Thông tư 18/2025/TT-NHNN quy định về thu thập, khai thác, chia sẻ thông tin, báo cáo của Hệ thống thông tin phục vụ công tác giám sát hoạt động quỹ tín dụng nhân dân và tổ chức tài chính vi mô do Thống đốc Ngân hàng Nhà nước Việt Nam ban hành

CIRCULAR

PRESCRIBING COLLECTION, USE AND SHARING OF INFORMATION AND REPORTS ON INFORMATION SYSTEM SERVING SUPERVISION OF OPERATIONS OF PEOPLE’S CREDIT FUNDS AND MICROFINANCE INSTITUTIONS

Pursuant to the Law on the State Bank of Vietnam No. 46/2010/QH12, as amended by the Law No. 14/2022/QH15;

Pursuant to the Law on Credit Institutions No. 32/2024/QH15, as amended by the Law No. 43/2024/QH15;

Pursuant to the Government's Decree No. 26/2025/ND-CP defining functions, tasks, powers and organizational structure of the State Bank of Vietnam (SBV);

At the request of the Director of the Department of System Safety Supervision of Credit Institutions;

The Governor of the State Bank of Vietnam promulgates a Circular prescribing collection, use and sharing of information and reports on information system serving supervision of operations of people’s credit funds and microfinance institutions.

Chapter I

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Article 1. Scope

This Circular introduces regulations on the collection, use and sharing of information and reports on the Information System serving supervision of operations of people’s credit funds and microfinance institutions (hereinafter referred to as “supervisory information System”) to serve management, licensing, inspection and supervision of people’s credit funds and microfinance institutions.

Article 2. Regulated entities

1. People’s credit funds.

2. Microfinance institutions.

3. Cooperative Bank of Vietnam.

4. Deposit Insurance of Vietnam.

5. Affiliated units of the State Bank of Vietnam (hereinafter referred to as “SBV”) involved in the collection, use and sharing of information and reports on the supervisory information System.

6. Other organizations and individuals involved in the collection, use and sharing of information and reports on the supervisory information System.

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SBV’s Governor shall promulgate the list of information and reports to be provided to the supervisory information System in each period of time, including the following information and report groups:

1. Information and reports provided by people’s credit funds and microfinance institutions, including:

a) Information on identification of borrowers and depositors;

b) Information on affiliated persons of borrowers;

c) Information on lending activities; 

d) Personnel information;

dd) Information on members;

e) Collateral information;

g) Information on settlement of on-balance sheet bad debts;

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i) Financial statements;

k) Other information.

2. Information and reports provided by the Department of System Safety Supervision of Credit Institutions, SBV Inspectorate, Credit Institution Management and Supervision Department, and SBV’s branches in charge of Regions where people’s credit funds are headquartered (hereinafter referred to as “SBV’s regional branch”).

3. Information obtained from information systems managed by SBV’s affiliated units:

a) SBV’s statistical reporting system;

b) Information system serving remote supervision;

c) Credit information system;

d) Other information systems.

Article 4. Methods of providing information and reports

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a) People’s credit funds shall send information and reports through the supervisory information System according to guidelines given by the Information Technology Department;

b) Microfinance institutions shall send information and reports through the SBV’s statistical reporting system according to guidelines given by the Information Technology Department.

2. Any people’s credit fund that fails to meet requirements for sending information and reports according to provisions of point a clause 1 of this Article shall comply with the following provisions:

a) Send information and reports through functions of the supervisory information System according to guidelines given by the Information Technology Department;

b) Complete upgrading of its information system to ensure satisfaction of the requirements for sending information and reports to SBV within 03 months from the day on which the supervisory information System is put into official operation.

3. In case the information system of a people’s credit fund encounters a problem causing interruption to its submission of information and reports:

a) It shall send a notice of problem and physical information and reports to the SBV’s regional branch;

b) Where the people’s credit fund is capable of generating information and reports, and maintains a network connection to SBV, it shall send information and reports through functions of the supervisory information System according to guidelines given by the Information Technology Department;

c) Within 24 hours from its completion of the problem resolution, the people’s credit fund shall send a written notice thereof to the relevant SBV's regional branch, and continue sending information and reports according to point a clause 1 of this Article.

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a) It shall send a notice of its incapacity to meet requirements for connection with the supervisory information System, and physical information and reports to the SBV's regional branch;

b) Where the people’s credit fund is capable of generating information and reports, and maintains a network connection to SBV, it shall send information and reports through functions of the supervisory information System according to guidelines given by the Information Technology Department.

5. The Department of System Safety Supervision of Credit Institutions, SBV Inspectorate, Credit Institution Management and Supervision Department, and SBV’s regional branches shall provide the information and reports specified in clause 2 Article 3 of this Circular through functions of the supervisory information System according to Regulations on management, operation and use of the supervisory information System.

6. The information systems specified in clause 3 Article 3 of this Circular shall be connected and share information and reports with the supervisory information System by means of technical solutions appropriate to each system according to guidelines given by the Information Technology Department.

Article 5. Frequency and time limits for sending information and reports

1. Frequency and time limits for sending information and reports are specified in the List of information and reports to be provided to the supervisory information System.

2. If the deadline for sending a report falls on a public holiday, Tet holiday, or weekend, the deadline for sending a report shall be the business day following such holiday or weekend.

Article 6. Procedures for submission, approval, tracing and processing of electronic reports

1. Procedures for submission, approval, tracing and processing of electronic reports of microfinance institutions shall comply with SBV’s regulations on statistical reporting.

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a) Upon receipt of information and reports from a people’s credit fund as prescribed in clause 1 Article 3 of this Circular, the supervisory information System shall automatically check and verify the employed calculation formulas, accuracy, rationality, and compliance of such information and reports with established data rules. In case of successful verification, information and reports shall be updated into the database of the supervisory information System for further use. If the information or report is found to have errors, an electronic notice of such errors shall be automatically sent from the supervisory information System to the people’s credit fund.

b) Within 03 business days from its receipt of the electronic notice as prescribed in point a of this clause, the people’s credit fund must check, review and rectify the information/report as requested, and resend the complete information/report;

c) Within 06 business days from the deadline for sending a report as prescribed in Article 5 of this Circular, the function for sending information and reports on the supervisory information System shall be automatically locked. After the function for sending information and reports on the supervisory information System has been automatically locked, the relevant SBV’s regional branch may, at the written request of the people’s credit fund, consider reasons for its late submission of information/reports, and decide whether the function for sending information and reports on the supervisory information System is unlocked to continue receiving information/reports from the people’s credit fund.

d) If any error is found during the access to and use of information and reports, the SBV’s regional branch shall send an electronic trace request to the people’s credit fund, and unlock the function for sending information and reports (if it has been automatically locked), and also provide the people’s credit fund with the reasons why it has to resend the information and reports. Within 03 business days from its receipt of the electronic trace request, the people’s credit fund must resend the information and reports.

3. In case the information and reports of a people’s credit fund are not subject to provisions of point a clause 2 of this Article, the following procedures for submission, approval, tracing and processing of information and reports shall be employed:

a) Within 03 business days from the deadline for sending information and reports prescribed in Article 5 of this Circular, the SBV’s regional branch shall check and approve the information and reports received from the people’s credit fund. If any error is found, the SBV’s regional branch shall send an electronic trace request to the people’s credit fund.

b) Within 03 business days from its receipt of the electronic trace request as prescribed in point a of this clause, the people’s credit fund must check, review and rectify the information/report as requested, and resend the complete information/report;

c) Immediately upon its receipt of the information and reports resent by the people’s credit fund as prescribed in point b of this clause, the SBV’s regional branch shall check and approve such received information and reports for updating into the database of the supervisory information System;

d) Provisions of points c and d clause 2 of this Article shall apply accordingly.

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1. Retain and add information to operational databases so as to ensure management of adequate information in accordance with regulations of law and their internal regulations.

2. Ensure readiness for connection and submission of information and reports as prescribed in clause 1 Article 3 of this Circular.

3. The information system of a people’s credit fund must meet requirements for connection with the supervisory information System according to technical standards issued by SBV.

Article 8. Use and sharing of information and reports

1. For SBV’s affiliated units:

a) SBV’s regional branches are entitled to access all information, reports, and outputs on the supervisory information System of people’s credit funds that are headquartered in their regions;

b) SBV Inspectorate, and the Credit Institution Management and Supervision Department are entitled to access all information, reports, and outputs on the supervisory information System of people’s credit funds and microfinance institutions;

c) Other SBV’s affiliated units that wish to access information, reports, and outputs on the supervisory information System must send written requests to the Department of System Safety Supervision of Credit Institutions for consolidation and submission to SBV's Governor to seek his/her approval.

2. For Deposit Insurance of Vietnam and Cooperative Bank of Vietnam:

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b) Sharing of information and reports to Deposit Insurance of Vietnam and Cooperative Bank of Vietnam shall be made by means of connection between information systems according to guidelines given by the Information Technology Department;

c) Scope of information and reports to be shared:

- Deposit Insurance of Vietnam shall be provided with information and reports in conformity with regulations of law on information sharing between SBV and Deposit Insurance of Vietnam;

- Cooperative Bank of Vietnam shall be provided with information and reports of people’s credit funds to serve the purposes of capital trade-off, internal audit, inspection and supervision of safety of the system of people’s credit funds;

d) Information and reports shared must comply with relevant regulations of law on personal data protection.

3. Information and reports on the supervisory information System shall be shared with SBV’s general data warehouse.

Article 9. Regulations on management, use of and access to supervisory information System and Procedures for administration and operation of supervisory information System

1. SBV’s Governor shall issue Regulations on management, use of and access to supervisory information System which shall, inter alia, include:

a) General introduction and components of the supervisory information System;

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c) General principles for management, use of and access to the supervisory information System;

d) Information system security during management, use of and access to the supervisory information System;

dd) Access to and use of each component of the supervisory information System, description of business processing steps and participants in business processes;

e) Responsibilities of relevant units;

g) Other contents.

2. The Information Technology Department shall issue Procedures for administration and operation of supervisory information System which shall, inter alia, include:

a) General introduction of technical infrastructure of the supervisory information System;

b) Scope, responsibilities of users, operators and administrators of the supervisory information System;

c) General principles for administration and operation of the supervisory information System;

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dd) Procedures for handling of incidents; 

e) Protection of confidentiality of information and reports during the collection, use and sharing thereof in accordance with regulations of law;

g) Responsibilities of relevant units;

h) Other contents.

Chapter II

RESPONSIBILITIES OF RELEVANT UNITS

Article 10. Responsibilities of Information Technology Department

1. Play the leading role in building, developing and providing instructions on the supervisory information System to ensure the collection, use and sharing of information and reports in accordance with this Circular.

2. Provide guidance for people’s credit funds for compliance with the provisions of point a clause 1, point a clause 2, point b clause 3 and point b clause 4 Article 4 of this Circular.

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4. Provide guidance on connection and collection of information from information systems as prescribed in clause 6 Article 4 of this Circular.

5. Act as a focal point in formulating and submitting technical standards to SBV’s Governor for promulgation as prescribed in clause 3 Article 7 of this Circular.

6. Ensure relevant units’ accessibility to the information and reports on the supervisory information System as prescribed in clause 1 Article 8 of this Circular.

7. Ensure confidentiality of information and reports, as well as readiness for connection and sharing of information and reports as prescribed in clause 2 Article 8 of this Circular.

8. Act as a focal point in charge of developing and promulgating Procedures for administration and operation of the supervisory information System as prescribed in clause 2 Article 9 of this Circular.

9. Cooperate with the Department of System Safety Supervision of Credit Institutions in formulating Regulations on management, use of and access to the supervisory information System as prescribed in clause 1 Article 9 of this Circular.

10. Cooperate with the Department of System Safety Supervision of Credit Institutions in implementing provisions of clause 4 Article 11 of this Circular.

Article 11. Responsibilities of Department of System Safety Supervision of Credit Institutions

1. Act as a focal point in charge of submitting the list of information and reports to be provided to the supervisory information System to SBV’s Governor.

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3. Discharge the responsibility to provide information and reports for the supervisory information System as prescribed in clause 2 Article 3 of this Circular.

4. Act as a focal point in charge of cooperating with the Information Technology Department in requesting SBV's Governor to make decisions on specific types of information and reports of people’s credit funds to be submitted following the procedures set out in clause 3 Article 6 of this Circular, and notify them to relevant SBV’s regional branches.

5. Act as a focal point in charge of receiving requests for access to and sharing of information and reports as prescribed in point c clause 1, point a clause 2 Article 8 of this Circular, submit them to SBV's Governor for approval, and then send notification thereof to relevant units.

6. Act as a focal point in charge of formulating and submitting Regulations on management, use of and access to the supervisory information System to SBV's Governor for promulgation as prescribed in clause 1 Article 9 of this Circular.

7. Cooperate with the Information Technology Department in making connection and sharing of information and reports between the supervisory information System and the information system serving remote supervision.

8. Act as a focal point in charge of dealing with difficulties that may arise during the implementation of this Circular.

Article 12. Responsibilities of SBV Inspectorate

1. If any information or report of people’s credit funds and microfinance institutions needs to be modified or issued, SBV Inspectorate shall design forms of the reports which need to be modified or issued, and send them to the Department of System Safety Supervision of Credit Institutions.

2. Discharge the responsibility to provide information and reports for the supervisory information System as prescribed in clause 2 Article 3 of this Circular.

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4. Cooperate with the Department of System Safety Supervision of Credit Institutions in formulating Regulations on management, use of and access to the supervisory information System as prescribed in clause 1 Article 9 of this Circular.

Article 13. Responsibilities of Credit Institution Management and Supervision Department

1. If any information or report of people’s credit funds and microfinance institutions needs to be modified or issued, the Credit Institution Management and Supervision Department shall design forms of the reports which need to be modified or issued, and send them to the Department of System Safety Supervision of Credit Institutions.

2. Supervise the implementation of this Circular by microfinance institutions.

3. Discharge the responsibility to provide information for the supervisory information System as prescribed in clause 2 Article 3 of this Circular.

4. Cooperate with the Department of System Safety Supervision of Credit Institutions in formulating Regulations on management, use of and access to the supervisory information System as prescribed in clause 1 Article 9 of this Circular.

Article 14. Responsibilities of SBV's regional branches 

1. If any information or report of people’s credit funds and microfinance institutions needs to be modified or issued, SBV's regional branches shall design forms of the reports which need to be modified or issued, and send them to the Department of System Safety Supervision of Credit Institutions.

2. Carry out inspection and supervision of the implementation of this Circular by people’s credit funds.

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4. Cooperate with the Department of System Safety Supervision of Credit Institutions in formulating Regulations on management, use of and access to the supervisory information System as prescribed in clause 1 Article 9 of this Circular; cooperate with the Information Technology Department in formulating Procedures for administration and operation of the supervisory information System as prescribed in clause 2 Article 9 of this Circular.

Article 15. Responsibilities of other SBV’s affiliated units

SBV’s affiliated units that are assigned by SBV’s Governor to manage the information systems as prescribed in clause 3 Article 3 of this Circular shall cooperate with the Information Technology Department in making connection with and collection of information and reports of the supervisory information System.

Article 16. Responsibilities of units entitled to access to and sharing of information and reports

1. Use information and reports to perform their functions and tasks in accordance with regulations adopted by SBV’s Governor and regulations of law.

2. Properly manage and use information and reports for their intended purposes, and comply with regulations of law on protection of information confidentiality.

3. Notify any errors found during their use of information and reports to the Department of System Safety Supervision of Credit Institutions for cooperating with the Information Technology Departments in carrying out review and taking appropriate actions.

Chapter III

IMPLEMENTATION PROVISIONS

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1. This Circular comes into force from September 15, 2025.

2. People’s credit funds and microfinance institutions shall provide information and reports in accordance with SBV’s regulations and requirements regarding statistical reporting while the supervisory information System is yet to be put into operation.

Article 18. Implementation organization

SBV’s affiliated units, the National Credit Information Center of Vietnam, Deposit Insurance of Vietnam, Cooperative Bank of Vietnam, people’s credit funds and microfinance institutions are responsible for the implementation of this Circular./.

PP. GOVERNOR
DEPUTY GOVERNOR




Pham Tien Dung