In the afternoon of April 21, the National Assembly discussed the medium-term public investment plan; the 5-year national financial plan for the period 2026-2030; the plan for borrowing and repaying public debt for the period 2026-2030.
Delegate Nguyen Thi Kim Thoa (Vinh Long delegation) contributed opinions on the content of exploiting financial resources in the household and individual sectors.
According to the delegate, the very important endogenous resource of the economy has not yet been clarified about its role and solutions. This is an area that both creates domestic demand and provides sustainable capital for the economy, but it has not yet been promoted commensurately.
In 2025, total retail sales of goods and consumer service revenue reached 7 million billion VND, reflecting stable domestic demand.
In which, deposits of the residential sector are estimated at about 8 million billion VND, accounting for 50% of the total capital of the banking system.
According to the delegate, a large amount of assets in the people, especially gold, are still outside the financial system. This shows that resources in the people are very abundant but still dispersed, not yet led into production and business.
From that reality, delegates proposed solutions to strongly promote and unlock capital flows in the population, shifting from accumulation to investment. Develop a variety of formal, safe, and easily accessible investment channels, especially suitable products.
Also according to the delegate, there are many opinions proposing to issue bonds and some other forms and mobilization plans.
The delegate proposed having plans and other forms of investment such as transparent investment funds or controlled community capital mobilization models. When people have many suitable investment choices, idle money will lead into the economy instead of still being dispersed and in the people, causing inefficiency.
It is necessary to focus on improving financial capacity and strengthening people's trust. The current reality shows that many people have resources but lack confidence, lack information to invest effectively, and are also psychologically afraid of risks. Therefore, it is necessary to promote financial education in the community, helping people understand correctly, choose correctly and invest safely.
At the same time, pay attention to increasing people's ability to accumulate. This is the root of household finance. Have a clearer orientation on tax and social security policy reform in the direction of improving disposable income, helping people have conditions for long-term accumulation.
According to the delegate, it is necessary to adjust the family deduction threshold in accordance with the actual cost of living. Encourage the development of voluntary retirement insurance products, thereby creating a sustainable accumulation foundation for the people.
Previously, at the group discussion session on socio-economics on April 10, National Assembly Vice Chairman Nguyen Hong Dien clearly stated that there needs to be a solution for people and society to feel secure in putting money into investment, not "burying money in soil, in gold, or throwing money out of Vietnam's borders". This is an issue we need to think about.
From the above reality, the Vice Chairman of the National Assembly proposed that there must be steps to nurture revenue sources, nurture the strength of the people, and nurture the strength of businesses.
