From the beginning of 2024 until now, functional branches in Binh Thuan have strengthened solutions to prevent, stop and handle black credit activities in the area. In particular, propagate to workers and employees in Industrial Parks about the consequences and harms of borrowing money at high interest rates, borrowing money without collateral... to raise awareness and actively participate. denounce crimes and violations of law related to black credit activities.
However, in difficult financial situations and for many other reasons, it is easy for workers to turn to black credit to borrow money with advertisements for "quick procedures"... leading to a situation where loans are easy to obtain. Difficult to pay, debt piled up.
What is the solution for workers who need consumer loans to buy vehicles, to buy social housing... is a question many workers are interested in.
According to Mr. Ly Van Hoai Vu - Deputy Head of General Department, Human Resources and Internal Control, State Bank Binh Thuan Branch, regarding consumer credit, the State Bank has directed credit institutions Expanding multiple products, promoting credit to serve production, business and consumption with reasonable interest rates. At the same time, simplify lending procedures. In addition, a number of credit institutions such as financial companies have also implemented and promoted loan programs so that workers can access capital.
“The banking industry's policy of supporting preferential credit for customers, especially low-income workers, and borrowing capital for consumption, construction, home repair, and buying houses in installments is relatively low. fully and is being implemented by the banking industry," Mr. Vu emphasized.
In addition, for the credit segment to buy housing for low-income people, up to now, the State Bank has implemented a social housing loan program according to Decree 100, a credit program of VND 120,000 billion. for investors and buyers of social housing and worker housing according to Resolution 33 of the Government.
In addition, policy mechanisms have been deployed to agencies and propaganda on electronic information portals of Binh Thuan province and VCCI to propagate to businesses. On that basis, businesses deploy it to workers.
In addition to support policies from banks, strengthening legal propaganda so that when workers encounter financial difficulties, they do not have to seek black credit and do not let criminals use black credit. has opportunities to penetrate and operate high-interest lending activities. From there, it helps workers feel secure in their work and production, contributing to ensuring security and order in businesses and industrial parks.
