b) Executing the plans, projects of production and trading of exports as prescribed in the Commercial Law;

c) Serving the production and trading of medium and small enterprises as prescribed in the Government's Decree No. 56/2009/ND-CP dated June 30, 2009, on supporting the development of small-and medium- sized enterprises;

d) Developing the ancillary industries as prescribed in the Prime Minister’s Decision No. 12/2011/QD-TTg dated February 24, 2011 on the policies on the development of some ancillary industries;

e) Serving the production and trading of the high-tech enterprises as prescribed in the Law on High Technologies, and relevant laws.

Article 2. Responsibility of borrowers

1. The borrowers of credit institutions, branches of foreign banks eligible for the loan interest rates prescribed in Article 1 of this Circular are the borrowers that satisfy the loan conditions in accordance with the regulations of the State bank of Vietnam on the activities of loan provision by credit institutions and branches of foreign banks to their clients, and their financial conditions are considered transparent and healthy by the credit institution and branches of foreign banks.

2. The borrowers shall provide the information and documents proving the purposes of borrowing loans serving to the disciplines eligible for the loan interest rates prescribed in this Circular, and take responsibility before law for the truthfulness and accuracy of the information and documents provided.

...

...

...

1. Credit institutions and branches of foreign banks shall publicly post the loan interest rates, the criteria for identifying borrowers as prescribed in Clause 2 Article 1 and Clause 1 Article 2 of this Circular.

2. The credit institutions and branches of foreign banks that provide loans to the borrowers prescribed in this Circular in accordance with the laws on activities of loaning and the safety ratio in business in operation of credit institutions and branches of foreign banks, and other regulations of relevant laws; do not collect the fees related to the loans from clients, except for some fees prescribed in the Circular No. 05/2011/TT-NHNN dated March 10, 2011 of the Governor of the State bank of Vietnam, on the loaning fees collected by credit institutions applicable to borrowers.

Article 4. Implementation organization

1. This Circular takes effect on May 13, 2013, and supersedes the Circular No. 09/2013/TT-NHNN dated March 25, 2013 of the Governor of the State bank of Vietnam, on stipulating the maximum interest rate of the short-term loans in Vietnam dong of the credit institutions and foreign bank branches for loan customers to meet the funds demand to serve a number of areas and economic sectors

2. The loan interest rates in the credit contracts signed before this Circular takes effect shall remain unchanged in accordance with the signed credit contracts and law provision at the time of contract signing

3. For the loans not being prescribed in this Circular, credit institutions and branches of foreign banks shall comply with the Circular No. 12/2010/TT-NHNN dated April 14, 2010 of the Governor of the State bank of Vietnam, guiding on lending in Vietnamese dong at the agreement interest rate by credit institutions to their customers

4. The Chief Officer, the Director of the Monetary Policy Department, Heads of the units affiliated to the State bank of Vietnam, Directors of branches of the State bank at central-affiliated cities and provinces; Presidents of the Boards of Directors, the Member assembly, General Directors (Directors) of credit institutions and branches of foreign banks, and relevant organizations and individuals are responsible for the implementation of this Circular

...

...

...