Expanding loan opportunities for production and business through banking channels

According to the survey report of the General Statistics Office for the period 2021-2023, the country currently has about 5.2 million business households, contributing more than 24% to GDP. Recognizing the important role of small traders and business households in the economic chain, the State Bank of Vietnam (SBV) and the system of commercial banks have also actively followed market developments to deploy many timely solutions, creating favorable conditions for individual customers, business households, and micro-enterprises to easily access working capital, meeting the need to expand credit for production and business purposes.

Mở rộng cơ hội vay vốn phục vụ sản xuất, kinh doanh qua kênh ngân hàng - 1 — PVcomBank deploys preferential credit package to support customers in production and business loans.

Mr. Quoc Khanh (District 3, Ho Chi Minh City), a business owner in the field of wholesale coffee, shared: “To maintain and develop business activities stably, loan capital is the key factor. Thanks to the timely support from the bank's preferential loan package in the recent past, I can proactively expand production scale, import more quality goods, purchase new machinery, thereby improving both the quantity and quality of products for customers”.

The preferential loan solution that Mr. Khanh mentioned is part of the credit package "New Journey, Live Your Dream" implemented by Vietnam Public Joint Stock Commercial Bank (PVcomBank) from the beginning of 2025, with an interest rate of only 3.99%/year and a maximum limit of up to 10 billion VND, for customers borrowing for production and business.

Also an individual customer in the m.SME segment using a production and business loan package at PVcomBank, Ms. Thanh Ha (Dong Da, Hanoi ) said: “The bank has created maximum conditions for me to flexibly prove my business income, not to mention supporting the simplification of many procedures and documents to be able to approve the loan in the shortest time. It only took a few hours for me to get my loan disbursed.”

Along with preferential interest rates, in addition to flexible and open lending procedures, PVcomBank also provides a one-time limit that can be used within 3 years for customers, creating conditions for borrowers to use capital according to actual business needs. Customers borrowing to expand production and business premises are also supported by the bank with a maximum principal grace period of up to 12 months.

Recognizing the importance of supporting businesses and people in production and business, aiming to promote economic recovery as well as achieve the GDP growth target of over 8% in 2025, PVcomBank expects the preferential credit package "New journey, living the dream" to bring suitable solutions to the market. This not only helps business households and small traders quickly access timely capital, ensuring a stable cash flow for production development activities, but also has more motivation to expand effectively thanks to the bank's preferential policies.

Recently, PVcomBank has also deployed the "Tingting Speaker" feature - announcing balance changes by voice on the PVConnect application, and launched the "Ting Ting Speaker" device at many stores, supermarkets, grocery stores... to support small business customers and individual traders to confirm money receiving transactions quickly and proactively, limiting risks from fake transactions, thereby improving efficiency in production and business activities.

Through credit products as well as specialized financial solutions for the business household and small trader customer segment, PVcomBank continues to affirm its role as a companion with the State and the entire banking industry in the task of supporting people and businesses, aiming to complete the economic growth target for the whole year 2025.

For details on PVcomBank's products and services, see more at: https://www.pvcombank.com.vn/

Vietnam Public Joint Stock Commercial Bank (PVcomBank) has been in operation since October 1, 2013. With comprehensive and creative financial solutions and a people-centered operating philosophy, PVcomBank increasingly meets the diverse needs of individual and institutional customer segments, while bringing outstanding values to each customer.

Source: https://dantri.com.vn/kinh-doanh/mo-rong-co-hoi-vay-von-phuc-vu-san-xuat-kinh-doanh-qua-kenh-ngan-hang-20250611103734985.htm