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Chương I: Quy định chung
| Số hiệu: | 57/2024/TT-NHNN | Loại văn bản: | Thông tư |
| Nơi ban hành: | Ngân hàng Nhà nước | Người ký: | Đoàn Thái Sơn |
| Ngày ban hành: | 24/12/2024 | Ngày hiệu lực: | 24/12/2024 |
| Ngày công báo: | 08/01/2025 | Số công báo: | Từ số 29 đến số 30 |
| Lĩnh vực: | Tiền tệ - Ngân hàng | Tình trạng: | Còn hiệu lực |
TÓM TẮT VĂN BẢN
Hồ sơ đề nghị cấp Giấy phép đối với tổ chức tín dụng phi ngân hàng cổ phần
Ngày 21/12/2024, Thống đốc Ngân hàng Nhà nước Việt Nam ban hành Thông tư 57/2024/TT-NHNN quy định hồ sơ, thủ tục cấp Giấy phép lần đầu của tổ chức tín dụng phi ngân hàng.
Hồ sơ đề nghị cấp Giấy phép đối với tổ chức tín dụng phi ngân hàng cổ phần
Theo đó, hồ sơ đề nghị cấp Giấy phép đối với tổ chức tín dụng phi ngân hàng cổ phần như sau:
(1) Thành phần hồ sơ theo quy định tại Điều 11 Thông tư 57/2024.
(2) Danh sách các cổ đông sáng lập, cổ đông góp vốn thành lập theo mẫu quy định tại Phụ lục số 07 ban hành kèm theo Thông tư 57/2024.
(3) Hồ sơ của cổ đông góp vốn thành lập:
*Đối với cá nhân:
(i) Đơn mua cổ phần theo mẫu quy định tại Phụ lục số 08 ban hành kèm theo Thông tư 57/2024;
(ii) Bảng kê khai người có liên quan theo mẫu quy định tại Phụ lục số 10 ban hành kèm theo Thông tư 57/2024;
(iii) Ngoài các thành phần hồ sơ nêu trên, cổ đông sáng lập phải có thêm các văn bản sau:
- Sơ yếu lý lịch theo mẫu quy định tại Phụ lục số 06 ban hành kèm theo Thông tư 57/2024;
- Phiếu lý lịch tư pháp do cơ quan quản lý cơ sở dữ liệu lý lịch tư pháp cấp, trong đó phải có đầy đủ thông tin về tình trạng án tích và thông tin về việc cấm thành lập doanh nghiệp, hợp tác xã;
- Bảng kê khai thông tin về lịch sử quan hệ tín dụng của cá nhân theo mẫu quy định tại Phụ lục số 11 ban hành kèm theo Thông tư 57/2024;
- Báo cáo tài chính của doanh nghiệp mà cổ đông sáng lập là người quản lý trong ít nhất 03 (ba) năm liền kề trước năm nộp hồ sơ đề nghị cấp Giấy phép hoặc bản sao bằng đại học, trên đại học chuyên ngành tài chính, ngân hàng, kinh tế, quản trị kinh doanh, luật, kế toán, kiểm toán;
*Đối với tổ chức:
(i) Đơn mua cổ phần theo mẫu quy định tại Phụ lục số 09 ban hành kèm theo Thông tư 57/2024;
(ii) Bảng kê khai người có liên quan theo mẫu quy định tại Phụ lục số 10 ban hành kèm theo Thông tư 57/2024;
(iii) Văn bản ủy quyền người đại diện vốn góp tại tổ chức tín dụng phi ngân hàng theo quy định của pháp luật;
(iv) Điều lệ tổ chức và hoạt động;
(v) Báo cáo tài chính của năm liền kề trước năm nộp hồ sơ đề nghị cấp Giấy phép và báo cáo tài chính đến thời điểm gần nhất tính từ thời điểm nộp hồ sơ đề nghị cấp Giấy phép được kiểm toán bởi doanh nghiệp kiểm toán thuộc danh sách doanh nghiệp kiểm toán đủ điều kiện kinh doanh dịch vụ kiểm toán do cơ quan có thẩm quyền công bố và không có ý kiến ngoại trừ của đơn vị kiểm toán. Trường hợp tại thời điểm nộp hồ sơ đề nghị cấp Giấy phép chưa có báo cáo tài chính được kiểm toán thì nộp báo cáo tài chính chưa được kiểm toán và phải nộp báo cáo tài chính được kiểm toán ngay sau khi tổ chức kiểm toán phát hành báo cáo kiểm toán và phải chịu trách nhiệm về nội dung báo cáo tài chính đã nộp;
(vi) Ngoài các thành phần hồ sơ nêu trên, cổ đông sáng lập phải có thêm các văn bản sau:
- Sơ yếu lý lịch của người được cử đại diện phần vốn góp theo mẫu quy định tại Phụ lục số 06 ban hành kèm theo Thông tư 57/2024;
- Phiếu lý lịch tư pháp của người được cử đại diện phần vốn góp của tổ chức tại tổ chức tín dụng phi ngân hàng do cơ quan quản lý cơ sở dữ liệu lý lịch tư pháp cấp, trong đó phải có đầy đủ thông tin về tình trạng án tích;
- Bảng kê khai thông tin về lịch sử quan hệ tín dụng của tổ chức theo mẫu quy định tại Phụ lục số 12 ban hành kèm theo Thông tư 57/2024;
- Báo cáo tài chính trong 03 năm liền kề trước năm nộp hồ sơ đề nghị cấp Giấy phép đã được kiểm toán bởi doanh nghiệp kiểm toán thuộc danh sách doanh nghiệp kiểm toán đủ điều kiện kinh doanh dịch vụ kiểm toán do cơ quan có thẩm quyền công bố và không có ý kiến ngoại trừ của đơn vị kiểm toán. Trường hợp tại thời điểm nộp hồ sơ đề nghị cấp Giấy phép chưa có báo cáo tài chính của năm liền kề được kiểm toán thì nộp báo cáo tài chính chưa được kiểm toán và phải nộp báo cáo tài chính được kiểm toán ngay sau khi tổ chức kiểm toán phát hành báo cáo kiểm toán và phải chịu trách nhiệm về nội dung báo cáo tài chính đã nộp;
- Báo cáo khả năng tài chính tham gia góp vốn thành lập tổ chức tín dụng phi ngân hàng của tổ chức không phải là ngân hàng thương mại theo mẫu quy định tại Phụ lục số 13 ban hành kèm theo Thông tư 57/2024;
- Tài liệu chứng minh đáp ứng điều kiện về việc thực hiện nghĩa vụ thuế và bảo hiểm xã hội: Văn bản cam kết thực hiện đầy đủ các nghĩa vụ thuế, bảo hiểm xã hội của tổ chức theo Phụ lục số 14 ban hành kèm theo Thông tư 57/2024; Văn bản Xác nhận của cơ quan thuế về việc thực hiện nghĩa vụ thuế với ngân sách nhà nước; Văn bản của cơ quan bảo hiểm xã hội cung cấp thông tin về việc đóng bảo hiểm xã hội của tổ chức.
(4) Sau khi nhận được văn bản chấp thuận nguyên tắc, Ban trù bị phải nộp bổ sung các văn bản sau:
- Điều lệ của tổ chức tín dụng phi ngân hàng đã được Đại hội thành lập thông qua;
- Biên bản và Nghị quyết của Đại hội thành lập về việc thông qua Điều lệ, bầu các chức danh thành viên Hội đồng quản trị, thành viên Ban kiểm soát, quy định về tổ chức và hoạt động của Hội đồng quản trị, Ban kiểm soát;
- Biên bản họp Hội đồng quản trị về việc bầu chức danh Chủ tịch Hội đồng quản trị; Biên bản họp Ban kiểm soát về việc bầu chức danh Trưởng ban kiểm soát;
- Quyết định của Hội đồng quản trị về việc bổ nhiệm chức danh Tổng giám đốc (Giám đốc), Phó Tổng giám đốc (Phó giám đốc), Kế toán trưởng;
- Văn bản của một ngân hàng thương mại Việt Nam nơi Ban trù bị mở tài khoản góp vốn xác nhận số tiền góp vốn của các cổ đông góp vốn thành lập;
- Văn bản chứng minh quyền sở hữu hoặc quyền sử dụng hợp pháp địa điểm đặt trụ sở chính;
- Các quy định nội bộ về tổ chức và hoạt động của tổ chức tín dụng phi ngân hàng quy định tại điểm i(ii) khoản 3 Điều 11 Thông tư 57/2024 đã được Đại hội thành lập, Hội đồng quản trị thông qua;
- Báo cáo của cổ đông sáng lập là ngân hàng thương mại Việt Nam, doanh nghiệp Việt Nam về việc tuân thủ các quy định tại Nghị định của Chính phủ quy định điều kiện cấp Giấy phép đối với quỹ tín dụng nhân dân, tổ chức tài chính vi mô và điều kiện đối với chủ sở hữu của tổ chức tín dụng là công ty trách nhiệm hữu hạn một thành viên, cổ đông sáng lập, thành viên sáng lập từ thời điểm nộp hồ sơ đề nghị cấp Giấy phép đến thời điểm nộp hồ sơ bổ sung đề nghị cấp Giấy phép.
Xem chi tiết tại Thông tư 57/2024/TT-NHNN có hiệu lực từ ngày 24/12/2024.
Văn bản tiếng việt
Văn bản tiếng anh
Thông tư này quy định về hồ sơ, thủ tục cấp Giấy phép lần đầu của tổ chức tín dụng phi ngân hàng.
1. Công ty tài chính tổng hợp.
2. Công ty tài chính chuyên ngành.
3. Các tổ chức, cá nhân có liên quan đến việc cấp Giấy phép lần đầu của tổ chức tín dụng phi ngân hàng.
Trong Thông tư này, các từ ngữ dưới đây được hiểu như sau:
1. Tổ chức tín dụng nước ngoài tham gia góp vốn thành lập tổ chức tín dụng phi ngân hàng (sau đây gọi tắt là tổ chức tín dụng nước ngoài) bao gồm ngân hàng, công ty tài chính, tập đoàn tài chính.
2. Cổ đông góp vốn thành lập là cổ đông sở hữu ít nhất một cổ phần phổ thông của tổ chức tín dụng phi ngân hàng tại thời điểm thành lập.
3. Thành viên góp vốn là doanh nghiệp Việt Nam, ngân hàng thương mại Việt Nam, tổ chức tín dụng nước ngoài góp vốn vào tổ chức tín dụng phi ngân hàng trách nhiệm hữu hạn hai thành viên trở lên.
4. Hội nghị thành lập là hội nghị của các cổ đông sáng lập, các thành viên sáng lập và các thành viên góp vốn khác có nhiệm vụ:
a) Thông qua dự thảo Điều lệ của tổ chức tín dụng phi ngân hàng; Đề án thành lập tổ chức tín dụng phi ngân hàng; Danh sách dự kiến bầu, bổ nhiệm các chức danh Chủ tịch và thành viên Hội đồng quản trị, Hội đồng thành viên, Trưởng ban và thành viên Ban kiểm soát, Tổng giám đốc (Giám đốc) tổ chức tín dụng phi ngân hàng nhiệm kỳ đầu tiên;
b) Bầu Ban trù bị, Trưởng Ban trù bị;
c) Quyết định các vấn đề khác liên quan đến việc thành lập tổ chức tín dụng phi ngân hàng.
5. Ban trù bị là một nhóm người do các cổ đông sáng lập, thành viên sáng lập, chủ sở hữu lựa chọn làm đại diện theo ủy quyền, thay mặt các cổ đông sáng lập, thành viên sáng lập, chủ sở hữu triển khai các công việc liên quan đến việc đề nghị cấp Giấy phép. Ban trù bị phải có tối thiểu 02 thành viên trong đó có 01 thành viên là Trưởng ban.
6. Đại hội thành lập là đại hội của các cổ đông sáng lập, cổ đông góp vốn thành lập, thành viên sáng lập, thành viên góp vốn được tổ chức sau khi được Ngân hàng Nhà nước Việt Nam (sau đây gọi là Ngân hàng Nhà nước) chấp thuận nguyên tắc việc thành lập, có nhiệm vụ:
a) Thông qua Điều lệ của tổ chức tín dụng phi ngân hàng;
b) Bầu, bổ nhiệm các chức danh thành viên Hội đồng quản trị, Hội đồng thành viên, thành viên Ban kiểm soát nhiệm kỳ đầu tiên theo danh sách nhân sự dự kiến đã được Ngân hàng Nhà nước chấp thuận;
c) Thông qua quy định về tổ chức và hoạt động của Hội đồng quản trị, Hội đồng thành viên, Ban kiểm soát;
d) Quyết định các vấn đề khác liên quan đến việc thành lập tổ chức tín dụng phi ngân hàng.
7. Đơn vị đầu mối xử lý hồ sơ đề nghị cấp Giấy phép là đơn vị thuộc Ngân hàng Nhà nước, được giao nhiệm vụ cấp Giấy phép lần đầu của tổ chức tín dụng phi ngân hàng.
1. Tổ chức tín dụng phi ngân hàng được tổ chức dưới hình thức pháp lý theo quy định tại khoản 3, khoản 4 Điều 6 Luật Các tổ chức tín dụng.
2. Tổ chức tín dụng phi ngân hàng được tổ chức dưới hình thức pháp lý là công ty trách nhiệm hữu hạn hai thành viên trở lên do ngân hàng thương mại Việt Nam và doanh nghiệp Việt Nam góp vốn (trong đó một ngân hàng thương mại Việt Nam sở hữu ít nhất 30% tổng số vốn điều lệ của tổ chức tín dụng phi ngân hàng) hoặc các ngân hàng thương mại Việt Nam góp vốn, đảm bảo phù hợp với quy định tại khoản 1 Điều 77 Luật Các tổ chức tín dụng.
3. Tổ chức tín dụng phi ngân hàng liên doanh được tổ chức dưới hình thức công ty trách nhiệm hữu hạn hai thành viên trở lên, bằng vốn góp của bên Việt Nam (gồm một hoặc nhiều ngân hàng thương mại Việt Nam, doanh nghiệp Việt Nam) và bên nước ngoài (gồm một hoặc nhiều tổ chức tín dụng nước ngoài) trên cơ sở hợp đồng liên doanh, đảm bảo phù hợp với quy định tại khoản 1 Điều 77 Luật Các tổ chức tín dụng.
4. Tổ chức tín dụng phi ngân hàng 100% vốn nước ngoài được tổ chức dưới hình thức công ty trách nhiệm hữu hạn một thành viên do một tổ chức tín dụng nước ngoài làm chủ sở hữu hoặc công ty trách nhiệm hữu hạn hai thành viên trở lên do các tổ chức tín dụng nước ngoài góp vốn, đảm bảo phù hợp với quy định tại khoản 1 Điều 77 Luật Các tổ chức tín dụng.
Thời hạn hoạt động của tổ chức tín dụng phi ngân hàng được ghi trong Giấy phép, tối đa không quá 50 năm.
|
THE STATE BANK OF VIETNAM |
THE SOCIALIST REPUBLIC OF VIET NAM |
|
No. 57/2024/TT-NHNN |
Hanoi, December 24, 2024 |
CIRCULAR
PRESCRIBING APPLICATION AND PROCEDURES FOR INITIAL ISSUANCE OF LICENSES TO NON-BANK CREDIT INSTITUTIONS
Pursuant to the Law on the State Bank of Vietnam dated June 16, 2010;
Pursuant to the Law on Credit Institutions dated January 18, 2024;
Pursuant to the Government's Decree No. 102/2022/ND-CP dated December 12, 2022 prescribing functions, tasks, powers and organizational structure of the State Bank of Vietnam (SBV);
Pursuant to the Government’s Decree No. 162/2024/ND-CP dated December 20, 2024 providing licensing requirements for people’s credit funds, microfinance institutions and eligibility requirements for owners of credit institutions that are single-member limited liability companies, founding shareholders and founding members;
At the request of the Head of the SBV Banking Supervision Agency;
The Governor of the State Bank of Vietnam promulgates a Circular prescribing application and procedures for initial issuance of licenses to non-bank credit institutions.
Chapter I
GENERAL PROVISIONS
Article 1. Scope
This Circular provides regulations on application and procedures for initial issuance of licenses to non-bank credit institutions.
Article 2. Regulated entities
1. General finance companies.
2. Specialized finance companies.
3. Organizations and individuals involved in the initial issuance of licenses to non-bank credit institutions.
Article 3. Definitions
For the purposes of this Circular, the terms used herein are construed as follows:
1. “foreign credit institution” making capital contribution to a non-bank credit institution means a bank, finance company or finance corporation.
2. “capital-contributing shareholder” means a shareholder that holds at least 01 ordinary share of a non-bank credit institution upon its establishment.
3. “capital-contributing member” means any Vietnamese enterprise, Vietnamese commercial bank or foreign credit institution that makes capital contributions to a multi-member limited liability non-bank credit institution.
4. “founding meeting” means a meeting of founding shareholders, founding members and other capital-contributing members that:
a) Ratify the draft charter of the non-bank credit institution, scheme on establishment of the non-bank credit institution, list of persons to be elected or appointed to act as Chairperson and members of the Board of Directors, those of the Board of Members, head and members of the Control Board, and General Director (Director) of the non-bank credit institution for the first term of office;
b) Elect preparatory board and its head;
c) Decide other matters relevant to the establishment of a non-bank credit institution.
5. “preparatory board” means a group of persons who are selected by founding shareholders, founding members, or owner to act as their authorized representative performing tasks relating to the application for license on their behalf. A preparatory board must be comprised of at least 02 members one of which will act as the board’s head.
6. “founding general meeting” means a general meeting of founding shareholders, capital-contributing shareholders, founding members and capital-contributing members that is held after the State Bank of Vietnam (hereinafter referred to as “SBV”) approves the principles of establishment to:
a) Ratify charter of the non-bank credit institution;
b) Elect of appoint members of the Board of Directors, the Board of Members and the Control Board for the first term of office according to the list of proposed personnel approved by SBV;
c) Ratify regulations on organization and operation of the Board of Directors, Board of Members and Control Board;
d) Decide other matters relevant to the establishment of the non-bank credit institution.
7. “unit in charge of processing applications for license” means a SBV’s affiliated unit tasked with processing applications for initial issuance of license of non-bank credit institutions.
Article 4. Legal forms of non-bank credit institutions
1. Non-bank credit institutions are organized in the legal forms specified in clauses 3 and 4 Article 6 of the Law on Credit Institutions.
2. A non-bank credit institution may be organized in the legal form of a multi-member limited liability company whose capital is contributed by Vietnamese commercial banks and Vietnamese enterprises (in which a Vietnamese commercial bank must own at least 30% of its total charter capital) or by Vietnamese commercial banks only, provided that provisions of clause 1 Article 77 of the Law on Credit Institutions are complied with.
3. A joint-venture non-bank credit institution may be organized in the form of a multi-member limited liability company with capital contributed by a Vietnamese party (including one or more Vietnamese commercial banks and Vietnamese enterprises) and a foreign party (including one or more foreign credit institutions) on the basis of a joint venture agreement, provided that provisions of clause 1 Article 77 of the Law on Credit Institutions are complied with.
4. A wholly foreign-owned non-bank credit institution may be organized in the form of a single-member limited liability company owned by a single foreign credit institution or in the form of a multi-member limited liability company whose capital is contributed by foreign credit institutions, provided that provisions of clause 1 Article 77 of the Law on Credit Institutions are complied with.
Article 5. Operating duration
The operating duration of a non-bank credit institution is specified in its license and shall not exceed 50 years.
Chapter II
PROVISIONS ON LICENSING
Article 6. License
1. SBV stipulates banking and other business operations specified in the license issued to each non-bank credit institution according to the license form in Appendix 01, 02, 03 or 04 enclosed herewith corresponding to each form of non-bank credit institutions.
2. If its license was lost, torn, burned or otherwise destroyed, the non-bank credit institution shall prepare and submit a written request clearly stating reasons therefor by post or directly to the SBV’s head office (via its Single-window Section) for issuance of a duplicate of the license from the master register in accordance with regulations of law.
Within 05 working days from its receipt of the written request, SBV shall consider issue a duplicate license from the master register to the non-bank credit institution.
Article 7. Licensing procedures
1. The preparatory board shall prepare an application for the license as prescribed in Article 10, Article 11, Clauses 1, 2, 3 Article 12, Clauses 1, 2, 3, 4, 5, 6, 7 Article 13 of this Circular, and send it by post or directly to the SBV’s head office (via its Single-window Section).
Within 60 working days from its receipt of the application, SBV shall provide the preparatory board with a written confirmation of receipt of adequate and valid application for further consideration and grant of approval in principle or, in the case the submitted application is inadequate or invalid, request the preparatory board in writing to modify its application.
2. Within 90 days from the date on which it gives a written confirmation of receipt of an adequate and valid application, SBV shall grant a written approval in principle of the establishment to the non-bank credit institution. If an application is refused, SBV shall give a written response indicating reasons for its refusal to the preparatory board.
3. Within 60 days from its receipt of a written approval in principle of the establishment of the non-bank credit institution, the preparatory board shall prepare additional documents as prescribed in Clause 4 Article 12, Clause 8 Article 13 hereof, and send them by post or directly to the SBV’s head office (via its Single-window Section). Over the said time limit, if SBV does not receive or inadequately receives the required documents, the given approval in principle will automatically become null and void.
Within 05 working days from its receipt of adequate documents as required, SBV shall give a written confirmation of receipt of adequate documents to the preparatory board.
4. Within 30 days from its receipt of adequate documents as required, SBV shall issue a License as prescribed. If SBV refuses to issue the requested License, a written response indicating reasons for its refusal shall be given to the preparatory board.
Article 8. Licensing fees
1. Within 15 days from the date on which it is issued with a License, the non-bank credit institution shall pay the required licensing fee at SBV (SBV Operations Center) or online via the National public service portal.
2. Licensing fees shall be paid in accordance with regulations of the Law on fees and charges.
Article 9. Requirements regarding total assets and financial status to be satisfied by foreign credit institutions when applying for License
When applying for a License, a foreign credit institution that is a founding member or owner of the non-bank credit institution to be establish must meet the following requirements regarding its total assets and financial status:
1. It has maintained a minimum of total assets equivalent to at least USD 10 billion at the end of the year preceding the year in which an application for License is submitted and by the time of submission of additional documents to serve the application processing;
2. It has maintained a profitable business in the last 03 consecutive years preceding the year in which an application for License is submitted and by the time of submission of additional documents to serve the application processing.
Article 10. Application preparation principles
1. Documents included in an application for License must be signed by the head of the preparatory board, and the documents prepared according to the Appendixes enclosed herewith are originals while other documents may be certified true copies, unless otherwise prescribed herein. Heading of any document signed by the preparatory board’s head shall contain the phrase “Preparatory Board for establishment of [planned name of the non-bank credit institution]”.
2. An application for License of a domestic non-bank credit institution shall include 01 set of original documents prepared in Vietnamese, unless otherwise prescribed herein.
3. An application for License of a joint-venture non-bank credit institution or a wholly foreign-owned non-bank credit institution shall include 02 sets (one prepared in Vietnamese and the other prepared in English), unless otherwise prescribed herein. To be specific:
a) The set of application documents in English must bear consular legalization as prescribed by law, except the following documents:
(i) The documents sent by competent authorities of the country where the foreign credit institution is headquartered directly to SBV;
(ii) Financial statements directly prepared in English;
(iii) Other documents exempted from the consular legalization requirement as prescribed by the law on consular legalization.
b) The translator’s signature appearing on translations from English into Vietnamese must be certified in accordance with Vietnam’s regulations on certification, except the documents specified in point c of this clause;
c) Translations of financial statements must be certified by licensed translation service providers as prescribed by law;
d) Original documents in Vietnamese (or their copies) which are made in Vietnam must not be translated into English.
4. If any document is a copy other than a certified true copy or a copy made from its master register, its original must be presented for verification purpose. The official in charge of verification shall assume responsibility for the accuracy of the copy compared to its original.
5. Each set of application must include a list of documents.
Article 11. General application for License
A general application for License includes:
1. An application form for License which is made using the form in Appendix No. 05 enclosed herewith and signed by founding shareholders, owner or founding members.
2. The draft charter of the non-bank credit institution.
3. The scheme on establishment of the non-bank credit institution (except the case prescribed in Clause 4 of this Article) which shall, inter alia, include:
a) The necessity of establishment;
b) Name and business form of the non-bank credit institution to be established, name of province or city where it is to be headquartered, operating duration, charter capital upon establishment, business lines and its capacity to meet requirements for banking operations corresponding to the planned form of the non-bank credit institution as prescribed by law;
c) Financial capacity of founding shareholders, capital-contributing shareholders, owner, founding members and capital-contributing members;
d) Planned organizational chart and business network for the first 03 years;
dd) The proposed personnel list, containing detailed description of qualifications and working experience in finance, banking, economics, business administration, law, accounting and auditing meeting requirements of each of the persons holding the following positions or titles:
(i) Chairperson, members and independent members of the Board of Directors or the Board of Members; heads of committees affiliated to the Board of Directors or the Board of Members;
(ii) Head and members of the Control Board;
(iii) General Director (Director), Deputy General Directors (Deputy Directors), Chief Accountant and heads of departments or divisions within the non-bank credit institution’s organizational chart.
e) Risk management policies: Identification, measurement, prevention, management and control of credit risk, operational risk, market risk, liquidity risk and other risks incurred during operation;
g) Information technology (IT):
(i) Planned funding for investing in IT;
(ii) IT system which must meet business administration and risk management requirements and comply with the SBV’s regulations;
(iii) Description of ability to apply IT which clearly indicates the duration of technology investment; types of technologies to be applied; proposed employees and their capacity to meet IT application requirements; capacity for integrating and connecting with SBV’s management system for providing information to meet the SBV’s management requirements;
(iv) Documents on IT infrastructure serving the non-bank credit institution’s operation;
(v) Solutions for ensuring safety and confidentiality corresponding to services to be provided; solutions for ensuring uninterrupted operation of IT system;
(vi) Identification, measurement and implementation of plan for management of risks to technologies to be applied in operation of the non-bank credit institution;
(vii) Planned assignment of responsibility to report and control operation of the IT system;
h) Sustainable development capacity:
(i) Market analysis and assessment, including actual situation, challenges and prospects;
(ii) Capacity for participation and competition in the market, including proved benefits of market participation;
(iii) Strategies for development and expansion of business network and banking operations, expected types of customers, including detailed analysis of satisfaction of conditions when engaging in conditional business lines;
i) Internal control and audit systems:
(i) Operating rules and requirements of the internal control system;
(ii) Draft internal regulations on organization and operation of the non-bank credit institution, which inter alia include the internal regulations set forth in Clause 2 Article 101 of the Law on Credit Institutions and the following: Regulations on organization and operation of the Board of Directors, Board of Members, Control Board and executives; regulations on organization and operation of the headquarters, branches and other affiliated units;
(iii) Internal audit contents and procedures;
k) The business plan for the first 03 years, which inter alia includes the following contents: Market analysis, and business strategies, objectives and plans; expected financial statements of each year (including balance sheet, income statement, cash flow statement, minimum capital adequacy ratios, business performance indicators and description of capacity to achieve financial indicators in each year).
4. The scheme on establishment of the non-bank credit institution which has been approved by the owner and includes the contents specified in Clause 3 of this Article (except the contents in Points a and c) in case the owner is a commercial bank that is subject to and required to establish a non-bank credit institution to implement the approved mandatory transfer plan.
5. Documentary evidences of competency of management, control and executive boards:
a) CVs made using the form in the Appendix No. 06 enclosed herewith;
b) Criminal records:
(i) In case the proposed person holds Vietnamese nationality, his/her criminal record must be issued by the agency managing criminal record database and contain sufficient information about all criminal records (regardless of whether they have been expunged or not) and information on prohibition from holding certain positions, incorporation and management of enterprises and cooperatives;
(ii) In case the proposed personnel does not hold Vietnamese nationality, his/her criminal record or another document of equivalent validity (which contains sufficient information about criminal records and information on prohibition from holding certain positions, incorporation and management of enterprises and cooperatives) must be issued by a Vietnamese competent authority or foreign competent authority as prescribed. In case the criminal record or another document of equivalent validity issued by a foreign competent authority does not contain information on the prohibition from holding certain positions, incorporation and management of enterprises and cooperatives, the preparatory board shall give a written explanation that there is no competent authority in the country issuing the criminal record or another document of equivalent validity which contains the required information and give a written commitment to ensure that the personnel to be appointed to the management, control and executive boards is not prohibited from holding certain positions, incorporation and management of enterprises and cooperatives in accordance with regulations of the Law on Credit Institutions;
(iii) Any criminal record or another document of equivalent validity specified in point b(i) or b(ii) must be issued by a competent authority no more than 06 months before the date on which the non-bank credit institution submits an application for License;
c) Qualifications proving professional competence;
d) Other documentary evidences of the fulfillment of eligibility requirements and standards as prescribed in the Law on Credit Institutions and other relevant laws;
dd) If a person to be appointed to act as a member of the Board of Directors, Board of Members, head of the Control Board or General Director (Director) does not hold Vietnamese nationality, in addition to the abovementioned documents, written commitment on his/her eligibility to stay and work in Vietnam must be submitted.
6. The minutes of the founding meeting of founding shareholders or founding members or the owner’s document indicating appointment of members of the preparatory board, the preparatory board’s head, and ratifying the draft charter, the scheme on establishment of the non-bank credit institution, and approving the list of persons to be appointed to management, control and executive boards, and to act as members and head of the preparatory board.
Article 12. Application for License for joint-stock non-bank credit institution
An application for License for a joint-stock non-bank credit institution includes:
1. The documents specified in Article 11 of this Circular.
2. The list of founding shareholders and capital-contributing shareholders made using the form in Appendix No. 07 enclosed herewith.
3. Documents of capital-contributing shareholders:
a) For an individual:
(i) The request for purchase of shares made using the form in Appendix No. 08 enclosed herewith;
(ii) The statement of his/her related persons made using the form in Appendix No. 10 enclosed herewith;
(iii) In addition to the abovementioned documents, a founding shareholder has to submit the following documents:
- A CV made using the form in the Appendix No. 06 enclosed herewith;
- A criminal record which is issued by the agency managing criminal record database and contains adequate information about criminal records and information on prohibition from incorporation of enterprises and cooperatives;
- The statement of personal credit relationships made using the form in Appendix 11 enclosed herewith;
- Financial statements of the enterprise in which the founding shareholder has acted as a manager for at least 03 (three) consecutive years preceding the year in which an application for License is submitted, or a copy of bachelor’s degree or postgraduate degree in finance, banking, economics, business administration, law, accounting or auditing;
b) For an organization:
(i) The request for purchase of shares made using the form in Appendix No. 09 enclosed herewith;
(ii) The statement of its related persons made using the form in Appendix No. 10 enclosed herewith;
(iii) The power of attorney giving authorization to a person representing its capital contributed to the non-bank credit institution as prescribed by law;
(iv) Its charter on organization and operation;
(v) Its financial statements of the year preceding the year of application submission and financial statements covering the period by the time of application submission which have been audited by audit organizations included in the list of qualified audit organizations announced by a competent authority, and given no qualified opinion. If audited financial statements are not yet available at the time of application submission, the organization shall submit its unaudited financial statements and assume responsibility for contents thereof, and must submit the audited ones immediately after the auditor's report is given;
(vi) In addition to the abovementioned documents, a founding shareholder has to submit the following documents:
- A CV of the person authorized to represent its contributed capital which is made using the form in the Appendix No. 06 enclosed herewith;
- A criminal record of the person authorized to represent its capital contributed to the non-bank credit institution which is issued by the agency managing criminal record database and contains sufficient information about all criminal records;
- The statement of its credit relationships made using the form in Appendix 12 enclosed herewith;
- Its financial statements of the last 03 years preceding the year of application submission which have been audited by audit organizations included in the list of qualified audit organizations announced by a competent authority, and given no qualified opinion. If audited financial statements of the previous year are not yet available at the time of application submission, the organization shall submit its unaudited financial statements and assume responsibility for contents thereof, and must submit the audited ones immediately after the auditor's report is given;
- The report on financial capacity to make capital contribution to the non-bank credit institution of the organization that is not a commercial bank, made using the form in Appendix No. 13 enclosed herewith;
- Documents proving its fulfillment of tax and social insurance obligations: written commitment to fulfill tax and social insurance obligations which is made by the organization according to Appendix 14 enclosed herewith; the tax authority’s certification of fulfillment of tax obligations towards state budget; the social insurance agency’s document indicating information on the organization’s social insurance contributions.
4. Upon its receipt of a written approval in principle, the preparatory board must submit the following additional documents:
a) The charter of the non-bank credit institution ratified by the founding general meeting;
b) The minutes and resolution of the founding general meeting giving approval for the charter and appointment of members of the Board of Directors, Control Board, and regulations on organization and operation of the Board of Directors, Control Board;
c) The minutes of the meeting of the Board of Directors on appointment of the Chairperson of the Board of Directors; the minutes of the meeting of the Control Board on appointment of the head of the Control Board;
d) Decisions of the Board of Directors on appointment of General Director (Director), Deputy General Directors (Deputy Directors), and Chief Accountant;
dd) Written confirmation of capital amount contributed by capital-contributing shareholders which is given by a Vietnamese commercial bank where the preparatory board opens an account for receiving capital contributions;
e) Documents proving the lawful ownership or right to use the premises of its headquarters;
g) Internal regulations on organization and operation of the non-bank credit institution prescribed in Point i(ii) Clause 3 Article 11 hereof, which have been ratified by the founding general meeting, Board of Directors;
h) Reports of founding shareholders that are Vietnamese commercial banks or Vietnamese enterprises on their compliance with provisions of the Government's Decree on licensing requirements for people’s credit funds, microfinance institutions and eligibility requirements for owners of credit institutions that are single-member limited liability companies, founding shareholders and founding members for the period starting from the time of submission of the application for License to the time of submission of additional documents serving the application processing.
Article 13. Application for License for limited liability non-bank credit institution
An application for License for a limited liability non-bank credit institution includes:
1. The documents specified in Article 11 of this Circular.
2. The list of founding members and capital-contributing members made using the form in Appendix No. 07 enclosed herewith.
3. The joint venture agreement which includes adequate contents as required by law and the following:
a) Name and address of the joint-venture non-bank credit institution;
b) Names and addresses of the parties of the joint venture and their legal representatives;
c) Operating duration of the joint venture;
d) Charter capital, percentage and amount of capital contributed by each party, method and progress of contribution of charter capital;
dd) Rights and obligations of parties of the joint venture;
e) Number and ratio of members of the Board of Members, Control Board and Board of Directors appointed by each party of the joint venture;
g) Planned departments/divisions and employees for initial period of each party (number of employees holding Vietnamese nationality and those holding foreign nationality);
h) Principles for accounting, reporting, establishing and using funds; distributing profits and handling business losses;
i) Procedures for solving disputes arising between the parties during the performance of the joint venture agreement, procedures for liquidation, dissolution, merge and consolidation of the joint-venture non-bank credit institution;
k) Conditions for amending the joint venture agreement;
Lawful representatives of the parties of the joint venture must initial each page of the joint venture agreement and duly sign on its last page.
4. The agreement on capital contribution made between founding members of the limited liability non-bank credit institution.
5. Documents of the owner or founding member that is a Vietnamese commercial bank or Vietnamese enterprise (except the owner prescribed in clause 6 of this Article):
a) The documents prescribed in Point b(vi) Clause 3 Article 12 hereof, excluding the request for purchase of shares;
b) Reports on the process of establishment, operation and development orientations of the owner or founding member by the time of application submission.
6. Documents of the owner that is a commercial bank subject to mandatory transfer and establishes a non-bank credit institution to implement the approved mandatory transfer plan:
a) The power of attorney giving authorization to a person representing Vietnamese commercial bank’s capital contributed to the non-bank credit institution as prescribed by law;
b) Documents proving its fulfillment of tax and social insurance obligations: written commitment to fulfill tax and social insurance obligations which is made by the bank according to Appendix 14 enclosed herewith; the tax authority’s certification of fulfillment of tax obligations towards state budget; the social insurance agency’s document indicating information on the bank's social insurance contributions.
c) CVs which are made using the form in Appendix No. 06 enclosed herewith and criminal records of legal representative and person authorized to represent Vietnamese commercial bank’s capital contributed to the non-bank credit institution which are issued by the agency managing criminal record database and contain sufficient information about all criminal records and information on prohibition from incorporation of enterprises.
7. Documents of the owner or founding member that is a foreign credit institution:
a) The documents prescribed in points b(iii), b(iv), b(v) clause 3 Article 12 hereof and the following:
(i) A CV of the person authorized to represent its contributed capital which is made using the form in the Appendix No. 06 enclosed herewith;
(ii) A criminal record of the person authorized to represent its capital contributed to the non-bank credit institution which is issued by the agency managing criminal record database and contains sufficient information about all criminal records. In case the criminal record or another document of equivalent validity issued by a foreign competent authority does not contain information on the prohibition from holding certain positions, incorporation and management of enterprises, the preparatory board shall give a written explanation that there is no competent authority in the country issuing the criminal record or another document of equivalent validity which contains the required information and give a written commitment to ensure that the proposed person is not prohibited from holding certain positions, incorporation and management of enterprises in accordance with regulations of the Law on Credit Institutions;
(iii) The statement of its credit relationships made using the form in Appendix 12 enclosed herewith;
(iv) The financial statements of the foreign credit institution of the last 03 years preceding the year of application submission which have been audited and given no qualified opinion. If audited financial statements of the previous year are not yet available at the time of application submission, the foreign credit institution shall submit its unaudited financial statements and assume responsibility for contents thereof, and must submit the audited ones immediately after the auditor's report is given;
(v) Reports on the process of establishment, operation and development orientations of the owner or founding member by the time of application submission;
b) The written approval given by a competent authority of the country where the foreign credit institution is headquartered for its establishment of a joint venture non-bank credit institution or wholly foreign-owned non-bank credit institution in Vietnam. If no authority of the country where the foreign credit institution is headquartered is competent to issue this document according to its domestic legislation, written certifications given by competent authorities of the country where the foreign credit institution is headquartered or legislative documents of the country where the foreign credit institution is headquartered stipulating this matter which bear the consular legalization, are translated into Vietnamese and certified in accordance with regulations of law shall be submitted;
c) The document given by a competent authority of the country where the foreign credit institution is headquartered to provide the following information about the foreign credit institution:
(i) Its business lines licensed at the country where the foreign credit institution is headquartered at the time of application submission;
(ii) Its compliance with the law on banking operations and relevant laws within the last 05 years preceding the year of application submission and by the time of application submission;
(iii) Its capital adequacy ratio and other prudential ratios as prescribed by the country where the foreign credit institution is headquartered in the year preceding the year of application submission and by the time of application submission;
(iv) Its compliance with regulations of the country where the foreign credit institution is headquartered on risk management and establishment of required provisions in the year preceding the year of application submission and by the time of application submission;
d) The credit rating report or document issued by an international credit rating agency (indicating the credit rating and its outlook) to the foreign credit institution within 06 months prior to the time of application submission;
dd) The written commitment given by a competent authority of the country where the foreign credit institution is headquartered to ensure the consistent supervision of operations of the foreign credit institution in accordance with international practices;
e) The written commitments given by the owner and founding members to:
(i) provide assistance in finance, technologies, administration, management and operation to the joint-venture non-bank credit institution or the wholly foreign-owned non-bank credit institution;
(ii) ensure that the actual value of charter capital of the limited liability non-bank credit institution shall not be smaller than the legal capital, and fully comply with regulations on operational safety adopted by the SBV’s Governor.
8. Upon its receipt of a written approval in principle, the preparatory board must submit the following additional documents:
a) The charter of the non-bank credit institution ratified by the Board of Members;
b) A written confirmation of capital amounts contributed by the owner or founding members, given by a Vietnamese commercial bank where the preparatory board opens an account for receiving contributed capital;
c) Documents proving the lawful ownership or right to use the premises of its headquarters;
d) Internal regulations on organization and operation of the non-bank credit institution prescribed in Point i(ii) Clause 3 Article 11 hereof, which have been ratified by the Board of Members;
dd) Reports of Vietnamese commercial banks or Vietnamese enterprises or the commercial bank that establishes the non-bank credit institution to implement the approved mandatory transfer plan on their compliance with provisions of the Government's Decree on licensing requirements for people’s credit funds, microfinance institutions and eligibility requirements for owners of credit institutions that are single-member limited liability companies, founding shareholders and founding members for the period starting from the time of submission of the application for License to the time of submission of additional documents serving the application processing;
e) The written assessment, given by a competent authority of the country where the foreign credit institution is headquartered, of the foreign credit institution’s compliance with provisions on owners and founding members set out in the Government's Decree on licensing requirements for people’s credit funds, microfinance institutions and eligibility requirements for owners of credit institutions that are single-member limited liability companies, founding shareholders and founding members for the period starting from the time of submission of the application for License to the time of submission of additional documents serving the application processing;
g) In addition to the documents prescribed in Point a, b, c, d, dd, e of this Clause, the preparatory board of a single-member limited liability non-bank credit institution shall submit the following additional documents:
(i) The owner’s decision on appointment of Chairperson and members of the Board of Members, members of the Control Board, General Director (Director), Deputy General Director (Deputy Director), and Chief accountant;
(ii) The minutes of meeting of the Control Board on appointment of its head;
h) In addition to the documents prescribed in Point a, b, c, d, dd, e of this Clause, the preparatory board of a multiple-member limited liability non-bank credit institution shall submit the following additional documents:
(i) The minutes and resolution of the founding general meeting giving approval for the charter and election or appointment of members of the Board of Members, Control Board, and regulations on organization and operation of the Board of Members, Control Board;
(ii) The minutes of the meeting of the Board of Members on appointment of its Chairperson; the minutes of the meeting of the Control Board on appointment of its head;
(iii) Decision of the Board of Members on appointment of General Director (Director), Deputy General Directors (Deputy Directors), and Chief Accountant.
Chapter III
RESPONSIBILITIES OF RELEVANT UNITS
Article 14. Responsibilities of SBV’s affiliated units
1. The unit in charge of processing applications for License shall:
a) Act as a focal point in charge of receiving and cooperating with relevant affiliated units of SBV, SBV’s branches of province or city where the non-bank credit institution is to be headquartered (hereinafter referred to as “SBV’s provincial branches) in appraising applications for initial issuance of License; requesting the SBV’s Governor to send written request for opinions of the People’s Committee of the province or city where the non-bank credit institution is to be headquartered and the Ministry of Public Security (if necessary); requesting the SBV’s Governor to grant or refuse to grant approval in principle of the establishment of the non-bank credit institution; requesting the SBV’s Governor to issue or refuse to issue License to the non-bank credit institution;
b) Within 05 working days from the day on which a License is issued by the SBV's Governor, the unit in charge of processing applications for License shall send a written notice, accompanied with the issued License, information on the legal representative of the non-bank credit institution to the business registration authority of province or city where the non-bank credit institution is headquartered for updating the National Enterprise Registration Information System.
2. Each SBV’s provincial branch shall:
a) Carry out appraisal of the application for License and give a written response to the unit in charge of processing applications for License within 30 days from its receipt of a written request from the latter;
b) Receive notices submitted by non-bank credit institutions as prescribed in clause 2 Article 34 of the Law on Credit Institutions; direct and supervise non-bank credit institutions’ compliance with and satisfaction of requirements according to regulations of law and SBV’s regulations; suspend the inauguration of the non-bank credit institution that fails to meet the requirements set out in clause 2 Article 34 of the Law on Credit Institutions.
3. Other SBV’s affiliated units:
Other relevant SBV’s affiliated units shall cooperate in issuing Licenses as prescribed.
Article 15. Responsibilities of relevant organizations and individuals
Any organization or individual involved in an application for License of a non-bank credit institution shall adequately, accurately and promptly provide information at the request of SBV and/or the preparatory board in accordance with provisions of this Circular, and assume legal responsibility for their provided information.
Chapter IV
IMPLEMENTATION
Article 16. Effect
This Circular comes into force from December 24, 2024.
Article 17. Implementation organization
Heads of the SBV’s affiliated units, non-bank credit institutions and relevant organizations and individuals are responsible for the implementation of this Circular./.
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