On May 25, continuing the 7th session, the National Assembly listened to the Report of the National Assembly's Supervisory Delegation on the implementation of Resolution No. 43/2022/QH15 of the National Assembly on fiscal and monetary policies to support the Socio-Economic Recovery and Development Program and the National Assembly's resolutions on a number of important national projects until the end of 2023.
The report mentioned interest rate support (2%/year) of up to VND 40,000 billion through the commercial banking system for a number of important industries and sectors.
However, as of December 31, 2023, the policy's interest rate support amounted to about VND 1,218 billion for nearly 2,300 customers, only 3.05% of the support package.
Discussing at the meeting hall, National Assembly delegate Vu Tuan Anh (Phu Tho delegation) said that the policy of supporting 2% interest rate through the commercial banking system is a very important solution to reduce costs and directly support production and business...
However, the implementation results by the end of 2023 only reached about 3.05% of the program scale, showing that this policy has hardly been put into practice, affecting the implementation of the goals of the proposed socio-economic recovery and development program.
National Assembly Deputy Nguyen Quang Huan (Binh Duong Delegation) acknowledged that the interest rate support was at a time when businesses were facing difficulties. Now that things have returned to normal, is it necessary to continue this support package? If we cannot absorb it and still try to find ways to spend it all, then unexpected things may arise. Therefore, we need to consider this carefully.
Meanwhile, National Assembly Deputy Tran Quoc Tuan (Tra Vinh Delegation) said that the majority of businesses complained that difficult lending conditions were the biggest obstacle for them when carrying out procedures to access loans under the 2% interest rate support package.
Speaking to explain and clarify some issues raised by National Assembly deputies, Governor of the State Bank of Vietnam Nguyen Thi Hong said that there has never been a program that the State Bank has spent so much time and effort to organize and implement. Many conferences were held, requiring each provincial and municipal branch to implement in their localities.
Explaining the low results of policy implementation, the Governor of the State Bank said that this is one of the programs of Resolution 43/2022/QH15.
From the beginning, it was determined that this was a support policy for businesses that were able to recover, that is, have the ability to repay loans, not a policy to solve the problem for all businesses in a difficult economy.
“The loan capital of the program is capital mobilized by credit institutions from the people. Only the 2% interest rate support part comes from the state budget. Therefore, credit institutions must make loans according to current legal regulations and ensure the ability to recover debts.
In addition, the amount of disbursement depends largely on the decisions of businesses and credit institutions," the Governor of the State Bank said.
Source: https://laodong.vn/kinh-doanh/thong-doc-ngan-hang-nha-nuoc-ly-giai-viec-goi-ho-tro-lai-suat-2-giai-ngan-thap-1344672.ldo
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