HoREA proposed that the State Bank consider amending, supplementing or abolishing a number of provisions that are no longer appropriate in Circular No. 06/2023 (TT06) of the State Bank. Specifically, the Association proposed to remove the regulation that credit institutions must specify the "control of the use of loan capital for the right purpose" at Point c, Clause 6 and Point b, Clause 9, Article 1 of TT06. Because it is almost impossible for credit institutions to implement this regulation in the case of lending to pay for capital contributions under capital contribution contracts, investment cooperation contracts or business cooperation contracts to implement projects. Because the final user of the loan capital is the project investor, not the direct customer borrowing this credit.
At the same time, point c, clause 6 and point b, clause 9, article 1 of Circular 06 are abolished, and the regulation that credit institutions "must have measures to block the loan disbursement amount at the lending credit institution" for "the case of lending to pay money to ensure the performance of obligations" is not stipulated to ensure consistency and uniformity with other regulations. At the same time, HoREA requests the State Bank to consider abolishing clauses 8, 9 and 10, article 8 of Circular No. 39/201 (supplemented by clause 2, article 1 of Circular 06) because these regulations have only ceased to be effective since September 1 according to Circular 10/2023.
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