In 2024, Mr. Ly Van Sang, from Binh Minh village, Hai Lang commune, decided to invest in a shrimp farming model using covered structures. To implement the investment, Mr. Sang received a loan of 4 billion VND from Agribank's Tien Yen - Dong Quang Ninh branch under a preferential short-term loan program. Using the loan and his own capital, Mr. Sang invested in a system of ponds, covered structures, machinery, etc., covering an area of over 7 hectares to raise whiteleg shrimp using high-tech methods. In this season alone, Mr. Sang is currently raising over 1.5 million shrimp fry, expected to yield billions of VND in profit.
Mr. Sang shared: "Capital is very important for business households to develop production. Investing in high-tech shrimp farming helps business households like ours overcome the disadvantages of weather, shifting from one crop to two or three crops, ensuring harvest yields. Meanwhile, investing in high-tech shrimp farming requires a significant amount of capital. Therefore, Agribank's loan with preferential interest rates, flexible terms, and quick disbursement has not only solved the capital problem but also significantly contributed to helping business households feel secure in production, boldly invest, and expand the model. Based on the success of my family's model, many business households in the commune have come to learn from and implement it."
Ms. Hoang Thi Viet Yen, Deputy Director of Agribank Tien Yen - Dong Quang Ninh branch , said: " Agribank Tien Yen - Dong Quang Ninh branch has intensified the implementation of preferential loan programs for business households. To date, outstanding loans to business households account for nearly 70% of the branch's total outstanding loans. We will continue to review the capital needs of business households to support, guide, and quickly disburse loans, ensuring that capital needs are fully met, and promptly implementing attractive preferential interest rate credit programs with simple procedures and easy access. Along with implementing credit programs, we currently have many preferential programs for business households converting into enterprises such as: waiving account management fees, giving away sales management solution packages, giving away electronic invoice solution packages…"
Implementing Resolution 68-NQ/TW dated May 4, 2025, of the Politburo on the development of the private economy and the Government's directives, business households in the province are currently actively transitioning from lump-sum tax payment to declaration-based tax payment. Along with the Tax Department, banks in the province are actively collaborating, supporting, and providing solutions for this transition.
Recently, the Quang Ninh Provincial Tax Department and banks such as Agribank, BIDV, Vietcombank, VietinBank, along with the electronic payment unit VNPAY, signed an agreement to support digital transformation for business households. In this agreement, the banks committed to collaborating with the provincial tax department in implementing the "60-day intensive support plan for business households transitioning from lump-sum tax to declaration-based tax"; providing safe, convenient, and affordable technological solutions; and deploying personnel to directly guide and promptly resolve difficulties faced by business households during the transition to a new tax model and management method when lump-sum tax is officially abolished from January 1, 2026.
Ms. Pham Phuong Thuy, Deputy Head of the Personal Customer Department, BIDV Quang Ninh, said: "Implementing the '60-day intensive plan to support business households in converting from lump-sum tax to declaration tax', we will regularly send staff to coordinate with the Quang Ninh Provincial Tax Department and local authorities to encourage business households to register to switch from lump-sum tax payment to declaration tax. At the same time, we will actively guide households to use the eTax mobile application conveniently, easily, and quickly. In addition, we are currently implementing many preferential programs to help business households easily manage cash flow, pay taxes, and declare revenue. In particular, BIDV has implemented a convenient, transparent, and cost-effective sales management solution - MyShop Pro - integrated directly into the BIDV SmartBanking digital banking application. This solution integrates diverse features such as: managing product catalogs, orders, revenue and expenses, and cash flow in real time." Creating electronic invoices, using digital signatures, storing complete sales data; summarizing revenue by day/month/quarter, connecting and managing payment gateways directly within the application… helps business households stabilize production, develop sustainably, and gradually establish enterprises.
Source: https://baoquangninh.vn/ngan-hang-dong-hanh-cung-ho-kinh-doanh-3388210.html
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