{"id":16939,"date":"2016-09-13T16:08:20","date_gmt":"2016-09-13T09:08:20","guid":{"rendered":"https:\/\/anvilaw.com\/vi\/?p=16939"},"modified":"2022-04-04T16:10:17","modified_gmt":"2022-04-04T09:10:17","slug":"1-337-lai-suat-20-nam-nham-khong-che-nan-cho-vay-nang-lai","status":"publish","type":"post","link":"https:\/\/anvilaw.com\/vi\/1-337-lai-suat-20-nam-nham-khong-che-nan-cho-vay-nang-lai\/","title":{"rendered":"1.337. L\u00e3i su\u1ea5t 20%\/ n\u0103m nh\u1eb1m kh\u1ed1ng ch\u1ebf n\u1ea1n cho vay n\u1eb7ng l\u00e3i"},"content":{"rendered":"
\n

(ND) – B\u1ed9 lu\u1eadt D\u00e2n s\u1ef1 (s\u1eeda \u0111\u1ed5i) \u0111\u00e3 \u0111\u01b0\u1ee3c Qu\u1ed1c h\u1ed9i ch\u00ednh th\u1ee9c th\u00f4ng qua t\u1eeb cu\u1ed1i n\u0103m 2015 v\u00e0 s\u1ebd b\u1eaft \u0111\u1ea7u c\u00f3 hi\u1ec7u l\u1ef1c k\u1ec3 t\u1eeb ng\u00e0y 1-1-2017. \u0110i\u1ec3m thay \u0111\u1ed5i \u0111\u00e1ng k\u1ec3 trong B\u1ed9 lu\u1eadt n\u00e0y ch\u00ednh l\u00e0 quy \u0111\u1ecbnh v\u1ec1 l\u00e3i su\u1ea5t. Theo \u0111\u00f3, lu\u1eadt quy \u0111\u1ecbnh: \u201cTr\u01b0\u1eddng h\u1ee3p c\u00e1c b\u00ean c\u00f3 th\u1ecfa thu\u1eadn v\u1ec1 l\u00e3i su\u1ea5t th\u00ec l\u00e3i su\u1ea5t theo th\u1ecfa thu\u1eadn kh\u00f4ng \u0111\u01b0\u1ee3c v\u01b0\u1ee3t qu\u00e1 20 %\/n\u0103m c\u1ee7a kho\u1ea3n ti\u1ec1n vay, tr\u1eeb tr\u01b0\u1eddng h\u1ee3p lu\u1eadt kh\u00e1c c\u00f3 li\u00ean quan c\u00f3 quy \u0111\u1ecbnh kh\u00e1c\u201d.<\/strong><\/p>\n<\/div>\n

\n

N\u1ebfu \u0111\u1ecdc qua, nhi\u1ec1u ng\u01b0\u1eddi hi\u1ec3u r\u1eb1ng, t\u1ea5t c\u1ea3 ng\u01b0\u1eddi d\u00e2n, t\u1ed5 ch\u1ee9c t\u00edn d\u1ee5ng, trong \u0111\u00f3 c\u00f3 c\u1ea3 c\u00f4ng ty t\u00e0i ch\u00ednh ch\u1ec9 \u0111\u01b0\u1ee3c cho vay v\u1edbi l\u00e3i su\u1ea5t t\u1ed1i \u0111a 20 %\/n\u0103m. Tuy nhi\u00ean, theo TS Cao S\u0129 Ki\u00eam, nguy\u00ean Th\u1ed1ng \u0111\u1ed1c Ng\u00e2n h\u00e0ng Nh\u00e0 n\u01b0\u1edbc (NHNN) Vi\u1ec7t Nam, quy \u0111\u1ecbnh n\u00e0y c\u00f3 ngh\u0129a l\u00e0 tr\u1ea7n l\u00e3i su\u1ea5t cho vay 20 %\/n\u0103m ch\u1ec9 \u0111\u01b0\u1ee3c s\u1eed d\u1ee5ng nh\u1eb1m \u0111i\u1ec1u ch\u1ec9nh ho\u1ea1t \u0111\u1ed9ng t\u00edn d\u1ee5ng phi ch\u00ednh th\u1ee9c, kh\u1ed1ng ch\u1ebf n\u1ea1n cho vay n\u1eb7ng l\u00e3i. C\u00f2n c\u00e1i \u0111u\u00f4i \u201ctr\u1eeb tr\u01b0\u1eddng h\u1ee3p lu\u1eadt kh\u00e1c c\u00f3 li\u00ean quan quy \u0111\u1ecbnh kh\u00e1c\u201d h\u00e0m \u00fd r\u1eb1ng, c\u00e1c t\u1ed5 ch\u1ee9c t\u00edn d\u1ee5ng s\u1ebd \u0111\u01b0\u1ee3c cho vay theo l\u00e3i su\u1ea5t th\u1ecfa thu\u1eadn theo quy \u0111\u1ecbnh c\u1ee7a Lu\u1eadt C\u00e1c t\u1ed5 ch\u1ee9c t\u00edn d\u1ee5ng.<\/p>\n

Tr\u00ean th\u1ef1c t\u1ebf, hi\u1ec7n nay, l\u00e3i su\u1ea5t cho vay ti\u00eau d\u00f9ng c\u1ee7a c\u00e1c ng\u00e2n h\u00e0ng dao \u0111\u1ed9ng t\u1eeb 15-25 %\/n\u0103m, c\u1ee7a c\u00e1c c\u00f4ng ty t\u00e0i ch\u00ednh ti\u00eau d\u00f9ng c\u00f3 th\u1ec3 l\u00ean t\u1edbi 50-60 %\/n\u0103m, \u00e1p d\u1ee5ng cho c\u00e1c kh\u00e1ch h\u00e0ng vay c\u00f3 m\u1ee9c \u0111\u1ed9 r\u1ee7i ro cao.<\/p>\n

Tr\u01b0\u1edbc \u0111\u00f3, trong d\u1ef1 th\u1ea3o B\u1ed9 lu\u1eadt D\u00e2n s\u1ef1 (s\u1eeda \u0111\u1ed5i) c\u00f3 \u0111\u01b0a ra hai ph\u01b0\u01a1ng \u00e1n qu\u1ea3n l\u00fd l\u00e3i su\u1ea5t, TS Cao S\u0129 Ki\u00eam \u0111\u00e3 b\u00e0y t\u1ecf quan \u0111i\u1ec3m kh\u00f4ng \u1ee7ng h\u1ed9 quan \u0111i\u1ec3m n\u00e0o b\u1edfi theo \u00f4ng, c\u1ea3 hai ph\u01b0\u01a1ng \u00e1n n\u00eau ra trong d\u1ef1 th\u1ea3o v\u1ec1 m\u1eb7t l\u00fd thuy\u1ebft t\u01b0\u1edfng r\u1eb1ng l\u00e0 c\u00f3 l\u00fd, nh\u01b0ng quan tr\u1ecdng nh\u1ea5t l\u00e0 c\u01a1 s\u1edf x\u00e1c \u0111\u1ecbnh v\u1eabn ch\u01b0a r\u00f5 r\u00e0ng, ch\u01b0a c\u00f3 c\u0103n c\u1ee9 khoa h\u1ecdc.<\/p>\n

\u201cT\u1ea1i sao ch\u00fang ta l\u1ea1i l\u1ea5y m\u1ed9t con s\u1ed1 kh\u1ed1ng ch\u1ebf tr\u1ea7n l\u00e3i su\u1ea5t kh\u00f4ng v\u01b0\u1ee3t qu\u00e1 20 %? T\u1ea1i sao l\u1ea1i \u0111\u01b0a ra con s\u1ed1 n\u00e0y m\u00e0 kh\u00f4ng ch\u1ee9ng minh \u0111\u01b0\u1ee3c, \u00e1p \u0111\u1eb7t c\u1ea3m t\u00ednh nh\u01b0 v\u1eady? C\u00f3 ng\u01b0\u1eddi b\u1ea3o r\u1eb1ng, l\u1ea1m ph\u00e1t cao th\u00ec l\u1ea5y \u0111\u1ebfn 200 %, th\u1ebf n\u1ebfu l\u1ea1m ph\u00e1t th\u1ea5p th\u00ec l\u1ea5y tr\u1ea7n bao nhi\u00eau?\u201d, TS Ki\u00eam \u0111\u00e3 t\u1eebng \u0111\u1eb7t ra c\u00e2u h\u1ecfi.<\/p>\n

V\u1ec1 ph\u01b0\u01a1ng \u00e1n hai \u0111\u1ec1 c\u1eadp \u0111\u1ebfn tr\u1ea7n l\u00e3i su\u1ea5t kh\u00f4ng \u0111\u01b0\u1ee3c v\u01b0\u1ee3t qu\u00e1 200 % l\u00e3i su\u1ea5t c\u01a1 b\u1ea3n c\u1ee7a NHNN, TS Cao S\u0129 Ki\u00eam c\u0169ng cho r\u1eb1ng, th\u1ef1c t\u1ebf, t\u1eeb l\u00e2u NHNN \u0111\u00e3 kh\u00f4ng c\u00f2n c\u00f4ng b\u1ed1 l\u00e3i su\u1ea5t c\u01a1 b\u1ea3n. Tuy r\u1eb1ng, NHNN c\u0169ng \u0111\u00e3 v\u00e0i l\u1ea7n c\u00f4ng b\u1ed1 l\u00e3i su\u1ea5t c\u01a1 b\u1ea3n, nh\u01b0ng sau \u0111\u00f3 \u0111\u00e1nh gi\u00e1 l\u1ee3i \u00edch v\u00e0 t\u1ea7m quan tr\u1ecdng c\u1ee7a vi\u1ec7c l\u00e0m n\u00e0y \u0111\u1ed1i v\u1edbi th\u1ecb tr\u01b0\u1eddng l\u00e0 kh\u00f4ng thi\u1ebft th\u1ef1c, n\u00ean sau \u0111\u00f3, NHNN c\u0169ng \u0111\u00e3 quy\u1ebft \u0111\u1ecbnh kh\u00f4ng th\u1ef1c hi\u1ec7n vi\u1ec7c c\u00f4ng b\u1ed1 n\u00e0y n\u1eefa. Nh\u01b0 v\u1eady, \u0111\u00e3 kh\u00f4ng c\u00f4ng b\u1ed1, bi\u1ebft l\u1ea5y g\u00ec l\u00e0m c\u0103n c\u1ee9 \u0111\u1ec3 qu\u1ea3n l\u00fd?<\/p>\n

\u0110\u1ec3 qu\u1ea3n l\u00fd ho\u1ea1t \u0111\u1ed9ng c\u1ee7a c\u00e1c t\u1ed5 ch\u1ee9c t\u00edn d\u1ee5ng nh\u1eb1m b\u1ea3o \u0111\u1ea3m \u0111\u01b0\u1ee3c s\u1ef1 ph\u00e1t tri\u1ec3n, ph\u00f9 h\u1ee3p v\u1edbi xu th\u1ebf h\u1ed9i nh\u1eadp hi\u1ec7n nay, theo TS Cao S\u0129 Ki\u00eam, c\u1ea7n ph\u1ea3i ti\u1ebfn h\u00e0nh t\u1ef1 do h\u00f3a l\u00e3i su\u1ea5t. T\u1ef1 do l\u00e3i su\u1ea5t l\u00e0 \u0111\u00fang v\u1edbi quy lu\u1eadt cung c\u1ea7u c\u1ee7a th\u1ecb tr\u01b0\u1eddng, n\u00f3 s\u1ebd t\u1ea1o ra s\u1ef1 c\u1ea1nh tranh cao gi\u1eefa c\u00e1c t\u1ed5 ch\u1ee9c t\u00edn d\u1ee5ng v\u00e0 ch\u00ednh s\u1ef1 c\u1ea1nh tranh \u1ea5y s\u1ebd mang l\u1ea1i nhi\u1ec1u l\u1ee3i \u00edch h\u01a1n cho kh\u00e1ch h\u00e0ng. \u0110\u00f3 l\u00e0 nh\u1eefng g\u00ec c\u00e1c n\u01b0\u1edbc ph\u00e1t tri\u1ec3n \u0111\u00e3, \u0111ang th\u1ef1c hi\u1ec7n v\u00e0 Vi\u1ec7t Nam c\u0169ng c\u1ea7n ph\u1ea3i x\u00e1c \u0111\u1ecbnh h\u01b0\u1edbng \u0111i \u0111\u00fang \u0111\u1eafn nh\u01b0 v\u1eady. M\u1ed9t khi \u0111\u00e3 \u0111\u1ec1 c\u1eadp \u0111\u1ebfn n\u1ec1n kinh t\u1ebf th\u1ecb tr\u01b0\u1eddng, theo \u00f4ng, c\u1ea7n ph\u1ea3i t\u00ednh \u0111\u1ec3 l\u00e0m sao c\u00e1c c\u00f4ng c\u1ee5 \u0111i\u1ec1u ch\u1ec9nh th\u1ef1c s\u1ef1 mang t\u00ednh th\u1ecb tr\u01b0\u1eddng, kh\u00f4ng th\u1ec3 \u00e1p \u0111\u1eb7t m\u1ed9t con s\u1ed1 n\u00e0o c\u1ee5 th\u1ec3 v\u00e0o \u0111\u00f3, \u0111\u1ec3 r\u1ed3i \u00edt l\u00e2u sau l\u1ea1i ph\u1ea3i \u0111i\u1ec1u ch\u1ec9nh lu\u1eadt.<\/p>\n

\u0110\u1ed3ng t\u00ecnh v\u1edbi \u00fd ki\u1ebfn n\u00e0y, lu\u1eadt s\u01b0 Tr\u01b0\u01a1ng Thanh \u0110\u1ee9c, Ch\u1ee7 nhi\u1ec7m CLB Ph\u00e1p ch\u1ebf ng\u00e2n h\u00e0ng cho r\u1eb1ng, quy \u0111\u1ecbnh \u201ctr\u1eeb tr\u01b0\u1eddng h\u1ee3p li\u00ean quan\u201d c\u00f3 ngh\u0129a cho ph\u00e9p c\u00e1c t\u1ed5 ch\u1ee9c t\u00edn d\u1ee5ng ti\u1ebfp t\u1ee5c th\u1ef1c hi\u1ec7n l\u00e3i su\u1ea5t th\u1ecfa thu\u1eadn nh\u01b0 tr\u01b0\u1edbc \u0111\u00e2y. \u201cTr\u1ea7n l\u00e3i su\u1ea5t trong B\u1ed9 lu\u1eadt D\u00e2n s\u1ef1 (s\u1eeda \u0111\u1ed5i) kh\u00f4ng t\u00e1c \u0111\u1ed9ng \u0111\u1ebfn ho\u1ea1t \u0111\u1ed9ng cho vay c\u1ee7a t\u1ed5 ch\u1ee9c t\u00edn d\u1ee5ng\u201d, \u00f4ng Tr\u01b0\u01a1ng Thanh \u0110\u1ee9c nh\u1eadn x\u00e9t.<\/p>\n

TS Nguy\u1ec5n Tr\u00ed Hi\u1ebfu, chuy\u00ean gia t\u00e0i ch\u00ednh – ng\u00e2n h\u00e0ng c\u0169ng c\u00f3 chung nh\u1eadn \u0111\u1ecbnh: \u201cTr\u1ea7n l\u00e3i su\u1ea5t ch\u1ec9 n\u00ean \u00e1p d\u1ee5ng \u0111\u1ec3 ng\u0103n ch\u1eb7n t\u00edn d\u1ee5ng \u0111en, c\u00f2n v\u1edbi c\u00e1c t\u1ed5 ch\u1ee9c t\u00edn d\u1ee5ng, nh\u1ea5t l\u00e0 c\u00e1c c\u00f4ng ty t\u00e0i ch\u00ednh, n\u00ean \u0111\u1ec3 t\u1ef1 do h\u00f3a l\u00e3i su\u1ea5t. B\u1edfi vay ti\u00eau d\u00f9ng d\u1ef1a tr\u00ean t\u00edn ch\u1ea5p l\u00e0 ch\u00ednh, r\u1ee7i ro r\u1ea5t cao n\u00ean n\u1ebfu \u00e1p tr\u1ea7n, ch\u1eafc ch\u1eafn c\u00e1c c\u00f4ng ty t\u00e0i ch\u00ednh s\u1ebd kh\u00f4ng th\u1ec3 tri\u1ec3n khai cho vay. Tr\u00ean th\u1ef1c t\u1ebf, t\u1ea1i nhi\u1ec1u n\u01b0\u1edbc ti\u00ean ti\u1ebfn tr\u00ean th\u1ebf gi\u1edbi, l\u00e3i su\u1ea5t cho vay ti\u00eau d\u00f9ng c\u0169ng l\u00ean t\u1edbi 30-40 %\u201d.<\/p>\n<\/div>\n

VI\u1ec6T PHONG<\/strong><\/p>\n

——————<\/p>\n

Nh\u00e2n d\u00e2n (Kinh t\u1ebf) 13-9-2016:<\/em><\/strong><\/p>\n

http:\/\/www.nhandan.com.vn\/kinhte\/item\/30681502-lai-suat-20-nam-nham-khong-che-nan-cho-vay-nang-lai.html<\/em><\/a><\/p>\n

(76\/881)<\/em><\/p>\n

 ","protected":false},"excerpt":{"rendered":"

(ND) – B\u1ed9 lu\u1eadt D\u00e2n s\u1ef1 (s\u1eeda \u0111\u1ed5i) \u0111\u00e3 \u0111\u01b0\u1ee3c Qu\u1ed1c h\u1ed9i ch\u00ednh th\u1ee9c th\u00f4ng qua t\u1eeb cu\u1ed1i n\u0103m 2015 v\u00e0 s\u1ebd b\u1eaft \u0111\u1ea7u c\u00f3 hi\u1ec7u l\u1ef1c k\u1ec3 t\u1eeb ng\u00e0y 1-1-2017. \u0110i\u1ec3m thay \u0111\u1ed5i \u0111\u00e1ng k\u1ec3 trong B\u1ed9 lu\u1eadt n\u00e0y ch\u00ednh l\u00e0 quy \u0111\u1ecbnh v\u1ec1 l\u00e3i su\u1ea5t. Theo \u0111\u00f3, lu\u1eadt quy \u0111\u1ecbnh: \u201cTr\u01b0\u1eddng h\u1ee3p c\u00e1c […]<\/p>\n","protected":false},"author":10,"featured_media":16940,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":""},"categories":[27,26],"tags":[],"class_list":["post-16939","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-interviews","category-legal-media"],"acf":[],"yoast_head":"\n1.337. 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