Preventing the crime of usurious lending in civil transactions in Ho Chi Minh City: Current situation and solutions

This study examines the current state of efforts to prevent the crime of usurious lending in civil transactions in Ho Chi Minh City and proposes solutions to improve prevention effectiveness. The study employs analytical, synthesis, statistical, comparative, and case-study methods based on current legal provisions and data from court judgments and reports issued by competent authorities during the 2021–2025 period. The findings show that prevention efforts have achieved several positive results; however, limitations remain in inter-agency coordination, legal dissemination, and public access to formal credit. On this basis, the study proposes improving the legal framework, strengthening inter-agency coordination, enhancing legal education, and expanding formal credit channels to improve the effectiveness of crime prevention.