The banking sector proactively supports the development of the private economy.

From the outset, the State Bank of Vietnam's Regional Branch 2 (SBV Region 2) issued a plan to implement the banking sector's action program as directed by the Central Government and the Government . The focus was on reforming administrative thinking, considering businesses as the target of service; regularly reviewing and reducing unnecessary procedures; and developing inspection and audit plans to avoid duplication and inconvenience.

Simultaneously, the State Bank of Vietnam, Region 2, has concretized the directives of the Ho Chi Minh City People's Committee with many practical solutions. Credit institutions are encouraged to allocate capital to green credit and small and medium-sized enterprises, focusing on five priority sectors. At the same time, the banking sector is also strengthening coordination with relevant departments and agencies to remove difficulties for businesses regarding loan applications, collateral, cash flow, and tax policies.

The Bank-Business Networking activities continue to be strengthened, linked with direct dialogue and innovative organizational methods. The State Bank of Vietnam Region 2 is enhancing policy communication, creating conditions for banks to proactively reach out to customers and introduce products and services that meet their actual needs.

Notably, many banks have changed their approach to the market. Instead of just holding seminars and product presentations in auditoriums, banks are proactively reaching out to small traders and household businesses in traditional markets and shopping centers to provide direct advice on digital financial solutions such as deferred payment purchases, cashless payments, issuing electronic invoices on mobile devices, and managing revenue for tax declaration and settlement. This approach helps household businesses – a customer group that previously had difficulty accessing financial services – gradually become regular customers of the banks.

Furthermore, solutions for customers are becoming increasingly diverse and systematic. MB Bank offers the mSeller application free of charge, supporting sales management, inventory, revenue, electronic invoices, and tax data directly on mobile phones. Techcombank supports small businesses in digital transformation through preferential pricing for accounting and sales software, integration of digital signatures, and promotion of cashless payments; it also provides working capital support through the Shopcash application up to VND 500 million and free tax payment via eTax Mobile. These solutions help improve cash flow, reduce costs, and create a closed loop from sales to tax declaration.

Ngành Ngân hàng chủ động đồng hành phát triển kinh tế tư nhân

ACB also offers many flexible credit products such as unsecured overdrafts, partially unsecured loans, unsecured guarantees, unsecured LC issuance, and contract financing; while also providing installment loan packages to supplement working capital for small and medium-sized enterprises. These products are proactively introduced directly to small traders and business households through conferences coordinated with local authorities in many wards and communes in Ho Chi Minh City.

Practical implementation shows that the banking sector in Ho Chi Minh City is gradually transforming the private sector into a potential and long-term customer group, based on expanding financial solutions tailored to each segment and its actual needs.

With the motto "discipline - partnership - efficiency," the banking sector in Ho Chi Minh City has determined that the implementation of Resolution 68-NQ/TW is not limited to capital provision, but involves a comprehensive reform in policy direction, communication, and customer approach strategies. This will support the sustainable development of the private sector while ensuring system safety and controlling credit risks, contributing positively to the growth of Ho Chi Minh City's Gross Regional Domestic Product (GRDP) in the coming period.

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