Improving Operational Efficiency of the People's Credit Fund System in Thai Binh Province, Vietnam

People's Credit Fund is a type of cooperative credit institution operating in the fields of currency and banking, with operating areas mainly in agricultural and rural areas; the organizational structure is built according to the cooperative economic model, the main activity is to mobilize capital to provide credit and banking services to its members. People's Credit Fund is a type of cooperative credit institution that operates on the principles of voluntariness, autonomy, self-responsibility for operational results, and achieves the main goal of mutual assistance between living members. And carry out production and business activities in agricultural and rural areas, an area that is considered very sensitive and vulnerable to external conditions. Moreover, even within the People's Credit Fund system, there are still many problems, leading to the lack of safety of each People's Credit Fund and the entire system. The article studies the theory of people's credit funds, including the concept and characteristics of people's credit funds and the people's credit fund system; Research the current status of people's credit fund system operations in Thai Binh province, Vietnam in terms of capital mobilization, lending and investment activities, products and services; present the difficulties of the province's people's credit fund system and thereby propose solutions to improve the operational efficiency of the province's people's credit fund system in the coming time.