{"id":19756,"date":"2017-07-28T09:26:17","date_gmt":"2017-07-28T02:26:17","guid":{"rendered":"https:\/\/anvilaw.com\/vi\/?p=19756"},"modified":"2022-04-28T09:28:43","modified_gmt":"2022-04-28T02:28:43","slug":"1-581-no-xau-truoc-thoi-cuoc-moi","status":"publish","type":"post","link":"https:\/\/anvilaw.com\/vi\/1-581-no-xau-truoc-thoi-cuoc-moi\/","title":{"rendered":"1.581. N\u1ee3 x\u1ea5u tr\u01b0\u1edbc \u201cth\u1eddi cu\u1ed9c\u201d m\u1edbi"},"content":{"rendered":"(HQ)- V\u1edbi nh\u1eefng c\u01a1 ch\u1ebf m\u1edbi v\u1ec1 ho\u1ea1t \u0111\u1ed9ng cho vay v\u1eeba \u0111\u01b0\u1ee3c Ng\u00e2n h\u00e0ng Nh\u00e0 n\u01b0\u1edbc (NHNN) ban h\u00e0nh c\u00f9ng vi\u1ec7c d\u1ef1 th\u1ea3o v\u1ec1 m\u1ed9t s\u1ed1 gi\u1ea3i ph\u00e1p c\u1ee5 th\u1ec3 trong x\u1eed l\u00fd n\u1ee3 x\u1ea5u, x\u1eed l\u00fd ng\u00e2n h\u00e0ng y\u1ebfu k\u00e9m, \u201cn\u00fat th\u1eaft\u201d n\u1ee3 x\u1ea5u \u0111\u01b0\u1ee3c k\u1ef3 v\u1ecdng s\u1ebd c\u00f3 nhi\u1ec1u b\u01b0\u1edbc ti\u1ebfn m\u1edbi trong th\u1eddi gian s\u1eafp t\u1edbi.<\/strong><\/p>\n

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NHNN \u0111\u00e3 v\u00e0 \u0111ang \u0111\u01b0a ra nhi\u1ec1u quy \u0111\u1ecbnh nh\u1eb1m ki\u1ec3m so\u00e1t hi\u1ec7u qu\u1ea3 n\u1ee3 x\u1ea5u. \u1ea2nh: ST.<\/p>\n

Nh\u1eefng quy \u0111\u1ecbnh m\u1edbi<\/strong><\/p>\n

Th\u1eddi gian qua, NHNN v\u00e0 c\u00e1c c\u1ea5p c\u00f3 th\u1ea9m quy\u1ec1n \u0111\u00e3 ban h\u00e0nh nhi\u1ec1u quy \u0111\u1ecbnh ph\u00e1p l\u00fd trong vi\u1ec7c x\u1eed l\u00fd n\u1ee3 x\u1ea5u c\u1ee7a c\u00e1c t\u1ed5 ch\u1ee9c t\u00edn d\u1ee5ng (TCTD). C\u1ee5 th\u1ec3: Lu\u1eadt NHNN Vi\u1ec7t Nam, Lu\u1eadt c\u00e1c TCTD 2010, \u0110\u1ec1 \u00e1n \u201cX\u1eed l\u00fd n\u1ee3 x\u1ea5u c\u1ee7a h\u1ec7 th\u1ed1ng c\u00e1c t\u1ed5 ch\u1ee9c t\u00edn d\u1ee5ng\u201d v\u00e0 \u0110\u1ec1 \u00e1n \u201cTh\u00e0nh l\u1eadp C\u00f4ng ty Qu\u1ea3n l\u00fd t\u00e0i s\u1ea3n c\u1ee7a c\u00e1c TCTD Vi\u1ec7t Nam (VAMC)\u201d…<\/p>\n

Nh\u1edd nh\u1eefng bi\u1ec7n ph\u00e1p quy\u1ebft li\u1ec7t, theo NHNN, n\u1ee3 x\u1ea5u \u0111\u00e3 \u0111\u01b0\u1ee3c ki\u1ec1m ch\u1ebf, \u0111\u01b0a t\u1ef7 l\u1ec7 n\u1ee3 x\u1ea5u n\u1ed9i b\u1ea3ng \u0111\u1ebfn cu\u1ed1i n\u0103m 2016 v\u1ec1 m\u1ee9c 2,46% (gi\u1ea3m so v\u1edbi m\u1ee9c 2,55% v\u00e0o cu\u1ed1i n\u0103m 2015). Trong \u0111\u00f3, t\u00ednh \u0111\u1ebfn 31\/12\/2016, n\u1ee3 c\u00f2n ph\u1ea3i x\u1eed l\u00fd t\u1ea1i VAMC kho\u1ea3ng 190.000 t\u1ef7 \u0111\u1ed3ng; n\u1ee3 t\u1ed3n \u0111\u1ecdng t\u1ea1i kh\u00e2u thi h\u00e0nh \u00e1n t\u00ednh \u0111\u1ebfn 30\/9\/2016 l\u00e0 kho\u1ea3ng 58.998 t\u1ef7 \u0111\u1ed3ng.<\/p>\n

Theo \u0111\u00e1nh gi\u00e1 c\u1ee7a c\u00e1c chuy\u00ean gia, vi\u1ec7c x\u1eed l\u00fd n\u1ee3 x\u1ea5u b\u01b0\u1edbc \u0111\u1ea7u \u0111\u00e3 \u0111\u1ea1t \u0111\u01b0\u1ee3c k\u1ebft qu\u1ea3 kh\u1ea3 quan, nh\u01b0ng gi\u00e1 tr\u1ecb n\u1ee3 x\u1ea5u hi\u1ec7n t\u1ea1i v\u00e0 n\u1ee3 ti\u1ec1m \u1ea9n tr\u1edf th\u00e0nh n\u1ee3 x\u1ea5u v\u1eabn c\u00f2n l\u1edbn, \u1ea9n ch\u1ee9a r\u1ee7i ro \u0111\u1ed1i v\u1edbi an to\u00e0n, hi\u1ec7u qu\u1ea3 ho\u1ea1t \u0111\u1ed9ng c\u1ee7a c\u00e1c TCTD; c\u01a1 ch\u1ebf, ch\u00ednh s\u00e1ch h\u1ed7 tr\u1ee3 c\u1ee7a Nh\u00e0 n\u01b0\u1edbc v\u00e0 Ch\u00ednh ph\u1ee7 cho x\u1eed l\u00fd n\u1ee3 x\u1ea5u, ph\u00e1p lu\u1eadt v\u1ec1 x\u1eed l\u00fd n\u1ee3 x\u1ea5u, t\u00e0i s\u1ea3n b\u1ea3o \u0111\u1ea3m c\u00f2n nhi\u1ec1u b\u1ea5t c\u1eadp; thi\u1ebfu ngu\u1ed3n l\u1ef1c v\u00e0 c\u01a1 ch\u1ebf \u0111\u1eb7c th\u00f9 cho VAMC ho\u1ea1t \u0111\u1ed9ng. \u0110\u1ed3ng th\u1eddi, h\u1ec7 th\u1ed1ng c\u00e1c TCTD v\u1eabn c\u00f2n t\u1ed3n t\u1ea1i m\u1ed9t s\u1ed1 TCTD c\u00f3 t\u1ef7 l\u1ec7 n\u1ee3 x\u1ea5u cao, ch\u1ee7 y\u1ebfu t\u1eadp trung \u1edf c\u00e1c TCTD \u0111\u01b0\u1ee3c ki\u1ec3m so\u00e1t \u0111\u1eb7c bi\u1ec7t v\u00e0 m\u1ed9t s\u1ed1 c\u00f4ng ty t\u00e0i ch\u00ednh, c\u00f4ng ty cho thu\u00ea t\u00e0i ch\u00ednh y\u1ebfu k\u00e9m, do \u0111\u00f3 \u0111\u00f2i h\u1ecfi c\u1ea7n ph\u1ea3i ti\u1ebfp t\u1ee5c v\u00e0 s\u1edbm c\u00f3 gi\u1ea3i ph\u00e1p x\u1eed l\u00fd quy\u1ebft li\u1ec7t trong th\u1eddi gian t\u1edbi kh\u00f4ng \u0111\u1ec3 t\u00e1c \u0111\u1ed9ng x\u1ea5u \u0111\u1ebfn an to\u00e0n h\u1ec7 th\u1ed1ng v\u00e0 b\u1ea3o \u0111\u1ea3m t\u00ednh kh\u1ea3 thi c\u1ee7a vi\u1ec7c x\u1eed l\u00fd TCTD y\u1ebfu k\u00e9m.<\/p>\n

M\u1edbi \u0111\u00e2y, NHNN \u0111\u00e3 \u0111\u01b0a ra d\u1ef1 th\u1ea3o Ngh\u1ecb \u0111\u1ecbnh quy \u0111\u1ecbnh chi ti\u1ebft vi\u1ec7c th\u1ea9m \u0111\u1ecbnh gi\u00e1 kh\u1edfi \u0111i\u1ec3m kho\u1ea3n n\u1ee3 x\u1ea5u v\u00e0 t\u00e0i s\u1ea3n b\u1ea3o \u0111\u1ea3m c\u1ee7a kho\u1ea3n n\u1ee3 x\u1ea5u v\u00e0 vi\u1ec7c th\u00e0nh l\u1eadp H\u1ed9i \u0111\u1ed3ng \u0111\u1ea5u gi\u00e1 n\u1ee3 x\u1ea5u v\u00e0 t\u00e0i s\u1ea3n b\u1ea3o \u0111\u1ea3m c\u1ee7a kho\u1ea3n n\u1ee3 x\u1ea5u \u0111\u1ed1i v\u1edbi kho\u1ea3n n\u1ee3 x\u1ea5u v\u00e0 t\u00e0i s\u1ea3n b\u1ea3o \u0111\u1ea3m c\u1ee7a kho\u1ea3n n\u1ee3 x\u1ea5u c\u00f3 gi\u00e1 tr\u1ecb l\u1edbn.<\/p>\n

D\u1ef1 th\u1ea3o Ngh\u1ecb \u0111\u1ecbnh n\u00e0y \u0111\u01b0\u1ee3c x\u00e2y d\u1ef1ng \u0111\u1ec3 h\u01b0\u1edbng d\u1eabn th\u1ef1c hi\u1ec7n Lu\u1eadt \u0110\u1ea5u gi\u00e1 t\u00e0i s\u1ea3n (c\u00f3 hi\u1ec7u l\u1ef1c t\u1eeb 1\/7\/2017), \u0111\u1ea3m b\u1ea3o ph\u00f9 h\u1ee3p v\u1edbi t\u00ednh ch\u1ea5t \u0111\u1eb7c th\u00f9 trong ho\u1ea1t \u0111\u1ed9ng b\u00e1n \u0111\u1ea5u gi\u00e1 kho\u1ea3n n\u1ee3 x\u1ea5u, t\u00e0i s\u1ea3n b\u1ea3o \u0111\u1ea3m c\u1ee7a kho\u1ea3n n\u1ee3 x\u1ea5u c\u1ee7a VAMC; \u0111\u1ea3m b\u1ea3o ti\u1ebfn tr\u00ecnh \u0111\u1ea9y nhanh ho\u1ea1t \u0111\u1ed9ng x\u1eed l\u00fd n\u1ee3 x\u1ea5u c\u1ee7a c\u00e1c TCTD, VAMC.<\/p>\n

Nh\u1eadn x\u00e9t v\u1ec1 v\u1ea5n \u0111\u1ec1 n\u00e0y, theo Lu\u1eadt s\u01b0 Tr\u01b0\u01a1ng Thanh \u0110\u1ee9c,\u00a0<\/em>Gi\u00e1m \u0111\u1ed1c C\u00f4ng ty Lu\u1eadt TNHH ANVI<\/em>, vi\u1ec7c x\u1eed l\u00fd n\u1ee3 x\u1ea5u c\u00f2n nhi\u1ec1u kh\u00f3 kh\u0103n do ph\u1ee5 thu\u1ed9c v\u00e0o r\u1ea5t nhi\u1ec1u y\u1ebfu t\u1ed1 n\u1eb1m ngo\u00e0i s\u1ef1 ki\u1ec3m so\u00e1t c\u1ee7a ng\u00e2n h\u00e0ng. \u0110\u1eb7c bi\u1ec7t, vi\u1ec7c x\u1eed l\u00fd t\u00e0i s\u1ea3n \u0111\u1ea3m b\u1ea3o c\u00f2n nhi\u1ec1u gian nan v\u00ec quy \u0111\u1ecbnh ph\u00e1p lu\u1eadt c\u00f2n v\u01b0\u1edbng m\u1eafc. \u0110\u00e2y c\u0169ng l\u00e0 \u201cn\u1ed7i ni\u1ec1m\u201d chung c\u1ee7a nhi\u1ec1u ng\u00e2n h\u00e0ng v\u00e0 c\u00e1c chuy\u00ean gia khi n\u00f3i v\u1ec1 vi\u1ec7c x\u1eed l\u00fd n\u1ee3 x\u1ea5u.<\/em><\/p>\n

Cho vay hi\u1ec7u qu\u1ea3<\/strong><\/p>\n

C\u00f9ng v\u1edbi nh\u1eefng quy \u0111\u1ecbnh tr\u00ean, t\u1ea1i Th\u00f4ng t\u01b0 39\/2016\/TT-NHNN quy \u0111\u1ecbnh v\u1ec1 ho\u1ea1t \u0111\u1ed9ng cho vay c\u1ee7a TCTD, chi nh\u00e1nh ng\u00e2n h\u00e0ng n\u01b0\u1edbc ngo\u00e0i \u0111\u1ed1i v\u1edbi kh\u00e1ch h\u00e0ng, NHNN \u0111\u00e3 n\u1edbi l\u1ecfng h\u01a1n v\u1ec1 l\u00e3i su\u1ea5t cho vay khi kh\u00f4ng c\u00f3 tr\u1ea7n l\u00e3i su\u1ea5t cho vay c\u1ee5 th\u1ec3, tr\u1eeb m\u1ed9t s\u1ed1 tr\u01b0\u1eddng h\u1ee3p \u0111\u1eb7c th\u00f9; hay vi\u1ec7c NHNN \u0111\u00e3 b\u00e1m s\u00e1t th\u1ef1c t\u1ebf ho\u1ea1t \u0111\u1ed9ng cho vay v\u1edbi ba ph\u01b0\u01a1ng th\u1ee9c cho vay m\u1edbi l\u00e0: Cho vay l\u01b0u v\u1ee5, cho vay quay v\u00f2ng, cho vay tu\u1ea7n ho\u00e0n c\u00f9ng nhi\u1ec1u quy \u0111\u1ecbnh nh\u1eb1m \u0111\u01a1n gi\u1ea3n h\u00f3a th\u1ee7 t\u1ee5c cho vay, \u0111\u1ea3m b\u1ea3o minh b\u1ea1ch trong ho\u1ea1t \u0111\u1ed9ng cho vay v\u00e0 b\u1ea3o v\u1ec7 quy\u1ec1n l\u1ee3i c\u1ee7a kh\u00e1ch h\u00e0ng vay c\u0169ng nh\u01b0 \u0111\u1ea3m b\u1ea3o kh\u00f4ng l\u00e0m gia t\u0103ng n\u1ee3 x\u1ea5u…<\/p>\n

\u0110\u00e1ng ch\u00fa \u00fd, Th\u00f4ng t\u01b0 39 \u0111\u00e3 quy \u0111\u1ecbnh r\u00f5 h\u01a1n v\u1ec1 tr\u01b0\u1eddng h\u1ee3p cho vay tr\u1ea3 n\u1ee3 kho\u1ea3n vay t\u1ea1i TCTD cho vay, TCTD kh\u00e1c v\u00e0 ph\u01b0\u01a1ng th\u1ee9c cho vay tu\u1ea7n ho\u00e0n. Tuy nhi\u00ean, TCTD v\u00e0 kh\u00e1ch h\u00e0ng \u0111\u01b0\u1ee3c th\u1ecfa thu\u1eadn \u00e1p d\u1ee5ng cho vay tu\u1ea7n ho\u00e0n n\u1ebfu \u0111\u00e1p \u1ee9ng \u0111\u1ee7 4 \u0111i\u1ec1u ki\u1ec7n: \u0110\u1ebfn th\u1eddi h\u1ea1n tr\u1ea3 n\u1ee3, kh\u00e1ch h\u00e0ng c\u00f3 quy\u1ec1n tr\u1ea3 n\u1ee3 ho\u1eb7c k\u00e9o d\u00e0i th\u1eddi h\u1ea1n tr\u1ea3 n\u1ee3 th\u00eam m\u1ed9t kho\u1ea3ng th\u1eddi gian nh\u1ea5t \u0111\u1ecbnh \u0111\u1ed1i v\u1edbi m\u1ed9t ph\u1ea7n ho\u1eb7c to\u00e0n b\u1ed9 s\u1ed1 d\u01b0 n\u1ee3 g\u1ed1c c\u1ee7a kho\u1ea3n vay; t\u1ed5ng th\u1eddi h\u1ea1n vay v\u1ed1n kh\u00f4ng v\u01b0\u1ee3t qu\u00e1 12 th\u00e1ng k\u1ec3 t\u1eeb ng\u00e0y gi\u1ea3i ng\u00e2n ban \u0111\u1ea7u v\u00e0 kh\u00f4ng v\u01b0\u1ee3t qu\u00e1 m\u1ed9t chu k\u1ef3 ho\u1ea1t \u0111\u1ed9ng kinh doanh; t\u1ea1i th\u1eddi \u0111i\u1ec3m xem x\u00e9t cho vay, kh\u00e1ch h\u00e0ng kh\u00f4ng c\u00f3 n\u1ee3 x\u1ea5u t\u1ea1i c\u00e1c t\u1ed5 ch\u1ee9c t\u00edn d\u1ee5ng; trong qu\u00e1 tr\u00ecnh cho vay tu\u1ea7n ho\u00e0n, n\u1ebfu kh\u00e1ch h\u00e0ng c\u00f3 n\u1ee3 x\u1ea5u t\u1ea1i c\u00e1c TCTD th\u00ec kh\u00f4ng \u0111\u01b0\u1ee3c th\u1ef1c hi\u1ec7n k\u00e9o d\u00e0i th\u1eddi h\u1ea1n tr\u1ea3 n\u1ee3 theo th\u1ecfa thu\u1eadn.<\/p>\n

Trong khi tr\u01b0\u1edbc \u0111\u00f3, v\u00e0o ng\u00e0y 16\/9\/2016, Th\u1ed1ng \u0111\u1ed1c NHNN \u0111\u00e3 ban h\u00e0nh c\u00f4ng v\u0103n s\u1ed1 6960\/NHNN-TTGSNH v\u1ec1 ch\u1ea5n ch\u1ec9nh cho vay m\u1edbi tr\u1ea3 n\u1ee3 tr\u01b0\u1edbc h\u1ea1n v\u00e0\/ho\u1eb7c c\u1ea5p t\u00edn d\u1ee5ng theo h\u00ecnh th\u1ee9c cho vay tu\u1ea7n ho\u00e0n c\u1ee7a c\u00e1c TCTD, chi nh\u00e1nh ng\u00e2n h\u00e0ng n\u01b0\u1edbc ngo\u00e0i. Trong \u0111\u00f3, Th\u1ed1ng \u0111\u1ed1c y\u00eau c\u1ea7u c\u00e1c TCTD d\u1eebng th\u1ef1c hi\u1ec7n vi\u1ec7c cho vay m\u1edbi tr\u1ea3 n\u1ee3 tr\u01b0\u1edbc h\u1ea1n v\u00e0\/ho\u1eb7c c\u1ea5p t\u00edn d\u1ee5ng theo h\u00ecnh th\u1ee9c cho vay tu\u1ea7n ho\u00e0n.<\/p>\n

Lu\u1eadt s\u01b0 Tr\u01b0\u01a1ng Thanh \u0110\u1ee9c cho r\u1eb1ng, Th\u00f4ng t\u01b0 39 \u0111\u01b0\u1ee3c NHNN quy \u0111\u1ecbnh r\u00f5 h\u01a1n v\u00e0 \u0111\u1ea7y \u0111\u1ee7 h\u01a1n v\u1ec1 cho vay tu\u1ea7n ho\u00e0n, \u0111\u1ec3 ph\u00e2n bi\u1ec7t r\u00f5 gi\u1eefa cho vay tu\u1ea7n ho\u00e0n v\u00e0 \u0111\u1ea3o n\u1ee3. B\u1edfi cho vay tu\u1ea7n ho\u00e0n v\u00e0 \u0111\u1ea3o n\u1ee3 kh\u00f4ng gi\u1ed1ng nhau, n\u00ean trong quy \u0111\u1ecbnh n\u00e0y, c\u01a1 c\u1ea5u th\u1eddi h\u1ea1n tr\u1ea3 n\u1ee3 v\u1eabn r\u1ea5t ch\u1eb7t ch\u1ebd, khi\u1ebfn ng\u00e2n h\u00e0ng kh\u00f4ng th\u1ec3 cho vay \u0111\u1ea3o n\u1ee3, trong khi cho vay \u0111\u1ea3o n\u1ee3 l\u00e0 m\u1ed9t trong nh\u1eefng h\u00ecnh th\u1ee9c gi\u1ea5u n\u1ee3 x\u1ea5u c\u1ee7a TCTD.<\/em><\/p>\n

Cho vay tu\u1ea7n ho\u00e0n kh\u00f4ng ph\u1ea3i l\u00e0 m\u1ed9t ph\u01b0\u01a1ng th\u1ee9c cho vay c\u00f3 t\u00ednh linh ho\u1ea1t, gi\u00fap DN ti\u1ebft ki\u1ec7m \u0111\u01b0\u1ee3c chi ph\u00ed cho vay, ph\u00f9 h\u1ee3p v\u1edbi th\u00f4ng l\u1ec7 qu\u1ed1c t\u1ebf, gi\u00fap \u00edch cho s\u1ef1 ph\u00e1t tri\u1ec3n c\u1ee7a TCTD v\u00e0 kh\u00e1ch h\u00e0ng. Do \u0111\u00f3, c\u00e1c chuy\u00ean gia v\u00e0 DN \u0111\u1ec1u \u201cph\u1ea5n kh\u1edfi\u201d khi ph\u01b0\u01a1ng th\u1ee9c n\u00e0y l\u1ea1i \u0111\u01b0\u1ee3c ti\u1ebfp t\u1ee5c, m\u00e0 v\u1eabn \u0111\u1ea3m b\u1ea3o t\u00ednh an to\u00e0n cho vi\u1ec7c ki\u1ec3m so\u00e1t n\u1ee3 x\u1ea5u.<\/p>\n

C\u00f3 th\u1ec3 th\u1ea5y, nh\u1eefng n\u0103m qua, NHNN li\u00ean t\u1ee5c \u0111\u01b0a ra nhi\u1ec1u ph\u01b0\u01a1ng \u00e1n, ch\u1ec9 \u0111\u1ea1o c\u0169ng nh\u01b0 c\u01a1 s\u1edf ph\u00e1p l\u00fd \u0111\u1ec3 n\u00e2ng cao hi\u1ec7u qu\u1ea3 c\u1ee7a vi\u1ec7c x\u1eed l\u00fd n\u1ee3 x\u1ea5u. Tuy nhi\u00ean, v\u1ea5n \u0111\u1ec1 l\u00e0 l\u00e0m th\u1ebf n\u00e0o \u0111\u1ec3 nh\u1eefng bi\u1ec7n ph\u00e1p n\u00e0y \u0111\u01b0\u1ee3c \u0111i v\u00e0o th\u1ef1c thi, \u0111\u1ec3 n\u1ee3 x\u1ea5u gi\u1ea3m m\u1ed9t c\u00e1ch th\u1ef1c ch\u1ea5t v\u1eabn c\u1ea7n nhi\u1ec1u th\u1eddi gian \u0111\u1ec3 gi\u1ea3i quy\u1ebft.<\/p>\n

H\u01b0\u01a1ng D\u1ecbu<\/strong><\/p>\n

\u2014\u2014\u2014\u2014\u2014<\/strong><\/p>\n

H\u1ea3i quan (Kinh t\u1ebf) 28-7-2017:<\/em><\/strong><\/p>\n

http:\/\/www.baohaiquan.vn\/Pages\/No-xau-truoc-thoi-cuoc-moi.aspx<\/em><\/a><\/p>\n

(176\/1.260)<\/em><\/p>\n

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

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