Adjust the interest rate of the debt in accordance with the borrower’s ability to repay and market conditions Vimax Asia implements debt restructuring and supports borrowers through the following measures:

a) Adjusting the interest rate of the debt in accordance with the borrower’s ability to repay and market conditions.

b) Adjustment of debt payment term and debt payment term.

c) Exemption or reduction of part or all of the overdue interest that the borrower is unable to repay.

d) Invest and provide financial support to borrowers in case the borrower is assessed as having good resilience.

e) Provide guarantees for customers to borrow loans from credit institutions in case the borrowers are assessed as having good recovery ability or having effective new projects to ensure loan repayment.


The customers have a written request;

The customers have temporary financial difficulties;

The customers have a feasible plan to restructure their operations, financial structure, and repayment plan;

The customers have goodwill to cooperate with Vimax Asia in the debt settlement process;

The customers are not in the process of dissolution, bankruptcy, or revocation of operating licenses;

The customers are not eligible for credit as prescribed by law.

What is debt structure?

Structure refers to the principle of the combination and operation of these details in a certain whole, and the term debt is used to refer to the obligation to perform for the payment, or compensation, material, financial produce. Debt is formed when a person lends a certain amount of property.

Thus, it can be seen that the viability and development of enterprises are not high, especially in the current volatile economic situation. There are many difficulties that businesses face in the process of their operation. However, through the process of providing services to customers in Vietnam, our experience shows that most businesses face financial difficulties such as lack of funding for business development, lack of funds to pay debts…

From that, we can see that the debt structure is a debt that the borrower and the lender agree on the method of payment and the debt payment term of the debtor. When it comes to debt structure, we often refer to specialized words such as public debt, debt freezing, debt cancellation, debt extension, debt swap, etc.

What is financial restructuring? And what benefit does it have?

Financial restructuring is a process of rearranging or reorganizing the financial structure, which is mainly composed of equity and debt capital. Financial restructuring can be done by force or as part of a company’s financial strategy. This financial restructuring can be done from the asset or liability side. If one party changes, the other party will follow.

Debt restructuring is a process of reorganizing a company’s entire debt capital. It involves rearranging the entries of the balance sheet as it contains the company’s liabilities. Debt restructuring is often used as a financial instrument rather than equity restructuring. That’s because a company’s financial managers must always look at options to minimize the cost of capital and improve the company’s efficiency.

Benefits of debt restructuring

Debt restructuring will bring businesses the following benefits:

Past outstanding debt issues will be resolved. For most of the businesses that have difficulty in borrowing, almost all of the funds generated from business activities are only used to pay interest expenses, but cannot pay the principal. Thus, if the business continues to operate, without taking into account debt restructuring, the business will almost only bring benefits to creditors. Furthermore, the excessive loan balance will limit access to new sources of funding (both new debt and investment capital from shareholders) for the purpose of expanding operations or replacing/renovating factories, devices. This will cause many difficulties for the existence of enterprises in the medium and long term.

If the business is forced to close because of debt problems, it will have a negative impact on the business’s interest groups, especially employees (because it is difficult to find new jobs) and banks. It is more difficult to recover loans from disposing of the assets of the business than it is to collect loans gradually if the business continues to operate).

Receiving new funding, especially from foreign sources or from strategic partners, requires the ability to identify and resolve loan problems of enterprises. If these issues are handled in a proactive manner, it will create trust from investors, and that trust will, in turn, also positively affect the relationship of the business with banks for investors. get a loan.

Debt restructuring also significantly affects the process of corporate restructuring. Without debt restructuring, businesses with debt problems will find it difficult to restructure or improve their business operations, although the potential for growth is there. This leads to business failure or leadership positions, employees, and shareholders unwilling to stick with the business for long.

Explore further

    Nguyen Duc ToanCEO/Lawyer
    Nguyen Thao Ly
    Chief of consult department
    Truong Thi Thuy
    vice - chief of consult department
    Nguyen Thi Kim Anh
    Chief of financial department