Credit surges to record levels, boosting production for businesses.

(HTV) - By the end of 2025, credit across the entire system is expected to increase sharply as banks inject capital into production and business, thereby supporting businesses in maintaining growth.

In recent years, credit growth has typically surged only in the last quarter of the year. However, this year's developments show a different trend, with growth appearing earlier. As early as the third quarter, system-wide credit increased by approximately 14%, and by the end of November, it had exceeded 16.5%, thus meeting the growth target set for the entire year. It is projected that by the end of the year, credit could continue to increase to 19-20%, the highest level in nearly 15 years.

Forecasts indicate that by the end of the year, credit growth could continue to reach 19-20%, the highest level in nearly 15 years.

This development reflects the continued role of credit from the banking system as the "lifeblood" of the economy , flowing strongly into production and business activities, thereby creating additional financial capacity for businesses and contributing to maintaining sustainable growth. At the end of the year, effectively utilizing bank credit has helped many businesses, especially those in the wood export sector, significantly reduce financial pressure amidst international customers extending payment terms to 90-120 days. Simultaneously, this capital also helps businesses maintain raw material reserves for the production season, ensuring delivery schedules and stability in the supply chain.

As of the end of November, credit growth reached 16.56%, equivalent to approximately 18.2 million billion VND injected into the economy. Although this increase is considered high compared to the same period in previous years, the banking sector still faces parallel challenges regarding liquidity and credit quality control. According to experts, these issues need to be closely monitored but are not yet at a worrying level if managed cautiously and consistently.

Although this increase is considered high compared to the same period in previous years, the banking sector still faces parallel challenges regarding liquidity and credit quality control.

The forecast of record-high credit growth this year is seen as a positive sign for the financial and monetary markets, especially when capital flows are directed in the right direction and reach essential production and business sectors. This not only contributes significantly to economic growth but also helps consolidate macroeconomic stability, creating a foundation for future governance.

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Source: https://htv.com.vn/tin-dung-tang-ky-luc-doanh-nghiep-duoc-tiep-suc-san-xuat-222251212120607229.htm