With a diverse range of credit products and convenient banking services, Agribank Son La ensures that people do not lack capital for investment and production development... This increases access to bank credit, allowing customers to benefit from policy credit programs and contributing to combating illegal lending.
Mr. Pham Van Bang, Director of Agribank Son La , stated: Currently, illegal lending still exists and is becoming increasingly diverse and sophisticated, with simple loan procedures and many clandestine transactions. In addition, many illegal lending rings operate under the guise of finance companies, mobile applications, and social media platforms like Zalo and Facebook, posting advertisements for loans to attract those in need of capital. This activity gives rise to many negative consequences, leading to an increase in criminal activity, danger, and disruption of social order and safety...
In response to this situation, Agribank Son La actively implemented many credit policies, effectively implementing credit policies according to Government Decree 55/2015/CP; preferential interest rate credit programs, including: loans for social housing according to Government Resolution 33/NQ-CP; preferential loans for officials receiving salaries from the state budget; preferential consumer loans for officials and employees in the health sector; preferential credit for large enterprises, small and medium-sized enterprises, and enterprises investing in projects in 5 key sectors; interest rate support program from the state budget according to Government Decree 31/2022/ND-CP dated May 20, 2022... To date, the total capital has reached over 10,560 billion VND, and the total outstanding loans are over 16,400 billion VND. Over 43,000 customers have access to preferential loans to invest in production and business, helping farmers have capital for production.
Furthermore, to ensure easy access to loans and modern banking products and services for people in remote areas, Agribank Son La's network covers the entire province, with 1 head office, 10 type II branches, and 11 directly affiliated transaction offices; establishing nearly 1,000 loan groups; maintaining regular operation of 45 transaction points, 3 specialized mobile transaction vehicles in the centers of communes and clusters of communes, 29 ATMs/CDMs, 1 digital bank, 105 POS terminals, and over 5,670 points accepting payments using VietQR codes throughout the province. Agribank's electronic banking services meet customer needs in online money transfers and receipts, bill payments, shopping, etc.
To encourage customers to make cashless payments, Agribank Son La has actively promoted and guided customers to use digital banking services and overdraft cards to help people access loans, making a significant contribution to combating illegal lending in rural areas.
Mr. Quang Van Thanh, from Hua La commune, Son La city, shared: "Experiencing the new and modern features of Agribank Digital, all transactions are automated with fast processing speeds. I can perform several banking services, especially applying for loans at any time instead of having to go to the bank and wait in line as before, making it easier for me to access bank capital."
Since January 2019, Agribank Son La has implemented a consumer credit program for individual and household customers. This service allows customers to borrow up to 30 million VND for legitimate and urgent short-term consumption purposes such as purchasing household items, educational expenses, and medical treatment. All procedures and loan disbursement are completed on the same day, helping people access funds to cover their urgent needs without resorting to illegal lending.
Mr. Pham Van Bang affirmed: Agribank's capital has been channeled to all customers in need. The unit prioritizes improving lending processes and methods, reducing costs, and expanding credit investment for agriculture, farmers, and rural areas, simplifying procedures; coordinating with local authorities to resolve difficulties and obstacles regarding loan limits, repayment terms, collateral, etc., so that customers can access and use capital and banking services in transactions and payments.
It is evident that Agribank Son La's credit capital helps people and businesses confidently borrow funds for production and business investment. In addition, the unit coordinates with local Party committees, authorities, and various organizations to help borrowers use the capital for the right purposes and effectively.
Text and photos: Huy Thanh
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