The above story was shared by Ms. Hoang Thi Phuoc Minh, Chief Accountant of Decotex Company Limited (HCMC) at the conference "Business - City Government Dialogue" held in HCMC on June 27.
Ms. Minh said that Decotex is a company specializing in exporting items such as curtains and interior decoration. The company has short-term foreign loans from the parent company. In recent years, revenue has decreased, so some loans have not been paid on time.
Therefore, businesses need to switch from short-term loans to long-term loans. According to regulations, the procedure is carried out at the State Bank of Vietnam (SBV) Branch Region 2.
Previously, businesses registered the above procedures with the State Bank regularly and very conveniently, but now it is extremely difficult. When company employees come to do the procedures, the officer processing the documents is not friendly. This officer returns the documents because of unimportant errors. For example, if the documents say "interest payable" then the business must correct it to "interest payable".
“The staff processing the documents carefully examine every detail such as periods and commas and often return the documents due to small errors. This situation has been going on since April,” said the business representative.
The female chief accountant said that every time an employee submitted a returned file, the company's German general director laughed at the insignificant errors and the processing procedures of the staff receiving the files at the State Bank. The accounting department also had a hard time explaining each time the files were returned.
“I hope the leaders of the State Bank of Vietnam will reconsider the working attitude of the staff receiving the documents. Please accompany the businesses to resolve the issue and reach a result, instead of showing such an attitude,” said Ms. Minh.
In response to the business's feedback, Deputy Director of the State Bank of Vietnam, Region 2 Branch, Mr. Nguyen Duc Lenh said that the issue raised by the business is directly related to the public services that the State Bank is in charge of.
Administrative procedures related to foreign borrowing and debt repayment that the State Bank is confirming include: Registering medium and long-term loans; Changing loans from short-term to medium and long-term; Changing loans, loan terms, loan interest rates, loan limits or service providers.
Therefore, the image of unfriendly and unenthusiastic officials as reported by businesses is contrary to the viewpoint that the State Bank has been implementing. Because the banking agency always advocates receiving documents, providing advice and full guidance to businesses to perform public services, without causing harassment or increasing transaction costs for businesses.
Mr. Lenh expressed regret that the business had encountered such a situation.
“I am very sorry to the business. I promise to handle it immediately,” Mr. Lenh emphasized and immediately asked for the name of the State Bank officer in charge of handling the business’s file as well as the time when this file would be processed.
Also at the conference, the Deputy Director of the State Bank of Vietnam, Regional Branch 2, provided businesses with additional information about the credit situation in the first half of 2025. Accordingly, in the first 6 months of the year, the macro economy was very stable, exchange rates were stable, and interest rates were low to support businesses, thereby creating an environment for businesses to grow and develop.
In Ho Chi Minh City, credit growth has been quite good compared to the same period in previous years. In the first 6 months of the year, the State Bank estimated that the total outstanding credit balance reached about 4,165 trillion VND, up 5.5% compared to the end of 2024 and up 13% over the same period. The State Bank aims to maintain credit growth to support businesses and the economy.
In the export sector, total outstanding loans for export enterprises in Ho Chi Minh City in the first 5 months of the year reached VND 146,500 billion, up 42% compared to the end of 2024 and up 52% over the same period.
“Export enterprises often borrow short-term, have fast capital turnover, and relatively large loan turnover. The efficiency of capital use and capital circulation in the export sector is quite good,” Mr. Lenh informed.
Source: https://vietnamnet.vn/bi-can-bo-hanh-dau-cham-dau-phay-ke-tanoan-truong-to-thang-voi-pho-giam-doc-nhnn-2415786.html
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