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Methodology and Institutional Collaboration
The research was conducted as a key component of the Deposit Insurance Development Strategy to 2025, with orientations toward 2030. A systematic research framework combining both quantitative and qualitative approaches was applied, enabling the expert team to collect data across a wide range of regions and demographic groups nationwide. This collaboration allowed the BAV to demonstrate its expertise in finance and banking research while equipping the DIV with robust, evidence-based inputsto support State management and policy decision-making. The partnership underscores a commitment to integrating academic rigor with policy and practice to ensure a safe and sustainable financial environment.
Key Survey Findings and Achievements
The survey results reveal that the DIV has not only met but exceeded the key benchmarks outlined in its Development Strategy toward 2025. Notably, 46.2% of depositors demonstrated an understanding of the core elements of deposit insurance policy, surpassing the 45% strategic target. Compared with the 2023 data, awareness of specific areas, such as coverage limit, payout conditions, and premium contributors, increased by 20% to 30%. Furthermore, the study recorded a trust index exceeding 73%, with over 45% of respondents identifying deposit insurance as a "very important" factor in their decision to place deposit. These resukts underscore DI policy as a vital pillar in strengthening public confidence in the banking system..
Identified Gaps and Policy Implications
Despite the positive quantitative outcomes, the survey identified the need to deepen depositor understanding, as levels of awareness remains uneven across different aspects of deposit insurance policy. Participants emphasized that, in the context of an increasingly complex financial system, depositors require a more nuanced understanding of their rights and protection. The findings suggest that while broad communication efforts have been effective in raising general awareness, there is an apparent demand for more targeted and differentiated information. This has led to the conclusion that future policy implementation must move beyond general awareness to address specific "gaps" across diverse demographic segments.
Future Communication Strategy and Implementation
In his closing remarks, Mr. Pham Bao Lam, Chairman of the DIV’s Board of Directors, emphasized the need fora fundamental shift in communication mindset from "breadth to depth." The forthcoming approach will focus on developing visual, concise, and easily accessible messages tailored to specific target groups, particularly those in regions with lower awareness. Moving forward, the DIV plans to prioritize digital communication channels and integrate DI information directly into banking applications. These initiatives, combined with the amended Law on DI, are expected to strengthen the safety and stability of the national financial system by ensuring all depositors are proactively informed and effectively protected.
Communication Department
