Completion of credit limit tools and credit growth management in 2023
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- Business
- 22:21 19/09/2022
DNHN - The Governor of the State Bank asked the State Bank's functional units to synthesize, study, analyze, and comprehensively examine the feasibility... to improve the credit limit tool and manage growth in 2023.
The State Bank of Vietnam (SBV) recently convened a special conference on credit management, which was presided over by Governor Nguyen Thi Hong and attended by the SBV's Board of Directors, SBV units, and the Chairwoman of the Management Board. Credit institution Board of Directors/Members' Council and General Director
Notably, the Governor directed State Bank functional units to synthesise, investigate, analyze, and comprehensively examine the feasibility... of perfecting the credit limit tool and managing credit growth in 2023.

According to SBV information, most credit institutions at the conference rated the State Bank's credit management in recent years as adequate. All opinions agreed that Vietnam could not abandon the credit limit instrument. In the context of post-epidemic economic recovery, a credit growth rate of 14% in 2022 is suitable and has grown more than the previous year.
At the same time, an allocation ratio based on credit institution performance is required to avoid equal allocation, and separate information for each credit institution is required because categorization cannot be released to the public rivalry among credit institutions. According to some, if the credit growth rate is excessive, it will increase the risk of interest rate racing among credit institutions and jeopardize the system's safety.
The majority of credit institution officials at the conference, including Vietcombank, VietinBank, BIDV, Agribank, Sacombank, SHB, and MB... all stated that the State Bank is under a lot of pressure, therefore restraining credit expansion to avoid inflation is unavoidable. At the same time, the remarks urged that the government create and attract medium and long-term capital through various channels such as bonds, securities, and foreign investment... With economic nature primarily providing short-term capital and working capital, the economy should not be overly reliant on loan capital.
SBV Governor Nguyen Thi Hong concluded the Conference by saying that via the two-way dialogue at the Conference, there was unanimity in recognizing the tough economic backdrop and the banking sector under strain. All opinions expressed at the Conference agreed that the credit control tool is a useful tool that is appropriate for Vietnam's conditions and has made a positive contribution to bringing stability to the economy in general and the stability of the banking system in particular, which benefits credit institutions.
PV
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