Using City Budget Capital to Provide Financial Support for Production and Business Activities, Trade Promotion Activities and Product Consumption

It is necessary to place orders with vocational training institutions for the professions that need training, and at the same time, the employers will be the place to help learners have the conditions to practice and improve their skills.

- Due to the specific nature of the rural economy as well as the labor force living in rural areas, the form of training must be extremely diverse and flexible. There are occupations that must be trained through centralized schools, but there are also occupations that only need on-site training (can be trained at farms, craft villages). In principle, after completing their studies, learners must be able to switch to other occupations to make a living or apply for jobs in industrial parks and urban areas.

- In addition to capital from the State budget, in order for vocational training institutions to have abundant financial resources to invest in expanding and improving the quality of training, the city needs to have a mechanism to establish a vocational training support fund. The vocational training support fund includes sources from the city budget, district and county budgets, and contributions from enterprises, industrial zones and clusters, and contributions from the people. The vocational training support fund is used to invest in modernizing vocational training institutions, training teachers, purchasing teaching and learning materials, and supporting learners.

- For farming households whose land is recovered by the state, there should be specific support policies so that they have the conditions to switch to new jobs that are suitable for their abilities and their families. Vocational training support policies must be consistent with the wishes of the people. It is necessary to avoid the notion that it is enough to compensate households whose land is recovered, and how to use the compensation money is up to them to decide. In reality, many people when the state compensates them a large sum of money, many people do not know how to use that money to ensure a long-term life for themselves and their families. As a result, many families, after using the compensation money to build houses and buy household appliances, have no money left to invest in long-term production and become unemployed. Therefore, the province needs to have a flexible mechanism for paying compensation to the people.

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• Solutions for tourism development in Tien Lang - 10 zt2i3t4l5ee zt2a3gstourism, tourism development zt2a3ge zc2o3n4t5e6n7ts - District People's Committees and authorities of communes with tourist attractions should support, promote, and provide necessary information to people, helping them improve their knowledge about tourism. Raise tourism awareness for local people. * * * Due to limited knowledge and research time, the thesis inevitably has shortcomings. Therefore, I look forward to receiving guidance from teachers, experts as well as your comments to make the thesis more complete. Chapter III Conclusion Through the issues presented in Chapter II, we can come to some conclusions: Based on the strengths of available tourism resources, the types of tourism in Tien Lang that need to be promoted in the coming time are sightseeing and resort tourism, discovery tourism, weekend tourism. To improve the quality and diversify tourism products, Tien Lang district needs to combine with local cultural tourism resources, at the same time combine with surrounding areas, build rich tourism products. The strengths of Tien Lang tourism are eco-tourism and cultural tourism, so developing Tien Lang tourism must always go hand in hand with restoring and preserving types of cultural tourism resources. Some necessary measures to support and improve the efficiency of exploiting tourism resources in Tien Lang are: strengthening the construction of technical facilities and labor force serving tourism, actively promoting and advertising tourism, and expanding forms of capital mobilization for tourism development. CONCLUDE I Conclusion 1. Based on the results achieved within the framework of the thesis's needs, some basic conclusions can be drawn as follows: Tien Lang is a locality with great potential for tourism development. The relatively abundant cultural tourism resources and ecological tourism resources have great appeal to tourists. Based on this potential, Tien Lang can build a unique tourism industry that is competitive enough with other localities within Hai Phong city and neighboring areas. In recent years, the exploitation of the advantages of resources to develop tourism and build tourist routes in Tien Lang has not been commensurate with the available potential. In terms of quantity, many resource objects have not been brought into the purpose of tourism development. In terms of time, the regular service time has not been extended to attract more visitors. Infrastructure and technical facilities are still weak. The labor force is still thin and weak in terms of expertise. Tourism programs and routes have not been organized properly, the exploitation content is still monotonous, so it has not attracted many visitors. Although resources have not been mobilized much for tourism development, they are facing the risk of destruction and degradation. 2. Based on the results of investigation, analysis, synthesis, evaluation and selective absorption of research results of related topics, the thesis has proposed a number of necessary solutions to improve the efficiency of exploiting tourism resources in Tien Lang such as: promoting the restoration and conservation of tourism resources, focusing on investment and key exploitation of ecotourism resources, strengthening the construction of infrastructure and tourism workforce. Expanding forms of capital mobilization. In addition, the thesis has built a number of tourist routes of Hai Phong in which Tien Lang tourism resources play an important role. Exploiting Tien Lang tourism resources for tourism development is currently facing many difficulties. The above measures, if applied synchronously, will likely bring new prospects for the local tourism industry, contributing to making Tien Lang tourism an important economic sector in the district's economic structure. REFERENCES 1. Nhuan Ha, Trinh Minh Hien, Tran Phuong, Hai Phong - Historical and cultural relics, Hai Phong Publishing House, 1993 2. Hai Phong City History Council, Hai Phong Gazetteer, Hai Phong Publishing House, 1990. 3. Hai Phong City History Council, History of Tien Lang District Party Committee, Hai Phong Publishing House, 1990. 4. Hai Phong City History Council, University of Social Sciences and Humanities, VNU, Hai Phong Place Names Encyclopedia, Hai Phong Publishing House. 2001. 5. Law on Cultural Heritage and documents guiding its implementation, National Political Publishing House, Hanoi, 2003. 6. Tran Duc Thanh, Lecture on Tourism Geography, Faculty of Tourism, University of Social Sciences and Humanities, VNU, 2006 7. Hai Phong Center for Social Sciences and Humanities, Some typical cultural heritages of Hai Phong, Hai Phong Publishing House, 2001 8. Nguyen Ngoc Thao (editor-in-chief, Tourism Geography, Hai Phong Publishing House, two volumes (2001-2002) 9. Nguyen Minh Tue and group of authors, Hai Phong Tourism Geography, Ho Chi Minh City Publishing House, 1997. 10. Nguyen Thanh Son, Hai Phong Tourism Territory Organization, Associate Doctoral Thesis in Geological Geography, Hanoi, 1996. 11. Decision No. 2033/QD – UB on detailed planning of Tien Lang town, Hai Phong city until 2020. 12. Department of Culture, Information, Hai Phong Museum, Hai Phong relics - National ranked scenic spot, Hai Phong Publishing House, 2005. 13. Tien Lang District People's Committee, Economic Development Planning - Culture - Society of Tien Lang district to 2010. 14.Website www.HaiPhong.gov.vn APPENDIX 1 List of national ranked monuments STT Name of the monument Number, year of decisiondetermine Location 1 Gam Temple 938 VH/QĐ04/08/1992 Cam Khe Village- Toan Thang commune 2 Doc Hau Temple 9381 VH/QĐ04/08/1992 Doc Hau Village –Toan Thang commune 3 Cuu Doi Communal House 3207 VH/QĐDecember 30, 1991 Zone II of townTien Lang 4 Ha Dai Temple 938 VH/QĐ04/08/1992 Ha Dai Village –Tien Thanh commune APPENDIX II STT Name of the monument Number, year of decision Location 1 Phu Ke Pagoda Temple 178/QD-UBJanuary 28, 2005 Zone 1 - townTien Lang 2 Trung Lang Temple 178/QD-UBJanuary 28, 2005 Zone 4 – townTien Lang 3 Bao Khanh Pagoda 1900/QD-UBAugust 24, 2006 Nam Tu Village -Kien Thiet commune 4 Bach Da Pagoda 1792/QD-UB11/11/2002 Hung Thang Commune 5 Ngoc Dong Temple 177/QD-UBNovember 27, 2005 Tien Thanh Commune 6 Tomb of Minister TSNhu Van Lan 2848/QD-UBSeptember 19, 2003 Nam Tu Village -Kien Thiet commune 7 Canh Son Stone Temple 2160/QD-UBSeptember 19, 2003 Van Doi Commune –Doan Lap 8 Meiji Temple 2259/QD-UBSeptember 19, 2002 Toan Thang Commune 9 Tien Doi Noi Temple 477/QD-UBSeptember 19, 2005 Doan Lap Commune 10 Tu Doi Temple 177/QD-UBJanuary 28, 2005 Doan Lap Commune 11 Duyen Lao Temple 177/QD-UBJanuary 28, 2005 Tien Minh Commune 12 Dinh Xuan Uc Pagoda 177/QD-UBJanuary 28, 2005 Bac Hung Commune 13 Chu Khe Pagoda 177/QD-UBJanuary 28, 2005 Hung Thang Commune 14 Dong Dinh 2848/QD-UBNovember 21, 2002 Vinh Quang Commune 15 President's Memorial HouseTon Duc Thang 177/QD-UBJanuary 28, 2005 NT Quy Cao Ha Dai Temple Ben Vua Temple Tien Lang hot spring div.maincontent .p { color: black; font-family:"Times New Roman", serif; font-style: normal; font-weight: normal; text-decoration: none; font-size: 14pt; margin:0pt; } div.maincontent p { color: black; font-family:"Times New Roman", serif; font-style: normal; font-weight: normal; text-decoration: none; font-size: 14pt; margin:0pt; } div.maincontent .s1 { color: black; font-family:"Times New Roman", serif; font-style: normal; font-weight: normal; font-size: 16pt; } div.maincontent .s2 { color: black; font-family:"Times New Roman", serif; font-style: italic; font-weight: bold; text-decoration: none; font-size: 14pt; } div.maincontent .s3 { color: black; font-family:"Times New Roman", serif; font-style: italic; font-weight: normal; text-decoration: none; font-size: 14pt; } div.maincontent .s4 { color: black; font-family:"Times New Roman", serif; font-style: normal; font-weight: normal; font-size: 14pt; } div.maincontent .s5 { color: black; font-family:"Times New Roman", serif; font-style: normal; font-weight: bold; font-size: 14pt; } div.maincontent .s6 { color: black; font-family:"Times New Roman", serif; font-style: normal; font-weight: normal; text-decoration: none; font-size: 14pt; } div.maincontent .s7 { color: black; font-family:"Times New Roman", serif; font-style: normal; font-weight: bold; text-decoration: none; font-size: 14pt; } div.maincontent .s8 { color: black; font-family:"Times New Roman", serif; font-style: normal; font-weight: normal; text-decoration: none; font-size: 9pt; vertical-align: 6pt; } div.maincontent .s9 { color: black; font-family:"Times New Roman", serif; font-style: normal; font-weight: bold; text-decoration: none; font-size: 12pt; } div.maincontent .s11 { color: black; font-family:"Times New Roman", serif; font-style: normal; font-weight: normal; tex
• Pre-tax Profit of Bidv Tien Giang in the Period 2011-2015 zt2i3t4l5ee zt2a3gsnon-credit services, joint stock commercial bank zt2a3ge zc2o3n4t5e6n7ts At that time, the Branch had to set aside a provision for credit risks, which reduced the Branch's income. Chart 2.2. Pre-tax profit of BIDV Tien Giang in the period 2011-2015 Unit: Billion VND 140 120 100 80 60 40 20 0 63.3 80.34 89.29 110.08 131.99 2011 2012 2013 2014 2015 Profit before tax (Source: Report on the implementation of the annual business plan of the General Planning Department of BIDV Tien Giang [24]) However, through chart 2.2, it can be seen that BIDV Tien Giang's profit is still increasing continuously, and its operating efficiency is currently leaking. This is a contribution of non-credit services, and this service segment will be increasingly focused on growth by BIDV Tien Giang to ensure the highest profit safety because credit activities have many potential risks. At the same time, focusing on developing non-credit services is consistent with one of the contents of restructuring the financial activities of credit institutions in the project "Restructuring the system of credit institutions in the period 2011-2015" approved by the Prime Minister in Decision No. 254/QD-TTg dated March 1, 2012 [14]: "Gradually shifting the business model of commercial banks towards reducing dependence on credit activities and increasing income from non-credit services". 2.2. Current status of non-credit service development at BIDV Tien Giang. 2.2.1. BIDV Tien Giang has deployed the development of non-credit services in recent times. Along with the development of the Head Office, BIDV Tien Giang's products and services are constantly improved and deployed in a diverse manner to ensure provision for many different customer groups in the area: individual customers, corporate customers, and financial institutions. Typical services are as follows: Payment services, treasury services, guarantee services, card services, trade finance, other services: Western Union, insurance commissions, consulting services, foreign exchange derivatives trading, e-banking services,... 2.2.1.1. Payment services: In accordance with the Prime Minister's Project to promote non-cash payments in Vietnam [15], banks in Tien Giang province have continuously developed payment services to reduce customers' cash usage habits through card services and electronic banking services such as: salary payment through accounts, focusing on developing card acceptance points, developing multi-purpose cards, paying social insurance by transfer, paying bills through banks, etc. Chart 2.3. Net income from payment services in the period 2011-2015 Unit: Million VND 6000 5000 4000 3000 2000 1000 0 3922 4065 4720 5084 5324 2011 2012 2013 2014 2015 Net income from payment services (Source: Report on the implementation of the annual business plan of the General Planning Department of BIDV Tien Giang [24]) Along with the technological development of the entire system, BIDV Tien Giang has a payment system with a fairly stable transaction processing speed, bringing many conveniences to customers. The results of observing chart 2.3 show that the income from payment services that the Branch has achieved has grown over the years but the speed is not high and the products are not outstanding compared to other banks. Domestic payment products such as: Online bill payment, electricity bills, water bills, insurance premiums, cable TV bills, telecommunications fees, airline tickets, etc. bring many conveniences to customers. Regarding international payment, this is an indispensable activity for foreign economic activities, BIDV Tien Giang is providing international payment methods for small enterprises producing agriculture, aquatic food and seafood that have credit relationships with banks in industrial parks in Tien Giang province such as: money transfer, collection, L/C payment. 2.2.1.2. Treasury services: BIDV Tien Giang always focuses on ensuring treasury safety and currency security, always complies with legal regulations, and minimizes risks in operations such as: counting and collecting money from customers, receiving and delivering internal transactions, collecting from the State Bank (SBV) or other credit institutions, receiving ATM funds, bundling money, etc. BIDV Tien Giang's treasury service management department is always fully equipped with modern machinery and equipment such as: money transport vehicles, fire prevention tools, money counters, money detectors, magnifying glasses, etc. to ensure absolute safety in treasury operations, immediately identifying real and fake money and other risks that may affect people and assets of the bank and customers. In addition, implementing regulation 2480/QC dated October 28, 2008 between the State Bank of Tien Giang province and the Provincial Police on coordination in the fight against counterfeit money, in the 3-year review of implementation, BIDV Tien Giang discovered, seized and submitted to the State Bank of Tien Giang province 475 banknotes of various denominations and was commended by the Provincial Police and the State Bank of Tien Giang province [17]. Chart 2.4. Net income from treasury services in the period 2011-2015 Unit: Million VND 350 300 250 200 150 100 50 0 105 122 309 289 279 2011 2012 2013 2014 2015 Net income from treasury services (Source: Report on the implementation of the annual business plan of the General Planning Department of BIDV Tien Giang [24]) However, as shown in Figure 2.4, income from treasury operations is not high and fluctuates. Specifically, in the period 2011-2013, net income increased and increased most sharply in 2013, then in the period 2013-2015, there was a downward trend. This fluctuation is due to the fact that fees collected from treasury services are often very low and can even be waived to attract customers to use other services. 2.2.1.3. Guarantee and trade finance services: BIDV Tien Giang, thanks to the advantages of the province and the favorable location of the Branch, has continuously focused on developing income from guarantee services and trade finance. Chart 2.5. Net income from guarantee and trade finance services in the period 2011-2015 Unit: Million VND 14000 12000 10000 8000 6000 4000 2000 0 5193 5695 2742 3420 8889 3992 11604 12206 5143 5312 2011 2012 2013 2014 2015 Net income from guarantee services Net income from Trade Finance (Source: Report on the implementation of the annual business plan of the General Planning Department of BIDV Tien Giang [24]) Through chart 2.5, we can see that BIDV Tien Giang's income from guarantee services and trade finance has grown over the years. The reason is: Among BIDV Tien Giang's corporate customers, the construction industry is the industry with the highest proportion of customers after the trading industry, this is a group of customers with potential to develop guarantee services. The second group of customers is corporate customers in the fields of agricultural production, livestock and seafood processing with high import and export turnover in the area. are the target of trade finance development. In addition, BIDV Tien Giang also focuses on continuously developing these customer groups to increase revenue for many other products and services in the future. 2.2.1.4. Card and POS services: As a service that BIDV Tien Giang has recently developed strongly, it can be said that this is a very potential market and has the ability to develop even more strongly in the future. Card services with outstanding advantages such as fast payment time, wide payment range, quite safe, effective and suitable for the integration trend and the Project to promote non-cash payments in Vietnam. Cards have become a modern and popular payment tool. BIDV Tien Giang early identified that developing card services is to expand the market to people in society, create capital mobilized from card-opened accounts, contribute to diversifying banking activities, enhance the image of the bank, bring the BIDV Tien Giang brand to people as quickly and easily as possible. BIDV Tien Giang is currently providing card types such as: credit cards (BIDV MasterCard Platinum, BIDV Visa Gold Precious, BIDV Visa Manchester United, BIDV Visa Classic), international debit cards (BIDV Ready Card, BIDV Manu Debit Card), domestic debit cards (BIDV Harmony Card, BIDV eTrans Card, BIDV Moving Card, BIDV-Lingo Co-branded Card, BIDV-Co.opmart Co-branded Card). These cards can be paid via POS/EDC or on the ATM system. In addition, with debit cards, customers can not only withdraw money via ATMs but also perform utilities such as mobile top-up, online payment, money transfer,... through electronic banking services. In order to attract customers with card services, BIDV Tien Giang has continuously increased the installation of ATMs. As of December 31, 2015, BIDV Tien Giang has 23 ATMs combined with 7 ATMs in the same system of BIDV My Tho, so the number of ATMs is quite large, especially in the center of My Tho City, but is not yet fully present in the districts. Basic services on ATMs such as withdrawing money, checking balances, printing short statements,... BIDV ATMs accept cards from banks in the system. Banknetvn and Smartlink, cards branded by international card organizations Union Pay (CUP), VISA, MasterCard and cards of banks in the Asian Payment Network. From here, cardholders can make bill payments for themselves or others at ATMs, by simply entering the subscriber number or customer code, booking code that service providers notify and make bill payments. Chart 2.6. Net income from card services in the period 2011-2015 Unit: Million VND 3500 3000 2500 2000 1500 1000 500 0 687 1023 1547 2267 3104 2011 2012 2013 2014 2015 Net income from card services (Source: Report on the implementation of the annual business plan of the General Planning Department of BIDV Tien Giang [24]) Through chart 2.6, it can be seen that BIDV Tien Giang's card service income is constantly growing because the Branch focuses on developing businesses operating in industrial parks, which are the source of customers for salary payment products, ATMs, BSMS. Specifically, there are companies such as Freeview, Quang Viet, Dai Thanh, which are businesses with a large number of card openings at the Branch, contributing to the increase in card service fees [25]. Table 2.6. Number of ATMs and POS machines in 2015 of some banks in Tien Giang area. Unit: Machine STT Bank name Number of ATMs Cumulative number of ATM cards POS machine 1 BIDV Tien Giang 23 97,095 22 2 BIDV My Tho 7 21,325 0 3 Agribank Tien Giang 29 115,743 77 4 Vietinbank Tien Giang 16 100,052 54 5 Dong A Tien Giang 26 97,536 11 6 Sacombank Tien Giang 24 88,513 27 7 Vietcombank Tien Giang 15 61,607 96 8 Vietinbank - Tay Tien Giang Branch 6 46,042 38 (Source: 2015 Banking Activity Data Report of the General and Internal Control Department of the Provincial State Bank [21]) Through table 2.6, the author finds that the number of ATMs of BIDV Tien Giang is not much, ranking fourth after Agribank Tien Giang, Dong A Tien Giang, Sacombank Tien Giang. The number of POS machines of BIDV Tien Giang is very small, only higher than Dong A Tien Giang and BIDV My Tho in the initial stages of merging the BIDV system. Besides, BIDV Tien Giang has a high number of cards increasing over the years (table 2.7) but the cumulative number of cards issued up to December 31, 2015 is still relatively low compared to Agribank, Vietcombank, Dong A (table 2.6). div.maincontent .content_head3 { color: black; font-family:"Times New Roman", serif; font-style: normal; font-weight: bold; text-decoration: none; font-size: 14pt; } div.maincontent .p { color: black; font-family:"Times New Roman", serif; font-style: normal; font-weight: normal; text-decoration: none; font-size: 14pt; margin:0pt; } div.maincontent p { color: black; font-family:"Times New Roman", serif; font-style: normal; font-weight: normal; text-decoration: none; font-size: 14pt; margin:0pt; } div.maincontent .s1 { color: black; font-family:"Courier New", monospace; font-style: normal; font-weight: normal; text-decoration: none; font-size: 14pt; } div.maincontent .s2 { color: black; font-family:"Times New Roman", serif; font-style: italic; font-weight: normal; 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when the state reclaims land. Depending on the wishes of the people, the province can apply a mechanism of partial compensation in cash, and the remaining part to provide vocational training for them and help them have the opportunity to change their career. It is necessary to respect the farmers' right to self-determination in choosing the form of support. All projects that reclaim agricultural land must have a plan to solve employment for farmers who lose their land.

- Along with paying attention to vocational training for rural workers, the city also needs to pay attention to training and fostering district and commune-level cadres in economic management so that they have the capacity to manage and implement the Party and State's policies on agricultural and rural economic development, and rural industry in the direction of industrialization and modernization.

- The situation of the team of commune-level management officials in rural areas of our country in general and Hanoi in particular is weak in both management capacity and capacity to implement the policies of the Party and the State on economic development according to the market mechanism as well as the construction of new rural areas, which is a major obstacle to the process of developing new rural areas. The situation of spontaneous economic restructuring following the movement and many policies supporting agriculture and farmers that have not been fully implemented, causing damage to farmers' production and State investment capital, is quite common in rural areas today. Therefore, if the city does not have a project to support the training of staff at district, commune and commune levels, the development of new rural areas in the direction of industrialization and modernization will face many difficulties and many complex social problems will arise in rural areas.

4.2.3.4. The city needs to have policies and measures to support funding and land to soon deploy and complete the construction of regional commercial centers, urban clusters, and residential areas serving industrial and handicraft zones, clusters, and points.

Encourage economic sectors to participate in building and developing entertainment areas, sports activities, and restaurants to support the process of rural industrialization and modernization.

4.2.3.5. Use the City budget to provide financial support for production and business activities, trade promotion activities and product consumption of small businesses and households in suburban areas.

The force that creates products in the suburban areas is small enterprises, usually businesses and households. These small economic units determine the development of the suburban areas, but they have many limitations in business cooperation, finding partners, finding markets, information about products, about markets... therefore, support in many aspects, including financial support, is needed to overcome these limitations, specifically as follows:

- Support the business sector and develop new industries and products, on the basis of improving the health and equalization of the general business environment, creating unity, support, mutual reliance on interests, trust, cooperation and healthy competition among components and types of businesses.

- Develop and implement specific target programs for training directors, managers and employees for small businesses, cooperatives and households in need.

- Support in organizing fairs and exhibitions, support in establishing brokerage offices, trade-investment services, forming marketing activity hubs in provinces and the whole country is a potential market area, creating favorable conditions for businesses to introduce products and learn about market needs.

- Support the development of small and medium enterprises and cooperatives on issues such as accounting organization, economic and technical consulting, market expansion, distribution organization, information and training provision... In particular, it is necessary to pay attention to developing a comprehensive and specialized consulting network to help enterprises and cooperatives improve marketing, choose product options and optimize production organization activities.

- Investing in building a research, forecasting, and strategy building network in Hanoi, initially providing free information to businesses and cooperatives.

consulting services and necessary information for them to boldly deploy their activities; after a period of stabilizing these activities, a partial fee collection mechanism will be switched to for the above services.

- Invest in the establishment and development of the city's trade promotion and market expansion department chaired by a relevant functional department, closely linked with the city's sectors, ministries, relevant agencies, embassies, trade offices and international organizations... At the same time, this department periodically (1 week, 10 days) provides information to businesses, cooperatives, farms... on product market movements and general trends at home and abroad, prioritizing information related to the city's main products. There is a suitable initial financial support method for businesses opening branches and representatives abroad to exploit new markets.

- Support funding and means to set up a website and organize introductions, investment mobilization and trade promotion for suburban districts on the Internet, as well as in activities for this goal domestically and internationally. The city supports funding for districts to train technical workers according to the requirements of foreign enterprises.

4.2.4. Perfecting the credit policy mechanism to promote rural industry in suburban areas to develop towards industrialization and modernization To improve the efficiency of credit investment activities to serve the process of transformation

To restructure the rural economy of Thai Binh towards industrialization and modernization, it is necessary to pay attention to solving the following main issues:

4.2.4.1. Orientation to flexibly use credit forms for concentrated and focused investment to develop rural industry

In recent times, through credit activities serving the process of building and developing the rural economy in the suburbs and rural industry in the suburban areas of Hanoi, many important results have been achieved, contributing to promoting the development of the industrialization and modernization economy. However, to achieve higher efficiency in credit activities,

To mobilize credit investment to serve the rural development process in suburban areas, it is necessary to pay attention to solving the following main issues:

- Based on the orientation and planning for the development of regions and sectors within the city, it is necessary to develop credit investment projects for each region and each specific sector. Because there are many sectors and in many different regions, it is necessary to identify key and spearhead sectors that are prioritized for investment first. To create a breakthrough in rural industrial development in the coming years, Hanoi needs to prioritize investment in concentrated production areas, industrial clusters of craft villages, and traditional craft villages. In each region, it is necessary to focus investment on sectors that have production advantages and products with a wide consumer market, which have a strong impact on the process of suburban economic development and rural industrial development.

- For industrial clusters and craft villages, it is necessary to choose products with a wide consumer market and the ability to create jobs on the spot. Credit investment should be aimed at modernizing craft village production facilities, such as lending for investment in purchasing machinery and equipment and importing raw materials. For the infrastructure system, in addition to investments from the state budget, credit institutions need to ensure capital for related enterprises to invest in building and modernizing infrastructure serving craft village industrial facilities.

4.2.4.2. There needs to be close coordination between sectors and levels in coordinating capital mobilization from credit forms to serve rural industrial development.

- Based on the development projects of key industries in planned areas, it is necessary to clearly identify which projects can use state credit capital, from government bond capital, which projects use capital from issuing city bonds, which projects combine state credit capital, city loans, investors' contributed capital, etc.

- Commercial banks and credit institutions need to closely coordinate with relevant departments, agencies and sectors, such as: Department of Agriculture and Rural Development,

The Department of Finance, the Department of Planning and Investment, and the People's Committees of districts and cities should train businesses and production households in developing investment plans and projects, as well as providing information on science and technology and consumer markets. To facilitate businesses and households in borrowing capital and minimize risks, banks need to cooperate with service organizations and agricultural and aquatic product processing and consumption organizations to develop lending projects that are close to actual needs.

- The city needs to have policies and solutions to develop small credit funds to create favorable conditions for households to access capital from these funds to develop handicrafts or develop household economies.

4.2.4.3. Ensure the demand for investment loans to develop key industries and regions with reasonable interest rate policies and appropriate lending forms.

- In principle, commercial banks and credit institutions currently operate according to market mechanisms. However, in order to expand their market share in rural areas, commercial banks also need to conduct research to better understand their customers in this area, and need to have appropriate lending forms and reasonable interest rate incentives for customers who are enterprises, production and business households in small industrial zones, craft villages, and concentrated agricultural production and processing.

- Commercial banks, policy banks, and development banks need to facilitate rural customers to access credit capital, reduce obstacles for subjects with weak access opportunities, and thereby solve capital difficulties for these subjects.

- Regarding lending methods, it is necessary to diversify credit forms, especially expanding the form of lending according to the limit. This form allows borrowers to quickly obtain loans with loan terms from short to very short in the shortest time and with the fastest procedures, thereby avoiding the situation of having to borrow money on the informal credit market. Thereby contributing to eliminating informal credit forms, especially the phenomenon of borrowing money and high-interest loans which are still very common in rural areas, making the rural financial market healthy, contributing to stabilizing political security and social safety in rural areas.

4.2.4.4. Innovating banking activities towards creating convenience for borrowers

- Innovating banking operations, we must first pay attention to improving lending processes and procedures, proactively bringing banking operations to residential areas, improving service styles to minimize costs, time, effort and create convenience, comfort, intimacy, naturalness... so that transaction costs can be significantly reduced. For rural residents in areas where commercial market relations have not yet penetrated deeply (they do not have communication and negotiation skills, and are only familiar with intimate relationships)... creating a suitable psychological communication environment is extremely important.

- It is necessary to integrate the dissemination of knowledge, training in skills to access and seek loan sources and funding sources into industrial and agricultural extension activities in suburban areas, so that people can better understand the activities of banks, credit funds, and preferential policies of the state for farmers and rural areas. In reality, many farming households still do not have the necessary knowledge about the activities of banks, credit institutions and funding agencies, about the procedures of these agencies and are very hesitant when having to contact these agencies, so when they need capital, they have to approach informal forms of credit, especially usury in rural areas.

- The city needs to increase public and transparent propaganda on mass media, especially on the loudspeaker systems of wards, communes, villages and hamlets about the sources of funded capital, sources of capital that can be borrowed, subjects eligible for borrowing and receiving funding, procedures and all related issues.

- It is necessary to overcome the shortcomings in the operations of commercial banks, so that bank credit not only plays the role of providing financial resources, but also has the effect of promoting and orienting the development of rural industry and the suburban economy towards industrialization and modernization.

- Commercial banks and credit institutions operating in rural areas need to be proactive in investment consulting, stimulating investment demand and thereby stimulating credit demand, both expanding the market and promoting rural economic development. Thus, banks must proactively seek customers and stimulate credit demand, not passively waiting for customers to have loan needs as before. Commercial banks also need to proactively provide customer support services, such as financial consulting, project planning, accounting guidance, etc., in accordance with the requirements of improving the investment efficiency of bank credit.

4.2.4.5. Strengthen supervision of lending activities to avoid risks for commercial banks and credit institutions, while minimizing risks for customers.

There should be regulations and procedures to closely monitor the entire lending and financing process of banks, especially preferential lending projects, to minimize negative aspects in the banking system, in the use of capital by customers, as well as risks from capital users.

4.2.5. The city needs to innovate mechanisms and policies to create a favorable investment environment, attracting domestic and foreign investors to develop rural industry in suburban areas.

First of all, it is necessary to focus on rapidly and fundamentally improving the city's investment environment to encourage and attract investment in rural industrial development from all domestic and foreign, private and state investors. This task should be implemented in all aspects.

- Expand investment liberalization for domestic and foreign private sectors, narrow state monopoly, and effectively restrain private monopoly.

- Promote administrative reform in the management of investment in rural industrial development. Minimize and strictly punish all procedures and behaviors that cause inconvenience and hinder business operations. Prioritize the arrangement of managers and high-quality personnel in key and sensitive positions in the management and support of business investment activities.