In the context of the current volatile economy, assessing the financial health and risks of small and medium enterprises (SMEs) has become a key factor for management agencies, financial institutions, and investors to develop policies as well as make effective credit and investment decisions.
FiinGroup is pleased to introduce the latest report: “ SME Credit: Opportunities and Risks ”, which not only provides important indicators such as economic scale and access to capital of SMEs, but also shows the development of risks over time, risks by industry, and credit potential in unreached SMEs. Specifically:
- SMEs make a limited contribution to the economy, accounting for 95% of the number of enterprises but contributing less than 10% of import-export turnover and less than 20% of revenue.
- Large gap in access to capital: Only about 9.3% of SMEs have access to loans, compared to about 56% of large enterprises.
- 70% of SMEs fall into the medium to high risk group (FG-8 to FG-14), while 60% of large enterprises fall into the low risk group (FG-1 to FG-4) – showing a clear stratification in credit risk profile.
- By 2025, the risk of SMEs has clearly recovered , with only about 40% in the high to very high risk group and 27% ranked as low or very low risk. Previously, in the period 2022–2024, nearly 60% of SMEs were in the high to very high risk group.
- 30% of SMEs have been operating for more than 5 years and have medium and low risk and have not yet accessed loans. This is a potential group that banks and credit institutions should target.
- Manufacturing and Transportation and Warehousing sectors have low risk while Real Estate and Accommodation – Food and Beverage continue to maintain high risk levels.
- The construction industry has great potential for credit expansion, with more than 50% of businesses not yet borrowing capital but belonging to the medium-low risk group, concentrated in large cities and key economic areas.
This is an important reference tool for banks, financial institutions and policy makers, helping to capture credit opportunities from potential but untapped and under-supported segments.
📥 Download the report now: HERE – Vietnamese
📥 Download the report now: HERE – English
The report is based on FiinGate platform – FiinGroup’s comprehensive enterprise data analysis system and FiinScore+ analysis model with:
- Comprehensive data, in-depth analysis of more than 2 million Vietnamese businesses and businesses in more than 190 countries.
- Advanced AI technology and algorithms, combined with powerful data processing tools and a team of experienced experts.
- Comprehensive and valuable financial analysis, effectively supporting businesses in looking up and querying partner information, comparing with related parties,
- Assess the financial health and capacity of the business, help manage risks and optimize operations.
Source: fiingate.vn
