Last year credit: Bank sighing, customer apathy.

Principles of credit at this time of the years before lending works in banking and business (DN) is very exciting, but this year both the borrowers and the lenders are in "deadlock"

DN the rules stitched consumed, while the bank capital rules, not lenders.

Outstanding credit to the end of October only stop at 7. 18 percent. With the situation prevailing not improving, the credit growth target of 12 percent this year will not be easy to achieve. Last week, a meeting of the Group of 14 banks have focused discussion about solutions promoting credit growth during the rest of the year.

Numbers more than 4% of credit growth is missing to reach the target would be really hard when all have been mined out in months, even taking to diversify the forms of production and consumer lending.

But in General, the level of reflection transformation which is still going on very   hotel in Da Nang   slowly. Farmers are very difficult to access the Bank's capital as no collateral (artwork) representing the branch of Vietcombank HO CHI MINH CITY.

NIE said, 40% residual debt of the local branch of Vietcombank lies in the export sector. "However, the last time the FOREIGN export difficulties, notably fisheries and rice should not credit growth as expected ".

Explanation of status "principle of" credit, economic expert, DR. Tran Tour-member of Parliament's Economic Committee asserted, the situation of bad debt have not improved, the credit line should still be gridlock, the economy cannot absorb financing.

The accessibility of capital of businesses is still difficult, especially for small and medium ENTERPRISES. According to DR. Chen, suggests clarifying why do credit to this time did not increase. According to DR. Chen, must find a new jam can be declared. Tri Nguyen Economist fondness for States that: "The banks are racing each other down there lenders interest rates impacting the

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Problem off the media resources, but not much.

By the problem of the DN now not because of interest rates, by which interest rates have also fallen,   hotel in Da Nang   which because of their accessibility there ".

Business wilted Mrs. Nguyen Thi Hoa, Vinh Thanh commune, lap vo district (District): "Over the last 2 years the pig and rice cultivation in trouble due to the price fall caused many losses.

When listening to the advocates of capital support to restore cultivation, farmers who are also excited. But reaching   hotel in Da Nang   the Bank would loan is difficult, because it houses many reasons as unqualified, livestock breeding have many risks. In the end refused to lend ". Mr. Le Ba calendar-raising Association Chairman SG recommendations, banks need to have a solution remove these difficulties, help for farmers to the capital smoothly and effectively.

In particular, the Bank needs to implement improved procedures for lenders to suit the characteristics of agricultural production, rural, peasant; According to the classification of customers.

Mr. Nguyen Huu dung-General Secretary of the Association of processing and exporting aquatic products of Vietnam (VASEP) stated the fact: GOV'T fisheries are in need of capital to purchase raw materials for processing for export but the last time very difficult to access bank loans.

Aquaculture farmers, the more difficult to reach than loans because there is usually no collateral, high risk. Economic expert, DR. Dinh the Hien acknowledge reality: people who want to borrow is the small, rural FIRMS are not eligible for loans (due to the mortgage) and subject to bank lenders don't need loans.

Moreover, short-term deposits which the borrower then wanted to borrow the medium term invisible.

This has created scores clogging cause money is difficult to produce. Mai Hương-The Ha-Velvet Method.