{"id":10300,"date":"2020-05-08T15:17:57","date_gmt":"2020-05-08T08:17:57","guid":{"rendered":"https:\/\/anvilaw.com\/vi\/?p=10300"},"modified":"2022-03-03T08:38:34","modified_gmt":"2022-03-03T01:38:34","slug":"2-982-ha-chuan-cho-vay-se-dan-den-nguy-co-kep","status":"publish","type":"post","link":"https:\/\/anvilaw.com\/vi\/2-982-ha-chuan-cho-vay-se-dan-den-nguy-co-kep\/","title":{"rendered":"2.982. H\u1ea1 chu\u1ea9n cho vay s\u1ebd d\u1eabn \u0111\u1ebfn nguy c\u01a1 k\u00e9p"},"content":{"rendered":"

(TTTC) – Chu\u1ea9n cho vay l\u00e0 \u0111i\u1ec1u ki\u1ec7n t\u1ed1i thi\u1ec3u \u0111\u1ec3 b\u1ea3o \u0111\u1ea3m s\u1ef1 an to\u00e0n v\u00e0 hi\u1ec7u qu\u1ea3 c\u1ee7a ho\u1ea1t \u0111\u1ed9ng ng\u00e2n h\u00e0ng. Do \u0111\u00f3, gi\u1edbi chuy\u00ean m\u00f4n cho r\u1eb1ng, trong b\u1ed1i c\u1ea3nh d\u1ecbch b\u1ec7nh Covid-19 c\u00f3 nhi\u1ec1u t\u00e1c \u0111\u1ed9ng ti\u00eau c\u1ef1c \u0111\u1ebfn kinh t\u1ebf x\u00e3 h\u1ed9i, n\u1ebfu h\u1ea1 chu\u1ea9n vay s\u1ebd d\u1eabn \u0111\u1ebfn nguy c\u01a1 k\u00e9p cho ng\u00e0nh Ng\u00e2n h\u00e0ng: m\u1ea5t an to\u00e0n ho\u1ea1t \u0111\u1ed9ng ng\u00e2n h\u00e0ng v\u00e0 n\u1ee3 x\u1ea5u t\u0103ng cao.<\/strong><\/h4>\n\n\n\n\n
\"\"<\/td>\n<\/tr>\n
C\u00e1c ng\u00e2n h\u00e0ng \u0111\u00e3 r\u1ea5t quy\u1ebft li\u1ec7t, \u0111\u1ed3ng h\u00e0nh, chia s\u1ebb v\u1edbi doanh nghi\u1ec7p v\u00e0 ng\u01b0\u1eddi d\u00e2n<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n

Th\u1eddi gian qua, to\u00e0n b\u1ed9 h\u1ec7 th\u1ed1ng ng\u00e2n h\u00e0ng \u0111\u00e3 r\u1ea5t quy\u1ebft li\u1ec7t tham gia h\u1ed7 tr\u1ee3, th\u1ec3 hi\u1ec7n quy\u1ebft t\u00e2m chia s\u1ebb v\u1edbi n\u1ec1n kinh t\u1ebf. \u0110\u01a1n c\u1eed nh\u01b0 vi\u1ec7c gi\u1ea3m l\u01b0\u01a1ng, th\u01b0\u1edfng, t\u1ea1m th\u1eddi ch\u01b0a chia c\u1ed5 t\u1ee9c, gi\u1ea3m m\u1ea1nh l\u1ee3i nhu\u1eadn\u2026 \u1edf h\u1ea7u h\u1ebft c\u00e1c ng\u00e2n h\u00e0ng \u0111\u1ec3 c\u00f3 \u0111i\u1ec1u ki\u1ec7n\u00a0gi\u1ea3m l\u00e3i su\u1ea5t\u00a0<\/a>h\u1ed7 tr\u1ee3 doanh nghi\u1ec7p. Ng\u00e0nh ng\u00e2n h\u00e0ng s\u1eb5n s\u00e0ng chia s\u1ebb l\u1ee3i nhu\u1eadn \u0111\u1ec3 h\u1ed7 tr\u1ee3 doanh nghi\u1ec7p v\u01b0\u1ee3t qua \u0111\u1ea1i d\u1ecbch, \u0111\u1ea3m b\u1ea3o cung \u1ee9ng \u0111\u1ee7 v\u1ed1n cho n\u1ec1n kinh t\u1ebf, \u0111\u01a1n gi\u1ea3n h\u00f3a th\u1ee7 t\u1ee5c h\u00e0nh ch\u00ednh\u2026 nh\u01b0ng c\u00e1c ng\u00e2n h\u00e0ng th\u01b0\u01a1ng m\u1ea1i (NHTM) kh\u00f4ng th\u1ec3 h\u1ea1\u00a0chu\u1ea9n t\u00edn d\u1ee5ng. H\u1ec7 th\u1ed1ng ng\u00e2n h\u00e0ng ho\u1ea1t \u0111\u1ed9ng t\u1ed1t th\u00ec \u0111\u00f3ng g\u00f3p v\u00e0o n\u1ec1n t\u1ea3ng \u1ed5n \u0111\u1ecbnh \u0111\u00f3, ng\u01b0\u1ee3c l\u1ea1i s\u1ebd gi\u1eef cho h\u1ec7 th\u1ed1ng t\u1ed5 ch\u1ee9c t\u00edn d\u1ee5ng (TCTD) c\u00f3 \u0111\u01b0\u1ee3c m\u00f4i tr\u01b0\u1eddng \u1ed5n \u0111\u1ecbnh.<\/p>\n

V\u00ec an to\u00e0n ho\u1ea1t \u0111\u1ed9ng, ng\u00e2n h\u00e0ng kh\u00f4ng th\u1ec3 h\u1ea1 chu\u1ea9n cho vay<\/strong><\/p>\n

Nh\u00ecn l\u1ea1i c\u00e1ch \u0111\u00e2y 7-8 n\u0103m, m\u1ed9t s\u1ed1 ng\u00e2n h\u00e0ng n\u1edbi l\u1ecfng \u0111i\u1ec1u ki\u1ec7n vay tr\u01b0\u1edbc s\u1ee9c \u00e9p c\u1ee7a doanh nghi\u1ec7p, c\u1ee7a th\u1ecb tr\u01b0\u1eddng, d\u1eabn \u0111\u1ebfn h\u1ec7 l\u1ee5y l\u00e0 c\u00f3 nh\u1eefng c\u00e1n b\u1ed9 ng\u00e2n h\u00e0ng r\u01a1i v\u00e0o v\u00f2ng lao l\u00fd 3-4 n\u0103m sau \u0111\u00f3. T\u1edbi nay, b\u00e0i h\u1ecdc v\u1eabn c\u00f2n nguy\u00ean gi\u00e1 tr\u1ecb. Ch\u1eafc ch\u1eafn ng\u00e2n h\u00e0ng s\u1ebd kh\u00f4ng m\u1ed9t l\u1ea7n n\u1eefa “m\u1ea1o hi\u1ec3m” cho doanh nghi\u1ec7p vay kh\u00f4ng an to\u00e0n m\u00e0 bu\u1ed9c ph\u1ea3i c\u1ea9n tr\u1ecdng \u0111\u1ec3 b\u1ea3o to\u00e0n \u0111\u1ed3ng v\u1ed1n cho vay ra \u2013 c\u0169ng ch\u00ednh l\u00e0 ngu\u1ed3n v\u1ed1n huy \u0111\u1ed9ng \u0111\u01b0\u1ee3c t\u1eeb nh\u00e2n d\u00e2n b\u1eb1ng uy t\u00edn c\u1ee7a m\u00ecnh.<\/p>\n

D\u1ef1 ki\u1ebfn d\u01b0 n\u1ee3 b\u1ecb \u1ea3nh h\u01b0\u1edfng b\u1edfi d\u1ecbch Covid-19 kho\u1ea3ng 2 tri\u1ec7u t\u1ef7 \u0111\u1ed3ng, chi\u1ebfm 23% d\u01b0 n\u1ee3 to\u00e0n h\u1ec7 th\u1ed1ng. Trong s\u1ed1 n\u00e0y, c\u00f3 kho\u1ea3n n\u1ee3 s\u1ebd tr\u1edf th\u00e0nh n\u1ee3 x\u1ea5u, c\u00f3 kho\u1ea3n n\u1ee3 s\u1ebd tr\u1ea3 \u0111\u01b0\u1ee3c, c\u00f3 kho\u1ea3n s\u1ebd l\u00e0 n\u1ee3 b\u00ecnh th\u01b0\u1eddng. N\u1ebfu c\u1ed9ng th\u00eam v\u1edbi t\u1ef7 l\u1ec7 n\u1ee3 x\u1ea5u to\u00e0n ng\u00e0nh hi\u1ec7n nay, t\u01b0\u01a1ng lai n\u1ee3 x\u1ea5u s\u1ebd l\u00e0 g\u00e1nh n\u1eb7ng l\u1edbn \u0111\u1ed1i v\u1edbi ng\u00e0nh ng\u00e2n h\u00e0ng. Trong b\u1ed1i c\u1ea3nh nh\u01b0 v\u1eady, chuy\u00ean gia kinh t\u1ebf Nguy\u1ec5n Minh Phong cho r\u1eb1ng: \u201cNg\u00e2n h\u00e0ng c\u0169ng kh\u00f4ng th\u1ec3 cho vay bao c\u1ea5p \u0111\u01b0\u1ee3c\u201d.<\/p>\n

\u201cNg\u00e2n h\u00e0ng c\u0169ng l\u00e0 doanh nghi\u1ec7p, v\u1ed1n kinh doanh c\u1ee7a h\u1ecd c\u0169ng l\u00e0 v\u1ed1n th\u01b0\u01a1ng m\u1ea1i huy \u0111\u1ed9ng t\u1eeb d\u00e2n c\u01b0, ph\u1ea3i tr\u1ea3 l\u00e3i ch\u1ee9 kh\u00f4ng ph\u1ea3i v\u1ed1n \u0111\u01b0\u1ee3c cho kh\u00f4ng. Do v\u1eady, s\u1ef1 h\u1ed7 tr\u1ee3 c\u1ee7a h\u1ec7 th\u1ed1ng ng\u00e2n h\u00e0ng c\u0169ng ch\u1ec9 \u1edf m\u1ee9c \u0111\u1ed9 n\u00e0o \u0111\u00f3 ch\u1ee9 kh\u00f4ng th\u1ec3 tr\u00e0n lan \u0111\u01b0\u1ee3c v\u00ec ngu\u1ed3n l\u1ef1c c\u00f3 h\u1ea1n\u201d, chuy\u00ean gia kinh t\u1ebf Nguy\u1ec5n \u0110\u1ee9c \u0110\u1ed9, Ph\u00f3 Vi\u1ec7n tr\u01b0\u1edfng Vi\u1ec7n T\u00e0i ch\u00ednh, B\u1ed9 T\u00e0i ch\u00ednh b\u00e0y t\u1ecf quan \u0111i\u1ec3m.<\/p>\n

\u0110\u1ed3ng t\u00ecnh v\u1edbi nh\u1eadn \u0111\u1ecbnh tr\u00ean, lu\u1eadt s\u01b0 Tr\u01b0\u01a1ng Thanh \u0110\u1ee9c c\u0169ng ki\u1ebfn ngh\u1ecb, c\u00e1c NHTM d\u1ee9t kho\u00e1t kh\u00f4ng \u0111\u01b0\u1ee3c h\u1ea1 chu\u1ea9n cho vay, v\u00ec chu\u1ea9n l\u00e0 c\u00e1i t\u1ed1i thi\u1ec3u \u0111\u1ec3 b\u1ea3o \u0111\u1ea3m s\u1ef1 an to\u00e0n v\u00e0 hi\u1ec7u qu\u1ea3 c\u1ee7a ho\u1ea1t \u0111\u1ed9ng ng\u00e2n h\u00e0ng. Theo lu\u1eadt s\u01b0, vi\u1ec7c t\u0103ng hay h\u1ea1 chu\u1ea9n kh\u00f4ng ph\u1ea3i l\u00e0 v\u00ec kh\u00e1ch h\u00e0ng, v\u00ec mu\u1ed1n t\u0103ng hay gi\u1ea3m d\u01b0 n\u1ee3, m\u00e0 ch\u1ec9 c\u00f3 th\u1ec3 thay \u0111\u1ed5i khi v\u1eabn \u0111\u00e1p \u1ee9ng \u0111\u01b0\u1ee3c y\u00eau c\u1ea7u an to\u00e0n. \u201cQua \u0111\u1ee3t d\u1ecbch n\u00e0y, ch\u1eafc ch\u1eafn n\u1ee3 x\u1ea5u s\u1ebd t\u0103ng cao. N\u1ebfu h\u1ea1\u00a0<\/em>chu\u1ea9n cho vay<\/em>\u00a0<\/em><\/a>n\u1eefa th\u00ec s\u1ebd d\u1eabn \u0111\u1ebfn nguy c\u01a1 k\u00e9p, h\u1eadu qu\u1ea3 kh\u00f3 l\u01b0\u1eddng\u201d, lu\u1eadt s\u01b0 Tr\u01b0\u01a1ng Thanh \u0110\u1ee9c nh\u1ea5n m\u1ea1nh.<\/em><\/p>\n

\u201cC\u00e1c NHTM kh\u00f4ng n\u00ean h\u1ea1 chu\u1ea9n cho vay. B\u1edfi l\u1ebd, \u0111\u1ebfn nay (n\u0103m 2020) ng\u00e0nh Ng\u00e2n h\u00e0ng Vi\u1ec7t Nam v\u1eabn c\u00f2n nh\u1eefng di h\u1ecda (n\u1ee3 x\u1ea5u) t\u1eeb t\u00e1c \u0111\u1ed9ng kh\u1ee7ng ho\u1ea3ng t\u00e0i ch\u00ednh to\u00e0n c\u1ea7u 2007-2008, b\u00e2y gi\u1edd, ng\u00e2n h\u00e0ng l\u1ea1i h\u1ea1 chu\u1ea9n cho vay th\u00ec ch\u1eafc ch\u1eafn x\u1ea5u m\u1edbi l\u1ea1i ch\u1ed3ng th\u00eam x\u1ea5u c\u0169. N\u1ebfu b\u1ed3i th\u00eam c\u00fa n\u1eefa, th\u00ec kh\u00f4ng bi\u1ebft h\u00e0ng ch\u1ee5c n\u0103m n\u1eefa ng\u00e2n h\u00e0ng c\u00f3 kh\u1eafc ph\u1ee5c \u0111\u01b0\u1ee3c kh\u00f4ng?\u201d, chuy\u00ean gia kinh t\u1ebf V\u0169 \u0110\u00ecnh \u00c1nh ph\u00e2n t\u00edch. \u201cN\u1ebfu h\u1ea1 chu\u1ea9n cho vay trong khi doanh nghi\u1ec7p ch\u01b0a c\u00f3 ph\u01b0\u01a1ng \u00e1n s\u1ea3n xu\u1ea5t kinh doanh ph\u00e1t tri\u1ec3n b\u1ec1n v\u1eefng th\u00ec r\u1ee7i ro cho c\u1ea3 doanh nghi\u1ec7p l\u1eabn ch\u1ea5t th\u00eam cho ng\u00e2n h\u00e0ng, t\u1eeb \u0111\u00f3 g\u00e2y b\u1ea5t l\u1ee3i cho c\u1ea3 n\u1ec1n kinh t\u1ebf\u201d.<\/p>\n

Th\u1ea5u hi\u1ec3u nh\u1eefng kh\u00f3 kh\u0103n ng\u00e2n h\u00e0ng \u0111ang \u0111\u1ed1i m\u1eb7t, \u00f4ng Tr\u01b0\u01a1ng Gia B\u00ecnh, Ch\u1ee7 t\u1ecbch Hi\u1ec7p h\u1ed9i n\u00f4ng nghi\u1ec7p s\u1ed1 Vi\u1ec7t Nam cho r\u1eb1ng, vi\u1ec7c tri\u1ec3n khai c\u00e1c g\u00f3i t\u00edn d\u1ee5ng h\u1ed7 tr\u1ee3 n\u00e0y kh\u00f4ng ch\u1ec9 l\u00e0 s\u1ef1 chia s\u1ebb l\u1ee3i nhu\u1eadn m\u00e0 c\u00f2n l\u00e0 th\u00e1ch th\u1ee9c kh\u00f4ng nh\u1ecf \u0111\u1ed1i v\u1edbi ng\u00e0nh ng\u00e2n h\u00e0ng. B\u1edfi \u1ea3nh h\u01b0\u1edfng c\u1ee7a d\u1ecbch b\u1ec7nh c\u00f3 th\u1ec3 khi\u1ebfn doanh nghi\u1ec7p kh\u00f4ng c\u00f3 kh\u1ea3 n\u0103ng tr\u1ea3 n\u1ee3 \u0111\u00fang h\u1ea1n, t\u1eeb \u0111\u00f3 gia t\u0103ng t\u1ef7 l\u1ec7 n\u1ee3 qu\u00e1 h\u1ea1n, n\u1ee3 x\u1ea5u, th\u1eadm ch\u00ed d\u1eabn \u0111\u1ebfn kh\u1ee7ng ho\u1ea3ng t\u00e0i ch\u00ednh v\u00e0 \u1ea3nh h\u01b0\u1edfng \u0111\u1ebfn c\u1ea3 n\u1ec1n kinh t\u1ebf. \u201c\u0110\u00e2y ch\u00ednh l\u00e0 \u00e1p l\u1ef1c r\u1ea5t l\u1edbn cho c\u00e1c NHTM, n\u00ean qu\u00e1 tr\u00ecnh tri\u1ec3n khai s\u1ebd c\u00f3 s\u1ef1 th\u1eadn tr\u1ecdng nh\u1ea5t \u0111\u1ecbnh \u0111\u1ec3 \u0111\u1ea3m b\u1ea3o nhi\u1ec1u m\u1ee5c ti\u00eau gi\u1ea3i quy\u1ebft \u0111\u01b0\u1ee3c c\u00f9ng l\u00fac, v\u1eeba h\u1ed7 tr\u1ee3 doanh nghi\u1ec7p v\u1eeba h\u1ea1n ch\u1ebf t\u1ed1i \u0111a c\u00e1c r\u1ee7i ro\u201d, \u00f4ng B\u00ecnh b\u00e0y t\u1ecf quan \u0111i\u1ec3m.<\/p>\n

Gi\u1ea3i ph\u00e1p g\u1ee1 kh\u00f3 cho doanh nghi\u1ec7p<\/strong><\/p>\n

\u0110\u1ec3 th\u00e1o g\u1ee1 kh\u00f3 kh\u0103n cho c\u1ed9ng \u0111\u1ed3ng doanh nghi\u1ec7p, \u0111\u1eb7c bi\u1ec7t l\u00e0 DNNVV trong ti\u1ebfp c\u1eadn v\u1ed1n vay \u01b0u \u0111\u00e3i t\u1eeb ng\u00e2n h\u00e0ng, \u00f4ng Nguy\u1ec5n \u0110\u1ee9c \u0110\u1ed9 cho r\u1eb1ng, ng\u00e2n h\u00e0ng gi\u1ea3m l\u00e3i su\u1ea5t \u0111\u1ec3 h\u1ed7 tr\u1ee3 n\u1ec1n kinh t\u1ebf c\u0169ng l\u00e0 \u0111ang ch\u1ecbu thi\u1ec7t v\u1ec1 ph\u00eda m\u00ecnh. Do v\u1eady, c\u1ea7n ph\u1ea3i c\u00f3 b\u00e0n tay can thi\u1ec7p t\u1eeb Nh\u00e0 n\u01b0\u1edbc trong vi\u1ec7c h\u1ed7 tr\u1ee3 l\u00e3i su\u1ea5t nh\u01b0 tr\u01b0\u1edbc \u0111\u00e2y. C\u00f3 nh\u01b0 v\u1eady, c\u00e1c TCTD m\u1edbi m\u1ea1nh d\u1ea1n cho vay h\u01a1n, qua \u0111\u00f3 gi\u00fap doanh nghi\u1ec7p v\u00e0 ng\u01b0\u1eddi d\u00e2n v\u01b0\u1ee3t qua kh\u00f3 kh\u0103n do \u0111\u1ea1i d\u1ecbch Covid-19.<\/p>\n

Chuy\u00ean gia kinh t\u1ebf tr\u01b0\u1edfng BIDV, TS.C\u1ea5n V\u0103n L\u1ef1c n\u00eau quan \u0111i\u1ec3m, vi\u1ec7c \u0111\u1ea9y nhanh ti\u1ebfp c\u1eadn ch\u01b0\u01a1ng tr\u00ecnh t\u00edn d\u1ee5ng 300.000 t\u1ef7 \u0111\u1ed3ng m\u00e0 c\u00e1c NHTM \u0111ang tri\u1ec3n khai \u0111\u00f2i h\u1ecfi thi\u1ec7n ch\u00ed c\u1ee7a c\u1ea3 ng\u01b0\u1eddi d\u00e2n v\u00e0 doanh nghi\u1ec7p. Ph\u00eda doanh nghi\u1ec7p c\u0169ng ph\u1ea3i c\u00f3 thi\u1ec7n ch\u00ed h\u1ee3p t\u00e1c v\u1edbi ng\u00e2n h\u00e0ng, ch\u1ee9ng minh thi\u1ec7t h\u1ea1i c\u1ee7a m\u00ecnh \u0111\u1ec3 ng\u00e2n h\u00e0ng c\u00f3 c\u0103n c\u1ee9 h\u1ed7 tr\u1ee3. C\u00e1c n\u01b0\u1edbc tr\u00ean th\u1ebf gi\u1edbi \u0111\u1ec1u nh\u01b0 v\u1eady, kh\u00f4ng ri\u00eang Vi\u1ec7t Nam. Ch\u01b0a k\u1ec3, g\u00f3i h\u1ed7 tr\u1ee3 n\u00e0y l\u00e0 ti\u1ec1n t\u00fai c\u1ee7a ng\u00e2n h\u00e0ng, ch\u1ee9 kh\u00f4ng ph\u1ea3i l\u00e0 ti\u1ec1n ng\u00e2n s\u00e1ch. \u201cNg\u00e2n h\u00e0ng ch\u1ea5p nh\u1eadn gi\u1ea3m l\u1ee3i nhu\u1eadn \u0111\u1ec3 h\u1ed7 tr\u1ee3 doanh nghi\u1ec7p, h\u1ecd ph\u1ea3i h\u1ed7 tr\u1ee3 \u0111\u00fang \u0111\u1ed1i t\u01b0\u1ee3ng. N\u1ebfu kh\u00f4ng, sau n\u00e0y, ng\u00e2n h\u00e0ng s\u1ebd b\u1ecb quy tr\u00e1ch nhi\u1ec7m khi thanh, ki\u1ec3m tra. Ch\u01b0a k\u1ec3, ng\u00e2n h\u00e0ng huy \u0111\u1ed9ng ti\u1ec1n g\u1eedi c\u1ee7a ng\u01b0\u1eddi d\u00e2n, n\u00ean cho vay c\u0169ng ph\u1ea3i th\u1eadn tr\u1ecdng \u0111\u1ec3 b\u1ea3o to\u00e0n v\u1ed1n\u201d, TS.C\u1ea5n V\u0103n L\u1ef1c nh\u1ea5n m\u1ea1nh.<\/p>\n

D\u01b0\u1edbi g\u00f3c nh\u00ecn c\u1ee7a doanh nghi\u1ec7p, \u00f4ng Tr\u01b0\u01a1ng Gia B\u00ecnh \u0111\u01b0a ra g\u1ee3i m\u1edf, l\u00e3nh \u0111\u1ea1o doanh nghi\u1ec7p c\u0169ng c\u1ea7n thay \u0111\u1ed5i nh\u1eadn th\u1ee9c nh\u1eb1m qu\u1ea3n l\u00fd, s\u1eed d\u1ee5ng v\u1ed1n hi\u1ec7u qu\u1ea3 v\u00e0 c\u00f3 tr\u00e1ch nhi\u1ec7m, k\u1ebf ho\u1ea1ch s\u1ea3n xu\u1ea5t kinh doanh ph\u1ea3i t\u1eadp trung v\u00e0o th\u1ebf m\u1ea1nh c\u1ee7a doanh nghi\u1ec7p, t\u00ecm c\u00e1c c\u00e1ch th\u1ee9c chuy\u1ec3n \u0111\u1ed5i s\u00e1ng t\u1ea1o \u0111\u1ec3 n\u1eafm b\u1eaft \u201cc\u01a1\u201d trong \u201cnguy\u201d, gi\u1ea3m b\u1edbt \u1ea3nh h\u01b0\u1edfng b\u1edfi d\u1ecbch b\u1ec7nh. B\u00ean c\u1ea1nh \u0111\u00f3, doanh nghi\u1ec7p n\u00ean t\u00ecm ngu\u1ed3n v\u1ed1n trung v\u00e0 d\u00e0i h\u1ea1n tr\u00ean th\u1ecb tr\u01b0\u1eddng v\u1ed1n, nh\u01b0 v\u1eady s\u1ebd \u0111a d\u1ea1ng h\u00f3a \u0111\u01b0\u1ee3c ngu\u1ed3n v\u1ed1n, gi\u1ea3m ph\u1ee5 thu\u1ed9c v\u00e0 \u00e1p l\u1ef1c v\u00e0o v\u1ed1n ng\u00e2n h\u00e0ng.<\/p>\n

V\u1ec1 ph\u00eda ng\u00e2n h\u00e0ng, \u00f4ng B\u00ecnh c\u0169ng \u0111\u1ec1 ngh\u1ecb: \u201cc\u00e1c ng\u00e2n h\u00e0ng c\u1ea7n th\u1eaft ch\u1eb7t ki\u1ec3m so\u00e1t chi ph\u00ed ho\u1ea1t \u0111\u1ed9ng, th\u01b0\u1eddng xuy\u00ean r\u00e0 so\u00e1t \u0111\u1ec3 k\u1ecbp th\u1eddi \u0111i\u1ec1u ch\u1ec9nh c\u00e1c k\u1ecbch b\u1ea3n h\u00e0nh \u0111\u1ed9ng. T\u0103ng c\u01b0\u1eddng \u1ee9ng d\u1ee5ng n\u1ec1n t\u1ea3ng s\u1ed1, thanh to\u00e1n kh\u00f4ng ti\u1ebfp x\u00fac, h\u1ea1n ch\u1ebf s\u1eed d\u1ee5ng ti\u1ec1n m\u1eb7t, \u0111\u1ea3m b\u1ea3o v\u00e0 t\u1ea1o ni\u1ec1m tin cho kh\u00e1ch h\u00e0ng v\u00e0o t\u00ednh an to\u00e0n, b\u1ea3o m\u1eadt c\u1ee7a vi\u1ec7c giao d\u1ecbch online\u201d.<\/p>\n

\u0110\u1ee9ng tr\u01b0\u1edbc b\u00e0i to\u00e1n: v\u1eeba gi\u1ea3i quy\u1ebft kh\u00f3 kh\u0103n cho doanh nghi\u1ec7p v\u00e0 ng\u01b0\u1eddi d\u00e2n nh\u01b0ng kh\u00f4ng \u0111\u01b0\u1ee3c ph\u00e1 v\u1ee1 c\u00e1c ti\u00eau ch\u00ed v\u1ec1 \u0111\u1ea3m b\u1ea3o an to\u00e0n ho\u1ea1t \u0111\u1ed9ng c\u1ee7a c\u00e1c TCTD, \u00f4ng Nguy\u1ec5n To\u00e0n Th\u1eafng – T\u1ed5ng Th\u01b0 k\u00fd Hi\u1ec7p h\u1ed9i Ng\u00e2n h\u00e0ng – cho r\u1eb1ng, c\u00e1c TCTD c\u1ea7n n\u1eafm s\u00e1t t\u00ecnh h\u00ecnh doanh nghi\u1ec7p \u0111\u1ec3 h\u1ed7 tr\u1ee3 m\u1ed9t c\u00e1ch c\u00f3 hi\u1ec7u qu\u1ea3. \u00d0i\u1ec1u n\u00e0y s\u1ebd gi\u00fap TCTD tr\u00e1nh \u0111\u01b0\u1ee3c t\u00ecnh tr\u1ea1ng kh\u00e1ch h\u00e0ng ch\u00e2y \u1ef3, \u0111\u1ea3o n\u1ee3, \u0111\u1ec3 r\u1ed3i g\u00e2y ra n\u1ee3 x\u1ea5u sau n\u00e0y. Khi \u0111\u00e3 n\u1eafm r\u00f5 th\u1ef1c ch\u1ea5t ho\u1ea1t \u0111\u1ed9ng doanh nghi\u1ec7p, TCTD c\u1ea7n c\u00f4ng khai c\u00e1c tr\u01b0\u1eddng h\u1ee3p kh\u00f4ng \u0111\u1ee7 \u0111i\u1ec1u ki\u1ec7n cho vay, tr\u00e1nh s\u1ef1 hi\u1ec3u l\u1ea7m, c\u0169ng nh\u01b0 \u0111\u1ec3 doanh nghi\u1ec7p hi\u1ec3u r\u1eb1ng, kh\u00f4ng ph\u1ea3i ng\u00e2n h\u00e0ng l\u00e0 ngu\u1ed3n h\u1ed7 tr\u1ee3 duy nh\u1ea5t trong l\u00fac kh\u00f3 kh\u0103n n\u00e0y.<\/p>\n

T\u1ed5ng Th\u01b0 k\u00fd Hi\u1ec7p h\u1ed9i Ng\u00e2n h\u00e0ng cho bi\u1ebft th\u00eam, c\u00e1c ng\u00e2n h\u00e0ng \u0111\u00e3 r\u1ea5t quy\u1ebft li\u1ec7t, \u0111\u1ed3ng h\u00e0nh, chia s\u1ebb v\u1edbi doanh nghi\u1ec7p v\u00e0 ng\u01b0\u1eddi d\u00e2n, \u0111\u00e3 th\u1ef1c hi\u1ec7n nhi\u1ec1u gi\u1ea3i ph\u00e1p \u0111\u1ec3 h\u1ed7 tr\u1ee3 kh\u00e1ch h\u00e0ng b\u1ecb thi\u1ec7t h\u1ea1i do d\u1ecbch b\u1ec7nh Covid-19, nh\u01b0: tri\u1ec3n khai c\u00e1c g\u00f3i h\u1ed7 tr\u1ee3 v\u1edbi nhi\u1ec1u \u01b0u \u0111\u00e3i v\u1ec1 l\u00e3i su\u1ea5t, ph\u00ed d\u1ecbch v\u1ee5, tinh g\u1ecdn quy tr\u00ecnh, th\u1ee7 t\u1ee5c, h\u1ed3 s\u01a1 cho vay\u2026 T\u1ea1o \u0111i\u1ec1u ki\u1ec7n cho doanh nghi\u1ec7p v\u00e0 ng\u01b0\u1eddi d\u00e2n ti\u1ebfp c\u1eadn ngu\u1ed3n v\u1ed1n t\u00edn d\u1ee5ng ng\u00e2n h\u00e0ng \u0111\u01b0\u1ee3c thu\u1eadn l\u1ee3i h\u01a1n.<\/p>\n

NG\u00d4 H\u1ea2I<\/strong><\/p>\n

\u2014\u2014\u2014\u2014\u2014\u2014\u2014\u2014\u2014\u2013<\/em><\/strong><\/p>\n

Th\u1ecb tr\u01b0\u1eddng T\u00e0i ch\u00ednh ti\u1ec1n t\u1ec7 (V\u1ea5n \u0111\u1ec1 – Nh\u1eadn \u0111\u1ecbnh) 08-5-2020:<\/em><\/strong><\/p>\n

http:\/\/thitruongtaichinhtiente.vn\/ha-chuan-cho-vay-se-dan-den-nguy-co-kep-27565.html<\/em><\/a><\/p>\n

(125\/1.618)<\/em>","protected":false},"excerpt":{"rendered":"

(TTTC) – Chu\u1ea9n cho vay l\u00e0 \u0111i\u1ec1u ki\u1ec7n t\u1ed1i thi\u1ec3u \u0111\u1ec3 b\u1ea3o \u0111\u1ea3m s\u1ef1 an to\u00e0n v\u00e0 hi\u1ec7u qu\u1ea3 c\u1ee7a ho\u1ea1t \u0111\u1ed9ng ng\u00e2n h\u00e0ng. Do \u0111\u00f3, gi\u1edbi chuy\u00ean m\u00f4n cho r\u1eb1ng, trong b\u1ed1i c\u1ea3nh d\u1ecbch b\u1ec7nh Covid-19 c\u00f3 nhi\u1ec1u t\u00e1c \u0111\u1ed9ng ti\u00eau c\u1ef1c \u0111\u1ebfn kinh t\u1ebf x\u00e3 h\u1ed9i, n\u1ebfu h\u1ea1 chu\u1ea9n vay s\u1ebd d\u1eabn \u0111\u1ebfn […]<\/p>\n","protected":false},"author":1,"featured_media":10301,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":""},"categories":[27,26],"tags":[],"class_list":["post-10300","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-interviews","category-legal-media"],"acf":[],"yoast_head":"\n2.982. H\u1ea1 chu\u1ea9n cho vay s\u1ebd d\u1eabn \u0111\u1ebfn nguy c\u01a1 k\u00e9p - ANVI Law Firm<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/anvilaw.com\/en\/tieng-viet-2-982-ha-chuan-cho-vay-se-dan-den-nguy-co-kep\/\" \/>\n<meta property=\"og:locale\" content=\"vi_VN\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"[:vi]2.982. H\u1ea1 chu\u1ea9n cho vay s\u1ebd d\u1eabn \u0111\u1ebfn nguy c\u01a1 k\u00e9p[:] - ANVI Law Firm\" \/>\n<meta property=\"og:description\" content=\"(TTTC) – Chu\u1ea9n cho vay l\u00e0 \u0111i\u1ec1u ki\u1ec7n t\u1ed1i thi\u1ec3u \u0111\u1ec3 b\u1ea3o \u0111\u1ea3m s\u1ef1 an to\u00e0n v\u00e0 hi\u1ec7u qu\u1ea3 c\u1ee7a ho\u1ea1t \u0111\u1ed9ng ng\u00e2n h\u00e0ng. Do \u0111\u00f3, gi\u1edbi chuy\u00ean m\u00f4n cho r\u1eb1ng, trong b\u1ed1i c\u1ea3nh d\u1ecbch b\u1ec7nh Covid-19 c\u00f3 nhi\u1ec1u t\u00e1c \u0111\u1ed9ng ti\u00eau c\u1ef1c \u0111\u1ebfn kinh t\u1ebf x\u00e3 h\u1ed9i, n\u1ebfu h\u1ea1 chu\u1ea9n vay s\u1ebd d\u1eabn \u0111\u1ebfn […]\" \/>\n<meta property=\"og:url\" content=\"https:\/\/anvilaw.com\/en\/tieng-viet-2-982-ha-chuan-cho-vay-se-dan-den-nguy-co-kep\/\" \/>\n<meta property=\"og:site_name\" content=\"ANVI Law Firm\" \/>\n<meta property=\"article:publisher\" content=\"https:\/\/facebook.com\/anvilawfirm\" \/>\n<meta property=\"article:published_time\" content=\"2020-05-08T08:17:57+00:00\" \/>\n<meta property=\"article:modified_time\" content=\"2022-03-03T01:38:34+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/anvilaw.com\/wp-content\/uploads\/2022\/03\/24-1.jpg\" \/>\n\t<meta property=\"og:image:width\" content=\"558\" \/>\n\t<meta property=\"og:image:height\" content=\"372\" \/>\n\t<meta property=\"og:image:type\" content=\"image\/jpeg\" \/>\n<meta name=\"author\" content=\"administrator\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:creator\" content=\"@anvilawfirm\" \/>\n<meta name=\"twitter:site\" content=\"@anvilawfirm\" \/>\n<meta name=\"twitter:label1\" content=\"\u0110\u01b0\u1ee3c vi\u1ebft b\u1edfi\" \/>\n\t<meta name=\"twitter:data1\" content=\"administrator\" \/>\n\t<meta name=\"twitter:label2\" content=\"\u01af\u1edbc t\u00ednh th\u1eddi gian \u0111\u1ecdc\" \/>\n\t<meta name=\"twitter:data2\" content=\"12 ph\u00fat\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\/\/schema.org\",\"@graph\":[{\"@type\":\"Article\",\"@id\":\"https:\/\/anvilaw.com\/en\/tieng-viet-2-982-ha-chuan-cho-vay-se-dan-den-nguy-co-kep\/#article\",\"isPartOf\":{\"@id\":\"https:\/\/anvilaw.com\/en\/tieng-viet-2-982-ha-chuan-cho-vay-se-dan-den-nguy-co-kep\/\"},\"author\":{\"name\":\"administrator\",\"@id\":\"https:\/\/anvilaw.com\/vi\/#\/schema\/person\/eb3eded70711d9ebee6ffdcf3118521b\"},\"headline\":\"2.982. 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