{"id":19813,"date":"2015-09-10T09:55:20","date_gmt":"2015-09-10T02:55:20","guid":{"rendered":"https:\/\/anvilaw.com\/vi\/?p=19813"},"modified":"2022-04-28T09:58:59","modified_gmt":"2022-04-28T02:58:59","slug":"820-tran-lai-suat-va-cuoc-chien-chong-cho-vay-nang-lai","status":"publish","type":"post","link":"https:\/\/anvilaw.com\/vi\/820-tran-lai-suat-va-cuoc-chien-chong-cho-vay-nang-lai\/","title":{"rendered":"820. Tr\u1ea7n l\u00e3i su\u1ea5t v\u00e0 cu\u1ed9c chi\u1ebfn ch\u1ed1ng cho vay n\u1eb7ng l\u00e3i"},"content":{"rendered":"(VEF) – Tr\u1ea7n l\u00e3i su\u1ea5t \u0111\u01b0\u1ee3c ph\u00e1p lu\u1eadt quy \u0111\u1ecbnh nh\u1eb1m ch\u1ed1ng cho vay n\u1eb7ng l\u00e3i c\u1ee7a t\u00edn d\u1ee5ng \u0111en. Tuy nhi\u00ean, c\u00f3 th\u1ec3 s\u1ebd kh\u00f4ng c\u1ea7n \u0111\u1ebfn tr\u1ea7n l\u00e3i su\u1ea5t n\u1ebfu d\u1ecbch v\u1ee5 ng\u00e2n h\u00e0ng ph\u00e1t tri\u1ec3n v\u00e0 l\u00e3i su\u1ea5t c\u1ea1nh tranh \u0111\u1ec3 \u0111\u01b0a v\u1ed1n \u0111\u1ebfn kh\u00e1ch h\u00e0ng d\u1ec5 d\u00e0ng h\u01a1n. L\u00fac \u0111\u00f3, th\u1ecb tr\u01b0\u1eddng s\u1ebd kh\u00f4ng c\u00f2n ch\u1ed7 cho t\u00edn d\u1ee5ng \u0111en.<\/strong><\/p>\n

Ng\u00e2n h\u00e0ng chi\u1ebfm \u0111\u1ea5t t\u00edn d\u1ee5ng \u0111en<\/strong><\/p>\n

C\u00f3 m\u1ed9t th\u1ef1c t\u1ebf ph\u1ea3i th\u1eeba nh\u1eadn l\u00e0 t\u00edn d\u1ee5ng \u0111en \u1edf Vi\u1ec7t Nam \u0111ang chi\u1ebfm m\u1ed9t th\u1ecb ph\u1ea7n r\u1ea5t l\u1edbn nh\u1ea5t l\u00e0 \u1edf n\u00f4ng th\u00f4n v\u00e0 t\u1ea7ng l\u1edbp ng\u01b0\u1eddi kinh doanh, lao \u0111\u1ed9ng t\u1ef1 do. \u0110\u00e2y ch\u00ednh l\u00e0 \u0111\u1ecba d\u01b0 c\u00f2n l\u1ea1i m\u00e0 c\u00e1c t\u1ed5 ch\u1ee9c t\u00edn d\u1ee5ng \u0111ang nh\u1eafm t\u1edbi \u0111\u1ec3 khai th\u00e1c.<\/p>\n

Th\u1eddi gian qua, c\u00e1c h\u00ecnh th\u1ee9c cho vay ti\u00eau d\u00f9ng, vay kinh doanh ng\u1eafn h\u1ea1n tr\u1ea3 g\u00f3p\u2026 \u0111\u00e3 \u0111\u01b0\u1ee3c c\u00e1c ng\u00e2n h\u00e0ng ph\u00e1t tri\u1ec3n m\u1ea1nh chi\u1ebfm l\u1ea1i th\u1ecb ph\u1ea7n c\u1ee7a t\u00edn d\u1ee5ng \u0111en, h\u1ea1n ch\u1ebf t\u00ecnh tr\u1ea1ng cho vay n\u1eb7ng l\u00e3i. V\u1edbi \u0111\u1ed3ng v\u1ed1n nh\u1ecf v\u00e0 ph\u01b0\u01a1ng th\u1ee9c tr\u1ea3 n\u1ee3 ph\u00f9 h\u1ee3p \u0111\u00e3 gi\u00fap nhi\u1ec1u ng\u01b0\u1eddi hi\u1ec7n th\u1ef1c h\u00f3a k\u1ebf ho\u1ea1ch s\u1ea3n xu\u1ea5t kinh doanh, t\u1eeb \u0111\u00f3 tho\u00e1t ngh\u00e8o nhanh ch\u00f3ng.<\/p>\n

Lu\u1eadt s\u01b0 Tr\u01b0\u01a1ng Thanh \u0110\u1ee9c, Gi\u00e1m \u0111\u1ed1c C\u00f4ng ty Lu\u1eadt ANVI, cho bi\u1ebft, m\u1ed9t trong nh\u1eefng l\u00fd do quan tr\u1ecdng h\u00e0ng \u0111\u1ea7u \u0111\u1ec3 t\u00edn d\u1ee5ng ch\u00ednh th\u1ee9c \u0111\u00f3ng vai tr\u00f2 thay th\u1ebf t\u00edn d\u1ee5ng \u0111en l\u00e0 l\u00e3i su\u1ea5t th\u1ecfa thu\u1eadn, b\u1edfi n\u00f3 ch\u1ee9a \u0111\u1ef1ng \u0111\u1ea7y \u0111\u1ee7 y\u1ebfu t\u1ed1 th\u1ecb tr\u01b0\u1eddng b\u00ean trong hai ch\u1eef “th\u1ecfa thu\u1eadn” \u0111\u00f3.<\/em><\/p>\n

\u00d4ng \u0110\u1ee9c ph\u00e2n t\u00edch, h\u1ea7u h\u1ebft c\u00e1c t\u1ed5 ch\u1ee9c t\u00edn d\u1ee5ng \u0111\u1ec1u mong mu\u1ed1n ph\u00e1t tri\u1ec3n s\u1ea3n ph\u1ea9m cho vay ti\u00eau d\u00f9ng \u0111\u1ed1i v\u1edbi c\u00e1 nh\u00e2n. Tuy nhi\u00ean, do \u0111\u1ed3ng th\u1eddi qu\u1ea3n l\u00fd c\u1ea3 nh\u1eefng kho\u1ea3n vay c\u1ee7a c\u00e1c t\u1ed5 ch\u1ee9c v\u1edbi h\u1ea1n m\u1ee9c l\u1edbn v\u00e0 c\u00f3 t\u00e0i s\u1ea3n b\u1ea3o \u0111\u1ea3m theo ph\u01b0\u01a1ng th\u1ee9c truy\u1ec1n th\u1ed1ng n\u00ean nh\u1eefng quy \u0111\u1ecbnh c\u1ee7a ng\u00e2n h\u00e0ng \u0111\u00f2i h\u1ecfi \u0111i\u1ec1u ki\u1ec7n, h\u1ed3 s\u01a1 ch\u1eb7t ch\u1ebd, gi\u1ea5y t\u1edd b\u00e0i b\u1ea3n. \u0110\u00f3 c\u0169ng ch\u00ednh l\u00e0 l\u00fd do \u0111\u1ec3 c\u00e1c c\u00f4ng ty t\u00e0i ch\u00ednh ra \u0111\u1eddi, th\u1ef1c hi\u1ec7n c\u00e1c d\u1ecbch v\u1ee5 cho vay ti\u00eau d\u00f9ng v\u1edbi c\u00e1c th\u1ee7 t\u1ee5c h\u1ebft s\u1ee9c \u0111\u01a1n gi\u1ea3n, d\u1ec5 d\u00e0ng, linh ho\u1ea1t nh\u1eb1m t\u1eebng b\u01b0\u1edbc \u0111\u1ea9y l\u00f9i t\u00edn d\u1ee5ng \u0111en tr\u00ean th\u1ecb tr\u01b0\u1eddng.<\/em><\/p>\n\n\n\n\n
\"\"<\/td>\n<\/tr>\n
C\u00f3 th\u1ec3 s\u1ebd kh\u00f4ng c\u1ea7n \u0111\u1ebfn tr\u1ea7n l\u00e3i su\u1ea5t n\u1ebfu d\u1ecbch v\u1ee5 ng\u00e2n h\u00e0ng ph\u00e1t tri\u1ec3n v\u00e0 l\u00e3i su\u1ea5t c\u1ea1nh tranh \u0111\u1ec3 \u0111\u01b0a v\u1ed1n \u0111\u1ebfn kh\u00e1ch h\u00e0ng d\u1ec5 d\u00e0ng h\u01a1n.<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n

Chuy\u00ean gia Nguy\u1ec5n Tr\u00ed Hi\u1ebfu c\u0169ng \u0111\u00e1nh gi\u00e1, c\u1ea7n h\u1ebft s\u1ee9c tr\u00e1nh s\u1ef1 nh\u1ea7m l\u1eabn gi\u1eefa hai kh\u00e1i ni\u1ec7m: l\u00e3i su\u1ea5t th\u1ecfa thu\u1eadn gi\u1eefa ng\u01b0\u1eddi cho vay v\u00e0 \u0111i vay tr\u00ean c\u01a1 s\u1edf th\u01b0\u01a1ng m\u1ea1i v\u00e0 l\u00e3i su\u1ea5t \u00e1p \u0111\u1eb7t trong t\u00edn d\u1ee5ng \u0111en, v\u1eabn th\u01b0\u1eddng \u0111\u01b0\u1ee3c g\u1ecdi l\u00e0 l\u00e3i su\u1ea5t “c\u1eaft c\u1ed5”.<\/p>\n

\u00d4ng Hi\u1ebfu cho r\u1eb1ng, s\u1ebd r\u1ea5t kh\u00f3 m\u1edf r\u1ed9ng lo\u1ea1i h\u00ecnh cho vay ti\u00eau d\u00f9ng c\u1ee7a ng\u00e2n h\u00e0ng, n\u1ebfu nh\u01b0 \u1ea5n \u0111\u1ecbnh tr\u1ea7n l\u00e3i su\u1ea5t chung v\u1edbi cho vay b\u00ean ngo\u00e0i v\u1edbi m\u1ed9t m\u1ee9c th\u1ea5p. Tr\u1ea7n l\u00e3i su\u1ea5t d\u1ef1 ki\u1ebfn 20%\/n\u0103m l\u00e0 ho\u00e0n to\u00e0n xa r\u1eddi th\u1ef1c t\u1ebf, s\u1ebd d\u1eabn \u0111\u1ebfn ph\u1ea7n l\u1edbn giao d\u1ecbch ph\u1ea1m lu\u1eadt v\u00e0 h\u1ea1n ch\u1ebf k\u00eanh cho vay ch\u00ednh th\u1ee9c, khuy\u1ebfn kh\u00edch ho\u1ea1t \u0111\u1ed9ng cho vay t\u1ef1 ph\u00e1t, g\u1ed3m c\u1ea3 cho vay n\u1eb7ng l\u00e3i.<\/p>\n

Theo ph\u00e2n t\u00edch c\u1ee7a \u00f4ng Hi\u1ebfu, ng\u00e2n h\u00e0ng l\u00e0 m\u1ed9t t\u1ed5 ch\u1ee9c cho vay chuy\u00ean nghi\u1ec7p, do \u0111\u00f3 cho d\u00f9 \u0111\u01b0\u1ee3c ph\u00e9p th\u1ecfa thu\u1eadn m\u1ee9c l\u00e3i su\u1ea5t th\u00ec h\u1ecd v\u1eabn s\u1ebd gi\u1eef l\u00e3i su\u1ea5t \u1edf m\u1ee9c c\u1ea1nh tranh v\u00e0 h\u1ee3p l\u00fd nh\u1ea5t, m\u1ee9c n\u00e0y ho\u00e0n to\u00e0n c\u00f3 th\u1ec3 c\u00f3 t\u00ednh ch\u1ea5t quy\u1ebft \u0111\u1ecbnh m\u1ee9c l\u00e3i su\u1ea5t c\u1ee7a th\u1ecb tr\u01b0\u1eddng. V\u00ec v\u1eady, c\u00e1c gi\u1edbi h\u1ea1n \u0111\u1eb7t ra \u0111\u1ed1i v\u1edbi cho vay b\u00ean ngo\u00e0i c\u1ea7n tham kh\u1ea3o ngay tr\u00ean m\u1ee9c l\u00e3i su\u1ea5t hi\u1ec7n h\u00e0nh c\u1ee7a c\u00e1c ng\u00e2n h\u00e0ng v\u00e0 c\u00e1c c\u00f4ng ty t\u00e0i ch\u00ednh, b\u1edfi c\u1ea3 hai \u0111\u1ec1u l\u00e0 giao d\u1ecbch h\u1ee3p ph\u00e1p, v\u00e0 c\u00e1c t\u1ed5 ch\u1ee9c t\u00edn d\u1ee5ng ch\u1ecbu s\u1ef1 \u0111i\u1ec1u ch\u1ec9nh c\u1ee7a Lu\u1eadt c\u00e1c t\u1ed5 ch\u1ee9c t\u00edn d\u1ee5ng v\u00e0 theo xu h\u01b0\u1edbng th\u1ecb tr\u01b0\u1eddng.<\/p>\n

L\u00e3i su\u1ea5t c\u1ea1nh tranh, t\u00edn d\u1ee5ng \u0111en h\u1ebft \u0111\u1ea5t s\u1ed1ng<\/strong><\/p>\n

Theo TS. C\u1ea5n V\u0103n L\u1ef1c, chuy\u00ean gia kinh t\u1ebf, vi\u1ec7c \u00e1p tr\u1ea7n s\u1ebd l\u00e0m m\u00e9o m\u00f3 \u0111\u1ebfn ho\u1ea1t \u0111\u1ed9ng t\u00edn d\u1ee5ng n\u00f3i chung v\u00e0 cho vay ti\u00eau d\u00f9ng n\u00f3i ri\u00eang. C\u1ee5 th\u1ec3, khi \u00e1p tr\u1ea7n, \u0111\u1eb7c bi\u1ec7t \u0111\u1ed1i v\u1edbi cho vay ti\u00eau d\u00f9ng ch\u1ee7 y\u1ebfu t\u00edn ch\u1ea5p, \u0111\u1ed9 r\u1ee7i ro cao h\u01a1n h\u1eb3n, n\u00ean l\u00e3i su\u1ea5t \u0111\u01b0\u01a1ng nhi\u00ean ph\u1ea3i cao h\u01a1n.<\/p>\n\n\n\n\n
\"\"<\/td>\n<\/tr>\n
T\u00edn d\u1ee5ng \u0111en s\u1ebd h\u1ebft \u0111\u1ea5t s\u1ed1ng?<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n

\u201cQuy \u0111\u1ecbnh l\u00e3i su\u1ea5t n\u00ean \u0111\u1ec3 lu\u1eadt chuy\u00ean ng\u00e0nh chi ph\u1ed1i, thay v\u00ec Lu\u1eadt D\u00e2n s\u1ef1 v\u1eeba kh\u00f4ng tr\u00fang v\u00e0 c\u0169ng kh\u00f4ng ph\u00f9 h\u1ee3p. C\u00f2n ch\u1ed1ng cho vay n\u1eb7ng l\u00e3i c\u00f3 nhi\u1ec1u c\u00e1ch, nh\u01b0 t\u0103ng kh\u1ea3 n\u0103ng ti\u1ebfp c\u1eadn d\u1ecbch v\u1ee5 t\u00e0i ch\u00ednh – ng\u00e2n h\u00e0ng, \u0111\u1ea9y m\u1ea1nh vi\u1ec7c c\u00f4ng khai minh b\u1ea1ch v\u00e0 t\u00ednh th\u01b0\u1ee3ng t\u00f4n ph\u00e1p lu\u1eadt, t\u0103ng c\u01b0\u1eddng ph\u00e1t tri\u1ec3n t\u00e0i ch\u00ednh vi m\u00f4, qu\u1ef9 t\u00edn d\u1ee5ng\/\u0111\u1ea7u t\u01b0, th\u1ebb t\u00edn d\u1ee5ng\u2026 s\u1ebd gi\u1ea3m b\u1edbt t\u00edn d\u1ee5ng \u0111en, gi\u1ea3m b\u1edbt c\u00e1c nguy\u00ean nh\u00e2n g\u00e2y b\u1ea5t \u1ed5n tr\u1eadt t\u1ef1, \u0111\u1ea3m b\u1ea3o an to\u00e0n x\u00e3 h\u1ed9i\u201d, \u00f4ng L\u1ef1c n\u00f3i.<\/p>\n

Theo \u00f4ng Hi\u1ebfu, m\u1ed9t khi th\u1ea3 n\u1ed5i l\u00e3i su\u1ea5t, cho n\u00f3 ho\u1ea1t \u0111\u1ed9ng theo c\u01a1 ch\u1ebf th\u1ecb tr\u01b0\u1eddng th\u00ec c\u00e1c ng\u00e2n h\u00e0ng kh\u00f4ng th\u1ec3 \u0111\u01b0a ra m\u1ed9t m\u1ee9c l\u00e3i su\u1ea5t qu\u00e1 cao, v\u00ec nh\u01b0 v\u1eady doanh nghi\u1ec7p s\u1ebd b\u1ecf h\u1ecd v\u00e0 ng\u00e2n h\u00e0ng \u0111\u00e3 t\u1ef1 c\u1eaft \u0111i ngu\u1ed3n s\u1ed1ng c\u1ee7a m\u00ecnh.<\/p>\n

\u0110\u1ed3ng quan \u0111i\u1ec3m, \u00f4ng \u0110\u1ee9c c\u0169ng ki\u1ebfn ngh\u1ecb, l\u00e3i su\u1ea5t trong th\u1ecb tr\u01b0\u1eddng c\u0169ng nh\u01b0 c\u00e1c lo\u1ea1i gi\u00e1 c\u1ea3 kh\u00e1c, quan tr\u1ecdng nh\u1ea5t l\u00e0 c\u1ea7n ph\u1ea3i \u0111\u01b0\u1ee3c t\u1ef1 do tho\u1ea3 thu\u1eadn, t\u1ef1 kh\u1eafc th\u1ecb tr\u01b0\u1eddng s\u1ebd \u0111\u1ecbnh h\u00ecnh ra m\u1ed9t m\u1ee9c l\u00e3i su\u1ea5t th\u1ea5p nh\u1ea5t, h\u1ee3p l\u00fd nh\u1ea5t v\u00e0 c\u1ea1nh tranh nh\u1ea5t. Ch\u1ec9 nh\u1eefng giao d\u1ecbch vay m\u01b0\u1ee3n n\u00e0o c\u00f3 d\u1ea5u hi\u1ec7u b\u1ea5t th\u01b0\u1eddng hay l\u00e0 m\u1ed9t trong c\u00e1c b\u00ean tham gia c\u00f3 d\u1ea5u hi\u1ec7u b\u1ecb \u00e9p bu\u1ed9c, gian d\u1ed1i, l\u1eeba \u0111\u1ea3o \u2026 th\u00ec m\u1edbi n\u00ean x\u1eed l\u00fd. Quan tr\u1ecdng nh\u1ea5t l\u00e0 m\u1ecdi ch\u1ee7 th\u1ec3 giao d\u1ecbch \u0111\u1ec1u ph\u1ea3i \u0111\u01b0\u1ee3c b\u00ecnh \u0111\u1eb3ng.<\/em><\/p>\n

N\u1ebfu cho ph\u00e9p tho\u1ea3 thu\u1eadn l\u00e3i su\u1ea5t, th\u00ec kh\u00f4ng ch\u1ec9 \u00e1p d\u1ee5ng ri\u00eang \u0111\u1ed1i v\u1edbi c\u00e1c t\u1ed5 ch\u1ee9c t\u00edn d\u1ee5ng, m\u00e0 ph\u1ea3i l\u00e0 v\u1edbi m\u1ecdi giao d\u1ecbch. T\u01b0\u01a1ng t\u1ef1, n\u1ebfu c\u00f3 tr\u1ea7n l\u00e3i su\u1ea5t th\u00ec c\u0169ng ph\u1ea3i \u00e1p d\u1ee5ng chung cho t\u1ea5t c\u1ea3 v\u00e0 ph\u1ea3i t\u00ednh to\u00e1n \u1edf m\u1ee9c h\u1ee3p l\u00fd \u0111\u1ec3 kh\u00f4ng g\u00e2y kh\u00f3 kh\u0103n cho c\u00e1c b\u00ean tham gia ho\u1ea1t \u0111\u1ed9ng n\u00e0y.<\/em><\/p>\n

Nh\u01b0 v\u1eady, c\u00f3 th\u1ec3 th\u1ea5y, r\u1ea5t c\u1ea7n c\u00f3 quy \u0111\u1ecbnh ch\u1ed1ng cho vay n\u1eb7ng l\u00e3i \u0111\u1ec3 b\u1ea3o v\u1ec7 quy\u1ec1n l\u1ee3i c\u1ee7a ng\u01b0\u1eddi d\u00e2n, nh\u01b0ng v\u1ea5n \u0111\u1ec1 quan tr\u1ecdng nh\u1ea5t \u1edf \u0111\u00e2y l\u00e0 tr\u1ea7n l\u00e3i su\u1ea5t ph\u1ea3i \u0111\u1ee7 r\u1ed9ng \u0111\u1ec3 kh\u00f4ng nh\u1eefng tr\u00e1nh cho ng\u00e2n h\u00e0ng m\u00e0 cho to\u00e0n x\u00e3 h\u1ed9i r\u01a1i v\u00e0o t\u00ecnh tr\u1ea1ng b\u00ed b\u00e1ch, bu\u1ed9c ph\u1ea3i th\u01b0\u1eddng xuy\u00ean ph\u1ea1m lu\u1eadt nh\u01b0 su\u1ed1t h\u00e0ng ch\u1ee5c n\u0103m qua.<\/em><\/p>\n

H.N<\/strong><\/p>\n

——-<\/p>\n

VEF (Kinh t\u1ebf) 10-9-2015:<\/em><\/strong><\/p>\n

http:\/\/vietnamnet.vn\/vn\/kinh-te\/261085\/tran-lai-suat-va-cuoc-chien-chong-cho-vay-nang-lai.html<\/em><\/p>\n

(413\/1.141)","protected":false},"excerpt":{"rendered":"

(VEF) – Tr\u1ea7n l\u00e3i su\u1ea5t \u0111\u01b0\u1ee3c ph\u00e1p lu\u1eadt quy \u0111\u1ecbnh nh\u1eb1m ch\u1ed1ng cho vay n\u1eb7ng l\u00e3i c\u1ee7a t\u00edn d\u1ee5ng \u0111en. Tuy nhi\u00ean, c\u00f3 th\u1ec3 s\u1ebd kh\u00f4ng c\u1ea7n \u0111\u1ebfn tr\u1ea7n l\u00e3i su\u1ea5t n\u1ebfu d\u1ecbch v\u1ee5 ng\u00e2n h\u00e0ng ph\u00e1t tri\u1ec3n v\u00e0 l\u00e3i su\u1ea5t c\u1ea1nh tranh \u0111\u1ec3 \u0111\u01b0a v\u1ed1n \u0111\u1ebfn kh\u00e1ch h\u00e0ng d\u1ec5 d\u00e0ng h\u01a1n. L\u00fac \u0111\u00f3, th\u1ecb […]<\/p>\n","protected":false},"author":3,"featured_media":19820,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":""},"categories":[27,26],"tags":[],"class_list":["post-19813","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-interviews","category-legal-media"],"acf":[],"yoast_head":"\n820. 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