Chương 2: Thông tư 03/2013/TT-NHNN quy định về hoạt động thông tin tín dụng của Ngân hàng Nhà nước Việt Nam Hoạt động thông tin tín dụng

Chapter 2.

CREDIT INFORMATION ACTIVITY

Article 7. Supply of credit information

1. Credit institutions, foreign banks’ branches supply for the CIC all the credit information norm system specified in Annex enclosed with this Circular and classified into norm groups as follows:

a) Information to identify the borrowers who are individuals, business households; information to identify the borrowers being enterprises, other organizations; information to identify the owners of credit card;   

b) Information of credit contracts;

c) The borrowers’ information of credit relationship;

d) Information of account status of credit cards;

e) Information of loan security;

g) Financial information of borrowers being enterprises;

h) Information of bond investment in borrowers being enterprises;

2. Voluntary organizations supply for the CIC wholly or part of credit information norm system specified in Annex enclosed with this Circular on the basis of agreement with the CIC, ensuring principle on safety, secret keeping and other provisions of law.

3. Supply of credit information specified in clause 1 and clause 2 this Article is performed under electronic data file form according to groups of credit information norms and guides of the CIC. In special cases, credit institutions, foreign banks’ branches, voluntary organizations may supply in writing for a few of groups or whole groups of credit information norms but must be accepted by the CIC.

Article 8. Time of credit information provision

1. Provision of data shall arise within 03 working days after data is arisen applicable to the following groups of information norms:

a) Groups of information norms specified in points a, b and g clause 1 Article 7 of this Circular when having new borrowers;

b) Groups of information norms specified in points a, b clause 1 Article 7 of this Circular when having at least a norm in group changing content.

2. Groups of information norms specified in points c, d, e and h clause 1 Article 7 of this Circular must be supplied within 05 working days as from the final day of the preceding month.

3. Groups of information norms specified in points g clause 1 Article 7 of this Circular must be supplied before April 30 of the following year.

4. Social policy Banks, People’s credit funds, microfinance organizations must supply data arising in month within 05 working days form the final day of preceding month.

Article 9. Handling, storing of and keeping in safety for credit information

1. On the basis of received information, the CIC use technological and professional solutions in order to handle credit information data including stages of receipt, standardization, cleaning, combination and updating into the database of national credit information.

2. Credit information data shall be kept in the CIC, credit institutions, foreign banks’ branches, voluntary organizations within 05 year, since arising data.

3. Handling, keeping credit information data must ensure intactness, sufficiency, without erroneousness of information during handling, keeping and taking out as required.

4. Credit information data must be kept in secret, and be ensured not to be interfered contrarily to provisions in this Circular and other provisions of law.

Article 10. Subjects of credit information use

1. State management agencies use credit information products in direct service for professional operation on inspection, supervision, investigation, prosecution, trial, execution of judgments; social investigation and statistic and other purposes as prescribed by law.  

2. Units of the State bank use credit information products in service for requirement on state management of the State bank

3. Credit institutions, foreign banks’ branches use credit information services for searching customers, assessment on customers' solvency, credit risk control and other professional banking activities.

4. Voluntary organizations use credit information services for customer assessment and other purposes as prescribed by law.

5. Borrowers use credit information services for checking individual information and other purposes as prescribed by law.

6. Apart from subjects specified in above clauses, if an organization or individual use credit information services of a borrower, it is required to have consensus in writing of such borrower.  

Article 11. Limitation of credit information use

1. Negative information of borrower is only used in order to make credit information product within 05 years, since such negative information ended, unless otherwise prescribed by law.

2. Information of debts which are dealt by risk provisions is permitted to supply for only the State bank and other state management as prescribed by law.

3. Voluntary organizations, borrowers use credit information services under agreement and commitments with the CIC on the basis of principle on voluntary and assurance for abiding by provisions of law.

4. Organizations, individuals violate provisions in this Circular and other provisions of law, depend on nature and seriousness of violation, shall be restrained part, suspended for a period or stop permanently the right of credit information service use.