- 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 ĂƯƠNG THANH TRA GIÂM SÂT
GIÂM SÂT
Nùm 2008, NHNN ăaơ tiïịn hađnh thanh tra, kiïím tra ăưịi vúâi câc TCTD. Bïn caơnh hoaơt ăương thanh tra trûơc tiïịp, Thanh tra Ngín hađng ăaơ tûđng bûúâc ăưíi múâi phûúng phâp thanh tra giâm sât thưng qua viïơc tưí chûâc câc buưíi lađm viïơc vúâi Ban laơnh ăaơo câc TCTD nhùìm nùưm bùưt kõp thúđi diïỵn biïịn, tịnh hịnh hoaơt ăương cuêa câc TCTD. Trong nùm ăaơ triïín khai câc ăúơt thanh tra diïơn rương ăươt xuíịt vïì cho vay ăíìu tû, kinh doanh chûâng khoân; cho vay ăíìu tû, kinh doanh bíịt ăương săn; cho vay tiïu duđng; thanh tra chíịt lûúơng hoaơt ăương tđn duơng taơi câc TCTD; rađ soât, thanh tra, kiïím tra viïơc thûơc hiïơn quy ắnh cuêa NHNN vïì laơi suíịt.
Nùm 2008, NHNN ăaơ tiïịn hađnh thanh tra, kiïím tra ăưịi vúâi câc TCTD. Bïn caơnh hoaơt ăương thanh tra trûơc tiïịp, Thanh tra Ngín hađng ăaơ tûđng bûúâc ăưíi múâi phûúng phâp thanh tra giâm sât thưng qua viïơc tưí chûâc câc buưíi lađm viïơc vúâi Ban laơnh ăaơo câc TCTD nhùìm nùưm bùưt kõp thúđi diïỵn biïịn, tịnh hịnh hoaơt ăương cuêa câc TCTD. Trong nùm ăaơ triïín khai câc ăúơt thanh tra diïơn rương ăươt xuíịt vïì cho vay ăíìu tû, kinh doanh chûâng khoân; cho vay ăíìu tû, kinh doanh bíịt ăương săn; cho vay tiïu duđng; thanh tra chíịt lûúơng hoaơt ăương tđn duơng taơi câc TCTD; rađ soât, thanh tra, kiïím tra viïơc thûơc hiïơn quy ắnh cuêa NHNN vïì laơi suíịt. thađnh Cú quan Thanh tra, giâm sât ngín hađng thuươc cú cíịu tưí chûâc cuêa Ngín hađng Nhađ nûúâc (Nghõ ắnh sưị 96/2008/NĂ-CP ngađy 26/8/2008 quy ắnh chûâc nùng, nhiïơm vuơ, quýìn haơn vađ cú cíịu tưí chûâc cuêa Ngín hađng Nhađ nûúâc Viïơt Nam). NHNN ăaơ phưịi húơp vúâi câc cú quan liïn quan trịnh Thuê tûúâng Chđnh phuê ban hađnh quýịt ắnh vïì thađnh líơp, tưí chûâc vađ hoaơt ăương cuêa Cú quan Thanh tra, giâm sât ngín hađng vúâi 4 nhiïơm vuơ chđnh lađ: cíịp, thu hưìi giíịy phêp thađnh líơp vađ hoaơt ăương ngín hađng; xíy dûơng câc chđnh sâch, quy ắnh vïì an toađn hoaơt ăương ngín hađng; giâm sât tûđ xa, thanh tra taơi chưỵ; xûê lyâ vi phaơm trong lơnh vûơc tiïìn tïơ vađ hoaơt ăương ngín hađng.
Bïn caơnh ăô, tiïịp tuơc triïín khai Ăïì ân ăưíi múâi hoaơt ăương giâm sât tûđ xa phuđ húơp vúâi thưng lïơ quưịc tïị vađ thûơc tiïỵn Viïơt Nam vúâi 3 hïơ thưịng: giâm sât vi mư ăưịi 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