In the context of a rapidly developing and deeply integrated global economy, the need for access to credit has officially become an essential factor in ensuring the right to development, the right to work and to improve their living standards. From this context, the article raises the research question of whether the right to access credit can be recognised as a human right. The article aims to clarify the theoretical and practical foundations for establishing the right to access credit within the human rights framework. The article analyses and clarifies the concept of the right to access credit; presents and evaluates academic perspectives both supporting and opposing this recognition; analyses the current legal framework in Vietnam; and finally, proposes legal reforms, particularly the recognition of the right to access credit as a fundamental right in the Constitution of Vietnam. The research findings show that the right to access credit meets the necessary theoretical and practical conditions to be acknowledged as a human right, contributing to the promotion of social justice and sustainable development.
