According to the content of document No. 4462/NHNN-CSTT, the State Bank of Vietnam requires credit institutions to continue to drastically implement solutions to reduce costs, simplify lending procedures, increase the application of information technology and digital transformation in the lending process to strive to reduce lending interest rates by 1-2%/year; especially for traditional growth drivers, emerging industries, green transformation, circular economy , social housing, etc.
This requirement aims to support businesses and people in developing production and business, increasing access to bank credit capital under the direction of the Government and the Prime Minister . Maintain a stable and reasonable mobilization interest rate level, consistent with the ability to balance capital, the ability to expand healthy credit and the ability to manage risks, stabilize the monetary market and market interest rates.
The State Bank of Vietnam (SBV) has just issued a document requesting credit institutions and foreign bank branches (FCs) to implement a number of solutions on credit and interest rates.
Credit institutions need to continue to implement effective, correct and targeted credit growth solutions, promptly meet the economy's credit capital needs, direct credit to production and business sectors, priority sectors and economic growth drivers, and be determined to implement practical and effective solutions to strive for a credit growth rate of 5-6% for the entire system by the end of the second quarter of 2024 according to the Government's policy and the Prime Minister's direction; strictly control credit for potentially risky sectors, ensuring safe and effective credit activities.
In addition, actively review projects to ensure timely credit supply for feasible projects, speed up loan approval, apply flexible measures and forms of loan collateral, in accordance with legal regulations, and facilitate customers to borrow capital. Promote diversification of banking credit products and services suitable for each customer segment, focusing on developing new credit products to meet the needs of serving people's lives and consumption.
Proactively and actively communicate promptly, clearly and fully about the policies, products and services of credit institutions to help people and businesses grasp, understand and access the programs and policies of credit institutions. At the same time, continue to promote participation in bank-business connection programs, proactively coordinate with local Party committees, authorities, and socio-political organizations to organize exchanges and dialogues with loan customers to grasp and promptly handle and remove difficulties and problems of customers effectively and substantially, thereby expanding the ability of businesses and people to access credit capital.
An Ha
Source: https://www.congluan.vn/yeu-cau-cac-tctd-thuc-hien-mot-so-giai-phap-ve-tin-dung-va-lai-suat-post297488.html
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