On March 28, 2017, with the introduction of Circular 39 on Loan Regulations for Credit Institutions, the Faculty of Banking organized a seminar with the topic "Exchange on issued basis and practical application of Circular 39 on Regulations on lending to credit institutions "at City University of Banking. Ho Chi Minh.Attending the seminar were Mr. Vo Van Thuan - Deputy Director of City Supervision Department. Ho Chi Minh; Mr. Ho Viet Phuoc - Director of Risk Management Department of Sacombank, TS. Bui Dieu Anh - Head of the Banking Department, and lecturers and researchers are studying at the Banking University.After the opening remarks, Mr. Vo Van Thuan - the representative of the State Bank, expressed his opinion on the management viewpoint of the SBV through Circular 39 as well as affirmed the necessity of issuing Circular 39. In the context of the lending market of credit institutions has developed very quickly in recent years. New points of the Circular are also analyzed in detail and detail by Mr. Thuan.The participants of the seminar then had a discussion about the contents surrounding Circular 39. The seminar showed the overall views of the participants: (i) with the researchers and teaching, TT39 poses concerns about the contradiction between the content of scientific terms and the practical application of commercial banks; (ii) with commercial banks to set up tasks to be completed in terms of procedures and documents to meet regulations in terms of business and state management; (iii) with the SBV, the exchange opinions will help the SBV better understand the viewpoint to recommend to related parties to improve the role of state management.