Ms. Bui Thi Sau, Chairwoman of the Provincial Business Association discussed at the conference.
Comrade Nguyen Quynh Thien, Member of the Provincial Party Committee, Vice Chairman of the Provincial People's Committee, together with 02 Deputy Directors of the State Bank of Vietnam, Tra Vinh branch: Mr. Nguyen Van Nhu and Ms. Vien Bich Phung co-chaired the conference. Attending the conference were leaders of relevant departments and branches; commercial banks and nearly 60 enterprises and cooperatives in the province.
According to information from the State Bank of Vietnam, Tra Vinh branch, from the beginning of the year to September 30, 2023, the total operating capital of credit institutions in the area reached VND 47,895 billion, an increase of 6.7% compared to the end of 2022; in which, short-term outstanding loans accounted for about 61% of total outstanding loans.
Regarding the interest rate support policy according to Decree No. 31/2022/ND-CP dated May 20, 2022 of the Government, the loan turnover reached 16.62 billion VND, the interest support amount was 110 million VND. The credit program for the forestry and fishery sector (package of 15,000 billion VND) by September 30, 2023, commercial bank branches had disbursed to 13 customers, with disbursement turnover of 28.56 billion VND; the applied loan interest rate is 6.6 - 8.5%/year...
Implementing the direction of the State Bank of Vietnam on organizing the connection between Banks and Enterprises to remove difficulties for people and enterprises in accessing bank credit capital, through surveys of commercial banks and sectors: Department of Industry and Trade, Department of Agriculture and Rural Development; Economic Zone Management Board; Provincial Business Association; People's Committees of districts, towns, cities... for 60 enterprises, cooperatives, production establishments needing access to capital.
Comrade Bui Thi Sau, Chairman of the Provincial Business Association, informed: for enterprises and cooperatives, it is necessary to expand other forms of access to capital sources, in addition to credit capital from commercial banks. For banks with investment types supporting home loans, in addition to loans for social housing, there should be a communication policy with customers...
Mr. La Quoc Yen, Director of Chau Hung Agricultural - Trade and Service Cooperative (Hung My commune, Chau Thanh district) proposed about the difficulty in accessing loans to purchase rice.
At the conference, some enterprises and cooperatives reflected on accessing bank credit capital, mainly focusing on issues such as: the need to borrow capital to expand production and business scale, but according to bank regulations, collateral is required; while the assets of cooperatives are currently mostly commodity assets.
Some enterprises have the need to borrow capital from banks to serve production, business, and implement social housing projects; however, the production and business activities of enterprises have encountered many difficulties, leading to prolonged losses and limitations in debt groups. Therefore, enterprises are refused loans by banks and have not been granted loans.
Comrade Nguyen Van Huong, Deputy Director in charge of Agribank Tra Vinh province branch, informed about credit capital sources.
Comrade Nguyen Van Huong, Deputy Director in charge of the Bank for Agriculture and Rural Development, Tra Vinh branch (Agribank, Tra Vinh branch ) informed and answered some recommendations from enterprises and cooperatives: including the recommendation to install ATMs in 04 island communes of Duyen Hai district to facilitate enterprises and people to withdraw cash (without having to go to the district center) when approved by Agribank Vietnam, the unit will soon implement.
Currently, for Agribank Tra Vinh branch, customers mainly lend in the agricultural and rural areas with a total capital of 9,100 billion VND, outstanding loans of over 11,200 billion VND; of which, the agricultural production sector accounts for nearly 4,000 billion VND. At the same time, always actively and proactively create conditions for enterprises and cooperatives to access capital. For customers who are no longer entangled in bank regulations (such as bad debt, no collateral, etc.), and meet the conditions, they can access capital to invest in production...
Comrade Nguyen Quynh Thien, Vice Chairman of the Provincial People's Committee delivered a concluding speech at the conference.
Comrade Nguyen Quynh Thien, Vice Chairman of the Provincial People's Committee, directed banks to increase support for enterprises and cooperatives; discuss and resolve difficulties and obstacles, and take advantage of current regulations to ensure that enterprises and cooperatives have access to capital. Enterprises and cooperatives must apply and approach policies appropriately to develop in conditions of capital difficulties.
For the credit packages being implemented by the State, when enterprises and cooperatives are not eligible to access, they need to promptly overcome the difficulties of enterprises (bad debts). Currently, the capital sources in the credit packages are quite rich and abundant; however, there are still some criteria that make enterprises not eligible and have difficulty accessing capital...
News and photos: HUU HUE
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