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This paper examines determinants of accessibility to rural poor households in Vietnam from the viewpoint of policy makers, credit institutions and poor households. From supply side annual report of provider will be cited, from demand side, VHLSS primary data provided by GSO will be used. Beside that semi-structured questionnaire survey will be conducted to collect qualitative information. Logit model is employed to investigate the determinants of their outstanding loan. The quantitative model’s results express that age, education, regional differentiation, industrial differentiation, land, asset affect to credit access of poor households. The qualitative analysis finds out some recommendations for adjustment the poverty reducing credit policy

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