The new Circular No. 14 issued by the State Bank is assessed to expand the coverage and extend the assistive timeline, which will help people and businesses are having difficulties due to Covid-19 translation. Experts believe that the banking industry is preaching the 'problem without precedent', which is both business assistance, both safe and secure systems 9: 00/5: 53 NAMTUR-SUBJECTS INDUSTRY Solving the problem without a precedent to perform the dual goal of its own stronger support for people, DN on March 13, 2020, the State Bank (SBV) issued Circular No. 01/2020 / TT -NHNN on the organization of credit institutions and foreign bank branches (credit institutions) restructuring the debt repayment period, exemption or reduction of interest and fees, maintaining debt groups to support customers influenced by Covid-19 translation . By April 2, 2021, the SBV issued Circular No
. 03/2021 / TT-NHNN amending to supplement Circular No. 01.After 5 months from the time of issuing Circular 03, the SBV continued to issue communication FIRST 14/2021 / TT-NHNN dated September 7, 2021 amending and supplementing a number of articles of Circular No
01 (amending Circular 01 for the second time). Change with the Government Electronic Newspaper on Circular 14, Economic Specialist Dinh Trong Thinh said that compared to the old regulation, Circular 14 has some new points notable. That is the scope of debt restructuring the debt repayment period, exemption from interest and fees including debts incurred before August 1, 2021 instead of only incurred debts before June 10. / 2020 as the provisions of Circular 03. The time of debt structure is extended by 6 months (until June 30, 2022) instead of on December 31, 2021 as before. Extending the debt structure period is reasonable, especially in the context of translation of Covid-19 this time relatively complex. This helps businesses and banks reduce pressure on debt repayment, temporarily not transferred to worse groups. Take advantage of the chances of debt structure, businesses have more resources and time to continue restoring production and business. Circular 14 also has specific guidelines, more details than previous guidelines with The rules are quite clear about interest rate exemption and fees showing more close attention and supervision of the SBV with this activity. According to Dinh Trong Thinh expert, instructions on debt structure or interest reduction, Fees in the Circular of the State Bank have a framework for framework and specific implementation, credit institutions must be based on the actual situation of enterprises
Because Covid-19 epidemic causes difficulties for many areas of the economy but does not mean that all enterprises are affected. There are still businesses that maintain good results, even take advantage of more profitable business opportunities, unable to support the rwork. Circular 14 with adjustment regulations, supplements with many new points, encouraging the The bank supports people and enterprises more difficult to be stronger than Circulars 01, Circular 03 before. However, the most important issue is to bring that support policy mechanisms soon go into life. Need to shorten the gap of support from policies and practices, simplify the maximum procedures, increase accessibility, help people, businesses. The Banking Association believes that Circular 03 amending Circular 01 was issued at a time where Covid-19 translation was almost fully controlled, then, at the time of more complicated translation, be made Highway some points are no longer suitable. And Circular 14 has just been born, taking into account the current context to uninstall some problems. Circular 14 helps commercial banks can further implement the debt structure solutions, support Timely support for customers who are facing difficulties in cash flow due to the influence of the translation. However, representatives of the Banking Association also said that "the dose" is still not strong enough if compared to the need to support Support of enterprises Currently, in Circular 14, the SBV allows the structure of loans arising before 1/8/2021, but the actual situation of epidemics may be prolonged. Moreover, the impact of a latency, causing the economy in general as many businesses also face difficulties. According to preliminary calculations, even if the operations are coming back to normal, it takes a lot of time for businesses to recover gradually ... so Mr. Hung is afraid that with a time limit The debt structure in Circular 14 lasts up to the end of June 2022, many businesses may not recover. Not to mention, the debt structure still has to be paid, so it may occur in the deadline for structure and enterprises still have difficulties with new and old debts. If that time, businesses that do not pay can lead to increased bank debt. There are the same views, Nguyen Tri Hieu bank experts claim first, still need to record positive effects that Circular 14 Bring to support in immediate difficulties, helping businesses have idle cash flow not to pay debts to recover. However, according to the expert, the regulations on not transferring bad debt groups can be good for immediate, but in the long run can cause "misunderstandings". The experts said that the State Bank's executive agency is currently award Problem with multiple variables such as: how debt structure, lower interest . Dịch vụ:
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