{"id":10381,"date":"2020-05-20T16:46:00","date_gmt":"2020-05-20T09:46:00","guid":{"rendered":"https:\/\/anvilaw.com\/vi\/?p=10381"},"modified":"2022-03-03T08:37:33","modified_gmt":"2022-03-03T01:37:33","slug":"2-997-lam-gi-de-thuc-day-cho-vay-ca-nhan-hau-covid-19","status":"publish","type":"post","link":"https:\/\/anvilaw.com\/vi\/2-997-lam-gi-de-thuc-day-cho-vay-ca-nhan-hau-covid-19\/","title":{"rendered":"2.997. L\u00e0m g\u00ec \u0111\u1ec3 th\u00fac \u0111\u1ea9y cho vay c\u00e1 nh\u00e2n h\u1eadu Covid-19?"},"content":{"rendered":"

(CFF) – Mu\u1ed1n cho vay c\u00e1 nh\u00e2n nhi\u1ec1u th\u00ec ph\u1ea3i l\u00e0m g\u00ec?<\/strong><\/h4>\n

C\u00e2u h\u1ecfi: C\u00f4ng ty t\u00e0i ch\u00ednh l\u00e0m g\u00ec \u0111\u1ec3 ph\u00e1t tri\u1ec3n cho vay ti\u00eau d\u00f9ng?<\/em><\/strong><\/p>\n

Lu\u1eadt s\u01b0 Tr\u01b0\u01a1ng Thanh \u0110\u1ee9c:\u00a0<\/strong>C\u00f4ng ty t\u00e0i ch\u00ednh mu\u1ed1n cho vay nhi\u1ec1u th\u00ec ph\u1ea3i c\u00f3 th\u1ee7 t\u1ee5c nhanh ch\u00f3ng, \u0111\u01a1n gi\u1ea3n, d\u1ec5 d\u00e0ng. T\u1ee9c ph\u1ea3i c\u00f3 ph\u1ea7n m\u1ec1m, chuy\u00ean gia \u0111\u1ec3 t\u1eadp h\u1ee3p d\u1eef li\u1ec7u, ch\u1ea5m \u0111i\u1ec3m ti\u00eau ch\u00ed kh\u00e1ch h\u00e0ng ph\u00f9 h\u1ee3p, an to\u00e0n nh\u1ea5t, c\u00f2n tuy\u1ec7t \u0111\u1ed1i th\u00ec kh\u00f4ng v\u00ec l\u0129nh v\u1ef1c n\u00e0y c\u00f3 r\u1ee7i ro r\u1ea5t l\u1edbn. C\u00f2n n\u1ebfu ng\u1ed3i ch\u1edd kh\u00e1ch h\u00e0ng t\u00ecm \u0111\u1ebfn nh\u01b0 ng\u00e2n h\u00e0ng th\u00ec kh\u00f3 cho vay \u0111\u01b0\u1ee3c.<\/p>\n

Doanh nghi\u1ec7p c\u0169ng ph\u1ea3i t\u1ea1o ra nhi\u1ec1u s\u1ea3n ph\u1ea9m, ch\u01b0\u01a1ng tr\u00ecnh. \u0110\u1eb7c bi\u1ec7t c\u1ea7n li\u00ean k\u1ebft v\u1edbi c\u00e1c nh\u00e0 cung \u1ee9ng, b\u00e1n h\u00e0ng. Khi vay ti\u00eau d\u00f9ng, kh\u00e1ch h\u00e0ng r\u1ea5t h\u1ea1n ch\u1ebf mang ti\u1ec1n v\u1ec1 r\u1ed3i ti\u00eau pha kh\u00f4ng r\u00f5 r\u00e0ng. Do \u0111\u00f3, c\u1ea7n c\u00f3 s\u1ef1 li\u00ean k\u1ebft v\u1edbi nh\u00e0 ph\u00e2n ph\u1ed1i \u0111\u1ec3 c\u00f3 th\u1ec3 h\u1ed7 tr\u1ee3 nhau qu\u1ea3n l\u00fd.<\/p>\n

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Ngo\u00e0i ra, t\u00f4i \u0111\u1eb7c bi\u1ec7t l\u01b0u \u00fd \u0111\u1ebfn vi\u1ec7c ph\u1ea3i t\u1ea1o ra s\u1ee9c m\u1ea1nh c\u1ea1nh tranh tr\u00ean th\u1ecb tr\u01b0\u1eddng.C\u1ea5n V\u0103n L\u1ef1c:\u00a0<\/strong>Sau Covid-19, c\u00e1c doanh nghi\u1ec7p v\u00e0 c\u00f4ng ty t\u00e0i ch\u00ednh \u0111\u00e3 \u0111\u1ebfn l\u00fac r\u00e0 so\u00e1t l\u1ea1i chi\u1ebfn l\u01b0\u1ee3c kinh doanh c\u1ee7a m\u00ecnh. T\u01b0 duy gi\u1edd \u0111\u00e3 kh\u00e1c r\u1ed3i v\u00ec nhi\u1ec1u xu h\u01b0\u1edbng m\u1edbi, th\u1ecb hi\u1ebfu m\u1edbi xu\u1ea5t hi\u1ec7n v\u00e0 ph\u1ea3i c\u00f3 nh\u1eefng s\u1ea3n ph\u1ea9m m\u1edbi may \u0111o ph\u00f9 h\u1ee3p.<\/p>\n

C\u00e1c CTTC c\u0169ng ph\u1ea3i quan t\u00e2m h\u01a1n \u0111\u1ebfn ph\u00e1t tri\u1ec3n n\u1ec1n t\u1ea3ng c\u00f4ng ngh\u1ec7. Nhi\u1ec1u c\u00f4ng ty hi\u1ec7n v\u1eabn c\u00f2n qu\u1ea3n l\u00fd th\u1ee7 c\u00f4ng, t\u1ed1n k\u00e9m, d\u1eabn \u0111\u1ebfn bu\u1ed9c ph\u1ea3i \u0111\u1ea9y l\u00e3i su\u1ea5t cao l\u00ean.<\/p>\n

C\u00e1c CTTC c\u1ea7n c\u00e2n \u0111\u1ed1i gi\u1eefa r\u1ee7i ro v\u00e0 l\u00e3i su\u1ea5t. Kh\u00f4ng m\u1eb7c \u0111\u1ecbnh t\u00edn d\u1ee5ng ti\u00eau d\u00f9ng th\u00ec l\u00e3i su\u1ea5t ph\u1ea3i cao. N\u1ebfu qu\u1ea3n l\u00fd hi\u1ec7u qu\u1ea3, gi\u1ea3m \u0111\u01b0\u1ee3c c\u00e1c g\u00e1nh n\u1eb7ng trong v\u1eadn h\u00e0nh th\u00ec v\u1eabn \u0111\u01b0a ra \u0111\u01b0\u1ee3c m\u1ee9c l\u00e3i su\u1ea5t h\u1ee3p l\u00fd cho ng\u01b0\u1eddi d\u00e2n, t\u0103ng m\u1ed1i quan h\u1ec7 b\u1ec1n v\u1eefng v\u1edbi ng\u01b0\u1eddi d\u00e2n.<\/p>\n

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Kh\u1ea3 n\u0103ng thu h\u00fat \u0111\u1ea7u t\u01b0 v\u00e0o l\u0129nh v\u1ef1c t\u00e0i ch\u00ednh ti\u00eau d\u00f9ng sau Covid-19 \u1edf Vi\u1ec7t Nam hi\u1ec7n nay c\u00f3 g\u00ec kh\u00e1c so v\u1edbi tr\u01b0\u1edbc?<\/strong><\/p>\n

C\u00e2u h\u1ecfi:\u00a0<\/strong>Kh\u1ea3 n\u0103ng thu h\u00fat \u0111\u1ea7u t\u01b0 v\u00e0o l\u0129nh v\u1ef1c t\u00e0i ch\u00ednh ti\u00eau d\u00f9ng \u1edf Vi\u1ec7t Nam hi\u1ec7n nay c\u00f3 g\u00ec kh\u00e1c so v\u1edbi tr\u01b0\u1edbc?<\/em><\/p>\n

C\u1ea5n V\u0103n L\u1ef1c:\u00a0<\/strong>R\u00f5 r\u00e0ng ch\u00fang ta c\u00f3 r\u1ea5t nhi\u1ec1u ti\u1ec1m n\u0103ng nh\u01b0ng c\u00f2n ph\u1ee5 thu\u1ed9c v\u00e0o quan \u0111i\u1ec3m c\u1ee7a nh\u00e0 n\u01b0\u1edbc v\u1ec1 v\u1ea5n \u0111\u1ec1 n\u00e0y. Khi t\u01b0 v\u1ea5n, ch\u00fang t\u00f4i lu\u00f4n cho r\u1eb1ng Nh\u00e0 n\u01b0\u1edbc n\u00ean c\u1edfi m\u1edf h\u01a1n v\u1edbi c\u00e1c m\u00f4 h\u00ecnh t\u00edn d\u1ee5ng m\u1edbi nh\u01b0ng c\u00f3 ki\u1ec3m so\u00e1t. V\u1edbi kinh t\u1ebf s\u1ed1, c\u00e1c m\u00f4 h\u00ecnh kinh doanh m\u1edbi, bao g\u1ed3m c\u1ea3 t\u00edn d\u1ee5ng s\u1ed1 c\u0169ng ph\u1ea3i nh\u01b0 v\u1eady.<\/p>\n

M\u1ed9t l\u00e0 ch\u00fang ta c\u1ea7n c\u00f3 khung ph\u00e1p l\u00fd \u0111\u1ec3 ki\u1ec3m so\u00e1t ngay t\u1eeb \u0111\u1ea7u. Hai l\u00e0 \u0111\u1ec3 n\u00f3 t\u1ef1 do ph\u00e1t tri\u1ec3n m\u1ed9t th\u1eddi gian sau \u0111\u00f3 s\u1ebd \u0111i\u1ec1u ch\u1ec9nh v\u00e0o khu\u00f4n kh\u1ed5. Hi\u1ec7n nay, Vi\u1ec7t Nam \u0111ang \u00e1p d\u1ee5ng h\u00ecnh th\u1ee9c s\u1ed1 1, cho ho\u1ea1t \u0111\u1ed9ng th\u00ed \u0111i\u1ec3m trong khu\u00f4n kh\u1ed5 khung ph\u00e1p l\u00fd. C\u00e1i \u0111\u00f3 l\u00e0 c\u00e1ch th\u1ee9c ti\u1ebfp c\u1eadn c\u1edfi m\u1edf v\u00e0 ph\u00f9 h\u1ee3p.<\/p>\n

Ch\u00fang ta \u0111ang trong m\u1ed9t xu th\u1ebf quan tr\u1ecdng: Kinh t\u1ebf s\u1ed1, c\u00e1c m\u00f4 h\u00ecnh kinh doanh s\u1ed1 c\u00f3 \u0111\u00e0 ph\u00e1t tri\u1ec3n c\u1ef1c m\u1ea1nh sau \u0111\u1ea1i d\u1ecbch. Ch\u00fang ta kh\u00f4ng th\u1ec3 \u0111i ch\u1ec7ch th\u1eddi \u0111\u1ea1i.<\/p>\n

C\u00e2u h\u1ecfi:<\/em><\/strong>\u00a0<\/em>T\u00edn d\u1ee5ng ti\u00eau d\u00f9ng l\u00e0 con g\u00e0 \u0111\u1ebb tr\u1ee9ng v\u00e0ng?<\/em><\/p>\n

Lu\u1eadt s\u01b0 Tr\u01b0\u01a1ng Thanh \u0110\u1ee9c:\u00a0<\/strong>N\u0103m nay d\u1ecbch b\u1ec7nh th\u00ec kh\u00f3 kh\u0103n, nh\u01b0ng v\u00e0i n\u0103m t\u1edbi th\u00ec v\u1eabn l\u00e0 con g\u00e0 \u0111\u1ebb nhi\u1ec1u tr\u1ee9ng v\u00e0ng, tr\u1ee9ng r\u1ea5t to.<\/p>\n

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C\u01a1 h\u1ed9i n\u00e0o cho T\u00edn d\u1ee5ng ti\u00eau d\u00f9ng ph\u00e1t tri\u1ec3n giai \u0111o\u1ea1n h\u1eadu Covid-19?<\/strong><\/p>\n

C\u00e2u h\u1ecfi:\u00a0<\/em><\/strong>T\u00edn d\u1ee5ng ti\u00eau d\u00f9ng li\u1ec7u c\u00f3 ph\u00e1t tri\u1ec3n giai \u0111o\u1ea1n h\u1eadu Covid-19?<\/em><\/p>\n

C\u1ea5n V\u0103n L\u1ef1c:<\/strong>Vi\u1ec7t Nam ch\u00fang ta c\u00f2n r\u1ea5t nhi\u1ec1u ti\u1ec1m n\u0103ng, \u1edf 4 \u0111i\u1ec1u:<\/p>\n

Ti\u1ec1m n\u0103ng tri\u1ec3n v\u1ecdng v\u1ec1 t\u0103ng tr\u01b0\u1edfng kinh t\u1ebf n\u0103m nay c\u1ee7a Vi\u1ec7t Nam c\u00f2n t\u01b0\u01a1ng \u0111\u1ed1i s\u00e1ng s\u1ee7a so v\u1edbi nhi\u1ec1u n\u01b0\u1edbc. D\u1ef1 \u0111o\u00e1n l\u00e0 4 -5% – l\u00e0 m\u1ee9c cao nh\u1ea5t trong khu v\u1ef1c.<\/p>\n

Quy m\u00f4 c\u1ee7a ti\u00eau d\u00f9ng c\u00e1 nh\u00e2n r\u1ea5t l\u1edbn, t\u01b0\u01a1ng \u0111\u01b0\u01a1ng 80% GDP. Cho vay ti\u00eau d\u00f9ng \u1edf Vi\u1ec7t Nam, c\u1ea3 cho vay mua nh\u00e0 s\u1eeda nh\u00e0, t\u1ed5ng chi\u1ebfm kho\u1ea3ng 19% t\u1ed5ng d\u01b0 n\u1ee3. Nh\u01b0ng n\u1ebfu b\u00f3c t\u00e1ch ra t\u00edn d\u1ee5ng b\u1ea5t \u0111\u1ed9ng s\u1ea3n nh\u00e0 \u1edf th\u00ec cho vay ti\u00eau d\u00f9ng ch\u1ec9 kho\u1ea3ng 12% t\u1ed5ng d\u01b0 n\u1ee3 – \u1edf m\u1ee9c th\u1ea5p so v\u1edbi trung b\u00ecnh, so v\u1edbi Trung Qu\u1ed1c 21%.<\/p>\n

Nhu c\u1ea7u \u0111\u00f3 c\u0169ng kh\u1edbp v\u1edbi nhu c\u1ea7u c\u1ee7a c\u00e1c t\u1ed5 ch\u1ee9c t\u00edn d\u1ee5ng.<\/p>\n

V\u0103n h\u00f3a vay m\u01b0\u1ee3n c\u1ee7a ng\u01b0\u1eddi ti\u00eau d\u00f9ng c\u0169ng thay \u0111\u1ed5i. Ng\u01b0\u1eddi s\u1ebd s\u1eb5n s\u00e0ng \u0111i vay nhi\u1ec1u h\u01a1n.<\/p>\n

C\u00e2u h\u1ecfi:<\/strong>\u00a0C\u01a1 h\u1ed9i ph\u00e1t tri\u1ec3n cho t\u00edn d\u1ee5ng ti\u00eau d\u00f9ng t\u1eeb khung ph\u00e1p l\u00fd?<\/em><\/p>\n

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Lu\u1eadt s\u01b0 Tr\u01b0\u01a1ng Thanh \u0110\u1ee9c:\u00a0<\/strong>V\u1edbi quy \u0111\u1ecbnh hi\u1ec7n nay nh\u01b0 Th\u00f4ng t\u01b0 43 th\u00ec h\u1ee3p l\u00fd nh\u01b0ng c\u00e1c t\u1ed5 ch\u1ee9c t\u00edn d\u1ee5ng v\u1eabn mong mu\u1ed1n \u0111\u01b0\u1ee3c r\u1ed9ng r\u00e3i, x\u00eanh xang h\u01a1n n\u1eefa. Nh\u01b0ng n\u00f3 c\u00f3 2 m\u1eb7t c\u1ee7a v\u1ea5n \u0111\u1ec1, khi th\u1ecb tr\u01b0\u1eddng ph\u00e1t tri\u1ec3n n\u00f3ng, nhu c\u1ea7u ng\u01b0\u1eddi d\u00e2n l\u1edbn m\u00e0 qu\u1ea3n l\u00fd kh\u00f4ng ch\u1eb7t d\u1eabn \u0111\u1ebfn r\u1ee7i ro cho b\u1ea3n th\u00e2n doanh nghi\u1ec7p v\u00e0 c\u1ea3 h\u1ec7 th\u1ed1ng ng\u00e2n h\u00e0ng.<\/p>\n

Hi\u1ec7n nay, s\u1ed1 l\u01b0\u1ee3ng t\u1ed5 ch\u1ee9c cho vay t\u00edn d\u1ee5ng ti\u00eau d\u00f9ng ch\u00ednh ch\u01b0a nhi\u1ec1u, d\u1eabn \u0111\u1ebfn \u00edt c\u1ea1nh tranh. T\u00edn d\u1ee5ng \u0111en l\u00fac n\u00e0y l\u00e0 \u0111i\u1ec1u t\u1ea5t y\u1ebfu v\u00ec kh\u00f4ng \u0111\u00e1p \u1ee9ng \u0111\u01b0\u1ee3c nhu c\u1ea7u th\u1ecb tr\u01b0\u1eddng. C\u1ea7n ph\u1ea3i ph\u00e1t tri\u1ec3n th\u00eam c\u00e1c t\u1ed5 ch\u1ee9c t\u00edn d\u1ee5ng c\u1ea3 v\u1ec1 s\u1ed1 l\u01b0\u1ee3ng v\u00e0 m\u00f4 h\u00ecnh. \u0110\u1ec3 nh\u01b0 th\u1ebf c\u1ea7n ph\u1ea3i khuy\u1ebfn kh\u00edch v\u1ec1 c\u01a1 ch\u1ebf, v\u1ec1 th\u1ecb tr\u01b0\u1eddng \u0111\u1ec3 nhi\u1ec1u ng\u01b0\u1eddi tham gia v\u00e0o. Ch\u1ee9 l\u01b0\u1ee3ng c\u00f2n thi\u1ebfu th\u00ec kh\u00f3 n\u00f3i v\u1ec1 ch\u1ea5t.<\/p>\n

C\u00e1 nh\u00e2n v\u00e0 h\u1ed9 gia \u0111\u00ecnh th\u01b0\u1eddng kh\u00f3 t\u1ef1 ch\u1ee9ng minh \u1ea3nh h\u01b0\u1edfng b\u1edfi Covid-19 v\u00e0 l\u1eadp ph\u01b0\u01a1ng \u00e1n kinh doanh, v\u1eady l\u00e0m th\u1ebf n\u00e0o \u0111\u1ec3 gi\u00fap h\u1ecd c\u00f3 th\u1ec3 ti\u1ebfp c\u1eadn v\u1ed1n?<\/strong><\/p>\n

C\u00e2u h\u1ecfi:\u00a0<\/strong>C\u00e1 nh\u00e2n v\u00e0 h\u1ed9 gia \u0111\u00ecnh th\u01b0\u1eddng kh\u00f3 t\u1ef1 ch\u1ee9ng minh \u1ea3nh h\u01b0\u1edfng b\u1edfi Covid-19 v\u00e0 l\u1eadp ph\u01b0\u01a1ng \u00e1n kinh doanh, v\u1eady l\u00e0m th\u1ebf n\u00e0o \u0111\u1ec3 gi\u00fap h\u1ecd c\u00f3 th\u1ec3 ti\u1ebfp c\u1eadn v\u1ed1n?\u00a0<\/em><\/p>\n

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\u00d4ng Nguy\u1ec5n Qu\u1ed1c H\u00f9ng:\u00a0<\/strong>Th\u00f4ng t\u01b0 01\/2020\/TT-NHNN c\u1ee7a NHNN quy \u0111\u1ecbnh theo h\u01b0\u1edbng r\u1ea5t m\u1edf, trao quy\u1ec1n t\u1ef1 ch\u1ee7 cho c\u00e1c TCTD trong vi\u1ec7c xem x\u00e9t quy\u1ebft \u0111\u1ecbnh th\u1ef1c hi\u1ec7n c\u00e1c gi\u1ea3i ph\u00e1p h\u1ed7 tr\u1ee3 cho c\u00e1c kh\u00e1ch h\u00e0ng (bao g\u1ed3m c\u00e1 nh\u00e2n, h\u1ed9 gia \u0111\u00ecnh) b\u1ecb \u1ea3nh h\u01b0\u1edfng b\u1edfi d\u1ecbch d\u1eabn \u0111\u1ebfn s\u1ee5t gi\u1ea3m doanh thu, thu nh\u1eadp. Quy tr\u00ecnh th\u1ea9m \u0111\u1ecbnh, \u0111\u00e1nh gi\u00e1 kh\u00e1ch h\u00e0ng ph\u1ea3i do c\u00e1c TCTD ban h\u00e0nh theo quy \u0111\u1ecbnh n\u1ed9i b\u1ed9 c\u1ee7a c\u00e1c TCTD v\u00e0 ph\u1ea3i ph\u00f9 h\u1ee3p v\u1edbi t\u1eebng kh\u00e1ch h\u00e0ng, t\u1eebng tr\u01b0\u1eddng h\u1ee3p c\u1ee5 th\u1ec3.<\/p>\n

NHNN \u0111\u00e3 y\u00eau c\u1ea7u c\u00e1c TCTD ph\u1ea3i c\u00f4ng b\u1ed1 c\u00f4ng khai quy tr\u00ecnh th\u1ee7 t\u1ee5c;\u00a0\u0111\u01a1n gi\u1ea3n h\u00f3a quy tr\u00ecnh th\u1ee7 t\u1ee5c n\u1ed9i b\u1ed9, t\u1ea1o thu\u1eadn l\u1ee3i h\u01a1n n\u1eefa cho kh\u00e1ch h\u00e0ng vay v\u1ed1n nh\u01b0ng kh\u00f4ng n\u1edbi l\u1ecfng, h\u1ea1 th\u1ea5p \u0111i\u1ec1u ki\u1ec7n t\u00edn d\u1ee5ng \u0111\u1ec3 \u0111\u1ea3m b\u1ea3o ch\u1ea5t l\u01b0\u1ee3ng t\u00edn d\u1ee5ng, duy tr\u00ec an to\u00e0n ho\u1ea1t \u0111\u1ed9ng ng\u00e2n h\u00e0ng; NHNN chi nh\u00e1nh c\u00e1c t\u1ec9nh, th\u00e0nh ph\u1ed1 c\u0169ng \u0111\u00e3 thi\u1ebft l\u1eadp \u0111\u01b0\u1eddng d\u00e2y n\u00f3ng \u0111\u1ec3 ti\u1ebfp nh\u1eadn, x\u1eed l\u00fd k\u1ecbp th\u1eddi, tri\u1ec7t \u0111\u1ec3 t\u1eebng tr\u01b0\u1eddng h\u1ee3p kh\u00e1ch h\u00e0ng g\u1eb7p v\u01b0\u1edbng m\u1eafc, \u0111\u1ed3ng th\u1eddi x\u1eed l\u00fd nghi\u00eam c\u00e1c tr\u01b0\u1eddng h\u1ee3p thi\u1ebfu tr\u00e1ch nhi\u1ec7m, g\u00e2y kh\u00f3 kh\u0103n, ch\u1eadm tr\u1ec5 h\u1ed7 tr\u1ee3 cho kh\u00e1ch h\u00e0ng.<\/p>\n

N\u1ebfu b\u1ecb h\u1ea1 \u0111i\u1ec3m t\u00edn d\u1ee5ng v\u00e0 kh\u00f3 vay v\u1ed1n ng\u00e2n h\u00e0ng th\u00ec t\u00ecm ki\u1ebfm v\u1ed1n \u1edf \u0111\u00e2u \u0111\u1ec3 r\u1ebb v\u00e0 an to\u00e0n?<\/strong><\/p>\n

C\u00e2u h\u1ecfi:<\/em><\/strong>\u00a0<\/em>Nhi\u1ec1u c\u00e1 nh\u00e2n, doanh nghi\u1ec7p lo b\u1ecb h\u1ea1 \u0111i\u1ec3m t\u00edn d\u1ee5ng s\u1ebd kh\u00f3 ti\u1ebfp c\u1eadn t\u00edn d\u1ee5ng h\u1eadu Covid-19. \u00d4ng ngh\u0129 sao v\u1ec1 \u0111i\u1ec1u n\u00e0y?<\/em><\/p>\n

C\u1ea5n V\u0103n L\u1ef1c:<\/strong>Th\u00f4ng t\u01b0 01 l\u00e0 \u0111\u1ed9t ph\u00e1 trong b\u1ed1i c\u1ea3nh Covid-19, cho ph\u00e9p gi\u00e3n ho\u00e3n n\u1ee3 m\u00e0 kh\u00f4ng chuy\u1ec3n nh\u00f3m. Nhi\u1ec1u kh\u00e1ch h\u00e0ng m\u1eb7c d\u00f9 \u0111\u00e3 qu\u00e1 h\u1ea1n tr\u1ea3 n\u1ee3 nh\u01b0ng kh\u00f4ng b\u1ecb nh\u1ea3y nh\u00f3m. N\u1ebfu ti\u1ebfp t\u1ee5c kh\u00f3 kh\u0103n, TCTD c\u00f3 th\u1ec3 xem x\u00e9t cho ph\u00e9p quay v\u00f2ng ti\u1ebfp.<\/p>\n

T\u00f4i cho r\u1eb1ng, n\u0103m nay, kh\u00f4ng c\u1ea7n lo \u0111\u1ebfn chuy\u1ec7n b\u1ecb chuy\u1ec3n nh\u00f3m, v\u1eabn \u0111\u01b0\u1ee3c ph\u00e9p vay b\u00ecnh th\u01b0\u1eddng.<\/p>\n

Nh\u01b0ng sang n\u0103m 2021, 2022 v\u1eabn kh\u00f4ng v\u01b0\u1ee3t qua \u0111\u01b0\u1ee3c th\u00ec ph\u1ea3i l\u00e0m vi\u1ec7c v\u1edbi ng\u00e2n h\u00e0ng \u0111\u1ec3 chuy\u1ec3n nh\u00f3m n\u1ee3 cho ph\u00f9 h\u1ee3p.<\/p>\n

B\u00e2y gi\u1edd v\u1eabn \u0111\u01b0\u1ee3c vay v\u1ed1n b\u00ecnh th\u01b0\u1eddng, nh\u01b0ng nh\u01b0 t\u00f4i \u0111\u00e3 n\u00f3i \u0111\u1eebng qu\u00e1 ch\u00fa tr\u1ecdng v\u00ec v\u1ed1n r\u1ebb n\u00ean \u0111i vay, quan tr\u1ecdng h\u01a1n l\u00e0 vay v\u1ec1 \u0111\u1ec3 l\u00e0m g\u00ec, ph\u1ea3i c\u00f3 m\u1ee5c \u0111\u00edch, ph\u01b0\u01a1ng \u00e1n \u0111i vay c\u1ef1c k\u1ef3 r\u00f5 r\u00e0ng. Khi vay r\u1ed3i th\u00ec kh\u1ea3 n\u0103ng c\u00e2n \u0111\u1ed1i, tr\u1ea3 n\u1ee3 nh\u01b0 th\u1ebf n\u00e0o.<\/p>\n

C\u00e1c DN hay c\u00e1 nh\u00e2n ph\u1ea3i th\u1ef1c hi\u1ec7n \u0111\u00fang cam k\u1ebft h\u1ee3p \u0111\u1ed3ng t\u00edn d\u1ee5ng, b\u1edfi n\u1ebfu vi ph\u1ea1m th\u00ec sau n\u00e0y r\u1ea5t d\u1ec5 b\u1ecb h\u1ea1 t\u00edn nhi\u1ec7m, ti\u1ebfp c\u1eadn t\u00edn d\u1ee5ng s\u1ebd kh\u00f3 kh\u0103n h\u01a1n.<\/p>\n

B\u1eaft bu\u1ed9c mua b\u1ea3o hi\u1ec3m khi vay v\u1ed1n c\u00f3 \u0111\u00fang quy \u0111\u1ecbnh?<\/strong><\/p>\n

C\u00e2u h\u1ecfi:\u00a0<\/strong>Nhi\u1ec1u ng\u00e2n h\u00e0ng, c\u00f4ng ty t\u00e0i ch\u00ednh y\u00eau c\u1ea7u ng\u01b0\u1eddi vay v\u1ed1n mua b\u1ea3o hi\u1ec3m t\u00edn d\u1ee5ng, \u0111i\u1ec1u n\u00e0y c\u00f3 \u0111\u00fang quy \u0111\u1ecbnh?<\/em><\/p>\n

Lu\u1eadt s\u01b0 Tr\u01b0\u01a1ng Thanh \u0110\u1ee9c:\u00a0<\/strong>Ph\u00e1p lu\u1eadt kh\u00f4ng quy \u0111\u1ecbnh c\u1ee5 th\u1ec3 v\u1ec1 vi\u1ec7c ph\u1ea3i hay kh\u00f4ng ph\u1ea3i mua b\u1ea3o hi\u1ec3m t\u00edn d\u1ee5ng m\u00e0 l\u00e0 theo tho\u1ea3 thu\u1eadn gi\u1eefa t\u1ed5 ch\u1ee9c t\u00edn d\u1ee5ng v\u1edbi kh\u00e1ch h\u00e0ng vay v\u1ed1n.<\/p>\n

Vi\u1ec7c mua b\u1ea3o hi\u1ec3m t\u00edn d\u1ee5ng l\u00e0 c\u1ea7n thi\u1ebft \u0111\u1ed1i v\u1edbi c\u00e1c s\u1ea3n ph\u1ea9m t\u00edn d\u1ee5ng c\u00f3 m\u1ee9c \u0111\u1ed9 r\u1ee7i ro cao \u0111\u1ec3 b\u1ea3o \u0111\u1ea3m s\u1ef1 an to\u00e0n cho ho\u1ea1t \u0111\u1ed9ng c\u1ee7a c\u00e1c t\u1ed5 ch\u1ee9c t\u00edn d\u1ee5ng. Tuy nhi\u00ean vi\u1ec7c n\u00e0y c\u0169ng l\u00e0m t\u0103ng \u0111\u00e1ng k\u1ec3 chi ph\u00ed vay v\u1ed1n c\u1ee7a kh\u00e1ch h\u00e0ng.<\/p>\n

Quy \u0111\u1ecbnh v\u1ec1 b\u1ea3o v\u1ec7 ng\u01b0\u1eddi cho vay v\u00e0 ng\u01b0\u1eddi \u0111i vay hi\u1ec7n nay ra sao?<\/strong><\/p>\n

C\u00e2u h\u1ecfi:\u00a0<\/em><\/strong>\u00d4ng \u0111\u00e1nh gi\u00e1 bi\u1ec7n ph\u00e1p b\u1ea3o v\u1ec7 ng\u01b0\u1eddi cho vay \u0111ang nh\u01b0 th\u1ebf n\u00e0o?<\/em><\/p>\n

Lu\u1eadt s\u01b0 Tr\u01b0\u01a1ng Thanh \u0110\u1ee9c:\u00a0<\/strong>T\u00f4i th\u1ea5y c\u0169ng ph\u1ea3i nh\u00ecn l\u1ea1i c\u00e1c c\u01a1 ch\u1ebf ch\u00ednh s\u00e1ch, lu\u1eadt li\u00ean quan \u0111\u1ebfn vi\u1ec7c thu h\u1ed3i n\u1ee3 ch\u01b0a r\u00f5 r\u00e0ng, d\u1eabn \u0111\u1ebfn l\u00e0m \u0111\u00fang l\u00fd thuy\u1ebft l\u00e0 b\u1ebf t\u1eafc. Vay ti\u00eau d\u00f9ng kh\u00f4ng c\u00f3 t\u00e0i s\u1ea3n \u0111\u1ea3m b\u1ea3o n\u00ean kh\u00f4ng c\u00f3 s\u1ee9c \u00e9p \u0111\u1ec3 ng\u01b0\u1eddi vay tr\u1ea3 n\u1ee3. Do \u0111\u00f3, c\u1ea7n c\u00f3 s\u1ef1 h\u1ed7 tr\u1ee3 c\u1ee7a c\u01a1 quan ch\u1ee9c n\u0103ng, v\u00ed d\u1ee5 nh\u01b0 qu\u1ea3n l\u00fd ti\u1ec1n l\u01b0\u01a1ng, ti\u1ec1n ra v\u00e0o t\u00e0i kho\u1ea3n m\u1edbi c\u00f3 hi v\u1ecdng.<\/p>\n

Lu\u1eadt c\u0169ng c\u00f3 \u0111i\u1ec1u kho\u1ea3n “r\u1eafn” nh\u01b0 vay t\u1eeb 2 tri\u1ec7u \u0111\u1ed3ng tr\u1edf l\u00ean nh\u01b0ng kh\u00f4ng tr\u1ea3 n\u1ee3, ho\u1eb7c vay \u0111\u1ec3 ti\u00eau pha b\u1ea5t h\u1ee3p l\u00fd (v\u00ed d\u1ee5 \u0111\u00e1nh b\u1ea1c) c\u00f3 th\u1ec3 b\u1ecb kh\u1edfi t\u1ed1, truy t\u1ed1. Nh\u01b0ng th\u1ef1c t\u1ebf kh\u00f4ng x\u1ea3y ra. C\u00f2n n\u1ebfu \u0111\u00f2i n\u1ee3 ki\u1ec3u \u0111\u01b0\u1eddng \u0111\u01b0\u1eddng ch\u00ednh ch\u00ednh nh\u1eafc nh\u1edf r\u1ed3i ki\u1ec7n ra to\u00e0 th\u00ec m\u1ea5t th\u1eddi gian, t\u1ed1n k\u00e9m, hi\u1ec7u qu\u1ea3 kh\u00f4ng cao. V\u1eady n\u00ean d\u01b0\u1edbi s\u1ee9c \u00e9p n\u1ee3 x\u1ea5u, tr\u00e1ch nhi\u1ec7m b\u1ea3o to\u00e0n v\u1ed1n, s\u1ebd t\u1ea1o ra nh\u1eefng c\u00e1ch thu h\u1ed3i n\u1ee3 nh\u01b0 \u0111\u00e3 th\u1ea5y.<\/p>\n

C\u00e2u h\u1ecfi:\u00a0<\/em><\/strong>C\u00f3 c\u01a1 quan n\u00e0o b\u1ea3o v\u1ec7 ng\u01b0\u1eddi d\u00e2n trong ho\u1ea1t \u0111\u1ed9ng vay v\u1ed1n?<\/em><\/p>\n

Lu\u1eadt s\u01b0 Tr\u01b0\u01a1ng Thanh \u0110\u1ee9c:\u00a0<\/strong>Kh\u00f4ng c\u00f3 c\u01a1 quan c\u1ee5 th\u1ec3, chuy\u00ean tr\u00e1ch b\u1ea3o v\u1ec7 tr\u1ef1c ti\u1ebfp, m\u00e0 ch\u1ec9 c\u00f3 c\u00e1c c\u01a1 quan li\u00ean quan \u0111\u1ebfn vi\u1ec7c qu\u1ea3n l\u00fd ho\u1ea1t \u0111\u1ed9ng, \u0111\u1ed3ng th\u1eddi tham gia b\u1ea3o v\u1ec7 quy\u1ec1n l\u1ee3i c\u1ee7a ng\u01b0\u1eddi ti\u00eau d\u00f9ng nh\u01b0 C\u1ee5c qu\u00e1n l\u00fd c\u1ea1nh tranh thu\u1ed9c B\u1ed9 C\u00f4ng th\u01b0\u01a1ng, C\u01a1 quan thanh tra, gi\u00e1m s\u00e1t ng\u00e2n h\u00e0ng thu\u1ed9c Ng\u00e2n h\u00e0ng Nh\u00e0 n\u01b0\u1edbc hay l\u00e0 c\u01a1 quan c\u00f4ng an, v\u1edbi vai tr\u00f2 b\u1ea3o v\u1ec7 tr\u1eadt t\u1ef1, tr\u1ecb an x\u00e3 h\u1ed9i; c\u00e1c c\u01a1 quan \u0111i\u1ec1u tra, truy t\u1ed1, x\u00e9t x\u1eed c\u00e1c tranh ch\u1ea5p v\u00e0 vi ph\u1ea1m ph\u00e1p lu\u1eadt.<\/p>\n

Chia s\u1ebb<\/p>\n

Nh\u1eefng nhu c\u1ea7u vay v\u1ed1n n\u00e0o c\u1ee7a ng\u01b0\u1eddi d\u00e2n \u0111\u01b0\u1ee3c \u01b0u ti\u00ean gi\u1ea3m l\u00e3i su\u1ea5t?<\/strong><\/p>\n

C\u00e2u h\u1ecfi:<\/strong>\u00a0–\u00a0Nh\u1eefng ch\u00ednh s\u00e1ch, gi\u1ea3i ph\u00e1p c\u1ee7a ng\u00e0nh Ng\u00e2n h\u00e0ng nh\u1eb1m t\u1ea1o \u0111i\u1ec1u ki\u1ec7n cho ng\u01b0\u1eddi d\u00e2n, doanh nghi\u1ec7p ti\u1ebfp c\u1eadn v\u1ed1n ng\u00e2n h\u00e0ng, v\u01b0\u1ee3t qua kh\u00f3 kh\u0103n do \u1ea3nh h\u01b0\u1edfng c\u1ee7a d\u1ecbch Covid-19?<\/em><\/p>\n

\u00d4ng Nguy\u1ec5n Qu\u1ed1c H\u00f9ng<\/strong>: Theo quy \u0111\u1ecbnh t\u1ea1i Th\u00f4ng t\u01b0 s\u1ed1 39\/2016\/TT-NHNN ng\u00e0y 30\/12\/2016 c\u1ee7a Th\u1ed1ng \u0111\u1ed1c NHNN, TCTD v\u00e0 kh\u00e1ch h\u00e0ng th\u1ecfa thu\u1eadn v\u1ec1 l\u00e3i su\u1ea5t cho vay theo cung – c\u1ea7u v\u1ed1n th\u1ecb tr\u01b0\u1eddng, nhu c\u1ea7u vay v\u1ed1n v\u00e0 m\u1ee9c \u0111\u1ed9 t\u00edn nhi\u1ec7m c\u1ee7a kh\u00e1ch h\u00e0ng. Tr\u01b0\u1eddng h\u1ee3p kh\u00e1ch h\u00e0ng vay v\u1ed1n thu\u1ed9c c\u00e1c l\u0129nh v\u1ef1c \u01b0u ti\u00ean theo ch\u1ee7 tr\u01b0\u01a1ng c\u1ee7a Ch\u00ednh ph\u1ee7 (n\u00f4ng nghi\u1ec7p, n\u00f4ng th\u00f4n, xu\u1ea5t kh\u1ea9u, doanh nghi\u1ec7p nh\u1ecf v\u00e0 v\u1eeba, c\u00f4ng nghi\u1ec7p h\u1ed7 tr\u1ee3, doanh nghi\u1ec7p \u1ee9ng d\u1ee5ng c\u00f4ng ngh\u1ec7 cao), \u0111\u00e1p \u1ee9ng \u0111\u1ee7 \u0111i\u1ec1u ki\u1ec7n vay v\u1ed1n theo quy \u0111\u1ecbnh v\u00e0 \u0111\u01b0\u1ee3c TCTD \u0111\u00e1nh gi\u00e1 l\u00e0 c\u00f3 t\u00ecnh h\u00ecnh t\u00e0i ch\u00ednh minh b\u1ea1ch, l\u00e0nh m\u1ea1nh th\u00ec TCTD v\u00e0 kh\u00e1ch h\u00e0ng th\u1ecfa thu\u1eadn v\u1ec1 m\u1ee9c l\u00e3i su\u1ea5t cho vay ng\u1eafn h\u1ea1n b\u1eb1ng \u0111\u1ed3ng Vi\u1ec7t Nam nh\u01b0ng kh\u00f4ng v\u01b0\u1ee3t qu\u00e1 m\u1ee9c l\u00e3i su\u1ea5t cho vay ng\u1eafn h\u1ea1n t\u1ed1i \u0111a b\u1eb1ng \u0111\u1ed3ng Vi\u1ec7t Nam \u0111\u01b0\u1ee3c NHNN quy \u0111\u1ecbnh trong t\u1eebng th\u1eddi k\u1ef3 (hi\u1ec7n nay \u1edf m\u1ee9c 5% theo quy \u0111\u1ecbnh t\u1ea1i Quy\u1ebft \u0111\u1ecbnh s\u1ed1 920\/Q\u0110-NHNN ng\u00e0y 12\/5\/2020).<\/p>\n

C\u00e2u h\u1ecfi:\u00a0<\/em><\/strong>Ng\u00e2n h\u00e0ng Nh\u00e0 n\u01b0\u1edbc \u0111\u00e3 t\u1ea1o \u0111i\u1ec1u ki\u1ec7n g\u00ec \u0111\u1ec3 gi\u00fap ng\u01b0\u1eddi d\u00e2n v\u00e0 doanh nghi\u1ec7p v\u01b0\u1ee3t kh\u00f3. Nh\u1eefng nhu c\u1ea7u vay v\u1ed1n n\u00e0o c\u1ee7a ng\u01b0\u1eddi d\u00e2n \u0111\u01b0\u1ee3c \u01b0u ti\u00ean gi\u1ea3m l\u00e3i su\u1ea5t?<\/em><\/p>\n

Nh\u1eb1m t\u1ea1o \u0111i\u1ec1u ki\u1ec7n cho ng\u01b0\u1eddi d\u00e2n, doanh nghi\u1ec7p ti\u1ebfp c\u1eadn v\u1ed1n ng\u00e2n h\u00e0ng, v\u01b0\u1ee3t qua kh\u00f3 kh\u0103n do \u1ea3nh h\u01b0\u1edfng c\u1ee7a d\u1ecbch Covid-19, NHNN \u0111\u00e3 ch\u1ee7 \u0111\u1ed9ng tri\u1ec3n khai nhi\u1ec1u gi\u1ea3i ph\u00e1p \u0111\u1ec3 c\u1ee5 th\u1ec3 h\u00f3a ch\u1ec9 th\u1ecb, ngh\u1ecb quy\u1ebft c\u1ee7a Ch\u00ednh ph\u1ee7, Th\u1ee7 t\u01b0\u1edbng Ch\u00ednh ph\u1ee7 nh\u01b0:<\/p>\n

Ban h\u00e0nh c\u00e1c v\u0103n b\u1ea3n v\u00e0 t\u1ed5 ch\u1ee9c l\u00e0m vi\u1ec7c tr\u1ef1c ti\u1ebfp v\u1edbi c\u00e1c TCTD, y\u00eau c\u1ea7u TCTD r\u00e0 so\u00e1t, \u0111\u00e1nh gi\u00e1 m\u1ee9c \u0111\u1ed9 \u1ea3nh h\u01b0\u1edfng c\u1ee7a d\u1ecbch \u0111\u1ed1i v\u1edbi kh\u00e1ch h\u00e0ng \u0111\u1ec3 x\u00e2y d\u1ef1ng ch\u01b0\u01a1ng tr\u00ecnh, k\u1ecbch b\u1ea3n h\u00e0nh \u0111\u1ed9ng c\u1ee7a ng\u00e2n h\u00e0ng nh\u1eb1m th\u00e1o g\u1ee1 kh\u00f3 kh\u0103n cho kh\u00e1ch h\u00e0ng;<\/p>\n

Ch\u1ee7 \u0111\u1ed9ng ban h\u00e0nh Th\u00f4ng t\u01b0 s\u1ed1 01\/2020\/TT-NHNN c\u00f3 hi\u1ec7u l\u1ef1c t\u1eeb ng\u00e0y 13\/3\/2020 t\u1ea1o khu\u00f4n kh\u1ed5 ph\u00e1p l\u00fd \u0111\u1ec3 c\u00e1c TCTD c\u01a1 c\u1ea5u l\u1ea1i th\u1eddi h\u1ea1n tr\u1ea3 n\u1ee3, xem x\u00e9t mi\u1ec5n, gi\u1ea3m l\u00e3i, gi\u1eef nguy\u00ean nh\u00f3m n\u1ee3, h\u1ed7 tr\u1ee3 cho c\u00e1c kh\u00e1ch h\u00e0ng vay v\u1ed1n b\u1ecb \u1ea3nh h\u01b0\u1edfng b\u1edfi d\u1ecbch Covid-19 \u1edf t\u1ea5t c\u1ea3 c\u00e1c l\u0129nh v\u1ef1c, ng\u00e0nh ngh\u1ec1. Ri\u00eang \u0111\u1ed1i v\u1edbi v\u1edbi c\u00e1c \u0111\u1ed1i t\u01b0\u1ee3ng ch\u00ednh s\u00e1ch s\u00e1ch, ng\u01b0\u1eddi ngh\u00e8o, ng\u01b0\u1eddi y\u1ebfu th\u1ebf trong x\u00e3 h\u1ed9i, NHCSXH c\u0169ng tri\u1ec3n khai c\u00e1c gi\u1ea3i ph\u00e1p c\u01a1 c\u1ea5u l\u1ea1i th\u1eddi h\u1ea1n tr\u1ea3 n\u1ee3, mi\u1ec5n, gi\u1ea3m l\u00e3i vay,… nh\u1eb1m h\u1ed7 tr\u1ee3 kh\u00e1ch h\u00e0ng v\u01b0\u1ee3t qua kh\u00f3 kh\u0103n trong th\u1eddi k\u1ef3 d\u1ecbch b\u1ec7nh.<\/p>\n

Ban h\u00e0nh Ch\u1ec9 th\u1ecb 02\/CT-NHNN ng\u00e0y 31\/3\/2020, ch\u1ec9 \u0111\u1ea1o c\u00e1c TCTD nghi\u00eam t\u00fac tri\u1ec3n khai c\u00e1c gi\u1ea3i ph\u00e1p c\u1ea5p b\u00e1ch c\u1ee7a ng\u00e0nh ng\u00e2n h\u00e0ng \u0111\u1ec3 t\u0103ng c\u01b0\u1eddng ph\u00f2ng, ch\u1ed1ng v\u00e0 kh\u1eafc ph\u1ee5c kh\u00f3 kh\u0103n do t\u00e1c \u0111\u1ed9ng c\u1ee7a d\u1ecbch b\u1ec7nh, trong \u0111\u00f3 y\u00eau c\u1ea7u c\u00e1c TCTD \u0111\u1ea9y m\u1ea1nh th\u1ef1c hi\u1ec7n c\u00f3 k\u1ebft qu\u1ea3 c\u00e1c gi\u1ea3i ph\u00e1p c\u01a1 c\u1ea5u l\u1ea1i th\u1eddi h\u1ea1n tr\u1ea3 n\u1ee3, mi\u1ec5n, gi\u1ea3m l\u00e3i vay; \u0111i\u1ec1u ch\u1ec9nh k\u1ebf ho\u1ea1ch kinh doanh ph\u00f9 h\u1ee3p \u0111\u1ec3 d\u00e0nh ngu\u1ed3n l\u1ef1c chia s\u1ebb kh\u00f3 kh\u0103n, h\u1ed7 tr\u1ee3, gi\u1ea3m l\u00e3i su\u1ea5t cho vay \u0111\u1ed1i v\u1edbi kh\u00e1ch h\u00e0ng,…;<\/p>\n

Y\u00eau c\u1ea7u c\u00e1c TCTD ph\u1ea3i c\u00f4ng khai minh b\u1ea1ch c\u00e1c th\u1ee7 t\u1ee5c, \u0111i\u1ec1u ki\u1ec7n \u0111\u1ed1i v\u1edbi kh\u00e1ch h\u00e0ng; ch\u1ee7 \u0111\u1ed9ng c\u00e2n \u0111\u1ed1i s\u1eb5n s\u00e0ng ngu\u1ed3n v\u1ed1n \u0111\u1ec3 \u0111\u1ea7u t\u01b0 cho nh\u1eefng ph\u01b0\u01a1ng \u00e1n, d\u1ef1 \u00e1n kh\u1ea3 thi, coi cho vay m\u1edbi h\u1ed7 tr\u1ee3 ph\u1ee5c h\u1ed3i sau d\u1ecbch l\u00e0 y\u1ebfu t\u1ed1 then ch\u1ed1t th\u00fac \u0111\u1ea9y t\u0103ng tr\u01b0\u1edfng. \u0110\u1ed3ng th\u1eddi, c\u00e1c TCTD \u0111\u01a1n gi\u1ea3n h\u00f3a quy tr\u00ecnh th\u1ee7 t\u1ee5c n\u1ed9i b\u1ed9, t\u1ea1o thu\u1eadn l\u1ee3i h\u01a1n n\u1eefa cho kh\u00e1ch h\u00e0ng vay v\u1ed1n nh\u01b0ng kh\u00f4ng n\u1edbi l\u1ecfng, h\u1ea1 th\u1ea5p \u0111i\u1ec1u ki\u1ec7n t\u00edn d\u1ee5ng \u0111\u1ec3 \u0111\u1ea3m b\u1ea3o ch\u1ea5t l\u01b0\u1ee3ng t\u00edn d\u1ee5ng, duy tr\u00ec t\u00ednh l\u00e0nh m\u1ea1nh, an to\u00e0n c\u1ee7a ho\u1ea1t \u0111\u1ed9ng ng\u00e2n h\u00e0ng trong nh\u1eefng n\u0103m t\u1edbi;<\/p>\n

NHNN Chi nh\u00e1nh c\u00e1c t\u1ec9nh, th\u00e0nh ph\u1ed1 thi\u1ebft l\u1eadp ngay \u0111\u01b0\u1eddng d\u00e2y n\u00f3ng \u0111\u1ec3 ti\u1ebfp nh\u1eadn, x\u1eed l\u00fd k\u1ecbp th\u1eddi, tri\u1ec7t \u0111\u1ec3 t\u1eebng tr\u01b0\u1eddng h\u1ee3p doanh nghi\u1ec7p g\u1eb7p v\u01b0\u1edbng m\u1eafc, \u0111\u1ed3ng th\u1eddi x\u1eed l\u00fd nghi\u00eam c\u00e1c tr\u01b0\u1eddng h\u1ee3p thi\u1ebfu tr\u00e1ch nhi\u1ec7m, g\u00e2y kh\u00f3 kh\u0103n, ch\u1eadm tr\u1ec5 h\u1ed7 tr\u1ee3 cho doanh nghi\u1ec7p, ng\u01b0\u1eddi d\u00e2n.<\/p>\n

V\u1ec1 l\u00e3i su\u1ea5t: Ti\u1ebfp theo 2 \u0111\u1ee3t \u0111i\u1ec1u ch\u1ec9nh gi\u1ea3m m\u1eb7t b\u1eb1ng l\u00e3i su\u1ea5t t\u1eeb cu\u1ed1i n\u0103m 2019, t\u1eeb \u0111\u1ea7u n\u0103m 2020 \u0111\u1ebfn nay NHNN \u0111i\u1ec1u ch\u1ec9nh gi\u1ea3m li\u00ean ti\u1ebfp 02 l\u1ea7n c\u00e1c m\u1ee9c l\u00e3i su\u1ea5t nh\u1eb1m \u1ed5n \u0111\u1ecbnh v\u00e0 gi\u1ea3m l\u00e3i su\u1ea5t cho vay, h\u1ed7 tr\u1ee3 doanh nghi\u1ec7p, ng\u01b0\u1eddi d\u00e2n kh\u1eafc ph\u1ee5c kh\u00f3 kh\u0103n, ph\u1ee5c h\u1ed3i s\u1ea3n xu\u1ea5t.<\/p>\n

NHNN c\u0169ng ch\u1ee7 \u0111\u1ed9ng \u0111\u1ec1 xu\u1ea5t Ch\u00ednh ph\u1ee7 cho vay t\u00e1i c\u1ea5p v\u1ed1n s\u1ed1 ti\u1ec1n kho\u1ea3ng 16.000 t\u1ef7 \u0111\u1ed3ng t\u1eeb NHNN \u0111\u1ec3 NHCSXH cho ng\u01b0\u1eddi s\u1eed d\u1ee5ng lao \u0111\u1ed9ng g\u1eb7p kh\u00f3 kh\u0103n v\u1ec1 t\u00e0i ch\u00ednh vay \u0111\u1ec3 tr\u1ea3 l\u01b0\u01a1ng cho ng\u01b0\u1eddi lao \u0111\u1ed9ng b\u1ecb ng\u1eebng vi\u1ec7c do \u1ea3nh h\u01b0\u1edfng c\u1ee7a d\u1ecbch b\u1ec7nh v\u1edbi l\u00e3i su\u1ea5t 0% v\u00e0 \u0111\u00e3 ban h\u00e0nh Th\u00f4ng t\u01b0 s\u1ed1 05\/2020\/TT-NHNN ng\u00e0y 07\/5\/2020 h\u01b0\u1edbng d\u1eabn tri\u1ec3n khai theo \u0111\u00fang tinh th\u1ea7n Ngh\u1ecb quy\u1ebft 42\/NQ-CP ng\u00e0y 09\/4\/2020 v\u00e0 Quy\u1ebft \u0111\u1ecbnh 15\/2020\/Q\u0110-TTg ng\u00e0y 24\/4\/2020.<\/p>\n

B\u00ean c\u1ea1nh \u0111\u00f3, NHNN c\u0169ng tri\u1ec3n khai nhi\u1ec1u gi\u1ea3i ph\u00e1p, ch\u00ednh s\u00e1ch h\u1ed7 tr\u1ee3 doanh nghi\u1ec7p v\u1ec1 thanh to\u00e1n kh\u00f4ng d\u00f9ng ti\u1ec1n m\u1eb7t, mi\u1ec5n gi\u1ea3m, ph\u00ed giao d\u1ecbch thanh to\u00e1n v\u00e0 ph\u00e1t tri\u1ec3n c\u00f4ng ngh\u1ec7, d\u1ecbch v\u1ee5 ng\u00e2n h\u00e0ng:<\/p>\n

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L\u00e0m th\u1ebf n\u00e0o \u0111\u1ec3 k\u00edch c\u1ea7u cho vay ti\u00eau d\u00f9ng khi h\u1eadu Covid-19, thu nh\u1eadp ng\u01b0\u1eddi d\u00e2n b\u1ecb gi\u1ea3m s\u00fat?<\/strong><\/p>\n

C\u00e2u h\u1ecfi:<\/strong>\u00a0L\u00e0m th\u1ebf n\u00e0o \u0111\u1ec3 k\u00edch c\u1ea7u cho vay ti\u00eau d\u00f9ng khi h\u1eadu Covid-19, thu nh\u1eadp ng\u01b0\u1eddi d\u00e2n b\u1ecb gi\u1ea3m s\u00fat?<\/em><\/p>\n

C\u1ea5n V\u0103n L\u1ef1c:<\/strong>Quan h\u1ec7 t\u00edn d\u1ee5ng l\u00e0 quan h\u1ec7 th\u1ecb tr\u01b0\u1eddng, cung c\u1ea7u. Ng\u01b0\u1eddi ta y\u1ebfu qu\u00e1, c\u0169ng kh\u00f3 k\u00edch ng\u01b0\u1eddi ta \u0111i vay.<\/p>\n

\u0110\u1ed1i v\u1edbi Vi\u1ec7t Nam, \u0111i\u1ec1u quan tr\u1ecdng s\u1ed1 1 l\u00e0 ki\u1ec3m so\u00e1t t\u1ed1t d\u1ecbch b\u1ec7nh, t\u1eeb \u0111\u00f3 kh\u00f4i ph\u1ee5c d\u1ea7n c\u00e1c ho\u1ea1t \u0111\u1ed9ng x\u00e3 h\u1ed9i v\u00e0 nhu c\u1ea7u vay v\u1ed1n s\u1ebd t\u1ef1 b\u1eadt t\u0103ng l\u00ean. N\u1ebfu d\u1ecbch b\u1ec7nh nh\u01b0 th\u00e1ng 4 v\u1eeba qua th\u00ec qu\u1ea3 th\u1eadt kh\u00f4ng ai mu\u1ed1n l\u00e0m g\u00ec, kh\u00f4ng ai mu\u1ed1n \u0111i vay, c\u0169ng kh\u00f4ng mu\u1ed1n tr\u1ea3 n\u1ee3.<\/p>\n

Ngo\u00e0i vi\u1ec7c gi\u1ea3m l\u00e3i su\u1ea5t, gi\u1ea3m ph\u00ed, c\u00e1c TCTD c\u0169ng c\u1ea7n ti\u1ebfp t\u1ee5c \u0111\u01a1n gi\u1ea3n ho\u00e1 th\u1ee7 t\u1ee5c, gi\u1ea3i quy\u1ebft nhanh h\u01a1n, g\u1ecdn h\u01a1n, \u1ee9ng d\u1ee5ng c\u00f4ng ngh\u1ec7 th\u00f4ng tin \u0111\u1ec3 x\u1eed l\u00fd c\u00f4ng vi\u1ec7c nhanh h\u01a1n. Ng\u00e2n h\u00e0ng s\u1ed1 \u0111ang ph\u00e1t tri\u1ec3n nhanh th\u1eddi gian qua v\u00e0 c\u1ea7n ph\u00e1t huy, t\u1eadn d\u1ee5ng.<\/p>\n

Ch\u00ednh ph\u1ee7 c\u0169ng c\u1ea7n ti\u1ebfp t\u1ee5c c\u00e1c bi\u1ec7n ph\u00e1p k\u00edch c\u1ea7u, g\u00f3i 62.000 t\u1ef7 c\u0169ng l\u00e0 k\u00edch c\u1ea7u, khi trao cho m\u1ed7i gia \u0111\u00ecnh 1-1,8 tri\u1ec7u \u0111\u1ed3ng, t\u1eeb \u0111\u00f3 s\u1ebd k\u00edch c\u1ea7u ti\u00eau d\u00f9ng.<\/p>\n

B\u00ean c\u1ea1nh \u0111\u00f3, c\u0169ng c\u1ea7n c\u00f3 thi\u1ec7n ch\u00ed h\u1ee3p t\u00e1c t\u1eeb ph\u00eda \u0111i vay th\u00ec c\u00e1c TCTD m\u1edbi cho vay \u0111\u01b0\u1ee3c. Ng\u01b0\u1eddi d\u00e2n \u0111i vay ph\u1ea3i bi\u1ebft vay \u0111\u1ec3 l\u00e0m g\u00ec, kh\u1ea3 n\u0103ng c\u00e2n \u0111\u1ed1i tr\u1ea3 n\u1ee3 nh\u01b0 th\u1ebf n\u00e0o? C\u00e1 nh\u00e2n \u0111i vay kh\u00f4ng n\u00ean \u0111i vay qu\u00e1 50% thu nh\u1eadp c\u1ee7a m\u00ecnh, s\u1ebd d\u1eabn \u0111\u1ebfn qu\u00e1 t\u1ea3i khi tr\u1ea3 n\u1ee3.<\/p>\n

B\u00ean c\u1ea1nh \u0111\u00f3, ch\u00fang ta s\u1ebd th\u00fac \u0111\u1ea9y gi\u00e1o d\u1ee5c t\u00e0i ch\u00ednh, khi ng\u01b0\u1eddi d\u00e2n hi\u1ec3u bi\u1ebft h\u01a1n th\u00ec s\u1ebd \u0111\u1ebfn vay t\u00edn d\u1ee5ng tr\u1ef1c ti\u1ebfp nhi\u1ec1u h\u01a1n t\u00edn d\u1ee5ng \u0111en.<\/p>\n

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Covid-19 li\u1ec7u s\u1ebd t\u00e1c \u0111\u1ed9ng th\u1ebf n\u00e0o \u0111\u1ebfn kh\u1ea3 n\u0103ng h\u1ea5p th\u1ee5 v\u1ed1n c\u1ee7a ng\u01b0\u1eddi d\u00e2n v\u00e0 doanh nghi\u1ec7p trong t\u01b0\u01a1ng lai?<\/strong><\/p>\n

C\u00e2u h\u1ecfi:\u00a0<\/em><\/strong>Covid-19 li\u1ec7u s\u1ebd t\u00e1c \u0111\u1ed9ng th\u1ebf n\u00e0o \u0111\u1ebfn kh\u1ea3 n\u0103ng h\u1ea5p th\u1ee5 v\u1ed1n c\u1ee7a ng\u01b0\u1eddi d\u00e2n v\u00e0 doanh nghi\u1ec7p trong t\u01b0\u01a1ng lai?<\/em><\/p>\n

\u00d4ng Nguy\u1ec5n Qu\u1ed1c H\u00f9ng:\u00a0<\/strong>D\u1ecbch Covid-19 \u0111\u00e3 \u1ea3nh h\u01b0\u1edfng ti\u00eau c\u1ef1c l\u00ean m\u1ecdi m\u1eb7t \u0111\u1eddi s\u1ed1ng kinh t\u1ebf-x\u00e3 h\u1ed9i c\u1ee7a ng\u01b0\u1eddi d\u00e2n, t\u00e1c \u0111\u1ed9ng \u0111\u1ebfn t\u1ea5t c\u1ea3 c\u00e1c ng\u00e0nh ngh\u1ec1, l\u0129nh v\u1ef1c s\u1ea3n xu\u1ea5t kinh doanh. \u0110\u1ed1i v\u1edbi ho\u1ea1t \u0111\u1ed9ng ng\u00e2n h\u00e0ng, do t\u00e1c \u0111\u1ed9ng c\u1ee7a d\u1ecbch Covid-19, c\u1ea7u t\u00edn d\u1ee5ng gi\u1ea3m, t\u00edn d\u1ee5ng nh\u1eefng th\u00e1ng \u0111\u1ea7u n\u0103m c\u00f3 xu h\u01b0\u1edbng t\u0103ng th\u1ea5p h\u01a1n so v\u1edbi c\u00f9ng k\u1ef3 c\u00e1c n\u0103m tr\u01b0\u1edbc: th\u00e1ng 1 t\u0103ng 0,1%, th\u00e1ng 2 t\u0103ng 0,07%, th\u00e1ng 3 t\u0103ng\u00a01,1%, th\u00e1ng 4\/2020 t\u0103ng 1,42% so v\u1edbi cu\u1ed1i n\u0103m 2019\u00a0(c\u00f9ng k\u1ef3 n\u0103m 2019 t\u0103ng 4,44%). \u1ea2nh h\u01b0\u1edfng c\u1ee7a d\u1ecbch b\u1ec7nh d\u1eabn \u0111\u1ebfn kh\u00e1ch h\u00e0ng g\u1eb7p kh\u00f3 kh\u0103n trong vi\u1ec7c tr\u1ea3 n\u1ee3 ng\u00e2n h\u00e0ng \u0111\u00fang h\u1ea1n, d\u01b0 n\u1ee3 d\u1ef1 ki\u1ebfn b\u1ecb \u1ea3nh h\u01b0\u1edfng l\u00e0 kho\u1ea3ng 1,8 \u0111\u1ebfn 2 tri\u1ec7u t\u1ef7 \u0111\u1ed3ng, chi\u1ebfm kho\u1ea3ng 23% d\u01b0 n\u1ee3 to\u00e0n h\u1ec7 th\u1ed1ng.<\/p>\n

Tuy nhi\u00ean, v\u1edbi s\u1ef1 ch\u1ec9 \u0111\u1ea1o, \u0111i\u1ec1u h\u00e0nh quy\u1ebft li\u1ec7t, k\u1ecbp th\u1eddi c\u1ee7a Ch\u00ednh ph\u1ee7, Th\u1ee7 t\u01b0\u1edbng Ch\u00ednh ph\u1ee7 v\u1edbi m\u1ed9t h\u1ec7 th\u1ed1ng ch\u00ednh s\u00e1ch m\u1ea1nh m\u1ebd, ki\u00ean quy\u1ebft, v\u1eeba \u01b0u ti\u00ean ph\u00f2ng ch\u1ed1ng d\u1ecbch, v\u1eeba h\u01b0\u1edbng t\u1edbi m\u1ee5c ti\u00eau h\u1ed7 tr\u1ee3 th\u00fac \u0111\u1ea9y s\u1ea3n xu\u1ea5t kinh doanh, s\u1ef1 v\u00e0o cu\u1ed9c \u0111\u1ed3ng b\u1ed9 c\u1ee7a c\u00e1c B\u1ed9, ng\u00e0nh, \u0111\u1ecba ph\u01b0\u01a1ng trong th\u1eddi gian v\u1eeba qua s\u1ebd l\u00e0 n\u1ec1n t\u1ea3ng quan tr\u1ecdng gi\u00fap t\u0103ng s\u1ee9c ch\u1ed1ng ch\u1ecbu c\u1ee7a n\u1ec1n kinh t\u1ebf, gi\u1ea3m thi\u1ec3u t\u00e1c \u0111\u1ed9ng ti\u00eau c\u1ef1c l\u00ean \u0111\u1eddi s\u1ed1ng c\u1ee7a ng\u01b0\u1eddi d\u00e2n, l\u00e0 c\u01a1 s\u1edf v\u00e0 \u0111\u1ed9ng l\u1ef1c cho t\u00e1i kh\u1edfi \u0111\u1ed9ng n\u1ec1n kinh t\u1ebf sau d\u1ecbch b\u1ec7nh, k\u00e9o theo \u0111\u00f3 nhu c\u1ea7u v\u1ed1n ph\u1ee5c v\u1ee5 s\u1ea3n xu\u1ea5t, kinh doanh c\u1ee7a ng\u01b0\u1eddi d\u00e2n v\u00e0 doanh nghi\u1ec7p c\u00f3 nhi\u1ec1u kh\u1ea3 n\u0103ng s\u1ebd gia t\u0103ng trong th\u1eddi gian t\u1edbi.<\/p>\n

Cho vay v\u1edbi l\u00e3i su\u1ea5t bao nhi\u00eau th\u00ec b\u1ecb x\u1eed l\u00fd?<\/strong><\/p>\n

C\u00e2u h\u1ecfi:\u00a0<\/strong>Hi\u1ec7n nay c\u00f3 nhi\u1ec1u \u0111\u1ed1i t\u01b0\u1ee3ng kh\u00f4ng ch\u1ec9 trong n\u01b0\u1edbc m\u00e0 c\u1ea3 n\u01b0\u1edbc ngo\u00e0i v\u00e0o Vi\u1ec7t Nam cho vay t\u00edn d\u1ee5ng \u0111en (m\u1edbi \u0111\u00e2y c\u00f3 tr\u01b0\u1eddng h\u1ee3p nh\u00f3m ng\u01b0\u1eddi Trung Qu\u1ed1c b\u1ecb b\u1eaft v\u00ec cho vay \u0111\u1ebfn 1000%). V\u1eady cho vay t\u00edn d\u1ee5ng \u0111en s\u1ebd b\u1ecb x\u1eed l\u00fd th\u1ebf n\u00e0o?\u00a0C\u00f3 ph\u1ea3i l\u00e3i su\u1ea5t cho vay c\u00e0ng cao th\u00ec b\u1ecb x\u1eed l\u00fd c\u00e0ng n\u1eb7ng?<\/em><\/p>\n

N\u1ebfu ng\u01b0\u1eddi n\u01b0\u1edbc ngo\u00e0i kinh doanh qua m\u1ea1ng, \u1edf b\u00ean ngo\u00e0i Vi\u1ec7t Nam th\u00ec kh\u00f3 qu\u1ea3n l\u00fd \u0111\u01b0\u1ee3c. Ch\u00fang ta ch\u1ec9 qu\u1ea3n l\u00fd \u0111\u01b0\u1ee3c \u1edf ph\u00eda t\u1ea1i Vi\u1ec7t Nam.<\/p>\n

N\u1ebfu h\u1ecd hi\u1ec7n di\u1ec7n \u1edf Vi\u1ec7t Nam, v\u1ec1 nguy\u00ean t\u1eafc, m\u1ecdi h\u00e0nh vi vi ph\u1ea1m ph\u00e1p lu\u1eadt d\u00e2n s\u1ef1, h\u00e0nh ch\u00ednh hay h\u00ecnh s\u1ef1 c\u1ee7a ng\u01b0\u1eddi n\u01b0\u1edbc ngo\u00e0i tr\u00ean l\u00e3nh th\u1ed5 Vi\u1ec7t Nam c\u0169ng b\u1ecb x\u1eed l\u00fd nh\u01b0 \u0111\u1ed1i v\u1edbi ng\u01b0\u1eddi Vi\u1ec7t Nam.<\/p>\n

N\u1ebfu b\u1ecb kh\u1edfi ki\u1ec7n ra to\u00e0 th\u00ec s\u1ebd kh\u00f4ng \u0111\u01b0\u1ee3c th\u1eeba nh\u1eadn ph\u1ea7n l\u00e3i su\u1ea5t v\u01b0\u1ee3t qu\u00e1 20%\/n\u0103m.<\/p>\n

N\u1ebfu b\u1ecb x\u1eed ph\u1ea1t v\u1ec1 t\u1ed9i Cho vay l\u00e3i n\u1eb7ng th\u00ec ngo\u00e0i ch\u1ecbu h\u00ecnh ph\u1ea1t ch\u00ednh, s\u1ebd b\u1ecb t\u1ecbch thu to\u00e0n b\u1ed9 s\u1ed1 ti\u1ec1n g\u1ed1c v\u00e0 l\u00e3i cho vay ph\u1ea1m ph\u00e1p.<\/p>\n

C\u1ea5n V\u0103n L\u1ef1c:<\/strong>T\u00f4i xin b\u1ed5 sung th\u00eam n\u1ed9i dung v\u1ec1 tr\u1ea7n l\u00e3i su\u1ea5t.\u00a0Trong lu\u1eadt d\u00e2n s\u1ef1 c\u1ee7a ch\u00fang ta c\u00f3 n\u00eau m\u1ee9c tr\u1ea7n 20 %, tr\u1eeb khi lu\u1eadt chuy\u00ean ng\u00e0nh c\u00f3 m\u1ee9c l\u00e3i su\u1ea5t kh\u00e1c, tr\u1eeb m\u1ed9t s\u1ed1 l\u0129nh v\u1ef1c \u01b0u ti\u00ean do ng\u00e2n h\u00e0ng nh\u00e0 n\u01b0\u1edbc v\u00e0 ch\u00ednh ph\u1ee7 quy \u0111\u1ecbnh. T\u00e0i ch\u00ednh\/cho vay ti\u00eau d\u00f9ng c\u00f3 m\u1ee9c l\u00e3i 20-50 % nh\u01b0ng kh\u00f4ng h\u1ec1 ph\u1ea1m lu\u1eadt, b\u1edfi quy \u0111\u1ecbnh cho ph\u00e9p nh\u01b0 v\u1eady. V\u00ec th\u1ebf ch\u00fang ta ph\u1ea3i nh\u1ea5t qu\u00e1n c\u00e1c quy \u0111\u1ecbnh v\u1edbi nhau, kh\u00f4ng n\u00ean \u00e1p tr\u1ea7n l\u00e3i su\u1ea5t, b\u1edfi n\u00f3 s\u1ebd khi\u1ebfn th\u1ecb tr\u01b0\u1eddng m\u00e9o m\u00f3, l\u00e1ch lu\u1eadt\u2026 nhi\u1ec1u n\u01b0\u1edbc tr\u01b0\u1edbc \u0111\u00e2y \u00e1p tr\u1ea7n nh\u01b0ng \u0111\u00e3 ph\u1ea3i th\u00e1o b\u1ecf d\u1ea7n. B\u1edfi v\u1ec1 t\u1ed5ng th\u1ebf n\u00f3 g\u00e2y b\u1ea5t l\u1ee3i h\u01a1n cho kinh t\u1ebf.<\/p>\n

\"\"<\/p>\n

C\u00e1c h\u00ecnh th\u1ee9c cho vay, nh\u1ea5t l\u00e0 cho vay qua m\u1ea1ng c\u00f3 h\u1ee3p l\u1ec7?<\/strong><\/p>\n

C\u00e2u h\u1ecfi:\u00a0<\/em><\/strong>Hi\u1ec7n nay c\u00f3 nhi\u1ec1u ng\u01b0\u1eddi, nhi\u1ec1u c\u00f4ng ty m\u1eddi g\u1ecdi cho vay qua m\u1ea1ng, vi\u1ec7c \u0111\u00f3 c\u00f3 h\u1ee3p l\u1ec7 kh\u00f4ng?<\/em><\/p>\n

Lu\u1eadt s\u01b0 Tr\u01b0\u01a1ng Thanh \u0110\u1ee9c:\u00a0<\/strong>Th\u01b0\u1eddng quan t\u00e2m c\u00f3 h\u1ee3p l\u1ec7 hay kh\u00f4ng th\u00ec ch\u1ec9 c\u00f3 c\u01a1 quan qu\u1ea3n l\u00fd nh\u00e0 n\u01b0\u1edbc v\u00e0 ng\u01b0\u1eddi cho vay v\u00ec li\u00ean quan \u0111\u1ebfn nguy c\u01a1 kh\u00f4ng \u0111\u01b0\u1ee3c t\u00ednh l\u00e3i hay b\u1ecb x\u1eed l\u00fd h\u00e0nh ch\u00ednh ho\u1eb7c h\u00ecnh s\u1ef1 n\u1ebfu vi ph\u1ea1m ph\u00e1p lu\u1eadt.<\/p>\n

Ng\u01b0\u1eddi \u0111i vay th\u00ec kh\u00f4ng quan t\u00e2m m\u1ea5y, h\u1ecd c\u1ea7n vay c\u00e0ng \u0111\u01a1n gi\u1ea3n c\u00e0ng th\u00edch.<\/p>\n

V\u1ec1 t\u00ednh h\u1ee3p l\u1ec7 hay kh\u00f4ng h\u1ee3p l\u1ec7 c\u1ee7a kho\u1ea3n vay th\u00ec quan \u0111i\u1ec3m c\u1ee7a qu\u1ea3n l\u00fd nh\u00e0 n\u01b0\u1edbc \u0111\u1ebfn nay v\u1eabn ch\u01b0a r\u00f5 r\u00e0ng, c\u00f2n v\u1edbi ng\u01b0\u1eddi d\u00e2n l\u00e0 m\u1ed9t th\u00e1ch th\u1ee9c. Hi\u1ec7n c\u00f3 nhi\u1ec1u c\u00f4ng ty, \u0111\u01a1n v\u1ecb cho vay, c\u1ea7m \u0111\u1ed3 v\u1eabn g\u1eafn ch\u1eef t\u00e0i ch\u00ednh t\u00edn d\u1ee5ng khi\u1ebfn ng\u01b0\u1eddi d\u00e2n hi\u1ec3u nh\u1ea7m \u0111\u00e3 \u0111\u01b0\u1ee3c NHNN c\u1ea5p ph\u00e9p.<\/p>\n

C\u00f3 3 d\u1ea1ng ch\u00ednh v\u1ec1 cho vay tr\u00ean th\u1ecb tr\u01b0\u1eddng hi\u1ec7n nay: t\u1ed5 ch\u1ee9c h\u1ee3p ph\u00e1p h\u1ee3p l\u1ec7 \u0111\u00e3 r\u00f5 r\u1ed3i (c\u00e1c ng\u00e2n h\u00e0ng, c\u00f4ng ty t\u00e0i ch\u00ednh ti\u00eau d\u00f9ng h\u1ee3p ph\u00e1p; nh\u1eefng \u0111\u01a1n v\u1ecb kh\u00f3 ph\u00e2n bi\u1ec7t nh\u01b0 l\u00e0 c\u1ea7m \u0111\u1ed3, qu\u1ef9 \u0111\u1ea7u t\u01b0 ph\u00e1t tri\u1ec3n; cu\u1ed1i c\u00f9ng l\u00e0 t\u1ea5t c\u1ea3 (c\u00e1 nh\u00e2n, t\u1ed5 ch\u1ee9c, doanh nghi\u1ec7p\u2026) c\u00f3 quy\u1ec1n cho vay nh\u01b0ng kh\u00f4ng \u0111\u01b0\u1ee3c th\u01b0\u1eddng xuy\u00ean, li\u00ean t\u1ee5c. Tuy nhi\u00ean, nh\u1eefng c\u00e1i n\u00e0y c\u0169ng r\u1ea5t kh\u00f3 ph\u00e2n bi\u1ec7t \u0111\u01b0\u1ee3c.<\/p>\n

Kh\u00f4ng h\u1ea1 chu\u1ea9n t\u00edn d\u1ee5ng c\u0169ng l\u00e0 m\u1ed9t bi\u1ec7n ph\u00e1p h\u1ed7 tr\u1ee3 l\u00e2u d\u00e0i<\/strong><\/p>\n

C\u00e2u h\u1ecfi:\u00a0<\/strong>C\u00f3 n\u00ean h\u1ea1 chu\u1ea9n t\u00edn d\u1ee5ng \u0111\u1ec3 cho vay d\u1ec5 d\u00e0ng h\u01a1n?<\/em><\/p>\n

C\u1ea5n V\u0103n L\u1ef1c: <\/strong>N\u1ebfu m\u00ecnh coi \u0111\u00f3 l\u00e0 1 \u0111i\u1ec1u ki\u1ec7n th\u00ec c\u00e1c ng\u00e2n h\u00e0ng th\u01b0\u1eddng l\u00e0m nh\u01b0 th\u1ebf n\u00e0o \u0111\u1ec3 v\u1eeba kinh doanh \u0111\u1ee7 t\u1ed1t, v\u1eeba \u0111\u00e1p \u1ee9ng \u0111\u00fang ch\u1ec9 \u0111\u1ea1o v\u1ec1 h\u1ea1 l\u00e3i su\u1ea5t m\u00e0 v\u1eabn t\u0103ng tr\u01b0\u1edfng.<\/p>\n

N\u0103m nay c\u00f3 m\u1ed9t s\u1ed1 ngh\u1ecbch l\u00fd \u0111\u00e3 v\u00e0 \u0111ang x\u1ea3y ra.\u00a0T\u1ed5ng l\u1ee3i nhu\u1eadn theo t\u00ednh to\u00e1n c\u1ee7a c\u00e1c ng\u00e2n h\u00e0ng s\u1ebd gi\u1ea3m 30 -40 ngh\u00ecn t\u1ef7 v\u00ec c\u00e1c g\u00f3i h\u1ed7 tr\u1ee3, gi\u1ea3m l\u00e3i su\u1ea5t, ph\u1ea3i ch\u0103ng h\u1ec7 th\u1ed1ng ng\u00e2n h\u00e0ng \u0111ang l\u00e0m qu\u00e1 nhi\u1ec1u ch\u00ednh s\u00e1ch?<\/p>\n

Th\u1ef1c ra h\u1ec7 th\u1ed1ng ng\u00e2n h\u00e0ng bu\u1ed9c ph\u1ea3i l\u00e0m v\u00ec c\u1ee9u doanh nghi\u1ec7p, ng\u01b0\u1eddi d\u00e2n c\u0169ng l\u00e0 c\u1ee9u m\u00ecnh. B\u00e0i to\u00e1n chia s\u1ebb c\u1ea7n gi\u1ea3i quy\u1ebft. Nh\u01b0ng c\u00e1c ng\u00e2n h\u00e0ng n\u01b0\u1edbc kh\u00e1c kh\u00f4ng l\u00e0m gi\u1ed1ng ch\u00fang ta . Ch\u00fang ta khuy\u1ebfn kh\u00edch gi\u1ea3m l\u00e3i su\u1ea5t v\u1edbi c\u00e1c d\u01b0 n\u1ee3 hi\u1ec7n h\u1eefu.<\/p>\n

H\u1ec7 th\u1ed1ng ng\u00e2n h\u00e0ng gi\u1ea3m l\u00e3i su\u1ea5t v\u1eeba \u0111\u1ec3 h\u1ed7 tr\u1ee3 v\u1eeba \u0111\u1ec3 k\u00edch c\u1ea7u t\u00ednh d\u1ee5ng trong b\u1ed1i c\u1ea3nh ng\u01b0\u1eddi d\u00e2n kh\u00f4ng c\u00f3 nhi\u1ec1u nhu c\u1ea7u \u0111i vay.<\/p>\n

L\u00e0m th\u1ebf n\u00e0o \u0111\u1ec3 \u0111\u1ea3m b\u1ea3o an to\u00e0n? Th\u1ee9 nh\u1ea5t h\u1ec7 th\u1ed1ng ng\u00e2n h\u00e0ng kh\u00f4ng \u0111\u01b0\u1ee3c h\u1ea1 chu\u1ea9n t\u00edn d\u1ee5ng, c\u00f3 th\u1ec3 v\u1eabn gi\u00e3n ho\u00e3n n\u1ee3 nh\u01b0ng kh\u00f4ng \u0111\u01b0\u1ee3c n\u1edbi l\u1ecfng qu\u00e1 ti\u00eau chu\u1ea9n cho vay v\u1ed1n, b\u1edfi nh\u01b0 th\u1ebf ti\u1ec1m \u1ea9n r\u1ee7i ro l\u00e2u d\u00e0i cho c\u1ea3 ng\u00e2n h\u00e0ng, ch\u00ednh ph\u1ee7, doanh nghi\u1ec7p. Kh\u00f4ng h\u1ea1 chu\u1ea9n t\u00edn d\u1ee5ng c\u0169ng l\u00e0 h\u1ed7 tr\u1ee3 l\u00e2u d\u00e0i.<\/p>\n

Th\u1ee9 hai l\u00e0, v\u1eabn ph\u1ea3i tu\u00e2n th\u1ee7 c\u00e1c nguy\u00ean t\u1eafc th\u1ecb tr\u01b0\u1eddng, kh\u00f4ng \u0111\u01b0\u1ee3c can thi\u1ec7p c\u1ee7a c\u00e1c c\u01a1 quan qu\u1ea3n l\u00fd. B\u1edfi \u0111\u00e2y l\u00e0 c\u00e2u chuy\u1ec7n quan h\u1ec7 t\u00edn d\u1ee5ng, th\u01b0\u01a1ng m\u1ea1i.<\/p>\n

N\u0103m nay, c\u1ea3 n\u1ec1n kinh t\u1ebf c\u1ee7a ch\u00fang ta ph\u1ea3i ch\u1ea5p nh\u1eadn gi\u1ea3m l\u1ee3i nhu\u1eadn, gi\u1ea3m chi ph\u00ed, gi\u1ea3m l\u01b0\u01a1ng, gi\u1ea3m nh\u00e2n s\u1ef1. Nh\u01b0ng t\u00f4i k\u1ef3 v\u1ecdng c\u00f3 s\u1ef1 b\u1eadt d\u1eady t\u1ed1t trong m\u1ed9t v\u00e0i n\u0103m t\u1edbi.<\/p>\n

\"\"<\/p>\n

TCTD gi\u1ea3m l\u00e3i su\u1ea5t v\u00e0 mu\u1ed1n \u0111\u1ea9y nhanh t\u0103ng tr\u01b0\u1edfng t\u00edn d\u1ee5ng th\u00ec c\u00f3 ngh\u1ecbch l\u00fd hay kh\u00f4ng khi r\u1ee7i ro s\u1ebd gia t\u0103ng?<\/strong><\/p>\n

C\u00e2u h\u1ecfi:<\/em><\/strong>\u00a0<\/em>C\u00e1c ng\u00e2n h\u00e0ng \u0111ang gi\u1ea3m l\u00e3i su\u1ea5t v\u00e0 mu\u1ed1n \u0111\u1ea9y nhanh t\u00edn d\u1ee5ng nh\u01b0ng nh\u01b0 v\u1eady l\u1ea1i ti\u1ec1m \u1ea9n r\u1ee7i ro cho ch\u00ednh h\u1ecd, v\u1eady c\u00f3 ngh\u1ecbch l\u00fd \u1edf \u0111\u00e2y hay kh\u00f4ng?<\/em><\/p>\n

LS Tr\u01b0\u01a1ng Thanh \u0110\u1ee9c<\/strong>: C\u00e2u chuy\u1ec7n v\u01b0\u1edbng m\u1eafc ngh\u1ecbch l\u00fd kh\u00f4ng ph\u1ea3i gi\u1edd m\u1edbi x\u1ea3y ra, n\u1ec1n kinh t\u1ebf Vi\u1ec7t Nam kh\u00f4ng ho\u00e0n to\u00e0n theo th\u1ecb tr\u01b0\u1eddng, c\u1ed9ng v\u1edbi nhi\u1ec1u v\u01b0\u1edbng m\u1eafc kh\u00e1c t\u1ea1o ra \u0111i\u1ec1u n\u00e0y. C\u00f3 th\u1eddi k\u1ef3 t\u1ea5t c\u1ea3 l\u00e3i su\u1ea5t b\u1eb1ng nhau, hay c\u00f3 tr\u01b0\u1eddng h\u1ee3p l\u00e3i su\u1ea5t ng\u1eafn h\u1ea1n cao h\u01a1n d\u00e0i h\u1ea1n\u2026<\/p>\n

\u1ede th\u1eddi \u0111i\u1ec3m n\u00e0y r\u1ee7i ro l\u1edbn nh\u01b0ng ng\u00e2n h\u00e0ng lu\u00f4n nh\u00ecn th\u1ea5y r\u1ee7i ro, h\u1eadu qu\u1ea3 ch\u1eadm h\u01a1n doanh nghi\u1ec7p. \u0110\u00e1ng l\u1ebd ng\u00e2n h\u00e0ng c\u1ea7n h\u1ea1n ch\u1ebf cho vay, t\u0103ng l\u00e3i su\u1ea5t \u0111\u1ec3 gi\u1ea3m r\u1ee7i ro nh\u01b0ng v\u00ec nhi\u1ec1u nguy\u00ean nh\u00e2n, h\u1ecd \u0111ang bu\u1ed9c ph\u1ea3i ch\u1ea5p nh\u1eadn t\u0103ng c\u01b0\u1eddng cho vay, h\u1ea1 l\u00e3i su\u1ea5t, gi\u1ea3m ph\u00ed. Th\u1eadm ch\u00ed c\u00f3 th\u1ec3 \u00edt nhi\u1ec1u \u1ea3nh h\u01b0\u1edfng \u0111\u1ebfn c\u1ea3 \u0111i\u1ec1u ki\u1ec7n cho vay. Do \u0111\u00f3, r\u1ea5t nhanh th\u00f4i c\u00f3 th\u1ec3 d\u1eabn \u0111\u1ebfn r\u1ee7i ro c\u1ee7a ng\u00e2n h\u00e0ng.<\/p>\n

Ch\u1eafc ch\u1eafn s\u1ebd ph\u1ea3i c\u00f3 nh\u1eefng gi\u1ea3i ph\u00e1p \u0111\u1ebfn t\u1eeb NHTM \u0111\u1ebfn c\u01a1 quan qu\u1ea3n l\u00fd \u0111\u1ec3 th\u1eaft ch\u1eb7t, ki\u1ec3m so\u00e1t r\u1ee7i ro ch\u1ee9 kh\u00f4ng hi v\u1ecdng lo\u1ea1i tr\u1eeb hay gi\u1ea3m l\u00e3i su\u1ea5t h\u01a1n \u0111\u01b0\u1ee3c n\u1eefa.<\/p>\n

Kh\u00e1ch h\u00e0ng v\u1eabn k\u00eau l\u00e3i su\u1ea5t c\u00f2n cao, v\u1eady m\u1eb7t b\u1eb1ng l\u00e3i su\u1ea5t hi\u1ec7n nay ra sao?<\/h3>\n

H\u1ecfi:\u00a0<\/em><\/strong>D\u00f9 c\u00e1c t\u1ed5 ch\u1ee9c t\u00edn d\u1ee5ng \u0111\u00e3 h\u1ea1 l\u00e3i su\u1ea5t \u0111\u00e1ng k\u1ec3 t\u1eeb khi d\u1ecbch b\u1ec7nh x\u1ea3y ra \u0111\u1ebfn nay song kh\u00e1ch h\u00e0ng v\u1eabn k\u00eau l\u00e3i su\u1ea5t \u0111i vay c\u00f2n cao, v\u1eady m\u1eb7t b\u1eb1ng l\u00e3i su\u1ea5t hi\u1ec7n nay th\u1ebf n\u00e0o?<\/em><\/p>\n

\u00d4ng Nguy\u1ec5n Qu\u1ed1c H\u00f9ng, V\u1ee5 tr\u01b0\u1edfng V\u1ee5 T\u00edn d\u1ee5ng:\u00a0<\/strong>Trong b\u1ed1i c\u1ea3nh \u0111\u1ea1i d\u1ecbch Covid-19 di\u1ec5n bi\u1ebfn ph\u1ee9c t\u1ea1p v\u00e0 g\u00e2y suy tho\u00e1i kinh t\u1ebf to\u00e0n c\u1ea7u, Ch\u00ednh ph\u1ee7 v\u00e0 Ng\u00e2n h\u00e0ng Trung \u01b0\u01a1ng nhi\u1ec1u n\u01b0\u1edbc c\u1eaft gi\u1ea3m l\u00e3i su\u1ea5t \u0111i\u1ec1u h\u00e0nh v\u00e0 th\u1ef1c thi nhi\u1ec1u gi\u1ea3i ph\u00e1p k\u00edch th\u00edch kinh t\u1ebf, h\u1ed7 tr\u1ee3 t\u00e0i kh\u00f3a v\u1edbi quy m\u00f4 l\u1edbn. Th\u1ef1c hi\u1ec7n ch\u1ee7 tr\u01b0\u01a1ng v\u00e0 ch\u1ec9 \u0111\u1ea1o c\u1ee7a Ch\u00ednh ph\u1ee7, Th\u1ee7 t\u01b0\u1edbng Ch\u00ednh ph\u1ee7 tri\u1ec3n khai c\u00e1c nhi\u1ec7m v\u1ee5, gi\u1ea3i ph\u00e1p th\u00e1o g\u1ee1 kh\u00f3 kh\u0103n cho s\u1ea3n xu\u1ea5t kinh doanh, b\u1ea3o \u0111\u1ea3m an sinh x\u00e3 h\u1ed9i \u1ee9ng ph\u00f3 v\u1edbi d\u1ecbch Covid-19, t\u1eeb \u0111\u1ea7u n\u0103m 2020 \u0111\u1ebfn nay, NHNN \u0111\u00e3 li\u00ean ti\u1ebfp \u0111i\u1ec1u ch\u1ec9nh gi\u1ea3m 2 l\u1ea7n c\u00e1c m\u1ee9c l\u00e3i su\u1ea5t.<\/p>\n

Ng\u00e0y 17\/3\/2020, NHNN gi\u1ea3m \u0111\u1ed3ng b\u1ed9 0,5-1%\/n\u0103m l\u00e3i su\u1ea5t \u0111i\u1ec1u h\u00e0nh \u0111\u1ec3 ph\u00e1t t\u00edn hi\u1ec7u m\u1ea1nh m\u1ebd \u0111\u1ecbnh h\u01b0\u1edbng \u0111i\u1ec1u h\u00e0nh gi\u1ea3m l\u00e3i su\u1ea5t c\u1ee7a NHNN; gi\u1ea3m 0,25-0,3%\/n\u0103m tr\u1ea7n l\u00e3i su\u1ea5t ti\u1ec1n g\u1eedi c\u00e1c k\u1ef3 h\u1ea1n d\u01b0\u1edbi 6 th\u00e1ng v\u00e0 gi\u1ea3m 0,5%\/n\u0103m tr\u1ea7n l\u00e3i su\u1ea5t cho vay ng\u1eafn h\u1ea1n \u0111\u1ed1i v\u1edbi c\u00e1c l\u0129nh v\u1ef1c \u01b0u ti\u00ean c\u1ee7a TCTD. Ti\u1ebfp \u0111\u00f3, ng\u00e0y 13\/5\/2020, NHNN ti\u1ebfp t\u1ee5c \u0111i\u1ec1u ch\u1ec9nh gi\u1ea3m \u0111\u1ed3ng b\u1ed9 0,5%\/n\u0103m c\u00e1c m\u1ee9c l\u00e3i su\u1ea5t \u0111i\u1ec1u h\u00e0nh; gi\u1ea3m 0,3-0,5%\/n\u0103m tr\u1ea7n l\u00e3i su\u1ea5t ti\u1ec1n g\u1eedi VND k\u1ef3 h\u1ea1n d\u01b0\u1edbi 6 th\u00e1ng v\u00e0 gi\u1ea3m 0,5%\/n\u0103m tr\u1ea7n l\u00e3i su\u1ea5t cho vay ng\u1eafn h\u1ea1n \u0111\u1ed1i v\u1edbi c\u00e1c l\u0129nh v\u1ef1c \u01b0u ti\u00ean.<\/p>\n

Sau \u0111\u1ed9ng th\u00e1i \u0111i\u1ec1u h\u00e0nh c\u1ee7a NHNN, c\u00e1c TCTD \u0111\u00e3 \u0111\u1ed3ng lo\u1ea1t gi\u1ea3m l\u00e3i su\u1ea5t huy \u0111\u1ed9ng c\u00e1c k\u1ef3 h\u1ea1n d\u01b0\u1edbi 6 th\u00e1ng (m\u1ed9t s\u1ed1 TCTD gi\u1ea3m l\u00e3i su\u1ea5t huy \u0111\u1ed9ng c\u00e1c k\u1ef3 h\u1ea1n tr\u00ean 6 th\u00e1ng) v\u00e0 l\u00e3i su\u1ea5t cho vay \u0111\u1ed1i v\u1edbi l\u0129nh v\u1ef1c \u01b0u ti\u00ean. Hi\u1ec7n m\u1eb7t b\u1eb1ng l\u00e3i su\u1ea5t huy \u0111\u1ed9ng sau \u0111i\u1ec1u ch\u1ec9nh c\u1ee7a TCTD ph\u1ed5 bi\u1ebfn \u1edf m\u1ee9c 0,1-0,2%\/n\u0103m \u0111\u1ed1i v\u1edbi ti\u1ec1n g\u1eedi kh\u00f4ng k\u1ef3 h\u1ea1n v\u00e0 c\u00f3 k\u1ef3 h\u1ea1n d\u01b0\u1edbi 1 th\u00e1ng; 4-4,25%\/n\u0103m \u0111\u1ed1i v\u1edbi ti\u1ec1n g\u1eedi c\u00f3 k\u1ef3 h\u1ea1n t\u1eeb 1 \u0111\u1ebfn d\u01b0\u1edbi 6 th\u00e1ng; 5,1-6,6%\/n\u0103m \u0111\u1ed1i v\u1edbi ti\u1ec1n g\u1eedi c\u00f3 k\u1ef3 h\u1ea1n t\u1eeb 6 th\u00e1ng \u0111\u1ebfn d\u01b0\u1edbi 12 th\u00e1ng; k\u1ef3 h\u1ea1n t\u1eeb 12 th\u00e1ng tr\u1edf l\u00ean \u1edf m\u1ee9c 6,6-7,4%\/n\u0103m. C\u00e1c TCTD \u00e1p d\u1ee5ng l\u00e3i su\u1ea5t cho vay t\u1ed1i \u0111a \u0111\u1ed1i v\u1edbi kh\u00e1ch h\u00e0ng thu\u1ed9c c\u00e1c l\u0129nh v\u1ef1c \u01b0u ti\u00ean hi\u1ec7n \u1edf m\u1ee9c 5%\/n\u0103m.<\/p>\n

C\u1ea5n V\u0103n L\u1ef1c:\u00a0<\/strong>V\u1ec1 m\u1eb7t b\u1eb1ng l\u00e3i su\u1ea5t, r\u00f5 r\u00e0ng l\u00e3i su\u1ea5t \u0111\u00e3 v\u00e0 \u0111ang gi\u1ea3m \u0111\u00e1ng k\u1ec3. Hi\u1ec7n l\u00e3i su\u1ea5t gi\u1ea3m c\u1ea3 \u1edf huy \u0111\u1ed9ng v\u00e0 cho vay. Tuy nhi\u00ean, t\u1eeb \u0111\u1ea7u n\u0103m \u0111\u1ebfn h\u1ebft th\u00e1ng 4, th\u1ee9 doanh nghi\u1ec7p v\u00e0 ng\u01b0\u1eddi d\u00e2n quan t\u00e2m nh\u1ea5t l\u00e0 d\u00f2ng ti\u1ec1n, thanh kho\u1ea3n khi \u0111\u1ebfn h\u1ea1n n\u1ed9p thu\u1ebf, tr\u1ea3 n\u1ee3, n\u1ed9p ti\u1ec1n,\u2026Ch\u00ednh ph\u1ee7 c\u0169ng \u0111\u00e3 nh\u1eadn r\u00f5 v\u1ea5n \u0111\u1ec1 v\u00e0 \u0111\u00e1nh tr\u00fang khi c\u00f3 c\u00e1c g\u00f3i h\u1ed7 tr\u1ee3.<\/p>\n

Trong \u0111\u00f3, NHNN \u0111\u00e3 c\u00f3 Th\u00f4ng t\u01b0 01 v\u1edbi t\u00ednh \u0111\u1ed9t ph\u00e1, khi kh\u00f4ng chuy\u1ec3n nh\u00f3m n\u1ee3, kh\u00f4ng t\u00ednh l\u00e3i ph\u1ea1t ch\u1eadm tr\u1ea3 n\u1ee3. M\u1ee9c gi\u1ea3m l\u00e3i su\u1ea5t t\u1eeb 0,5-2,5% l\u00e0 m\u1ee9c t\u01b0\u01a1ng \u0111\u1ed1i l\u1edbn. Ch\u1ec9 tr\u1eeb c\u00e1c kho\u1ea3n vay b\u1ea5t \u0111\u1ed9ng s\u1ea3n c\u00f3 h\u1ec7 s\u1ed1 r\u1ee7i ro cao th\u00ec l\u00e3i su\u1ea5t \u1edf m\u1ee9c cao h\u01a1n m\u1eb7t b\u1eb1ng.<\/p>\n

T\u00edn d\u1ee5ng t\u0103ng th\u1ea5p trong qu\u00fd 1 nh\u01b0ng s\u1ebd t\u0103ng m\u1ea1nh trong qu\u00fd 2 v\u00e0 c\u1ea3 n\u0103m<\/strong><\/p>\n

H\u1ecfi:\u00a0<\/em><\/strong>Nhu c\u1ea7u v\u1ed1n c\u1ee7a ng\u01b0\u1eddi d\u00e2n v\u00e0 doanh nghi\u1ec7p giai \u0111o\u1ea1n h\u1eadu Covid-19 th\u1ebf n\u00e0o?<\/em><\/p>\n

C\u1ea5n V\u0103n L\u1ef1c:\u00a0<\/strong>Ch\u00fang ta th\u1ea5y, n\u0103m nay nhu c\u1ea7u v\u1ed1n c\u1ee7a ng\u01b0\u1eddi d\u00e2n v\u00e0 doanh nghi\u1ec7p \u0111\u1ec1u t\u01b0\u01a1ng \u0111\u1ed1i th\u1ea5p. H\u1ebft Q1\/2020, d\u01b0 n\u1ee3 t\u00edn d\u1ee5ng \u0111\u1ea1t kho\u1ea3ng 8,3 tri\u1ec7u t\u1ef7, t\u01b0\u01a1ng \u0111\u01b0\u01a1ng 134% GDP, trong \u0111\u00f3 cho vay doanh nghi\u1ec7p chi\u1ebfm 55%, cho vay c\u00e1 nh\u00e2n chi\u1ebfm \u0111\u1ebfn 45%. R\u00f5 r\u00e0ng, m\u1ed9t l\u01b0\u1ee3ng v\u1ed1n t\u01b0\u01a1ng \u0111\u1ed1i kh\u1ed5ng l\u1ed3 l\u00e0 d\u00e0nh cho c\u00e1 nh\u00e2n, h\u1ed9 gia \u0111\u00ecnh.<\/p>\n

D\u00f9 v\u1eady, nhu c\u1ea7u v\u1ed1n \u0111\u00e3 b\u1eaft \u0111\u1ea7u t\u0103ng tr\u1edf l\u1ea1i t\u1eeb \u0111\u1ea7u th\u00e1ng 4, v\u1edbi t\u0103ng tr\u01b0\u1edfng t\u00edn d\u1ee5ng \u0111\u1ebfn h\u1ebft th\u00e1ng 4 l\u00e0 1,32% nh\u01b0ng v\u1eabn th\u1ea5p h\u01a1n so v\u1edbi n\u0103m ngo\u00e1i (4,56%). \u0110\u1ebfn th\u00e1ng 5, theo s\u1ed1 li\u1ec7u do NHNN c\u1eadp nh\u1eadt cho th\u1ea5y \u0111\u00e3 t\u0103ng t\u01b0\u01a1ng \u0111\u1ed1i t\u1ed1t.<\/p>\n

T\u00f4i d\u1ef1 b\u00e1o, t\u00edn d\u1ee5ng s\u1ebd t\u0103ng tr\u1edf l\u1ea1i, \u0111\u1ebfn h\u1ebft qu\u00fd 2 s\u1ebd \u0111\u1ea1t kho\u1ea3ng 3,5-4%, h\u1ebft n\u0103m l\u00e0 9-10% l\u00e0 ph\u00f9 h\u1ee3p.<\/p>\n

N\u1ebfu t\u0103ng tr\u01b0\u1edfng GDP n\u0103m nay ph\u1ea5n \u0111\u1ea5u \u0111\u1ea1t 4-5%, th\u00ec t\u00edn d\u1ee5ng kho\u1ea3ng 9-10%, g\u1ea5p h\u01a1n 2 l\u1ea7n l\u00e0 t\u01b0\u01a1ng \u0111\u1ed1i ph\u00f9 h\u1ee3p. N\u1ebfu t\u0103ng 9-10% m\u00e0 ng\u01b0\u1eddi d\u00e2n v\u00e0 doanh nghi\u1ec7p v\u1eabn k\u00eau kh\u00f3 th\u00ec ph\u1ea3i xem l\u1ea1i th\u1ef1c h\u01b0 x\u1ea3y ra v\u1edbi \u0111\u1ed1i t\u01b0\u1ee3ng n\u00e0o. B\u1edfi m\u1ee9c t\u0103ng 9-10% l\u00e0 m\u1ee9c cao g\u1ea7n nh\u1ea5t trong khu v\u1ef1c. Nhu c\u1ea7u v\u1ec1 v\u1ed1n c\u1ee7a ng\u01b0\u1eddi d\u00e2n v\u00e0 doanh nghi\u1ec7p \u0111ang ph\u1ee5c h\u1ed3i tr\u1edf l\u1ea1i v\u00e0 s\u1ebd t\u0103ng l\u00ean trong th\u1eddi gian t\u1edbi, v\u00e0 t\u01b0\u01a1ng \u0111\u1ed1i l\u1edbn v\u00ec ph\u00e1t tri\u1ec3n kinh t\u1ebf x\u00e3 h\u1ed9i c\u1ee7a ch\u00fang ta \u0111ang \u1edf m\u1ee9c t\u01b0\u01a1ng \u0111\u1ed1i cao so v\u1edbi khu v\u1ef1c.<\/p>\n

H\u1ecfi:<\/strong>\u00a0T\u00edn d\u1ee5ng sau Covid-19 li\u1ec7u c\u00f3 b\u1eadt t\u0103ng m\u1ea1nh so v\u1edbi c\u00f9ng k\u1ef3 n\u0103m tr\u01b0\u1edbc hay kh\u00f4ng?<\/em><\/p>\n

Trong th\u00e1ng 4, t\u00edn d\u1ee5ng c\u00f3 t\u0103ng tr\u1edf l\u1ea1i nh\u01b0ng kh\u00f4ng \u0111\u00e1ng k\u1ec3 v\u00ec c\u00f2n \u0111ang gi\u00e3n c\u00e1ch x\u00e3 h\u1ed9i. Nh\u01b0ng th\u1eddi gian g\u1ea7n \u0111\u00e2y, huy \u0111\u1ed9ng v\u1ed1n v\u00e0 t\u00edn d\u1ee5ng \u0111\u00e3 s\u00f4i \u0111\u1ed9ng tr\u1edf l\u1ea1i. Kh\u1ea3 n\u0103ng b\u1eadt l\u00f2 xo l\u00e0 kh\u00e1 l\u1edbn, nh\u01b0ng s\u1ebd ch\u1ee7 y\u1ebfu trong n\u1ed9i \u0111\u1ecba. Th\u1ecb tr\u01b0\u1eddng n\u1ed9i \u0111\u1ecba c\u1ee7a ch\u00fang ta c\u0169ng r\u1ea5t l\u1edbn v\u00e0 ti\u1ec1m n\u0103ng. Ti\u00eau d\u00f9ng c\u00e1 nh\u00e2n c\u1ee7a Vi\u1ec7t Nam r\u1ea5t l\u1edbn, t\u01b0\u01a1ng \u0111\u01b0\u01a1ng 80% GDP. Do \u0111\u00f3, n\u1ebfu c\u00f3 bi\u1ec7n ph\u00e1p k\u00edch c\u1ea7u trong n\u01b0\u1edbc, bao g\u1ed3m c\u1ea3 ti\u00eau d\u00f9ng n\u1ed9i \u0111\u1ecba th\u00ec kh\u1ea3 n\u0103ng t\u0103ng tr\u01b0\u1edfng nhanh h\u01a1n.<\/p>\n

\"\"<\/p>\n

Chuy\u00ean gia, nh\u00e0 qu\u1ea3n l\u00fd hi\u1ebfn k\u1ebf th\u00fac \u0111\u1ea9y cho vay c\u00e1 nh\u00e2n giai \u0111o\u1ea1n h\u1eadu Covid-19<\/strong><\/p>\n

\u0110\u1ea1i d\u1ecbch Covid-19 \u0111\u00e3 \u1ea3nh h\u01b0\u1edfng s\u00e2u s\u1eafc \u0111\u1ebfn c\u00e1c n\u1ec1n kinh t\u1ebf. \u1ede n\u01b0\u1edbc ta, Ch\u00ednh ph\u1ee7 \u0111ang c\u00e2n nh\u1eafc h\u1ea1 m\u1ee5c ti\u00eau t\u0103ng tr\u01b0\u1edfng GDP c\u1ee7a n\u0103m nay, \u0111\u1ed3ng th\u1eddi c\u0169ng \u0111\u00e3 c\u00f3 g\u00f3i h\u1ed7 tr\u1ee3 l\u00ean \u0111\u1ebfn 62 ngh\u00ecn t\u1ef7 \u0111\u1ed3ng cho kho\u1ea3ng 20 tri\u1ec7u \u0111\u1ed1i t\u01b0\u1ee3ng b\u1ecb t\u00e1c \u0111\u1ed9ng n\u1eb7ng n\u1ec1 t\u1eeb \u0111\u1ea1i d\u1ecbch.<\/p>\n

Trong b\u00e1o c\u00e1o c\u1ee7a Ch\u00ednh ph\u1ee7 \u0111\u00e1nh gi\u00e1 b\u1ed5 sung k\u1ebft qu\u1ea3 th\u1ef1c hi\u1ec7n k\u1ebf ho\u1ea1ch ph\u00e1t tri\u1ec3n KT-XH v\u00e0 ng\u00e2n s\u00e1ch nh\u00e0 n\u01b0\u1edbc n\u0103m 2019, t\u00ecnh h\u00ecnh tri\u1ec3n khai th\u1ef1c hi\u1ec7n k\u1ebf ho\u1ea1ch ph\u00e1t tri\u1ec3n KT-XH v\u00e0 ng\u00e2n s\u00e1ch nh\u00e0 n\u01b0\u1edbc nh\u1eefng th\u00e1ng \u0111\u1ea7u n\u0103m 2020, tr\u00ecnh U\u1ef7 ban Th\u01b0\u1eddng v\u1ee5 Qu\u1ed1c h\u1ed9i s\u00e1ng 15\/5 v\u1eeba qua, Ch\u00ednh ph\u1ee7 \u0111\u00e3 nh\u1ea5n m\u1ea1nh y\u00eau c\u1ea7u x\u00e2y d\u1ef1ng c\u00e1c k\u1ecbch b\u1ea3n “v\u1ef1c d\u1eady” n\u1ec1n kinh t\u1ebf \u0111\u1ec3 n\u1ec1n kinh t\u1ebf s\u1eb5n s\u00e0ng chuy\u1ec3n sang tr\u1ea1ng th\u00e1i ho\u1ea1t \u0111\u1ed9ng b\u00ecnh th\u01b0\u1eddng m\u1edbi v\u00e0 c\u00e1c ph\u01b0\u01a1ng \u00e1n, k\u1ebf ho\u1ea1ch ph\u1ee5c h\u1ed3i ngay, ph\u00e1t tri\u1ec3n kinh t\u1ebf – x\u00e3 h\u1ed9i nhanh v\u00e0 b\u1ec1n v\u1eefng sau d\u1ecbch.<\/p>\n

Theo nh\u00ecn nh\u1eadn c\u1ee7a c\u00e1c chuy\u00ean gia, \u0111\u1ec3 nhanh ch\u00f3ng v\u1ef1c d\u1eady n\u1ec1n kinh t\u1ebf, b\u00ean c\u1ea1nh nh\u1eefng h\u1ed7 tr\u1ee3 t\u1eeb Ch\u00ednh ph\u1ee7 th\u00ec c\u00f2n ph\u1ea3i c\u00f3 ngu\u1ed3n v\u1ed1n \u0111\u1ee7 cho c\u00e1c doanh nghi\u1ec7p, ng\u01b0\u1eddi d\u00e2n t\u00e1i s\u1ea3n xu\u1ea5t.<\/p>\n

T\u1ea1i h\u1ed9i ngh\u1ecb c\u1ee7a Th\u1ee7 t\u01b0\u1edbng v\u1edbi c\u00e1c doanh nghi\u1ec7p m\u1edbi \u0111\u00e2y, ng\u01b0\u1eddi \u0111\u1ee9ng \u0111\u1ea7u ng\u00e0nh ng\u00e2n h\u00e0ng l\u00e0 Th\u1ed1ng \u0111\u1ed1c L\u00ea Minh H\u01b0ng \u0111\u00e3 cam k\u1ebft ng\u00e0nh ng\u00e2n h\u00e0ng s\u1ebd c\u1ea5p \u0111\u1ee7 v\u1ed1n v\u00e0 c\u1ed1 g\u1eafng gi\u1ea3m s\u00e2u h\u01a1n n\u1eefa l\u00e3i su\u1ea5t. Tuy nhi\u00ean, Th\u1ed1ng \u0111\u1ed1c c\u0169ng kh\u1eb3ng \u0111\u1ecbnh c\u00f3 th\u1ec3 h\u1ea1 l\u00e3i su\u1ea5t xu\u1ed1ng th\u1ea5p h\u01a1n song s\u1ebd kh\u00f4ng h\u1ea1 chu\u1ea9n cho vay. B\u1edfi v\u1eady vi\u1ec7c doanh nghi\u1ec7p, c\u00e1 nh\u00e2n c\u00f3 ph\u01b0\u01a1ng \u00e1n kinh doanh v\u00e0 tr\u1ea3 n\u1ee3 kh\u1ea3 thi th\u00ec ti\u1ebfp c\u1eadn ngu\u1ed3n v\u1ed1n ch\u00ednh th\u1ee9c v\u00e0 l\u00e3i su\u1ea5t h\u1ee3p l\u00fd l\u00e0 kh\u00f4ng kh\u00f3. Song v\u1edbi c\u00e1c \u0111\u1ed1i t\u01b0\u1ee3ng kh\u00e1ch h\u00e0ng, nh\u1ea5t l\u00e0 c\u00e1c kh\u00e1ch h\u00e0ng c\u00e1 nh\u00e2n d\u00ednh n\u1ee3 x\u1ea5u, b\u1ecb h\u1ea1 \u0111i\u1ec3m t\u00edn d\u1ee5ng th\u00ec kh\u00f4ng th\u1ec3 ti\u1ebfp c\u1eadn \u0111\u01b0\u1ee3c c\u00e1c ngu\u1ed3n v\u1ed1n ch\u00ednh th\u1ee9c v\u00e0 l\u00fac n\u00e0y l\u1ea1i l\u00e0m d\u1ea5y l\u00ean n\u1ed7i lo t\u00edn d\u1ee5ng \u0111en b\u00f9ng ph\u00e1t.<\/p>\n

Ri\u00eang v\u1ec1 n\u1ea1n t\u00edn d\u1ee5ng \u0111en, th\u1ef1c t\u1ebf tr\u00ean th\u1ecb tr\u01b0\u1eddng v\u1eabn lu\u00f4n t\u1ed3n t\u1ea1i nh\u1eefng t\u1ed5 ch\u1ee9c, c\u00e1 nh\u00e2n cho vay v\u1edbi l\u00e3i su\u1ea5t “c\u1eaft c\u1ed5”. Vi\u1ec7c vay v\u1ed1n t\u1eeb t\u00edn d\u1ee5ng \u0111en \u0111\u1ec3 l\u1ea1i h\u1eadu qu\u1ea3 nghi\u00eam tr\u1ecdng kh\u00f4ng ch\u1ec9 cho b\u1ea3n th\u00e2n ng\u01b0\u1eddi \u0111i vay (b\u1ecb \u0111\u00f2i n\u1ee3, kh\u1ee7ng b\u1ed1 tinh th\u1ea7n, ph\u1ea3i tr\u1ea3 l\u00e3i su\u1ea5t cao\u2026) m\u00e0 k\u00e9o theo h\u1ec7 lu\u1ef5 \u0111\u1ebfn c\u1ea3 gia \u0111\u00ecnh v\u00e0 x\u00e3 h\u1ed9i, l\u00e0m \u1ea3nh h\u01b0\u1edfng x\u1ea5u t\u1edbi c\u00e1c doanh nghi\u1ec7p, ng\u00e2n h\u00e0ng l\u00e0m \u0103n ch\u00e2n ch\u00ednh.<\/p>\n

V\u1eady l\u00e0m sao \u0111\u1ec3 doanh nghi\u1ec7p, ng\u01b0\u1eddi d\u00e2n, c\u00e1c h\u1ed9 s\u1ea3n xu\u1ea5t tr\u00e1nh \u0111\u01b0\u1ee3c b\u1eaby t\u00edn d\u1ee5ng \u0111en, l\u00e0m sao \u0111\u1ec3 ti\u1ebfp c\u1eadn \u0111\u01b0\u1ee3c ngu\u1ed3n v\u1ed1n ch\u00ednh th\u1ee9c v\u1edbi l\u00e3i su\u1ea5t h\u1ee3p l\u00fd, an to\u00e0n, hi\u1ec7u qu\u1ea3, nh\u1eefng ch\u00ednh s\u00e1ch n\u00e0o \u0111\u01b0\u1ee3c khuy\u1ebfn ngh\u1ecb \u0111\u1ec3 th\u00fac \u0111\u1ea9y cho vay c\u00e1 nh\u00e2n giai \u0111o\u1ea1n h\u1eadu Covid-19\u2026l\u00e0 c\u00e2u h\u1ecfi m\u00e0 nhi\u1ec1u ng\u01b0\u1eddi quan t\u00e2m hi\u1ec7n nay.<\/p>\n

G\u00f3p ph\u1ea7n gi\u1ea3i \u0111\u00e1p c\u00e1c v\u1ea5n \u0111\u1ec1 tr\u00ean, k\u00eanh th\u00f4ng tin t\u00e0i ch\u00ednh CafeF ph\u1ed1i h\u1ee3p v\u1edbi chuy\u00ean trang Tr\u00ed th\u1ee9c tr\u1ebb, B\u00e1o \u0111i\u1ec7n t\u1eed T\u1ed5 qu\u1ed1c s\u1ebd t\u1ed5 ch\u1ee9c bu\u1ed5i T\u1ecda \u0111\u00e0m tr\u1ef1c tuy\u1ebfn v\u1edbi s\u1ef1 tham gia c\u1ee7a c\u00e1c chuy\u00ean gia \u0111\u1ea7u ng\u00e0nh l\u00e0\u00a0TS. C\u1ea5n V\u0103n L\u1ef1c<\/strong>\u00a0v\u00e0\u00a0Lu\u1eadt s\u01b0 Tr\u01b0\u01a1ng Thanh \u0110\u1ee9c<\/strong>, c\u00f9ng v\u1edbi \u0111\u1ea1i di\u1ec7n \u0111\u1ebfn t\u1eeb Ng\u00e2n h\u00e0ng Nh\u00e0 n\u01b0\u1edbc Vi\u1ec7t Nam. Bu\u1ed5i t\u1ecda \u0111\u00e0m s\u1ebd di\u1ec5n ra v\u00e0o s\u00e1ng ng\u00e0y 20\/5, \u0111\u01b0\u1ee3c tr\u1ef1c tuy\u1ebfn tr\u00ean chuy\u00ean trang Tr\u00ed th\u1ee9c tr\u1ebb v\u00e0 trang tin CafeF.<\/p>\n

Theo\u00a0Tr\u00ed th\u1ee9c tr\u1ebb<\/p>\n

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

CafeF (Giao l\u01b0u tr\u1ef1c tuy\u1ebfn) 20-5-2020:<\/em><\/strong><\/p>\n

https:\/\/cafef.vn\/big-story\/truc-tuyen-giai-phap-tiep-can-nguon-von-ca-nhan-hau-covid-19-20200520075507462.chn<\/em><\/a><\/p>\n

(1.096\/6.193)<\/em><\/p>\n

CafeF (T\u1ecda \u0111\u00e0m tr\u1ef1c tuy\u1ebfn) 20-5-2020:<\/em><\/strong><\/p>\n

Gi\u1ea3i ph\u00e1p ti\u1ebfp c\u1eadn ngu\u1ed3n v\u1ed1n c\u00e1 nh\u00e2n h\u1eadu COVID-19<\/strong><\/p>\n

D\u1ef1 ki\u1ebfn n\u1ed9i dung h\u1ecfi Lu\u1eadt s\u01b0 Tr\u01b0\u01a1ng Thanh \u0110\u1ee9c<\/strong><\/p>\n

    \n
  1. C\u00e1c t\u1ed5 ch\u1ee9c t\u00edn d\u1ee5ng \u0111\u01b0\u1ee3c cho vay v\u1edbi l\u00e3i su\u1ea5t t\u1ed1i \u0111a l\u00e0 bao nhi\u00eau? L\u00e3i su\u1ea5t th\u1ebf n\u00e0o th\u00ec b\u1ecb coi l\u00e0 t\u00edn d\u1ee5ng \u0111en v\u00e0 x\u1eed l\u00fd h\u00ecnh s\u1ef1?<\/em><\/li>\n<\/ol>\n

    Theo quy \u0111\u1ecbnh hi\u1ec7n h\u00e0nh, c\u00e1c t\u1ed5 ch\u1ee9c t\u00edn d\u1ee5ng kh\u00f4ng b\u1ecb gi\u1edbi h\u1ea1n m\u1ee9c l\u00e3i su\u1ea5t cho vay t\u1ed1i \u0111a, tr\u1eeb m\u1ed9t s\u1ed1 tr\u01b0\u1eddng h\u1ee3p cho vay ng\u1eafn h\u1ea1n b\u1eb1ng \u0111\u1ed3ng Vi\u1ec7t Nam kh\u00f4ng v\u01b0\u1ee3t qu\u00e1 5 \u2013 6% \u0111\u1ed1i v\u1edbi 5 l\u0129nh v\u1ef1c nh\u01b0 ph\u1ee5c v\u1ee5 l\u0129nh v\u1ef1c ph\u00e1t tri\u1ec3n n\u00f4ng nghi\u1ec7p, n\u00f4ng th\u00f4n; kinh doanh h\u00e0ng xu\u1ea5t kh\u1ea9u; doanh nghi\u1ec7p nh\u1ecf v\u00e0 v\u1eeba; ph\u00e1t tri\u1ec3n c\u00f4ng nghi\u1ec7p h\u1ed7 tr\u1ee3 v\u00e0 doanh nghi\u1ec7p \u1ee9ng d\u1ee5ng c\u00f4ng ngh\u1ec7 cao, theo quy \u0111\u1ecbnh t\u1ea1i \u0110i\u1ec1u 13 v\u1ec1 \u201cL\u00e3i su\u1ea5t cho vay\u201d, Th\u00f4ng t\u01b0 s\u1ed1 39\/2016\/TT-NHNN ng\u00e0y 30-12-2016 c\u1ee7a Th\u1ed1ng \u0111\u1ed1c NHNN \u201cQuy \u0111\u1ecbnh v\u1ec1 ho\u1ea1t \u0111\u1ed9ng cho vay c\u1ee7a TCTD, chi nh\u00e1nh ng\u00e2n h\u00e0ng n\u01b0\u1edbc ngo\u00e0i \u0111\u1ed1i v\u1edbi kh\u00e1ch h\u00e0ng\u201d.<\/p>\n

    \u0110\u1ed1i v\u1edbi cho vay b\u00ean ngo\u00e0i c\u00e1c t\u1ed5 ch\u1ee9c t\u00edn d\u1ee5ng, th\u00ec ch\u1ec9 \u0111\u01b0\u1ee3c ph\u00e9p cho vay v\u1edbi l\u00e3i su\u1ea5t kh\u00f4ng qu\u00e1 20%\/n\u0103m theo quy \u0111\u1ecbnh c\u1ee7a B\u1ed9 lu\u1eadt D\u00e2n s\u1ef1 n\u0103m 2015. N\u1ebfu cho vay l\u00e3i cao h\u01a1n, c\u1ed9ng v\u1edbi m\u1ed9t v\u00e0i d\u1ea5u hi\u1ec7u ph\u1ea1m ph\u00e1p kh\u00e1c th\u00ec b\u1ecb coi l\u00e0 t\u00edn d\u1ee5ng \u0111en.<\/p>\n

    C\u00f2n cho vay v\u1edbi l\u00e3i su\u1ea5t t\u1eeb 100%\/n\u0103m tr\u1edf l\u00ean, c\u00f9ng v\u1edbi vi\u1ec7c thu l\u1ee3i b\u1ea5t ch\u00ednh t\u1eeb 30 tri\u1ec7u \u0111\u1ed3ng tr\u1edf l\u00ean th\u00ec s\u1ebd ph\u1ea1m \u201cT\u1ed9i cho vay l\u00e3i n\u1eb7ng trong giao d\u1ecbch d\u00e2n s\u1ef1\u201d theo quy \u0111\u1ecbnh t\u1ea1i \u0110i\u1ec1u 201 c\u1ee7a B\u1ed9 lu\u1eadt H\u00ecnh s\u1ef1 n\u0103m 2015.<\/p>\n

      \n
    1. C\u00f3 nhi\u1ec1u ng\u01b0\u1eddi kh\u00f4ng t\u00ednh to\u00e1n khi \u0111i vay m\u00e0 c\u1ee9 vay \u0111\u01b0\u1ee3c l\u00e0 vay. H\u1ecd c\u00f3 tr\u00e1ch nhi\u1ec7m g\u00ec khi \u0111\u00e3 k\u00fd h\u1ee3p \u0111\u1ed3ng vay v\u1ed1n v\u1edbi t\u1ed5 ch\u1ee9c t\u00edn d\u1ee5ng? V\u1eady n\u1ebfu vay v\u1ed1n kh\u00f4ng tr\u1ea3 \u0111\u01b0\u1ee3c n\u1ee3 s\u1ebd th\u1ebf n\u00e0o?<\/em><\/li>\n<\/ol>\n

      Nhi\u1ec1u ng\u01b0\u1eddi qu\u00ean \u0111i tri\u1ebft l\u00fd mang t\u00ednh nguy\u00ean t\u1eafc b\u1eaft bu\u1ed9c l\u00e0 c\u00f3 vay c\u00f3 tr\u1ea3, \u0111\u00f4i khi c\u1ee9 mu\u1ed1n vay l\u1ea5y \u0111\u01b0\u1ee3c m\u00e0 kh\u00f4ng ngh\u0129 \u0111\u1ebfn vi\u1ec7c ph\u1ea3i tr\u1ea3 v\u00e0 l\u1ea5y g\u00ec \u0111\u1ec3 tr\u1ea3 n\u1ee3. N\u1ee3 qu\u00e1 h\u1ea1n, n\u1ee3 x\u1ea5u<\/p>\n

      Khi \u0111\u00e3 k\u00fd h\u1ee3p \u0111\u1ed3ng vay v\u1ed1n th\u00ec ngh\u0129a v\u1ee5 quan tr\u1ecdng nh\u1ea5t l\u00e0 ph\u1ea3i tr\u1ea3 n\u1ee3 \u0111\u1ea7y \u0111\u1ee7, \u0111\u00fang h\u1ea1n.<\/p>\n

      N\u1ebfu ng\u01b0\u1eddi vay v\u1ed1n m\u00e0 kh\u00f4ng tr\u1ea3 \u0111\u01b0\u1ee3c n\u1ee3 th\u00ec s\u1ebd ph\u1ea3i ch\u1ecbu ch\u1ebf t\u00e0i nh\u01b0 tr\u1ea3 l\u00e3i qu\u00e1 h\u1ea1n kh\u00e1 cao; m\u1ea5t t\u00edn nhi\u1ec7m, c\u00f3 l\u1ecbch s\u1eed t\u00edn d\u1ee5ng x\u1ea5u, c\u00f3 nguy c\u01a1 kh\u00f4ng \u0111\u01b0\u1ee3c vay v\u1ed1n trong c\u1ea3 h\u1ec7 th\u1ed1ng t\u1ed5 ch\u1ee9c t\u00edn d\u1ee5ng.<\/p>\n

      Th\u1eadm ch\u00ed, c\u00f3 d\u1ea5u hi\u1ec7u chi\u1ebfm \u0111o\u1ea1t kho\u1ea3n ti\u1ec1n vay nh\u01b0 gian d\u1ed1i, c\u1ed1 t\u00ecnh kh\u00f4ng tr\u1ea3 n\u1ee3 th\u00ec c\u00f2n c\u00f3 th\u1ec3 ph\u1ea1m t\u1ed9i h\u00ecnh s\u1ef1 l\u1ea1m d\u1ee5ng t\u00edn nhi\u1ec7m chi\u1ebfm \u0111o\u1ea1t t\u00e0i s\u1ea3n.<\/p>\n

        \n
      1. N\u1ebfu kh\u00f4ng thu \u0111\u01b0\u1ee3c n\u1ee3 th\u00ec b\u00ean cho vay c\u00f3 quy\u1ec1n l\u1ee3i g\u00ec? <\/em><\/li>\n<\/ol>\n

        B\u00ean cho vay c\u00f3 quy\u1ec1n chuy\u1ec3n th\u00e0nh n\u1ee3 qu\u00e1 h\u1ea1n, n\u1ee3 x\u1ea5u, t\u00ednh th\u00eam m\u1ee9c l\u00e3i qu\u00e1 h\u1ea1n; kh\u00f4ng cho vay sau n\u00e0y; thu gi\u1eef v\u00e0 x\u1eed l\u00fd t\u00e0i s\u1ea3n b\u1ea3o \u0111\u1ea3m (n\u1ebfu c\u00f3); kh\u1edfi ki\u1ec7n ra T\u00f2a \u00e1n ho\u1eb7c Tr\u1ecdng t\u00e0i \u0111\u00f2i n\u1ee3. Th\u1eadm ch\u00ed c\u00f3 th\u1ec3 y\u00eau c\u1ea7u kh\u1edfi t\u1ed1 h\u00ecnh s\u1ef1 v\u1ec1 t\u1ed9i L\u1ea1m d\u1ee5ng t\u00edn nhi\u1ec7m chi\u1ebfm \u0111o\u1ea1t t\u00e0i s\u1ea3n theo quy \u0111\u1ecbnh t\u1ea1i \u0110i\u1ec1u 175 v\u1ec1 \u201cT\u1ed9i l\u1ea1m d\u1ee5ng t\u00edn nhi\u1ec7m chi\u1ebfm \u0111o\u1ea1t t\u00e0i s\u1ea3n\u201d c\u1ee7a B\u1ed9 lu\u1eadt H\u00ecnh s\u1ef1 n\u0103m 2015.<\/p>\n

          \n
        1. C\u00e1c \u0111\u1ed1i t\u01b0\u1ee3ng ng\u01b0\u1eddi n\u01b0\u1edbc ngo\u00e0i v\u00e0o Vi\u1ec7t Nam cho vay t\u00edn d\u1ee5ng \u0111en ho\u1eb7c c\u00e1c h\u00ecnh th\u1ee9c tr\u00e1i ph\u00e9p kh\u00e1c c\u00f3 b\u1ecb x\u1eed l\u00fd nh\u01b0 c\u00e1c \u0111\u1ed1i t\u01b0\u1ee3ng trong n\u01b0\u1edbc kh\u00f4ng? C\u1ee5 th\u1ec3 th\u1ebf n\u00e0o? C\u00f3 ph\u1ea3i l\u00e3i su\u1ea5t cho vay c\u00e0ng cao th\u00ec b\u1ecb x\u1eed l\u00fd c\u00e0ng n\u1eb7ng?<\/em><\/li>\n<\/ol>\n

          V\u1ec1 nguy\u00ean t\u1eafc, m\u1ecdi h\u00e0nh vi vi ph\u1ea1m ph\u00e1p lu\u1eadt d\u00e2n s\u1ef1, h\u00e0nh ch\u00ednh hay h\u00ecnh s\u1ef1 c\u1ee7a ng\u01b0\u1eddi n\u01b0\u1edbc ngo\u00e0i tr\u00ean l\u00e3nh th\u1ed5 Vi\u1ec7t Nam c\u0169ng b\u1ecb x\u1eed l\u00fd nh\u01b0 \u0111\u1ed1i v\u1edbi ng\u01b0\u1eddi Vi\u1ec7t Nam.<\/p>\n

          N\u1ebfu b\u1ecb kh\u1edfi ki\u1ec7n ra to\u00e0 th\u00ec s\u1ebd kh\u00f4ng \u0111\u01b0\u1ee3c th\u1eeba nh\u1eadn ph\u1ea7n l\u00e3i su\u1ea5t v\u01b0\u1ee3t qu\u00e1 20%\/n\u0103m<\/p>\n

          N\u1ebfu b\u1ecb x\u1eed ph\u1ea1t v\u1ec1 t\u1ed9i Cho vay l\u00e3i n\u1eb7ng th\u00ec ngo\u00e0i ch\u1ecbu h\u00ecnh ph\u1ea1t ch\u00ednh, s\u1ebd b\u1ecb t\u1ecbch thu to\u00e0n b\u1ed9 s\u1ed1 ti\u1ec1n g\u1ed1c v\u00e0 l\u00e3i cho vay ph\u1ea1m ph\u00e1p.<\/p>\n

          5.V\u00ec sao c\u01a1 quan c\u00f4ng an \u0111\u00e3 b\u1eaft giam, kh\u1edfi t\u1ed1 v\u00e0 \u0111\u01b0a ra x\u00e9t x\u1eed nhi\u1ec1u v\u1ee5 \u00e1n li\u00ean quan t\u00edn d\u1ee5ng \u0111en m\u00e0 t\u00edn d\u1ee5ng \u0111en v\u1eabn ph\u00e1t tri\u1ec3n? <\/em><\/p>\n

          Di\u1ec5n ra m\u1ed9t c\u00e1ch tr\u00e0n lan, ph\u1ed5 bi\u1ebfn, nh\u1ea5t l\u00e0 cho vay tr\u00ean m\u1ea1ng.<\/p>\n

          Kh\u00f3 x\u1eed l\u00fd v\u00ec ranh gi\u1edbi m\u1eadp m\u1edd do c\u00e1c \u0111\u1ed1i t\u01b0\u1ee3ng cho vay l\u00e3i n\u1eb7ng n\u1eafm r\u00f5 ph\u00e1p lu\u1eadt, t\u00ecm m\u1ecdi c\u00e1ch l\u00e1ch lu\u1eadt, th\u01b0\u1eddng ghi tr\u00ean gi\u1ea5y tr\u1eafng m\u1ef1c \u0111en m\u1ee9c l\u00e3i su\u1ea5t kh\u00f4ng v\u01b0\u1ee3t qu\u00e1 20%, c\u00f2n ph\u1ea7n l\u00e3i su\u1ea5t v\u01b0\u1ee3t qu\u00e1 th\u01b0\u1eddng \u0111\u01b0\u1ee3c t\u00e1ch ri\u00eang b\u1eb1ng nhi\u1ec1u c\u00e1ch th\u1ee9c kh\u00e1c nhau, nh\u01b0 b\u1edbt \u0111i ph\u1ea7n ti\u1ec1n g\u1ed1c th\u1ef1c nh\u1eadn, tr\u1ea3 th\u00eam l\u00e3i ngo\u00e0i gi\u1ea5y t\u1edd hay ph\u1ea3i tr\u1ea3 nhi\u1ec1u lo\u1ea1i ph\u00ed kh\u00e1c nhau.<\/p>\n

          M\u1ee9c l\u00e3i su\u1ea5t cho vay v\u01b0\u1ee3t 20 \u0111\u1ebfn d\u01b0\u1edbi 100% l\u00e0 ph\u1ea1m ph\u00e1p (ch\u01b0a \u0111\u1ebfn m\u1ee9c x\u1eed l\u00fd h\u00ecnh s\u1ef1) nh\u01b0ng l\u1ea1i kh\u00f4ng b\u1ecb x\u1eed ph\u1ea1t vi ph\u1ea1m h\u00e0nh ch\u00ednh, tr\u1eeb \u0111\u1ed1i v\u1edbi m\u1ed9t v\u00e0i tr\u01b0\u1eddng h\u1ee3p nh\u01b0 cho vay c\u1ea7m \u0111\u1ed3.<\/p>\n

            \n
          1. L\u00e0m sao \u0111\u1ec3 ng\u01b0\u1eddi d\u00e2n nh\u1eadn di\u1ec7n \u0111\u01b0\u1ee3c m\u00ecnh \u0111ang vay v\u1ed1n h\u1ee3p ph\u00e1p hay kh\u00f4ng? <\/em><\/li>\n<\/ol>\n

            Vay v\u1ed1n \u1edf doanh nghi\u1ec7p c\u00f3 \u0110\u0103ng k\u00fd kinh doanh h\u1ee3p ph\u00e1p (c\u00f3 th\u1ec3 tra c\u1ee9u tr\u00ean C\u1ed5ng \u0111\u0103ng k\u00fd doanh nghi\u1ec7p qu\u1ed1c gia), nh\u01b0 c\u00e1c t\u1ed5 ch\u1ee9c t\u00edn d\u1ee5ng kinh doanh d\u1ecbch v\u1ee5 c\u1ea7m c\u1ed3 ch\u1eb3ng h\u1ea1n. N\u1ebfu kh\u00f4ng c\u00f3 \u0111\u0103ng k\u00fd kinh doanh ho\u1eb7c \u0111\u0103ng k\u00fd kinh doanh kh\u00f4ng ph\u1ea3i l\u00e0 ho\u1ea1t \u0111\u1ed9ng cho vay m\u00e0 cho nhi\u1ec1u ng\u01b0\u1eddi vay m\u1ed9t c\u00e1ch th\u01b0\u1eddng xuy\u00ean, li\u00ean t\u1ee5c c\u00f3 t\u00ednh ch\u1ea5t chuy\u00ean nghi\u1ec7p.<\/p>\n

            D\u1ecbch v\u1ee5 cho vay c\u1ea7m \u0111\u1ed3 h\u1ee3p ph\u00e1p th\u00ec c\u0169ng ch\u1ec9 \u0111\u01b0\u1ee3c ph\u00e9p cho vay c\u1ea7m \u0111\u1ed3, ch\u1ee9 kh\u00f4ng \u0111\u01b0\u1ee3c ph\u00e9p cho vay kh\u00f4ng c\u00f3 t\u00e0i s\u1ea3n b\u1ea3o \u0111\u1ea3m.<\/p>\n

            N\u1ebfu kh\u00f4ng ph\u1ea3i l\u00e0 t\u1ed5 ch\u1ee9c t\u00edn d\u1ee5ng th\u00ec l\u00e3i su\u1ea5t, c\u1ed9ng ph\u00ed kh\u00f4ng qu\u00e1 cao.<\/p>\n

              \n
            1. Tr\u00ean m\u1ea1ng x\u00e3 h\u1ed9i c\u00f3 nhi\u1ec1u h\u1ed9i, nh\u00f3m b\u00e0y nhau c\u00e1ch tr\u1ed1n n\u1ee3, c\u00e1ch vay ti\u1ec1n r\u1ed3i b\u00f9ng n\u1ee3\u2026<\/em> c\u00e1c h\u00e0nh \u0111\u1ed9ng n\u00e0y vi ph\u1ea1m ph\u00e1p lu\u1eadt nh\u01b0 th\u1ebf n\u00e0o?<\/em><\/li>\n<\/ol>\n

              Vi ph\u1ea1m ngh\u0129a v\u1ee5 tr\u1ea3 n\u1ee3 theo quy \u0111\u1ecbnh c\u1ee7a ph\u00e1p lu\u1eadt v\u00e0 h\u1ee3p \u0111\u1ed3ng.<\/p>\n

              Vay ti\u1ec1n r\u1ed3i d\u00f9ng th\u1ee7 \u0111o\u1ea1n gian d\u1ed1i ho\u1eb7c b\u1ecf tr\u1ed1n \u0111\u1ec3 chi\u1ebfm \u0111o\u1ea1t t\u1eeb 4 tri\u1ec7u \u0111\u1ed3ng tr\u1edf l\u00ean ho\u1eb7c \u0111\u1ebfn th\u1eddi h\u1ea1n tr\u1ea3 l\u1ea1i t\u00e0i s\u1ea3n m\u1eb7c d\u00f9 c\u00f3 \u0111i\u1ec1u ki\u1ec7n, kh\u1ea3 n\u0103ng nh\u01b0ng c\u1ed1 t\u00ecnh kh\u00f4ng tr\u1ea3 ho\u1eb7c \u0111\u00e3 s\u1eed d\u1ee5ng t\u00e0i s\u1ea3n \u0111\u00f3 v\u00e0o m\u1ee5c \u0111\u00edch b\u1ea5t h\u1ee3p ph\u00e1p d\u1eabn \u0111\u1ebfn kh\u00f4ng c\u00f3 kh\u1ea3 n\u0103ng tr\u1ea3 l\u1ea1i t\u00e0i s\u1ea3n th\u00ec s\u1ebd ph\u1ea1m \u201cT\u1ed9i l\u1ea1m d\u1ee5ng t\u00edn nhi\u1ec7m chi\u1ebfm \u0111o\u1ea1t t\u00e0i s\u1ea3n\u201d theo quy \u0111\u1ecbnh t\u1ea1i \u0110i\u1ec1u 175 c\u1ee7a B\u1ed9 lu\u1eadt H\u00ecnh s\u1ef1 n\u0103m 2015.<\/p>\n

                \n
              1. C\u00f3 c\u01a1 quan n\u00e0o b\u1ea3o v\u1ec7 ng\u01b0\u1eddi d\u00e2n trong ho\u1ea1t \u0111\u1ed9ng vay v\u1ed1n?<\/em><\/li>\n<\/ol>\n

                Kh\u00f4ng c\u00f3 c\u01a1 quan c\u1ee5 th\u1ec3, chuy\u00ean tr\u00e1ch b\u1ea3o v\u1ec7 tr\u1ef1c ti\u1ebfp, m\u00e0 ch\u1ec9 c\u00f3 c\u00e1c c\u01a1 quan li\u00ean quan \u0111\u1ebfn vi\u1ec7c qu\u1ea3n l\u00fd ho\u1ea1t \u0111\u1ed9ng, \u0111\u1ed3ng th\u1eddi tham gia b\u1ea3o v\u1ec7 quy\u1ec1n l\u1ee3i c\u1ee7a ng\u01b0\u1eddi ti\u00eau d\u00f9ng nh\u01b0 C\u1ee5c qu\u00e1n l\u00fd c\u1ea1nh tranh thu\u1ed9c B\u1ed9 C\u00f4ng th\u01b0\u01a1ng, C\u01a1 quan thanh tra, gi\u00e1m s\u00e1t ng\u00e2n h\u00e0ng thu\u1ed9c Ng\u00e2n h\u00e0ng Nh\u00e0 n\u01b0\u1edbc hay l\u00e0 c\u01a1 quan c\u00f4ng an, v\u1edbi vai tr\u00f2 b\u1ea3o v\u1ec7 tr\u1eadt t\u1ef1, tr\u1ecb an x\u00e3 h\u1ed9i; c\u00e1c c\u01a1 quan \u0111i\u1ec1u tra, truy t\u1ed1, x\u00e9t x\u1eed c\u00e1c tranh ch\u1ea5p v\u00e0 vi ph\u1ea1m ph\u00e1p lu\u1eadt.<\/p>\n

                  \n
                1. Nhi\u1ec1u ng\u00e2n h\u00e0ng, c\u00f4ng ty t\u00e0i ch\u00ednh y\u00eau c\u1ea7u ng\u01b0\u1eddi vay v\u1ed1n mua b\u1ea3o hi\u1ec3m t\u00edn d\u1ee5ng, \u0111i\u1ec1u n\u00e0y c\u00f3 \u0111\u00fang quy \u0111\u1ecbnh? Theo lu\u1eadt s\u01b0 vi\u1ec7c mua b\u1ea3o hi\u1ec3m c\u00f3 c\u1ea7n thi\u1ebft?<\/em><\/li>\n<\/ol>\n

                  Ph\u00e1p lu\u1eadt kh\u00f4ng quy \u0111\u1ecbnh c\u1ee5 th\u1ec3 v\u1ec1 vi\u1ec7c ph\u1ea3i hay kh\u00f4ng ph\u1ea3i mua b\u1ea3o hi\u1ec3m t\u00edn d\u1ee5ng m\u00e0 l\u00e0 theo tho\u1ea3 thu\u1eadn gi\u1eefa t\u1ed5 ch\u1ee9c t\u00edn d\u1ee5ng v\u1edbi kh\u00e1ch h\u00e0ng vay v\u1ed1n.<\/p>\n

                  Vi\u1ec7c mua b\u1ea3o hi\u1ec3m t\u00edn d\u1ee5ng l\u00e0 c\u1ea7n thi\u1ebft \u0111\u1ed1i v\u1edbi c\u00e1c s\u1ea3n ph\u1ea9m t\u00edn d\u1ee5ng c\u00f3 m\u1ee9c \u0111\u1ed9 r\u1ee7i ro cao \u0111\u1ec3 b\u1ea3o \u0111\u1ea3m s\u1ef1 an to\u00e0n cho ho\u1ea1t \u0111\u1ed9ng c\u1ee7a c\u00e1c t\u1ed5 ch\u1ee9c t\u00edn d\u1ee5ng. Tuy nhi\u00ean vi\u1ec7c n\u00e0y c\u0169ng l\u00e0m t\u0103ng \u0111\u00e1ng k\u1ec3 chi ph\u00ed vay v\u1ed1n c\u1ee7a kh\u00e1ch h\u00e0ng.<\/p>\n

                    \n
                  1. C\u00e1c h\u00ecnh th\u1ee9c cho vay qua m\u1ea1ng th\u00f4ng qua c\u00e1c trang web, cho vay ngang h\u00e0ng c\u00f3 h\u1ee3p l\u1ec7?<\/em><\/li>\n<\/ol>\n

                    C\u00e1c h\u00ecnh th\u1ee9c cho vay n\u00e0y c\u00f3 th\u1ec3 vi ph\u1ea1m ho\u1eb7c kh\u00f4ng vi ph\u1ea1m ph\u00e1p lu\u1eadt tu\u1ef3 thu\u1ed9c ph\u1ea3i c\u00e1c tr\u01b0\u1eddng h\u1ee3p kh\u00e1c nhau nh\u01b0 sau:<\/p>\n

                    Th\u1ee9 nh\u1ea5t,<\/em> n\u1ebfu doanh nghi\u1ec7p, c\u00e1 nh\u00e2n ho\u1ea1t \u0111\u1ed9ng cho vay v\u1edbi s\u1ed1 ti\u1ec1n l\u1edbn m\u1ed9t c\u00e1ch th\u01b0\u1eddng xuy\u00ean, li\u00ean t\u1ee5c, chuy\u00ean nghi\u1ec7p nh\u01b0 \u0111i vay \u0111\u1ec3 cho vay hay nh\u01b0 m\u1ed9t ho\u1ea1t \u0111\u1ed9ng kinh doanh ch\u00ednh, th\u00ec l\u00e0 ho\u1ea1t \u0111\u1ed9ng cho vay b\u1ea5t h\u1ee3p ph\u00e1p, v\u00ec kh\u00f4ng \u0111\u01b0\u1ee3c Ng\u00e2n h\u00e0ng Nh\u00e0 n\u01b0\u1edbc c\u1ea5p ph\u00e9p hay ph\u00e1p lu\u1eadt cho ph\u00e9p. Tr\u01b0\u1eddng h\u1ee3p n\u00e0y s\u1ebd vi ph\u1ea1m quy \u0111\u1ecbnh \u201cNghi\u00eam c\u1ea5m c\u00e1 nh\u00e2n, t\u1ed5 ch\u1ee9c kh\u00f4ng ph\u1ea3i l\u00e0 t\u1ed5 ch\u1ee9c t\u00edn d\u1ee5ng th\u1ef1c hi\u1ec7n ho\u1ea1t \u0111\u1ed9ng ng\u00e2n h\u00e0ng\u201d<\/a><\/a><\/a><\/a> t\u1ea1i kho\u1ea3n 2, \u0110i\u1ec1u 8 v\u1ec1 \u201cQuy\u1ec1n ho\u1ea1t \u0111\u1ed9ng ng\u00e2n h\u00e0ng\u201d, Lu\u1eadt C\u00e1c t\u1ed5 ch\u1ee9c t\u00edn d\u1ee5ng n\u0103m 2010;<\/p>\n

                    Th\u1ee9 hai,<\/em> n\u1ebfu doanh nghi\u1ec7p, c\u00e1 nh\u00e2n tham gia cho vay b\u1eb1ng s\u1ed1 ti\u1ec1n nh\u00e0n r\u1ed7i kh\u00f4ng qu\u00e1 l\u1edbn, kh\u00f4ng ph\u1ea3i l\u00e0 ho\u1ea1t \u0111\u1ed9ng kinh doanh th\u01b0\u1eddng xuy\u00ean, chuy\u00ean nghi\u1ec7p, th\u00ec l\u00e0 ho\u1ea1t \u0111\u1ed9ng h\u1ee3p ph\u00e1p, h\u1ee3p l\u1ec7. Th\u1eadm ch\u00ed ph\u00e1p lu\u1eadt thu\u1ebf c\u00f2n quy \u0111\u1ecbnh \u0111\u01b0\u1ee3c mi\u1ec5n thu\u1ebf gi\u00e1 tr\u1ecb gia t\u0103ng;<\/p>\n

                    Th\u1ee9 ba,<\/em> n\u1ebfu doanh nghi\u1ec7p, c\u00e1 nh\u00e2n ch\u1ec9 \u0111\u00f3ng vai tr\u00f2 trung gian k\u1ebft n\u1ed1i, t\u01b0 v\u1ea5n, h\u1ed7 tr\u1ee3 c\u00e1c \u0111\u1ed1i t\u01b0\u1ee3ng tr\u00ean \u0111\u1ec3 h\u1ecd cho ng\u01b0\u1eddi kh\u00e1c vay th\u00ec l\u00e0 h\u1ee3p ph\u00e1p, v\u00ec kh\u00f4ng tr\u1ef1c ti\u1ebfp th\u1ef1c hi\u1ec7n ho\u1ea1t \u0111\u1ed9ng cho vay.<\/p>\n

                      \n
                    1. C\u00e1c ng\u00e2n h\u00e0ng, c\u00f4ng ty t\u00e0i ch\u00ednh c\u1ea7n l\u00e0m g\u00ec \u0111\u1ec3 th\u00fac \u0111\u1ea9y cho vay c\u00e1 nh\u00e2n?<\/em><\/li>\n<\/ol>\n

                      C\u1ea7n c\u00f3 c\u00e1c d\u1eef li\u1ec7u \u0111\u00e1nh gi\u00e1, th\u1ea9m \u0111\u1ecbnh kh\u00e1ch h\u00e0ng nhanh ch\u00f3ng, ch\u00ednh x\u00e1c, th\u1ef1c t\u1ebf.<\/p>\n

                      X\u00e2y d\u1ef1ng c\u00e1c s\u1ea3n ph\u1ea9m t\u00edn d\u1ee5ng ph\u00f9 h\u1ee3p v\u1edbi nhu c\u1ea7u c\u1ee7a kh\u00e1ch h\u00e0ng v\u00e0 th\u1ecb tr\u01b0\u1eddng.<\/p>\n

                      Ch\u1ea5p nh\u1eadn r\u1ee7i ro \u1edf m\u1ed9t m\u1ee9c \u0111\u1ed9 h\u1ee3p l\u00fd, an to\u00e0n, ch\u1ecbu \u0111\u1ef1ng \u0111\u01b0\u1ee3c.<\/p>\n

                        \n
                      1. C\u1ea7n c\u00f3 nh\u1eefng ch\u00ednh s\u00e1ch g\u00ec (v\u1ec1 ph\u00eda c\u01a1 quan qu\u1ea3n l\u00fd, Nh\u00e0 n\u01b0\u1edbc) \u0111\u1ec3 th\u00fac \u0111\u1ea9y cho vay c\u00e1 nh\u00e2n trong giai \u0111o\u1ea1n hi\u1ec7n nay?<\/em><\/li>\n<\/ol>\n

                        S\u1eeda \u0111\u1ed5i quy \u0111\u1ecbnh th\u00fac \u0111\u1ea9y ph\u00e1t tri\u1ec3n m\u1ea1ng l\u01b0\u1edbi c\u1ee7a c\u00e1c t\u1ed5 ch\u1ee9c t\u00edn d\u1ee5ng \u0111\u1ec3 m\u1edf r\u1ed9ng kh\u1ea3 n\u0103ng cho vay v\u00e0 s\u1ef1u c\u1ea1nh tranh.<\/p>\n

                        Ho\u00e0n thi\u1ec7n h\u00e0nh lang ph\u00e1p l\u00fd \u0111\u1ec3 t\u1ea1o \u0111i\u1ec1u ki\u1ec7n thu\u1eadn l\u1ee3i trong vi\u1ec7c m\u1edf r\u1ed9ng cho vay ti\u00eau d\u00f9ng.<\/p>\n

                          \n
                        1. Lu\u1eadt s\u01b0 khuy\u1ebfn ngh\u1ecb g\u00ec v\u1edbi ng\u01b0\u1eddi d\u00e2n \u0111\u1ec3 vay v\u1ed1n an to\u00e0n, hi\u1ec7u qu\u1ea3?<\/em><\/li>\n<\/ol>\n

                          Ch\u1ec9 \u0111i vay khi c\u00f3 nhu c\u1ea7u th\u1eadt s\u1ef1 c\u1ea7n thi\u1ebft v\u00e0 c\u00f3 kh\u1ea3 n\u0103ng tr\u1ea3 n\u1ee3 vay.<\/p>\n

                          Xem x\u00e9t k\u1ef9 l\u01b0\u1ee1ng kh\u1ea3 n\u0103ng \u0111\u00e1p \u1ee9ng c\u00e1c \u0111i\u1ec1u ki\u1ec7n vay v\u1ed1n, tr\u1ea3 n\u1ee3, nh\u1ea5t l\u00e0 l\u00e3i su\u1ea5t.<\/p>\n

                          C\u1ed1 g\u1eafng tr\u1ea3 n\u1ee3 \u0111\u00fang h\u1ea1n c\u1ea3 g\u1ed1c v\u00e0 l\u00e3i \u0111\u1ec3 tr\u00e1nh b\u1ecb t\u0103ng l\u00e3i su\u1ea5t v\u00e0 s\u1ee9c \u00e9p kh\u00e1c c\u1ee7a b\u00ean cho vay.","protected":false},"excerpt":{"rendered":"

                          (CFF) – Mu\u1ed1n cho vay c\u00e1 nh\u00e2n nhi\u1ec1u th\u00ec ph\u1ea3i l\u00e0m g\u00ec? C\u00e2u h\u1ecfi: C\u00f4ng ty t\u00e0i ch\u00ednh l\u00e0m g\u00ec \u0111\u1ec3 ph\u00e1t tri\u1ec3n cho vay ti\u00eau d\u00f9ng? Lu\u1eadt s\u01b0 Tr\u01b0\u01a1ng Thanh \u0110\u1ee9c:\u00a0C\u00f4ng ty t\u00e0i ch\u00ednh mu\u1ed1n cho vay nhi\u1ec1u th\u00ec ph\u1ea3i c\u00f3 th\u1ee7 t\u1ee5c nhanh ch\u00f3ng, \u0111\u01a1n gi\u1ea3n, d\u1ec5 d\u00e0ng. T\u1ee9c ph\u1ea3i c\u00f3 ph\u1ea7n m\u1ec1m, […]<\/p>\n","protected":false},"author":1,"featured_media":10382,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":""},"categories":[27,26],"tags":[],"class_list":["post-10381","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-interviews","category-legal-media"],"acf":[],"yoast_head":"\n2.997. L\u00e0m g\u00ec \u0111\u1ec3 th\u00fac \u0111\u1ea9y cho vay c\u00e1 nh\u00e2n h\u1eadu Covid-19? - 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\/vi\/2-997-lam-gi-de-thuc-day-cho-vay-ca-nhan-hau-covid-19\/\" \/>\n<meta property=\"og:locale\" content=\"vi_VN\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"[:vi]2.997. L\u00e0m g\u00ec \u0111\u1ec3 th\u00fac \u0111\u1ea9y cho vay c\u00e1 nh\u00e2n h\u1eadu Covid-19?[:] - ANVI Law Firm\" \/>\n<meta property=\"og:description\" content=\"(CFF) – Mu\u1ed1n cho vay c\u00e1 nh\u00e2n nhi\u1ec1u th\u00ec ph\u1ea3i l\u00e0m g\u00ec? C\u00e2u h\u1ecfi: C\u00f4ng ty t\u00e0i ch\u00ednh l\u00e0m g\u00ec \u0111\u1ec3 ph\u00e1t tri\u1ec3n cho vay ti\u00eau d\u00f9ng? 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L\u00e0m g\u00ec \u0111\u1ec3 th\u00fac \u0111\u1ea9y cho vay c\u00e1 nh\u00e2n h\u1eadu Covid-19?[:] - ANVI Law Firm","robots":{"index":"index","follow":"follow","max-snippet":"max-snippet:-1","max-image-preview":"max-image-preview:large","max-video-preview":"max-video-preview:-1"},"canonical":"https:\/\/anvilaw.com\/vi\/2-997-lam-gi-de-thuc-day-cho-vay-ca-nhan-hau-covid-19\/","og_locale":"vi_VN","og_type":"article","og_title":"[:vi]2.997. L\u00e0m g\u00ec \u0111\u1ec3 th\u00fac \u0111\u1ea9y cho vay c\u00e1 nh\u00e2n h\u1eadu Covid-19?[:] - ANVI Law Firm","og_description":"(CFF) – Mu\u1ed1n cho vay c\u00e1 nh\u00e2n nhi\u1ec1u th\u00ec ph\u1ea3i l\u00e0m g\u00ec? C\u00e2u h\u1ecfi: C\u00f4ng ty t\u00e0i ch\u00ednh l\u00e0m g\u00ec \u0111\u1ec3 ph\u00e1t tri\u1ec3n cho vay ti\u00eau d\u00f9ng? Lu\u1eadt s\u01b0 Tr\u01b0\u01a1ng Thanh \u0110\u1ee9c:\u00a0C\u00f4ng ty t\u00e0i ch\u00ednh mu\u1ed1n cho vay nhi\u1ec1u th\u00ec ph\u1ea3i c\u00f3 th\u1ee7 t\u1ee5c nhanh ch\u00f3ng, \u0111\u01a1n gi\u1ea3n, d\u1ec5 d\u00e0ng. T\u1ee9c ph\u1ea3i c\u00f3 ph\u1ea7n m\u1ec1m, […]","og_url":"https:\/\/anvilaw.com\/vi\/2-997-lam-gi-de-thuc-day-cho-vay-ca-nhan-hau-covid-19\/","og_site_name":"ANVI Law Firm","article_publisher":"https:\/\/facebook.com\/anvilawfirm","article_published_time":"2020-05-20T09:46:00+00:00","article_modified_time":"2022-03-03T01:37:33+00:00","og_image":[{"width":589,"height":589,"url":"https:\/\/anvilaw.com\/wp-content\/uploads\/2022\/03\/67-1.jpg","type":"image\/jpeg"}],"author":"administrator","twitter_card":"summary_large_image","twitter_creator":"@anvilawfirm","twitter_site":"@anvilawfirm","twitter_misc":{"\u0110\u01b0\u1ee3c vi\u1ebft b\u1edfi":"administrator","\u01af\u1edbc t\u00ednh th\u1eddi gian \u0111\u1ecdc":"61 ph\u00fat"},"schema":{"@context":"https:\/\/schema.org","@graph":[{"@type":"Article","@id":"https:\/\/anvilaw.com\/vi\/2-997-lam-gi-de-thuc-day-cho-vay-ca-nhan-hau-covid-19\/#article","isPartOf":{"@id":"https:\/\/anvilaw.com\/vi\/2-997-lam-gi-de-thuc-day-cho-vay-ca-nhan-hau-covid-19\/"},"author":{"name":"administrator","@id":"https:\/\/anvilaw.com\/vi\/#\/schema\/person\/eb3eded70711d9ebee6ffdcf3118521b"},"headline":"2.997. 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