The Resolution emphasizes: The private economy is one of the important driving forces for development, which needs to be encouraged to develop rapidly, sustainably, effectively and with high quality. In that spirit, the Resolution requires all levels and sectors to concretize it into institutions, policies and synchronous action programs, in order to maximize the liberation of social resources. The focus is on: Perfecting the institutional framework of a socialist-oriented market economy; Promoting administrative reform, removing barriers, especially in accessing capital; Encouraging business households to transform into enterprises, supporting small and medium enterprises; Promoting green business, digital business, improving competitiveness; Mobilizing and effectively allocating resources from within society in combination with international integration.
Agribank - as the key State Commercial Bank investing in agriculture, farmers and rural areas - plays an important role in promoting private economic development in particular and socio-economic development in general. Agribank is both an important financial tool in realizing the policies of the Party and the State, and directly provides essential capital for millions of enterprises, cooperatives, and production and business households - the core components of the private economic sector. Accordingly, the leadership role of the Agribank Party Committee is key, not only guiding the operations of the entire system, but also contributing decisively to bringing the goals and requirements of Resolution 68 into life, creating substantial changes for the development of the private economy in Vietnam.
Agribank Party Committee plays the role of political nucleus, ensuring unity in perception and action of the entire system.
Resolution 68-NQ/TW not only opens a new vision for the private economic sector, but also sets out specific and comprehensive requirements for financial institutions and banks - the "blood vessels" that ensure resources for development, including Agribank. In the process of implementing Resolution 68-NQ/TW, the Party Committee of Agribank plays the role of political nucleus, ensuring unity in perception and action of the entire system, thereby concretizing the Party's major policies into practical resources and driving forces for private economic development. That leadership role is demonstrated in many aspects, reflecting the proactiveness, determination and creativity of Agribank in the new period.
Based on Resolution 68, Agribank has issued an Action Program to concretize Resolution 68-NQ/TW dated May 4, 2025 of the Politburo, Decision 2415/QD-NHNN and Decision 2416/QD-NHNN dated June 25, 2025 of the State Bank of Vietnam (SBV) on implementing tasks on private economic development. Agribank Party Committee has thoroughly grasped, institutionalized and created a unified awareness throughout the system on the goals and solutions of Resolution 68, linked with the business plan and clearly assigned responsibilities to each unit and individual, while strengthening supervision and periodic reporting, promptly removing obstacles, and turning reform commitments into concrete actions.
The Agribank Party Committee identified important tasks in line with the spirit of Resolution 68 such as: institutional reform, improving implementation efficiency; promoting green credit and innovation; strengthening value chain connectivity, encouraging sustainable business; expanding comprehensive finance, bringing banking services closer to all economic sectors, especially small and medium enterprises and business households in rural areas. These key tasks not only reflect the strategic vision but also demonstrate the acumen in grasping the new development requirements of the economy.
Agribank strives to improve processes, apply technology, shorten project appraisal time, loan plans; reduce costs to reduce loan interest rates, expand credit capital for the agricultural sector. At the same time, the Agribank Party Committee continues to promote digital transformation, deploying a series of technology application solutions in business processes: from credit appraisal, cash flow management to customer information verification. These innovations help improve accuracy, shorten processing time, minimize operational and credit risks. Agribank provides digital banking service platforms suitable for businesses, contributing to supporting production and business activities. Thereby, it has created a more favorable environment for the private economic sector, while improving the effectiveness of bank risk management, affirming the important role of Agribank in accompanying the development of the country's economy.
Promoting green credit and sustainable development
In the context of the world facing major challenges of climate change, resource depletion and sustainable development requirements, Resolution 68-NQ/TW has set an important direction: the private economy promotes green and circular development, associated with innovation and digital transformation. Contributing to realizing this direction, the Party Committee of Agribank has demonstrated a clear leadership role in building and promoting green credit as one of the key tasks.
First of all, the Agribank Party Committee has issued specialized resolutions and directed the entire system to integrate environmental - social - governance (ESG) criteria into credit activities. This is not only a requirement in loan appraisal, but also a strategic change: projects and production and business plans when accessing capital from Agribank are considered in both aspects - economic efficiency and impact on the environment and society. This approach helps to screen and prioritize private enterprises investing in clean agriculture, renewable energy, green processing or energy-saving production.
In addition, the Party Committee directed the implementation of preferential credit packages associated with green criteria. Many credit programs for organic agriculture, production according to VietGAP, GlobalGAP standards, or investment in energy-saving technology were widely deployed with preferential interest rates. Agribank has contributed to creating motivation and encouraging small and medium enterprises and business households to boldly invest in new fields with high added value and environmental friendliness.
From Agribank's credit capital, many typical high-tech and clean agricultural models have emerged across the country, bringing great economic values to households and localities. Many organic vegetable and fruit growing models in Son La, Lao Cai, clean tea areas in Thai Nguyen have achieved international certification; circular livestock farms associated with renewable energy in Bac Giang have been developed. Models of organic medicinal herbs and safe vegetables in Quang Nam, Quang Ngai; high-tech dairy farming areas in Nghe An; shrimp farms using Biofloc technology and water circulation in Phu Yen, Khanh Hoa; sustainable forest development and green wood processing projects in Quang Tri, Thua Thien Hue... have also been replicated. In addition, high-tech vegetable and flower growing areas in Lam Dong with smart greenhouse and membrane house systems; organic fruit tree models with growing area codes in Dong Nai, Tien Giang, Ben Tre; The clean pangasius farming model combined with solar energy in Dong Thap and An Giang has brought high economic efficiency.
These models not only increase the value of Vietnamese agricultural products, but also contribute to environmental protection, increase farmers' income, and create a foundation for green transformation in the private economic sector.
The Agribank Party Committee also emphasized the role of the bank in supporting the comprehensive green transformation process. Not only stopping at providing capital, Agribank also accompanies businesses in consulting, training, improving environmental risk management capacity, accessing new technologies and connecting markets. Many forums, seminars and communication programs have been organized to spread awareness of sustainable development, helping private businesses understand that green investment is not a burden but an opportunity to improve long-term competitiveness, an inevitable trend in the present and the future.
Leading credit capital and financial support prioritized for the private economic sector
Based on the spirit of Resolution 68-NQ/TW, the Party Committee of Agribank has directed to continue to lead credit capital and provide appropriate financial solutions for the private economic sector. Realizing that capital is the "blood vessel" of the economy and is the decisive factor for the existence and development of enterprises, especially small and medium enterprises and business households, the Party Committee of Agribank has directed the entire system to implement many appropriate preferential credit programs, go deep into practice and create clear changes.
The credit packages are designed in a diverse manner, suitable for each target group: from small and medium enterprises, individual business households converting into enterprises, to import-export projects, high-tech agricultural production and business, clean agriculture and new business models requiring working capital. Agribank has contributed to creating a foundation for the private economy to innovate its model, increase competitiveness, and participate more deeply in domestic and foreign value chains.
To further support the business community and the private economic sector, in the first months of 2025, Agribank continued to reduce the short-term lending interest rate floor by 0.2% - 0.5% to promote credit growth, while implementing 9 credit programs with a scale of over 350 trillion VND with lending interest rates 1% - 3% lower than normal interest rates, ensuring full provision of credit products to all customers. In particular, for enterprises in the private economic sector alone, Agribank reserved a capital source of 240,000 billion VND, applicable to many customer groups such as: large enterprise customers, small and medium enterprises, FDI customers, import-export customers... These flexible credit packages not only have attractive interest rates but also come with a shortened credit approval process, simplified application procedures, helping businesses access capital quickly.
Investment credit sources for the private economic sector currently account for about 80% of Agribank's total outstanding loans, equivalent to about 1.4 million billion VND. Outstanding loans for large-scale private enterprises reached over 400 trillion VND, accounting for about 90% of outstanding loans to corporate customers and have increased by more than 25% over the past 5 years.
Connecting value chains and expanding financial inclusion
As the leading State-owned commercial bank in the field of "Tam Nong", Agribank, under the direction of the Party Committee, has focused on directing credit capital into production-consumption chains in agriculture and the processing industry. The formation of "4-house" linkage models - Farmers, Enterprises, Scientists and the State - is strongly supported by Agribank, helping production households and private enterprises stabilize output, increase the value of agricultural products, and at the same time promote the formation of private enterprises with the capacity to participate deeply in the global supply chain. This is a testament to the leadership vision: not only providing capital, supporting enterprises to develop production and business, but also connecting and spreading value throughout the economy.
Along with the value chain integration, the Agribank Party Committee considers comprehensive finance an important political task. Under the leadership of the Party Committee, Agribank has expanded banking services to remote, border and island areas, where the private economy is mainly individual businesses, cooperatives or small enterprises. A series of convenient products and services such as debit cards, e-banking, cashless payments, and linked e-wallets have been applied to ensure that all people and businesses, no matter how small, can access the formal financial system. This is a step of great social significance, contributing to reducing "black credit", improving access to safe and transparent capital for the private economic sector in particular and people in remote areas in general.
It can be affirmed that, with the wise leadership of the Party Committee, Agribank has become an important bridge between financial resources and the development practices of the private economy. Promoting value chain connectivity and expanding comprehensive finance not only improves the production and business efficiency of each enterprise, but also contributes to realizing the goal of Resolution 68-NQ/TW, building a dynamic, creative, highly competitive private economic sector and becoming an important driving force of the socialist-oriented market economy.
It can be affirmed that the leadership role of the Agribank Party Committee has created a high level of unity in perception and action, turning the Party's major policies into specific programs linked to business activities. Synchronous solutions on institutional reform, green credit, digital transformation and comprehensive financial expansion have been directly contributing to promoting the private economic sector to develop in the right direction, creating an important foundation for the next stage of prosperity and sustainability.
Source: https://daibieunhandan.vn/vai-tro-lanh-dao-cua-dang-uy-agribank-trong-phat-trien-kinh-te-tu-nhan-bai-1-tu-nghi-quyet-so-68-nq-tw-den-hanh-dong-thuc-tien-tai-agribank-10394873.html
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