{"id":39707,"date":"2024-06-06T17:15:13","date_gmt":"2024-06-06T10:15:13","guid":{"rendered":"https:\/\/anvilaw.com\/vi\/?p=39707"},"modified":"2024-10-01T17:16:37","modified_gmt":"2024-10-01T10:16:37","slug":"3-750-credit-growth-quota-policy-needs-to-ensure-safety-of-banking-system","status":"publish","type":"post","link":"https:\/\/anvilaw.com\/vi\/3-750-credit-growth-quota-policy-needs-to-ensure-safety-of-banking-system\/","title":{"rendered":"3.750. Credit growth quota policy needs to ensure safety of banking system"},"content":{"rendered":"

Credit growth quota policy needs to ensure safety of banking system<\/span><\/h4>\n
(VNN) – The State Bank of Vietnam (SBV) this year removed\u00a0the credit growth quota for\u00a0foreign banks, but the policy remains for Vietnamese banks, due to concerns about rising bad debts, the security of the banking system and macroeconomic instability.<\/strong><\/h5>\n\n\n\n\n
\"Credit<\/td>\n<\/tr>\n
A bank teller counts money at a transaction office in H\u00e0 N\u1ed9i. If banks increase credit without control measures, the banking system may return to a state of overheating credit growth like before the 2011 period. Photo cafef.vn<\/em><\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n

In a recent report sent to the National Assembly, the SBV said prior to 2023, it applied quotas for all banks, domestic and foreign.<\/p>\n

However, it eliminated the policy for foreign banks and branches this year, while retaining it for Vietnamese banks.<\/p>\n

The credit growth quota regime, or putting a cap on the credit expansion of each bank, was officially deployed in 2011 when Vi\u1ec7t Nam\u2019s economy was experiencing hyperinflation stemming from excessive money supply.<\/p>\n

The credit growth quota regime was announced by the SBV at the beginning of each year.<\/p>\n

Based on the annual credit growth target for the entire banking industry, the SBV will allocate the credit growth quota for each commercial bank, depending on its financial health indicators such as capital levels, asset quality, governance, business performance results, liquidity and sensitivity to market risks.<\/p>\n

The SBV will also consider other criteria related to the bank\u2019s implementation in meeting the Government and SBV\u2019s policies and orientations to give credit growth priority, such as reducing lending interest rates to support firms and people, focusing loans on business and production, and participating in supporting the handling of weak banks.<\/p>\n

However, not all banks were satisfied with the SBV\u2019s credit growth quota allocation, with some having a high credit growth and therefore often running out of the allocated quota earlier.<\/p>\n

Those banks were concerned that the quota regime was applied subjectively by the SBV, without properly looking at the development plan of individual banks, which didn’t always conform to the market-oriented economy, resulting in \u2018ask-and-give\u2019 deals.<\/p>\n

The banks believed they could map out their own credit growth targets based on their financial strength and governance capacity.<\/p>\n

According to the SBV, it must continue to allocate the credit growth quota for Vietnamese banks in 2024, because it sees there are still many difficulties and obstacles if the policy is removed.<\/p>\n

First, the SBV explained, inflationary pressure still exists, which causes challenges for the SBV\u2019s management of monetary and credit policies.<\/p>\n

Therefore, maintaining the credit growth cap tool can contribute to inflation control, economic growth promotion and macroeconomic stability.<\/p>\n

In addition, according to the SBV the Vi\u1ec7t Nam economy mainly depends on capital of banks. The pressure to balance capital for the economy continues to weigh heavily on the banking system, posing potential risks of term and liquidity gaps.<\/p>\n

Under Vi\u1ec7t Nam’s specific economic conditions, if banks increase credit without control measures, the banking system may return to a state of overheating credit growth like before the 2011 period, the SBV said in the report.<\/p>\n

The SBV said the removal of the credit growth cap can lead to a risk of rising bad debts and threaten the safety of the banking system, which will cause a macroeconomic instability.<\/p>\n

The removal of the measure needs to be considered carefully, and perhaps in small steps, in accordance with market conditions.<\/p>\n

Instead of removing the policy, the SBV said it has implemented the application of safety criteria related the allocation of credit according to international standards in the operations of credit institutions.<\/p>\n

Experts also agreed, saying the credit growth quota is designed to boost lending for some banks without encouraging excessive credit growth so the measure is necessary and effective in the short term to stabilise the macroeconomy and control inflation.<\/p>\n

Lawyer<\/span><\/a>\u00a0<\/span>Tr\u01b0\u01a1ng Thanh \u0110\u1ee9c<\/a><\/span>,<\/span> director of ANVI<\/a><\/span><\/strong> \u00a0<\/span><\/span>Law Firm<\/a><\/span>, said the country\u2019s banking industry had huge volatility when credit growth reached 51.39 per cent in 2007.<\/em><\/p>\n

According to \u0110\u1ee9c, risks related to bad debts and inflation often arise later in Vi\u1ec7t Nam than in other countries. Unlike many other countries, high inflation in Vi\u1ec7t Nam is particularly difficult to control and is much more heavily influenced by market sentiment and confidence than elsewhere. Vi\u1ec7t Nam experienced bitter lessons in the past and any economic growth will become meaningless if inflation is high.<\/em><\/p>\n

It is necessary to impose the credit growth quota and the central bank shouldn\u2019t change the regime, \u0110\u1ee9c said. Adding that if the policy is removed, it must be replaced by another similar measure.<\/em><\/p>\n

According to the SBV\u2019s report, credit by May 10 this year increased by 1.95 per cent, equivalent to more than VN\u0110264.4 trillion, compared to the beginning of this year.<\/p>\n

SBV has put up a target for credit growth this year of 14-15 per cent, equivalent to roughly VN\u01102 quadrillion. Commercial banks are gradually stimulating capital demand through a preferential interest rate programmes for both corporate and individual customers. \u2014 VNS<\/p>\n

————-<\/em><\/p>\n

Vietnamnet (Global) ng\u00e0y 03-6-2024:<\/em><\/strong><\/p>\n

https:\/\/vietnamnet.vn\/en\/credit-growth-quota-policy-needs-to-ensure-safety-of-banking-system-2287253.html<\/a> <\/em><\/p>\n

(126\/838)<\/em>","protected":false},"excerpt":{"rendered":"

Credit growth quota policy needs to ensure safety of banking system (VNN) – The State Bank of Vietnam (SBV) this year removed\u00a0the credit growth quota for\u00a0foreign banks, but the policy remains for Vietnamese banks, due to concerns about rising bad debts, the security of the banking system and macroeconomic instability. A bank teller counts money […]<\/p>\n","protected":false},"author":2,"featured_media":39708,"comment_status":"closed","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":""},"categories":[17,26],"tags":[36],"class_list":["post-39707","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-binh-luan-gop-y","category-legal-media","tag-luat-su-ngan-hang"],"acf":[],"yoast_head":"\n3.750. 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