{"id":18874,"date":"2016-11-26T09:13:29","date_gmt":"2016-11-26T02:13:29","guid":{"rendered":"https:\/\/anvilaw.com\/vi\/?p=18874"},"modified":"2022-04-22T09:17:14","modified_gmt":"2022-04-22T02:17:14","slug":"1-440-tu-do-hoa-lai-suat-xu-the-tat-yeu-cua-thi-truong-tai-chinh","status":"publish","type":"post","link":"https:\/\/anvilaw.com\/vi\/1-440-tu-do-hoa-lai-suat-xu-the-tat-yeu-cua-thi-truong-tai-chinh\/","title":{"rendered":"1.440. T\u1ef1 do h\u00f3a l\u00e3i su\u1ea5t: Xu th\u1ebf t\u1ea5t y\u1ebfu c\u1ee7a th\u1ecb tr\u01b0\u1eddng t\u00e0i ch\u00ednh"},"content":{"rendered":"(\u0110\u0110K) – Vay ti\u00eau d\u00f9ng v\u00e0o d\u1ecbp cu\u1ed1i n\u0103m \u0111ang di\u1ec5n ra r\u1ea5t s\u00f4i \u0111\u1ed9ng trong khu\u00f4n kh\u1ed5 t\u1ef1 do h\u00f3a l\u00e3i su\u1ea5t. Tuy nhi\u00ean, ch\u00ednh s\u00e1ch n\u00e0y d\u01b0\u1eddng nh\u01b0 v\u1eabn ch\u01b0a th\u1ef1c s\u1ef1 \u0111\u01b0\u1ee3c tri\u1ec3n khai \u0111\u00fang ngh\u0129a \u0111\u1ed1i v\u1edbi th\u1ecb tr\u01b0\u1eddng t\u00e0i ch\u00ednh ti\u00eau d\u00f9ng. \u0110\u1ec3 gi\u1ea3i \u0111\u00e1p m\u1ecdi th\u1eafc m\u1eafc v\u1ec1 v\u1ea5n \u0111\u1ec1 n\u00e0y, ch\u00fang t\u00f4i \u0111\u00e3 c\u00f3 bu\u1ed5i trao \u0111\u1ed5i v\u1edbi Lu\u1eadt s\u01b0 Tr\u01b0\u01a1ng Thanh \u0110\u1ee9c, Ch\u1ee7 nhi\u1ec7m C\u00e2u l\u1ea1c b\u1ed9 Ph\u00e1p ch\u1ebf Ng\u00e2n h\u00e0ng, Hi\u1ec7p h\u1ed9i Ng\u00e2n h\u00e0ng Nh\u00e0 n\u01b0\u1edbc (NHNN) Vi\u1ec7t Nam.<\/em><\/strong><\/p>\n

\"\"<\/p>\n

Lu\u1eadt s\u01b0 Tr\u01b0\u01a1ng Thanh \u0110\u1ee9c.<\/em><\/p>\n

PV:<\/strong>\u00a0<\/strong>NHNN m\u1edbi \u0111\u00e2y c\u00f4ng b\u1ed1 D\u1ef1 th\u1ea3o Th\u00f4ng t\u01b0 h\u01b0\u1edbng d\u1eabn v\u1ec1 ho\u1ea1t \u0111\u1ed9ng cho vay ti\u00eau d\u00f9ng c\u1ee7a c\u00f4ng ty t\u00e0i ch\u00ednh, trong \u0111\u00f3 n\u00eau m\u1ed9t s\u1ed1 quy \u0111\u1ecbnh v\u1ec1 m\u1ee9c t\u00ednh l\u00e3i su\u1ea5t. Xin \u00f4ng cho bi\u1ebft th\u00eam v\u1ec1 n\u1ed9i dung n\u00e0y?<\/em><\/p>\n

Lu\u1eadt s\u01b0 Tr\u01b0\u01a1ng Thanh \u0110\u1ee9c:<\/strong>\u00a0<\/strong>D\u1ef1 th\u1ea3o Th\u00f4ng t\u01b0 m\u1edbi \u0111\u00e2y l\u00e0 quy\u1ebft \u0111\u1ecbnh ho\u00e0n to\u00e0n \u0111\u00fang \u0111\u1eafn c\u1ee7a NHNN th\u1ec3 hi\u1ec7n quan \u0111i\u1ec3m t\u00f4n tr\u1ecdng nguy\u00ean t\u1eafc th\u1ecfa thu\u1eadn trong n\u1ec1n kinh t\u1ebf th\u1ecb tr\u01b0\u1eddng. \u0110i\u1ec1u n\u00e0y c\u0169ng ho\u00e0n to\u00e0n ph\u00f9 h\u1ee3p v\u1edbi \u0111\u1ecbnh h\u01b0\u1edbng \u0111i\u1ec1u h\u00e0nh c\u1ee7a NHNN b\u1ea5y l\u00e2u nay.<\/p>\n

Theo D\u1ef1 th\u1ea3o Th\u00f4ng t\u01b0 th\u00ec m\u1ee9c t\u00ednh l\u00e3i su\u1ea5t g\u1ed3m c\u00f3 3 lo\u1ea1i: L\u00e3i su\u1ea5t n\u1ee3 trong h\u1ea1n, l\u00e3i su\u1ea5t qu\u00e1 h\u1ea1n n\u1ee3 g\u1ed1c v\u00e0 l\u00e3i su\u1ea5t qu\u00e1 h\u1ea1n n\u1ee3 l\u00e3i.<\/p>\n

D\u1ef1 th\u1ea3o Th\u00f4ng t\u01b0 th\u1ec3 hi\u1ec7n theo tinh th\u1ea7n, m\u1ee9c l\u00e3i su\u1ea5t n\u1ee3 trong h\u1ea1n kh\u00f4ng b\u1ecb gi\u1edbi h\u1ea1n 20%\/n\u0103m, t\u01b0\u01a1ng \u1ee9ng theo \u0111\u00f3, t\u1ed5ng c\u1ed9ng m\u1ee9c l\u00e3i su\u1ea5t \u0111\u1ed1i v\u1edbi n\u1ee3 g\u1ed1c qu\u00e1 h\u1ea1n kh\u00f4ng b\u1ecb gi\u1edbi h\u1ea1n 30%\/n\u0103m nh\u01b0 quy \u0111\u1ecbnh c\u1ee7a B\u1ed9 lu\u1eadt D\u00e2n s\u1ef1 n\u0103m 2015.<\/p>\n

Ch\u1ec9 c\u00f3 l\u00e3i su\u1ea5t \u0111\u1ed1i v\u1edbi ti\u1ec1n l\u00e3i qu\u00e1 h\u1ea1n l\u00e0 b\u1eb1ng 10% theo \u0111\u00fang quy \u0111\u1ecbnh c\u1ee7a B\u1ed9 lu\u1eadt D\u00e2n s\u1ef1 n\u0103m 2015. Nh\u01b0 v\u1eady ho\u00e0n to\u00e0n ph\u00f9 h\u1ee3p v\u1edbi th\u1ef1c t\u1ebf, v\u00e0 c\u00f2n kh\u1eb3ng \u0111\u1ecbnh r\u00f5 r\u00e0ng \u0111\u01b0\u1ee3c c\u00e1ch t\u00ednh l\u00e3i tr\u00ean l\u00e3i, \u0111i\u1ec1u m\u00e0 l\u00e2u nay h\u1ea7u nh\u01b0 kh\u00f4ng \u0111\u01b0\u1ee3c To\u00e0 \u00e1n ch\u1ea5p nh\u1eadn.<\/p>\n

\u00a0V\u1eady c\u00e1ch t\u00ednh l\u00e3i su\u1ea5t c\u00f3 \u0111\u01b0\u1ee3c cho l\u00e0 ph\u00f9 h\u1ee3p kh\u00f4ng, th\u01b0a \u00f4ng?<\/em><\/p>\n

– \u00a0D\u1ef1 th\u1ea3o Th\u00f4ng t\u01b0 \u0111\u00e3 \u0111\u01b0a ra kh\u00e1 nhi\u1ec1u y\u00eau c\u1ea7u c\u1ee5 th\u1ec3 v\u1ec1 vi\u1ec7c t\u00ednh l\u00e3i su\u1ea5t nh\u01b0: \u201cL\u00e3i su\u1ea5t cho vay \u0111\u01b0\u1ee3c t\u00ednh theo t\u1ef7 l\u1ec7 %\/n\u0103m\u201d; ph\u1ea3i \u201cbao g\u1ed3m ph\u01b0\u01a1ng ph\u00e1p, th\u1eddi \u0111i\u1ec3m, th\u1eddi gian t\u00ednh l\u00e3i ti\u1ec1n vay\u201d; \u201cnguy\u00ean t\u1eafc x\u00e1c \u0111\u1ecbnh, th\u1eddi \u0111i\u1ec3m x\u00e1c \u0111\u1ecbnh l\u00e3i su\u1ea5t cho vay\u201d; \u201cb\u1ea3o \u0111\u1ea3m l\u00e3i ti\u1ec1n vay ph\u1ea3i tr\u1ea3 ch\u1ec9 \u0111\u01b0\u1ee3c t\u00ednh tr\u00ean c\u01a1 s\u1edf d\u01b0 n\u1ee3 cho vay th\u1ef1c t\u1ebf t\u1ea1i th\u1eddi \u0111i\u1ec3m t\u00ednh l\u00e3i\u201d\u2026<\/p>\n

Nh\u1eefng quy \u0111\u1ecbnh tr\u00ean c\u00f3 ph\u1ea7n c\u1ee9ng nh\u1eafc v\u00e0 ch\u01b0a ph\u00f9 h\u1ee3p v\u1edbi th\u1ecb tr\u01b0\u1eddng t\u00e0i ch\u00ednh. Vi\u1ec7c quy \u0111\u1ecbnh nh\u01b0 v\u1eady nh\u1eb1m b\u1ea3o \u0111\u1ea3m t\u00ednh th\u1ed1ng nh\u1ea5t, r\u00f5 r\u00e0ng, gi\u00fap ng\u01b0\u1eddi vay d\u1ec5 hi\u1ec3u, d\u1ec5 ph\u00e2n bi\u1ec7t v\u00e0 so s\u00e1nh l\u00e3i su\u1ea5t.<\/p>\n

Tuy nhi\u00ean, thay v\u00ec ch\u1ed1t c\u1ee9ng l\u00e3i su\u1ea5t theo n\u0103m hay ch\u1ec9 \u0111\u01b0\u1ee3c t\u00ednh tr\u00ean d\u01b0 n\u1ee3 (kh\u00f4ng \u0111\u01b0\u1ee3c t\u00ednh tr\u00ean n\u1ee3 g\u1ed1c ban \u0111\u1ea7u), th\u00ec D\u1ef1 th\u1ea3o n\u00ean quy \u0111\u1ecbnh l\u1ecfng h\u01a1n, trong \u0111\u00f3 ph\u1ea3i quy \u0111\u1ed5i t\u01b0\u01a1ng \u0111\u01b0\u01a1ng, kh\u00f4ng nh\u1ea5t thi\u1ebft ch\u1ec9 s\u1eed d\u1ee5ng m\u1ed9t c\u00e1ch t\u00ednh duy nh\u1ea5t.<\/p>\n

Ngo\u00e0i ra, vi\u1ec7c quy \u0111\u1ecbnh h\u1ea1n m\u1ee9c cho vay 10 tri\u1ec7u \u0111\u1ed3ng c\u0169ng l\u00e0 ch\u01b0a h\u1ee3p l\u00fd, ch\u01b0a ph\u00f9 h\u1ee3p v\u1edbi y\u00eau c\u1ea7u th\u1ef1c t\u1ebf. Hi\u1ec7n nay, nhu c\u1ea7u ti\u00eau d\u00f9ng ph\u1ed5 bi\u1ebfn v\u1edbi c\u00e1c kho\u1ea3n chi ti\u00eau tr\u00ean 10 tri\u1ec7u \u0111\u1ed3ng nh\u01b0: \u0111i\u1ec7n tho\u1ea1i th\u00f4ng minh, m\u00e1y t\u00ednh b\u1ea3ng, m\u00e1y t\u00ednh x\u00e1ch tay, m\u00f4 t\u00f4…<\/p>\n

Theo t\u00f4i, c\u1ea7n t\u0103ng m\u1ee9c n\u00e0y l\u00ean v\u00e0i l\u1ea7n, hay \u00edt nh\u1ea5t l\u00e0 n\u00e2ng l\u00ean g\u1ea5p \u0111\u00f4i, t\u01b0\u01a1ng \u0111\u01b0\u01a1ng v\u1edbi m\u1ee9c ph\u1ea3i thanh to\u00e1n qua ng\u00e2n h\u00e0ng \u0111\u1ec3 \u0111\u01b0\u1ee3c kh\u1ea5u tr\u1eeb thu\u1ebf gi\u00e1 tr\u1ecb gia t\u0103ng theo quy \u0111\u1ecbnh c\u1ee7a Lu\u1eadt Thu\u1ebf gi\u00e1 tr\u1ecb gia t\u0103ng.<\/p>\n

Hi\u1ec7n nay, d\u01b0 lu\u1eadn \u0111ang nh\u1eafc kh\u00e1 nhi\u1ec1u \u0111\u1ebfn \u201ct\u1ef1 do h\u00f3a l\u00e3i su\u1ea5t\u201d. Theo \u00f4ng, m\u1ed9t th\u1ecb tr\u01b0\u1eddng nh\u01b0 th\u1ebf n\u00e0o th\u00ec s\u1ebd \u0111\u01b0\u1ee3c coi l\u00e0 t\u1ef1 do v\u1ec1 l\u00e3i su\u1ea5t?<\/em><\/p>\n

– \u00a0\u0110\u00f3 l\u00e0 th\u1ecb tr\u01b0\u1eddng m\u00e0 \u1edf \u0111\u00f3 c\u00e1c b\u00ean (\u0111i vay v\u00e0 cho vay) \u0111\u01b0\u1ee3c th\u1ecfa thu\u1eadn l\u00e3i su\u1ea5t, kh\u00f4ng b\u1ecb gi\u1edbi h\u1ea1n b\u1eb1ng ph\u00e1p lu\u1eadt. N\u1ebfu th\u1ef1c s\u1ef1 t\u1ea1o \u0111\u01b0\u1ee3c m\u00f4i tr\u01b0\u1eddng t\u1ef1 do l\u00e3i su\u1ea5t, v\u1edbi quy lu\u1eadt c\u1ea1nh tranh th\u00ec kh\u00f4ng lo t\u1ed5 ch\u1ee9c t\u00edn d\u1ee5ng t\u00f9y ti\u1ec7n n\u00e2ng l\u00e3i su\u1ea5t. Khi \u0111\u00f3, l\u00e3i su\u1ea5t s\u1ebd t\u1ef1 \u0111\u01b0\u1ee3c \u0111i\u1ec1u ch\u1ec9nh \u0111\u1ec3 ph\u00f9 h\u1ee3p v\u1edbi cung v\u00e0 c\u1ea7u.<\/p>\n

M\u1eb7c d\u00f9 v\u1eady, B\u1ed9 lu\u1eadt D\u00e2n s\u1ef1 (s\u1eeda \u0111\u1ed5i) n\u0103m 2015 hi\u1ec7n \u0111ang c\u00f3 quy \u0111\u1ecbnh v\u1ec1 tr\u1ea7n l\u00e3i su\u1ea5t kh\u00f4ng qu\u00e1 20%\/n\u0103m v\u00e0 s\u1ebd ch\u00ednh th\u1ee9c c\u00f3 hi\u1ec7u l\u1ef1c. V\u1eady \u0111i\u1ec1u n\u00e0y \u0111i ng\u01b0\u1ee3c v\u1edbi xu h\u01b0\u1edbng t\u1ef1 do h\u00f3a l\u00e3i su\u1ea5t, th\u01b0a \u00f4ng?<\/em><\/p>\n

– \u00a0\u0110\u00fang nh\u01b0 v\u1eady. Tr\u1ea7n l\u00e3i su\u1ea5t cho vay l\u00e0 m\u1ed9t s\u1ef1 b\u1ea5t c\u1eadp su\u1ed1t 30 n\u0103m qua, k\u1ec3 t\u1eeb khi chuy\u1ec3n \u0111\u1ed5i sang n\u1ec1n kinh t\u1ebf th\u1ecb tr\u01b0\u1eddng v\u00e0 \u0111\u00e1ng ti\u1ebfc l\u00e0 v\u1eabn ch\u01b0a \u0111\u01b0\u1ee3c gi\u1ea3i quy\u1ebft d\u1ee9t \u0111i\u1ec3m trong B\u1ed9 lu\u1eadt D\u00e2n s\u1ef1 n\u0103m 2015 (c\u00f3 hi\u1ec7u l\u1ef1c t\u1eeb ng\u00e0y 1-1-2017).<\/p>\n

Kho\u1ea3n 1, \u0110i\u1ec1u 468 c\u1ee7a B\u1ed9 lu\u1eadt quy \u0111\u1ecbnh l\u00e3i su\u1ea5t th\u1ecfa thu\u1eadn \u201ckh\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 quy \u0111\u1ecbnh kh\u00e1c\u201d.<\/p>\n

N\u1ebfu \u00e1p d\u1ee5ng v\u1edbi ho\u1ea1t \u0111\u1ed9ng cho vay c\u1ee7a c\u00e1c t\u1ed5 ch\u1ee9c t\u00edn d\u1ee5ng, nh\u1ea5t l\u00e0 \u0111\u1ed1i v\u1edbi c\u00f4ng ty t\u00e0i ch\u00ednh, t\u1ed5 ch\u1ee9c t\u00edn d\u1ee5ng vi m\u00f4 v\u00e0 cho vay ti\u00eau d\u00f9ng, th\u00ec s\u1ebd v\u00f4 c\u00f9ng b\u1ea5t h\u1ee3p l\u00fd, tr\u00e1i ng\u01b0\u1ee3c v\u1edbi nguy\u00ean t\u1eafc c\u01a1 b\u1ea3n, t\u1ed1i thi\u1ec3u c\u1ee7a n\u1ec1n kinh t\u1ebf th\u1ecb tr\u01b0\u1eddng v\u00e0 c\u01a1 ch\u1ebf t\u1ef1 do h\u00f3a l\u00e3i su\u1ea5t ng\u00e2n h\u00e0ng trong su\u1ed1t nhi\u1ec1u n\u0103m qua.<\/p>\n

V\u00ec v\u1eady, ho\u1eb7c ph\u1ea3i s\u1eeda \u0111\u1ed5i quy \u0111\u1ecbnh tr\u00ean, ho\u1eb7c tr\u01b0\u1edbc m\u1eaft c\u1ea7n ph\u1ea3i gi\u1ea3i th\u00edch v\u00e0 t\u1ea1m th\u1eddi v\u1eadn d\u1ee5ng quy \u0111\u1ecbnh t\u1ea1i Kho\u1ea3n 2, \u0110i\u1ec1u 91 v\u1ec1 \u201cl\u00e3i su\u1ea5t, ph\u00ed trong ho\u1ea1t \u0111\u1ed9ng kinh doanh c\u1ee7a t\u1ed5 ch\u1ee9c t\u00edn d\u1ee5ng\u201d, Lu\u1eadt C\u00e1c t\u1ed5 ch\u1ee9c t\u00edn d\u1ee5ng n\u0103m 2010.<\/p>\n

Theo \u0111\u00f3, \u201ct\u1ed5 ch\u1ee9c t\u00edn d\u1ee5ng v\u00e0 kh\u00e1ch h\u00e0ng c\u00f3 quy\u1ec1n th\u1ecfa thu\u1eadn v\u1ec1 l\u00e3i su\u1ea5t, ph\u00ed c\u1ea5p t\u00edn d\u1ee5ng trong ho\u1ea1t \u0111\u1ed9ng ng\u00e2n h\u00e0ng c\u1ee7a t\u1ed5 ch\u1ee9c t\u00edn d\u1ee5ng theo quy \u0111\u1ecbnh c\u1ee7a ph\u00e1p lu\u1eadt\u201d.<\/p>\n

Tr\u00e2n tr\u1ecdng c\u1ea3m \u01a1n \u00f4ng!<\/em><\/p>\n

Nh\u1eadt Minh<\/strong>\u00a0(th\u1ef1c hi\u1ec7n)<\/em><\/p>\n

—————————–<\/p>\n

\u0110\u1ea1i \u0111o\u00e0n k\u1ebft (Kinh t\u1ebf) 26-11-2016:<\/em><\/strong><\/p>\n

http:\/\/daidoanket.vn\/kinh-te\/tu-do-hoa-lai-suat-xu-the-tat-yeu-cua-thi-truong-tai-chinh\/136989<\/em><\/a><\/p>\n

(1.030\/1.030)<\/em>","protected":false},"excerpt":{"rendered":"

(\u0110\u0110K) – Vay ti\u00eau d\u00f9ng v\u00e0o d\u1ecbp cu\u1ed1i n\u0103m \u0111ang di\u1ec5n ra r\u1ea5t s\u00f4i \u0111\u1ed9ng trong khu\u00f4n kh\u1ed5 t\u1ef1 do h\u00f3a l\u00e3i su\u1ea5t. Tuy nhi\u00ean, ch\u00ednh s\u00e1ch n\u00e0y d\u01b0\u1eddng nh\u01b0 v\u1eabn ch\u01b0a th\u1ef1c s\u1ef1 \u0111\u01b0\u1ee3c tri\u1ec3n khai \u0111\u00fang ngh\u0129a \u0111\u1ed1i v\u1edbi th\u1ecb tr\u01b0\u1eddng t\u00e0i ch\u00ednh ti\u00eau d\u00f9ng. \u0110\u1ec3 gi\u1ea3i \u0111\u00e1p m\u1ecdi th\u1eafc m\u1eafc v\u1ec1 v\u1ea5n […]<\/p>\n","protected":false},"author":1,"featured_media":18743,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":""},"categories":[27,26],"tags":[],"class_list":["post-18874","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-interviews","category-legal-media"],"acf":[],"yoast_head":"\n1.440. 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