Chapter 3.
RIGHTS AND OBLIGATIONS OF RELEVANT ORGANIZATIONS, INDIVIDUALS
Article 12. Rights and obligations of the Credit Information Center
1. To formulate and guide system of code number, information norm, form of report data files, method of information transmission, and to issue right to access into system for users.
2. To gather, handle, save and keep in secret credit information of borrowers from credit institutions, foreign banks’ branches, voluntary organizations and individuals.
3. To urge, examine, supervise implementation of supply of credit information of credit institutions, foreign banks’ branches as prescribed in Article 7, 8 of this Circular.
4. To coordinate with units of the State bank in setting up and timely supply of credit information products in order to meet requirements on state management.
5. To publicize information on principles, scope of credit information service use, process of credit information service use, levels of charge for credit information service use to users.
6. To support training officers in credit information activity for credit institutions, foreign banks’ branches, and voluntary organizations as required.
7. To sign contracts and collect charges of credit information service use applicable with units and users as prescribed by the State bank and the CIC.
8. To decide collection levels of services in principle of assurance of covering sufficiently for operation cost.
9. To restrain or refuse supply of credit information products, services for organizations, individuals who fail to abide by provisions in this Circular and other commitments with the CIC.
10. To issue norms and organize implementation of assessment of credit information supply quality, to apply measures to encourage organizations, individuals in good implementation of credit information activity; to propose handling of violations in credit information activity.
11. To consult units, users on credit information service quality at least one year once.
Article 13. Rights and obligations of relevant units of the State bank
1. Relevant units of the State bank shall, within their functions and duties, be entitled to use credit information products in service for state management activity as prescribed in this Circular.
2. Duty to coordinate with the CIC
a) The Banking inspection and supervision agency
- To supply for the CIC the following information: List of credit institutions, branches, affiliated units of credit institutions, foreign banks’ branches which are established, dissolved, go in bankrupt, purchased, merged; shareholders or founder members, major shareholders of credit institutions; own capital of credit institutions and information related to credit activity of credit institutions, chi nhánh ngân hàng nước ngoài;
- To assume the prime responsibility for, and coordinate with the CIC in inspection, examination of credit information activity in credit institutions, foreign banks’ branches.
b) Department of Monetary statistics and Forecast shall supply statistical data on credit activity of sector for the CIC;
c) Department of Foreign Exchange Control shall, under its competence, supply data of foreign loans and repayment of organizations, individuals domestic for the CIC;
d) Credit Department shall supply cases of loans falling beyond regulation of the State bank for the CIC;
e) The State bank’s branches in central-affiliated cities and provinces shall supply data of foreign loans and repayment of organizations, individuals domestic for the CIC; coordinate with the CIC in implementation of local credit information activity.
Article 14. Rights and obligations of Credit institutions, foreign banks’ branches
1. To supply and take responsibility for exactness, sufficiency, timeliness of credit information as prescribed in Article 7, 8 of this Circular and guides of the CIC.
2. To supply and set up a information technology system which meet requirement on setting up data, controlling data to supply for the CIC; to issue internal regulations and manage system of credit information norms in whole system.
3. To use credit information services as prescribed in Article 11 of this Circular and guides of the CIC;
4. To examine, verify, adjust mistaken data at the request of the CIC, borrowers or upon detecting mistakes.
5. To pay full and timely charges of credit information service use as agreement in contract.
6. To appoint officers joining courses of training credit information which are organized or coordinated to organize by the CIC.
Article 15. Rights and obligations of voluntary organizations joining the credit information system
1. To supply and take responsibility for exactness, sufficiency, timeliness of credit information as prescribed by law and commitments with the CIC.
2. To examine, verify, adjust mistaken data at the request of the CIC, borrowers or upon detecting mistakes.
3. To use credit information services as prescribed in Articles 10, 11 of this Circular and commitments with the CIC;
4. To pay full and timely charges of credit information service use as agreement in contract.
5. To appoint officers joining courses of training credit information which are organized or coordinated to organize by the CIC.
Article 16. Rights and obligations of borrowers
1. To use on free their credit information once in year, including credit information norms specified in points a, c, d and e clause 1 Article 7 this Circular.
2. To use other credit information products of themselves under guides of the CIC;
3. To request the CIC, credit institutions, other relevant organizations for consideration and adjustment of their credit information if detecting mistakes.
4. To complaint when detecting mistakes in their credit information as prescribed in Article 18 of this Circular.
5. Borrowers have obligation to supply fully and honestly credit information to the CIC or credit institutions or other relevant organizations during handling of their complaint.
6. To pay full and timely charges of credit information service use as prescribed by the CIC.
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Thông tư 03/2013/TT-NHNN (Bản Word)
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