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This is confirmed by the State of Bank (SBV) - Governor Nguyen Van Binh during a recent session with the Commission of the National Assembly. Even so, in fact, also according to official data provided from the SBV, as of the end of October, new credit growth reached 7.85%. Thus, during the last two months of the year, credit growth should reach at least from 4-6% more new credit growth targets of the completion in 2014..





According to credit reports, the head of the banking industry, there are many facilities to he can count as such. From the beginning of the year, the SBV has directed the SBV branches organize, deploy the Bank connection program-business in the local to extend credit and support the ENTERPRISES. Also, in coordination with the ministries concerned research and devising measures to handle problems related to credit activities. Besides, the TCTD also has launched more attractive credit programs and diversity, actively search for good customers to lenders.

On the other hand,  According to the credit reports, as of 30.9, system-wide credit rose 7.26% compared to the end of 2013. Compared to the 4.5% increase on 26.8, credit growth has 2.76% in more than a nudge, and the higher the level of 6.87% of the 9 months of the same period last year. In reporting the results of the third quarter/2014 of some URBAN COMMERCIAL shows, many URBAN COMMERCIAL credit growth are fairly compared with the second quarter/2014, even some NH achieved growth plan out all year.

Heads of State NHTMCP, as of 30.9, raising capital of the bank, there are 390,117 billion increase reached 17.67% from the beginning of the year, credit card debt help reaching 99% of the plan year, 300,324 billion loan. Profit before redundancy is 7,533 billion, up nearly 8 percent compared to the same period in 2013.

According to many credit experts, in times past, the SBV has made monetary policy flexible, proactive way, towards macro-economic stability and keep abreast of market developments. Can clearly see that the SBV has been harmonious and effective matching between the tool and the monetary volume of interest rates to control inflation at a reasonable level, macro stability, while supporting economic growth.

From the beginning of the year, the SBV regularly analyzes, reviews and forecasts available capital of the whole system of credit organizations as the basis for regulating the money supply, helping to ensure liquidity for the system consistent, medium level does not create pressure on inflation, has helped lower by interest rates on the market.

During the more than nine months beginning in 2014, the interest rate banks trading overnight frequently around 1.5%-2%/year, even at one point in the month decreased to approximately level 2.2014 1%, a record low level in many years. Banks lower interest rates on the one hand to create cheap, abundant capital, helping to reduce the cost of capital of credit organizations, contributing ground lending interest rates pulled the market down to a lower level.

With business credit card solution and results of bank industries over time, can believe that credit growth of SBV is relatively satisfactory, and this will contribute to difficulty, promote business development and credit restructuring in the direction of focus loan capital for the priority areas under the Government's undertakings.

Recently, the insolvency service, consecutive breaks occur at the local credit check companies come from black credit. So what is the black credit and why more and more black messy credit?




Black credit is the term or refers to the activities of the civil loan without going through the formal banking system. Black credit often occurred as the submarine activity, not noisy, but the implications of it, could be the ruin, there are even situations to secure the violence-filled debt, causing insecurity for social ...

A row in the local as Lang Son, Dien Bien Phu, insolvent cases are causing the formidable implications for people's lives. Most recently, credit reports show that the service people were receiving debt squeeze compensated hydraulic power in Quang Ngai province because of credit loans.

Business black credit is spreading from the North to the South, from the Plains to the mountains ... but all have one thing in common is the insolvent credit service occur largely black rural areas – where borrowers objects always use on the relationship the village neighbors even familiar relatives for loans more easily.

The lender, in addition to the important reason is intrigued by unusually high interest rates, credit card consolidation loan often also put great faith in the creditor because the think neighbor, her son or she wouldn't be able to trick yourself easily. But the reality from the insolvency service in a row indicate that "lenders by faith" is the main factor that brings great risks of disasters related to business credit card when that money, the real, that was surely not confidence is real.

If as in the third quarter, some banks, including foreign banks still lending real estate now almost all have closed this credit channels.




A client wishing to borrow 2 billion mortgages by Red Book road House is priced almost 20 billion in success (Hanoi), at the same time prove to be revenue credit monitoring from dozens of houses for rent.

Credit reports in the past week has brought record over 4-5 banks receive refusal. She said the beginning of the week ANZ agreed to lend but come mid-week announcement again closed this program.

Earlier, at the foreign bank, the customer has the Windows red, pink can do loan profile buying property easily. Loan duration wiht credit check companies can last 20 years. To the loan, the customer must make records, including papers on collateral relatives, papers, presented the purpose of the loan and have to prove income.

After receiving the customer's profile, a professional real estate company was appointed Bank asset valuation and will have a rank value for the Bank. Only 2 days, consultants for the right results and after 7 days of the credit loan will be disbursed.

Besides the proceeds from issuing activity and the payment card, the business credit card also had to leave out many types of expenses, including:




-The cost of machinery and equipment for the basis of acceptance of the credit card. This is the account the cost related to the fixed assets of the Bank. With the increasing development of science and technology, this costs accounted for a large proportion of the total cost of business credit cards by the speed of the depreciation of machinery and equipment.

This is a relatively major difficulties for the development of the market of card by the majority of the equipment must be imported from foreign countries have high scientific and technical level.

-Printing costs and a encrypting information, manage customer records: this costs relatively stable and accounted for a small proportion of credit reports.
-The fee to join the international card organization: this paragraph is fixed annually and hosted international cards regulation.

-The losses due to the risks arising
-Salaries of public employees to participate in active trading cards: relatively stable, this might increase according to the increase of the sales business credit card but its growth will be slower in growth of paid sales. Therefore, the proportion of salary and social welfare will decrease relative to the proportion of the cost of business cards.

-Other costs include: insurance costs related to credit reports fixed assets, the interest payments for the balance of the deposit account customers in the banking and other related costs, costs for advertising, Marketing the card products ...

In addition, if the Bank does not release enough of the card signed every year with the international credit card organizations shall also be subject to a fine in an amount corresponding to the number of available under the contract.

May said the cost for the card business is very big, therefore, manage costs is an indispensable work in the business credit card.

You are members of the www.otosaigoncom Forum? Or simply you are very passionate about cars? Starting from 01/07/2010 Sacombank's new credit policy for the credit card holder OS member as follows:



Auto TRANS-Viet joint stock company-www.otosaigon.com (OS) Executive Committee is pleased to introduce:

Aims to create a credit reports value for the Forum to meet the desired OS and there are differences in the

How to use the members ' cards as well as your OS, we did the same with Sacombank,

one of the current leading commercial joint stock Bank in Vietnam have created dedicated credit card

those who have passion with cars-credit card OS Member. In addition to the primary function is the credit card,

cardholders also enjoy these Member OS services special offer in areas such as: the car maker, dealer or

automotive garage, restaurants, hotels, shops, health ...

Credit card conditions:

-Cars from 9 seats and have the value from 300 million VND (16,000 USD)

-Personal owned Vehicle or car owned by businesses: PRIVATE COMPANY, Company, Ltd

a member whose membership is individual, Corporation ...

-Customer level cards have permanent residence there in Sacombank stay close

Credit limit:

-Maximum credit limit by 10% of the value of the car (by OS appraisal)

-Maximum credit limit is 150,000,000 vnd/customers

Credit card OS Member: simple procedures for individual subscribers:

If you already have a car?
-Why y roasted Parrot car (including parrots airport is currently in the Mortgage Bank)

-Copy of ID CARD or passport of credit reports family/medical raw bench

Let's try to imagine the prospect you have in hand a credit card "one-size-fits-all" the age of 20. You will be very happy to hold the "power" of finance giant-been shopping delight, no need to worry.

Today, there are still many people who are not familiar with the use of a credit card (credit card). With them, cash is still the number one. However, if you appreciate the benefits from using credit card that this card, please refer to and study 5 habits of credit card users.




You need to check your credit reports and FICO score on a regular basis. When considering the report, noting the unusual, the sign you've been stealing identities.

Always master the balance on each of credit card debt consolidation your credit cards-do this by checking your account online several times per week. Although the lookup online is very convenient, you can also print the report again to easily manage and track your spending.

Quay returned with "dream" back 20 years with credit card in hand. Why do you feel anxious, insomnia when receiving an invoice? Because you did not keep track of spending by your card. Is a wise card users, you will never be surprised when this Bill was received. Furthermore, you afford paying monthly balances in full-plate Bill what a normal letter for you.

In today's technological age, does not lack the tools you can use to control credit card spending for themselves as well as their families.

Once the Bills reach you, be quick to open the envelopes and read it. Read all payment transactions, ensure that they do not have problems related to credit reports. If any of the facts would not consistent, please immediately call the card providers to protect your rights.