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<td>第四区域在贸易中发挥着重要作用，连接北部山区与全国其他省份，同时通过与中国的边境口岸为国际贸易搭建桥梁。 — 图片来源 cafef.vn</td>
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<p>河内 — 根据越南国家银行（SBV）副行长Đào Minh Tú的说法，今年将向北部六个省份（包括 Phú Thọ、Vĩnh Phúc、Hà Giang、Tuyên Quang、Lào Cai 和 Yên Bái，统称第四区域）注入近 71 万亿越南盾（约合 278 万美元）的资金。</p>
<p>在 3 月 11 日于 Phú Thọ省举行的促进第四区域信贷的会议上，Tú表示，当地的信贷增长将有助于整个银行业实现 16% 的信贷增长目标，相当于 2.5 千万亿越南盾。</p>
<p>“这是一个挑战，需要整个银行业的努力、客户和企业的合作以及各省政府的支持，” Tú说。</p>
<p>第四区域的各省地理位置重要，Lào Cai 和 Hà Giang 与中国北部接壤，Vĩnh Phúc 和 Phú Thọ则与河内南部接壤。该区域在贸易中发挥着重要作用，连接北部山区与全国其他省份，同时通过与中国的边境口岸为国际贸易搭建桥梁。</p>
<p>根据 SBV 第四区域分行负责人 Trương Thu Hòa 的说法，银行部门最近实施了许多解决方案，以促进信贷增长，以满足人民和企业的生产和经营资金需求，并为该区域的社会经济发展建设基础设施。</p>
<p>目前，该区域内有超过 30 家信贷机构和 98 个人民信贷基金，拥有超过 450 个交易办公室在运营。</p>
<p>Hòa 报告称，截至 2025 年 1 月 31 日，该区域的未偿贷款达到近 442.52 万亿越南盾，比 2024 年 12 月 31 日增长了 0.28%。该数值占北部中部和山区总未偿贷款的 40.75%。</p>
<p>去年，该区域内举行了 52 次银行与企业之间的会议和对话，帮助信贷机构向 2708 家企业和 526 个商业家庭提供了约 89 万亿越南盾的贷款。</p>
<p>为了促进该区域的信贷，区域内公司的代表建议 SBV 及其他商业银行降低贷款利率，简化行政程序，以便企业更容易获得资金，并研究使用未来资产进行抵押贷款。</p>
<p>SBV 表示，将继续密切关注该区域地方部门的社会经济项目，以有效实施货币和信贷管理的解决方案。</p>
<p>SBV 将指导信贷机构采取措施降低存款和贷款利率，从年初开始促进信贷增长，并将信贷目标指向生产和商业部门、优先领域和增长驱动因素。</p>
<p>SBV 表示，将进一步加强行政改革，为人民和企业获取银行信贷创造便利条件。 — BIZHUB/ VNS</p>

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<p>银行部门计划在 2025 年向越南第四区域的六个省提供约 278 万美元（71 万亿越南盾）的贷款，副行长Đào Minh Tú表示。此举旨在推动信贷增长，以实现整个银行业 16% 的目标。该地区包括如 Phú Thọ和 Lào Cai 等省份，对于贸易和国际联系，尤其是与中国的联系至关重要。越南国家银行将采取措施降低利率，并简化企业获得信贷的途径</p>

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<td>Region 4 plays an important role in trade and connecting the northern mountainous region with other provinces in the country, as well as creating a bridge for international trade through border gates with China. — Photo cafef.vn</td>
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<td>第四区域在贸易中发挥着重要作用，连接北部山区与全国其他省份，同时通过与中国的边境口岸为国际贸易搭建桥梁。 — 图片来源 cafef.vn</td>
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</div><p>HÀ NỘI — Total bank loads of nearly VNĐ71 trillion (US$2.78 million) will be poured into six northern provinces of Phú Thọ, Vĩnh Phúc, Hà Giang, Tuyên Quang, Lào Cai and Yên Bái (Region 4) this year, according to Deputy Governor of the State Bank of Vietnam (SBV) Đào Minh Tú.</p>
<div class="lb-trans"><p>河内 — 根据越南国家银行（SBV）副行长Đào Minh Tú的说法，今年将向北部六个省份（包括 Phú Thọ、Vĩnh Phúc、Hà Giang、Tuyên Quang、Lào Cai 和 Yên Bái，统称第四区域）注入近 71 万亿越南盾（约合 278 万美元）的资金。</p>
</div><p>At a conference to boost credit in Region 4, held in Phú Thọ province on March 11, Tú said the local area's credit growth will contribute to help the entire banking industry meet the credit growth target of 16 per cent, equivalent to VNĐ2.5 quadrillion, this year.</p>
<div class="lb-trans"><p>在 3 月 11 日于 Phú Thọ省举行的促进第四区域信贷的会议上，Tú表示，当地的信贷增长将有助于整个银行业实现 16% 的信贷增长目标，相当于 2.5 千万亿越南盾。</p>
</div><p>“This is a challenge that requires the efforts of the entire banking industry, cooperation from customers and businesses and support from authorities of the provinces,” Tú said.</p>
<div class="lb-trans"><p>“这是一个挑战，需要整个银行业的努力、客户和企业的合作以及各省政府的支持，” Tú说。</p>
</div><p>The provinces in Region 4 are important geographical locations, with Lào Cai and Hà Giang bordering with China to the North, and Vĩnh Phúc and Phú Thọ bordering with Hà Nội to the South. This region plays an important role in trade and connecting the northern mountainous region with other provinces in the country, as well as creating a bridge for international trade through border gates with China.</p>
<div class="lb-trans"><p>第四区域的各省地理位置重要，Lào Cai 和 Hà Giang 与中国北部接壤，Vĩnh Phúc 和 Phú Thọ则与河内南部接壤。该区域在贸易中发挥着重要作用，连接北部山区与全国其他省份，同时通过与中国的边境口岸为国际贸易搭建桥梁。</p>
</div><p>According to Trương Thu Hòa, head of the SBV’s Region 4 branch, the banking sector has recently implemented many solutions to promote credit growth to meet the capital needs for production and business of people and businesses, and to build the infrastructure for socio-economic development of the region.</p>
<div class="lb-trans"><p>根据 SBV 第四区域分行负责人 Trương Thu Hòa 的说法，银行部门最近实施了许多解决方案，以促进信贷增长，以满足人民和企业的生产和经营资金需求，并为该区域的社会经济发展建设基础设施。</p>
</div><p>Currently, there are over 30 credit institutions and 98 people's credit funds, with over 450 transaction offices, operating in the region.</p>
<div class="lb-trans"><p>目前，该区域内有超过 30 家信贷机构和 98 个人民信贷基金，拥有超过 450 个交易办公室在运营。</p>
</div><p>Hòa reported that by January 31, 2025, outstanding loans in the region reached nearly VNĐ442.52 trillion, an increase of 0.28 per cent compared to December 31, 2024. The value accounted for 40.75 per cent of total outstanding loans in the northern midlands and mountainous region.</p>
<div class="lb-trans"><p>Hòa 报告称，截至 2025 年 1 月 31 日，该区域的未偿贷款达到近 442.52 万亿越南盾，比 2024 年 12 月 31 日增长了 0.28%。该数值占北部中部和山区总未偿贷款的 40.75%。</p>
</div><p>There were 52 meetings and dialogues between banks and enterprises held in region last year, which helped credit institutions lend about VNĐ89 trillion to 2,708 enterprises and 526 business households.</p>
<div class="lb-trans"><p>去年，该区域内举行了 52 次银行与企业之间的会议和对话，帮助信贷机构向 2708 家企业和 526 个商业家庭提供了约 89 万亿越南盾的贷款。</p>
</div><p>To promote credit in the region, representatives of companies in the region suggested that the SBV, along with other commercial banks, reduce lending interest rates, simplify administrative procedures to ease enterprises in accessing capital and research mortgage loans using future assets.</p>
<div class="lb-trans"><p>为了促进该区域的信贷，区域内公司的代表建议 SBV 及其他商业银行降低贷款利率，简化行政程序，以便企业更容易获得资金，并研究使用未来资产进行抵押贷款。</p>
</div><p>The SBV said it will continue to closely follow socio-economic programmes of local departments in the region to effectively implement solutions on monetary and credit management.</p>
<div class="lb-trans"><p>SBV 表示，将继续密切关注该区域地方部门的社会经济项目，以有效实施货币和信贷管理的解决方案。</p>
</div><p>The SBV will direct credit institutions to take measures to cut deposit and lending interest rates, promote credit growth from the beginning of the year and target credit to production and business sectors, priority sectors, and growth drivers.</p>
<div class="lb-trans"><p>SBV 将指导信贷机构采取措施降低存款和贷款利率，从年初开始促进信贷增长，并将信贷目标指向生产和商业部门、优先领域和增长驱动因素。</p>
</div><p>Administrative reform will be further strengthened to create favourable conditions for people and businesses to access bank credit, the SBV said. — BIZHUB/ VNS</p>
<div class="lb-trans"><p>SBV 表示，将进一步加强行政改革，为人民和企业获取银行信贷创造便利条件。 — BIZHUB/ VNS</p>
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银行业计划在 2025 年向第 4 区提供 278 万美元的贷款