Focusing on credit flows for production and business activities

At the end of the year, production, business, and export activities are often quite vibrant. Therefore, many enterprises want to access loan packages with suitable interest rates to ensure production and business.

Production of cashew products at a business in Xuan Hoa Commune, Dong Nai Province. Photo: Hai Qua

With the task of supplying capital to organizations, businesses, and citizens, many commercial banks in Dong Nai Province have increased credit capital sources for investment in the fields of export manufacturing, industrial production, and small- and medium-sized enterprise (SME) development,...

Promoting credit programs for priority sectors

According to data from the State Bank of Vietnam (SBV) – Region II Branch, as of the end of September 2025, total outstanding credit in Dong Nai Province reached VND 577 trillion, up 9.2% compared to the end of 2024. Although this growth is slightly lower than the national average, credit activities in the province rebounded after two consecutive months of decline, reflecting the effectiveness of monetary policies in supporting enterprises.

Deputy Director of SBV Region II Branch Nguyen Duc Lenh shared: “In the first nine months of 2025, credit growth in Dong Nai continued to be closely linked to and effectively reflected the SBV's monetary and credit policy mechanism and interest rates in 2025, with the primary task of supporting businesses and promoting economic growth. In particular, policy loans, agricultural and rural development lending, loans for industrial zones and export processing zones, social housing projects… have continued to grow in line with SBV policies. The credit structure was reasonable, with short-term credit accounting for 62.6% of total outstanding loans and continuing to focus on the production and business sectors.

Many banks in the province have prioritized lending to production and business, especially priority sectors. At the same time, they are shifting their customer structures toward expanding retail lending, SME credit, and developing foreign-invested enterprises, while consolidating relationships with large corporate clients and promoting green credit.

Deputy Director of the Bank for Agriculture and Rural Development (Agribank) Dong Nai branch Tran Thi Hai Ha shared: The branch promotes modern financial solutions, encourages green credit, supports clean and organic agricultural projects... The branch synchronously implements priority credit policies. From small farmers to high-tech agricultural enterprises, all have access to financial resources to expand production and build sustainable value chains.

According to the SBV Region II Branch, many banks in the province have also boosted lending to the five priority sectors. In particular, short-term loans in Vietnamese Dong with preferential interest rates for 5 sectors, including small and medium enterprises, supporting industries, high-tech enterprises, exporters, and agricultural and rural field, reached approximately VND 24.8 trillion by early September 2025. These short-term, low-interest loans have created favorable conditions for businesses to expand operations effectively, particularly in industries driving economic growth.

Strengthening bank–business connections

Experts believe that in order to enhance the effectiveness of credit flows in production and business activities, the banking sector needs to strengthen coordination with relevant agencies to implement programs that foster bank–enterprise connectivity in appropriate forms. This would help promote the implementation of solutions to remove difficulties, creating favorable conditions for businesses to access capital with appropriate lending interest rates, and effectively accessing preferential loan packages.

Production activities at a food processing enterprise in Binh Loc Ward, Dong Nai Province. Photo: Hai Quan

Chairman of the Dong Nai Province Business Federation Dang Van Diem said: Currently, many enterprises, especially small and medium-sized ones, want to access credit programs and sources, especially preferential capital sources with suitable interest rates. These sources of capital would help the enterprises maintain and expand operations, as well as invest in upgrading production lines and adopting new technologies.

Director of Vinahe Company Limited (in Phuoc Binh Ward, Dong Nai Province) Nguyen Hoang Dat shared: The company wants to access credit programs with preferential interest rates to invest in production equipment, especially during the year-end peak season. This is a key factor in improving productivity and business performance.

Deputy Director of SBV Region II Branch Nguyen Duc Lenh added that favorable factors for expansion and growth credit are being maintained. In which, the operations of credit institutions in the province remain stable, credit quality is ensured, and bad debts are under control, while business performance is sustained. These are crucial elements enabling credit institutions to effectively implement SBV policies, effectively expand credit growth, and best meet the capital and banking service needs of enterprises and the economy in the last months of the year. The surge in production, trade, and service activities toward the end of the year will continue to be a major driving force for both economic and credit growth across Dong Nai Province.

By Hai Quan – Translated by Thuy Trang, Thu Ha