Addressing Structural Imbalances in Vietnam's Financial System

September 8, 2025 - 02:43

Vietnam’s financial system has experienced remarkable growth over the past decade, but it continues to grapple with significant structural imbalances. A key issue is the nation's heavy reliance on bank credit, which poses risks to economic stability and limits the potential for broader financial development. This over-dependence underscores the urgent need for a more diversified financial ecosystem.

To address these challenges, experts emphasize the importance of developing capital markets that can provide alternative financing options for businesses and individuals alike. Expanding these markets would not only reduce reliance on traditional banking but also foster a more competitive environment that encourages innovation and investment.

Additionally, the establishment of professional personal financial advisory services is crucial. Such services can empower individuals to make informed financial decisions, ultimately contributing to a healthier financial landscape. By tackling these imbalances, Vietnam can enhance its financial resilience and support sustainable economic growth in the years to come.