Resolutely implement credit policy plans to ensure maximum efficiency of loans.

On the morning of October 17, Vice Chairman of the Provincial People's Committee Tran Bao Ha - Head of the Board of Directors of the Provincial Bank for Social Policies (BSP) chaired the regular meeting of the third quarter to evaluate the results of 9 months' activities and deploy tasks for the fourth quarter of 2025.

Attending were comrade Nguyen Trong Hieu - Member of the Provincial Party Committee, Director of the Department of Finance and leaders of a number of departments and branches.

Vice Chairman of the Provincial People's Committee Tran Bao Ha chaired the meeting.

In the first 9 months of 2025, the Provincial Bank for Social Policies has proactively followed guidelines, policies, and directions, closely coordinated with all levels, sectors, and socio-political organizations to focus on implementing solutions to effectively fulfill assigned targets and tasks.

By September 30, 2025, the total policy credit capital in the area reached VND 7,731.8 billion, an increase of 7.4% compared to 2024. The total outstanding policy credit reached VND 7,721.9 billion, an increase of 7.3% compared to the beginning of the year, an increase of VND 60.7 billion compared to June 30, 2025 with more than 94,000 customers with outstanding debt, the plan completion rate reached 98.8% (ranked 3rd nationwide). Overdue debt of VND 5.2 billion, accounting for 0.068% of total outstanding debt and frozen debt of VND 4.2 billion, accounting for 0.05% of total outstanding debt.

Ms. Bui Thi Ngoc Ha - Director of the Provincial People's Credit Fund reported on the results of policy credit work in the area in the first 9 months of 2025.

In 9 months, policy credit capital has supported investment capital for production and business, creating jobs for 17,085 workers, including 10 workers working abroad for a limited period; helped 383 students in difficult circumstances to borrow money for their studies, including 25 students studying STEM; built more than 24,000 clean water and sanitation facilities in rural areas and built and repaired 330 social houses for policy beneficiaries.

Policy credit capital also contributes to restoring and developing a number of traditional occupations, contributing to the implementation of the national goal of sustainable poverty reduction, building new rural areas and ensuring social security in the area.

Director of the Department of Finance Nguyen Trong Hieu spoke at the meeting.

At the meeting, delegates focused on evaluating the results achieved, analyzing and clarifying the causes leading to the existence and limitations in policy credit activities in the area and proposing and suggesting a number of solutions to improve the effectiveness of lending programs at the Vietnam Bank for Social Policies.

Mr. Nguyen Tuan Vu - representative of Ha Tinh Provincial Youth Union spoke at the meeting.

Concluding the meeting, Vice Chairman of the Provincial People's Committee Tran Bao Ha acknowledged the achievements and efforts of the provincial branch of the Vietnam Bank for Social Policies, the effective coordination between the bank and Party committees, authorities at all levels, and socio-political organizations, actively contributing to stabilizing people's lives after natural disasters, restoring production and developing the province's socio- economy .

Vice Chairman of the Provincial People's Committee Tran Bao Ha concluded the meeting.

The Vice Chairman of the Provincial People's Committee requested the Provincial Board of Directors to continue advising the Party Committee and the Government to effectively implement Directive No. 39-CT/TW and Decision 1560/QD-TTg of the Prime Minister; strengthen inspection and supervision of establishments; promote the role and responsibility of each member of the Board of Representatives according to the assigned area.

The Department of Finance shall preside over and coordinate with relevant departments and branches to submit to the Provincial People's Committee for approval the public investment capital plan for the period 2026-2030, ensuring that by 2030, local budget capital accounts for at least 15% of total policy credit capital.

The provincial Social Policy Bank resolutely implements the credit plan, ensuring 100% completion of the assigned targets for 2025; focuses on disbursing capital on schedule, prioritizing loans for production recovery, students, social housing, clean water and rural environmental sanitation. Organizes debt review, comparison, and classification by October 31 to basically complete the plan; at the same time, promptly handles debts at risk due to the impact of storms No. 5 and No. 10 according to regulations.

In addition, continue to closely coordinate with the commune-level police to ensure security and safety at transaction points; maintain stable operations of 209 commune transaction points (old), after 1 year of implementation, the 2-level local government should evaluate the suitability with the current commune-level model to make appropriate adjustments. Strengthen communication, inspection and supervision work, ensure that capital is lent to the right subjects, for the right purposes, and maximize efficiency. Focus on removing difficulties and obstacles; advise the Provincial People's Committee to direct communes to pay attention to the activities of local social policy bank representative boards...

Socio-political organizations receiving entrustment must strictly implement the inspection and supervision program in 2025; promptly correct existing problems and errors in entrustment activities at the grassroots level; direct commune-level associations to regularly advise the Commune People's Committee to organize reviews and supplement the list of poor households, near-poor households, and households with average living standards to serve as a basis for loan consideration, promptly meeting people's borrowing needs. At the same time, step up propaganda so that people understand and fully access preferential credit policies; no poor or disadvantaged households are left out; direct 100% of savings and loan group leaders and association officials to participate in transaction sessions and monthly meetings, and closely coordinate with the Vietnam Bank for Social Policies in capital management.

Source: https://baohatinh.vn/trien-khai-quyet-liet-ke-hoach-tin-dung-chinh-sach-dam-bao-von-vay-phat-huy-hieu-qua-toi-da-post297642.html