Hai Duong strives to unblock bank credit flow

Vice Chairman of the Provincial People's Committee Tran Van Quan requested departments, branches, sectors, especially the banking sector and the business community to strengthen connections and coordination to jointly remove difficulties and unblock bank credit flows.

On the morning of April 10, comrade Tran Van Quan, member of the Provincial Party Committee, Vice Chairman of the Provincial People's Committee chaired a working session with the State Bank of Vietnam, the Provincial Tax Department, 2 Departments: Planning and Investment, Natural Resources and Environment; banks and enterprises in the area to promote bank credit, support enterprises in developing production and business.

Proactively and resolutely promote credit

At the conference, Vice Chairman of the Provincial People's Committee Tran Van Quan emphasized that departments, branches, localities and the banking sector continue to be proactive, drastic and flexible in their solutions to boost bank credit flows. The banking system continues to do a good job of mobilizing idle capital, expanding lending subjects, focusing credit capital to serve the development of industries and sectors, especially priority sectors. Continue to implement low-interest lending policies, simplify credit procedures, promote digital transformation in business processes, enhance dialogue and connection between banks and businesses, towards the ultimate goal of creating favorable conditions for people and businesses to promptly access bank credit capital.

Director of the State Bank of Vietnam's provincial branch, Nguyen Thi Hai Van, directed banks within their authority to specifically resolve difficulties and problems of businesses regarding loans.

In the context of credit capital growth not as expected in recent times, Vice Chairman of the Provincial People's Committee Tran Van Quan suggested that the banking sector needs to have a new approach, proactively approach customers, and work with customers to resolve difficulties and problems. Banks should review and classify loans related to the real estate sector, and have timely credit solutions for each customer and each project.

There are more appropriate and effective financial and credit management solutions for businesses outside the area but with production and business activities in Hai Duong, related to the province.

Director of Hai Duong Province Tax Department Do Cong Tien suggested that real estate enterprises be more proactive in mobilizing capital from many channels, thereby fulfilling tax payment obligations and avoiding incurring too large amounts of late payment.

Regarding credit loans for cage fish farming households, Vice Chairman of the Provincial People's Committee Tran Van Quan requested the banking sector to continue reviewing and coordinating with relevant units to research and advise on implementing appropriate support solutions in accordance with regulations.

Provincial departments, branches and sectors focus on resolving all difficulties in site clearance, coordinate with the tax sector to proactively encourage and urge investors to fulfill their financial obligations. Guide investors to complete the dossier for site clearance compensation payment; calculate and determine promptly and accurately the site clearance compensation amount deducted from land use fees and land rent, as a basis for calculating financial obligations for investors.

Representatives of Licogi 18 - Licogi 18.1 Joint Venture hope to soon deduct late tax payment to soon fulfill financial obligations.

On the business side, it is necessary to proactively coordinate with banks and seriously fulfill credit commitments.

Proposing a coordination mechanism and 3-party commitment

At the conference, some businesses raised difficulties and problems when borrowing capital from banks, due to the progress of site clearance, extension of project implementation time; questions about the issue of "issuing red books in a row" when implementing projects to have assets as collateral for bank loans; requesting banks to consider lowering lending standards; borrowing capital with assets formed in the future...

Ms. Tran Thu Huong, Deputy General Director of AAV Group Joint Stock Company, expressed her opinion at the conference.

Answering at the conference, leaders of the State Bank of Vietnam, the provincial Tax Department, the Departments of Planning and Investment, Natural Resources and Environment affirmed the common commitment of the province, as well as each sector. That is to always accompany the people and businesses. Focus on reviewing and thoroughly resolving specific recommendations of businesses related to the progress of extending project implementation time, speeding up site clearance progress, as a basis for businesses to complete related documents in borrowing from banks. Regarding the real estate sector, banks urgently sent the loan interest rate table to the Department of Natural Resources and Environment, as a basis for calculation in land valuation.

To boost credit flows, representatives of some banks proposed that there should be a coordination mechanism and a three-party commitment between the government, banks and businesses. Banks commit to the time and progress of appraisal and lending; businesses commit to their capacity, financial plans and self-capital; the government commits to the progress in implementing related tasks, especially the progress in granting land use right certificates. Affirming that banks always "roll out the red carpet" to welcome businesses, banks are also a type of business. Therefore, it is necessary to pay attention to profits, especially system safety, capital safety, as well as legal regulations.

Ms. Nguyen Thi My Linh, Director of VietinBank Hai Duong branch, proposed separating land use right certificates in infrastructure investment.

Regarding credit for cage fish farming households, the banking sector has been urgently reviewing and coordinating with relevant sectors to consider support solutions such as reducing loan interest rates and extending loan repayment terms.

Mr. Phung Tuan Kiet, Director of Agribank Hai Duong province branch, gave his opinion on solutions to support cage fish farmers who suffered losses.

HA KIEN

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