Implementing the Prime Minister's direction in Directive No. 29/CT-TTg dated August 27, 2024 (Directive 29) on stimulating consumption, supporting production, business and developing the domestic market, Governor of the State Bank Nguyen Thi Hong has just signed and issued new document No. 8444/NHNN-VP.
Accordingly, the Governor requested units under the State Bank to continue to closely monitor, analyze, evaluate and forecast the domestic and foreign macroeconomic, monetary and inflation situation to proactively advise and propose appropriate management solutions to ensure stability of the monetary market, contribute to controlling inflation, promoting growth and ensuring the entire system.
Closely monitor the credit growth situation of each credit institution and the entire system, promptly report, advise, and propose reasonable coordination measures to promote safe and effective credit growth, ensuring capital flows into production, business, priority sectors, and economic growth drivers according to the Government's policies.
Direct credit institutions to implement solutions for safe, effective, substantive and legal credit growth; research and develop credit products and banking services specifically for the consumer sector, increase lending for life and consumption; promote lending through electronic and online forms; simplify loan and consumer loan procedures, create favorable conditions for people and businesses to access loans to promote consumption of domestically produced goods.
Tai van ban nay, Thong doc NHNN cung yeu cau cac TCTD tiep tuc trien khai cac giai phap tang truong tin dung an toan, hieu qua, thuc chat, huong tin dung vao cac linh vuc san xuat kinh doanh, linh vuc uu tien va cac dong luc tang truong. Chu dong thao go, xu ly cac kho khan, vuong mac nham thuc day tang truong tin dung noi chung va linh vuc cho vay doi song, tieu dung hieu qua, thuc chat.
Nghien cuu xay dung cac san pham tin dung, dich vu ngan hang danh rieng cho linh vuc tieu dung, tang cuong cho vay phuc vu doi song, tieu dung.
Promote lending through electronic and online forms; strengthen review and application of digital transformation to simplify lending and consumer lending processes and procedures, creating favorable conditions for people and businesses to access loans to promote consumption of domestically produced goods. Strengthen implementation of solutions to apply data from the national population database in lending activities to serve people's lives and consumption.
Maintain stable deposit interest rates, strengthen the implementation of solutions to reduce operating costs, simplify lending procedures, enhance the application of information technology and digital transformation to consider further reducing lending interest rates.
Actively and proactively implement preferential credit programs and policies according to the policies of the Government, the Prime Minister, and the State Bank. At the same time, actively implement the policy of restructuring debt repayment terms and maintaining debt groups for customers facing difficulties according to Circular 02/2023/ΤΤ-ΝΗΝΝ.
Along with that, proactively review and evaluate the quality of credit facilities and the production and business situation, the debt repayment ability of customers to consider applying appropriate solutions to overcome difficulties for customers, in accordance with legal regulations, ensuring that the State's policies reach people and businesses promptly and to the right subjects...
