Document from CIS Legislation database © 2003-2024 SojuzPravoInform LLC

RESOLUTION OF BOARD OF NATIONAL BANK OF THE REPUBLIC OF KAZAKHSTAN

of November 28, 2019 No. 217

About approval of Rules of provision of the microcredits by electronic method

(as amended on 29-03-2024)

According to the Law of the Republic of Kazakhstan "About microfinancial activities" the Board of National Bank of the Republic of Kazakhstan DECIDES:

1. Approve the enclosed Rules of provision of the microcredits by electronic method.

2. To provide to department of methodology and regulation of the financial organizations in the procedure established by the legislation of the Republic of Kazakhstan:

1) together with Legal department state registration of this resolution in the Ministry of Justice of the Republic of Kazakhstan;

2) placement of this resolution on official Internet resource of National Bank of the Republic of Kazakhstan after its official publication;

3) within ten working days after state registration of this resolution submission to Legal department of data on execution of the actions provided by the subitem 2) of this Item and Item 3 of this resolution.

3. To department of external communications - the press service of National Bank to provide within ten calendar days after state registration of this resolution the direction it to the copy on official publication in periodic printing editions.

4. To impose control of execution of this resolution on the vice-chairman of National Bank of the Republic of Kazakhstan Smolyakov O. A.

5. This resolution becomes effective since January 1, 2020 and is subject to official publication.

Chairman of National Bank

E.Dosayev

Approved by the Resolution of Board of National Bank of the Republic of Kazakhstan of November 28, 2019 No. 217

Rules of provision of the microcredits by electronic method

Chapter 1. General provisions

1. These rules of provision of the microcredits are developed by electronic method (further - Rules) according to Item 3-1 of article 3 of the Law of the Republic of Kazakhstan "About microfinancial activities" (further - the Law) and determine procedure for provision of the microcredits by electronic method.

2. In Rules the concepts provided by the Law and also the following concepts are used:

1) the automated information system - the information system automating provision of the microcredits by electronic method in the organization performing microfinancial activities;

2) authentication - the procedure of check of authenticity of the client, electronic messages and other documents, including electronic copies of the documents necessary for provision of the microcredit and also determining the client and content of its declaration of will;

3) debt - amount of debt on the microcredit, including the amounts of remaining balance of principal debt, the added, but not paid remuneration, penalty (penalties, penalty fee) provided by the agreement on provision of the microcredit signed with the borrower;

4) biometric identification - package of measures, identifying the personality based on physiological and biological invariable signs;

5) the one-time password - the password valid only for one session of authentication of subjects of receipt of services electronically;

6) two-factor authentication - the authentication performed using two of three various factors: knowledge, ownerships, inherence;

7) private office - the multipurpose protected service of the automated information system providing interaction between the organization performing microfinancial activities and the client;

8) the client - the physical person or legal entity which concluded with the organization performing microfinancial activities, the agreement on provision of the microcredit or gave (intending to submit) the application on receipt of the microcredit;

9) identification of the client - the procedure of provision by the client of the identification data with the purpose of carrying out its further authentication;

10) mobile application - the software product used on the subscriber structure of cellular communication and providing access to private office by means of services of cellular communication or the Internet;

11) the identifier - the unique digital, alphabetic or containing other symbols code assigned for the client for logging into the personal account;

12) the center of exchange of identification data (CEID) - the operational center of interbank money transfer system providing interaction with the financial organizations for data exchange of clients from available sources for holding procedures of identification of clients;

13) smart card - plastic card with the built-in chip;

14) the terminal - the electronic and mechanical device intended for implementation of the transactions connected with provision of the microcredits;

15) token - the device intended for ensuring information security of the user, and also for identification of its owner, safe remote access to information resources;

16) authorized body - the state body performing state regulation, control and supervision of the financial market and the financial organizations;

17) the web portal of "the electronic government" - the information system representing single window of access to all consolidated government information including the regulatory legal base, and to the state services, services in issue of specifications on connection to the networks of subjects of natural monopolies and services of subjects of the quasi-public sector rendered electronically.

Chapter 2. Provision of the microcredits by electronic method

3. The transactions connected with provision of the microcredits by electronic method are performed with use of the automated information system conforming to requirements of Chapter 3 of these rules in private office of the client on Internet resource, in mobile application and (or) terminals of the organization performing microfinancial activities.

4. In 10 (ten) working days prior to opening of Internet resource, mobile application and (or) the terminal by means of which provision of the microcredits is performed by electronic method the organization performing microfinancial activities notifies on it authorized body.

The notification sent to authorized body contains:

1) the name of Internet resource, mobile application and (or) the location of the terminal of the organization performing microfinancial activities;

2) the list of services (transactions) which are possible for providing by means of Internet resource, mobile application and (or) the terminal of the organization performing microfinancial activities;

3) information on availability at the organization performing microfinancial activities, the approved procedures of safety and information security from unauthorized access in case of provision of services by means of Internet resource, mobile application and (or) the terminal with appendix of supporting documents.

Warning!!!

This is not a full text of document! Document shown in Demo mode!

If you have active License, please Login, or get License for Full Access.

With Full access you can get: full text of document, original text of document in Russian, attachments (if exist) and see History and Statistics of your work.

Get License for Full Access Now

Disclaimer! This text was translated by AI translator and is not a valid juridical document. No warranty. No claim. More info

Effectively work with search system

Database include more 50000 documents. You can find needed documents using search system. For effective work you can mix any on documents parameters: country, documents type, date range, teams or tags.
More about search system

Get help

If you cannot find the required document, or you do not know where to begin, go to Help section.

In this section, we’ve tried to describe in detail the features and capabilities of the system, as well as the most effective techniques for working with the database.

You also may open the section Frequently asked questions. This section provides answers to questions set by users.

Search engine created by SoyuzPravoInform LLC.