{"id":19165,"date":"2016-12-27T11:01:53","date_gmt":"2016-12-27T04:01:53","guid":{"rendered":"https:\/\/anvilaw.com\/vi\/?p=19165"},"modified":"2022-04-25T11:05:04","modified_gmt":"2022-04-25T04:05:04","slug":"1-465-ap-tran-lai-suat-ngan-hang-lung-tung-truoc-gio-g","status":"publish","type":"post","link":"https:\/\/anvilaw.com\/vi\/1-465-ap-tran-lai-suat-ngan-hang-lung-tung-truoc-gio-g\/","title":{"rendered":"1.465. \u00c1p tr\u1ea7n l\u00e3i su\u1ea5t: Ng\u00e2n h\u00e0ng l\u00fang t\u00fang tr\u01b0\u1edbc “gi\u1edd G”"},"content":{"rendered":"(TBKD) – T\u1eeb tu\u1ea7n t\u1edbi, quy \u0111\u1ecbnh v\u1ec1 tr\u1ea7n l\u00e3i su\u1ea5t cho vay trong B\u1ed9 lu\u1eadt D\u00e2n s\u1ef1 2015 s\u1ebd ch\u00ednh th\u1ee9c c\u00f3 hi\u1ec7u l\u1ef1c. Th\u1ebf nh\u01b0ng, \u0111\u1ebfn th\u1eddi \u0111i\u1ec3m n\u00e0y v\u1eabn ch\u01b0a c\u00f3 h\u01b0\u1edbng d\u1eabn c\u1ee5 th\u1ec3 cho \u0111\u1ed1i t\u01b0\u1ee3ng ch\u1ecbu s\u1ef1 \u0111i\u1ec1u ch\u1ec9nh, khi\u1ebfn th\u1ecb tr\u01b0\u1eddng t\u00e0i ch\u00ednh hoang mang kh\u00f4ng r\u00f5 m\u00ecnh ph\u1ea3i th\u1ef1c thi theo lu\u1eadt n\u00e0o.<\/strong><\/p>\n

B\u1ed9 Lu\u1eadt D\u00e2n s\u1ef1 2015 s\u1ebd ch\u00ednh th\u1ee9c c\u00f3 hi\u1ec7u l\u1ef1c k\u1ec3 t\u1eeb ng\u00e0y 01\/01\/2017. Theo \u0111\u00f3, \u0111\u1ed1i v\u1edbi c\u00e1c tr\u01b0\u1eddng h\u1ee3p c\u00f3 th\u1ecfa thu\u1eadn v\u1ec1 l\u00e3i su\u1ea5t th\u00ec kh\u00f4ng \u0111\u01b0\u1ee3c v\u01b0\u1ee3t qu\u00e1 20% 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. \u0110\u00e2y \u0111\u01b0\u1ee3c xem c\u00f4ng c\u1ee5 c\u1ea7n thi\u1ebft nh\u1eb1m h\u01b0\u1edbng t\u1edbi h\u1ea1n ch\u1ebf t\u00edn d\u1ee5ng \u0111en, cho vay n\u1eb7ng l\u00e3i trong d\u00e2n c\u01b0.<\/p>\n

Th\u1ef1c thi theo Lu\u1eadt n\u00e0o?<\/strong><\/p>\n

\u0110\u00f3 l\u00e0 c\u00e2u h\u1ecfi khi\u1ebfn h\u1ea7u h\u1ebft c\u00e1c t\u1ed5 ch\u1ee9c t\u00edn d\u1ee5ng hoang mang b\u1edfi th\u1eddi \u0111i\u1ec3m \u00e1p d\u1ee5ng \u0111\u00e3 c\u1eadn k\u1ec1, song \u0111\u1ed1i t\u01b0\u1ee3ng ch\u1ecbu s\u1ef1 \u0111i\u1ec1u ch\u1ec9nh c\u1ee7a quy \u0111\u1ecbnh n\u00e0y hi\u1ec7n v\u1eabn ch\u01b0a \u0111\u01b0\u1ee3c h\u01b0\u1edbng d\u1eabn c\u1ee5 th\u1ec3.<\/p>\n

Trong khi \u0111\u00f3, khi B\u1ed9 Lu\u1eadt n\u00e0y c\u00f3 hi\u1ec7u l\u1ef1c, th\u1ecb tr\u01b0\u1eddng t\u00e0i ch\u00ednh s\u1ebd t\u1ed3n t\u1ea1i song h\u00e0nh hai quy \u0111\u1ecbnh: Lu\u1eadt c\u00e1c TCTD n\u0103m 2010 cho ph\u00e9p c\u00e1c TCTD \u0111\u01b0\u1ee3c th\u1ecfa thu\u1eadn l\u00e3i su\u1ea5t, B\u1ed9 Lu\u1eadt D\u00e2n s\u1ef1 l\u1ea1i quy \u0111\u1ecbnh l\u00e3i su\u1ea5t cho vay kh\u00f4ng qu\u00e1 20%\/n\u0103m.<\/p>\n

Nh\u01b0 v\u1eady, c\u00e2u h\u1ecfi \u0111\u1eb7t ra l\u00e0 c\u00e1c TCTD s\u1ebd ph\u1ea3i \u00e1p d\u1ee5ng l\u00e3i su\u1ea5t n\u00e0o \u0111\u1ec3 kh\u00f4ng vi ph\u1ea1m b\u1ed9 lu\u1eadt l\u1edbn n\u00e0y? Hi\u1ec7n c\u00f3 hai lu\u1ed3ng \u00fd ki\u1ebfn tr\u00e1i ng\u01b0\u1ee3c nhau. M\u1ed9t s\u1ed1 \u00fd ki\u1ebfn cho r\u1eb1ng m\u1ee9c tr\u1ea7n l\u00e3i su\u1ea5t cho vay s\u1ebd \u0111\u01b0\u1ee3c \u00e1p d\u1ee5ng \u0111\u1ed1i v\u1edbi m\u1ecdi ch\u1ee7 th\u1ec3 t\u1eeb ng\u00e2n h\u00e0ng, t\u1ed5 ch\u1ee9c t\u00edn d\u1ee5ng (TCTD) vi m\u00f4, h\u1ee3p t\u00e1c x\u00e3\u2026 t\u00e0i ch\u00ednh ti\u00eau d\u00f9ng cho t\u1edbi c\u00e1c kho\u1ea3n vay d\u00e2n s\u1ef1 b\u00ean ngo\u00e0i.<\/p>\n

Tuy nhi\u00ean, d\u01b0\u1edbi g\u00f3c \u0111\u1ed9 chuy\u00ean m\u00f4n, gi\u1edbi chuy\u00ean gia l\u1ea1i kh\u1eb3ng \u0111\u1ecbnh r\u1eb1ng Quy \u0111\u1ecbnh n\u00eau trong B\u1ed9 lu\u1eadt D\u00e2n s\u1ef1 2015 ch\u1ee7 y\u1ebfu ch\u1ec9 quy \u0111\u1ecbnh cho c\u00e1c kho\u1ea3n vay d\u00e2n s\u1ef1 b\u00ean ngo\u00e0i h\u1ec7 th\u1ed1ng TCTD.<\/p>\n

Trao \u0111\u1ed5i v\u1edbi ph\u00f3ng vi\u00ean Th\u1eddi b\u00e1o Kinh Doanh, 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, Gi\u00e1m \u0111\u1ed1c C\u00f4ng ty Lu\u1eadt ANVI, cho r\u1eb1ng theo B\u1ed9 lu\u1eadt D\u00e2n s\u1ef1 2015, l\u00e3i su\u1ea5t th\u1ecfa thu\u1eadn kh\u00f4ng \u0111\u01b0\u1ee3c v\u01b0\u1ee3t qu\u00e1 20%\/n\u0103m, tr\u1eeb tr\u01b0\u1eddng h\u1ee3p \u201clo\u1ea1i tr\u1eeb tr\u01b0\u1eddng h\u1ee3p lu\u1eadt kh\u00e1c c\u00f3 li\u00ean quan quy \u0111\u1ecbnh kh\u00e1c\u201d. C\u00f3 th\u1ec3 hi\u1ec3u B\u1ed9 lu\u1eadt \u0111\u00e3 m\u1edf \u201cl\u1ed1i \u0111i\u201d ri\u00eang v\u00e0 cho ph\u00e9p TCTD \u0111\u01b0\u1ee3c ho\u1ea1t \u0111\u1ed9ng theo lu\u1eadt chuy\u00ean ng\u00e0nh.<\/em><\/p>\n

Tuy nhi\u00ean, c\u00f3 \u00fd ki\u1ebfn cho r\u1eb1ng quy \u0111\u1ecbnh c\u1ee7a Lu\u1eadt c\u00e1c t\u1ed5 ch\u1ee9c t\u00edn d\u1ee5ng 2010 l\u1ea1i cho TCTD quy\u1ec1n tho\u1ea3 thu\u1eadn l\u00e3i su\u1ea5t nh\u01b0ng ph\u1ea3i \u201ctheo quy \u0111\u1ecbnh c\u1ee7a ph\u00e1p lu\u1eadt\u201d. Ch\u00ednh c\u00e1c c\u1ee5m t\u1eeb tr\u00ean \u0111ang khi\u1ebfn th\u1ecb tr\u01b0\u1eddng hoang mang, kh\u00f4ng r\u00f5 m\u00ecnh ph\u1ea3i th\u1ef1c thi theo lu\u1eadt n\u00e0o.<\/p>\n

C\u00e1c TCTD hoang mang v\u00ec quy \u0111\u1ecbnh \u00e1p tr\u1ea7n l\u00e3i su\u1ea5t ng\u00e0y 1\/1\/2017<\/em><\/p>\n

R\u00f5 r\u00e0ng \u0111ang c\u00f3 m\u00e2u thu\u1eabn, khi\u1ebfn lu\u1eadt ch\u1ed3ng lu\u1eadt. \u00d4ng \u0110\u1ee9c ph\u00e2n t\u00edch: Vi\u1ec7c lu\u1eadt ch\u1ed3ng lu\u1eadt kh\u00f4ng ch\u1ec9 khi\u1ebfn c\u00e1c TCTD kh\u00f3 \u00e1p d\u1ee5ng m\u00e0 c\u00f2n c\u00f3 th\u1ec3 d\u1eabn t\u1edbi nguy c\u01a1 n\u1ebfu x\u1ea3y ra ki\u1ec7n t\u1ee5ng khi kh\u00e1ch h\u00e0ng kh\u00f4ng tr\u1ea3 n\u1ee3, t\u00f2a \u00e1n c\u0169ng kh\u00f3 c\u0103n c\u1ee9 \u0111\u1ec3 x\u1eed l\u00fd theo m\u1ee9c l\u00e3i su\u1ea5t n\u00e0o \u0111\u1ec3 \u00e1p d\u1ee5ng x\u1eed.<\/em><\/p>\n

\u0110\u1ed3ng quan \u0111i\u1ec3m, Ts. Nguy\u1ec5n Tr\u00ed Hi\u1ebfu, chuy\u00ean gia h\u00e0ng \u0111\u1ea7u trong l\u0129nh v\u1ef1c t\u00e0i ch\u00ednh \u2013 ng\u00e2n h\u00e0ng, cho r\u1eb1ng n\u1ebfu \u00e1p tr\u1ea7n l\u00e3i su\u1ea5t 20%\/n\u0103m cho c\u00e1c TCTD l\u00e0 r\u1ea5t b\u00f3 bu\u1ed9c. B\u1edfi ho\u1ea1t \u0111\u1ed9ng cho vay ti\u00eau d\u00f9ng \u1edf c\u00e1c TCTD ch\u1ee7 y\u1ebfu l\u00e0 ng\u01b0\u1eddi thu nh\u1eadp th\u1ea5p, kh\u00f4ng c\u00f3 t\u00e0i s\u1ea3n th\u1ebf ch\u1ea5p, \u0111\u1ed9 r\u1ee7i ro cao n\u00ean l\u00e3i su\u1ea5t cho vay cao, hi\u1ec7n ph\u1ed5 bi\u1ebfn t\u1eeb 20-40%\/n\u0103m, nh\u01b0 v\u1eady m\u1edbi \u0111\u1ee7 b\u00f9 \u0111\u1eafp r\u1ee7i ro. Do v\u1eady, kh\u00f4ng th\u1ec3 \u00e1p d\u1ee5ng lu\u00f4n cho c\u1ea3 c\u00e1c TCTD, m\u00e0 ch\u1ec9 c\u00f3 th\u1ec3 \u00e1p ri\u00eang cho kho\u1ea3n vay d\u00e2n s\u1ef1 b\u00ean ngo\u00e0i.<\/p>\n

C\u1ea7n<\/strong>\u00a0<\/strong>s\u1ef1 th\u1ed1ng nh\u1ea5t<\/strong><\/p>\n

M\u1ed9t s\u1ed1 \u00fd ki\u1ebfn cho r\u1eb1ng do hi\u1ec7n nay c\u00e1c TCTD kh\u00f4ng b\u1ecb \u00e1p tr\u1ea7n l\u00e3i su\u1ea5t cho n\u00ean th\u1eddi gian qua, th\u1ecb tr\u01b0\u1eddng x\u1ea3y ra t\u00ecnh tr\u1ea1ng ng\u01b0\u1eddi ti\u00eau d\u00f9ng b\u1ecb vay v\u1edbi l\u00e3i su\u1ea5t cao. V\u00ec th\u1ebf, n\u1ebfu kh\u00f4ng \u00e1p tr\u1ea7n l\u00e3i su\u1ea5t th\u00ec l\u00e0m c\u00e1ch n\u00e0o \u0111\u1ec3 qu\u1ea3n \u0111\u01b0\u1ee3c vi\u1ec7c c\u00e1c t\u1ed5 ch\u1ee9c t\u00edn d\u1ee5ng \u0111\u1ea9y m\u1ee9c l\u00e3i su\u1ea5t cho vay l\u00ean cao.<\/p>\n

Tr\u01b0\u1edbc \u0111\u00f3, D\u1ef1 th\u1ea3o Th\u00f4ng t\u01b0 v\u1ec1 cho vay ti\u00eau d\u00f9ng, Ng\u00e2n h\u00e0ng Nh\u00e0 n\u01b0\u1edbc cho ph\u00e9p c\u00e1c c\u00f4ng ty t\u00e0i ch\u00ednh tho\u1ea3 thu\u1eadn l\u00e3i su\u1ea5t. Tuy nhi\u00ean, D\u1ef1 th\u1ea3o n\u00e0y v\u1eabn \u0111ang l\u1ea5y \u00fd ki\u1ebfn v\u00e0 ch\u01b0a bi\u1ebft khi n\u00e0o m\u1edbi \u0111\u01b0\u1ee3c ban h\u00e0nh.<\/p>\n

Theo c\u00e1c chuy\u00ean gia, d\u00f9 D\u1ef1 th\u1ea3o ch\u01b0a c\u00f3 hi\u1ec7u l\u1ef1c nh\u01b0ng tr\u00ean th\u1ef1c t\u1ebf, hi\u1ec7n nay, Ng\u00e2n h\u00e0ng Nh\u00e0 n\u01b0\u1edbc v\u1eabn lu\u00f4n \u201cqu\u1ea3n\u201d tr\u1ea7n l\u00e3i su\u1ea5t th\u00f4ng qua vi\u1ec7c quy \u0111\u1ecbnh tr\u1ea7n l\u00e3i su\u1ea5t huy \u0111\u1ed9ng ng\u1eafn h\u1ea1n, \u0111\u1ec3 \u0111\u1ea3m b\u1ea3o t\u00ednh hi\u1ec7u qu\u1ea3 c\u1ee7a c\u00e1c ch\u00ednh s\u00e1ch ti\u1ec1n t\u1ec7 kh\u00e1c nh\u01b0 qu\u1ea3n l\u00fd th\u1ecb tr\u01b0\u1eddng v\u00e0ng, th\u1ecb tr\u01b0\u1eddng ngo\u1ea1i h\u1ed1i\u2026 B\u00ean c\u1ea1nh \u0111\u00f3, c\u00e1c TCTD \u0111ang ho\u1ea1t \u0111\u1ed9ng trong n\u1ec1n kinh th\u1ecb tr\u01b0\u1eddng, ch\u1ecbu t\u00e1c \u0111\u1ed9ng c\u1ee7a y\u1ebfu t\u1ed1 c\u1ea1nh tranh, quy lu\u1eadt cung \u2013 c\u1ea7u. V\u00ec v\u1eady, vi\u1ec7c \u0111\u1ecbnh gi\u00e1 v\u1ed1n (l\u00e3i su\u1ea5t ch\u00ednh) \u1edf m\u1ee9c n\u00e0o l\u00e0 do th\u1ecb tr\u01b0\u1eddng ch\u1ee9 kh\u00f4ng ph\u1ea3i \u1edf b\u1ea5t k\u1ef3 TCTD n\u00e0o \u0111\u00f3.<\/p>\n

Trong khi th\u1ecb tr\u01b0\u1eddng \u0111ang c\u00f3 s\u1ef1 xung \u0111\u1ed9t quy \u0111\u1ecbnh tr\u1ea7n l\u00e3i su\u1ea5t th\u00ec v\u1eeba qua, t\u1ea1i h\u1ed9i th\u1ea3o v\u1ec1 m\u1ed9t s\u1ed1 quy \u0111\u1ecbnh l\u00e3i su\u1ea5t c\u1ee7a B\u1ed9 lu\u1eadt D\u00e2n s\u1ef1 2015 do B\u1ed9 T\u01b0 ph\u00e1p t\u1ed5 ch\u1ee9c, \u0111\u1ea1i di\u1ec7n ng\u00e2n h\u00e0ng Techcombank cho bi\u1ebft, g\u1ea7n \u0111\u00e2y m\u1ed9t s\u1ed1 NHTM nh\u1eadn \u0111\u01b0\u1ee3c c\u00f4ng v\u0103n ph\u00fac \u0111\u00e1p c\u1ee7a NHNN x\u00e1c nh\u1eadn c\u00f3 th\u1ec3 \u00e1p d\u1ee5ng l\u00e3i su\u1ea5t cho vay tr\u00ean 20%\/n\u0103m!?<\/p>\n

V\u00ec th\u1ebf, \u0111\u1ec3 t\u1ea1o c\u01a1 s\u1edf ph\u00e1p l\u00fd th\u1ed1ng nh\u1ea5t trong ho\u1ea1t \u0111\u1ed9ng cho vay, tr\u00e1nh t\u00ecnh tr\u1ea1ng ng\u01b0\u1eddi d\u00e2n, t\u1ed5 ch\u1ee9c cho vay m\u01a1 h\u1ed3, kh\u00f4ng r\u00f5 ph\u1ea3i \u00e1p d\u1ee5ng lu\u1eadt n\u00e0o cho \u0111\u00fang, gi\u1edbi lu\u1eadt s\u01b0 cho r\u1eb1ng c\u00e1c c\u01a1 quan ch\u1ee9c n\u0103ng c\u1ea7n \u0111\u01b0a ra m\u1ed9t c\u00e1ch gi\u1ea3i th\u00edch duy nh\u1ea5t.<\/p>\n

\u0110\u1ec1 xu\u1ea5t c\u00e1c gi\u1ea3i ph\u00e1p x\u1eed l\u00fd c\u00e1c v\u01b0\u1edbng m\u1eafc trong quy \u0111\u1ecbnh v\u1ec1 l\u00e3i su\u1ea5t, m\u1ed9t s\u1ed1 lu\u1eadt s\u01b0 cho r\u1eb1ng, tr\u01b0\u1edbc m\u1eaft c\u00e1c c\u01a1 quan ch\u1ee9c n\u0103ng nh\u01b0 \u1ee7y ban Th\u01b0\u1eddng V\u1ee5 Qu\u1ed1c h\u1ed9i, T\u00f2a \u00e1n Nh\u00e2n d\u00e2n t\u1ed1i cao, Ng\u00e2n h\u00e0ng Nh\u00e0 n\u01b0\u1edbc\u2026 c\u1ea7n c\u00f3 c\u00e1c v\u0103n b\u1ea3n gi\u1ea3i th\u00edch lu\u1eadt, c\u0169ng nh\u01b0 ban h\u00e0nh c\u00e1c th\u00f4ng t\u01b0 h\u01b0\u1edbng d\u1eabn \u0111\u1ec3 TCTD v\u00e0 doanh nghi\u1ec7p c\u00f3 c\u0103n c\u1ee9 th\u1ef1c hi\u1ec7n theo. V\u1ec1 l\u00e2u d\u00e0i, c\u1ea7n h\u01b0\u1edbng t\u1edbi t\u1ef1 do ho\u00e1 l\u00e3i su\u1ea5t.<\/p>\n

Huy\u1ec1n Anh<\/p>\n

—————<\/p>\n

Th\u1eddi b\u00e1o Kinh doanh (Ng\u00e2n h\u00e0ng) 27-12-2016:<\/em><\/strong><\/p>\n

http:\/\/thoibaokinhdoanh.vn\/Ngan-hang-5\/Ap-tran-lai-suat-Ngan-hang-lung-tung-truoc–gio-G-28798.html<\/a><\/em><\/p>\n

(135\/1.119)<\/em>","protected":false},"excerpt":{"rendered":"

(TBKD) – T\u1eeb tu\u1ea7n t\u1edbi, quy \u0111\u1ecbnh v\u1ec1 tr\u1ea7n l\u00e3i su\u1ea5t cho vay trong B\u1ed9 lu\u1eadt D\u00e2n s\u1ef1 2015 s\u1ebd ch\u00ednh th\u1ee9c c\u00f3 hi\u1ec7u l\u1ef1c. 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