Credit capital from customers’ savings deposit (CSD) of banks has an important meaning in the business activities of the banking industry. There are many factors that influence the CSD satisfaction with banks. Certain changes have been made when there are fluctuations due to COVID-19. The article is based on an analysis assessing the factors that influence the CSD satisfaction of Vietnamese commercial banks in the context of COVID-19. The authors use a sample of 1,639 CSD. The results show that there are three variables that positively affect CSD satisfaction, including legal provisions of the Central bank (Legal), policies and mechanisms of commercial banks (Policy), and products of commercial banks (Product). Accordingly, in order to contribute to strengthening this capital mobilization of savings deposit, the Central bank of Vietnam needs to play a pivotal role in the regulations of the banking system to ensure its stability; control well monetary policy, interest rates, and inflation to keep a stable position in the economy; and provide timely financial support packages to enhance the confidence of CSD. Moreover, Vietnamese commercial banks need flexible policies and mechanisms to stimulate CSD; strengthen support on deposit rates for CSD; and diversify products to easily adapt to each CSD’s situation.

Abstract
1. Introduction
2. Literature Review
    2.1. Related Concepts
    2.2. The Theory of Absolute and PermanentIncome
    2.3. Previous Studies
3. Research Design
    3.1. Sampling Method
    3.2. The Scale
    3.3. Research Hypotheses
    3.4. Research Model
4. Research Results
    4.1. Bartlett and KMO Test
    4.2. Analysis of Exploratory Factors
    4.3. Test the Reliability of Scales
    4.4. Assess the Suitability of the Model
    4.5. Regression Results
    4.6. Discussion
5. Conclusion and Policy Recommendations
    5.1. Conclusion
    5.2. Policy Recommendations
References

• Quoc Thinh TRAN(Faculty of Accounting and Auditing, Industrial University of Ho Chi Minh City) Corresponding Author
• Mai Uoc TRAN(Faculty of Political Economy, Banking University of Ho Chi Minh City)
• Xuan Thuy LE(HD Bank)