At the regular September Government press conference held on October 5, Deputy Governor of the State Bank of Vietnam (SBV) Doan Thai Son provided detailed information on credit growth and capital flow orientation in the economy .
Accordingly, based on the Government 's economic growth target, the State Bank has set a credit growth target of 16% for 2025 and will flexibly adjust it according to reality. To achieve this target, the State Bank has directed credit institutions (CIs) to focus on safe and effective credit growth, targeting production and business sectors, growth drivers, and simplifying lending procedures.
With the synchronous implementation of solutions, as of September 29, 2025, the total outstanding credit balance of the whole system has reached VND 17.41 trillion, an increase of 13.4% compared to the end of 2024.
Deputy Governor Doan Thai Son said that the credit structure is basically consistent with the economic structure. About 78% of outstanding credit is directly supporting production and business activities.
Priority sectors under the direction of the Government account for a very large proportion. Specifically, by the end of August 2025, outstanding loans for the agricultural and rural sectors reached VND 3.9 million billion, accounting for about 22.6% of total outstanding loans; credit for small and medium enterprises reached about VND 3.3 million billion, accounting for 19.04%.
In particular, a number of priority sectors recorded very high growth rates compared to the end of 2024, showing that capital flows are being directed effectively. In particular, the supporting industry sector grew by about 23.4%; credit for high-tech enterprises grew strongly by 25.14%.
Credit programs under the direction of the Government and the Prime Minister are also being actively implemented. The loan program to overcome difficulties for the agricultural, forestry and fishery export sector has a total cumulative disbursement of about 166,000 billion VND.
The social housing loan program and loan program for young people under 35 years old under Decision No. 33/QD-TTg also achieved positive results with a total disbursement of about VND 4,000 billion, an increase of 66.2% compared to the end of 2024.
In the coming time, the State Bank will continue to manage credit in accordance with the capital absorption needs of the economy, directing credit institutions to direct credit to production and business, growth drivers, and at the same time strictly control areas with potential risks. In addition, the State Bank will promote the implementation of interest rate support policies, aiming at the goal of green growth and circular economy.
Source: https://doanhnghiepvn.vn/kinh-te/dong-von-do-vao-linh-vuc-uu-tien-cong-nghe-cao-tang-vot/20251005100200926
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