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development of green credit for individual customers consuming green industrial
products, contributing to environmental protection and promoting sustainable green

economic growth.
4. Conclusion
Developing green credit for individual customers consuming green industrial
products is not only a trend but also an urgent requirement to ensure green economic
growth. Developing green credit for individual customers consuming green industrial
products may face challenges such as high initial costs, lack of consumer cooperation
and complex technical and management requirements. But this is also an opportunity to
innovate and lead in the field of sustainable finance, expand the market and enhance the

reputation of Vietnamese commercial banks. By providing financial support for
environmentally friendly projects and products, Vietnamese commercial banks can
make a positive contribution to environmental protection and build a green economy
with sustainable growth. The combination of government support, commitment from
Vietnamese commercial banks and consumer cooperation will be the key to promoting
the success of green consumer credit.

References
1. Https://www.sbv.gov.vn/Annual Report 2022.
2. Https://digital.fpt.com.
3. Green credit in Vietnam: current situation and some recommendations. Https:// Banking
magazine.gov.vn/
4. The Law on Environmental Protection No. 72/2020/QH14, issued on November 17, 2020.
5. Nguyen Dinh Tho, & Nguyen Thi Mai Trang (2014). Research methods in business administration.
6. Zhang, S., Wu, Z., He, Y., & Hao, Y. (2022). How does the green credit policy affect the technological
innovation of enterprises? Evidence from China. Energy Economics.

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