{"id":18545,"date":"2017-08-21T21:55:45","date_gmt":"2017-08-21T14:55:45","guid":{"rendered":"https:\/\/anvilaw.com\/vi\/?p=18545"},"modified":"2022-04-18T21:57:40","modified_gmt":"2022-04-18T14:57:40","slug":"1-776-thoi-ngan-hang-doanh-nghiep-song-ky-sinh-vao-bot","status":"publish","type":"post","link":"https:\/\/anvilaw.com\/vi\/1-776-thoi-ngan-hang-doanh-nghiep-song-ky-sinh-vao-bot\/","title":{"rendered":"1.776. Th\u1eddi ng\u00e2n h\u00e0ng, doanh nghi\u1ec7p s\u1ed1ng “k\u00fd sinh\u201d v\u00e0o BOT."},"content":{"rendered":"(N\u0110T) – Nhi\u1ec1u \u00fd ki\u1ebfn cho r\u1eb1ng, vi\u1ec7c c\u00e1c d\u1ef1 \u00e1n BOT \u0111\u01b0\u1eddng b\u1ed9 ph\u1ee5 thu\u1ed9c \u0111\u1ebfn 85% v\u00e0o ngu\u1ed3n v\u1ed1n vay ng\u00e2n h\u00e0ng c\u00f3 th\u1ec3 d\u1eabn \u0111\u1ebfn nhi\u1ec1u r\u1ee7i ro cho h\u1ec7 th\u1ed1ng t\u00edn d\u1ee5ng, nh\u01b0ng tr\u00ean th\u1ef1c t\u1ebf d\u00f2ng v\u1ed1n ng\u00e2n h\u00e0ng v\u1eabn trong xu h\u01b0\u1edbng ch\u1ea3y \u201cn\u00f3ng\u201d v\u00e0o c\u00e1c d\u1ef1 \u00e1n n\u00e0y v\u00e0 cu\u1ed1i c\u00f9ng r\u1ee7i ro l\u1ea1i m\u1ed9t l\u1ea7n n\u1eefa r\u01a1i v\u00e0o ng\u00e2n s\u00e1ch v\u00e0 ng\u01b0\u1eddi d\u00e2n.<\/strong><\/p>\n

N\u00f4 n\u1ee9c \u0111i vay v\u00e0 cho vay<\/strong><\/p>\n

Vi\u1ec7c ngu\u1ed3n l\u1ef1c \u0111\u1ea7u t\u01b0 d\u1ef1 \u00e1n BOT ch\u1ee7 y\u1ebfu d\u1ef1a v\u00e0o v\u1ed1n vay ng\u00e2n h\u00e0ng, t\u1ea1i m\u1ed9t s\u1ed1 nh\u00e0 b\u0103ng l\u00e0 m\u1ed9t trong nh\u1eefng b\u1ea5t c\u1eadp \u0111\u01b0\u1ee3c ch\u1ec9 ra trong b\u00e1o c\u00e1o k\u1ebft qu\u1ea3 gi\u00e1m s\u00e1t vi\u1ec7c th\u1ef1c hi\u1ec7n ch\u00ednh s\u00e1ch, ph\u00e1p lu\u1eadt v\u1ec1 \u0111\u1ea7u t\u01b0 v\u00e0 khai th\u00e1c c\u00e1c c\u00f4ng tr\u00ecnh giao th\u00f4ng theo h\u00ecnh th\u1ee9c h\u1ee3p \u0111\u1ed3ng x\u00e2y d\u1ef1ng – kinh doanh – chuy\u1ec3n giao (BOT) v\u1eeba \u0111\u01b0\u1ee3c \u1ee6y ban th\u01b0\u1eddng v\u1ee5 Qu\u1ed1c h\u1ed9i (UBTVQH) t\u1ed5 ch\u1ee9c.<\/p>\n

B\u00e1o c\u00e1o c\u1ee7a \u0111o\u00e0n Gi\u00e1m s\u00e1t UBTVQH cho bi\u1ebft, trong b\u00f4\u0301i ca\u0309nh ngu\u1ed3n l\u1ef1c ng\u00e2n s\u00e1ch nh\u00e0 n\u01b0\u1edbc ha\u0323n ch\u1ebf v\u00e0 ngu\u1ed3n ODA thu he\u0323p d\u1ea7n, vi\u1ec7c huy \u0111\u1ed9ng th\u00f4ng qua h\u00ecnh th\u01b0\u0301c h\u1ee3p \u0111\u1ed3ng BOT l\u00e0 h\u01b0\u1edbng \u0111i \u0111\u00fang \u0111\u1eafn \u0111\u1ec3 ph\u00e1t tri\u1ec3n giao th\u00f4ng n\u00f3i ri\u00eang, ph\u00e1t tri\u1ec3n kinh t\u1ebf n\u00f3i chung, \u0111\u1ed3ng th\u1eddi gia\u0309m b\u1edbt g\u00e1nh n\u1eb7ng c\u1ee7a ng\u00e2n s\u00e1ch nh\u00e0 n\u01b0\u1edbc trong vi\u1ec7c th\u1ef1c hi\u1ec7n ch\u1ee7 tr\u01b0\u01a1ng x\u00e2y d\u1ef1ng c\u01a1 s\u1edf ha\u0323 t\u1ea7ng \u0111\u1ed3ng b\u1ed9 cho n\u1ec1n kinh t\u1ebf.<\/p>\n

Tuy nhi\u00ean, do n\u0103ng l\u1ef1c c\u1ee7a nhi\u1ec1u ch\u1ee7 \u0111\u1ea7u t\u01b0 y\u1ebfu n\u00ean ngu\u1ed3n v\u1ed1n \u0111\u1ea7u t\u01b0 cho c\u00e1c d\u1ef1 \u00e1n n\u00e0y v\u1eabn ch\u1ee7 y\u1ebfu ph\u1ee5 thu\u1ed9c v\u00e0o v\u1ed1n vay ng\u00e2n ng\u00e2n h\u00e0ng.<\/p>\n\n\n\n\n
\"\"<\/td>\n<\/tr>\n
C\u00e1c d\u1ef1 \u00e1n BOT \u0111ang b\u1ecb \u201cm\u00e9o m\u00f3\u201d v\u1ec1 b\u1ea3n ch\u1ea5t.<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n

Theo b\u00e1o c\u00e1o m\u1edbi nh\u1ea5t c\u1ee7a Ch\u00ednh ph\u1ee7 v\u1ec1 n\u1ed9i dung n\u00e0y, t\u00ednh \u0111\u1ebfn ng\u00e0y 31\/12\/2016, \u0111\u00e3 c\u00f3 20 t\u1ed5 ch\u1ee9c t\u00edn d\u1ee5ng c\u1ea5p t\u00edn d\u1ee5ng cho c\u00e1c d\u1ef1 \u00e1n BOT, BT giao th\u00f4ng v\u1edbi t\u1ed5ng h\u1ea1n m\u1ee9c 163.097 t\u1ef7 \u0111\u1ed3ng, t\u1ed5ng s\u1ed1 d\u01b0 t\u00edn d\u1ee5ng 84.235 t\u1ef7 (chi\u1ebfm 67,48% d\u01b0 n\u1ee3 c\u1ea5p t\u00edn d\u1ee5ng \u0111\u1ed1i v\u1edbi l\u0129nh v\u1ef1c giao th\u00f4ng). H\u1ea7u h\u1ebft c\u00e1c kho\u1ea3n t\u00edn d\u1ee5ng \u0111\u1ec1u thu\u1ed9c n\u1ee3 nh\u00f3m 1; n\u1ee3 nh\u00f3m 2 l\u00e0 23,44 t\u1ef7 \u0111\u1ed3ng; n\u1ee3 x\u1ea5u 2,6 t\u1ef7 \u0111\u1ed3ng, chi\u1ebfm kho\u1ea3ng 0,003%.<\/p>\n

Trong \u0111\u00f3, b\u1ed1nng\u00e2n h\u00e0ng cho vay BOT l\u1edbn nh\u1ea5t hi\u1ec7n nay l\u00e0 BIDV, Vietcombank, VietinBank v\u00e0 SHB, chi\u1ebfm 91% d\u01b0 n\u1ee3 to\u00e0n ng\u00e0nh, trong \u0111\u00f3 VietinBank v\u00e0 Vietcombank \u0111ang c\u00f3 t\u1ed1c \u0111\u1ed9 t\u0103ng tr\u01b0\u1edfng t\u00edn d\u1ee5ng v\u00e0o c\u00e1c d\u1ef1 \u00e1n BOT, BT giao th\u00f4ng \u1edf m\u1ee9c r\u1ea5t cao.<\/p>\n

S\u1ed1 li\u1ec7u tr\u01b0\u1edbc \u0111\u00f3 cho th\u1ea5y, t\u1ea1i th\u1eddi \u0111i\u1ec3m 31\/12\/2015, t\u1ed5ng h\u1ea1n m\u1ee9c c\u1ea5p t\u00edn d\u1ee5ng c\u1ee7a c\u00e1c t\u1ed5 ch\u1ee9c t\u00edn d\u1ee5ng \u0111\u1ed1i v\u1edbi c\u00e1c d\u1ef1 \u00e1n BOT, BT, BTO \u0111\u1ea1t 155.480 t\u1ef7 \u0111\u1ed3ng v\u00e0 c\u0169ng ch\u1ee7 y\u1ebfu l\u00e0 c\u00e1c d\u1ef1 \u00e1n l\u0129nh v\u1ef1c giao th\u00f4ng.<\/p>\n

\u0110i\u1ec3n h\u00ecnh, tr\u01b0\u1eddng h\u1ee3p Vietinbank cho MPC – ch\u1ee7 \u0111\u1ea7u t\u01b0 d\u1ef1 \u00e1n BOT Ph\u00e1p V\u00e2n \u2013 C\u1ea7u Gi\u1ebd vay 6.467 t\u1ef7 \u0111\u1ed3ng (v\u1ed1n ch\u1ee7 s\u1edf h\u1eefu 802 t\u1ef7 \u0111\u1ed3ng, chi\u1ebfm 11%), NH Ph\u00e1t tri\u1ec3n Vi\u1ec7t Nam (VDB) cho Vidifi – ch\u1ee7 \u0111\u1ea7u t\u01b0 d\u1ef1 \u00e1n \u0110\u01b0\u1eddng cao t\u1ed1c H\u00e0 N\u1ed9i – H\u1ea3i Ph\u00f2ng vay 40.863 t\u1ef7 \u0111\u1ed3ng (v\u1ed1n ch\u1ee7 s\u1edf h\u1eefu 4.624 t\u1ef7 \u0111\u1ed3ng, chi\u1ebfm 10,2%), Vietcombank cho Tasco \u2013 ch\u1ee7 \u0111\u1ea7u t\u01b0 d\u1ef1 \u00e1n BOT QL 10 \u0111o\u1ea1n Qu\u00e1n Toan \u2013 C\u1ea7u Ngh\u00ecn vay 2.334 t\u1ef7 \u0111\u1ed3ng (v\u1ed1n ch\u1ee7 s\u1edf h\u1eefu 357 t\u1ef7 \u0111\u1ed3ng chi\u1ebfm 12,7%)\u2026<\/p>\n

R\u1ee7i ro ai g\u00e1nh?<\/strong><\/p>\n

Lu\u1eadt s\u01b0 Tr\u01b0\u01a1ng Thanh \u0110\u1ee9c nh\u1eadn \u0111\u1ecbnh, c\u00e1c d\u1ef1 \u00e1n BOT \u0111ang b\u1ecb \u201cm\u00e9o m\u00f3\u201d v\u1ec1 b\u1ea3n ch\u1ea5t, nh\u00e0 \u0111\u1ea7u t\u01b0 \u0111ang \u0111\u01b0\u1ee3c bi\u1ec7t \u0111\u00e3i qu\u00e1 nhi\u1ec1u, \u0111\u1eb7c bi\u1ec7t l\u00e0 nh\u1eefng tr\u00e1ch nhi\u1ec7m t\u00e0i ch\u00ednh.<\/em><\/p>\n

Vi\u1ec7c quy \u0111\u1ecbnh m\u1ee9c v\u1ed1n ch\u1ee7 s\u1edf h\u1eefu c\u1ee7a nh\u00e0 \u0111\u1ea7u t\u01b0 15% ho\u1eb7c \u00edt h\u01a1n v\u1edbi d\u1ef1 \u00e1n tr\u00ean 1.500 t\u1ef7 l\u00e0 qu\u00e1 th\u1ea5p v\u00e0 c\u00f3 ph\u1ea7n b\u1ea5t h\u1ee3p l\u00fd b\u1edfi m\u1ed9t nh\u00e0 \u0111\u1ea7u t\u01b0 b\u1ecf ti\u1ec1n l\u00e0m \u0111\u01b0\u1eddng, thu ph\u00ed l\u1ea5y l\u00e3i m\u00e0 ph\u1ea3i \u0111i vay ng\u00e2n h\u00e0ng t\u1edbi 85%. Trong khi, l\u00e3i su\u1ea5t ng\u00e2n h\u00e0ng \u1edf Vi\u1ec7t Nam so v\u1edbi c\u00e1c n\u01b0\u1edbc cao h\u01a1n r\u1ea5t nhi\u1ec1u, ch\u1eb3ng h\u1ea1n d\u1ef1 \u00e1n Cai L\u1eady, Ti\u1ec1n Giang l\u00e3i ng\u00e2n h\u00e0ng l\u00e0 10-12%.Tuy nhi\u00ean, l\u00e3i vay n\u00e0y l\u1ea1i \u0111\u01b0\u1ee3c t\u00ednh v\u00e0o t\u1ed5ng m\u1ee9c \u0111\u1ea7u t\u01b0, khi\u1ebfn c\u00e1c \u201c\u00f4ng ch\u1ee7\u201d d\u1ef1 \u00e1n BOT thay v\u00ec t\u0103ng v\u1ed1n t\u1ef1 c\u00f3 nay l\u1ea1i \u0111\u01b0\u1ee3c th\u00eam \u0111\u1ed9ng c\u01a1 \u0111\u1ed9i v\u1ed1n, t\u0103ng n\u1ee3 vay.<\/p>\n

Ngo\u00e0i ra, theo quy \u0111\u1ecbnh v\u1ec1 t\u00edn d\u1ee5ng, c\u00e1c ng\u00e2n h\u00e0ng ch\u1ec9 cho ph\u00e9p nh\u00e0 \u0111\u1ea7u t\u01b0, doanh nghi\u1ec7p vay v\u1ed1n cho c\u00e1c d\u1ef1 \u00e1n khi d\u1ef1 \u00e1n c\u00f3 kh\u1ea3 n\u0103ng ho\u00e0n v\u1ed1n. Tuy nhi\u00ean, trong tri\u1ec3n khai th\u1ef1c hi\u1ec7n c\u00e1c nguy\u00ean t\u1eafc n\u00e0y, c\u00f3 m\u1ed9t s\u1ed1 tr\u01b0\u1eddng h\u1ee3p ng\u00e2n h\u00e0ng l\u1ea1i d\u1ef1a v\u00e0o th\u00f4ng tin x\u00e1c nh\u1eadn tr\u00ean gi\u1ea5y ch\u1ee9ng nh\u1eadn \u0111\u0103ng k\u00fd \u0111\u1ea7u t\u01b0 c\u1ee7a d\u1ef1 \u00e1n, trong khi \u0111\u00e2y ch\u1ec9 l\u00e0 b\u1ea3n x\u00e1c nh\u1eadn th\u00f4ng tin \u0111\u0103ng k\u00fd c\u1ee7a nh\u00e0 \u0111\u1ea7u t\u01b0 d\u1eabn \u0111\u1ebfn t\u00ecnh tr\u1ea1ng nhi\u1ec1u doanh nghi\u1ec7p b\u1eb1ng c\u00e1ch n\u00e0y hay c\u00e1ch kh\u00e1c d\u00f9 kh\u00f4ng \u0111\u1ea3m b\u1ea3o ngu\u1ed3n v\u1ed1n ch\u1ee7 s\u1edf h\u1eefu nh\u01b0ng v\u1eabn xin \u0111\u01b0\u1ee3c d\u1ef1 \u00e1n r\u1ed3i vay v\u1ed1n ng\u00e2n h\u00e0ng \u0111\u1ec3 th\u1ef1c hi\u1ec7n.<\/p>\n

C\u0169ng theo Lu\u1eadt s\u01b0 \u0110\u1ee9c, nh\u1eefng d\u1ef1 \u00e1n \u0111\u1ea7u t\u01b0 kinh doanh th\u00f4ng th\u01b0\u1eddng khi r\u01a1i v\u00e0o nh\u1eefng tr\u01b0\u1eddng h\u1ee3p b\u1ea5t kh\u1ea3 kh\u00e1ng th\u00ec v\u1eabn ph\u1ea3i t\u1ef1 g\u00e1nh thi\u1ec7t h\u1ea1i, t\u1ef1 t\u00ecm c\u00e1ch kh\u1eafc ph\u1ee5c. Ri\u00eang \u0111\u01b0\u1eddng BOT t\u1ea1i Vi\u1ec7t Nam th\u00ec l\u1ea1i c\u00f3 t\u00ednh an to\u00e0n tuy\u1ec7t \u0111\u1ed1i v\u1ec1 v\u1ed1n \u0111\u1ea7u t\u01b0. Nhi\u1ec1u tr\u01b0\u1eddng h\u1ee3p trong th\u1ef1c t\u1ebf \u0111\u00e3 ch\u1ee9ng minh, ch\u1ee7 \u0111\u1ea7u t\u01b0 BOT lu\u00f4n lu\u00f4n c\u00f3 l\u00e3i, kh\u00f4ng bao gi\u1edd l\u1ed7.V\u1ea5n \u0111\u1ec1 ch\u1ec9 c\u00f2n l\u00e0 vi\u1ec7c thu h\u1ed3i v\u1ed1n nhanh hay ch\u1eadm.<\/em><\/p>\n

M\u1ed9t ngh\u1ecbch l\u00fd kh\u00e1c ph\u1ea3i x\u00e9t \u0111\u1ebfn \u1edf \u0111\u00e2y l\u00e0, theo l\u1ebd th\u01b0\u1eddng t\u1ea5t c\u1ea3 d\u1ef1 \u00e1n gi\u00e1 c\u00e0ng th\u1ea5p m\u1edbi thu h\u1ed3i v\u1ed1n, m\u1edbi c\u1ea1nh tranh \u0111\u01b0\u1ee3c. Nh\u01b0ng ch\u1ec9 duy nh\u1ea5t tr\u01b0\u1eddng h\u1ee3p d\u1ef1 \u00e1n BOT \u0111\u01b0\u1eddng b\u1ed9 n\u00e0y l\u00e0 ng\u01b0\u1ee3c l\u1ea1i, t\u0103ng m\u1ee9c ph\u00ed c\u00e0ng cao c\u00e0ng t\u1ed1t, v\u00ec c\u00e0ng nhanh ch\u00f3ng ho\u00e0n v\u1ed1n, c\u00e0ng c\u00f3 l\u00e3i v\u00e0 gi\u1ea3m r\u1ee7i ro.<\/em><\/p>\n

Trong tr\u01b0\u1eddng h\u1ee3p kh\u00f4ng t\u0103ng \u0111\u01b0\u1ee3c ph\u00ed th\u00ec c\u0169ng ch\u1eb3ng ph\u1ea3i v\u1ea5n \u0111\u1ec1 \u0111\u00e1ng quan ng\u1ea1i, b\u1edfi trong c\u00e1c h\u1ee3p \u0111\u1ed3ng BOT lu\u00f4n c\u00f3 \u0111i\u1ec1u kho\u1ea3n cho nh\u00e0 \u0111\u1ea7u t\u01b0 k\u00e9o d\u00e0i th\u1eddi gian thu ph\u00ed n\u1ebfu ch\u1ee9ng minh \u0111\u01b0\u1ee3c ch\u01b0a thu h\u1ed3i \u0111\u1ee7 v\u1ed1n.<\/em><\/p>\n

Ho\u1eb7c nh\u01b0 th\u1ef1c t\u1ebf hi\u1ec7n nay c\u00f2n t\u1ed3n t\u1ea1i chuy\u1ec7n t\u0103ng ph\u00ed \u0111\u01b0\u1eddng n\u00e0y \u0111\u1ec3 b\u00f9 cho vi\u1ec7c \u0111\u1ea7u t\u01b0 BOT \u1edf con \u0111\u01b0\u1eddng kh\u00e1c. V\u00ed d\u1ee5, t\u0103ng ph\u00ed Qu\u1ed1c l\u1ed9 5 \u0111\u1ec3 b\u00f9 cho nh\u00e0 \u0111\u1ea7u t\u01b0 cao t\u1ed1c H\u00e0 N\u1ed9i \u2013 H\u1ea3i Ph\u00f2ng \u0111\u1ec3 nh\u00e0 \u0111\u1ea7u t\u01b0 ho\u00e0n v\u1ed1n. \u0110\u00e2y l\u00e0 \u0111i\u1ec1u phi l\u00fd, kh\u00f4ng c\u00f3 quy \u0111\u1ecbnh n\u00e0o c\u1ee7a ph\u00e1p lu\u1eadt hay tho\u1ea3 thu\u1eadn n\u00e0o trong h\u1ee3p \u0111\u1ed3ng BOT cho ph\u00e9p \u0111i\u1ec1u n\u00e0y.<\/em><\/p>\n

N\u00f3i v\u1ec1 ph\u00eda c\u00e1c ng\u00e2n h\u00e0ng, \u201ch\u1ecd \u0111\u1ec1u \u0111\u00e3 t\u00ednh to\u00e1n k\u0129 c\u00e0ng t\u1eebng b\u01b0\u1edbc v\u00e0 th\u1ea5y c\u0169ng c\u00f3 l\u1ee3i khi cho doanh nghi\u1ec7p vay \u0111\u1ec3 th\u1ef1c hi\u1ec7n d\u1ef1 \u00e1n \u0111\u01b0\u1eddng b\u1ed9 BOT th\u00ec h\u1ecd m\u1edbi l\u00e0m\u201d. Kh\u00f4ng c\u00f3 d\u1ef1 \u00e1n n\u00e0o an to\u00e0n ch\u1eafc ch\u1eafn trong t\u1ea5t c\u1ea3 l\u0129nh v\u1ef1c cho vay, k\u1ec3 c\u1ea3 \u0111\u00e1nh b\u1eaft xa b\u1edd. Nh\u01b0ng c\u00e1c d\u1ef1 \u00e1n BOT \u0111\u01b0\u1eddng b\u1ed9 ch\u1eafc ch\u1eafn an to\u00e0n v\u00e0 \u0111\u1ea3m b\u1ea3o hi\u1ec7u qu\u1ea3. \u201cNg\u00e2n h\u00e0ng ch\u1eafc ch\u1eafn kh\u00f4ng bao gi\u1edd m\u1ea5t v\u1ed1n. Nh\u01b0 th\u1ebf h\u1ecd s\u1ebd cho vay c\u00e0ng nhi\u1ec1u c\u00e0ng t\u1ed1t\u201d \u2013 Lu\u1eadt s\u01b0 Tr\u01b0\u01a1ng Thanh \u0110\u1ee9c n\u00f3i.<\/em><\/p>\n

V\u1ecb n\u00e0y c\u0169ng \u0111\u01b0a ra nh\u1eadn \u0111\u1ecbnh, nhi\u1ec1u \u00fd ki\u1ebfn t\u1eebng \u0111\u01b0a ra tr\u01b0\u1edbc \u0111\u00e2y cho r\u1eb1ng, hi\u1ec7n nay c\u00e1c ch\u1ee7 \u0111\u1ea7u t\u01b0 ch\u1ec9 ph\u1ea3i ch\u1ecbu tr\u00e1ch nhi\u1ec7m ch\u01b0a \u0111\u1ebfn 13% t\u1ed5ng m\u1ee9c \u0111\u1ea7u t\u01b0 d\u1ef1 \u00e1n v\u00e0 t\u1ef7 l\u1ec7 n\u1ee3 vay qu\u00e1 cao \u0111ang d\u1ed3n \u0111a ph\u1ea7n r\u1ee7i ro v\u1ec1 ph\u00eda ng\u00e2n h\u00e0ng, nh\u01b0ng ngay c\u1ea3 trong s\u1ed1 n\u00e0y, nhi\u1ec1u tr\u01b0\u1eddng h\u1ee3p, nh\u00e0 n\u01b0\u1edbc v\u00e0 ng\u01b0\u1eddi d\u00e2n m\u1edbi l\u00e0 ng\u01b0\u1eddi ch\u1ecbu r\u1ee7i ro cu\u1ed1i c\u00f9ng.<\/em><\/p>\n

\u201cB\u1ea3n ch\u1ea5t l\u00e0m BOT l\u00e0 doanh nghi\u1ec7p b\u1ecf ti\u1ec1n \u0111\u1ea7u t\u01b0, doanh nghi\u1ec7p thu ph\u00ed nh\u01b0ng hi\u1ec7n t\u1ea1i v\u1ea5n \u0111\u1ec1 n\u1eb1m \u1edf ch\u1ed7 ti\u1ec1n ban \u0111\u1ea7u r\u00f3t v\u00e0o c\u0169ng l\u00e0 ti\u1ec1n vay ng\u00e2n h\u00e0ngn\u1ebfu kh\u00f4ng c\u1ea9n th\u1eadn, ti\u1ec1n vay n\u00e0y c\u0169ng tr\u1edf th\u00e0nh m\u1ed9t kho\u1ea3n n\u1ee3 x\u1ea5u m\u00e0 ng\u00e2n h\u00e0ng \u0111\u1ed5 v\u1ee1 th\u00ec nh\u00e0 n\u01b0\u1edbc ph\u1ea3i g\u00e1nh ch\u1ecbu. Nh\u01b0 v\u1eady, th\u00e0 r\u1eb1ng \u0111\u1ec3 Nh\u00e0 n\u01b0\u1edbc \u0111i vay b\u1eb1ng tr\u00e1i phi\u1ebfu r\u1ed3i \u0111\u1ea7u t\u01b0 l\u00e0m \u0111\u01b0\u1eddng th\u00ec ch\u1eafc ch\u1eafn l\u00e3i su\u1ea5t s\u1ebd th\u1ea5p h\u01a1n vi\u1ec7c nh\u00e0 \u0111\u1ea7u t\u01b0 \u0111i vay ng\u00e2n h\u00e0ng.Nh\u01b0 v\u1eady v\u1eeba \u0111\u1ea3m b\u1ea3o y\u1ebfu t\u1ed1 c\u00f4ng khai minh b\u1ea1ch, v\u1eeba gi\u1ea3m \u0111\u01b0\u1ee3c chi ph\u00ed \u0111\u1ea7u t\u01b0 m\u00e0 t\u1eeb \u0111\u00f3 ng\u01b0\u1eddi d\u00e2n c\u0169ng kh\u00f4ng ph\u1ea3i ch\u1ecbu nh\u1eefng c\u1ea3nh thu ph\u00ed BOT b\u1ea5t h\u1ee3p l\u00fd, g\u00e2y b\u1ee9c x\u00fac nh\u01b0 th\u1eddi gian qua\u201d \u2013 Lu\u1eadt s\u01b0 \u0110\u1ee9c n\u00eau quan \u0111i\u1ec3m.<\/em><\/p>\n

 <\/p>\n

Di\u1ec7u Ly.\u00a0<\/strong><\/p>\n

\n

 <\/p>\n

Ng\u01b0\u1eddi \u0111\u01b0a tin (\u0110\u1ea7u t\u01b0) 21-8-2017:<\/em><\/strong><\/p>\n

http:\/\/www.nguoiduatin.vn\/thoi-ngan-hang-doanh-nghiep-song-ky-sinh-vao-bot-a336379.html<\/a><\/em><\/strong><\/p>\n

(634\/1.456)<\/em>","protected":false},"excerpt":{"rendered":"

(N\u0110T) – Nhi\u1ec1u \u00fd ki\u1ebfn cho r\u1eb1ng, vi\u1ec7c c\u00e1c d\u1ef1 \u00e1n BOT \u0111\u01b0\u1eddng b\u1ed9 ph\u1ee5 thu\u1ed9c \u0111\u1ebfn 85% v\u00e0o ngu\u1ed3n v\u1ed1n vay ng\u00e2n h\u00e0ng c\u00f3 th\u1ec3 d\u1eabn \u0111\u1ebfn nhi\u1ec1u r\u1ee7i ro cho h\u1ec7 th\u1ed1ng t\u00edn d\u1ee5ng, nh\u01b0ng tr\u00ean th\u1ef1c t\u1ebf d\u00f2ng v\u1ed1n ng\u00e2n h\u00e0ng v\u1eabn trong xu h\u01b0\u1edbng ch\u1ea3y \u201cn\u00f3ng\u201d v\u00e0o c\u00e1c d\u1ef1 \u00e1n n\u00e0y […]<\/p>\n","protected":false},"author":7,"featured_media":18546,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":""},"categories":[27,26],"tags":[],"class_list":["post-18545","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-interviews","category-legal-media"],"acf":[],"yoast_head":"\n1.776. 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