Last time, when bad debt increased continuously in a way that the system, the central bank efforts to reduce this rate down to safety as quickly as possible by raising the required measures for risk provisions, tightening of regulations on loan classification and provisioning. This is a sound policy, effective, and also makes the handling of bad loans more transparent. To these provisions are implemented well in fact the central bank needs to strengthen oversight of credit activity in general and the work of loan classification, provisioning by the banks in particular, closely examine loans restructuring by decision 780 / QD-NHNN, prevent banks taking advantage of allowing debt restructuring to cover bad loans, avoiding risk provisioning. For violations of the central bank should introduce measures, strict sanctions.
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