Persistently bringing preferential credit policies to rural areas

Many households in Nong Cong commune received loans from Agribank to develop the economy.

Right from the beginning of the year, banks have developed plans and proposed many solutions to effectively implement agricultural and rural lending according to Decree No. 55/2015/ND-CP of the Government on "Credit policy for agricultural and rural development", thereby affirming their important role in providing banking services in rural areas.

In investing capital for the “three agriculture” sector in general, Agribank branches have focused on investing capital for the province’s agricultural sector in a sustainable and effective manner. They are interested in promoting loans for key industries associated with the province’s typical agricultural products, products that meet high quality standards, and products that meet OCOP standards.

In addition to lending directly to production households, Agribank branches have also proactively researched and implemented many effective methods through good coordination with mass organizations such as farmers' associations and women's unions to lend to members of the associations. By early November 2025, banks and associations at all levels had established more than 4,800 loan groups with nearly 140,000 members. Associations at all levels have become a reliable "extension" of Agribank branches in the province, bringing credit capital and convenient services to farmers, helping people access capital quickly and easily to invest in production, business, develop cultivation, livestock, aquaculture, etc.

With the goal of helping people and businesses increase their access to preferential loans to gradually overcome difficulties, stabilize and develop business activities, from the beginning of the year, Agribank branches have actively implemented preferential interest rate credit programs for individual customers and businesses to encourage and support customers such as: Preferential credit program for small and medium-sized enterprise customers; Preferential credit program for forestry and fishery sectors for legal entities and individuals with projects/plans serving production and business activities in the forestry and fishery sectors; Preferential credit program for OCOP customers for individual customers borrowing capital to invest in production and products; Preferential interest rate consumer loan program for individual customers with consumer loan needs to serve their living needs; Short-term loan program for individual customers with loan needs to serve production and business activities...

It can be said that Agribank branches in the province have made efforts and persistently brought preferential credit policies to the people, especially those in rural areas, giving them the opportunity to access preferential loans, thereby improving the quality of life and helping people get rich on their homeland.

In the coming time, Agribank branches in the province will proactively improve and simplify lending procedures and processes to improve customers' access to credit capital. At the same time, proactively and flexibly deploy many solutions to effectively promote credit growth associated with controlling and improving credit quality, directing credit capital flows to production, business, and priority sectors, serving the growth drivers of the local socio -economy, affirming the key role in the agricultural and rural financial market. Proactively and actively communicate promptly, clearly, fully, and accurately about Agribank's policies, products, and services to help people and businesses understand clearly.

Article and photos: Duc Thanh

Source: https://baothanhhoa.vn/ben-bi-dua-chinh-sach-tin-dung-uu-dai-den-khu-vuc-nong-thon-268021.htm