HCMC – The Ministry of Finance has proposed raising the limit for temporarily idle State Treasury funds deposited at commercial banks from 50% to 60% during the year-end peak of 2025 and the Lunar New Year (Tet) 2026.
The measure, if approved, would take effect until February 28. The ministry said the move aims to support the State Bank of Vietnam (SBV) in stabilizing the market during the pre-holiday period. Currently, Treasury deposits are already close to the 50% ceiling under existing regulations, according to the Government news website (baochinhphu.vn).
Under transitional rules, deposits made after February 28 may remain until maturity. However, the Treasury must ensure that balances return to the previous limit by March 31.
The higher limit is expected to channel Treasury funds into commercial banks, easing liquidity pressures, helping to lower market interest rates, and facilitating access to capital for businesses and households during the busy year-end period.
At the same time, the ministry acknowledged that managing cash flows will become more complex. Authorities will need to balance supporting banks with maintaining sufficient liquidity to meet Government spending, including social welfare payments, year-end bonuses, and public investment disbursements during this critical period.
