Increase credit capital to support production and business

Banking transactions at a commercial bank branch in Bien Hoa city. Photo: H.Quan

Thereby, this is an opportunity to connect local authorities, banks and enterprises to remove difficulties and obstacles related to accessing preferential credit sources, promoting programs and activities to support enterprises.

Bank credit capital is an important resource.

According to the State Bank of Vietnam, Regional Branch 12, identifying bank credit capital as one of the important resources to support social investment in production and business, contributing to the achievement of growth targets, in recent times, the banking sector in the region has actively implemented synchronous solutions to promote credit growth and has achieved quite positive results.

Director of the State Bank of Vietnam, Region 12 Branch, Ta Thanh Long, shared that outstanding credit balance by the end of March 2025 is estimated to reach more than 1.1 million billion VND, an increase of 0.86% compared to the beginning of 2025, in which Dong Nai and Ba Ria - Vung Tau recorded good growth.

Credit for priority sectors continues to grow steadily. The restructuring of debt repayment terms and maintaining debt groups according to Circular 02/2023/TT-NHNN has been effectively implemented in recent times, directly supporting customers in overcoming difficulties, contributing to promoting recovery and positively contributing to local economic development.

Bank branches and credit institutions in the area also promote loan programs to promote production and business activities in the area.

Deputy General Director of the Bank for Agriculture and Rural Development (Agribank) Phung Thi Binh said that region 12 includes provinces located in the Southeast region - the key economic region of the South, which for many years has always led the country in foreign direct investment, exports...

In 2025, Agribank's credit in region 12 is expected to increase by 12%, equivalent to an increase of more than VND 19 trillion. Agribank's outstanding loans in the Southeast region will increase to VND 178 trillion. Since the beginning of 2025, Agribank has launched many preferential loan products with interest rates reduced by 1-2%. In addition, the bank has also proactively participated in many Government programs such as: investing in regional linkage projects, infrastructure, logistics, exports, social housing, etc.

Director of the Joint Stock Commercial Bank for Foreign Trade of Vietnam (Vietcombank) Dong Nai Branch Pham Thanh Vinh said that the branch identifies credit development, new credit customer development, and credit capital expansion to support enterprises as key and important tasks in the current period. In order to implement the direction of the Government and the State Bank of Vietnam on credit granting, credit expansion to serve the economy, support enterprises in the area to overcome difficulties, develop production and business, the branch always promptly updates, proactively and quickly applies preferential policies on lending interest rates for enterprises of the State Bank and the Vietcombank system.

Especially preferential loan packages for export manufacturing enterprises, small and medium enterprises, high-tech enterprises... (with interest rate reduction of 1-2%/year) to stimulate loan demand, helping business customers reduce financial costs in business activities.

Vice Chairman of the Provincial People's Committee DUONG MINH DUNG requested the State Bank of Vietnam, Region 12, to continue implementing preferential credit programs for people and businesses. At the same time, directing credit capital to areas that create growth momentum in the locality such as: investment, export, consumption, etc.

Promoting connection between banks and businesses

According to experts, to increase the ability of enterprises to access and absorb capital in the region, it is necessary to strengthen the connection between banks and enterprises, including organizing conferences connecting related parties. From there, it helps banks grasp the actual needs of enterprises, difficulties and obstacles in the process of accessing policies to promptly support and promote credit in priority areas...

A representative of Lien Anh Rubber Production Company Limited (Tay Ninh Province) shared that the company wishes to connect with banks to access capital sources with preferential interest rates. In particular, the company has currently implemented standards on sustainable exports to Europe. Therefore, the company needs to access loan programs in priority areas and green credit to promote sustainable production.

Chairman of Dong Nai Young Entrepreneurs Association Le Bach Long suggested that the State Bank of Vietnam in general and the State Bank of Vietnam in particular should have policies to support interest rates for small and medium-sized enterprises, especially medium and long-term loans, to promote credit flows into priority areas. At the same time, many enterprises also requested that local commercial banks be more flexible in lending conditions, especially for enterprises with good credit histories.

To support businesses in accessing credit packages more effectively, representatives of the Dong Nai Young Entrepreneurs Association also recommended that the banking sector should develop low-interest credit packages specifically for small and medium-sized enterprises, especially those in the manufacturing and export sectors; support businesses in accessing green credit so that they can invest in clean technology, aiming for sustainable development. At the same time, there should be solutions to support businesses in improving their financial capacity, connecting businesses and financial consulting organizations to develop cash flow management strategies and control financial risks, etc.

Deputy Governor of the State Bank of Vietnam Pham Tien Dung emphasized that Region 12 includes provinces in the Southeast region. This is a dynamic economic region of the country, with great influence thanks to the outstanding development in the fields of processing industry, logistics services and urbanization, contributing greatly to economic growth, attracting foreign investment and creating jobs. This is a region with great potential to attract mobilized capital as well as the ability to increase the scale of outstanding credit.

Therefore, the leaders of the State Bank of Vietnam requested that the State Bank of Vietnam Branch in Region 12 continue to research and advise the central bank and local authorities to have appropriate policies to contribute to local socio-economic development.

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Source: https://baodongnai.com.vn/dong-nam-bo/202504/tang-nguon-von-tin-dung-ho-tro-san-xuat-kinh-doanh-1d90b61/