding about risk management tools, insurance, finance lease, etc. of agricultural producers
Banking Institute, Ho Chi Minh City University of Banking
Central Banking Inspection and Supervision Authority, Credit Department of Economic Sector, Department of International Cooperation, Banking Association, Vietnam Association of People’s Credit Funds, SBV branches of provinces and cities, credit institutions, branches of foreign banks and other relevant entities
Regular tasks
2020-2025
5b
Develop legal framework regarding protecting financial consumers
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Mọi chi tiết xin liên hệ: ĐT:(028) 3930 3279DĐ:0906 22 99 66
Conduct research and issue regulations on protecting financial consumers, which specify protection for financial consumers to unfair treatment of financial service providers; request information of financial service providers; transparentize access and conflict resolution of financial service providers towards financial consumers
Central Banking Inspection and Supervision Authority, Payment Department, Financial Policy Department, Department of Foreign Exchange Management, Department of Information and Technology
Department of Legal Affairs, Credit Department of Economic Sector, Deposit Insurance of Vietnam, Banking Association, Vietnam Association of People’s Credit Funds, SBV branches of provinces and cities, credit institutions, branches of foreign banks, intermediary payment service providers and other relevant entities
Relevant policies and guiding documents on protecting financial consumers
2020-2025
5b.2
Transparentize structure of costs and service costs for financial consumers
Credit institutions, branches of foreign banks, intermediary payment service providers
Central Banking Inspection and Supervision Authority, Department of Legal Affairs, Payment Department, Credit Department of Economic Sectors, Deposit Insurance of Vietnam, Banking Association, SBV branches of provinces and cities, people's credit funds and other relevant entities
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Mọi chi tiết xin liên hệ: ĐT:(028) 3930 3279DĐ:0906 22 99 66
2020-2025
5b.3
Promote responsible loaning of credit institutions, which prioritizes enhancing financial knowledge for debtors, especially rights to access, protect credit information and revise faulty information
- Regarding issuing legal framework on responsible debtors: Central Banking Inspection and Supervision Authority, Financial Policy Department, Credit Department of Economic Sectors
- Regarding inspection, supervision and complaint resolution: Central Banking Inspection and Supervision Authority
- Regarding enhancing financial knowledge for debtors: Department of Communication
- Regarding rights to access and protect credit information of customers: National Credit Information Center of Vietnam
- Implementation of responsible loaning: credit institutions, branches of foreign banks
Department of Legal Affairs, SBV branches of provinces and cities and other relevant entities
...
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Mọi chi tiết xin liên hệ: ĐT:(028) 3930 3279DĐ:0906 22 99 66
2020-2025
5c
Develop Deposit Insurance of Vietnam satisfactory to Development strategy of Vietnam banking sector in 2025 and orientation to 2030 approved under Decision 986/QD-TTg dated August 8, 2018 of Prime Minister
Deposit Insurance of Vietnam
Central Banking Inspection and Supervision Authority, Department of Personnel and Organisation, Department of Legal Affairs, Department of Finance and Accounting, Institute of Banking Strategy and relevant entities
Development strategy for deposit insurance of Vietnam and implementation
2020-2025
6a
Integrate financial inclusion objectives in providing loan capital of banking sector for development programs for new rural areas
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Mọi chi tiết xin liên hệ: ĐT:(028) 3930 3279DĐ:0906 22 99 66
Other related agencies
Regular tasks
2020-2025
6b
Develop and implement programs and plans for training personnel of government banking system, banking sector and other individuals upon being assigned by competent authorities regarding financial inclusion
Department of Personnel and Organisation, Banking official training centers
Institute of Banking Strategy, Banking Institute, Ho Chi Minh City University of Banking, Banking Association, SBV branches of provinces and cities, credit institutions, branches of foreign banks, intermediary payment service providers and other relevant entities
Training programs, plans and courses regarding banking finance
2020-2025
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Mọi chi tiết xin liên hệ: ĐT:(028) 3930 3279DĐ:0906 22 99 66
Promote cooperation regarding financial inclusion with countries and international organizations in promoting financial inclusion in Vietnam
Department of International Cooperation
Related entities
Promoting and expanding international cooperation regarding financial inclusion to implement action plans
2020-2025
6d
Publicize role and meaning of financial inclusion in regulatory agencies, local governments of all levels, socio-political organizations, financial service providers, the general public and enterprises
Department of Communication
Related entities
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Mọi chi tiết xin liên hệ: ĐT:(028) 3930 3279DĐ:0906 22 99 66
2020-2025
6đ
Promote restructuring credit institutions according to schemes and solutions approved by competent authorities
Credit institutions
Central Banking Inspection and Supervision Authority and other relevant entities
Regular tasks
2020-2025
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Mọi chi tiết xin liên hệ: ĐT:(028) 3930 3279DĐ:0906 22 99 66
REPORTS ON IMPLEMENTING ACTION PLANS FOR IMPLEMENTATION OF NATIONAL FINANCIAL INCLUSION STRATEGY UNTIL 2025 WITH ORIENTATION TO 2030
(Attached to Decision No. 1309/QD-NHNN dated July 24, 2020 of Governor of the State Bank of Vietnam)
- Entity 1:
- Contact point (Full name, phone, email):
- Reporting year/Reporting period (with respect to preliminary reports and final reports):
I. Implementation results of tasks assigned under the Action plan 2
(Requirement: reports must include comparison with implementation results of the previous reporting period)
No.
Task
Implementation results until the reporting date
...
...
...
Mọi chi tiết xin liên hệ: ĐT:(028) 3930 3279DĐ:0906 22 99 66
I
Tasks specified under Clause 3, Section III of the Action plan (if any)
II
Tasks specified under Annex I of the Action plan
III
...
...
...
Mọi chi tiết xin liên hệ: ĐT:(028) 3930 3279DĐ:0906 22 99 66
II. Difficulties in implementation
(Specify all difficulties in task implementation)
III. Cooperation in task implementation
(Specify state of cooperation with other entities during implementation)
IV. Propositions and recommendations
- Propose rectifying measures for difficulties specified under Section II and III above (if any);
- Propose revision to the Action plan (if any);
...
...
...
Mọi chi tiết xin liên hệ: ĐT:(028) 3930 3279DĐ:0906 22 99 66
Recipient:
- Institute of Banking Strategy, State Bank of Vietnam
(Location and date)
(Report signer)
___________________
Note:
1 Applicable entities: agencies and departments affiliated to SBV (except for Central Banking Inspection and Supervision Authority, Payment Department, Credit Department of Economic Sectors), Deposit Insurance of Vietnam, the National Credit Information Center of Vietnam, National Payment Corporation of Vietnam, Banking Institute, Ho Chi Minh City University of Banking and Banking Association.
2 Entities shall only report on tasks that they take charge according to Clause 3 Section III of the Action plan, Annex I and Annex II.
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...
...
Mọi chi tiết xin liên hệ: ĐT:(028) 3930 3279DĐ:0906 22 99 66
- Entity1:
- Reporting year/Reporting period (with respect to preliminary reports and final reports):
- Contact point (Full name, phone, email):
I. Implementation results of tasks assigned under the Action plan động2
(Requirement: reports must include comparison with implementation results of the previous reporting period)
No.
Task
Implementation results until the reporting date
Ability to complete as expected (Applicable to tasks that require date of completion)
...
...
...
Mọi chi tiết xin liên hệ: ĐT:(028) 3930 3279DĐ:0906 22 99 66
Tasks specified under Annex I of the Action plan
II
Tasks specified under Annex II of the Action plan
II. Based on management, inspection, supervision results and consolidated reports of SBV branches of provinces and cities, credit institutions and branches of foreign banks shall assess implementation of credit institution system regarding following categories:
1. Expand coverage of branches and agencies of commercial banks, non-bank credit institutions (excluding Vietnam Bank for Social Policy) to improve accessibility and use of banking services in rural areas3 and remote areas4
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Mọi chi tiết xin liên hệ: ĐT:(028) 3930 3279DĐ:0906 22 99 66
a. Number of branches and agencies in the country; increase/decrease rate compared with the previous year;
b. Number of communes/towns with branches and agencies over total number of communes/towns nationwide (for rural areas);
c. Number of communes/wards/towns with branches and agencies over total number of communes/wards/towns nationwide;
d. Measures that have been and are being adopted to expand coverage of branches and agencies of commercial banks, non-bank credit institutions in rural areas and remote areas.
2. Expand access to financial services for poor people, people with low income, women and very small enterprises via systems of microfinance institutions and people's credit funds
2.1. Microfinance institutions, microfinance programs and projects
Assess expansion of access to financial services for poor people, people with low income, women and very small enterprises of microfinance institutions, microfinance programs and projects issued with registration certificates by the SBV via following criteria/categories.
a. Operation results of microfinance institutions (number of customers, total outstanding debt, total mobilized amount, bad debt/total outstanding debt);
b. Operation results of microfinance programs and projects issued with registration certificates by the SBV (number of microfinance programs and projects, total mobilized amount, total outstanding debt, overdue debts exceeding self-sustaining coefficient (revenue - cost));
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Mọi chi tiết xin liên hệ: ĐT:(028) 3930 3279DĐ:0906 22 99 66
d. Cooperation between microfinance institutions and financial technology organizations (if any).
2.2. People’s credit fund systems
Assess expansion of coverage of agencies in rural areas and remote areas of people's credit fund systems via following criteria/categories
a. Number of people's credit funds nationwide;
b. Number of agencies of people's credit funds nationwide;
c. Number of communes/towns with people’s credit funds/agencies of people’s credit funds over total number of communes/towns nationwide (for rural areas);
d. Number of communes/wards/towns with people’s credit funds/agencies of people’s credit funds over total number of communes/wards/towns nationwide (for rural areas);
dd. Number of communes/wards/towns where only people’s credit funds/agencies of people’s credit funds are available without any branch or agency of commercial banks, branches of foreign banks, cooperative banks, non-bank credit institutions, microfinance institutions (excluding Vietnam Bank for Social Policy) over total number of communes/wards/towns nationwide;
e. Operation results of people's credit fund system (total number of customers, total outstanding debt, total mobilized amount and total bad debts/total outstanding debts).
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Mọi chi tiết xin liên hệ: ĐT:(028) 3930 3279DĐ:0906 22 99 66
Assess development and provision of fundamental financial products and services (microfinance products and services, domestic loan products) aiming towards targets of financial inclusion via following criteria/categories
a. Types of flexible microfinance products and services suitable for poor people, people with low income, women and very small enterprises in rural areas and remote areas;
b. Domestic loan products suitable for applicants for domestic loans with reasonable interest rate.
4. Protecting financial consumers
Assess compliance with regulations on protecting financial consumers via following basic criteria:
a. Publicizing information;
b. Transparentising cost structure and service fees;
c. Transparentising approach and resolution to conflicts of financial service providers for financial consumers;
d. Dealing with financial conflicts, accusations and complaints;
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...
Mọi chi tiết xin liên hệ: ĐT:(028) 3930 3279DĐ:0906 22 99 66
III. Difficulties in implementation
(Specify all difficulties in task implementation)
IV. Cooperation in task implementation
(Specify state of cooperation with other entities during implementation)
V. Propositions and recommendations
- Propose rectifying measures for difficulties specified under Section III and IV above (if any);
- Propose revision to the Action plan (if any);
- Other relevant propositions and recommendations.
...
...
...
Mọi chi tiết xin liên hệ: ĐT:(028) 3930 3279DĐ:0906 22 99 66
(Location and date)
(Report signer)
___________________
Note:
1 Regulated entities: Central Banking Inspection and Supervision Authority.
2 Entities shall only report on tasks that they take charge according to Annex I and Annex II of the Action plan
3 Rural areas refer to administrative divisions of communes and towns, excluding wards in communes, districts and cities.
4 Remote areas refer to areas with scarce population density, located deeply in forest, mountainous regions, inundated areas, away from economic and cultural centers with inconvenient traffic, outdated or poorly developed economy (according to Decree No. 114/2017/ND-CP dated October 9, 2017).
5 With respect to Lien Viet Post Joint Stock Commercial Bank, include post agencies.
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Mọi chi tiết xin liên hệ: ĐT:(028) 3930 3279DĐ:0906 22 99 66
REPORTS ON IMPLEMENTING ACTION PLANS FOR IMPLEMENTATION OF NATIONAL FINANCIAL INCLUSION STRATEGY UNTIL 2025 WITH ORIENTATION TO 2030
(Attached to Decision No. 1309/QD-NHNN dated July 24, 2020 of Governor of the State Bank of Vietnam)
- Entity1:
- Reporting year/Reporting period (with respect to preliminary reports and final reports):
- Contact point (Full name, phone, email):
I. Implementation results of tasks assigned under the Action plan động2
(Requirement: reports must include comparison with implementation results of the previous reporting period)
No.
Task
Implementation results until the reporting date
...
...
...
Mọi chi tiết xin liên hệ: ĐT:(028) 3930 3279DĐ:0906 22 99 66
I
Tasks specified under Annex I of the Action plan
II
Tasks specified under Annex II of the Action plan
II. Based on management results according to assigned functions and tasks, assess implementation of systems of credit institutions, branches of foreign banks and intermediary payment services regarding following categories:
...
...
...
Mọi chi tiết xin liên hệ: ĐT:(028) 3930 3279DĐ:0906 22 99 66
Assess implementation of payment agencies via following criteria/categories:
a. Number of established agencies; distribution of payment agencies in urban/rural areas,
b. Services provided by agencies;
c. Quality of provided services (convenience when trading via agencies, rate of complaints of customers related to services provided by agencies over total financial complaints received);
d. Measures that have been and are being deployed to promote payment agencies;
dd. Operation results of payment agencies (quantity and total value of transactions of payment agencies).
2. Develop modern payment product and service distribution channels based on digital technology, especially via mobile phones
Assess development of modern payment product and service distribution channels based on digital technology via following categories
a. Develop distribution channels to provide payment products and services for customers;
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Mọi chi tiết xin liên hệ: ĐT:(028) 3930 3279DĐ:0906 22 99 66
c. Cooperation between banks, intermediary payment service providers and other organizations in developing distribution channels/new payment methods to provide payment products and services conveniently, safely and appropriately which are easy to use.
3. Expand coverage of service providers in rural areas4 and remote areas5
Assess rearrangement and expansion of ATM and POS systems in rural areas and remote areas via following categories:
a. Number of ATM and POS in the country; increase/decrease rate compared with the previous year;
b. Quantity and total value of transactions made via ATM and POS systems.
4. Utilize public postal network to provide fundamental financial services
Assess utilization of public postal network to provide fundamental financial services via following categories:
a. Number of financial service providers, number of customers, quantity and total value of transactions made within the reporting period;
b. Payment services that are not made via checking accounts of customers but via public postal network;
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Mọi chi tiết xin liên hệ: ĐT:(028) 3930 3279DĐ:0906 22 99 66
d. Measures that have been and are being deployed to promote the use of public postal network to provide payment services without utilizing checking accounts of customers.
5. Promote non-cash payment in the economy, enable beneficiaries of financial inclusion to be able to access and utilize non-cash payment services
Assess facilitating access and use of non-cash payment services of beneficiaries of financial inclusion via following basic categories:
a. Promotion of non-cash payment for public services and social security;
b. Development and provision of payment services and money transfer services that are easy to use and suitable for rural areas and remote areas.
III. Difficulties in implementation
(Specify all difficulties in task implementation)
IV. Cooperation in task implementation
(Specify state of cooperation with other entities during implementation)
...
...
...
Mọi chi tiết xin liên hệ: ĐT:(028) 3930 3279DĐ:0906 22 99 66
- Propose rectifying measures for difficulties specified under Section III and IV above (if any);
- Propose revision to the Action plan (if any);
- Other relevant propositions and recommendations.
Recipient:
- Institute of Banking Strategy, State Bank of Vietnam
(Location and date)
(Report signer)
___________________
Note:
1 Regulated entities: Payment Department
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...
Mọi chi tiết xin liên hệ: ĐT:(028) 3930 3279DĐ:0906 22 99 66
3 Assessment of payment agency implementation shall be conducted as soon as Regulations on payment agencies are issued.
4 Rural areas refer to administrative divisions of communes and towns, excluding wards in communes, districts and cities.
5 Remote areas refer to areas with scarce population density, located deeply in forest, mountainous regions, inundated areas, away from economic and cultural centers with inconvenient traffic, outdated or poorly developed economy (according to Decree No. 114/2017/ND-CP dated October 9, 2017).
REPORTS ON IMPLEMENTING ACTION PLANS FOR IMPLEMENTATION OF NATIONAL FINANCIAL INCLUSION STRATEGY UNTIL 2025 WITH ORIENTATION TO 2030
(Attached to Decision No. 1309/QD-NHNN dated July 24, 2020 of Governor of the State Bank of Vietnam)
- Entity1:
- Reporting year/Reporting period (with respect to preliminary reports and final reports):
- Contact point (Full name, phone, email):
...
...
...
Mọi chi tiết xin liên hệ: ĐT:(028) 3930 3279DĐ:0906 22 99 66
(Requirement: reports must include comparison with implementation results of the previous reporting period)
No.
Task
Implementation results until the reporting date
Ability to complete as expected (Applicable to tasks that require date of completion)
I
Tasks specified under Annex I of the Action plan
...
...
...
Mọi chi tiết xin liên hệ: ĐT:(028) 3930 3279DĐ:0906 22 99 66
Tasks specified under Annex II of the Action plan
II. Based on management results according to assigned functions and tasks, assess implementation of systems of credit institutions and branches of foreign banks regarding following categories:
1. Assess credit extension serving agricultural and rural development:
Assess credit extension serving agricultural and rural development via following categories:
a. Reviewing credit policies for agricultural and rural sectors;
b. Results of credit extension for agricultural and rural sectors:
- Scale, ratio and rate of credit development;
...
...
...
Mọi chi tiết xin liên hệ: ĐT:(028) 3930 3279DĐ:0906 22 99 66
2. Assessment regarding credit extension for small and medium enterprises and cooperatives
Assess credit extension for small and medium enterprises and cooperatives via following categories:
2.1. Credit extension for small and medium enterprises
a. Credit policies for small and medium enterprises of banking sector;
b. Results of credit extension for small and medium enterprises (scale, ratio and rate of development).
2.2. Credit extension for cooperatives
a. Credit policies for compound economic zones and cooperatives;
b. Results of credit extension for cooperatives (scale, ratio and rate of development).
III. Difficulties in implementation
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...
Mọi chi tiết xin liên hệ: ĐT:(028) 3930 3279DĐ:0906 22 99 66
IV. Cooperation in task implementation
(Specify state of cooperation with other entities during implementation)
V. Propositions and recommendations
- Propose rectifying measures for difficulties specified under Section III and IV above (if any);
- Propose revision to the Action plan (if any);
- Other relevant propositions and recommendations.
Recipient:
- Institute of Banking Strategy, State Bank of Vietnam
(Location and date)
(Report signer)
...
...
...
Mọi chi tiết xin liên hệ: ĐT:(028) 3930 3279DĐ:0906 22 99 66
Note:
1 Regulated entities: Credit Department of Economic Sectors.
2 Entities shall only report on tasks that they take charge according to Annex I and Annex II of the Action plan
REPORTS ON IMPLEMENTING ACTION PLANS FOR IMPLEMENTATION OF NATIONAL FINANCIAL INCLUSION STRATEGY UNTIL 2025 WITH ORIENTATION TO 2030
(Attached to Decision No. 1309/QD-NHNN dated July 24, 2020 of Governor of the State Bank of Vietnam)
- Entity1:
- Contact point (Full name, phone, email):
- Reporting year/Reporting period (with respect to preliminary reports and final reports):
...
...
...
Mọi chi tiết xin liên hệ: ĐT:(028) 3930 3279DĐ:0906 22 99 66
- Number of communes/towns with financial service providers (excluding financial service providers of Vietnam Bank for Social Policy) over total number of communes/towns;
- Number of communes/towns without financial service providers (excluding financial service providers of Vietnam Bank for Social Policy) over total number of communes/towns;
- Number of communes/wards/towns with financial service providers (excluding financial service providers of Vietnam Bank for Social Policy) over total number of communes/wards/towns.
II. On the basis of consolidated reports of people's credit funds, assess implementation of people's credit funds with respect to following categories
(Requirements and assessment regarding local people's credit funds and reports must include comparisons with implementation results of the previous reporting period)
1. Development of payment agency models3
Assess implementation of banking agencies (if any) via following criteria/categories:
a. Number of established agencies; distribution of banking agencies of people's credit funds in the areas;
b. Services provided by agencies;
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...
...
Mọi chi tiết xin liên hệ: ĐT:(028) 3930 3279DĐ:0906 22 99 66
d. Measures that have been and are being deployed to promote banking agencies;
dd. Operational results of banking agencies (number of customers using the services via agencies, revenues of service fees).
2. Expansion of coverage of service providers
Assess expansion of coverage of people's credit funds in the areas via following categories:
- Number of people's credit funds/agencies of people's credit funds in the areas4;
- Number of communes/towns with people’s credit funds/agencies of people’s credit funds over total number of communes/towns in the areas (for rural areas);
- Number of communes/wards/towns with people’s credit funds/agencies of people’s credit funds over total number of communes/wards/towns in the areas (for rural areas);
- Number of communes/wards/towns where only people’s credit funds/agencies of people’s credit funds are available without any branch or agency of commercial banks, branches of foreign banks, cooperative banks, non-bank credit institutions, microfinance institutions (excluding Vietnam Bank for Social Policy) over total number of communes/wards/towns in the areas;
- Operation results of people's credit fund (total number of customers, total outstanding debt, total mobilized amount and total bad debts/total outstanding debts).
...
...
...
Mọi chi tiết xin liên hệ: ĐT:(028) 3930 3279DĐ:0906 22 99 66
Assess development of fundamental financial products and services aiming towards targets of financial inclusion via following criteria/categories
a. Notable products and services;
b. Details of notable products and services (procedures and incentive policies);
c. Measures that have been and are being deployed to promote development of flexible microfinance products and services suitable for poor people, people with low income, women and very small enterprises in rural areas5 and remote areas6;
4. Development and implementation of programs for financial knowledge improvement and compliance with regulations on financial consumer protection
Assess development and implementation of programs for financial knowledge improvement and compliance with regulations on financial consumer protection via following categories
a. Develop and deploy programs for improving financial knowledge
- Number of programs developed and implemented;
- Contents of programs
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Mọi chi tiết xin liên hệ: ĐT:(028) 3930 3279DĐ:0906 22 99 66
- Results (number of participants of financial knowledge improvement programs);
- Cooperation with socio-political organizations, political – vocational organizations and other organizations in developing and implementing financial education programs.
b. Protect financial consumers
- Publicize information;
- Transparentise cost structure and service fees;
- Transparentise approach and resolution to conflicts of financial service providers for financial consumers;
- Deal with financial conflicts, accusations and complaints;
III. Difficulties in implementation
(Specify all difficulties in task implementation)
...
...
...
Mọi chi tiết xin liên hệ: ĐT:(028) 3930 3279DĐ:0906 22 99 66
(Specify state of cooperation with other entities during implementation)
V. Propositions and recommendations
- Propose rectifying measures for difficulties specified under Section III and IV above (if any);
- Propose revision to the Action plan (if any);
- Other relevant propositions and recommendations.
Recipient:
- Institute of Banking Strategy, State Bank of Vietnam
- Central Banking Inspection and Supervision Authority, State Bank of Vietnam.
(Location and date)
(Report signer)
___________________
...
...
...
Mọi chi tiết xin liên hệ: ĐT:(028) 3930 3279DĐ:0906 22 99 66
1 Regulated entities: SBV branches of provinces and cities
2 Financial service providers include branches, agencies (including post agencies) of financial institutions, branches of foreign banks, cooperative banks, non-bank credit institutions, people's credit funds and microfinance institutions, excluding social policy banks of communes/towns with financial service providers that are communes/towns with one or multiple financial service providers.
3 Assessment of banking agency (payment agency) implementation shall be conducted as soon as Regulations on banking agencies (payment agencies) are issued.
4 Specify network of people’s credit funds (where people’s credit funds and agencies thereof are situated) in the areas according to communes/wards/towns and districts/townlets/cities affiliated to provinces on Excel spreadsheet and submit files with format of .xls and .xlsx together with Annex VII.
5 Rural areas refer to administrative divisions of communes and towns, excluding wards in communes, districts and cities.
6 Remote areas refer to areas with scarce population density, located deeply in forest, mountainous regions, inundated areas, away from economic and cultural centers with inconvenient traffic, outdated or poorly developed economy (according to Decree No. 114/2017/ND-CP dated October 9, 2017).
REPORTS ON IMPLEMENTING ACTION PLANS FOR IMPLEMENTATION OF NATIONAL FINANCIAL INCLUSION STRATEGY UNTIL 2025 WITH ORIENTATION TO 2030
(Attached to Decision No. 1309/QD-NHNN dated July 24, 2020 of Governor of the State Bank of Vietnam)
...
...
...
Mọi chi tiết xin liên hệ: ĐT:(028) 3930 3279DĐ:0906 22 99 66
- Contact point (Full name, phone, email):
- Reporting year/Reporting period (with respect to preliminary reports and final reports):
I. Implementation results of tasks specified under Annex II of the Action plan
(Requirement: reports must include comparison with implementation results of the previous reporting period)
1. Development of distribution channels in a diversified manner for the general public and enterprises to access and utilize financial products and services conveniently with reasonable expenditure
a. Development of banking agency models2
Assess implementation of banking agency model (if any) via following criteria/categories:
- Number of established agencies; in which: number of banking agencies established in rural areas (communes/towns) and number of banking agencies established in urban areas (wards);
- Services provided by agencies;
...
...
...
Mọi chi tiết xin liên hệ: ĐT:(028) 3930 3279DĐ:0906 22 99 66
- Measures that have been and are being deployed to implement banking agency models;
- Operational results of banking agencies (number of customers using the services via agencies, revenues of service fees).
b. Develop modern distribution channels3 based on digital technology, especially via mobile phones
Assess development of modern distribution channels based on digital application of organizations via following categories:
- Development of modern distribution channels to provide products and services; number of active distribution channels in rural areas4 and remote areas5
- Measures that have been and are being deployed related to development of modern distribution channels based on digital technology;
- Application of information technology for meeting requirements for developing modern distribution channels, administration, operation and risk management;
- Deployed preventive measures and cyber security measures
- Cooperation with financial technology organizations, intermediary payment services and other organizations in developing distribution channels and new payment methods to provide products and services with low costs conveniently, safely and appropriately for suitable use in rural areas and remote areas.
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Mọi chi tiết xin liên hệ: ĐT:(028) 3930 3279DĐ:0906 22 99 66
Assess expansion of coverage of service providers in rural areas and remote areas of organizations via following categories:
- Total number of branches, agencies, ATM and POS; increase/decrease rate compared to previous year6;
- Number of branches and agencies established in communes/towns (for rural areas);
- Number of branches and agencies established in communes/wards/towns (in the country);
- Percentage of branches and agencies established in communes/towns over total number of branches and agencies of reporting entities;
- Measures that have been and are being adopted to expand coverage of branches, agencies, ATM and POS in rural areas and remote areas.
2. Development of fundamental financial products and services in a diversified manner aiming towards targets of financial inclusion
a. Promote non-cash payment in the economy, enable beneficiaries of financial inclusion to be able to access and utilize non-cash payment services
Assess facilitating access and use of non-cash payment services of beneficiaries of financial inclusion of organizations via following basic categories:
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Mọi chi tiết xin liên hệ: ĐT:(028) 3930 3279DĐ:0906 22 99 66
- Measures that have been and are being implemented to promote the use of non-cash payment for payment for public services, social security, salaries, goods and services.
b. Develop and provide fundamental financial products and services in a diversified manner aiming towards targets of financial inclusion
Assess development and provision of fundamental financial products and services aiming towards beneficiaries of financial inclusion of organizations via following criteria/categories:
- Types of flexible microfinance products and services suitable for poor people, people with low income, women and very small enterprises in rural areas and remote areas;
+ Notable products and services;
+ Details of notable products and services (procedures, interest rates and incentive policies);
+ Measures that have been and are being deployed to promote development of flexible microfinance products and services suitable for poor people, people with low income, women and very small enterprises in rural areas and remote areas.
- Payment services and money transfer services that are easy to use and suitable for rural areas and remote areas;
+ Notable services;
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Mọi chi tiết xin liên hệ: ĐT:(028) 3930 3279DĐ:0906 22 99 66
+ Measures that have been and are being deployed to promote payment services and money transfer services that are easy to use and suitable for rural areas and remote areas.
- Domestic loan products suitable for applicants for domestic loans with reasonable interest rate.
+ Notable products;
+ Details of notable products and services (procedures, interest rates and incentive policies);
+ Measures that have been and are being deployed to promote domestic loan products suitable for individuals taking loans with reasonable interest rates.
- Financial products and services serving agricultural production and rural areas;
+ Notable products and services;
+ Details of notable products and services (procedures, interest rates and incentive policies);
+ Measures that have been and are being deployed to promote development of financial products and services serving agricultural production and rural areas
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Mọi chi tiết xin liên hệ: ĐT:(028) 3930 3279DĐ:0906 22 99 66
+ Notable products and services;
+ Details of notable products and services (procedures, interest rates and incentive policies);
+ Measures that have been and are being deployed to promote development of financial products and services serving business production of small and medium enterprises, cooperatives and business households.
3. Development and implementation of programs for financial knowledge improvement and compliance with regulations on financial consumer protection
Assess development and implementation of programs for financial knowledge improvement and compliance with regulations on financial consumer protection via following categories
a. Develop and deploy programs for improving financial knowledge
- Number of programs developed and implemented;
- Contents of programs
- Method of implementation;
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Mọi chi tiết xin liên hệ: ĐT:(028) 3930 3279DĐ:0906 22 99 66
- Cooperation with socio-political organizations, political – vocational organizations and other organizations in developing and implementing financial education programs.
b. Protect financial consumers
- Publicize information;
- Transparentise cost structure and service fees;
- Transparentise approach and resolution to conflicts of financial service providers for financial consumers;
- Deal with financial conflicts, accusations and complaints;
- Ensure security and safety in e-banking operation.
II. Difficulties in implementation
(Specify all difficulties in task implementation)
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Mọi chi tiết xin liên hệ: ĐT:(028) 3930 3279DĐ:0906 22 99 66
- Propose rectifying measures for difficulties specified under Section II above;
- Propose revision to the Action plan (if any);
- Other relevant propositions and recommendations.
Recipient:
- Institute of Banking Strategy, State Bank of Vietnam
- Central Banking Inspection and Supervision Authority, State Bank of Vietnam.
(Location and date)
(Report signer)
___________________
Note:
1 Regulated entities: Financial institutions, cooperative banks, Vietnam Bank for Social Policy, foreign bank branches, non-bank credit institutions (financial companies, financial lease companies)
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Mọi chi tiết xin liên hệ: ĐT:(028) 3930 3279DĐ:0906 22 99 66
3 Modern distribution channels include ATM, POS, Mobile Banking, Internet Banking and others (specify if any)
4 Rural areas refer to administrative divisions of communes and towns, excluding wards in communes, districts and cities.
5 Remote areas refer to areas with scarce population density, located deeply in forest, mountainous regions, inundated areas, away from economic and cultural centers with inconvenient traffic, outdated or poorly developed economy (according to Decree No. 114/2017/ND-CP dated October 9, 2017).
6 With respect to Lien Viet Post Joint Stock Commercial Bank, include post agencies. Non-bank credit institutions are not required to assess categories related to ATM and POS development
7 Only recommendations related to revision of Strategy/Action plan or difficulties, complaints related to implementation of tasks and solutions of Strategy/Action plan that are not mentioned under other reports which have been submitted to the SBV shall be specified.
REPORTS ON IMPLEMENTING ACTION PLANS FOR IMPLEMENTATION OF NATIONAL FINANCIAL INCLUSION STRATEGY UNTIL 2025 WITH ORIENTATION TO 2030
(Attached to Decision No. 1309/QD-NHNN dated July 24, 2020 of Governor of the State Bank of Vietnam)
- Entity1:
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Mọi chi tiết xin liên hệ: ĐT:(028) 3930 3279DĐ:0906 22 99 66
- Reporting year/Reporting period (with respect to preliminary reports and final reports):
I. Implementation results of tasks specified under Annex II of the Action plan
(Requirement: reports must include comparison with implementation results of the previous reporting period)
1. Development of payment agency models2
Assess implementation of banking agencies (if any) via following criteria/categories:
a. Number of established agencies; distribution of banking agencies in the areas;
b. Services provided by agencies;
c. Quality of provided services (convenience when trading via agencies, rate of complaints of customers related to services provided by agencies over total financial complaints received);
d. Measures that have been and are being deployed to promote banking agencies;
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Mọi chi tiết xin liên hệ: ĐT:(028) 3930 3279DĐ:0906 22 99 66
2. Expansion of coverage of service providers
Assess expansion of coverage of service providers of the funds via following categories.
- Specify network of funds (where funds and agencies thereof are situated) in the areas according to communes/wards/towns and districts/townlets/cities affiliated to provinces on Excel spreadsheet and submit files with format of .xls or .xlsx together with Annex IX.
- Number of communes/towns where head offices of people’s credit funds/agencies of people’s credit funds are situated (for rural areas);
- Number of communes/wards/towns where head offices of people’s credit funds/agencies of people’s credit funds are situated;
- Operation results of funds (total number of customers, total outstanding debt, total mobilized amount and total bad debts/total outstanding debts).
3. Development of fundamental financial products and services in a diversified manner aiming towards targets of financial inclusion
Assess development of fundamental financial products and services aiming towards targets of financial inclusion via following categories
a. Notable products and services;
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Mọi chi tiết xin liên hệ: ĐT:(028) 3930 3279DĐ:0906 22 99 66
c. Measures that have been and are being deployed to promote development of flexible microfinance products and services suitable for poor people, people with low income, women and very small enterprises in rural areas3 and remote areas4.
4. Development and implementation of programs for financial knowledge improvement and compliance with regulations on financial consumer protection
Assess development and implementation of programs for financial knowledge improvement and compliance with regulations on financial consumer protection via following categories:
a. Develop and deploy programs for improving financial knowledge
- Number of programs developed and implemented;
- Contents of programs
- Method of implementation;
- Results (number of participants of financial knowledge improvement programs);
- Cooperation with socio-political organizations, political – vocational organizations and other organizations in developing and implementing financial education programs.
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...
Mọi chi tiết xin liên hệ: ĐT:(028) 3930 3279DĐ:0906 22 99 66
- Publicize information;
- Transparentise cost structure and service fees;
- Transparentise approach and resolution to conflicts of financial service providers for financial consumers;
- Deal with financial conflicts, accusations and complaints.
II. Difficulties in implementation
(Specify all difficulties in task implementation)
III. Recommendations and propositions5
- Propose rectifying measures for difficulties specified under Section II above (if any);
- Propose revision to the Action plan (if any);
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Mọi chi tiết xin liên hệ: ĐT:(028) 3930 3279DĐ:0906 22 99 66
Recipient:
SBV branches in provinces/cities where people’s credit funds are based
(Location and date)
(Report signer)
___________________
Note:
1 Regulated entities: People’s credit funds
2 Assessment of banking agency (payment agency) implementation shall be conducted as soon as Regulations on banking agencies (payment agencies) are issued
3 Rural areas refer to administrative divisions of communes and towns, excluding wards in communes, districts and cities.
4 Remote areas refer to areas with scarce population density, located deeply in forest, mountainous regions, inundated areas, away from economic and cultural centers with inconvenient traffic, outdated or poorly developed economy (according to Decree No. 114/2017/ND-CP dated October 9, 2017).
...
...
...
Mọi chi tiết xin liên hệ: ĐT:(028) 3930 3279DĐ:0906 22 99 66
REPORTS ON IMPLEMENTING ACTION PLANS FOR IMPLEMENTATION OF NATIONAL FINANCIAL INCLUSION STRATEGY UNTIL 2025 WITH ORIENTATION TO 2030
(Attached to Decision No. 1309/QD-NHNN dated July 24, 2020 of Governor of the State Bank of Vietnam)
- Entity1:
- Contact point (Full name, phone, email):
- Reporting year/Reporting period (with respect to preliminary reports and final reports):
I. Implementation results of tasks specified under Annex II of the Action plan
(Requirement: reports must include comparison with implementation results of the previous reporting period)
1. Development of payment agency models2
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Mọi chi tiết xin liên hệ: ĐT:(028) 3930 3279DĐ:0906 22 99 66
a. Number of agencies established; Distribution of banking agencies in the areas;
b. Services provided by agencies;
c. Quality of provided services (convenience when trading via agencies, rate of complaints of customers related to services provided by agencies over total financial complaints received);
d. Measures that have been and are being deployed to promote banking agencies;
dd. Operational results of banking agencies (number of customers using the services via agencies, revenues of service fees).
2. Expansion of coverage of service providers
Assess expansion of coverage of service providers of organizations via following categories:
- Specify network of organizations (where head offices, branches and agencies of organizations are situated) in the areas according to communes/wards/towns and districts/townlets/cities affiliated to provinces on Excel spreadsheet and submit files with format of .xls or .xlsx together with Annex X;
- Number of branches and agencies;
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Mọi chi tiết xin liên hệ: ĐT:(028) 3930 3279DĐ:0906 22 99 66
- Operation results of microfinance institutions (number of customers, total outstanding debt, total mobilized amount, bad debt/total outstanding debt).
3. Development of fundamental financial products and services in a diversified manner aiming towards targets of financial inclusion
a. Notable products and services;
b. Details of notable products and services (procedures and incentive policies);
c. Measures that have been and are being deployed to promote development of flexible microfinance products and services suitable for poor people, people with low income, women and very small enterprises in rural areas3 and remote areas4.
4. Development and implementation of programs for financial knowledge improvement and compliance with regulations on financial consumer protection
Assess development and implementation of programs for financial knowledge improvement and compliance with regulations on financial consumer protection of organizations via following categories:
a. Develop and deploy programs for improving financial knowledge
- Number of programs developed and implemented;
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Mọi chi tiết xin liên hệ: ĐT:(028) 3930 3279DĐ:0906 22 99 66
- Method of implementation;
- Results (number of participants of financial knowledge improvement programs);
- Cooperation with socio-political organizations, political – vocational organizations and other organizations in developing and implementing financial education programs.
b. Protect financial consumers
- Publicize information;
- Transparentise cost structure and service fees;
- Transparentise approach and resolution to conflicts of financial service providers for financial consumers;
- Deal with financial conflicts, accusations and complaints.
II. Difficulties in implementation
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...
Mọi chi tiết xin liên hệ: ĐT:(028) 3930 3279DĐ:0906 22 99 66
III. Recommendations and propositions5
- Propose rectifying measures for difficulties specified under Section II above (if any);
- Propose revision to the Action plan (if any);
- Other relevant propositions and recommendations.
Recipient:
- Institute of Banking Strategy, State Bank of Vietnam
- Central Banking Inspection and Supervision Authority, State Bank of Vietnam.
(Location and date)
(Report signer)
___________________
Note:
...
...
...
Mọi chi tiết xin liên hệ: ĐT:(028) 3930 3279DĐ:0906 22 99 66
2 Assessment of banking agency (payment agency) implementation shall be conducted as soon as Regulations on banking agencies (payment agencies) are issued.
3 Rural areas refer to administrative divisions of communes and towns, excluding wards in communes, districts and cities
4 Remote areas refer to areas with scarce population density, located deeply in forest, mountainous regions, inundated areas, away from economic and cultural centers with inconvenient traffic, outdated or poorly developed economy (according to Decree No. 114/2017/ND-CP dated October 9, 2017).
5 Only recommendations related to revision of Strategy/Action plan or difficulties, complaints related to implementation of tasks and solutions of Strategy/Action plan that are not mentioned under other reports which have been submitted to the SBV shall be specified.
REPORTS ON IMPLEMENTING ACTION PLANS FOR IMPLEMENTATION OF NATIONAL FINANCIAL INCLUSION STRATEGY UNTIL 2025 WITH ORIENTATION TO 2030
(Attached to Decision No. 1309/QD-NHNN dated July 24, 2020 of Governor of the State Bank of Vietnam)
- Entity1:
- Contact point (Full name, phone, email):
...
...
...
Mọi chi tiết xin liên hệ: ĐT:(028) 3930 3279DĐ:0906 22 99 66
I. Implementation results of tasks specified under Annex II of the Action plan
(Requirement: reports must include comparison with implementation results of the previous reporting period)
1. Regarding promoting payments completed via mobile devices, promote digital banking and financial products and service for peoples in rural areas2 and remote areas3
Assess development of modern payment channels/portals based on digital application of organizations via following categories:
- Number of active payment channels/portals in the country, number of active payment channels/portals in rural areas and remote areas;
- Total number of cash deposit/withdrawal locations; number of cash deposit/withdrawal locations in rural areas and remote areas (communes/towns);
- Total number of payment locations; number of payment locations in rural areas and remote areas (communes/towns);
- Measures that have been and are being deployed related to development of modern payment channels based on digital technology.
2. Regarding promoting non-cash payment in the economy, enable beneficiaries of financial inclusion to be able to access and utilize non-cash payment services
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Mọi chi tiết xin liên hệ: ĐT:(028) 3930 3279DĐ:0906 22 99 66
- Pay for periodic bills, goods and services via payment portals/e-wallets:
+ Number of activated e-wallets, number of activated e-wallets in rural areas, remote areas and percentage of activated e-wallets in rural areas and remote areas over total number of activated e-wallets;
+ Quantity and value of transactions made via e-wallets, quantity and value of transactions made via e-wallets of customers living in rural areas and remote areas;
+ Number and value of transactions made via e-wallets for payment of electricity, water, telecommunication, television bills, tuition fees and hospital fees;
+ Average balance of an e-wallet.
- Cooperation with banks, financial technology organizations, public service providers (treasury, tax, customs, administrative agencies, schools and hospitals), utility service providers (telecommunication, electricity, water, television) and other organizations in developing payment solutions suitable for personal payments.
3. Regarding completing financial infrastructures
Assess enhancing security and safety in banking operations to create credibility among the general public and protect credit users of organizations via following categories:
- Deployed preventive measures and cyber security measures
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Mọi chi tiết xin liên hệ: ĐT:(028) 3930 3279DĐ:0906 22 99 66
III. Difficulties in implementation
(Specify all difficulties in task implementation)
IV. Recommendations and propositions4
- Propose rectifying measures for difficulties specified under Section III above (if any);
- Propose revision to the Action plan (if any);
- Other relevant propositions and recommendations.
Recipient:
- Institute of Banking Strategy, State Bank of Vietnam
(Location and date)
(Report signer)
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Mọi chi tiết xin liên hệ: ĐT:(028) 3930 3279DĐ:0906 22 99 66
Note:
1 Regulated entities: Intermediate payment service providers
2 Rural areas refer to administrative divisions of communes and towns, excluding wards in communes, districts and cities.
3 Remote areas refer to areas with scarce population density, located deeply in forest, mountainous regions, inundated areas, away from economic and cultural centers with inconvenient traffic, outdated or poorly developed economy (according to Decree No. 114/2017/ND-CP dated October 9, 2017).
4 Only recommendations related to revision of Strategy/Action plan or difficulties, complaints related to implementation of tasks and solutions of Strategy/Action plan that are not mentioned under other reports which have been submitted to the SBV shall be specified.
1 Service providers affiliated to SBV, Institute of Banking Strategy, the National Credit Information Center of Vietnam, Banking Journal, Banking Magazine, Banking official improvement centers, Banking Institute, Ho Chi Minh City University of Banking
2 Enterprises under management of SBV, including
- State enterprises under management of SBV, including Vietnam Asset Management Company (VAMC) of credit institutions, Deposit Insurance of Vietnam, Bank of Agriculture and Rural Development, 3 banks under compulsory acquisition by SBV which are Global Petrol Bank, Vietnam Construction Bank and Ocean Bank
- Partially state-owned enterprises under management of SBV, including National Payment Corporation of Vietnam, Cooperative Bank, Joint Stock Commercial Bank for Foreign Trade of Vietnam, Vietnam Joint Stock Commercial Bank for Industry and Trade, Bank for Investment and Development of Vietnam