Facilitating businesses' access to credit.

The Da Nang City Business Association and the State Bank of Vietnam, Region 9, recently held a working session between the business community and credit institutions in the city to understand the difficulties and obstacles in credit relationships between banks and businesses.

Sharing and partnering with businesses.

In 2025, Da Nang City's economy marked a strong recovery and development. However, a segment of businesses still faced considerable difficulties. In this context, with a sense of responsibility and a spirit of sharing and supporting businesses, credit institutions in the area participated in the economic recovery program, implementing a series of solutions and policies on credit and interest rates to support businesses, such as: restructuring debt repayment terms, maintaining debt classifications; waiving or reducing interest, and reducing fees for businesses.

In the context of many businesses suffering losses due to the historic floods, commercial banks have provided practical support in various forms such as debt restructuring, debt deferral, and flexible new loans to help businesses rebuild and restore production and business operations.

In particular, banks have implemented various forms of bank-business connections tailored to specific industries and target groups. Credit institutions have applied many preferential interest rate loan packages for corporate customers. They have implemented numerous solutions to ensure credit supply to the local economy, diversifying credit products to support businesses in overcoming difficulties, recovering production and business activities, and focusing credit capital on priority lending sectors.

Mr. Le Anh Xuan, Director of the State Bank of Vietnam Region 9, and representatives of credit institutions held discussions with businesses in Da Nang.

In 2025, the State Bank of Vietnam, Region 9, directed credit institutions to reduce operating costs to lower lending interest rates. In Da Nang, short-term lending interest rates were commonly at 5.5 - 7.5% per year; the maximum short-term lending interest rate in Vietnamese Dong for priority sectors was 4% per year; and medium and long-term lending interest rates were commonly at 8 - 10% per year.

By 2025, outstanding credit in Da Nang City is projected to reach approximately VND 440,000 billion with 99 credit institutions operating in the area. The credit structure will continue to focus on production and business sectors, priority sectors, and growth drivers of the economy.

Commercial banks are strictly controlling credit to sectors with potential risks. Green credit and credit for key projects and local strengths are being strongly promoted, thereby contributing to the realization of the city's major policies on green growth and sustainable development.

Mr. Le Anh Xuan, Director of the State Bank of Vietnam, Region 9, said: The branch has requested commercial banks to accelerate the loan program for social housing, worker housing, and projects to renovate and rebuild old apartment buildings according to Resolution No. 33/NQ-CP dated March 11, 2023 of the Government . In Da Nang, with 4 social housing projects announced according to the list of the City People's Committee, credit institutions have disbursed 292 billion VND to investors and homebuyers.

Furthermore, following the directives of the Prime Minister and the State Bank of Vietnam, the branch has instructed credit institutions to vigorously implement the agricultural, forestry, and fisheries lending program; and to waive or reduce service fees for customers participating in the program. Specifically, lending to the agricultural, forestry, and fisheries sector in Da Nang is expected to reach VND 15,706 billion by the end of 2025.

The An Trung 2 Social Housing Project is in the final stages of completion and preparing for handover.

Accelerate the implementation of credit programs.

During the meeting, representatives from businesses requested that the State Bank of Vietnam, Region 9, clarify the application of credit policies for loans in the real estate sector. Specifically, loans for acquiring land use rights, purchasing, constructing, or renovating houses or construction works; and loans to individual customers for purchasing or renovating real estate within commercial and resort real estate projects. Businesses proposed that the State Bank of Vietnam provide specific guidance regarding real estate credit limits (room) and accompanying interest rate policies.

Regarding the real estate sector, according to a report by the State Bank of Vietnam Region 9, in 2025, the majority of outstanding real estate loans were concentrated in Da Nang, accounting for 83.97% of the total outstanding real estate loans in the entire region (Da Nang, Hue, Quang Ngai).

Rural tourism provides livelihoods for more than 4,000 households in Da Nang.

At the same time, the banking sector in the area has been actively implementing credit programs as directed by the Government, helping businesses and people access loans at reasonable interest rates, contributing to promoting economic growth in the region.

The Director of the State Bank of Vietnam, Region 9, shared: Aiming for a 15% credit growth rate in 2026 compared to 2025, the branch is accelerating the implementation of credit programs and solutions to meet the capital needs for economic development and the potential and strengths of the locality's sectors and fields.

Simultaneously, organize appropriate bank-business connection programs to identify difficulties and obstacles in the credit relationship between banks and businesses, in order to promptly address and resolve them. Continue implementing solutions to create favorable conditions for businesses to access bank credit by reviewing and simplifying procedures, credit application documents, collateral requirements, etc., while complying with legal regulations. Strengthen the application of digital transformation in the credit granting process...

Source: https://thoibaonganhang.vn/tao-dieu-kien-thuan-loi-de-doanh-nghiep-tiep-can-nguon-von-tin-dung-176927.html