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Credit solutions for rural - agricultural development in Vietnam

Rural agriculture has been playing an essential role in the Vietnamese economy. The Vietnamese Communist Party (VCP) and Government regard agricultural development and farmer life enhancement as top priorities. In reality, however, there are so many targets to accomplish in order to motivate the overall development of agriculture. Among these is credit supply that is indispensable for agricultural development. | 46 | Nguyễn Quốc Nghi & Trần Hồng Minh Ngọc Credit Solutions for Rural-Agricultural Developent Credit Solutions for Rural-Agricultural Development in Vietnam NGUYỄN QUỐC NGHI* & TRẦN HỒNG MINH NGỌC** ABSTRACT Rural agriculture has been playing an essential role in the Vietnamese economy. The Vietnamese Communist Party (VCP) and Government regard agricultural development and farmer life enhancement as top priorities. In reality, however, there are so many targets to accomplish in order to motivate the overall development of agriculture. Among these is credit supply that is indispensable for agricultural development. Therefore, this paper presents facts of credit supply for the agricultural sector, and its outstanding problems and limitations. Based on these findings, some suggestions will be made to increase credit supply for agricultural development in Vietnam. Keywords: credit, agriculture, rural areas. 1. INTRODUCTION Rural agriculture has always been a major part of Vietnam’s socio-economic development. Along with economic reforms, it has achieved tremendous achievements that contribute to the overall development of the country. Not only does the agriculture guarantee national food security with a large supply of produce that meets the growing demand, but it also helps make Vietnam a leading exporter of various agricultural and aquatic products, thereby improving farmers’ lives and changing the face of rural Vietnam. Understanding the importance of rural agricultural development at the early stages of founding and developing the country, the VCP and Government have directed their great attention and made numerous changes to policies on many aspects ranging from production, distribution, planning, funding, etc. with a view to facilitating and promoting agricultural development. Moreover, the VCP states that “continuing to preserve preferential credit capital and encourage banks and other financial institutions to offer agricultural loans” is a very important .