Abstract

This article analyzes the regulations on non-performing loans and the handling of collateral for non- performing loans under the Law on Credit Institutions (Luật Các tổ chức tín dụng) 2024, focusing on the new points and their impact on credit institutions (CIs) and foreign bank branches. The article also addresses challenges in practical application, including legal conflicts with civil regulations, difficulties in handling collateral, and the impact on the financial system. Finally, the author offers several proposals to improve the legal framework and enhance the effectiveness of handling bad debts in the coming time.

Keywords: Non-performing loans, collateral, credit institutions, Law on Credit Institutions 2024.