At the Workshop "Improving the efficiency of green credit capital flows, a driving force for economic growth" organized by Lao Dong Newspaper in coordination with the Ministry of Agriculture and Environment and the State Bank of Vietnam on June 23, 2026, Mr. Nguyen Quang Ngoc - Deputy Head of Credit Policy Department of Agribank said that the bank is implementing many credit products to support customers in the agricultural and rural sectors to access capital more conveniently, including loans that do not require collateral with large limits.
According to Mr. Ngoc, based on the new regulations of the Government on credit to serve agricultural and rural development, Agribank has developed credit products in the direction of reducing the requirement for collateral for customers.
Accordingly, individuals and households can borrow up to 300 million VND without collateral. For business households, the loan limit without collateral is up to 500 million VND.
Notably, for cooperatives and cooperative unions, Agribank can lend up to 5 billion VND without collateral.
Businesses participating in the agricultural production linkage chain as members can borrow up to 70% of the project value or production and business plan without collateral. For key businesses in the linkage chain, this ratio is up to 80%.
For organic agricultural projects, customers can borrow up to 70% of the project value without collateral.
According to Agribank representatives, if meeting the conditions according to regulations on credit to serve agricultural and rural development, customers can completely access credit products designed in a practical direction, suitable for the capital needs of production and business activities.
In addition to expanding the mechanism of lending without collateral, Agribank is also promoting the implementation of green credit. By the end of 2025, the bank has nearly 39,000 customers granted green sector credit with a total outstanding balance of nearly 28,000 billion VND.
Agribank's green credit balance is currently mainly concentrated in the fields of renewable energy and clean energy, accounting for 53%; sustainable forestry accounts for 27%; green agriculture accounts for 20%.
According to Mr. Nguyen Quang Ngoc, Agribank is implementing many large-scale credit programs to serve the development of green agriculture, high-tech agriculture and sustainable production models. These include a loan program for agricultural development applying high technology, clean agriculture with a minimum scale of 50,000 billion VND and a credit program to implement the Project of 1 million hectares of high-quality, low-emission rice in the Mekong Delta with a minimum scale of 30,000 billion VND.
However, Mr. Ngoc said that the development of green credit still faces many difficulties due to the lack of a system to classify green economic sectors and a standardized list of green projects; many businesses still have limitations in preparing environmental dossiers and ESG reports; while green projects often have long-term capital needs with low costs.
Representatives of Agribank proposed to soon complete the legal framework on green credit, build a unified green economic sector system and have appropriate support mechanisms to promote green capital flows to spread more strongly in the economy.
