Several weaknesses prevent SMEs from accessing long-term loans, Hoang Viet Trung, deputy director of the SBV branch in Ha Noi.

At the moment, most banks have plans to promote loans for SMEs. However, it is still difficult for them to access loans due to their lack of mortgage assets, weakness of financial abilities and low transparency levels. Most banks hesitate to give loans to SMEs due to the risk of instability, and because of how easily they can be affected by changes in the outside environment.