Reasons why many real estate businesses issued bonds and were fined

Gia Miêu |

Many real estate businesses continuously issued bonds and were fined for using capital for wrong purposes.

Recently, Nam Rach Chiec Co., Ltd. - the investor of Palm City Urban Area with a scale of more than 30 hectares - was fined 175 million VND by the State Securities Inspectorate for improperly using the money collected from the private placement of bond code NRCCH2125001 dated December 10, 2021.

Out of a total of 1,300 billion VND mobilized, Nam Rach Chiec used more than 10 billion VND in the period from the fourth quarter of 2021 to the third quarter of 2024 for regular activities, instead of implementing the approved issuance plan and disclosing information to pay loans according to regulations.

It is known that Nam Rach Chiec Co., Ltd.was initially a joint venture between 3 partners, including Keppel Land - a subsidiary of Keppel Group, Tien Phuoc Real Estate Joint Stock Company, Tran Thai Real Estate Co., Ltd.

In March 2022, Keppel Land withdrew from the joint venture after transferring all 42% of capital in Flemmington Investments Pte Ltd - the unit representing Keppel's capital with a transaction value of 98.6 million USD.Similarly, the State Securities Inspectorate has also just fined Construction Development Investment Corporation (DIC Corp) 175 million VND for using the money collected from the private placement of securities not in accordance with the plan approved by the Board of Directors and the content disclosing information to investors.

The enterprise used 520.5 billion VND out of a total of 600 billion VND collected from the private bond issuance code DIGH2326001 on December 29, 2023 to buy shares of DIC Tourism Joint Stock Company with the amount of 200 billion VND and pay principal and interest on DIGH2124003 bonds with the amount of 320.5 billion VND.

Meanwhile, according to the issuance plan approved by the Board of Directors and information disclosed, this amount is used to implement the Long Tan Tourist Urban Area Project in Dong Nai province.

Another giant, Hung Thinh Land Joint Stock Company, was also fined with a total amount of more than 310 million VND, due to many violations related to information disclosure and the obligation to register private enterprise bonds. In which, the enterprise was fined 175 million VND for disclosing false information about the situation of capital use collected from the issuance of bond code H79CH2124019.

Hung Thinh Land's reports stated that the mobilized money was used to increase the scale of operating capital through deposits to buy shares, contribute capital or cooperate in investing in real estate projects. However, records and account statements show that a part of the capital was used to pay taxes, buy bonds issued by Hung Thinh Quy Nhon Entertainment Services Joint Stock Company, pay principal interest on other bonds issued by the company, buy and sell shares, and cooperate in investment.

After the strong fluctuations in the 2022-2023 period, the biggest priority of the management agency is to restore confidence in the corporate bond market. In that context, with Decree 200/2026/ND-CP taking effect from June 5, 2026, it is expected to create a new turning point for the corporate bond market. However, according to experts' assessment, the biggest bottleneck of the market has not yet been resolved.

VIS Rating organization believes that the biggest structural weakness of the Vietnamese corporate bond market today is still the risk-based pricing mechanism. Although many regulations have been added, the market still lacks fundamental tools for investors to accurately determine the level of risk of each issuing organization.

A noteworthy fact is that most of the bonds issued on the market today have not yet been credited. According to VIS Rating estimates, the number of bonds that have been rated only accounts for about 1% of the total number of corporate bonds in circulation. Meanwhile, more than half of the privately issued bonds in recent years have been sold to institutional investors and are not required to be credited.

This makes risk valuation in the market largely still based on supply-demand relations and negotiations between parties, instead of based on standardized credit rating measures.

Gia Miêu
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