Based on the reflection of enterprises, credit institutions (credit institutions), Vietnam Banking Association has both requested by the State Bank (SBV) to consider expanding the restructuring time of debt repayment period, remaining The debt group in the direction is more suitable for the revenue, cash flow of the customer, as well as the level of influence of Covid-19.0: 00/3: 15 namthong in the blockade time, the Vietnam Banking Association proposes to Permission of customers with due debts (roots and / or interest) temporarily postponing, moving the debt repayment deadline after maturity before the situation of translation Covid -19 stressed many ways of stretching, 5/8, goods (BNBA) met with member credit institutions to discuss the issues around the bank debt group according to Circular 03.Cognitive, according to VNBA, the deadline for debt structure, maintain the debt group Circular 03 (amending supplementing Circular 01 of the SBV) is only over 4 months off. However, from the end of April 4/2021, the 4th Covid-19 translation exploded, spreading in many provinces and cities, seriously affecting the production and business activities of enterprises and people. Enterprises reflecting are very difficult due to no revenue sources, do not pay bank debt, not structured loans according to Circular 01 and Circular 03, affecting the classification of debt groups
. Banks cannot structure debt, continue to lend to customers because of entanglement in Circular 01 and Circular 03, bad debt tends to rise. Beyond the reflection of businesses and credit institutions, VNBA deals Export of the State Bank to review the revision of Circular 03, allowing the application of debt structure to keep the debt group with the affected customer Covid-19 during the period from January 23, 2020 until the adjacent day after 3 months since The day of the Prime Minister announced the fact that Covid-19, instead of December 31, 2021 as far as the present, for customers in the province / city, the province must apply social ways to follow in Directive 16, in the area Blocks / isolation, VNBA asked the SBV to consider expanding the mechanism: the balance of debt is still within or overdue to 30 days from the date of the payment term, the time limit for repayment according to contracts and agreements. Support for customers who have worked in social distance in the 4th epidemic period (blocked customers), Mr
Nguyen Quoc Hung, General Secretary of Vietnam Banking Association recommended: Permission Customers have N Because it is critical during blockade (root and / or interest) temporarily postpone the debt repayment, transfer the debt repayment time of these critical items after the maturity date. "If the customer has maturity debt during the time Blockade space, maturity time will be moved after blockade time; Not collecting fines and interests in the time of postponing repayment. ", Mr. Hung said. The assessment and announcement of new debt repayment schedule: Not applying appraisal of customer situation to carry out postponing . Credit institutions are actively structured to blocked customers, no need to ask customers to provide records / documents proving revenue, income declined by the impact of Coven - 19. Repayment is done automatically by the bank. Notice of new debt repayments will be sent to full customer via current notification channels such as messages, emails ..
if customers do not want to postpone repayment, customers It is possible to pay debts such as regular calendars (do not incur additional debt repayment fees). According to VNBA representative, the classification of debt for debt repayment delays does not record debt repayment delays This is the debt structure; does not change the customer's debt classification after making debt repayment. . Dịch vụ:
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