{"id":34250,"date":"2022-10-03T19:43:33","date_gmt":"2022-10-03T12:43:33","guid":{"rendered":"https:\/\/anvilaw.com\/vi\/?p=34250"},"modified":"2025-01-10T08:50:17","modified_gmt":"2025-01-10T01:50:17","slug":"3-255-credit-growth-cap-remains-indispensable-for-macroeconomic-stability","status":"publish","type":"post","link":"https:\/\/anvilaw.com\/vi\/3-255-credit-growth-cap-remains-indispensable-for-macroeconomic-stability\/","title":{"rendered":"3.255. Credit growth cap remains indispensable for macroeconomic stability"},"content":{"rendered":"

Credit growth cap remains indispensable for macroeconomic stability<\/span><\/h4>\n
(VNNews) – Businesses have faced difficulties in\u00a0access to capital and commercial banks want\u00a0to be able to lend freely to meet market demand. However, experts said the imposition of the credit growth cap is still necessary\u00a0to keep the country\u2019s macro economy stable in the short run.<\/h5>\n
\"Credit

A customer\u00a0at an HDBank\u00a0office in H\u00e0 N\u1ed9i. The SBV raised the cap of credit growth quota for 15 banks including HDBank in early September. VNA\/VNS Photo<\/p><\/div>\n

H\u00c0 N\u1ed8I\u00a0\u2014 Businesses have faced difficulties in\u00a0access to capital and commercial banks want\u00a0to be able to lend freely to meet market demand. However, experts said the imposition of the credit growth cap is still necessary\u00a0to keep the country\u2019s macro economy stable in the short run.<\/p>\n

The credit growth quota regime was officially deployed in 2011 when Vi\u1ec7t Nam\u2019s economy was experiencing hyperinflation stemming from excessive money supply. The credit growth quota regime, putting a cap on the banking industry\u2019s credit expansion, was announced by the State Bank of Vietnam (SBV) at the beginning of each year.<\/p>\n

Based on the credit growth quota for the entire banking industry, the SBV will determine the credit growth for each commercial bank depending on its financial health, with indicators including\u00a0capital, asset quality, governance, business performance results, liquidity and sensitivity to market risks. The SBV will consider other criteria related to its implementation in meeting policies and orientations of the Government and the SBV to give credit growth priority, such as reducing lending interest rates to support firms and people, focusing loans on business and production, and participating in supporting the handling of weak banks.<\/p>\n

The SBV in early September raised the credit cap\u00a0for 15 banks for the second time in 2022, of which Sacombank got a rise of 4 per cent; Agribank, 3.5 per cent; SHB, OCB and MBB, 3.2 per cent; VIB, 3 per cent and Vietcombank, 2.7 per cent.<\/p>\n

VNDirect Securities Company\u2019s analysis division said the 15 banks account for about 80 per cent of total outstanding loans of the whole banking industry. With an additional credit growth rate of 1-4 per cent, VNDirect\u2019s analysts estimate\u00a0about VN\u0110279 trillion was\u00a0injected into the economy, compared to the end of August 2022.<\/p>\n

However, not all banks were satisfied with the SBV\u2019s credit growth quota allocation. Some banks said they ran out of the allocated quota from the end of June and applied for an expansion many times, but weren\u2019t on the SBV\u2019s approved list. They were\u00a0concerned as the credit growth quota regime can mirror the subjective imposition by the SBV without properly attending to the development plan of each commercial bank, which doesn\u2019t conform to the market-oriented economy and results in \u2018ask-and-give\u2019 deals. Meanwhile, commercial banks can map out their own credit growth targets based on their financial power and management capacity.<\/p>\n

Businesses also disagreed with the tightening of the credit growth quota, saying it is unreasonable as the regime has been causing great difficulties for them in accessing loans and leading to the loss of\u00a0opportunities for the country\u2019s economic recovery and development.<\/p>\n

Despite the latest credit growth quota extension, firms said it isn\u2019t still easy to get bank loans as the capital remains restricted. Banks also said the SBV\u2019s credit growth adjustment in September is still quite low compared to their expectations.<\/p>\n

As most banks ran out of the credit growth quota allocated by the SBV at the beginning of the year for more than three months, the waiting list of customers to get loans is very long. Meanwhile, the additional quota is very limited so it will be difficult to finance all the loan borrowing applications dated before September. With the new profile, banks said they may still approve, but are not sure about the disbursement. Many customers have met all loan criteria and have been approved, but customers still have to queue to get loans as banks have no credit quota to disburse.<\/p>\n

Tr\u1ea7n Th\u1ecb Kh\u00e1nh Hi\u1ec1n, Director of VNDirect Securities Company\u2019s analysis division, said the remaining credit growth quota for this year has not been able to quench the \u2018capital thirst\u2019 of firms and individual customers, but only partially clear up the congested capital flow in the last few months after banks ran out of the allocated credit quota at the end of June.<\/p>\n

The SBV\u2019s data showed by the end of August, credit increased by 9.91 per cent against the end of 2021, much higher than the 7.42 per cent rate in the same period last year. The surge proved that the capital demand of the economy was very large and will continue to rise, especially at the end of the year.<\/p>\n

However, experts said the credit growth quota is designed to boost lending for some banks without encouraging excessive credit growth so the measure is necessary and effective in the short term to stabilise the macroeconomy and control inflation.<\/p>\n

Nguy\u1ec5n Minh C\u01b0\u1eddng, principal country economist of the Asian Development Bank in Vi\u1ec7t Nam, said in the near future, the regulation of the credit cap remains\u00a0reasonable and has certain positive effects. The 14 per cent credit growth cap for 2022 has been calculated by the SBV based on Vi\u1ec7t Nam\u2019s targets, such as inflation control at 4 per cent and economic growth at 6-6.5 per cent.<\/p>\n

Commenting on the SBV\u2019s latest credit growth quota allocation in September, C\u01b0\u1eddng noted the SBV has made a flexible adjustment as it allowed some banks with safe capital adequacy and short-term\/long-term lending ratios to increase the credit quota.<\/p>\n

C\u01b0\u1eddng said the flexible credit growth cap policy is effective in the short term, but the SBV should have a roadmap to eliminate it and use another tool to manage the monetary market more effectively in the long term.<\/p>\n

Lawyer<\/span><\/a> Tr\u01b0\u01a1ng Thanh \u0110\u1ee9c<\/a>, Director of\u00a0ANVI<\/a><\/strong>\u00a0Law Firm<\/a>, said for nearly 20 years working at four commercial banks, he witnessed huge volatility in the country\u2019s banking industry when credit growth reached up to 51.39 per cent in 2007.<\/em><\/p>\n

According to \u0110\u1ee9c, risks related to bad debts and inflation often arise later in Vi\u1ec7t Nam than in other countries. The risks will be serious if Vi\u1ec7t Nam doesn\u2019t actively prevent them. Unlike many other countries, high inflation in Vi\u1ec7t Nam is very difficult to handle and is much more heavily affected due to psychological and trust factors. Vi\u1ec7t Nam experienced bitter lessons in the past. Economic growth will become meaningless if inflation is high.<\/em><\/p>\n

It is necessary to impose the credit growth quota and the central bank shouldn\u2019t change the regime, \u0110\u1ee9c noted, adding if the policy is removed, it must be replaced by another similar measure.<\/em><\/p>\n

According to VNDirect\u2019s Hi\u1ec1n, the SBV currently has to shoulder a significant role. Besides harmonising interest rates and credit growth factors to support economic recovery, it has to control inflation and contribute to macro stability.<\/p>\n

\u201cThese are all challenges, which are even tougher under global\u00a0volatility. Therefore, it is easy to understand that there will always be differing opinions on issues of public concern such as credit growth and interest rates,\u201d Hi\u1ec1n said. \u2014 VNS<\/p>\n

——————<\/p>\n

Vietnam News (Economy) 03-10-2022:<\/em><\/strong><\/h5>\n

https:\/\/vietnamnews.vn\/economy-business-beat\/1340528\/credit-growth-cap-remains-indispensable-for-macroeconomic-stability.html<\/a><\/em><\/p>\n

(147\/1.196)<\/em>","protected":false},"excerpt":{"rendered":"

Credit growth cap remains indispensable for macroeconomic stability (VNNews) – Businesses have faced difficulties in\u00a0access to capital and commercial banks want\u00a0to be able to lend freely to meet market demand. However, experts said the imposition of the credit growth cap is still necessary\u00a0to keep the country\u2019s macro economy stable in the short run. H\u00c0 N\u1ed8I\u00a0\u2014 […]<\/p>\n","protected":false},"author":2,"featured_media":34251,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":""},"categories":[17,26],"tags":[39,37,31,41,36],"class_list":["post-34250","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-binh-luan-gop-y","category-legal-media","tag-cong-ty-luat-anvi","tag-kinh-doanh-sanh-luat","tag-luat-su","tag-luat-su-chung-khoan","tag-luat-su-ngan-hang"],"acf":[],"yoast_head":"\n3.255. 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