Since the beginning of the year, the production and business activities of many sectors in the province have improved, showing positive signs of capital absorption in the economy . From there, it not only meets the requirements of expanding production and business of people and enterprises but also supports sustainable economic growth.
Implementing the direction of the State Bank of Vietnam (SBV) and SBV Region IV, since the beginning of the year, credit institutions (CIs) in the province have resolutely implemented many solutions to remove difficulties, creating favorable conditions for businesses and people to access capital to promote credit growth such as: Publicizing average lending interest rates, the difference between average deposit and lending interest rates, information on lending interest rates of credit packages, programs, and products on the bank's website.
Implement credit growth according to the additional growth target adjusted by the State Bank of Vietnam; promote bank-enterprise connections, offer many preferential credit packages suitable for each customer group, simplify loan procedures, apply digital transformation to the credit granting process, create favorable conditions for people and businesses to access bank credit capital.
Restructure debt, maintain debt group, provide new loans for enterprises to restore production and business. Improve credit quality, focus credit on production and business sectors, priority sectors according to Government policy; strictly control credit for sectors with potential risks.
By the end of May 31, the total mobilized capital in the province reached more than 146 trillion VND, an increase of 4.64% compared to the end of 2024 (an increase of 6,516 billion VND). In the capital structure, people's deposits grew well, reflecting people's trust in the bank savings channel.
From abundant mobilized capital, credit results have continuously grown, from 0.31 - 3.45%/month with outstanding credit reaching more than 153 trillion VND, up 6.6% compared to December 2024 (up 9,482 billion VND).
At VietinBank Phuc Yen, with the orientation of credit development focusing on priority and important areas, the growth drivers of the economy such as consumption, production, investment... of businesses and people.
In the past time, the unit has taken good care of existing customers, expanded and exploited the market share of customers with credit limit and collateral space; increased the wide and diversified offering of payment solution packages and account service packages.
Maintain the average lending interest rate for normal production and business sectors from 6 - 6.5%/year for short term; 9-10.5%/year for medium and long term... Thanks to that, the total outstanding loan balance by the end of May 2025 is estimated to reach nearly 6,500 billion VND.
Committed to narrowing the gap between input and output, reducing profits to continue accompanying customers, a representative of VietinBank Phuc Yen said: Along with the Government's direction on increasing access to capital for businesses, the unit strives to implement many solutions to promote credit, such as implementing preferential loan packages for some target groups; lending with low interest rates, reducing lending interest rates, increasing credit limits...
At the same time, apply flexible mechanisms to maintain relationships with traditional customers who have large and stable deposits. Thereby, contributing to helping businesses and business households access good credit capital to expand and develop production and business, promoting economic growth.
To ensure the credit growth target of 15% in the coming time, the Provincial People's Committee requested the State Bank of Vietnam, Region IV, to direct local credit institutions to continue to maintain stable deposit interest rates to support people and businesses in accessing loans at reasonable costs.
Direct credit to production and business sectors, priority sectors, and growth drivers of the province such as automobiles, motorbikes, mechanical engineering, electricity, electronics, semiconductor technology, etc.
It is recommended that credit institutions develop credit products for industries and sectors in line with the business strategy and resource balancing capacity of the credit institution; focus on credit investment in key projects and works, green credit, and credit serving the development of the province's strengths.
Promote the implementation of the Social Housing Loan Program according to Resolution No. 33 of the Government on a number of solutions to remove obstacles and promote the safe, healthy and sustainable development of the real estate market.
Effectively implement the tasks of the banking sector in credit programs in 2025, especially the 500 trillion VND credit package, with interest rates 1% lower than normal lending rates, creating new momentum for economic growth.
Publicly and transparently disclose information on loan processes, procedures, and interest rates to ensure that individuals and businesses in need of loans can promptly grasp information, complete loan procedures in accordance with regulations, and facilitate the investment process and production and business activities.
Article and photos: Ngoc Lan
Source: http://baovinhphuc.com.vn/Multimedia/Images/Id/129219/Tin-dung-mo-rong-dap-ung-cho-tang-truong-kinh-te
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