2.2.3.2. Based on the duration of credit short term credit: this type of credit has a time limit of under 12 months and used to offset deficiency in working capital of businesses and short-term spending nhucầu of the individual. For bank credit to commercial banks accounted for the highest density. medium term credit: Under the current regulation of the State Bank of Vietnam, the medium term credit term from 1 year to 3 years, for the World Bank until the credit type is 7 years. Medium-term credit is mainly invested to fixed assets procurement, improve or innovate technology equipment, business expansion, construction of new projects are small-scale and quick payback time. long-term credit: as prescribed in the credit type, Vietnam had over 3 years, what in the world kind of credit has a time limit on the 7 years.Long-term credit is the credit building supply to meet the long-term needs such as building housing, equipment, means of transport are large scale, building the new factory. The traditional profession of the commercial bank's short-term lending, but from the 1970s the commercial banks have switched to general business and one of the new content that is raising the density medium and long loans.
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