However, the accessibility of people and businesses still encounter many obstacles due to the requirements in terms of procedures and collateral. Collateral of COOPERATIVES, cooperative business and household production, mainly of land use but very low value (or is brought out the previous mortgage) should not be enough to ensure that served the production or business expansion. Although the Government has issued Decree No. 55/2015/ND-CP (effective from October 1, 2015 replace Decree 41/2010/ND-CP dated 12/4/2010) about credit policy serves rural agriculture in the direction of more advantageous, especially about collateral standards and scale of loans but to the credit of bank capital to be with the people there are still many challenges to be addressed.
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