Many practical financial policies are coming into life.

Important financial policies of the State are being implemented synchronously in Dong Nai, including reporting large money transfer transactions and reducing interest rates for social housing loans. These policies not only help to make cash flow transparent and limit risks for banks, but also directly support people and businesses, contributing to improving the quality of life and promoting local socio-economic development.

The consensus from banks, businesses and people has helped Dong Nai build a safe and transparent financial environment, contributing to promoting sustainable socio -economic development, while enhancing confidence in the banking system.

Increase transparency, reduce risks

In the context of Dong Nai's strong economic development, especially in the industrial and import-export sectors, the demand for large financial transactions is increasing, the application of financial policies helps increase security, ensuring more safety in transactions of people and businesses. The latest is the implementation of Circular No. 27/2025/TT-NHNN of the State Bank of Vietnam (Circular No. 27) on detailed instructions for the implementation of a number of articles of the Law on Anti-Money Laundering 2022, effective from November 1, 2025.

Loc Ninh Social Policy Bank Transaction Office disburses loans to customers. Photo: DVCC

One of the highlights of Circular No. 27 is the requirement that credit institutions and payment intermediaries must be responsible for collecting information and reporting to the Anti-Money Laundering Department using electronic data for transactions in the form of electronic money transfers with a transaction amount of VND 500 million or more (for domestic transactions) or transactions of USD 1,000 or more (for foreign transactions).

According to Nguyen Duc Lenh, Deputy Director of the State Bank of Vietnam, Region 2 Branch, large transactions, if not controlled, can pose risks, affecting the entire financial system. The above regulation helps to make capital flows transparent, limit the risks of money laundering and fraud, and create a safer financial environment for people and businesses.

“Dong Nai is a locality with vibrant economic activities, with many industrial zones and import-export enterprises, so the transaction demand is large and complex. Therefore, the reporting requirement is necessary and suitable to local reality,” said Mr. Lenh.

At commercial banks, the implementation of the new regulations initially encountered some difficulties but has now been carried out synchronously.

“At first, the bank had difficulty collecting customer information. However, after being clearly explained about the State's regulations on anti-money laundering, most customers have agreed and actively cooperated,” said Do Thi Thanh Thuy, Deputy Director of the Joint Stock Commercial Bank for Foreign Trade of Vietnam ( Vietcombank ), Dong Nai branch.

Some small businesses and people were initially concerned that providing transaction information could affect their privacy. However, thanks to direct training and propaganda sessions, most people understood that reporting is for their own protection, making transactions safer and more transparent.

Ms. Pham Thi Lan, accountant of a motorbike business in Tam Hiep ward, Dong Nai province commented: “Reporting transactions over 500 million VND is reasonable, helping to ensure the safety of account holders. When I understand the purpose, I completely agree to provide information according to the bank's regulations.” In addition, many businesses also appreciate this regulation because it helps smooth capital flow, reduces legal risks and enhances reputation in transactions with partners.

By the end of October 2025, the branch had more than 1,200 customers enjoying the new preferential interest rate with a total outstanding debt of more than 530 billion VND.

Deputy Director of the Provincial Branch of the Vietnam Bank for Social Policies
Dong Nai VO TRONG HOA

Social housing loan interest rate reduced by 1.2%/year

In addition to enhancing financial transparency, the Vietnam Bank for Social Policies (VBSP) Dong Nai branch has just reduced the interest rate for social housing loans from 6.6%/year to 5.4%/year. The reduction in interest rates for social housing loans is implemented according to Decree 261/2025/ND-CP of the Government, dated October 10, 2025, amending and supplementing a number of articles of Decree 100/2024/ND-CP, dated July 26, 2024, detailing a number of articles of the Housing Law on the development and management of social housing of the Government and the direction of the Vietnam Bank for Social Policies. This is considered good news for many people in need of housing.

Ms. Pham Thi Tam (residing in Long Binh ward, Dong Nai province) is a person who is borrowing money to buy social housing. Ms. Tam shared: “Previously, my husband and I had to pay nearly 5 million VND per month in principal and interest. Now the interest rate has decreased, the payment amount is lighter, we are less pressured and can save more income to take care of our children and living expenses.”

According to Vo Trong Hoa, Deputy Director of the Dong Nai branch of the Bank for Social Policies, to put the policy into practice, the Dong Nai Bank for Social Policies has closely coordinated with the People's Committees of wards, communes, industrial zones, and organizations to organize many sessions to guide loans, explain benefits, and procedures to people, helping people understand and access the policy quickly. Through that, many social housing construction enterprises also benefit when the projects are accessed by workers more quickly, increasing feasibility and economic efficiency.

The consensus from banks, businesses and people shows that financial policies are no longer regulations on paper but are actually being implemented in life, contributing to improving the quality of life, ensuring social security and sustainable economic development.

“When financial policies are implemented synchronously and effectively, people's and businesses' trust in the banking system is strengthened, contributing to creating a foundation for sustainable economic development in Dong Nai,” said Nguyen Duc Lenh, Deputy Director of the State Bank of Vietnam, Regional Branch 2.

Kim Lieu

Source: https://baodongnai.com.vn/kinh-te/202511/nhieu-chinh-sach-tai-chinh-thiet-thucdang-di-vao-cuoc-song-ed730f5/