According to the announcement of the savings and loan group of Song Hai village, early in the morning, Ms. Nguyen Thi Xuan, residing in Song Hai village (Thach Ha commune) was present at the village hall to complete the procedures to pay the debt and interest of the clean water and environmental sanitation program of the Social Policy Bank (CSXH). This was the first transaction session after the two-level local government was put into operation, so Ms. Xuan was quite worried.

Ms. Nguyen Thi Xuan shared: “Previously, I lived in Thach Son commune, old Thach Ha district, and every month I went to the commune People's Committee hall to conduct policy credit transactions. Currently, Thach Son commune has been merged to form Thach Ha commune. At first, we were quite worried, wondering where to conduct policy credit transactions, and whether it was convenient for people to travel. However, the Thach Ha Social Policy Bank Transaction Office proactively borrowed the Song Ha village hall (near the old Thach Son commune People's Committee headquarters) to organize the transaction session from July 2025, so people did not have to travel far. With enthusiastic guidance from bank staff, the transaction session went smoothly, people were fully informed of policies, implemented loans, and paid debts... according to regulations, so they were very excited”.
Together with Ms. Nguyen Thi Xuan, in this July policy credit transaction session, hundreds of people from the old Thach Son commune (now Thach Ha commune) were enthusiastically guided and successfully transacted. The Social Policy Bank flexibly arranged convenient transaction points for the people, without interrupting the credit access process.

On this occasion, 498 customers of 18 savings and loan groups in Mai Phu commune, Loc Ha district (old), now Phu Luu commune, also participated in policy credit transactions at Thanh Ngoc village hall.
Mr. Le Van Quynh, residing in Thanh My village, Phu Luu commune, said: "I have just requested a loan for the job creation program and according to the appointment, the Bank for Social Policies will disburse capital for this July transaction session. Although the operation of the two-level local government and the transaction infrastructure in the commune have changed, the policy credit transaction session is still organized promptly and methodically, I get the capital disbursed quickly, without affecting my family's economic development plan."

Mr. Tran Anh Duc - Director of the Thach Ha Social Policy Bank Transaction Office said: "Credit transactions at the headquarters of the People's Committees of communes and wards are organized by the Social Policy Bank every month to facilitate the people. Before the policy of operating a 2-level local government, the Social Policy Bank proactively coordinated to review and develop a transaction plan suitable to the practical situation. Accordingly, 5/22 transaction points at the Commune People's Committee had to change locations due to the merger of administrative boundaries, the Thach Ha Social Policy Bank Transaction Office borrowed the village hall to organize transaction sessions from July 2025.
To help people understand the policies, the Social Republic Bank has coordinated communication on mass media and connected via social networks. Thanks to careful preparation, the first transaction session after operating the two-level government was successful. After the transaction session ended, bank officials, Party committees, local authorities, entrusted organizations, and heads of savings and loan groups met to draw experience, develop and implement plans to improve policy credit activities in the area.
Since July 2025, the Duc Tho Social Policy Bank Transaction Office will also organize transaction sessions at the village hall (instead of the commune People's Committee hall) due to the process of merging and operating the 2-level local government.

Mr. Tran Toai Nguyen - Director of the Transaction Office of Duc Tho Social Policy Bank informed: "Currently, there are 5 transaction points at the People's Committee of the commune that remain the same as before, there are 11 transaction points at the People's Committee of the commune that have been arranged to move to the halls of villages with convenient geographical locations. The issue we are most concerned about when changing the transaction points is to ensure the communication infrastructure system, connecting the camera directly during the transaction session to the Vietnam Social Policy Bank. To ensure the first transaction session after operating the 2-level local government, the Social Policy Bank has coordinated with the Party Committee, the government, and related units to carefully prepare the conditions, ensuring safe and effective transactions".
According to Mr. Tran Toai Nguyen, policy credit at the Duc Tho Social Policy Bank Transaction Office has grown quite well with outstanding loans currently reaching over VND 558 billion, of which some programs have large outstanding loans and good growth. In the coming time, in the spirit of direction from superiors, the Social Policy Bank will continue to coordinate to consolidate personnel working in credit, continue to train, improve professional qualifications, coordinate to implement solutions to increase outstanding loans associated with improving credit quality in the area.

According to Mr. Phan Ngoc Vu - Deputy Head of Planning - Credit Operations Department (Social Policy Bank of Ha Tinh province), the bank is implementing 20 policy credit programs with the total outstanding loan balance of the branch currently reaching VND 7,616.8 billion, an increase of VND 420 billion compared to the beginning of the year. With the goal of improving the quality of policy credit, contributing to promoting socio-economic development, the Social Policy Bank will continue to closely coordinate with local Party committees and authorities at all levels, and entrusted organizations to promote communication of new policies and guidelines for people to access. At the same time, continue to closely follow the grassroots, grasp difficulties and obstacles in policy credit work to have timely, effective and practical solutions in the new context.
Source: https://baohatinh.vn/chuyen-phien-giao-dich-ve-thon-dam-bao-hoat-dong-tin-dung-chinh-sach-post291576.html
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