Chương II Thông tư 15/2023/TT-NHNN: Hoạt động thông tin tín dụng

Chapter II

CREDIT INFORMATION-RELATED ACTIVITIES

Article 8. Information collection

CIC is allowed to collect:

1. Credit information provided by credit institutions and voluntary organizations according to this Circular.

2. Information from units of SBV according to the regulations of SBV and other relevant laws.

3. Information from state management authorities and other legal sources of information as prescribed by laws.

Article 9. Credit information provided for CIC

1. Credit institutions shall provide all of the information from the system of credit information categories in each period for CIC under decisions of the Governor of SBV. Credit information categories include:

a) Information on the identification of borrowers;

b) Information on related persons of borrowers (to whom credit is extended by credit institutions capable of credit extension);

c) Information on loans and other credit extension operations (excluding the groups of categories prescribed in Points d and dd);

d) Information on credit cards;

d) Information on purchase and authorized purchase of corporate bonds (excluding credit institutions);

e) Information on measures to guarantee credit extension;

g) Information on the handling of bad debts on the balance sheet;

h) Information on the off-balance sheet;

i) Annual financial statement (according to the financial statement submitted to the tax authority or the audited financial statement) of the borrower that is an enterprise.

2. Voluntary organizations shall provide all or part of the information from the system of credit information categories for CIC as prescribed in Clause 1 of this Article based on information exchange contracts with CIC.

3. The provision of credit information prescribed in Clause 1 and Clause 2 of this Article shall be carried out in the form of electronic data files according to the system of credit information categories.  In case several or all of the groups of credit information categories are unable to provide information in the form of electronic data files, credit institutions and voluntary organizations may provide information in writing based on agreements with CIC.

Article 10. Frequency of provision of credit information

The frequency of provision of the information in the categories prescribed in Clause 1 Article 9 of this Circular is as follows:

1. Credit institutions shall provide information with the frequency prescribed in the system of credit information categories enclosed with decisions of the Governor of the SBV, excluding regulations prescribed in Clause 2 and Clause 3 of this Article. 

2. The Vietnam Bank for Social Policies shall provide credit information twice a month.

3. The People’s Credit Fund and microfinance institutions shall provide credit information once a month.

Article 11. Credit information processing and retention

1. CIC shall use technological and technical measures concerning receipt, standardization, data cleansing, pairing, and update to handle credit information of the National Credit Information Database.

2. Credit information shall be retained at CIC for at least 5 years from its date of occurrence.

3. Credit information processing and retention shall ensure the integrity, adequacy, and accuracy of the information, enabling the utilization and extraction of such information according to CIC's needs.

Article 12. Eligible recipients of credit information and scope thereof

1. Units of SBV may be provided with credit information products to serve the state management requirements of SBV.

2. Other state management authorities may be provided with credit information according to laws.

3. Credit institutions and voluntary organizations may be provided with credit information services based on contracts concluded with CIC.

4. Borrowers may be provided with their credit information according to the guidelines of CIC.

5. Foreign credit information organizations may be provided with and utilize and exchange credit information products concerning borrowers based on memorandums of understanding, cooperation agreements, and contracts concluded with CIC in conformity with relevant Vietnamese laws and laws of countries where such organizations are established and operated.

6. Aside from the subjects mentioned above, any organization utilizing credit information services concerning borrowers shall gain the consensus of such borrowers according to relevant laws and shall comply with agreement contracts with CIC. Borrowers' consensus shall be displayed in a format that can be printed and copied in writing, including electronic forms or verifiable formats.

Article 13. Credit information provision restrictions  

1. Negative information on borrowers shall only be provided for up to 5 years from the ending date of such information, excluding other cases where the provision of such information is requested by state management authorities as prescribed by laws.

2. Voluntary organizations may only be provided with credit information services corresponding to the scope of information that they provide for CIC under information exchange contracts.

3. Organizations and individuals violating Articles 5, 6, and 7 of this Circular and other laws shall be suspended from utilizing credit information services based on agreement contracts with CIC.