At the seminar "Effectively mobilizing capital sources, serving the goal of double-digit growth" held on the afternoon of March 12, Mr. Doan Viet Nam - Deputy General Director of BIDV said that the capital demand for the economy in the coming period is very large. According to experts' estimates, in 2026 alone, the capital demand to promote economic growth may reach about 4.9-5 million billion VND, equivalent to about 33-33.7% of GDP.
Need a multi-layered financial ecosystem
Looking back at the figures on the capital demand of businesses serving the double-digit economic growth target, representatives of the Bank for Investment and Development of Vietnam (BIDV) said that studies show that the industry and construction sector need to achieve a growth rate of about 11-12%/year, while the service sector needs to grow by over 10%/year.
The experience of many rapidly growing economies shows that developing a multi-layered financial ecosystem is an important factor in effectively mobilizing resources for development investment.
In which, commercial bank credit still plays a key role in financing large-scale investment projects, especially infrastructure and industrial projects. Not only providing capital, banks also participate in consulting, financial structure and arranging syndicated loans for businesses.
In addition, the capital market plays an important role in providing medium and long-term capital sources through the issuance of corporate bonds, project bonds and stocks. The development of the capital market will contribute to reducing the pressure of providing long-term capital for the banking system.
In addition, project financing models and international capital from development finance institutions, foreign banks and infrastructure investment funds are also considered important resources to supplement long-term capital for the economy.
Banks strengthen capital arrangement for key projects
With the role of one of the largest commercial banks in Vietnam, BIDV said it is focusing on implementing many solutions to support businesses to expand investment.
Currently, the total capital the bank provides to customers reaches about 2.3 million billion VND, of which outstanding loans to corporate customers account for nearly 1.2 million billion VND. The bank also plays a leading role in appraising, financial structure and arranging domestic and international syndicated loans, especially for transport infrastructure, energy, industrial park and logistics projects.
In parallel with that, the bank develops supply chain financing solutions, receivable financing and supplier financing to support businesses to optimize cash flow in production and business activities.
In early 2026, the bank also implemented the SCFast 2026 program with a scale of 15,000 billion VND, supporting businesses in the supply chain through a flexible funding limit mechanism based on actual transactions between central enterprises and satellite enterprises.
It is necessary to improve the mechanism to unlock capital flows
However, according to Mr. Doan Viet Nam - Deputy General Director of Vietnam Bank for Investment and Development (BIDV), in the process of implementing financing of large projects, the banking system still faces many difficulties in balancing mobilized and lending capital sources, as well as under pressure from safety indicators according to regulations of management agencies.
Therefore, the bank proposed that the Government and the State Bank of Vietnam continue to improve the legal framework for the corporate bond market, develop the investment fund market and encourage the issuance of project bonds and green bonds to reduce long-term capital supply pressure for the banking system.
In addition, there needs to be a separate credit mechanism for key infrastructure projects, industrial park projects, energy and logistics, and at the same time complete the legal framework for the public-private partnership (PPP) model to strongly attract capital from the private sector and international financial institutions.
According to a bank representative, in the journey towards the goal of double-digit economic growth, the mobilization and effective allocation of financial resources will play a key role. Commercial banks, especially those with large capital arrangement capacity, will continue to play an important role in connecting domestic and international capital flows, accompanying businesses and the economy on the path of sustainable development.
