Proactively manage capital flow during Tet holiday.

The last months of the year and leading up to the Lunar New Year are always a time when capital demand increases, especially for businesses and production and business households. The banking sector has proactively implemented many flexible and timely credit solutions and programs, directing capital into the right sectors, contributing to promoting economic growth and stabilizing the market at the end of the year.

Unblocking capital flows

According to the State Bank of Vietnam Region IV, in 2025, mobilized capital in Tuyen Quang province reached over 72,600 billion VND, an increase of 13.7% compared to the end of 2024 and exceeding the set plan. Of this, household deposits reached 62,636 billion VND, an increase of 7,560 billion VND, demonstrating the continued strengthening of public confidence in the banking system.

Along with capital mobilization, credit activities have seen strong growth. Outstanding loans across the province are estimated to reach VND 80,229 billion by the end of 2025, an increase of 20.3% compared to the end of the previous year, higher than the overall growth rate of Region IV and exceeding the plan assigned by the Provincial People's Committee. Notably, medium and long-term loans increased by 31.9%, reflecting the trend of expanding investment, recovery, and development of production and business activities of enterprises and individuals.

BIDV Tuyen Quang is stepping up lending to corporate and household businesses during the Tet holiday.

The credit structure shows a strong flow of capital into growth-driven sectors. Outstanding loans for trade and services reached VND 50,776 billion, an increase of 29.1%; and for industry and construction reached VND 15,457 billion, an increase of 9.37%. Meanwhile, credit for agriculture, forestry, and fisheries reached nearly VND 14,000 billion, and although the growth was lower, it still played a pivotal role in the local economy , especially in the context of this sector being affected by African swine fever and natural disasters.

Stimulating credit demand at the end of the year.

The end of the year is always the busiest time for the economy, as businesses ramp up production and sales, prepare goods for the Lunar New Year, and finalize their business plans. This is also the period when banks and credit institutions implement credit stimulus policies to support businesses and individuals in accessing capital effectively.

Many major commercial banks such as Agribank, Vietcombank, VietinBank, BIDV, MB… are coordinating to implement preferential loan packages for priority sectors of production and business, export and supporting industries in the period 2025 - 2026.

Mr. To Van Thanh, Deputy Director of Vietcombank Tuyen Quang, said: Vietcombank is implementing many credit packages with competitive interest rates and flexible loan terms, suitable for the needs of businesses, especially small and medium-sized enterprises, to supplement working capital and expand production. At the end of the year and the beginning of the new year, the bank focuses on accelerating the appraisal process, streamlining procedures, and creating conditions for businesses to access capital promptly to serve the production of goods, stockpile raw materials, and fulfill signed orders.

Vietinbank Tuyen Quang is implementing year-end credit programs with competitive interest rates.

According to Mr. Thanh, in addition to providing new loans, Vietcombank is also proactively reviewing and supporting customers through cash flow restructuring solutions and advising on effective capital utilization plans. This helps businesses stabilize operations, enhance competitiveness, and prepare for rapid growth starting in the early months of 2026.

To meet year-end capital needs, Agribank is launching the "Capital in Hand - Sustainable Business" program with a scale of VND 50,000 billion for individual customers to borrow short-term for production and business purposes. With preferential interest rates starting from only 5.1%/year, along with many benefits such as free issuance and waived first-year annual fees for credit cards, borrowers can significantly reduce their financial costs.

In reality, preferential credit packages have become an important "lever" for businesses to accelerate production and business activities at the end of the year.

Thanks to the proactive efforts of the banking sector, along with the endeavors of the business community and the people, credit flows are proving effective, contributing to economic growth, market stability, and social security. As we enter 2026 with many new expectations, continuing to maintain and promote flexible and focused credit policies will be a crucial foundation for the sustainable economic development of Tuyen Quang.

Text and photos: Hai Huong

Source: https://baotuyenquang.com.vn/kinh-te/202601/chu-dong-dong-von-dip-tet-bd45161/