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Administrative Procedures

VBSP WITH ADMINISTRATIVE REFORM IN BUSINESS OPERATION

Early in 2007, Vietnam’s Government officially launched the Project of Administrative Reform on state management for the period 2007-2010 (hereinafter referred to Project No.30). The project has three phases: review, simplify and reform the administrative procedures.  

In the framework of Project No.30 supervised by the Prime Minister, VBSP had effectively reviewed and simplified its administrative procedures on the way to ensure simplification, convenience and high productivity. Consequently Vietnam’s Government issued the Resolution No. 64/ND-CP dated 21 December 2010 on the administrative reform for VBSP’s procedures. Accordingly, over 100 following procedures among total 139 publicized ones of the VBSP have been reformed upon supplement, amendment, and abrogation. The details are as follows.

 

LIST OF PROCEDURES

FIRST PUBLICATION:

                                                                                              

ORDER. 

NAME OF PROCEDURES 

PART A: CREDIT ACTIVITIES 
1 Procedure for loan approval in lending to poor households
2   Procedure for loan approval in lending to policy beneficiaries working abroad 
 3
 
Procedure for loan approval in lending to disadvantaged ethnic minority households 
4 

Procedure for loan approval in housing lending to poor households 

 5
 
Procedure for loan approval in lending to disadvantaged ethnic minority households in Mekong Delta River period 2008-2010 
 6
 
Procedure for loan approval with preferable interest rate in lending to poor households in 61 poor districts 
 7 Procedure for repeat loan in lending to poor households 
 8
 
Procedures for loan rescheduling in lending programs that borrowers join SCGs 
9
 
 Procedure for loan approval in lending to disadvantaged students who have lost both parents or lost mother or father but the rest one is disable.  
10
 
 Procedure for loan approval in lending to disadvantaged students through their households 
11
 
 Procedures for loan approval in job creation lending to households under the capital resource managed by the Vietnam General Confederation of Labor, the Vietnam Cooperative Alliance; the Vietnam Blind Association and Ministry of Defense.  
12
 
 Procedures for loan approval in job creation lending to household group under the capital resource managed by the Vietnam General Confederation of Labor, the Vietnam Cooperative Alliance; the Vietnam Blind Association and Ministry of Defense valued at up to VND 100 million. 
13
 
 Procedures for loan approval in job creation lending to household group under the capital resource managed by the Vietnam General Confederation of Labor, the Vietnam Cooperative Alliance; the Vietnam Blind Association and Ministry of Defense valued from VND 100 million to VND 500 million. 
14
 
 Procedures for loan approval in job creation lending to households under the capital resource managed by Provincial People’s Committee. 
15
 
 Procedures for loan approval in job creation lending to households under the capital resource managed by mass organizations (Farmer Union, Women’s Union, War Veteran Association, Youth Union).  
16
 
 Procedures for loan approval in job creation lending to production and business units under the capital resource managed by the Vietnam General Confederation of Labor, the Vietnam Cooperative Alliance; the Vietnam Blind Association and Ministry of Defense valued at upto VND 30 million. 
17
 
 Procedures for loan approval in job creation lending to production and business units under the capital resource managed by the Vietnam General Confederation of Labor, the Vietnam Cooperative Alliance; the Vietnam Blind Association and Ministry of Defense valued from above VND 30 million to VND 100 million. 
18
 
 Procedures for loan approval in job creation lending to production and business units under the capital resource managed by the Vietnam General Confederation of Labor, the Vietnam Cooperative Alliance; the Vietnam Blind Association and Ministry of Defense valued from above VND 100 million to VND 500 million. 
19   Approval procedure for loan for job creation valued at up to VND 30 million to production and business units from the source managed by Provincial People’s Committee.   
20
 
 Approval procedure for loan for job creation valued at above VND 30 million to VND 100 million to production and business units from the source managed by Provincial People’s Committee.   
21
 
 Approval procedure for loan for job creation valued at above VND 100 million to VND 500 million to production and business units from the source managed by the Provincial People’s Committee.   
 22
 
Approval procedure for loan for job creation valued at up to VND 30 million to production and business units for the disabled. 
 23
 
Approval procedure for loan for job creation valued at above VND 30 million to VND 100 million to production and business unit for the disabled.  
24
 
 Approval procedure for loan for job creation valued at above VND 100 million to VND 500 million to production and business unit for the disabled.  
25
 
Approval procedure for loan valued up to VND 30 million to business and production households in disadvantaged areas 
 26
 
Approval procedure for loan valued at above VND 30 million to VND 100 million to business and production households in disadvantaged areas 
27
 
 Approval procedure for roll-over loan valued at upto VND 30 million to business and production households in targeted areas 
28
 
 Approval procedure for roll-over loan valued at above VND 30 million to business and production households in targeted areas 
 29
 
Approval procedure for housing loan to households in flood-prone areas of Mekong River Delta who build house on their own. 
 30
 
Approval procedure for housing loan to households in flood-prone areas of Mekong River Delta who buy deferred-payment house. 
 31
 
Approval procedure for housing loan to enterprises who sell deferred- payment houses to households in flood-prone areas of Mekong River Delta.  
32
 
Approval procedure for loan to households who have drug-detoxification laborers 
 33
 
Approval procedure for loan valued at up to VND 30 million to business and production units and enterprises who have drug-detoxification employees 
34
 
 Approval procedure for loan valued at above VND 30 million to VND 500 million to business and production units and enterprises who have drug-detoxification employees. 
 35
 
Approval procedure for loan of safe water and rural environment sanitation.  
36
 
Approval procedure for loan under the rural income diversification project in Tuyen Quang province (RIDP). 
37 The lending procedures of the project "Participatory Resources Management in Tuyen Quang Province" (IFAD). 
 38
 
Lending procedures of Project of SME lending funded by KFW, loan size below VND 200 million. 
39
 
Lending procedures of Project of SME lending funded by KFW, loan size over VND 200 million to VND 500 million 
40
 
Lending procedures of the Coastal Wet Land Development Project (CWPD) in provinces of Tra Vinh, Bac Lieu, Soc Trang and Ca Mau 
41
 
Lending procedures of Forestation Development Project funded by WB for SCG's members with loan size below VND 30 million (B-NCS-110543-TT) 
42
 
 Lending procedures of Forestation Development Project funded by WB for SCG's members with loan size over VND 30 million (B-NCS-110559-TT) 
 

43

 
Lending procedure of Forestation Development Project funded by WB for households who do not join SCGs
 
44
 
 Lending procedures of Decision No.30/2009/QĐ-TTg dated on 23rd February 2009 of the Government's Prime Minister on the unemployed in domestic enterprises facing with difficulties due to economic crisis for households from the fund source managed by mass organizations. 
45
 
Lending procedures of Decision No.30/2009/QĐ-TTg dated on 23rd February 2009 of the Government's Prime Minister on jobless migrant workers who have to come back home before definite due term due to enterprises facing with difficulties from economic crisis for households from the fund source managed by mass organizations 
 46
 
 Lending procedures of Decision No.30/2009/QĐ-TTg dated on 23rd February 2009 of the Government's Prime Minister on the unemployed in domestic enterprises facing with difficulties due to economic crisis for households from the fund source managed by provincial People's Committee. 
 

47

 
 Lending procedures of Decision No.30/2009/QĐ-TTg dated on 23rd February 2009 of the Government's Prime Minister on jobless migrant workers who have to come back home before definite term due to enterprises facing with difficulties from economic crisis for households from the fund source managed by provincial People's Committee 
48
 
 Lending procedures of Decision No.30/2009/QĐ-TTg dated on 23rd February 2009 of the Government's Prime Minister on the unemployed in domestic enterprises facing with difficulties due to economic crisis for households in the job creation scheme from the fund source managed by Labour General Confederation of Vietnam, Cooperative Union of Vietnam, Vietnam Fund of the Blind and Ministry of National Defense. 
49
 
Lending procedures of Decision No.30/2009/QĐ-TTg dated on 23rd February 2009 of the Government's Prime Minister on jobless migrant workers who have to come back home before definite due term due to enterprises facing with difficulties from economic crisis for households from the fund source managed by Labour General Confederation of Vietnam, Cooperative Union of Vietnam, Vietnam Fund of the Blind and Ministry of National Defense. 
50
 
 Lending procedures of Decision No.30/2009/QĐ-TTg dated on 23rd February 2009 of the Government's Prime Minister on jobless migrant workers who have to come back home before definite due term due to enterprises facing with difficulties from economic crisis for household groups with loan size of less than VND 100 million from the fund source managed by Labour General Confederation of Vietnam, Cooperative Union of Vietnam, Vietnam Fund of the Blind and Ministry of National Defense. 
 

51

 
 Lending procedures of Decision No.30/2009/QĐ-TTg dated on 23rd February 2009 of the Government's Prime Minister on the unemployed in domestic enterprises facing with difficulties from economic crisis for household groups with the loan size of less than VND 100 million from the fund source managed by Labour General Confederation of Vietnam, Cooperative Union of Vietnam, Vietnam Fund of the Blind and Ministry of National Defense. 
 

52

 
 Lending procedures of Decision No.30/2009/QĐ-TTg dated on 23rd February 2009 of the Government's Prime Minister on the unemployed in domestic enterprises facing with difficulties from economic crisis for household groups with the loan size of VND 100 million - VND 500 million from the fund source managed by Labour General Confederation of Vietnam, Cooperative Union of Vietnam, Vietnam Fund of the Blind and Ministry of National Defense.   
53
 
Lending procedures of Decision No.30/2009/QĐ-TTg dated on 23rd February 2009 of the Government's Prime Minister on jobless migrant workers who have to come back home before definite due term due to enterprises facing with difficulties from economic crisis for household groups with the loan size of VND 100 million - VND 500 million from the fund source managed by Labour General Confederation of Vietnam, Cooperative Union of Vietnam, Vietnam Fund of the Blind and Ministry of National Defense. 
54
 
 

 

 

 

ORDER. 

NAME OF PROCEDURES 

PART A: CREDIT ACTIVITIES 

1

Procedure for loan approval in lending to poor households

2 

 Procedure for loan approval in lending to policy beneficiaries working abroad 

 3
 

Procedure for loan approval in lending to disadvantaged ethnic minority households 

4 

Procedure for loan approval in housing lending to poor households 

 5
 

Procedure for loan approval in lending to disadvantaged ethnic minority households in Mekong Delta River period 2008-2010 

 6
 

Procedure for loan approval with preferable interest rate in lending to poor households in 61 poor districts 

 7

Procedure for repeat loan in lending to poor households 

 8
 

Procedures for loan rescheduling in lending programs that borrowers join SCGs 

9
 

 Procedure for loan approval in lending to disadvantaged students who have lost both parents or lost mother or father but the rest one is disable.  

10
 

 Procedure for loan approval in lending to disadvantaged students through their households 

11
 

 Procedures for loan approval in job creation lending to households under the capital resource managed by the Vietnam General Confederation of Labor, the Vietnam Cooperative Alliance; the Vietnam Blind Association and Ministry of Defense.  

12
 

 Procedures for loan approval in job creation lending to household group under the capital resource managed by the Vietnam General Confederation of Labor, the Vietnam Cooperative Alliance; the Vietnam Blind Association and Ministry of Defense valued at up to VND 100 million. 

13
 

 Procedures for loan approval in job creation lending to household group under the capital resource managed by the Vietnam General Confederation of Labor, the Vietnam Cooperative Alliance; the Vietnam Blind Association and Ministry of Defense valued from VND 100 million to VND 500 million. 

14
 

 Procedures for loan approval in job creation lending to households under the capital resource managed by Provincial People’s Committee. 

15
 

 Procedures for loan approval in job creation lending to households under the capital resource managed by mass organizations (Farmer Union, Women’s Union, War Veteran Association, Youth Union).  

16
 

 Procedures for loan approval in job creation lending to production and business units under the capital resource managed by the Vietnam General Confederation of Labor, the Vietnam Cooperative Alliance; the Vietnam Blind Association and Ministry of Defense valued at upto VND 30 million. 

17
 

 Procedures for loan approval in job creation lending to production and business units under the capital resource managed by the Vietnam General Confederation of Labor, the Vietnam Cooperative Alliance; the Vietnam Blind Association and Ministry of Defense valued from above VND 30 million to VND 100 million. 

18
 

 Procedures for loan approval in job creation lending to production and business units under the capital resource managed by the Vietnam General Confederation of Labor, the Vietnam Cooperative Alliance; the Vietnam Blind Association and Ministry of Defense valued from above VND 100 million to VND 500 million. 

19 

 Approval procedure for loan for job creation valued at up to VND 30 million to production and business units from the source managed by Provincial People’s Committee.   

20
 

 Approval procedure for loan for job creation valued at above VND 30 million to VND 100 million to production and business units from the source managed by Provincial People’s Committee.   

21
 

 Approval procedure for loan for job creation valued at above VND 100 million to VND 500 million to production and business units from the source managed by the Provincial People’s Committee.   

 22
 

Approval procedure for loan for job creation valued at up to VND 30 million to production and business units for the disabled. 

 23
 

Approval procedure for loan for job creation valued at above VND 30 million to VND 100 million to production and business unit for the disabled.  

24
 

 Approval procedure for loan for job creation valued at above VND 100 million to VND 500 million to production and business unit for the disabled.  

25
 

Approval procedure for loan valued up to VND 30 million to business and production households in disadvantaged areas 

 26
 

Approval procedure for loan valued at above VND 30 million to VND 100 million to business and production households in disadvantaged areas 

27
 

 Approval procedure for roll-over loan valued at upto VND 30 million to business and production households in targeted areas 

28
 

 Approval procedure for roll-over loan valued at above VND 30 million to business and production households in targeted areas 

 29
 

Approval procedure for housing loan to households in flood-prone areas of Mekong River Delta who build house on their own. 

 30
 

Approval procedure for housing loan to households in flood-prone areas of Mekong River Delta who buy deferred-payment house. 

 31
 

Approval procedure for housing loan to enterprises who sell deferred- payment houses to households in flood-prone areas of Mekong River Delta.  

32
 

Approval procedure for loan to households who have drug-detoxification laborers 

 33
 

Approval procedure for loan valued at up to VND 30 million to business and production units and enterprises who have drug-detoxification employees 

34
 

 Approval procedure for loan valued at above VND 30 million to VND 500 million to business and production units and enterprises who have drug-detoxification employees. 

 35
 

Approval procedure for loan of safe water and rural environment sanitation.  

36
 

Approval procedure for loan under the rural income diversification project in Tuyen Quang province (RIDP). 

37

The lending procedures of the project "Participatory Resources Management in Tuyen Quang Province" (IFAD). 

 38
 

Lending procedures of Project of SME lending funded by KFW, loan size below VND 200 million. 

39
 

Lending procedures of Project of SME lending funded by KFW, loan size over VND 200 million to VND 500 million 

40
 

Lending procedures of the Coastal Wet Land Development Project (CWPD) in provinces of Tra Vinh, Bac Lieu, Soc Trang and Ca Mau 

41
 

Lending procedures of Forestation Development Project funded by WB for SCG's members with loan size below VND 30 million (B-NCS-110543-TT) 

42
 

 Lending procedures of Forestation Development Project funded by WB for SCG's members with loan size over VND 30 million (B-NCS-110559-TT) 

 43

 

Lending procedure of Forestation Development Project funded by WB for households who do not join SCGs

44
 

 Lending procedures of Decision No.30/2009/QĐ-TTg dated on 23rd February 2009 of the Government's Prime Minister on the unemployed in domestic enterprises facing with difficulties due to economic crisis for households from the fund source managed by mass organizations. 

45
 

Lending procedures of Decision No.30/2009/QĐ-TTg dated on 23rd February 2009 of the Government's Prime Minister on jobless migrant workers who have to come back home before definite due term due to enterprises facing with difficulties from economic crisis for households from the fund source managed by mass organizations 

 46
 

 Lending procedures of Decision No.30/2009/QĐ-TTg dated on 23rd February 2009 of the Government's Prime Minister on the unemployed in domestic enterprises facing with difficulties due to economic crisis for households from the fund source managed by provincial People's Committee. 

 

47

 

 Lending procedures of Decision No.30/2009/QĐ-TTg dated on 23rd February 2009 of the Government's Prime Minister on jobless migrant workers who have to come back home before definite term due to enterprises facing with difficulties from economic crisis for households from the fund source managed by provincial People's Committee 

48
 

 Lending procedures of Decision No.30/2009/QĐ-TTg dated on 23rd February 2009 of the Government's Prime Minister on the unemployed in domestic enterprises facing with difficulties due to economic crisis for households in the job creation scheme from the fund source managed by Labour General Confederation of Vietnam, Cooperative Union of Vietnam, Vietnam Fund of the Blind and Ministry of National Defense. 

49
 

Lending procedures of Decision No.30/2009/QĐ-TTg dated on 23rd February 2009 of the Government's Prime Minister on jobless migrant workers who have to come back home before definite due term due to enterprises facing with difficulties from economic crisis for households from the fund source managed by Labour General Confederation of Vietnam, Cooperative Union of Vietnam, Vietnam Fund of the Blind and Ministry of National Defense. 

50
 

 Lending procedures of Decision No.30/2009/QĐ-TTg dated on 23rd February 2009 of the Government's Prime Minister on jobless migrant workers who have to come back home before definite due term due to enterprises facing with difficulties from economic crisis for household groups with loan size of less than VND 100 million from the fund source managed by Labour General Confederation of Vietnam, Cooperative Union of Vietnam, Vietnam Fund of the Blind and Ministry of National Defense. 

 

51

 

 Lending procedures of Decision No.30/2009/QĐ-TTg dated on 23rd February 2009 of the Government's Prime Minister on the unemployed in domestic enterprises facing with difficulties from economic crisis for household groups with the loan size of less than VND 100 million from the fund source managed by Labour General Confederation of Vietnam, Cooperative Union of Vietnam, Vietnam Fund of the Blind and Ministry of National Defense. 

 

52

 

 Lending procedures of Decision No.30/2009/QĐ-TTg dated on 23rd February 2009 of the Government's Prime Minister on the unemployed in domestic enterprises facing with difficulties from economic crisis for household groups with the loan size of VND 100 million - VND 500 million from the fund source managed by Labour General Confederation of Vietnam, Cooperative Union of Vietnam, Vietnam Fund of the Blind and Ministry of National Defense.   

53
 

Lending procedures of Decision No.30/2009/QĐ-TTg dated on 23rd February 2009 of the Government's Prime Minister on jobless migrant workers who have to come back home before definite due term due to enterprises facing with difficulties from economic crisis for household groups with the loan size of VND 100 million - VND 500 million from the fund source managed by Labour General Confederation of Vietnam, Cooperative Union of Vietnam, Vietnam Fund of the Blind and Ministry of National Defense. 

SECOND PUBLICATION:

ORDER NAME OF PROCEDURES IMPLEMENTER
1 Loan approval procedures under Decision No. 92/2009/QĐ-TTg dated 08/7/2009 of Prime Minister for traders who do not conduct accounting records, and pay flat-rate taxes under regulations of tax offices, loan amount up to VND 30 million dong VBSP district transaction offices all over the country
2 Loan approval procedures under Decision No. 92/2009/QĐ-TTg dated 08/7/2009 of Prime Minister for trades who conduct accounting records, and declare taxes under the law, loan amount up to VND 30 million dong As above
3

Loan approval procedures under Decision No. 92/2009/QĐ-TTg dated 08/7/2009 of Prime Minister for traders who conduct accounting records, and declare taxes under the law, loan amount from above VND 30 million dong to VND 100 million dong

 
As above
4 Loan approval procedures under Decision No. 92/2009/QĐ-TTg dated 08/7/2009 of Prime Minister for trader doing business in disadvataged areas, loan amount up to VND 30 million dong As above
5 Loan approval procedures for Decision No. 92/2009/QĐ-TTg dated 08/7/2009 of Prime Minister for trader doing business in disadvataged areas, loan amount from 30 million dong to 500 million dong As above
6 Procedures of loan security via pledge VBSP district transaction offices all over the country
7 Procedures of loan security by mortgaged of security As above
8 Procedures of loan security via property mortgage of the third party As above
9

Procedures of loan security via property mortgage of the third party

 
As above
10

Procedures of disbursement through ATM card to disadvantaged students

As above
11

Loan approval prcedures for labor in the poor district going abroad

As above

                                                     

PHOTO ARTICLES

LENDING INTEREST RATE

Poor Households

Lending to poor households 6,6%/year
Lending to poor households in 64 poor districts as stipulated by the Government Resolution No.30a in 2008 3,3%/year

Near Poor Households

Lending to near poor households 7,92%/year

Students

Lending to disadvantaged students 6,6%/year

People in need of loans for job creation

Lending to business establishments owned by war invalids and handicapped persons 3,3%/year
Others...

DEPOSIT INTEREST RATE

Term Deposit Rate
Overnight 3,04%/year
1 week 3,23%/year
2 week 3,5%/year
Others...