{"id":12621,"date":"2018-07-04T14:26:04","date_gmt":"2018-07-04T07:26:04","guid":{"rendered":"https:\/\/anvilaw.com\/vi\/?p=12621"},"modified":"2022-03-07T14:36:19","modified_gmt":"2022-03-07T07:36:19","slug":"2-219-con-nhieu-quy-dinh-lam-kho-quy-tin-dung-nhan-dan","status":"publish","type":"post","link":"https:\/\/anvilaw.com\/vi\/2-219-con-nhieu-quy-dinh-lam-kho-quy-tin-dung-nhan-dan\/","title":{"rendered":"2.219. C\u00f2n nhi\u1ec1u quy \u0111\u1ecbnh ‘l\u00e0m kh\u00f3’ qu\u1ef9 t\u00edn d\u1ee5ng nh\u00e2n d\u00e2n"},"content":{"rendered":"(TBTC) – Theo ph\u1ea3n \u00e1nh c\u1ee7a \u0111\u1ea1i di\u1ec7n m\u1ed9t s\u1ed1 qu\u1ef9 t\u00edn d\u1ee5ng nh\u00e2n d\u00e2n (QTDND), c\u00e1c quy \u0111\u1ecbnh trong Th\u00f4ng t\u01b0 04\/2015\/TT-NHNN c\u1ee7a Ng\u00e2n h\u00e0ng Nh\u00e0 n\u01b0\u1edbc (NHNN) quy \u0111\u1ecbnh\u00a0v\u1ec1 QTDND\u00a0\u0111ang “l\u00e0m kh\u00f3\u201d cho ho\u1ea1t \u0111\u1ed9ng c\u1ee7a c\u00e1c qu\u1ef9 n\u00e0y.<\/p>\n

\"\"<\/p>\n

Nhi\u1ec1u quy \u0111\u1ecbnh trong Th\u00f4ng t\u01b0 04\/2015\/TT-NHNN \u0111ang g\u00e2y kh\u00f3 kh\u0103n cho c\u00e1c qu\u1ef9 t\u00edn d\u1ee5ng nh\u00e2n d\u00e2n. \u1ea2nh: TL<\/em><\/p>\n

Kh\u00f3 huy \u0111\u1ed9ng v\u1ed1n g\u00f3p<\/strong><\/p>\n

Theo s\u1ed1 li\u1ec7u t\u1eeb NHNN, t\u00ednh\u00a0t\u1edbi h\u1ebft th\u00e1ng 10\/2017, c\u1ea3 n\u01b0\u1edbc c\u00f3 g\u1ea7n 1.200 QTDND, huy \u0111\u1ed9ng tr\u00ean 82.000 t\u1ef7 \u0111\u1ed3ng v\u00e0 cho vay kho\u1ea3ng 76.000 t\u1ef7 \u0111\u1ed3ng; cung c\u1ea5p t\u00edn d\u1ee5ng cho kho\u1ea3ng 8 – 9 tri\u1ec7u ng\u01b0\u1eddi, ho\u1ea1t \u0111\u1ed9ng \u1edf 57 t\u1ec9nh\/th\u00e0nh.<\/p>\n

Trong s\u1ed1 c\u00e1c lo\u1ea1i h\u00ecnh t\u1ed5 ch\u1ee9c t\u00edn d\u1ee5ng, QTDND \u0111ang l\u00e0 m\u00f4 h\u00ecnh c\u00f3 t\u1ef7 su\u1ea5t sinh l\u1eddi d\u1eabn \u0111\u1ea7u h\u1ec7 th\u1ed1ng, cao h\u01a1n h\u1eb3n c\u00e1c ng\u00e2n h\u00e0ng th\u01b0\u01a1ng m\u1ea1i. T\u1ef7 l\u1ec7 n\u1ee3 x\u1ea5u c\u0169ng th\u1ea5p nh\u1ea5t trong h\u1ec7 th\u1ed1ng, ch\u1ec9 d\u01b0\u1edbi 1%. L\u00e3i su\u1ea5t cho vay t\u1ea1i c\u00e1c\u00a0QTDND tuy cao h\u01a1n ng\u00e2n h\u00e0ng nh\u01b0ng v\u1eabn th\u1ea5p h\u01a1n nhi\u1ec1u n\u1ebfu so v\u1edbi c\u00e1c “h\u1ee5i”, d\u1ecbch v\u1ee5 c\u1ea7m \u0111\u1ed3 hay t\u00edn d\u1ee5ng “\u0111en”. Do \u0111\u00f3, m\u00f4 h\u00ecnh\u00a0QTDND \u0111\u01b0\u1ee3c NHNN cho l\u00e0 c\u00e1ch th\u1ee9c t\u1ed1t \u0111\u1ec3 h\u1ea1n ch\u1ebf t\u00edn d\u1ee5ng “\u0111en” trong n\u00f4ng th\u00f4n.<\/p>\n

Tuy nhi\u00ean, c\u00e1c QTDND hi\u1ec7n nay \u0111ang ho\u1ea1t \u0111\u1ed9ng r\u1ea5t kh\u00f3 kh\u0103n v\u00e0 c\u1ea7m ch\u1eebng, do ph\u1ea7n l\u1edbn \u0111\u1ec1u c\u00f3 quy m\u00f4 nh\u1ecf; ho\u1ea1t \u0111\u1ed9ng ch\u1ee7 y\u1ebfu \u1edf \u0111\u1ecba b\u00e0n n\u00f4ng th\u00f4n; n\u0103ng l\u1ef1c qu\u1ea3n l\u00fd, \u0111i\u1ec1u h\u00e0nh, tr\u00ecnh \u0111\u1ed9 chuy\u00ean m\u00f4n c\u1ee7a \u0111\u1ed9i ng\u0169 c\u00e1n b\u1ed9 c\u00f2n h\u1ea1n ch\u1ebf. \u0110\u1eb7c bi\u1ec7t, t\u1eeb sau khi th\u1ef1c hi\u1ec7n theo Th\u00f4ng t\u01b0 04\/2015\/TT-NHNN, c\u00e1c QTDND l\u1ea1i c\u00e0ng th\u00eam kh\u00f3 kh\u0103n.<\/p>\n

Anh \u0110\u1ed7 Minh Huy –\u00a0nh\u00e2n vi\u00ean k\u1ebf to\u00e1n t\u1ea1i QTDND V\u1ea1n Ph\u00fac, H\u00e0 \u0110\u00f4ng, H\u00e0 N\u1ed9i cho bi\u1ebft, v\u1edbi quy \u0111\u1ecbnh v\u1ed1n g\u00f3p x\u00e1c \u0111\u1ecbnh t\u01b0 c\u00e1ch th\u00e0nh vi\u00ean l\u00e0 300.000 \u0111\u1ed3ng\/ng\u01b0\u1eddi, ph\u00ed duy tr\u00ec t\u01b0 c\u00e1ch th\u00e0nh vi\u00ean t\u1ed1i thi\u1ec3u 100.000 \u0111\u1ed3ng\/ng\u01b0\u1eddi\/n\u0103m khi\u1ebfn nhi\u1ec1u th\u00e0nh vi\u00ean kh\u00f4ng m\u1eb7n m\u00e0 n\u00ean r\u00fat kh\u1ecfi qu\u1ef9. \u0110i\u1ec1u n\u00e0y khi\u1ebfn quy m\u00f4 c\u1ee7a QTDND V\u1ea1n Ph\u00fac\u00a0gi\u1ea3m xu\u1ed1ng t\u1eeb 1.000 th\u00e0nh vi\u00ean c\u00f2n 600 th\u00e0nh vi\u00ean trong th\u1eddi \u0111i\u1ec3m hi\u1ec7n t\u1ea1i. Vi\u1ec7c huy \u0111\u1ed9ng v\u1ed1n g\u00f3p c\u1ee7a c\u00e1c th\u00e0nh vi\u00ean trong qu\u1ef9 c\u0169ng g\u1eb7p nhi\u1ec1u kh\u00f3 kh\u0103n.<\/p>\n

C\u0169ng l\u00e0 m\u1ed9t trong nh\u1eefng th\u00e0nh vi\u00ean tham gia g\u00f3p v\u1ed1n t\u1ea1i m\u1ed9t QTDND \u1edf Qu\u1ebf V\u00f5, B\u1eafc Ninh –\u00a0ch\u1ecb \u0110\u1eb7ng Th\u1ecb Khuy\u00ean cho bi\u1ebft, hi\u1ec7n c\u00f3 nh\u1eefng r\u00e0ng bu\u1ed9c g\u00e2y kh\u00f3 cho ho\u1ea1t \u0111\u1ed9ng c\u1ee7a QTDND, nh\u01b0: Ti\u1ec1n g\u1eedi th\u00e0nh vi\u00ean ph\u1ea3i \u0111\u1ea1t 60%, nh\u01b0ng nh\u1eefng ng\u01b0\u1eddi g\u1eedi ti\u1ec1n l\u1ea1i kh\u00f4ng tham gia th\u00e0nh vi\u00ean. H\u01a1n n\u1eefa, ng\u01b0\u1eddi d\u00e2n mu\u1ed1n tr\u1edf th\u00e0nh th\u00e0nh vi\u00ean qu\u1ef9 \u0111\u1ec3 s\u1eed d\u1ee5ng d\u1ecbch v\u1ee5 th\u00ec ph\u1ea3i g\u00f3p v\u1ed1n, ph\u1ea3i \u0111\u00f3ng thu\u1ebf thu nh\u1eadp c\u00e1 nh\u00e2n 5% tr\u00ean l\u1ee3i t\u1ee9c v\u1ed1n g\u00f3p, trong khi l\u1ee3i t\u1ee9c c\u1ee7a h\u1ecd kh\u00f4ng bao nhi\u00eau, n\u00ean r\u1ea5t kh\u00f3 \u0111\u1ec3 v\u1eadn \u0111\u1ed9ng nh\u00e2n d\u00e2n tham gia v\u00e0o qu\u1ef9.<\/p>\n

\u0110\u1ec1 xu\u1ea5t b\u1ecf quy \u0111\u1ecbnh v\u1ed1n g\u00f3p th\u01b0\u1eddng ni\u00ean<\/strong><\/p>\n

\u0110\u1ec3 th\u00e1o g\u1ee1 nh\u1eefng kh\u00f3 kh\u0103n tr\u00ean, \u0111\u1ea1i di\u1ec7n nhi\u1ec1u QTDND cho r\u1eb1ng, c\u1ea7n s\u1eeda \u0111\u1ed5i m\u1ed9t s\u1ed1 \u0111i\u1ec1u ch\u01b0a h\u1ee3p l\u00fd trong Th\u00f4ng t\u01b0 04, nh\u01b0 b\u1ecf quy \u0111\u1ecbnh v\u1ed1n g\u00f3p th\u01b0\u1eddng ni\u00ean h\u00e0ng n\u0103m, v\u00ec \u0111i\u1ec1u n\u00e0y l\u00e0m x\u00e1o tr\u1ed9n v\u1ed1n \u0111i\u1ec1u l\u1ec7. \u0110\u1ed3ng th\u1eddi b\u1ecf quy \u0111\u1ecbnh v\u1ec1 t\u1ed5ng m\u1ee9c nh\u1eadn ti\u1ec1n g\u1eedi t\u1eeb th\u00e0nh vi\u00ean \u0111\u1ec3 QTDND th\u1ef1c hi\u1ec7n huy \u0111\u1ed9ng v\u1ed1n \u0111\u01b0\u1ee3c thu\u1eadn l\u1ee3i nh\u01b0 c\u00e1c t\u1ed5 ch\u1ee9c t\u00edn d\u1ee5ng kh\u00e1c; gi\u1ea3m s\u1ed1 l\u01b0\u1ee3ng th\u00e0nh vi\u00ean tham gia \u0111\u1ea1i h\u1ed9i \u0111\u1ec3 gi\u1ea3m chi ph\u00ed v\u00e0 ph\u00f9 h\u1ee3p v\u1edbi ho\u1ea1t \u0111\u1ed9ng\u2026<\/p>\n

Hi\u1ec7n NHNN \u0111ang tri\u1ec3n khai \u0110\u1ec1 \u00e1n Ph\u00e1t tri\u1ec3n h\u1ec7 th\u1ed1ng QTDND \u0111\u1ebfn n\u0103m 2020 v\u00e0 \u0111\u1ecbnh h\u01b0\u1edbng \u0111\u1ebfn n\u0103m 2030, theo \u0111\u00f3, s\u1ebd ti\u1ebfp t\u1ee5c m\u1edf r\u1ed9ng QTDND t\u1ea1i n\u00f4ng th\u00f4n. Khi ho\u00e0n thi\u1ec7n t\u1ea5t c\u1ea3 c\u00e1c m\u1eb7t ho\u1ea1t \u0111\u1ed9ng, QTDND s\u1ebd c\u00f3 vai tr\u00f2 l\u1edbn trong vi\u1ec7c \u0111\u1ea9y l\u00f9i n\u1ea1n t\u00edn d\u1ee5ng \u0111en, \u0111\u1ed3ng th\u1eddi, l\u1ea5p \u0111\u1ea7y nh\u1eefng kho\u1ea3ng tr\u1ed1ng m\u00e0 ng\u00e2n h\u00e0ng th\u01b0\u01a1ng m\u1ea1i kh\u00f4ng th\u1ec3 \u0111\u00e1p \u1ee9ng.<\/p>\n

B\u00e0n v\u1ec1 ho\u1ea1t \u0111\u1ed9ng c\u1ee7a QTDND, Lu\u1eadt s\u01b0 Tr\u01b0\u01a1ng Thanh \u0110\u1ee9c –\u00a0<\/em>Gi\u00e1m<\/em> \u0111\u1ed1c C\u00f4ng ty Lu\u1eadt TNHH ANVI\u00a0<\/em>cho r\u1eb1ng, \u0111\u1ec3 duy tr\u00ec, ph\u00e1t tri\u1ec3n v\u00e0 n\u00e2ng cao hi\u1ec7u qu\u1ea3 c\u1ee7a h\u1ec7 th\u1ed1ng QTDND, ho\u1ea1t \u0111\u1ed9ng c\u1ee7a h\u1ec7 th\u1ed1ng n\u00e0y ph\u1ea3i \u0111\u01b0\u1ee3c c\u00f4ng khai, minh b\u1ea1ch. \u0110i\u1ec1u \u0111\u00f3 \u0111\u00f2i h\u1ecfi ho\u1ea1t \u0111\u1ed9ng c\u1ee7a h\u1ec7 th\u1ed1ng QTDND ph\u1ea3i th\u01b0\u1eddng xuy\u00ean \u0111\u01b0\u1ee3c ki\u1ec3m tra, \u0111\u1ea3m b\u1ea3o tu\u00e2n th\u1ee7 c\u00e1c nguy\u00ean t\u1eafc, chu\u1ea9n m\u1ef1c v\u00e0 quy \u0111\u1ecbnh c\u1ee7a ph\u00e1p lu\u1eadt hi\u1ec7n h\u00e0nh.<\/em><\/p>\n

V\u1ec1 ph\u00eda c\u01a1 quan qu\u1ea3n l\u00fd l\u00e0 NHNN chi nh\u00e1nh c\u00e1c t\u1ec9nh th\u00e0nh, c\u1ea7n h\u1ed7 tr\u1ee3 n\u00e2ng cao n\u0103ng l\u1ef1c qu\u1ea3n tr\u1ecb \u0111i\u1ec1u h\u00e0nh c\u1ee7a QTDND, \u0111\u1eb7c bi\u1ec7t l\u00e0 h\u1ec7 th\u1ed1ng ki\u1ec3m to\u00e1n n\u1ed9i b\u1ed9, \u0111\u1ea3m b\u1ea3o ng\u01b0\u1eddi qu\u1ea3n l\u00fd \u0111i\u1ec1u h\u00e0nh qu\u1ef9 ph\u1ea3i \u0111\u00e1p \u1ee9ng ti\u00eau chu\u1ea9n v\u1ec1 n\u0103ng l\u1ef1c v\u00e0 tr\u00ecnh \u0111\u1ed9 theo quy \u0111\u1ecbnh.<\/p>\n

NHNN c\u1ea7n r\u00e0 so\u00e1t quy \u0111\u1ecbnh v\u1ec1 an to\u00e0n ho\u1ea1t \u0111\u1ed9ng, qu\u1ea3n tr\u1ecb, \u0111i\u1ec1u h\u00e0nh v\u00e0 thu h\u1ed3i gi\u1ea5y ph\u00e9p, s\u1eeda \u0111\u1ed5i quy \u0111\u1ecbnh v\u1ed1n ph\u00e1p \u0111\u1ecbnh ph\u00f9 h\u1ee3p v\u1edbi th\u1ef1c ti\u1ec5n ho\u1ea1t \u0111\u1ed9ng v\u00e0 y\u00eau c\u1ea7u \u0111\u1ea3m b\u1ea3o an to\u00e0n c\u1ee7a QTDND trong t\u1eebng giai \u0111o\u1ea1n.<\/p>\n

B\u00ean c\u1ea1nh \u0111\u00f3, c\u1ea7n ho\u00e0n thi\u1ec7n quy tr\u00ecnh huy \u0111\u1ed9ng v\u00e0 cho vay, gi\u00e1m s\u00e1t \u0111\u01b0\u1ee3c r\u1ee7i ro v\u00e0 c\u00f3 bi\u1ec7n ph\u00e1p ki\u1ec3m tra, x\u1eed l\u00fd khi vi ph\u1ea1m.\/.<\/p>\n

B\u00f9i T\u01b0<\/strong><\/p>\n

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

Th\u1eddi b\u00e1o T\u00e0i ch\u00ednh (Ti\u1ec1n t\u1ec7, b\u1ea3o hi\u1ec3m) 04-7-2018:<\/em><\/strong><\/p>\n

http:\/\/thoibaotaichinhvietnam.vn\/pages\/tien-te-bao-hiem\/2018-07-04\/con-nhieu-quy-dinh-lam-kho-quy-tin-dung-nhan-dan-59468.aspx<\/em><\/a><\/p>\n

(83\/896)<\/em><\/p>\n

\u00a0<\/em>","protected":false},"excerpt":{"rendered":"

(TBTC) – Theo ph\u1ea3n \u00e1nh c\u1ee7a \u0111\u1ea1i di\u1ec7n m\u1ed9t s\u1ed1 qu\u1ef9 t\u00edn d\u1ee5ng nh\u00e2n d\u00e2n (QTDND), c\u00e1c quy \u0111\u1ecbnh trong Th\u00f4ng t\u01b0 04\/2015\/TT-NHNN c\u1ee7a Ng\u00e2n h\u00e0ng Nh\u00e0 n\u01b0\u1edbc (NHNN) quy \u0111\u1ecbnh\u00a0v\u1ec1 QTDND\u00a0\u0111ang “l\u00e0m kh\u00f3\u201d cho ho\u1ea1t \u0111\u1ed9ng c\u1ee7a c\u00e1c qu\u1ef9 n\u00e0y. Nhi\u1ec1u quy \u0111\u1ecbnh trong Th\u00f4ng t\u01b0 04\/2015\/TT-NHNN \u0111ang g\u00e2y kh\u00f3 kh\u0103n cho c\u00e1c qu\u1ef9 […]<\/p>\n","protected":false},"author":3,"featured_media":12622,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":""},"categories":[27,26],"tags":[],"class_list":["post-12621","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-interviews","category-legal-media"],"acf":[],"yoast_head":"\n2.219. 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