{"id":19386,"date":"2015-11-27T14:09:51","date_gmt":"2015-11-27T07:09:51","guid":{"rendered":"https:\/\/anvilaw.com\/vi\/?p=19386"},"modified":"2022-04-26T14:15:49","modified_gmt":"2022-04-26T07:15:49","slug":"907-chot-cung-tran-lai-suat-rang-hay-thi-that-la-hay","status":"publish","type":"post","link":"https:\/\/anvilaw.com\/vi\/907-chot-cung-tran-lai-suat-rang-hay-thi-that-la-hay\/","title":{"rendered":"907. \u201cCh\u1ed1t c\u1ee9ng\u201d tr\u1ea7n l\u00e3i su\u1ea5t: R\u1eb1ng hay th\u00ec th\u1eadt l\u00e0 hay\u2026"},"content":{"rendered":"(ANTT) – \u201cKh\u00f4ng c\u00f3 m\u1ed9t c\u01a1 s\u1edf khoa h\u1ecdc n\u00e0o \u0111\u1ec3 n\u00f3i tr\u1ea7n l\u00e3i su\u1ea5t \u1edf m\u1ee9c 20%\/n\u0103m l\u00e0 h\u1ee3p l\u00fd. T\u1ea1i v\u00ec l\u00e3i su\u1ea5t l\u00e0 gi\u00e1 cho ti\u1ec1n vay nh\u01b0ng \u0111\u1ed3ng th\u1eddi n\u00f3 c\u0169ng l\u00e0 c\u00e1i gi\u00e1 cho r\u1ee7i ro c\u1ee7a ng\u01b0\u1eddi cho vay\u201d.<\/strong><\/p>\n

\u00a0<\/strong><\/p>\n

\"\"<\/em><\/p>\n

\u00a0<\/em><\/p>\n

T\u1eeb 1\/1\/2016, tr\u1ea7n l\u00e3i su\u1ea5t s\u1ebd \u0111\u01b0\u1ee3c “ch\u1ed1t c\u1ee9ng” \u1edf 20%\/n\u0103m<\/em><\/p>\n

S\u00e1ng 24\/11, Qu\u1ed1c h\u1ed9i ch\u00ednh th\u1ee9c th\u00f4ng qua B\u1ed9 lu\u1eadt D\u00e2n s\u1ef1 (s\u1eeda \u0111\u1ed5i), v\u1edbi nhi\u1ec1u quy \u0111\u1ecbnh \u0111\u01b0\u1ee3c \u0111i\u1ec1u ch\u1ec9nh m\u1edbi. \u0110\u00e1ng ch\u00fa \u00fd trong \u0111\u00f3 l\u00e0 c\u00e1c \u0111i\u1ec1u kho\u1ea3n li\u00ean quan \u0111\u1ebfn v\u1ea5n \u0111\u1ec1 \u201cl\u00e3i su\u1ea5t\u201d.<\/p>\n

Theo \u0111\u00f3, kho\u1ea3n 1 \u0111i\u1ec1u 468 \u0111\u01b0\u1ee3c ch\u1ec9nh l\u00fd: \u201cTr\u01b0\u1eddng h\u1ee3p c\u00e1c b\u00ean c\u00f3 th\u1ecfa thu\u1eadn v\u1ec1 l\u00e3i su\u1ea5t th\u00ecl\u00e3i su\u1ea5t theo th\u1ecfa thu\u1eadn kh\u00f4ng \u0111\u01b0\u1ee3c v\u01b0\u1ee3t qu\u00e1 20%\/n\u0103m<\/strong>\u00a0c\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. C\u0103n c\u1ee9 t\u00ecnh h\u00ecnh th\u1ef1c t\u1ebf v\u00e0 theo \u0111\u1ec1 xu\u1ea5t c\u1ee7a Ch\u00ednh ph\u1ee7, \u1ee6y ban Th\u01b0\u1eddng v\u1ee5 Qu\u1ed1c h\u1ed9i quy\u1ebft \u0111\u1ecbnh \u0111i\u1ec1u ch\u1ec9nh m\u1ee9c l\u00e3i su\u1ea5t n\u00f3i tr\u00ean v\u00e0 b\u00e1o c\u00e1o Qu\u1ed1c h\u1ed9i t\u1ea1i k\u1ef3 h\u1ecdp g\u1ea7n nh\u1ea5t\u201d.<\/p>\n

Tr\u01b0\u1edbc \u0111\u00f3, theo lu\u1eadt c\u0169 (hi\u1ec7n v\u1eabn c\u00f2n hi\u1ec7u l\u1ef1c): L\u00e3i su\u1ea5t vay do c\u00e1c b\u00ean th\u1ecfa thu\u1eadn nh\u01b0ng kh\u00f4ng \u0111\u01b0\u1ee3c v\u01b0\u1ee3t qu\u00e1 150% c\u1ee7a l\u00e3i su\u1ea5t c\u01a1 b\u1ea3n do\u00a0Ng\u00e2n h\u00e0ng<\/a>\u00a0Nh\u00e0 n\u01b0\u1edbc c\u00f4ng b\u1ed1 \u0111\u1ed1i v\u1edbi lo\u1ea1i\u00a0cho vay<\/a>\u00a0t\u01b0\u01a1ng \u1ee9ng.<\/p>\n

\u0110\u1ed3ng th\u1eddi, v\u00ec quy \u0111\u1ecbnh t\u1ea1i kho\u1ea3n 1 \u0111i\u1ec1u 468 \u0111\u00e3 kh\u00f4ng s\u1eed d\u1ee5ng l\u00e3i su\u1ea5t c\u01a1 b\u1ea3n l\u00e0m l\u00e3i su\u1ea5t tham chi\u1ebfu, n\u00ean \u1ee6y ban Th\u01b0\u1eddng v\u1ee5 Qu\u1ed1c h\u1ed9i \u0111\u1ec1 ngh\u1ecb Qu\u1ed1c h\u1ed9i cho ch\u1ec9nh l\u00fd l\u1ea1i quy \u0111\u1ecbnh t\u1ea1i kho\u1ea3n 2 \u0111i\u1ec1u n\u00e0y v\u1ec1 m\u1ee9c l\u00e3i su\u1ea5t \u1ea5n \u0111\u1ecbnh trong h\u1ee3p \u0111\u1ed3ng vay c\u00f3 l\u00e3i nh\u01b0ng c\u00e1c b\u00ean kh\u00f4ng c\u00f3 th\u1ecfa thu\u1eadn r\u00f5 v\u1ec1 l\u00e3i su\u1ea5t d\u1eabn \u0111\u1ebfn tranh ch\u1ea5p.<\/p>\n

C\u1ee5 th\u1ec3: \u201cTr\u01b0\u1eddng h\u1ee3p c\u00e1c b\u00ean c\u00f3 tho\u1ea3 thu\u1eadn v\u1ec1 vi\u1ec7c tr\u1ea3 l\u00e3i, nh\u01b0ng kh\u00f4ng x\u00e1c \u0111\u1ecbnh r\u00f5 l\u00e3i su\u1ea5t v\u00e0 c\u00f3 tranh ch\u1ea5p v\u1ec1 l\u00e3i su\u1ea5t th\u00ec l\u00e3i su\u1ea5t \u0111\u01b0\u1ee3c x\u00e1c \u0111\u1ecbnh b\u1eb1ng 50% m\u1ee9c l\u00e3i su\u1ea5t gi\u1edbi h\u1ea1n quy \u0111\u1ecbnh t\u1ea1i kho\u1ea3n 1 \u0111i\u1ec1u n\u00e0y t\u1ea1i th\u1eddi \u0111i\u1ec3m tr\u1ea3 n\u1ee3\u201d.<\/p>\n

T\u00f3m l\u1ea1i, v\u1edbi nh\u1eefng \u0111\u1ed5i m\u1edbi \u0111\u00f3, B\u1ed9 lu\u1eadt s\u1eeda \u0111\u1ed5i \u0111\u00e3 \u0111em l\u1ea1i hai \u201c\u0111\u1ed9t ph\u00e1\u201d: lo\u1ea1i b\u1ecf r\u00e0ng bu\u1ed9c c\u1ee7a y\u1ebfu t\u1ed1 tham chi\u1ebfu – \u201cl\u00e3i su\u1ea5t c\u01a1 b\u1ea3n\u201d (1); v\u00e0 \u201cch\u1ed1t c\u1ee9ng\u201d tr\u1ea7n l\u00e3i su\u1ea5t \u1edf m\u1ee9c 20%\/n\u0103m.<\/p>\n

Hay v\u00e0 d\u1edf\u2026<\/strong><\/p>\n

\u0110\u00e1nh gi\u00e1 v\u1ec1 quy\u1ebft \u0111\u1ecbnh b\u1ecf y\u1ebfu t\u1ed1 tham chi\u1ebfu \u201cl\u00e3i su\u1ea5t c\u01a1 b\u1ea3n\u201d, c\u1ea3 gi\u1edbi lu\u1eadt l\u1eabn gi\u1edbi ng\u00e2n h\u00e0ng \u0111\u1ec1 t\u1ecf \u00fd hoan ngh\u00eanh.<\/p>\n

\u201c\u0110\u1ebfn l\u00fac n\u00e0y, k\u1ef3 th\u1ef1c ch\u1eb3ng ai c\u00f2n s\u1eed d\u1ee5ng n\u00f3 n\u1eefa m\u00e0 c\u1ee9 \u0111\u1ec3 tr\u00ean gi\u1ea5y tr\u1eafng m\u1ef1c \u0111en. B\u1ecf \u0111i l\u00e0 m\u1ed9t quy\u1ebft \u0111\u1ecbnh h\u1ee3p l\u00fd\u201d, chuy\u00ean gia kinh t\u1ebf Nguy\u1ec5n Tr\u00ed Hi\u1ebfu, ng\u01b0\u1eddi c\u00f3 g\u1ea7n 30 n\u0103m ho\u1ea1t \u0111\u1ed9ng trong l\u0129nh v\u1ef1c t\u00e0i ch\u00ednh ng\u00e2n h\u00e0ng c\u1ea3 trong v\u00e0 ngo\u00e0i n\u01b0\u1edbc, b\u00e0y t\u1ecf.<\/p>\n

Lu\u1eadt s\u01b0 Tr\u01b0\u01a1ng Thanh \u0110\u1ee9c, Gi\u00e1m \u0111\u1ed1c C\u00f4ng ty Lu\u1eadt ANVI<\/em><\/p>\n

Lu\u1eadt s\u01b0 Tr\u01b0\u01a1ng Thanh \u0110\u1ee9c, Gi\u00e1m \u0111\u1ed1c C\u00f4ng ty Lu\u1eadt ANVI , Ch\u1ee7 nhi\u1ec7m CLB Ph\u00e1p ch\u1ebf ng\u00e2n h\u00e0ng (Hi\u1ec7p h\u1ed9i Ng\u00e2n h\u00e0ng), ng\u01b0\u1eddi th\u1eadm ch\u00ed \u0111\u00e3 k\u00eau g\u1ecdi \u201cb\u1ecf\u201d t\u1eeb l\u1ea7n s\u1eeda \u0111\u1ed5i 2005, c\u0169ng h\u1ed3 h\u1edfi \u0111\u1ed3ng t\u00ecnh: \u201cPh\u1ea3i n\u00f3i r\u1eb1ng \u0111\u00f3 l\u00e0 m\u1ed9t quy\u1ebft \u0111\u1ecbnh tuy\u1ec7t v\u1eddi. R\u1ea5t hay, r\u1ea5t \u0111\u00fang \u0111\u1eafn v\u00e0 h\u1ee3p l\u00fd!\u201d.<\/em><\/p>\n

\u201cK\u1ec3 c\u1ea3 vi\u1ec7c cho ph\u00e9p \u1ee6y ban Th\u01b0\u1eddng v\u1ee5 Qu\u1ed1c h\u1ed9i c\u0103n c\u1ee9 t\u00ecnh h\u00ecnh th\u1ef1c t\u1ebf v\u00e0 theo \u0111\u1ec1 xu\u1ea5t c\u1ee7a Ch\u00ednh ph\u1ee7 \u0111i\u1ec1u ch\u1ec9nh khi bi\u1ebfn \u0111\u1ed9ng c\u0169ng l\u00e0 m\u1ed9t b\u1ed5 sung r\u1ea5t ph\u00f9 h\u1ee3p v\u00e0 thi\u1ebft th\u1ef1c\u201d, \u00f4ng \u0110\u1ee9c nh\u1eadn x\u00e9t.<\/em><\/p>\n

Tuy nhi\u00ean, v\u1ec1 quy \u0111\u1ecbnh \u201cch\u1ed1t c\u1ee9ng\u201d tr\u1ea7n l\u00e3i su\u1ea5t \u1edf con s\u1ed1 20%\/n\u0103m, trao \u0111\u1ed5i v\u1edbi ANTT.VN, v\u1ecb lu\u1eadt s\u01b0 d\u00e0y d\u1eb7n kinh nghi\u1ec7m trong l\u0129nh v\u1ef1c ph\u00e1p ch\u1ebf ng\u00e2n h\u00e0ng n\u00e0y l\u1ea1i kh\u00f4ng gi\u1ea5u n\u1ed5i v\u1ebb th\u1ea5t v\u1ecdng. \u201c\u1ea4n \u0111\u1ecbnh tr\u1ea7n \u1edf 20%\/n\u0103m l\u00e0 c\u1ef1c k\u1ef3 d\u1edf, c\u1ef1c k\u1ef3 b\u1ea5t h\u1ee3p l\u00fd v\u00e0 phi\u00a0<\/em>th\u1ecb tr\u01b0\u1eddng<\/em><\/a>\u201d, \u00f4ng n\u00f3i.<\/em><\/p>\n

T\u01b0\u01a1ng t\u1ef1 LS. \u0110\u1ee9c, TS. Nguy\u1ec5n Tr\u00ed Hi\u1ebfu c\u0169ng kh\u00f4ng t\u00e1n th\u00e0nh quan \u0111i\u1ec3m tr\u1ea7n l\u00e3i su\u1ea5t c\u1ee7a c\u00e1c nh\u00e0 l\u1eadp ph\u00e1p. \u201cN\u00f3 kh\u00f4ng h\u1ee3p l\u00fd v\u00ec \u0111\u00e3 \u0111i ng\u01b0\u1ee3c l\u1ea1i nguy\u00ean t\u1eafc th\u1ecb tr\u01b0\u1eddng. L\u00e3i su\u1ea5t l\u00e0 gi\u00e1 c\u1ee7a ti\u1ec1n vay m\u00e0 trong m\u1ed9t n\u1ec1n kinh t\u1ebf th\u1ecb tr\u01b0\u1eddng th\u00ec \u0111i\u1ec1u \u0111\u00f3 ph\u1ea3i \u0111\u01b0\u1ee3c th\u01b0\u01a1ng l\u01b0\u1ee3ng, \u0111\u00e0m ph\u00e1n, th\u1ecfa thu\u1eadn tr\u00ean tinh th\u1ea7n t\u1ef1 nguy\u1ec7n gi\u1eefa ng\u01b0\u1eddi \u0111i vay v\u00e0 ng\u01b0\u1eddi cho vay\u201d.<\/p>\n

Thi\u1ebfu c\u01a1 s\u1edf khoa h\u1ecdc<\/strong><\/p>\n

\u00d4ng Hi\u1ebfu \u0111\u1eb7t c\u00e2u h\u1ecfi: Vi\u1ec7c \u1ea5n \u0111\u1ecbnh tr\u1ea7n l\u00e3i su\u1ea5t \u0111\u00e3 \u0111\u01b0\u1ee3c x\u00e1c \u0111\u1ecbnh tr\u00ean c\u01a1 s\u1edf n\u00e0o? T\u1ea1i sao l\u00e0 20% m\u00e0 kh\u00f4ng ph\u1ea3i l\u00e0 10%, 15%, 25%, 30%,…(?!).<\/p>\n

\u201cKh\u00f4ng c\u00f3 m\u1ed9t c\u01a1 s\u1edf khoa h\u1ecdc n\u00e0o \u0111\u1ec3 n\u00f3i tr\u1ea7n l\u00e3i su\u1ea5t \u1edf m\u1ee9c 20%\/n\u0103m l\u00e0 h\u1ee3p l\u00fd. T\u1ea1i v\u00ec l\u00e3i su\u1ea5t l\u00e0 gi\u00e1 cho ti\u1ec1n vay nh\u01b0ng \u0111\u1ed3ng th\u1eddi n\u00f3 c\u0169ng l\u00e0 c\u00e1i gi\u00e1 cho r\u1ee7i ro c\u1ee7a ng\u01b0\u1eddi cho vay. Cho vay r\u1ee7i ro cao th\u00ec l\u00e3i su\u1ea5t cao, r\u1ee7i ro th\u1ea5p th\u00ec l\u00e3i su\u1ea5t th\u1ea5p\u201d, v\u1ecb chuy\u00ean gia nhi\u1ec1u n\u0103m \u201cl\u0103n l\u1ed9n\u201d t\u1ea1i Ph\u1ed1 Wall v\u00e0 c\u00e1c trung t\u00e2m t\u00e0i ch\u00ednh h\u00e0ng \u0111\u1ea7u th\u1ebf gi\u1edbi t\u1ef1 tr\u1ea3 l\u1eddi cho c\u00e2u h\u1ecfi c\u1ee7a m\u00ecnh. \u00d4ng vi\u1ec7n d\u1eabn r\u1eb1ng tr\u00ean th\u1ebf gi\u1edbi, ngay c\u1ea3 nh\u1eefng n\u01b0\u1edbc ti\u00ean ti\u1ebfn, l\u00e3i su\u1ea5t cho\u00a0vay ti\u00eau d\u00f9ng<\/a>\u00a0nhi\u1ec1u khi l\u00ean \u0111\u1ebfn 30%, th\u1eadm ch\u00ed h\u01a1n nh\u01b0ng c\u0169ng v\u1eabn l\u00e0 h\u1ee3p l\u00fd, v\u00e0 c\u00f4ng lu\u1eadn c\u1ee7a ng\u01b0\u1eddi ta c\u0169ng ho\u00e0n to\u00e0n ch\u1ea5p nh\u1eadn.<\/p>\n

Chuy\u00ean gia kinh t\u1ebf, TS. Nguy\u1ec5n Tr\u00ed Hi\u1ebfu<\/em><\/p>\n

    \n
  1. Hi\u1ebfu ch\u1ee9ng minh lu\u1eadn \u0111i\u1ec3m c\u1ee7a m\u00ecnh b\u1eb1ng m\u1ed9t b\u00e0i to\u00e1n kinh t\u1ebf \u0111\u01a1n gi\u1ea3n li\u00ean quan \u0111\u1ebfn t\u1ef7 l\u1ec7 l\u00e3i c\u1eadn bi\u00ean \u2013 NIM (ph\u1ea3n \u00e1nh bi\u00ean \u0111\u1ed9 l\u1ee3i nhu\u1eadn gi\u1eefa ch\u00eanh l\u1ec7ch l\u00e3i su\u1ea5t \u0111\u1ea7u v\u00e0o \u2013 \u0111\u1ea7u ra): NIM trung b\u00ecnh t\u1ea1i c\u00e1c nh\u00e0 b\u0103ng hi\u1ec7n \u0111ang \u1edf kho\u1ea3ng 3%, c\u00f3 ngh\u0129a r\u1eb1ng ph\u1ea3i c\u1ea7n t\u1edbi l\u1ee3i nhu\u1eadn c\u1ee7a 33 (100:3)\u00a0kho\u1ea3n vay\u00a0m\u1edbi \u0111\u1ee7 b\u00f9 \u0111\u1eafp \u0111\u01b0\u1ee3c 01 kho\u1ea3n vay b\u1ecb m\u1ea5t v\u1ed1n. Nh\u01b0ng v\u1edbi nh\u1eefng kho\u1ea3n cho vay c\u00f3 r\u1ee7i ro cao th\u00ec ng\u00e2n h\u00e0ng ph\u1ea3i c\u1ea7n NIM cao h\u01a1n, 10% ch\u1eb3ng h\u1ea1n, khi \u0111\u00f3 ng\u00e2n h\u00e0ng ch\u1ec9 c\u1ea7n 10 kho\u1ea3n cho vay nh\u01b0 th\u1ebf l\u00e0 \u0111\u1ee7 \u0111\u1ec3 b\u00f9 \u0111\u1eafp cho 1 kho\u1ea3n vay m\u1ea5t v\u1ed1n r\u1ed3i. L\u00e3i su\u1ea5t ph\u1ea3i c\u0103n c\u1ee9 v\u00e0o m\u1ee9c \u0111\u1ed9 r\u1ee7i ro m\u00e0 b\u00ean cho vay ph\u1ea3i g\u00e1nh ch\u1ecbu, r\u1ee7i ro m\u1ea5t v\u1ed1n l\u1edbn th\u00ec l\u00e3i su\u1ea5t cho vay c\u00f3 l\u00ean \u0111\u1ebfn 50%\/n\u0103m, 70%\/n\u0103m\u2026 v\u1eabn l\u00e0 h\u1ee3p l\u00fd.<\/li>\n<\/ol>\n

    \u201cN\u1ebfu \u0111\u00e3 l\u00e0 kinh t\u1ebf th\u1ecb tr\u01b0\u1eddng th\u00ec kh\u00f4ng n\u00ean quy \u0111\u1ecbnh tr\u1ea7n l\u00e3i su\u1ea5t. H\u00e3y \u0111\u1ec3 c\u00e1c th\u00e0nh ph\u1ea7n kinh t\u1ebf t\u1ef1 th\u1ecfa thu\u1eadn v\u1edbi nhau tr\u00ean c\u01a1 s\u1edf t\u1ef1 nguy\u1ec7n, ph\u00f9 h\u1ee3p v\u00e0 tu\u00e2n th\u1ee7\u00a0ph\u00e1p lu\u1eadt<\/a>\u201d, \u00f4ng Hi\u1ebfu khuy\u1ebfn ngh\u1ecb.<\/p>\n

    C\u00e1i \u201c\u0111u\u00f4i\u201d \u0111\u1ec3 d\u00e0nh\u2026<\/em><\/strong><\/p>\n

    C\u00f2n v\u1edbi lu\u1eadt s\u01b0 Tr\u01b0\u01a1ng Thanh \u0110\u1ee9c, kh\u00f4ng ch\u1ec9 l\u00e0 gi\u1edbi h\u1ea1n 20%\/n\u0103m, 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 c\u0169ng khi\u1ebfn \u00f4ng b\u1ea5t ph\u1ee5c v\u1edbi \u201cc\u00e1i \u0111u\u00f4i\u201d\u00a0tr\u1eeb tr\u01b0\u1eddng h\u1ee3p lu\u1eadt kh\u00e1c c\u00f3 li\u00ean quan c\u00f3 quy \u0111\u1ecbnh kh\u00e1c.<\/em><\/p>\n

    \u201cC\u00e1i \u201c\u0111u\u00f4i\u201d \u0111\u00f3 l\u00e0 \u0111\u1ec3 d\u00e0nh cho ng\u00e2n h\u00e0ng \u0111\u1ea5y. T\u1ee9c l\u00e0 theo Lu\u1eadt c\u00e1c TCTD th\u00ec l\u00e3i su\u1ea5t do c\u00e1c b\u00ean t\u1ef1 th\u1ecfa thu\u1eadn theo quy \u0111\u1ecbnh c\u1ee7a ph\u00e1p lu\u1eadt. V\u00e0 tr\u00ean th\u1ef1c t\u1ebf th\u00ec bao l\u00e2u nay, c\u00e1c ng\u00e2n h\u00e0ng v\u00e0 c\u00f4ng ty t\u00e0i ch\u00ednh v\u1eabn cho vay ti\u00eau d\u00f9ng v\u1edbi l\u00e3i su\u1ea5t l\u00ean \u0111\u1ebfn 50% hay 70%\/n\u0103m m\u00e0 ch\u1eb3ng ai x\u1eed l\u00fd. Tr\u1ea7n l\u00e3i su\u1ea5t m\u1eb7c nhi\u00ean \u201cb\u1ea5t ho\u1ea1t\u201d v\u1edbi c\u00e1c TCTD\u201d, \u00f4ng \u0110\u1ee9c nh\u00ecn nh\u1eadn v\u00e0 cho r\u1eb1ng \u0111\u00f3 l\u00e0 m\u1ed9t \u0111i\u1ec3m thi\u1ebfu th\u1ed1ng nh\u1ea5t v\u00e0 b\u1ea5t c\u00f4ng b\u1eb1ng c\u1ee7a lu\u1eadt.<\/em><\/p>\n

    \u201cC\u00f3 m\u1ed9t chuy\u1ec7n m\u00e0 tr\u01b0\u1edbc \u0111\u00f3 t\u00f4i \u0111\u00e3 \u00fd ki\u1ebfn r\u1ea5t nhi\u1ec1u, \u0111\u00f3 l\u00e0 ph\u1ea3i b\u1ecf tr\u1ea7n l\u00e3i su\u1ea5t. V\u00e0 n\u1ebfu kh\u00f4ng b\u1ecf \u0111\u01b0\u1ee3c th\u00ec ph\u1ea3i quy m\u1ed9t m\u1ee9c tr\u1ea7n l\u00e3i su\u1ea5t chung cho t\u1ea5t c\u1ea3, k\u1ec3 c\u1ea3 ng\u00e2n h\u00e0ng c\u0169ng \u00e1p d\u1ee5ng theo n\u00f3. Kh\u00f4ng l\u00fd g\u00ec m\u00e0 ng\u00e2n h\u00e0ng v\u00e0 c\u00f4ng ty t\u00e0i ch\u00ednh \u2013 c\u00e1c t\u1ed5 ch\u1ee9c cho vay chuy\u00ean nghi\u1ec7p \u2013 l\u1ea1i c\u00f3 th\u1ec3 th\u1ecfa thu\u1eadn l\u00e3i su\u1ea5t tho\u1ea3i m\u00e1i, trong khi b\u00ean ngo\u00e0i, r\u1ee7i ro cao h\u01a1n nhi\u1ec1u, nguy c\u01a1 m\u1ea5t v\u1ed1n l\u1edbn h\u01a1n nhi\u1ec1u l\u1ea1i b\u1ecb kh\u1ed1ng ch\u1ebf \u1edf 20%\/n\u0103m\u201d, lu\u1eadt s\u01b0 Tr\u01b0\u01a1ng Thanh \u0110\u1ee9c ph\u00e2n t\u00edch.<\/em><\/p>\n

    Ninh Giang<\/strong><\/p>\n

    ————————————————————————–<\/p>\n

    A n ninh Ti\u1ec1n t\u1ec7 (T\u00e0i ch\u00ednh \u2013 Ng\u00e2n h\u00e0ng) 27-11-2015:<\/em><\/strong><\/p>\n

    http:\/\/antt.vn\/chot-cung-tran-lai-suat-rang-hay-thi-that-la-hay-0114580.html<\/em><\/p>\n

    (433\/1.387)","protected":false},"excerpt":{"rendered":"

    (ANTT) – \u201cKh\u00f4ng c\u00f3 m\u1ed9t c\u01a1 s\u1edf khoa h\u1ecdc n\u00e0o \u0111\u1ec3 n\u00f3i tr\u1ea7n l\u00e3i su\u1ea5t \u1edf m\u1ee9c 20%\/n\u0103m l\u00e0 h\u1ee3p l\u00fd. T\u1ea1i v\u00ec l\u00e3i su\u1ea5t l\u00e0 gi\u00e1 cho ti\u1ec1n vay nh\u01b0ng \u0111\u1ed3ng th\u1eddi n\u00f3 c\u0169ng l\u00e0 c\u00e1i gi\u00e1 cho r\u1ee7i ro c\u1ee7a ng\u01b0\u1eddi cho vay\u201d. \u00a0 \u00a0 T\u1eeb 1\/1\/2016, tr\u1ea7n l\u00e3i su\u1ea5t s\u1ebd \u0111\u01b0\u1ee3c “ch\u1ed1t […]<\/p>\n","protected":false},"author":1,"featured_media":19387,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":""},"categories":[27,26],"tags":[],"class_list":["post-19386","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-interviews","category-legal-media"],"acf":[],"yoast_head":"\n907. \u201cCh\u1ed1t c\u1ee9ng\u201d tr\u1ea7n l\u00e3i su\u1ea5t: R\u1eb1ng hay th\u00ec th\u1eadt l\u00e0 hay\u2026 - ANVI Law Firm<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/anvilaw.com\/en\/tieng-viet-907-chot-cung-tran-lai-suat-rang-hay-thi-that-la-hay\/\" \/>\n<meta property=\"og:locale\" content=\"vi_VN\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"[:vi]907. \u201cCh\u1ed1t c\u1ee9ng\u201d tr\u1ea7n l\u00e3i su\u1ea5t: R\u1eb1ng hay th\u00ec th\u1eadt l\u00e0 hay\u2026[:] - ANVI Law Firm\" \/>\n<meta property=\"og:description\" content=\"(ANTT) – \u201cKh\u00f4ng c\u00f3 m\u1ed9t c\u01a1 s\u1edf khoa h\u1ecdc n\u00e0o \u0111\u1ec3 n\u00f3i tr\u1ea7n l\u00e3i su\u1ea5t \u1edf m\u1ee9c 20%\/n\u0103m l\u00e0 h\u1ee3p l\u00fd. 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