- Decision No.20/2008/QĂNHNN dated July 4, 2008 on the amendment to the Regulation on shareholders, shares, stocks and charter capital of the State and nonstate jointstock commercial banks issued together with Decision
HOAƠT ĂÖƠNG THANH TRA GIAÂM SAÂT
GIAÂM SAÂT
Nùm 2008, NHNN ăaô tiïịn hađnh thanh tra, kiïím tra ăöịi vúâi caâc TCTD. Bïn caơnh hoaơt ăöơng thanh tra trûơc tiïịp, Thanh tra Ngín hađng ăaô tûđng bûúâc ăöíi múâi phûúng phaâp thanh tra giaâm saât thöng qua viïơc töí chûâc caâc buöíi lađm viïơc vúâi Ban laônh ăaơo caâc TCTD nhùìm nùưm bùưt kõp thúđi diïîn biïịn, tònh hònh hoaơt ăöơng cuêa caâc TCTD. Trong nùm ăaô triïín khai caâc ăúơt thanh tra diïơn röơng ăöơt xuíịt vïì cho vay ăíìu tû, kinh doanh chûâng khoaân; cho vay ăíìu tû, kinh doanh bíịt ăöơng saên; cho vay tiïu duđng; thanh tra chíịt lûúơng hoaơt ăöơng tñn duơng taơi caâc TCTD; rađ soaât, thanh tra, kiïím tra viïơc thûơc hiïơn quy ắnh cuêa NHNN vïì laôi suíịt.
Nùm 2008, NHNN ăaô tiïịn hađnh thanh tra, kiïím tra ăöịi vúâi caâc TCTD. Bïn caơnh hoaơt ăöơng thanh tra trûơc tiïịp, Thanh tra Ngín hađng ăaô tûđng bûúâc ăöíi múâi phûúng phaâp thanh tra giaâm saât thöng qua viïơc töí chûâc caâc buöíi lađm viïơc vúâi Ban laônh ăaơo caâc TCTD nhùìm nùưm bùưt kõp thúđi diïîn biïịn, tònh hònh hoaơt ăöơng cuêa caâc TCTD. Trong nùm ăaô triïín khai caâc ăúơt thanh tra diïơn röơng ăöơt xuíịt vïì cho vay ăíìu tû, kinh doanh chûâng khoaân; cho vay ăíìu tû, kinh doanh bíịt ăöơng saên; cho vay tiïu duđng; thanh tra chíịt lûúơng hoaơt ăöơng tñn duơng taơi caâc TCTD; rađ soaât, thanh tra, kiïím tra viïơc thûơc hiïơn quy ắnh cuêa NHNN vïì laôi suíịt. thađnh Cú quan Thanh tra, giaâm saât ngín hađng thuöơc cú cíịu töí chûâc cuêa Ngín hađng Nhađ nûúâc (Nghõ ắnh söị 96/2008/NĂ-CP ngađy 26/8/2008 quy ắnh chûâc nùng, nhiïơm vuơ, quýìn haơn vađ cú cíịu töí chûâc cuêa Ngín hađng Nhađ nûúâc Viïơt Nam). NHNN ăaô phöịi húơp vúâi caâc cú quan liïn quan trònh Thuê tûúâng Chñnh phuê ban hađnh quýịt ắnh vïì thađnh líơp, töí chûâc vađ hoaơt ăöơng cuêa Cú quan Thanh tra, giaâm saât ngín hađng vúâi 4 nhiïơm vuơ chñnh lađ: cíịp, thu höìi giíịy pheâp thađnh líơp vađ hoaơt ăöơng ngín hađng; xíy dûơng caâc chñnh saâch, quy ắnh vïì an toađn hoaơt ăöơng ngín hađng; giaâm saât tûđ xa, thanh tra taơi chöî; xûê lyâ vi phaơm trong lônh vûơc tiïìn tïơ vađ hoaơt ăöơng ngín hađng.
Bïn caơnh ăoâ, tiïịp tuơc triïín khai Ăïì aân ăöíi múâi hoaơt ăöơng giaâm saât tûđ xa phuđ húơp vúâi thöng lïơ quöịc tïị vađ thûơc tiïîn Viïơt Nam vúâi 3 hïơ thöịng: giaâm saât vi mö ăöịi vúâi tûđng TCTD,
BANKING SUPERVISION
In 2008, the SBV closely supervised credit institutions. In addition to on-site supervision, supervisory methods had been gradually renovated through meetings with credit institution’s management boards to get their updated performance. During the year, irregular supervising missions were made on a large scale on loans for securities and
properties trading, consumer lending, credit quality, and compliance with the SBV’s interest rate policy.
Organizational restructure andcapacity building capacity building
The Banking Supervision Agency was approved in principle to be established under the SBV as pro- vided in Decree 96/2008/NĂ-CP dated 26/8/2008 on the functions, responsibilities and organizational structure of the SBV. In cooperation with relevant agencies, the SBV submitted to the Prime Minister for approval of the Decision on the estab- lishment, organizational structure and operations of the Banking Supervision Agency with four key functions: licensing and revoking license of banks; developing banking prudential policies and regulations; on-site and off-site supervision; han- dling banking and monetary violations.
In addition, the Banking Supervision
Renovating Plan continued to be implemented to make off-site supervision in line with best international practices and Vietnam’s practical conditions with three sub-systems: micro- prudential supervision over individual credit institutions, macro-prudential surveillance over the whole banking sector; and early warning system. Supervisory method was also
gradually renovated with the pilot implementation of risk-based supervision in two joint-stock commercial banks.
NGÍN HAĐNG NHAĐ NÛÚÂC VIÏƠT NAM