This study aims to evaluate factors of access to the intention to use formal credit of individual business households in Vietnam. With the simultaneous use of both qualitative and quantitative methods, the author interviewed 06 theoretical experts, 05 representatives from credit institutions and 12 representatives of households. Interview results helped add digital banking variable to the model as well as adjust the questionnaire and scale. Based on the results of the model, the variables include collateral and income, the number of years of experience of the head of household, the distance between the household to the credit institution, the digital banking and the loan procedure have a positive impact on the intention of accessing credit, but the experience of credit institutions has shown opposite results. Since then, the author gives some policy implications on collateral, digital banking with credit institutions and state management agencies in order to increase the households' access to financial services.

This paper aims to investigate the extent to which foreign investors’ net trading value impacts on the stability of the Vietnamese stock market. By using the vector error correction model (VECM) approach, and a time series of 30 stocks listed on the VN30 which are collected from Fiinpro over the period from February 2012 to September 2022, the research provides evidence of the positive impact of foreigners’ net trading value on the stability of the Vietnamese stock market, with a positive impact on stock market liquidity and a negative influence on stock market volatility in the short-term. However, there is no evidence of a long-term relationship between foreigners’ net trading value and the volatility or liquidity of the Vietnamese stock market. In addition, the research proposes several implications for policy makers which could enable them to make appropriate adjustments to regulations on foreign investor trading, in order to ensure the stability of the Vietnamese stock market in the future, as well as for both individual and institutional investors who can use foreign investor trading as a sign of the stock market stability to make decisions.