On June 28, 2023, the State Bank of Vietnam (SBV) issued Circular No. 06/2023/TT-NHNN amending and supplementing a number of articles of Circular No. 39/2016/TT-NHNN dated December 30, 2016 (Circular No. 39) to regulate the lending activities of credit institutions (CIs) to customers, effective from September 1, 2023 (Circular No. 06). In Circular No. 06/2023/TT-NHNN, the SBV removed many contents to create favorable conditions for customers to access bank credit capital, contributing to providing more capital for production, business activities, economic recovery, and development.