Credit support for fruit and vegetable exports

Loan capital for the fruit and vegetable industry has grown strongly since the beginning of the year, contributing significantly to the billion-dollar export achievement of key fruits and regional specialties.

Bank supports the formation of closed production chains

According to records of Agribank branches in Vinh Long province, in recent months, lending activities for coconut material development in these localities have grown very strongly.

Large coconut production cooperatives such as An Thoi coconut cooperative have accessed tens of billions of dong in preferential interest rate loans (1.5%/year lower than the normal loan interest rate) to invest in upgrading coconut gardens, replacing old coconut varieties with new varieties with higher productivity and quality or renovating old coconut gardens.

Ms. Nguyen Thi My Hoa, Deputy Director of Agribank Ben Tre, said that recently, the bank has proactively supported people in setting up loan applications, building production plans, purchasing plans, and product consumption. The bank also acts as a bridge, helping businesses to implement linked loans through the coconut industry value chain. Through this bridge, closed production loan chains such as the coconut production - processing and export chain between Beinco Company and farmers and cooperatives have been established and developed very strongly.

Agribank representative said that thanks to preferential loans from the bank, thousands of households in Song Loc commune ( Vinh Long province) have now developed more than 1,500 hectares of specialty wax coconut. Some businesses (such as Phat Dang Company Limited) have invested heavily in imported ice cream making machines, freeze dryers, cold storage and factories that meet international standards.

Besides coconut trees, other specialty fruit growing areas such as durian, passion fruit, pineapple, banana in Vinh Long, Dong Thap, Can Tho, An Giang are also receiving tens of billions of dong in preferential interest rate loans from the banking system.

Statistics from the State Bank of Vietnam, Region 13 branch, show that outstanding loans for the fruit and vegetable industry in Tay Ninh and Dong Thap provinces as of the end of October 2025 reached nearly VND 17,700 billion, an increase of 34.4% compared to the end of 2024. Loans from banks have reached nearly 172,500 customers; mainly loans for the purpose of expanding gardens, purchasing and processing specialty fruits.

According to statistics from the banking sector, in Can Tho and Vinh Long regions, outstanding loans for the fruit and vegetable industry (by the end of October 2025) also reached about 14,400 billion VND, an increase of 17.92% compared to the end of 2024. In the whole Mekong Delta region, the current outstanding loans for production, purchasing - processing - exporting fruits and vegetables reached about 35,000 billion VND. This capital source supports many businesses to invest in modern technology, diversify deep-processed products, and meet the needs and standards of international markets.

Many businesses and cooperatives have recently accessed preferential loans from the banking system to invest in production, processing and export of key fruits and vegetables.

The thrust of repositioning competitive advantage

According to the Vietnam Fruit and Vegetable Association (Vinafruit), by the end of October 2025, the country's export turnover of this industry is estimated to reach over 7 billion USD. This association forecasts that if the remaining weeks of 2025, the international markets develop favorably, the fruit and vegetable industry can surpass the export threshold of 8 billion USD and move towards the 10 billion USD mark in the next few years.

Mr. Dang Phuc Nguyen, General Secretary of Vinafruit, said that currently, in addition to durian, other specialty fruits such as banana, mango, jackfruit, coconut, pineapple, grapefruit, passion fruit, etc. are all experiencing strong export growth in markets such as China, the United States, the EU, Australia, and South Korea.

The Ministry of Agriculture and Environment is currently focusing a lot of resources to develop the Pilot Project to build a standard agricultural and forestry raw material area for the period 2022-2025, including two fruit raw material areas in Son La and Dong Thap Muoi.

In addition, localities such as Ninh Binh, Thanh Hoa, Quang Nam, Dong Thap, An Giang... are also actively implementing sustainable development of many types of fruits with billion-dollar export potential such as coconut, pineapple, passion fruit with the goal of building raw material areas of 12,000 - 210,000 hectares.

In addition to challenges related to varieties, small-scale production, lack of growing area codes, and weak processing capacity, according to experts, the development of fruit and vegetable raw material areas is currently facing other difficulties in irrigation infrastructure, processing and preservation infrastructure, and transportation costs. In addition, in the southern region, climate change and saline intrusion are also seriously affecting fruit productivity and quality.

In that context, preferential policies on tax, credit and land are considered to be the main driving forces to encourage enterprises to invest in expanding large-scale production models and repositioning competitive advantages. Preferential credit policies for deep processing enterprises are considered to be a support to help the fruit and vegetable industry have sustainable output and ensure profits for farmers.

Records from banks show that currently, the Agribank system is the main force implementing loans for the Project to build 5 standard agricultural raw material areas. By the end of the third quarter of 2025, this bank had approached dozens of enterprises and most of the cooperatives participating in the Project to provide preferential loans. Some large enterprises (such as An Giang Vegetable and Food Joint Stock Company) in recent quarters have borrowed over 800 billion VND in short-term capital for export processing and operating linkage models.

In addition to Agribank, the preferential credit program for the agriculture, forestry and fishery sector (credit package of 185,000 billion VND) has attracted the participation of 15 banks nationwide with loan disbursement reaching over 100,000 billion VND (as of mid-2025). Among these, there are many loans for businesses in the fruit and vegetable export sector. These show that, with the strong growth rate of the fruit industry; outstanding loans for this sector will tend to grow positively, supporting the development of deep processing industry and restructuring of key export products in localities.

Source: https://thoibaonganhang.vn/tin-dung-tro-luc-cho-rau-qua-xuat-khau-173377.html