{"id":20058,"date":"2015-06-03T21:17:49","date_gmt":"2015-06-03T14:17:49","guid":{"rendered":"https:\/\/anvilaw.com\/vi\/?p=20058"},"modified":"2022-05-04T20:18:13","modified_gmt":"2022-05-04T13:18:13","slug":"714-lai-suat-co-ban-mat-dan-y-nghia","status":"publish","type":"post","link":"https:\/\/anvilaw.com\/vi\/714-lai-suat-co-ban-mat-dan-y-nghia\/","title":{"rendered":"714. L\u00e3i su\u1ea5t c\u01a1 b\u1ea3n m\u1ea5t d\u1ea7n \u00fd ngh\u0129a"},"content":{"rendered":"

(NL\u0110) – Sau g\u1ea7n 10 n\u0103m \u201cd\u00f9ng d\u1eb1ng\u201d gi\u1eef hay b\u1ecf l\u00e3i su\u1ea5t c\u01a1 b\u1ea3n, v\u1ea5n \u0111\u1ec1 n\u00e0y m\u1ed9t l\u1ea7n n\u1eefa \u0111\u01b0\u1ee3c \u0111\u1eb7t l\u00ean b\u00e0n ngh\u1ecb s\u1ef1 t\u1ea1i k\u1ef3 h\u1ecdp Qu\u1ed1c h\u1ed9i \u0111ang di\u1ec5n ra<\/strong><\/p>\n

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N\u1ebfu b\u1ecf l\u00e3i su\u1ea5t c\u01a1 b\u1ea3n, ti\u1ebfn tr\u00ecnh t\u1ef1 do h\u00f3a l\u00e3i su\u1ea5t c\u1ee7a c\u00e1c ng\u00e2n h\u00e0ng (NH) s\u1ebd \u0111\u1ebfn g\u1ea7n v\u00e0 l\u00e3i su\u1ea5t th\u1ef1c t\u1ebf c\u1ee7a h\u1ec7 th\u1ed1ng th\u1ef1c ch\u1ea5t h\u01a1n, s\u00e1t v\u1edbi th\u1ecb tr\u01b0\u1eddng h\u01a1n v\u00e0 ng\u01b0\u1ee3c l\u1ea1i. Hi\u1ec7n nay, B\u1ed9 Lu\u1eadt H\u00ecnh s\u1ef1 quy \u0111\u1ecbnh t\u1ed9i cho vay n\u1eb7ng l\u00e3i, B\u1ed9 Lu\u1eadt D\u00e2n s\u1ef1 quy \u0111\u1ecbnh c\u00f3 l\u00e3i su\u1ea5t c\u01a1 b\u1ea3n (LSCB) v\u1edbi m\u1ee9c cho vay n\u1ebfu v\u01b0\u1ee3t qu\u00e1 150% l\u00e0 ph\u1ea1m t\u1ed9i cho vay n\u1eb7ng l\u00e3i. C\u00f2n Lu\u1eadt Ng\u00e2n h\u00e0ng Nh\u00e0 n\u01b0\u1edbc (NHNN) quy \u0111\u1ecbnh c\u00f3 LSCB nh\u01b0ng Lu\u1eadt C\u00e1c t\u1ed5 ch\u1ee9c t\u00edn d\u1ee5ng l\u1ea1i cho ph\u00e9p c\u00e1c b\u00ean th\u1ecfa thu\u1eadn l\u00e3i su\u1ea5t.<\/p>\n

M\u1ed9t m\u00ecnh m\u1ed9t ch\u1ee3<\/strong><\/p>\n

T\u1ea1i d\u1ef1 th\u1ea3o B\u1ed9 Lu\u1eadt D\u00e2n s\u1ef1 s\u1eeda \u0111\u1ed5i tr\u00ecnh Qu\u1ed1c h\u1ed9i, c\u01a1 quan so\u1ea1n th\u1ea3o \u0111\u1ec1 xu\u1ea5t v\u1eabn gi\u1eef nguy\u00ean quy \u0111\u1ecbnh l\u1ea5y c\u01a1 s\u1edf \u0111\u1ec3 x\u00e1c \u0111\u1ecbnh tr\u1ea7n l\u00e3i su\u1ea5t vay l\u00e0 LSCB, ch\u1ec9 n\u1edbi khung th\u00eam 50%. C\u1ee5 th\u1ec3 l\u00e0 lu\u1eadt hi\u1ec7n h\u00e0nh quy \u0111\u1ecbnh \u201cl\u00e3i su\u1ea5t cho 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 LSCB do NHNN c\u00f4ng b\u1ed1\u201d, c\u00f2n d\u1ef1 th\u1ea3o lu\u1eadt s\u1eeda \u0111\u1ed5i 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 200% theo LSCB do NHNN c\u00f4ng b\u1ed1 \u0111\u1ed1i v\u1edbi lo\u1ea1i vay t\u01b0\u01a1ng \u1ee9ng, tr\u1eeb tr\u01b0\u1eddng h\u1ee3p lu\u1eadt c\u00f3 quy \u0111\u1ecbnh kh\u00e1c\u201d. Nhi\u1ec1u \u00fd ki\u1ebfn cho r\u1eb1ng d\u1ef1 th\u1ea3o B\u1ed9 Lu\u1eadt D\u00e2n s\u1ef1 (s\u1eeda \u0111\u1ed5i) n\u00ean \u0111i\u1ec1u ch\u1ec9nh theo h\u01b0\u1edbng quy \u0111\u1ecbnh LSCB trong lu\u1eadt n\u00e0y kh\u00f4ng \u00e1p d\u1ee5ng \u0111\u1ed1i v\u1edbi h\u1ec7 th\u1ed1ng ng\u00e2n h\u00e0ng.<\/p>\n

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\"V\u1eabn<\/div>\n
V\u1eabn c\u00f2n nhi\u1ec1u \u00fd ki\u1ebfn tr\u00e1i ng\u01b0\u1ee3c nhau v\u1ec1 vi\u1ec7c n\u00ean gi\u1eef hay b\u1ecf l\u00e3i su\u1ea5t c\u01a1 b\u1ea3n \u1ea2nh: T\u1ea4N TH\u1ea0NH<\/em><\/div>\n<\/div>\n

Theo Ch\u1ee7 nhi\u1ec7m \u1ee6y ban Kinh t\u1ebf c\u1ee7a Qu\u1ed1c h\u1ed9i, \u00f4ng Nguy\u1ec5n V\u0103n Gi\u00e0u, tr\u00ean th\u1ebf gi\u1edbi kh\u00f4ng c\u00f3 kh\u00e1i ni\u1ec7m LSCB. H\u1ec7 th\u1ed1ng NH trung \u01b0\u01a1ng tr\u00ean th\u1ebf gi\u1edbi ch\u1ec9 t\u1ed3n t\u1ea1i ph\u1ed5 bi\u1ebfn 3 lo\u1ea1i l\u00e3i su\u1ea5t: l\u00e3i su\u1ea5t t\u00e1i c\u1ea5p v\u1ed1n, l\u00e3i su\u1ea5t chi\u1ebft kh\u1ea5u v\u00e0 l\u00e3i su\u1ea5t qua \u0111\u00eam. N\u1ebfu Vi\u1ec7t Nam v\u1eabn \u0111\u1ec3 kh\u00e1i ni\u1ec7m LSCB th\u00ec s\u1ebd gi\u1ea3i quy\u1ebft th\u1ebf n\u00e0o khi c\u00f3 nh\u1eefng v\u1ee5 vi\u1ec7c li\u00ean quan t\u1edbi lu\u1eadt ph\u00e1p c\u1ee7a c\u00e1c n\u01b0\u1edbc kh\u00e1c?<\/p>\n

Tuy nhi\u00ean, nhi\u1ec1u \u00fd ki\u1ebfn kh\u00e1c l\u1ea1i cho r\u1eb1ng LSCB kh\u00f4ng ch\u1ec9 l\u00e0 c\u00f4ng c\u1ee5 quan tr\u1ecdng c\u1ee7a NHNN trong \u0111i\u1ec1u h\u00e0nh ch\u00ednh s\u00e1ch ti\u1ec1n t\u1ec7 m\u00e0 c\u00f2n l\u00e0 tham chi\u1ebfu c\u1ea7n thi\u1ebft li\u00ean quan \u0111\u1ebfn quy \u0111\u1ecbnh c\u1ee7a B\u1ed9 Lu\u1eadt D\u00e2n s\u1ef1 v\u1ec1 cho vay n\u1eb7ng l\u00e3i.<\/p>\n

\u0110\u1ea1i di\u1ec7n TAND T\u1ed1i cao \u0111\u01b0a ra quan \u0111i\u1ec3m c\u1ea7n ph\u1ea3i c\u00f3 LSCB \u0111\u1ec3 \u0111i\u1ec1u ch\u1ec9nh ch\u00ednh s\u00e1ch li\u00ean quan \u0111\u1ebfn l\u00e3i su\u1ea5t, l\u00e0m c\u01a1 s\u1edf gi\u1ea3i quy\u1ebft nhi\u1ec1u v\u1ee5 vi\u1ec7c tranh ch\u1ea5p, tr\u00e1nh \u0111\u1ec3 x\u1ea3y ra cho vay n\u1eb7ng l\u00e3i ho\u1eb7c l\u1ee3i d\u1ee5ng \u0111i\u1ec1u n\u00e0y nh\u1eb1m tr\u1ed1n thu\u1ebf. C\u00f9ng quan \u0111i\u1ec3m, B\u1ed9 T\u01b0 ph\u00e1p cho r\u1eb1ng do gi\u00e1 tr\u1ecb \u0111\u1ed3ng ti\u1ec1n c\u1ee7a Vi\u1ec7t Nam kh\u00f4ng \u1ed5n \u0111\u1ecbnh n\u00ean B\u1ed9 Lu\u1eadt D\u00e2n s\u1ef1 ph\u1ea3i quy \u0111\u1ecbnh v\u1ec1 LSCB, tr\u00e1nh s\u1ef1 b\u1eaft b\u00ed nhau trong c\u00e1c quan h\u1ec7 d\u00e2n s\u1ef1.<\/p>\n

C\u00f3 c\u0169ng nh\u01b0 kh\u00f4ng<\/strong><\/p>\n

Trong khi v\u1ea5n \u0111\u1ec1 gi\u1eef hay b\u1ecf LSCB \u0111ang c\u00f2n nhi\u1ec1u tranh c\u00e3i th\u00ec trong th\u1ef1c t\u1ebf, c\u00f4ng c\u1ee5 \u0111i\u1ec1u h\u00e0nh n\u00e0y \u0111\u00e3 b\u1ecb th\u1ecb tr\u01b0\u1eddng \u201cv\u00f4 hi\u1ec7u h\u00f3a\u201d t\u1eeb l\u00e2u.<\/p>\n

LSCB \u0111\u01b0\u1ee3c quy \u0111\u1ecbnh b\u1edfi Lu\u1eadt NHNN. Lu\u1eadt n\u00e0y c\u00f3 hi\u1ec7u l\u1ef1c t\u1eeb n\u0103m 2008 nh\u01b0ng ph\u1ea3i \u0111\u1ebfn n\u0103m 2010, c\u01a1 quan c\u00f3 th\u1ea9m quy\u1ec1n m\u1edbi x\u00e1c \u0111\u1ecbnh LSCB \u0111\u1ec3 th\u1ef1c hi\u1ec7n. M\u1ed9t chuy\u00ean gia NH ph\u00e2n t\u00edch trong giai \u0111o\u1ea1n 2000-2007, vai tr\u00f2 c\u1ee7a LSCB r\u1ea5t m\u1edd nh\u1ea1t, th\u1eadm ch\u00ed l\u1ea1c l\u00f5ng khi di\u1ec5n bi\u1ebfn tr\u00e1i chi\u1ec1u v\u1edbi l\u00e3i su\u1ea5t kinh doanh c\u1ee7a c\u00e1c NH.<\/p>\n

\u0110\u1ebfn n\u0103m 2008, l\u1ea1m ph\u00e1t gia t\u0103ng phi m\u00e3, kinh t\u1ebf suy gi\u1ea3m, th\u1ecb tr\u01b0\u1eddng ti\u1ec1n t\u1ec7 b\u1ea5t \u1ed5n v\u1edbi m\u1ee9c l\u00e3i su\u1ea5t huy \u0111\u1ed9ng\/cho vay l\u00ean \u0111\u1ebfn h\u01a1n 20%, NHNN m\u1edbi s\u1eed d\u1ee5ng c\u00f4ng c\u1ee5 n\u00e0y \u0111\u1ec3 \u1ed5n \u0111\u1ecbnh th\u1ecb tr\u01b0\u1eddng. T\u1eeb n\u0103m 2009 \u0111\u1ebfn nay, NHNN kh\u00f4ng c\u00f4ng b\u1ed1 LSCB, ch\u1ec9 khi \u0111\u01a1n v\u1ecb n\u00e0o c\u00f3 v\u1ea5n \u0111\u1ec1 v\u01b0\u1edbng m\u1eafc g\u1eedi v\u0103n b\u1ea3n \u0111\u1ebfn h\u1ecfi NHNN th\u00ec \u0111\u01b0\u1ee3c tr\u1ea3 l\u1eddi v\u1eabn \u00e1p m\u1ee9c LSCB nh\u01b0 tr\u01b0\u1edbc n\u0103m 2009, t\u1ee9c l\u00e0 9%\/n\u0103m cho d\u00f9 trong th\u1ef1c t\u1ebf, di\u1ec5n bi\u1ebfn l\u00e3i su\u1ea5t \u0111\u00e3 thay \u0111\u1ed5i r\u1ea5t nhi\u1ec1u.<\/p>\n

Lu\u1eadt s\u01b0 Tr\u01b0\u01a1ng Thanh \u0110\u1ee9c, Ch\u1ee7 nhi\u1ec7m CLB Ph\u00e1p ch\u1ebf – Hi\u1ec7p h\u1ed9i NH, ph\u00e2n t\u00edch v\u1edbi t\u00ecnh tr\u1ea1ng c\u00f3 c\u0169ng nh\u01b0 kh\u00f4ng hi\u1ec7n nay, n\u00ean b\u1ecf LSCB trong B\u1ed9 Lu\u1eadt D\u00e2n s\u1ef1 \u0111\u1ec3 ti\u1ebfn t\u1edbi l\u1ed9 tr\u00ecnh th\u1ef1c hi\u1ec7n t\u1ef1 do h\u00f3a l\u00e3i su\u1ea5t c\u1ee7a h\u1ec7 th\u1ed1ng NH nh\u01b0 ch\u1ee7 tr\u01b0\u01a1ng \u0111\u00e3 \u0111\u1ec1 ra. B\u1edfi trong th\u1ef1c t\u1ebf, l\u00e3i su\u1ea5t NH c\u00f3 th\u1eddi \u0111i\u1ec3m cho vay t\u1edbi 30%\/n\u0103m nh\u01b0ng v\u1eabn kh\u00f4ng b\u1ecb c\u01a1 quan qu\u1ea3n l\u00fd tu\u00fdt c\u00f2i v\u00e0 v\u1ec1 ph\u00eda ng\u01b0\u1eddi vay c\u0169ng kh\u00f4ng ai kh\u1edfi ki\u1ec7n cho vay n\u1eb7ng l\u00e3i.<\/p>\n

N\u1ebfu ch\u1ec9 n\u1edbi t\u1eeb m\u1ee9c cho vay b\u1eb1ng 150% LSCB l\u00ean 200% hay l\u00ean 250% nh\u01b0 \u0111\u00e3 t\u1eebng \u0111\u1ec1 xu\u1ea5t tr\u01b0\u1edbc \u0111\u00e2y c\u0169ng kh\u00f4ng th\u1ec3 khi\u1ebfn th\u1ecb tr\u01b0\u1eddng ti\u1ec1n t\u1ec7 \u0111\u01b0\u1ee3c linh ho\u1ea1t v\u00ec \u201cchi\u1ebfc \u00e1o\u201d LSCB \u0111\u00e3 tr\u1edf n\u00ean qu\u00e1 ch\u1eadt. \u201cLSCB kh\u00f4ng c\u00f3 \u00fd ngh\u0129a kinh t\u1ebf, mang n\u1eb7ng t\u00ednh h\u00e0nh ch\u00ednh v\u00e0 ch\u1ec9 ph\u00f9 h\u1ee3p v\u1edbi giai \u0111o\u1ea1n th\u1ecb tr\u01b0\u1eddng kh\u00f4ng \u1ed5n \u0111\u1ecbnh. N\u1ebfu quay l\u1ea1i c\u01a1 ch\u1ebf tr\u1ea7n l\u00e3i su\u1ea5t s\u1ebd l\u00e0 b\u01b0\u1edbc l\u00f9i trong qu\u00e1 tr\u00ecnh ti\u1ebfn t\u1edbi t\u1ef1 do h\u00f3a l\u00e3i su\u1ea5t\u201d – LS Tr\u01b0\u01a1ng Thanh \u0110\u1ee9c n\u00f3i.<\/p>\n

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L\u00e3i su\u1ea5t ti\u1ebft ki\u1ec7m c\u00f3 d\u1ea5u hi\u1ec7u t\u0103ng<\/strong><\/p>\n

NH N\u00f4ng nghi\u1ec7p v\u00e0 Ph\u00e1t tri\u1ec3n n\u00f4ng th\u00f4n (Agribank) v\u1eeba th\u00f4ng b\u00e1o \u0111i\u1ec1u ch\u1ec9nh l\u00e3i su\u1ea5t g\u1eedi ti\u1ebft ki\u1ec7m b\u1eb1ng ti\u1ec1n \u0111\u1ed3ng \u0111\u1ed1i v\u1edbi c\u00e1c k\u1ef3 h\u1ea1n d\u00e0i, cao nh\u1ea5t 6,8%\/n\u0103m cho k\u1ef3 h\u1ea1n 24 th\u00e1ng (tr\u01b0\u1edbc \u0111\u00e2y k\u1ef3 h\u1ea1n n\u00e0y ch\u1ec9 6,3%\/n\u0103m). L\u00e3i su\u1ea5t huy \u0111\u1ed9ng k\u1ef3 h\u1ea1n 18 th\u00e1ng c\u0169ng t\u0103ng 0,3%\/n\u0103m l\u00ean 6,5%\/n\u0103m. T\u1ea1i NH TMCP C\u00f4ng Th\u01b0\u01a1ng Vi\u1ec7t Nam (VietinBank), l\u00e3i su\u1ea5t c\u00e1c k\u1ef3 h\u1ea1n ng\u1eafn t\u0103ng 0,4%-0,5%\/n\u0103m.<\/p>\n

\u1ede kh\u1ed1i NH c\u1ed5 ph\u1ea7n, l\u00e3i su\u1ea5t huy \u0111\u1ed9ng c\u0169ng t\u0103ng theo c\u00e1c ch\u01b0\u01a1ng tr\u00ecnh khuy\u1ebfn m\u00e3i. Ch\u1eb3ng h\u1ea1n, NH TMCP Xu\u1ea5t nh\u1eadp kh\u1ea9u (Eximbank) \u0111ang \u00e1p d\u1ee5ng ch\u01b0\u01a1ng tr\u00ecnh khuy\u1ebfn m\u00e3i v\u1edbi m\u1ee9c l\u00e3i su\u1ea5t ti\u1ec1n g\u1eedi cho kh\u00e1ch h\u00e0ng tham gia ch\u01b0\u01a1ng tr\u00ecnh t\u0103ng 0,2%\/n\u0103m so v\u1edbi g\u1eedi th\u00f4ng th\u01b0\u1eddng. \u201cTr\u01b0\u1edbc \u0111\u00e2y, kh\u00e1ch h\u00e0ng g\u1eedi ti\u1ebft ki\u1ec7m tham gia ch\u01b0\u01a1ng tr\u00ecnh khuy\u1ebfn m\u00e3i l\u00e3i su\u1ea5t s\u1ebd th\u1ea5p h\u01a1n nh\u01b0ng nay NH \u00e1p d\u1ee5ng ng\u01b0\u1ee3c l\u1ea1i, v\u1eeba \u0111\u01b0\u1ee3c m\u00e3 s\u1ed1 d\u1ef1 th\u01b0\u1edfng v\u1eeba t\u0103ng l\u00e3i su\u1ea5t \u0111\u1ec3 thu h\u00fat kh\u00e1ch h\u00e0ng g\u1eedi ti\u1ec1n\u201d – nh\u00e2n vi\u00ean NH n\u00e0y l\u00fd gi\u1ea3i. T.Ph\u01b0\u01a1ng<\/p>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n

T\u00d4 H\u00c0<\/strong><\/p>\n

——————<\/p>\n

Ng\u01b0\u1eddi lao \u0111\u1ed9ng (Kinh t\u1ebf) 03-6-2015:<\/em><\/strong><\/p>\n

http:\/\/nld.com.vn\/kinh-te\/lai-suat-co-ban-mat-dan-y-nghia-20150603213924324.htm<\/em><\/a><\/p>\n

(187\/1.119)<\/em>","protected":false},"excerpt":{"rendered":"

(NL\u0110) – Sau g\u1ea7n 10 n\u0103m \u201cd\u00f9ng d\u1eb1ng\u201d gi\u1eef hay b\u1ecf l\u00e3i su\u1ea5t c\u01a1 b\u1ea3n, v\u1ea5n \u0111\u1ec1 n\u00e0y m\u1ed9t l\u1ea7n n\u1eefa \u0111\u01b0\u1ee3c \u0111\u1eb7t l\u00ean b\u00e0n ngh\u1ecb s\u1ef1 t\u1ea1i k\u1ef3 h\u1ecdp Qu\u1ed1c h\u1ed9i \u0111ang di\u1ec5n ra N\u1ebfu b\u1ecf l\u00e3i su\u1ea5t c\u01a1 b\u1ea3n, ti\u1ebfn tr\u00ecnh t\u1ef1 do h\u00f3a l\u00e3i su\u1ea5t c\u1ee7a c\u00e1c ng\u00e2n h\u00e0ng (NH) s\u1ebd \u0111\u1ebfn […]<\/p>\n","protected":false},"author":10,"featured_media":20069,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":""},"categories":[27,26],"tags":[],"class_list":["post-20058","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-interviews","category-legal-media"],"acf":[],"yoast_head":"\n714. 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