The study aims to investigate factors influencing business households’ decision for borrowing credit: the case of commercial banks in Tra Vinh Province, VietNam. The study was conducted by collecting data from 300 business households traded at four commercial banks in Tra Vinh province (Viet Nam bank for agriculture and rural development, Tra Vinh Branch; Viet Nam jointstock commercial bank industry and trade, Tra Vinh Branch; Asia joinstock commercial bank, Tra Vinh Branch; Viet Nam jointstock commercial bank for foreign trade, Tra Vinh Branch). By the use of the Binary Logistic regression method, the research found out that the factors influencing to borrow credit of household business’s decision including: banks brand names, loan interest rates, service attitude, and loan procedures. Of those, the banks brand names and lending interest rates have the strongest impacts on borrow credit decision of business households at commercials banks in Tra Vinh province. Since then, the study has proposed solutions to improve access to credit of business households in commercial banks in Tra Vinh province in the coming time, such as: developing a bank brand; the development of flexible lending interest rate policies; improve service style of bank staff; at the same time, simplifying lending procedures.

Abstract
 1. Introduction
 2. Literature Review
 3. Research Methodology
 4. Research Results
 5. Recommendations
  5.1. Developing Banks Brand Names
  5.2. Build up Flexible Policies for Loan InterestRates
  5.3. Improve the Style and Service Attitude ofBanks Staff
  5.4. Formulate Simple Loan Procedures
 References

• Ha Hong NGUYEN(Department of Finance and Banking, Tra Vinh University, Vietnam) Corresponding Author.
• Trinh To LIEN(Faculty of Economics, Tra Vinh University, Viet Nam.)