STATE BANK OF VIETNAM
Number: 1134/2001
DECISION
Promulgating the Regulation apply to loans students, students of
universities, colleges, high schools and vocational
Number: 1134/2001
DECISION
Promulgating the Regulation apply to loans students, students of
universities, colleges, high schools and vocational
Pursuant to the State Bank of Vietnam and the Law on Credit Institutions dated 12/12/1997;
Pursuant to Decree No. 15/CP dated 02/03/1993 of the Government on tasks, powers and management responsibilities of ministries, ministerial-level agencies;
Pursuant to Decision No. 51/1998/QD-TTg dated 02/03/1998 of the Prime Minister on the establishment of credit funds and training;
At the request of the Director of Monetary Policy,
Pursuant to Decree No. 15/CP dated 02/03/1993 of the Government on tasks, powers and management responsibilities of ministries, ministerial-level agencies;
Pursuant to Decision No. 51/1998/QD-TTg dated 02/03/1998 of the Prime Minister on the establishment of credit funds and training;
At the request of the Director of Monetary Policy,
DECISION:
Article 1. Issued together with this Decision the Regulation apply to loans to undergraduate students, universities, colleges, high schools and vocational training.
Article 2. This decision takes effect from the date 01.10.2001, instead 219/1998/QD-NHNN1 Decision dated 01/07/1998 of the State Bank issued the Regulation on Credit for students, students of universities, colleges, high schools and vocational training.
Article 3. Heads of units under the State Bank, director of the State Bank branches in provinces and cities directly under the Central Board Chairman and General Director of a commercial bank or bank policy is assigned for loans to students, pupils are responsible for implementing this decision. /.
Article 2. This decision takes effect from the date 01.10.2001, instead 219/1998/QD-NHNN1 Decision dated 01/07/1998 of the State Bank issued the Regulation on Credit for students, students of universities, colleges, high schools and vocational training.
Article 3. Heads of units under the State Bank, director of the State Bank branches in provinces and cities directly under the Central Board Chairman and General Director of a commercial bank or bank policy is assigned for loans to students, pupils are responsible for implementing this decision. /.
LENDING REGULATION
APPLICATION FOR PUPILS, UNIVERSITY STUDENTS,
COLLEGE, HIGH SCHOOL AND JOB TRAINING PROFESSIONAL
(Issued together with Decision No. 1134/2001/QD-NHNN
dated 26.09.2001 of State Bank)
Article 1. Scope of Application
This Regulation provides for loans in Vietnam dong of a commercial bank or bank policies are assigned to student loans, students of universities, colleges, high schools and vocational Credit Training Fund was established under Decision No. 51/1998/QD-TTg dated 02/03/1998 of the Prime Minister.
Article 2. Definitions
1. The phrase referred to in this Regulation:
- Pupils and students called the student.
- Universities, colleges, high schools and vocational schools for short.
- Commercial banks, policy banks or assigned to provide loans to students for short bank.
- Representatives of student's family or legal guardian of the student, the student committed in Vietnam in the written request referred to as the loan commitment to pay debts.
2. Loan term is calculated from the time when students receive loans for the first time to pay off the loan principal and interest were recorded in the credit agreement.
3. Repayment period is the period of repayment period stated in the credit contract that at the end of that time students must pay part or all of the loan.
4. Adjust the repayment period is approved by the Bank for students to change the repayment period was recorded earlier in the credit agreement.
5. Rescheduled loan is the Bank approved an extended period of time than the lending period stated in the credit agreement.
6. Course end date is the time students finish exams or defend their theses.
Article 3. Student loan objects
1. Students currently enrolled in the main system focused universities, colleges, high schools and vocational public and semi-public or establish a training period of 01 years and the loan in The first academic year based on academic grade of the semester 1 and from second year onwards based on academic grade of the year preceding that in which students achieve the following:
a. For students of social policies as stipulated in Article 1, Section I of the Joint Circular No. 26/1999/TTLT-LDTBXH-BGDDT on 02/11/1999 and students who are poor or of poor standard by provisions of Decision No. 1143/2000/QD-LDTBXH on 10/11/2000 by the Ministry of Labour, Invalids and Social Affairs, the student is not subject to the policy of permanent residence before they entered school in a region : Achieve overall GPA of 5.0 points extending from above:
b. For students not subject to the policy have permanent residence in the area before entering the school 2: Achieve overall GPA of 6.0 from expanding upward.
c. For students not subject to the policy have permanent residence in the area prior to entering school 3: Achieve overall GPA of 7.0 from expanding upward.
Regulations on the students of Region 1, 2, 3 follow the enrollment regulation by the Minister of Education and Training issued Decision No. 05/1999/QD - MoET on 23/02/1999.
2. For students studying in schools and has been borrowing from credit fund training, but have difficulty, unable to continue studying, the Board approved the name of the school term and Reserved learning outcomes to be able to continue studying later, the learning time of students at the school, including time off school is the school's approval. When students return to continue their training, the loan is based on learning outcomes of the school year preceding the school.
Article 4. Loan conditions
Students must meet the following conditions:
1. Subjects specified in Article 3 of this Regulation.
2. Purpose of using loans to cover expenses while studying in schools.
3. Representing student's family or legal guardian of the student in Vietnam committed in the written request of the student loan repayment responsibilities on behalf of students where students change schools, drop out of school, be removed from the list of students, or after finishing the course in schools where students do not repay the loan principal and interest on time or did not pay off the debt when the final repayment period.
Article 5. Objects loans
Is the cost of procurement of textbooks, learning facilities, research and other expenses for students' learning while at school.
Article 6. Loan amount
Loan amount for student loans by the Bank decided to fit the needs of each student loan, but a maximum of 200,000 a month for each student.
Article 7. Loan term
Loan term including grace period and repayment period:
1. The duration of grace period is counted from the date the student received the first loan until the end of the course, including the time students leave school for a term of study and retain academic results (if available).
2. Repayment period is calculated by the Bank in student loans while studying at the school.
Article 8. Lending rate
1. Interest rates for student loans to lower than normal interest rates of commercial banks during the same period. The interest rate specified by the State Bank announced on the basis of consulting with the Minister of Education and Training.
2. Overdue interest rate equal to 120% lending rate recorded in the credit agreement.
Article 9. Credit file
1. Request for student loans under the Bank's printed form. This paper only 01 times, using both the course and sent to the bank when the first loan, of which the following elements:
- The commitment of the student's family representative or legal guardian of the student in Vietnam on the responsibility to pay debts for students in case of transfer students, out of school, be removed from the list of students , or after finishing the course in schools where students do not repay the loan principal and interest on time or did not pay off the debt when the final repayment period.
- Confirmation of the People's Committees of communes, wards and towns where students represent family or legal guardian of the student in Vietnam have their permanent residence address and signature of the representative family study birth or legal guardian of the student loans in the Request is correct and that student's family circumstances are not enough financial capacity to cover the cost of student learning should be student loan needs.
- Confirmation of the managing board of the school or the managing board authorized the student is eligible for consideration for bank loans under the provisions of Article 3 of this Regulation.
2. Where students under current policy, there must be a copy certified by the State agencies competent, certified by the school, taken from student records are kept at the school.
3. Students and the Bank signed a credit contract at the time the first loan, used for both courses.
4. Student-written commitment to repay the loan principal and interest after completing the course.
Article 10. The order of consideration for the loan
The loans made to students in the following order:
1. Beginning of the new school year, students eligible for loans registered with the school loans.
2. The field test and make a list of students eligible for bank loans sent the same time, develop printed form Request for loans provided by banks to students to fulfill the content, the factors in Paragraph 1 of Article 9 of this Regulation.
3. Students submit written request to the bank loan, in case the student of policy must be accompanied by written certification by state agencies specified in paragraph 2 of Article 9 of this Regulation.
4. Bank lending, the credit contract with students; case of lending, the Bank shall notify in writing to the school and the students know, clearly stating the reasons for the refusal to lend.
Article 11. Repayment of principal and interest loan
1. During the period under study at the school, students may pay principal and interest loan, loan interest is calculated from the day after students finish the course until full repayment of principal.
2. Students must repay the loan principal and interest within the first 6 months after the end of the course.
3. Where students change schools, drop out of school, be removed from the list of students, or after finishing the course in schools where students do not repay on time or did not pay off the debt when the debt repayment period to end Finally, the person must be committed to pay debt repayment obligations.
4. Loan interest is calculated by the method of calculation of interest in items specified in Paragraph 2 of Article 10 prescribe the method of interest calculation and accounting of revenue and interest of the State Bank and credit institutions, issued together with Decision No. 652/2001/QD-NHNN ngay17/05/2001 of the State Bank.
Article 12. Rescheduled loan repayment period adjustments
1. When the repayment period stated in the credit contract, or students who pledge to pay debt can not afford to pay off the loan principal and interest due to objective reasons, the student or his commitment to repay instead send a written request to adjust the repayment period to the Bank to consider adjusting the debt repayment period, if not adjusted term debt, the Bank transferred the loan to overdue it.
2. When the time of final payment as stated in the credit agreement, if students can not afford the full repayment due to objective reasons and also pledged to pay debt can not afford to repay, the school Birth or committed to pay the debt must send a written request to extend loans to banks, for banks to consider rescheduling the maximum term is two years from the time of final payment, if not further term debt, the Bank transferred the loan to overdue it.
3. The proposed maturity of the debt adjustment, debt rescheduling or the student's commitment to pay debts and the settlement of the Bank must be made before the debts become due.
Article 13. Reduction of loan interest rate
1. Students pay all principal and interest loan repayment before the contractual end credit also reduced loan interest paid to date to pay off debt:
a. Prepayment of 4 years was reduced by 30%.
b. Prepayment from 3 years to less than 4 years was reduced by 20%.
c. Prepayment from 2 years to less than 3 years was 15%.
d. Prepayment from 1 year to less than 2 years was reduced by 10%.
e. Prepayment under 1 year are down 5%.
2. For students who lost property due to objective reasons and economic circumstances are difficult family's Committees of communes, wards or townships where the student resides after the course or where the family students residing confirmed only able to repay the principal and part interest, the Bank considered to reduce loan interest for students, the maximum reduction is 50% longer have to pay loan interest.
3. Bank interest-free loan for the case of students at risk because of objective reasons in accordance with the Ministry of Finance on the financial management regime for the credit fund training.
Article 14. Rights and obligations of the Bank
1. Bank may:
a. Ask students who pledge to pay debt and instead provide sufficient information relating to the borrowing and repayment of the student.
b. Deny the request of the student loans, if students are not eligible loan or credit funds are not training enough capital to lend.
c. Ended lending, debt collection ahead of time in the following cases: students found providing false information, breach of contract credit student transfer, drop out of school, be removed from schools student list. d. Student loan lawsuit for breach of contract or committed credit debt rather than the obligation to pay debts as prescribed by law.
e. Reduction of loan interest, adjustable-term debt, rescheduling done in accordance with these Regulations.
e. Send a message to the commitment to pay debts or unit where students work after finishing the course to urge repayment.
2. Banks are obliged to:
a. Implement agreed upon in the credit agreement;
b. Store credit profile consistent with the provisions of law.
Article 15. Rights and obligations of students
1. Students have the right:
a. Refuse the request of the Bank of regulations of this Regulation and the commitments in the credit agreement;
b. Complaints and lawsuits for violating the credit agreement as prescribed by law.
2. Students are obliged to:
a. Provide full and truthful information and documents relating to the loan and promptly notify a change of residence or place of work after finishing the course to banks responsible for the legitimacy accuracy of the information and documents provided.
b. Use of loan purposes and to comply with the commitments in the credit agreement and debt commitment papers.
c. After completing the course in 10 days, student loans owed to banks to make written commitments to pay principal and interest loan, which clearly contacts, money transfer payment method, students Paper submitted commitments for schools to carry out the procedures to get her diploma.
d. Responsible before the law fails to comply with the commitments on the repayment of principal and interest loan.
Article 16. Responsibility of the commitment to pay debts
1. Committed to debt repayment instead of the written request of the student loans as prescribed in Paragraph 1 of Article 9 of this Regulation.
2. Repayment of loan principal and interest on behalf of students in the following cases: students do not repay on time, transfer students, out of school, the school was removed from the list of students to prepayment without have the ability to repay.
3. Provide accurate information about the situation, place of residence and work after finishing the course the student to the Bank.
4. Send a request to reschedule, adjust the term of the debt to the Bank on behalf of students in case the repayment period can not be returned by students to objective reasons and did not send written request to the Bank.
Article 17. Responsibilities of schools
1. Confirmed in the written request of the student loans in accordance with Paragraph 1 of Article 9 of this Regulation.
2. Make a list of students eligible to submit bank loans and take responsibility for the accuracy and correctness of this list.
3. Informed promptly, accurate and complete to the bank transfer list student, left school, are disciplined, have their names deleted, suspended and forced out of school.
4. Coordination with the Bank in the inspection and monitoring process of borrowing and use of student loans.
5. Notify the Bank end exams or defend theses of students to make molds for bank loan interest calculated in accordance with paragraph 6 of Article 2 and Paragraph 1 of Article 11 of this Regulation.
6. Ask students to submit written commitment to repay the certification of the bank before they graduated and returned to student records.
7. Ask students outstanding bank loan to pay off the debt in case of transfers, dropped out of school, be removed from the list of students.
Article 18. Responsibilities of People's Committees of communes, wards and towns
1. Confirmed in the written request of the student loans in accordance with Paragraph 1 of Article 9 of this Regulation.
2. Debt and urge the implementation of administrative measures for students who pledge to pay debt, after receiving the written request of the Bank of the students do not pay debts on time.
3. Notify the bank about the change of residence, workplace, and new students who commit to debt payment.
Article 19. Organization of implementation
1. Bank loans are assigned to students pursuant to provisions of the Civil Code, Law on Credit Institutions and Regulation This paper pre-printed forms for loan, credit agreement, written commitment repayment of the student to develop procedures for student loans.
2. Bank loans are assigned to students, student loans, the repayment commitment to change students, schools, the People's Committees of communes, wards and townships have the responsibility to implement the provisions of Regulation this regime.
3. Heads of units under the State Bank, director of the State Bank branches in provinces and cities responsible for inspection and supervision of bank loans are assigned to students according to their functions and tasks assigned.
4. The amendment and supplement this Regulation by the State Bank decision. /.
This Regulation provides for loans in Vietnam dong of a commercial bank or bank policies are assigned to student loans, students of universities, colleges, high schools and vocational Credit Training Fund was established under Decision No. 51/1998/QD-TTg dated 02/03/1998 of the Prime Minister.
Article 2. Definitions
1. The phrase referred to in this Regulation:
- Pupils and students called the student.
- Universities, colleges, high schools and vocational schools for short.
- Commercial banks, policy banks or assigned to provide loans to students for short bank.
- Representatives of student's family or legal guardian of the student, the student committed in Vietnam in the written request referred to as the loan commitment to pay debts.
2. Loan term is calculated from the time when students receive loans for the first time to pay off the loan principal and interest were recorded in the credit agreement.
3. Repayment period is the period of repayment period stated in the credit contract that at the end of that time students must pay part or all of the loan.
4. Adjust the repayment period is approved by the Bank for students to change the repayment period was recorded earlier in the credit agreement.
5. Rescheduled loan is the Bank approved an extended period of time than the lending period stated in the credit agreement.
6. Course end date is the time students finish exams or defend their theses.
Article 3. Student loan objects
1. Students currently enrolled in the main system focused universities, colleges, high schools and vocational public and semi-public or establish a training period of 01 years and the loan in The first academic year based on academic grade of the semester 1 and from second year onwards based on academic grade of the year preceding that in which students achieve the following:
a. For students of social policies as stipulated in Article 1, Section I of the Joint Circular No. 26/1999/TTLT-LDTBXH-BGDDT on 02/11/1999 and students who are poor or of poor standard by provisions of Decision No. 1143/2000/QD-LDTBXH on 10/11/2000 by the Ministry of Labour, Invalids and Social Affairs, the student is not subject to the policy of permanent residence before they entered school in a region : Achieve overall GPA of 5.0 points extending from above:
b. For students not subject to the policy have permanent residence in the area before entering the school 2: Achieve overall GPA of 6.0 from expanding upward.
c. For students not subject to the policy have permanent residence in the area prior to entering school 3: Achieve overall GPA of 7.0 from expanding upward.
Regulations on the students of Region 1, 2, 3 follow the enrollment regulation by the Minister of Education and Training issued Decision No. 05/1999/QD - MoET on 23/02/1999.
2. For students studying in schools and has been borrowing from credit fund training, but have difficulty, unable to continue studying, the Board approved the name of the school term and Reserved learning outcomes to be able to continue studying later, the learning time of students at the school, including time off school is the school's approval. When students return to continue their training, the loan is based on learning outcomes of the school year preceding the school.
Article 4. Loan conditions
Students must meet the following conditions:
1. Subjects specified in Article 3 of this Regulation.
2. Purpose of using loans to cover expenses while studying in schools.
3. Representing student's family or legal guardian of the student in Vietnam committed in the written request of the student loan repayment responsibilities on behalf of students where students change schools, drop out of school, be removed from the list of students, or after finishing the course in schools where students do not repay the loan principal and interest on time or did not pay off the debt when the final repayment period.
Article 5. Objects loans
Is the cost of procurement of textbooks, learning facilities, research and other expenses for students' learning while at school.
Article 6. Loan amount
Loan amount for student loans by the Bank decided to fit the needs of each student loan, but a maximum of 200,000 a month for each student.
Article 7. Loan term
Loan term including grace period and repayment period:
1. The duration of grace period is counted from the date the student received the first loan until the end of the course, including the time students leave school for a term of study and retain academic results (if available).
2. Repayment period is calculated by the Bank in student loans while studying at the school.
Article 8. Lending rate
1. Interest rates for student loans to lower than normal interest rates of commercial banks during the same period. The interest rate specified by the State Bank announced on the basis of consulting with the Minister of Education and Training.
2. Overdue interest rate equal to 120% lending rate recorded in the credit agreement.
Article 9. Credit file
1. Request for student loans under the Bank's printed form. This paper only 01 times, using both the course and sent to the bank when the first loan, of which the following elements:
- The commitment of the student's family representative or legal guardian of the student in Vietnam on the responsibility to pay debts for students in case of transfer students, out of school, be removed from the list of students , or after finishing the course in schools where students do not repay the loan principal and interest on time or did not pay off the debt when the final repayment period.
- Confirmation of the People's Committees of communes, wards and towns where students represent family or legal guardian of the student in Vietnam have their permanent residence address and signature of the representative family study birth or legal guardian of the student loans in the Request is correct and that student's family circumstances are not enough financial capacity to cover the cost of student learning should be student loan needs.
- Confirmation of the managing board of the school or the managing board authorized the student is eligible for consideration for bank loans under the provisions of Article 3 of this Regulation.
2. Where students under current policy, there must be a copy certified by the State agencies competent, certified by the school, taken from student records are kept at the school.
3. Students and the Bank signed a credit contract at the time the first loan, used for both courses.
4. Student-written commitment to repay the loan principal and interest after completing the course.
Article 10. The order of consideration for the loan
The loans made to students in the following order:
1. Beginning of the new school year, students eligible for loans registered with the school loans.
2. The field test and make a list of students eligible for bank loans sent the same time, develop printed form Request for loans provided by banks to students to fulfill the content, the factors in Paragraph 1 of Article 9 of this Regulation.
3. Students submit written request to the bank loan, in case the student of policy must be accompanied by written certification by state agencies specified in paragraph 2 of Article 9 of this Regulation.
4. Bank lending, the credit contract with students; case of lending, the Bank shall notify in writing to the school and the students know, clearly stating the reasons for the refusal to lend.
Article 11. Repayment of principal and interest loan
1. During the period under study at the school, students may pay principal and interest loan, loan interest is calculated from the day after students finish the course until full repayment of principal.
2. Students must repay the loan principal and interest within the first 6 months after the end of the course.
3. Where students change schools, drop out of school, be removed from the list of students, or after finishing the course in schools where students do not repay on time or did not pay off the debt when the debt repayment period to end Finally, the person must be committed to pay debt repayment obligations.
4. Loan interest is calculated by the method of calculation of interest in items specified in Paragraph 2 of Article 10 prescribe the method of interest calculation and accounting of revenue and interest of the State Bank and credit institutions, issued together with Decision No. 652/2001/QD-NHNN ngay17/05/2001 of the State Bank.
Article 12. Rescheduled loan repayment period adjustments
1. When the repayment period stated in the credit contract, or students who pledge to pay debt can not afford to pay off the loan principal and interest due to objective reasons, the student or his commitment to repay instead send a written request to adjust the repayment period to the Bank to consider adjusting the debt repayment period, if not adjusted term debt, the Bank transferred the loan to overdue it.
2. When the time of final payment as stated in the credit agreement, if students can not afford the full repayment due to objective reasons and also pledged to pay debt can not afford to repay, the school Birth or committed to pay the debt must send a written request to extend loans to banks, for banks to consider rescheduling the maximum term is two years from the time of final payment, if not further term debt, the Bank transferred the loan to overdue it.
3. The proposed maturity of the debt adjustment, debt rescheduling or the student's commitment to pay debts and the settlement of the Bank must be made before the debts become due.
Article 13. Reduction of loan interest rate
1. Students pay all principal and interest loan repayment before the contractual end credit also reduced loan interest paid to date to pay off debt:
a. Prepayment of 4 years was reduced by 30%.
b. Prepayment from 3 years to less than 4 years was reduced by 20%.
c. Prepayment from 2 years to less than 3 years was 15%.
d. Prepayment from 1 year to less than 2 years was reduced by 10%.
e. Prepayment under 1 year are down 5%.
2. For students who lost property due to objective reasons and economic circumstances are difficult family's Committees of communes, wards or townships where the student resides after the course or where the family students residing confirmed only able to repay the principal and part interest, the Bank considered to reduce loan interest for students, the maximum reduction is 50% longer have to pay loan interest.
3. Bank interest-free loan for the case of students at risk because of objective reasons in accordance with the Ministry of Finance on the financial management regime for the credit fund training.
Article 14. Rights and obligations of the Bank
1. Bank may:
a. Ask students who pledge to pay debt and instead provide sufficient information relating to the borrowing and repayment of the student.
b. Deny the request of the student loans, if students are not eligible loan or credit funds are not training enough capital to lend.
c. Ended lending, debt collection ahead of time in the following cases: students found providing false information, breach of contract credit student transfer, drop out of school, be removed from schools student list. d. Student loan lawsuit for breach of contract or committed credit debt rather than the obligation to pay debts as prescribed by law.
e. Reduction of loan interest, adjustable-term debt, rescheduling done in accordance with these Regulations.
e. Send a message to the commitment to pay debts or unit where students work after finishing the course to urge repayment.
2. Banks are obliged to:
a. Implement agreed upon in the credit agreement;
b. Store credit profile consistent with the provisions of law.
Article 15. Rights and obligations of students
1. Students have the right:
a. Refuse the request of the Bank of regulations of this Regulation and the commitments in the credit agreement;
b. Complaints and lawsuits for violating the credit agreement as prescribed by law.
2. Students are obliged to:
a. Provide full and truthful information and documents relating to the loan and promptly notify a change of residence or place of work after finishing the course to banks responsible for the legitimacy accuracy of the information and documents provided.
b. Use of loan purposes and to comply with the commitments in the credit agreement and debt commitment papers.
c. After completing the course in 10 days, student loans owed to banks to make written commitments to pay principal and interest loan, which clearly contacts, money transfer payment method, students Paper submitted commitments for schools to carry out the procedures to get her diploma.
d. Responsible before the law fails to comply with the commitments on the repayment of principal and interest loan.
Article 16. Responsibility of the commitment to pay debts
1. Committed to debt repayment instead of the written request of the student loans as prescribed in Paragraph 1 of Article 9 of this Regulation.
2. Repayment of loan principal and interest on behalf of students in the following cases: students do not repay on time, transfer students, out of school, the school was removed from the list of students to prepayment without have the ability to repay.
3. Provide accurate information about the situation, place of residence and work after finishing the course the student to the Bank.
4. Send a request to reschedule, adjust the term of the debt to the Bank on behalf of students in case the repayment period can not be returned by students to objective reasons and did not send written request to the Bank.
Article 17. Responsibilities of schools
1. Confirmed in the written request of the student loans in accordance with Paragraph 1 of Article 9 of this Regulation.
2. Make a list of students eligible to submit bank loans and take responsibility for the accuracy and correctness of this list.
3. Informed promptly, accurate and complete to the bank transfer list student, left school, are disciplined, have their names deleted, suspended and forced out of school.
4. Coordination with the Bank in the inspection and monitoring process of borrowing and use of student loans.
5. Notify the Bank end exams or defend theses of students to make molds for bank loan interest calculated in accordance with paragraph 6 of Article 2 and Paragraph 1 of Article 11 of this Regulation.
6. Ask students to submit written commitment to repay the certification of the bank before they graduated and returned to student records.
7. Ask students outstanding bank loan to pay off the debt in case of transfers, dropped out of school, be removed from the list of students.
Article 18. Responsibilities of People's Committees of communes, wards and towns
1. Confirmed in the written request of the student loans in accordance with Paragraph 1 of Article 9 of this Regulation.
2. Debt and urge the implementation of administrative measures for students who pledge to pay debt, after receiving the written request of the Bank of the students do not pay debts on time.
3. Notify the bank about the change of residence, workplace, and new students who commit to debt payment.
Article 19. Organization of implementation
1. Bank loans are assigned to students pursuant to provisions of the Civil Code, Law on Credit Institutions and Regulation This paper pre-printed forms for loan, credit agreement, written commitment repayment of the student to develop procedures for student loans.
2. Bank loans are assigned to students, student loans, the repayment commitment to change students, schools, the People's Committees of communes, wards and townships have the responsibility to implement the provisions of Regulation this regime.
3. Heads of units under the State Bank, director of the State Bank branches in provinces and cities responsible for inspection and supervision of bank loans are assigned to students according to their functions and tasks assigned.
4. The amendment and supplement this Regulation by the State Bank decision. /.
STATE BANK GOVERNOR
(Signed)
Le Duc Thuy
By State Bank of Viet Nam
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