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Connecting credit support packages with enterprises

Recently, many branches of commercial banks in the province have supported customers through support packages deployed by the head office to the branch level with many product packages in the direction of lending with preferential interest rates. Offer incentives according to customers, proactively balance capital sources to reduce interest and fees for customers, especially credit support solutions for customers and businesses affected by the Covid-19 epidemic. According to the provisions of Circular No. 01/2020/TT-NHNN and related amendments and supplements.

 


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Many bank branches in the province have recently implemented many loan packages and credit support programs for customers affected by the Covid-19 epidemic.

 

However, to access these preferential loan packages requires businesses to meet loan conditions and procedures from banks. In fact, many small and medium enterprises are not easy to prove their financial capacity, prove the impact of the epidemic on revenue and income, etc.

 

The director of a transportation company in Bien Hoa City shared that the company is still borrowing money from a bank at an interest rate of more than 10% per year to meet the capital needs for production and business. The company wishes to access loan packages with lower interest rates for production and business activities in the near future.

 

Mr. Nguyen Tien Chuong, Chairman of Dong Nai Import-Export Association, said that access to preferential loans or low interest rates is still based on negotiations between businesses and banks. Businesses are currently operating and recovering in the "post-Covid-19" period. However, the epidemic situation is still complicated, the price of raw materials and transportation charges has increased, which has affected the production and export activities of many enterprises. Therefore, it is necessary to have suitable loan programs and packages for businesses, especially small and medium enterprises, to access during this period.

Mr. Chau Minh Nguyen, Vice Chairman of Dong Nai Business Association shared, credit support packages, preferential loan packages for businesses, especially small and medium-sized enterprises, businesses affected by the Covid-19 epidemic in terms of policy is reasonable and necessary, especially when the situation of the Covid-19 epidemic is still complicated, the production and business situation of many businesses is difficult. By nature, the bank itself is also an enterprise operating in the monetary field, but as an enterprise, it must also calculate to prevent risks, have a suitable support connection plan, and ensure profits. Therefore, in reality, it is still not easy for businesses, especially small and medium enterprises to access preferential capital or credit support plans from banks, especially in terms of criteria and conditions for a loan.

 

According to the State Bank of Vietnam, Dong Nai Branch, in the coming time, the Bank will direct credit institutions in the area to continue effectively implementing solutions to support people and businesses; cutting operating costs, reducing profit targets, etc. to continue reducing lending interest rates in 2022. Priority is to be given to supporting small and medium-sized enterprises, enterprises in industries and fields heavily affected by During the Covid-19 epidemic, enterprises have good governance systems, are able to recover production and business well.

 

At the same time, balance capital sources, direct credit to production and business fields, priority fields according to the Government's policy; lending for life, consumer credit with reasonable interest rates, supporting socio-economic recovery and development, ensuring compliance with relevant laws.

 

Mr. Pham Quoc Bao, Deputy Director of the State Bank of Vietnam Dong Nai Branch, said that the bank will continue to closely monitor the situation and direct credit institutions in the area to support businesses affected by the pandemic. Covid-19 epidemic according to relevant circulars of the State Bank of Vietnam, creating favorable conditions for customers and businesses to access credit sources on the basis of reviewing and simplifying processes and procedures in compliance with the Law.

                                                                                            Phan Anh 

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