Within the multi-layered structure of Vietnam's credit institutions, People's Credit Funds (PCFs) serve as the "arteries" channeling capital to remote areas, contributing to the goal of financial inclusion. However, facing complex macroeconomic fluctuations and the stringent requirements of the Law on Credit Institutions 2024, strengthening coordination between the Vietnam Banks Association (VNBA) and the Vietnam Association of PCFs (VAPCF) in 2026 has become a strategic necessity.