Along with expending the scale of credit for poor households, improving the effectiveness of credit system in Lang Son Bank for Social Policies is major and crucial objective. Providing credit services to poor and disadvantage households have increased recently and they use credit resource according to their objective and ability to repay the credit to the bank and finally they improve their living condition. Credit system has contributed significantly to the poverty reduction in Lang Son province. Based on evaluation of current situation of loan for poor households arid assessment of its efficiency in bank of social and policy in Lang Son province, the paper shown that the efficiency of credit to poor households was still low compared to the objective. The number of eligible poor households, who meet the demand of the banks, were stilI large and the effective of loan was limited. Since then, some recommendations to deal with the current situation in bank of social and policy in Lang Son was drawn. The content of the paper are urgent and significant not only for the provincial bank of social and policy but also to whole province level.