{"id":21391,"date":"2013-11-08T16:31:16","date_gmt":"2013-11-08T09:31:16","guid":{"rendered":"https:\/\/anvilaw.com\/vi\/?p=21391"},"modified":"2022-05-16T16:34:59","modified_gmt":"2022-05-16T09:34:59","slug":"404-tu-vu-ngan-hang-chinh-sach-chi-tien-cho-cau-thuy-de-lam-ghe-ngan-sach-nao-ganh-noi","status":"publish","type":"post","link":"https:\/\/anvilaw.com\/vi\/404-tu-vu-ngan-hang-chinh-sach-chi-tien-cho-cau-thuy-de-lam-ghe-ngan-sach-nao-ganh-noi\/","title":{"rendered":"404. T\u1eeb v\u1ee5 Ng\u00e2n h\u00e0ng ch\u00ednh s\u00e1ch chi ti\u00ea\u0300n cho “c\u1eadu Th\u1ee7y”: \u201c\u0110\u1ebb\u201d l\u1eafm gh\u1ebf, ng\u00e2n s\u00e1ch n\u00e0o g\u00e1nh n\u1ed5i?"},"content":{"rendered":"(IFN) – \u201cV\u1ebd\u201d ra qu\u00e1 nhi\u1ec1u gh\u1ebf, ban, b\u1ec7 v\u1edbi \u0111\u1ea1i di\u1ec7n t\u1eeb c\u00e1c b\u1ed9, ng\u00e0nh t\u1eeb T\u01af t\u1edbi \u0111\u1ecba ph\u01b0\u01a1ng, trong khi ho\u1ea1t \u0111\u1ed9ng cho vay, thu h\u1ed3i n\u1ee3 k\u00e9m hi\u1ec7u qu\u1ea3…” l\u00e0 nh\u1eefng nghi ng\u1ea1i v\u1ec1 ho\u1ea1t \u0111\u1ed9ng c\u1ee7a m\u00f4 h\u00ecnh Ng\u00e2n h\u00e0ng Chi\u0301nh sa\u0301ch xa\u0303 h\u00f4\u0323i.<\/strong><\/p>\n

S\u1ef1 vi\u1ec7c Ng\u00e2n h\u00e0ng Ch\u00ednh s\u00e1ch x\u00e3 h\u1ed9i (NHCSXH) tr\u1ea3 7,9 t\u1ef7 \u0111\u1ed3ng cho \u201cnh\u00e0 t\u00e2m linh\u201d Nguy\u1ec5n Thanh Th\u00fay (bi\u1ec7t danh c\u1eadu Th\u1ee7y) t\u00ecm ki\u1ebfm h\u00e0i c\u1ed1t li\u1ec7t s\u0129, nh\u01b0ng l\u1ea1i l\u00e0 nh\u1eefng h\u00e0i c\u1ed1t gi\u1ea3 \u0111\u00e3 g\u00e2y ch\u1ea5n \u0111\u1ed9ng d\u01b0 lu\u1eadn th\u1eddi gian qua. D\u00f9 “c\u1eadu Th\u1ee7y” \u0111\u00e3 b\u1ecb c\u01a1 quan \u0111i\u1ec1u tra b\u1eaft gi\u1eef \u0111\u1ec3 ph\u1ee5c v\u1ee5 c\u00f4ng t\u00e1c \u0111i\u1ec1u tra, nh\u01b0ng d\u01b0 lu\u1eadn \u0111\u1eb7t kh\u00f4ng \u00edt nghi ng\u1edd v\u1ec1 ngu\u1ed3n g\u1ed1c s\u1ed1 ti\u1ec1n m\u00e0 NHCSXH c\u00f3 \u0111\u01b0\u1ee3c \u0111\u1ec3 tr\u1ea3 th\u00f9 lao cho \u0111\u1ed1i t\u01b0\u1ee3ng n\u00e0y. Vi\u1ec7c t\u1ed5 ch\u1ee9c b\u1ed9 m\u00e1y c\u1ed3ng k\u1ec1nh cu\u0303ng \u0111\u01b0\u01a1\u0323c cho la\u0300 \u0111i\u00ea\u0309m y\u00ea\u0301u cu\u0309a t\u00f4\u0309 ch\u01b0\u0301c na\u0300y.<\/p>\n\n\n\n\n
\"\"<\/td>\n<\/tr>\n
S\u01a1 \u0111\u1ed3 c\u01a1 c\u1ea5u t\u1ed5 ch\u1ee9c c\u1ee7a NHCSXH<\/em><\/p>\n

\u1ea2nh ch\u1ee5p t\u1eeb website NHCSXH<\/em><\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n

Nh\u00ecn v\u00e0o danh s\u00e1ch h\u1ed9i \u0111\u1ed3ng qu\u1ea3n tr\u1ecb ng\u00e2n h\u00e0ng n\u00e0y nhi\u1ec1u ng\u01b0\u1eddi kh\u00f4ng kh\u1ecfi gi\u1eadt m\u00ecnh v\u1ec1 c\u00e1ch t\u1ed5 ch\u1ee9c b\u1ed9 m\u00e1y c\u1ed3ng k\u1ec1nh v\u1edbi nhi\u1ec1u ban, ph\u00f2ng \u201cph\u1ee7\u201d t\u1edbi t\u1eadn huy\u1ec7n, x\u00e3\/ph\u01b0\u1eddng.<\/p>\n

Theo c\u01a1 c\u1ea5u t\u1ed5 ch\u1ee9c \u0111\u01b0\u1ee3c c\u00f4ng b\u1ed1 tr\u00ean website, NHCSXH \u0111\u01b0\u1ee3c t\u1ed5 ch\u1ee9c theo 3 c\u1ea5p: H\u1ed9i s\u1edf ch\u00ednh \u1edf T\u01af, Chi nh\u00e1nh \u1edf c\u1ea5p t\u1ec9nh, Ph\u00f2ng giao d\u1ecbch \u1edf c\u1ea5p huy\u1ec7n. M\u1ed7i c\u1ea5p \u0111\u1ec1u c\u00f3 b\u1ed9 m\u00e1y qu\u1ea3n tr\u1ecb v\u00e0 b\u1ed9 m\u00e1y \u0111i\u1ec1u h\u00e0nh t\u00e1c nghi\u1ec7p. B\u1ed9 m\u00e1y qu\u1ea3n tr\u1ecb, g\u1ed3m: H\u0110QT v\u00e0 b\u1ed9 m\u00e1y gi\u00fap vi\u1ec7c \u1edf T\u01af; ban \u0111\u1ea1i di\u1ec7n H\u0110QT \u1edf c\u1ea5p t\u1ec9nh, huy\u1ec7n. B\u1ed9 m\u00e1y \u0111i\u1ec1u h\u00e0nh t\u00e1c nghi\u1ec7p, g\u1ed3m: H\u1ed9i s\u1edf ch\u00ednh \u1edf T\u01af, S\u1edf giao d\u1ecbch, Trung t\u00e2m \u0110\u00e0o t\u1ea1o, Trung t\u00e2m CNTT; 63 chi nh\u00e1nh c\u1ea5p t\u1ec9nh v\u00e0 618 Ph\u00f2ng giao d\u1ecbch c\u1ea5p huy\u1ec7n. S\u1ed1 \u0111i\u1ec3m giao d\u1ecbch t\u1ea1i x\u00e3, ph\u01b0\u1eddng l\u00e0 10.899 tr\u00ean t\u1ed5ng s\u1ed1 11.138 x\u00e3,ph\u01b0\u1eddng.<\/p>\n

\u0110\u1ec1 c\u1eadp t\u1edbi b\u1ed9 m\u00e1y t\u1ed5 ch\u1ee9c c\u1ee7a NHCSXH, lu\u1eadt s\u01b0 Tr\u01b0\u01a1ng Thanh \u0110\u1ee9c \u2013 Gi\u00e1m \u0111\u1ed1c C\u00f4ng ty Lu\u1eadt ANVI cho r\u1eb1ng, b\u1ed9 m\u00e1y NHCSXH \u0111ang \u0111\u01b0\u1ee3c t\u1ed5 ch\u1ee9c qu\u00e1 c\u1ed3ng k\u1ec1nh v\u1edbi \u0111\u1ea7y \u0111\u1ee7 ban, b\u1ec7 “\u0111\u1eb7c th\u00f9” c\u1ee7a m\u1ed9t c\u01a1 quan Nh\u00e0 n\u01b0\u1edbc.<\/em><\/p>\n

Lu\u1eadt s\u01b0 \u0110\u1ee9c ph\u00e2n t\u00edch: C\u00f9ng chung c\u00e1i t\u00ean “ng\u00e2n h\u00e0ng” nh\u01b0ng m\u00f4 h\u00ecnh ho\u1ea1t \u0111\u1ed9ng c\u1ee7a NHCSXH kh\u00e1c ho\u00e0n to\u00e0n v\u1edbi NHTMCP. N\u1ebfu c\u00e1c NHTM ph\u1ea3i t\u1ef1 v\u1eadn \u0111\u1ed9ng s\u1ee9c m\u00ecnh \u0111\u1ec3 kinh doanh \u0111\u1ec3 ph\u00e1t tri\u1ec3n d\u1ecbch v\u1ee5, c\u00f3 l\u1ee3i nhu\u1eadn duy tr\u00ec ho\u1ea1t \u0111\u1ed9ng v\u00e0 tr\u1ea3 l\u01b0\u01a1ng nh\u00e2n vi\u00ean… th\u00ec NHCSXH l\u00e0 m\u1ed9t t\u1ed5 ch\u1ee9c c\u1ee7a Nh\u00e0 n\u01b0\u1edbc, ngu\u1ed3n thu c\u1ee7a ng\u00e2n h\u00e0ng n\u00e0y t\u1eeb \u201cb\u1ea7u s\u1eefa\u201d ng\u00e2n s\u00e1ch.<\/em><\/p>\n

V\u1edbi \u0111\u1eb7c th\u00f9 ho\u1ea1t \u0111\u1ed9ng ch\u00ednh l\u00e0 th\u1ef1c hi\u1ec7n nh\u1eefng ch\u00ednh s\u00e1ch cho vay, c\u1ea5p v\u1ed1n c\u1ee7a Nh\u00e0 n\u01b0\u1edbc t\u1edbi c\u00e1c \u0111\u1ed1i t\u01b0\u1ee3ng ch\u00ednh s\u00e1ch, ng\u01b0\u1eddi ngh\u00e8o, ph\u00e1t h\u00e0nh tr\u00e1i phi\u1ebfu Ch\u00ednh ph\u1ee7 \u0111\u01b0\u1ee3c b\u1ea3o l\u00e3nh…, v\u00e0 tr\u01b0\u1edbc \u0111\u00e2y “n\u1eb1m” trong NH N\u00f4ng nghi\u1ec7p & Ph\u00e1t tri\u1ec3n N\u00f4ng th\u00f4n (Agribank) n\u00ean m\u1ea1ng l\u01b0\u1edbi c\u1ee7a NHCSXH “ph\u1ee7” r\u1ea5t d\u00e0y, v\u1edbi t\u1ed5ng s\u1ed1 c\u00e1n b\u1ed9 lao \u0111\u1ed9ng l\u00ean t\u1edbi g\u1ea7n 10.000 ng\u01b0\u1eddi. Nguy\u00ean v\u1edbi s\u1ed1 l\u01b0\u1ee3ng ng\u01b0\u1eddi lao \u0111\u1ed9ng r\u1ea5t l\u1edbn, m\u1ed7i n\u0103m s\u1ed1 ti\u1ec1n ng\u00e2n s\u00e1ch d\u00e0nh cho vi\u1ec7c chi tr\u1ea3 l\u01b0\u01a1ng c\u1ee7a ng\u00e2n h\u00e0ng n\u00e0y kh\u00f4ng ph\u1ea3i l\u00e0 nh\u1ecf.<\/p>\n

Ch\u01b0a k\u1ec3, ch\u00ednh s\u00e1ch cho vay \u0111\u1ed1i v\u1edbi nh\u1eefng \u0111\u1ed1i t\u01b0\u1ee3ng \u01b0u ti\u00ean \u0111\u00e3 c\u00f3 s\u1eb5n, ng\u00e2n s\u00e1ch c\u1ee9 r\u00f3t xu\u1ed1ng, n\u1ebfu kh\u00f4ng thu h\u1ed3i \u0111\u01b0\u1ee3c n\u1ee3 th\u00ec c\u00f9ng l\u1eafm l\u00e0 b\u1ecb khi\u1ec3n tr\u00e1ch, k\u1ef7 lu\u1eadt, ch\u1ee9 kh\u00f4ng \u201c\u0111\u00e1nh\u201d v\u00e0o kinh t\u1ebf nh\u01b0 h\u1ec7 th\u1ed1ng NHTM.<\/p>\n

“C\u1ee9 v\u1edbi c\u01a1 ch\u1ebf l\u00e3i h\u1ecd h\u01b0\u1edfng, m\u1ea5t \u0111\u00e3 c\u00f3 Nh\u00e0 n\u01b0\u1edbc \u201cg\u00e1nh\u201d th\u00ec kh\u00f3 n\u00f3i t\u1edbi chuy\u1ec7n b\u1ed9 m\u00e1y s\u1ebd tinh gi\u1ea3n, g\u1ecdn nh\u1eb9 \u0111\u01b0\u1ee3c. V\u1edbi c\u00e1ch t\u1ed5 ch\u1ee9c tuy\u1ec3n d\u1ee5ng \u0111\u1ee7 ban, b\u1ec7… th\u00ec b\u1ed9 m\u00e1y s\u1ebd kh\u00f4ng d\u1eebng l\u1ea1i nh\u01b0 hi\u1ec7n nay m\u00e0 c\u00f3 th\u1ec3 s\u1ebd \u201cn\u1edbi r\u1ed9ng\u201d th\u00eam trong t\u01b0\u01a1ng lai”- Lu\u1eadt s\u01b0 \u0110\u1ee9c n\u00eau quan \u0111i\u1ec3m.<\/em><\/p>\n

\u201cSoi\u201d v\u00e0o ho\u1ea1t \u0111\u1ed9ng c\u1ee7a NHCSXH th\u1eddi gian qua, nguy\u00ean Th\u1ed1ng \u0111\u1ed1c NHNN – TS. Cao S\u0129 Ki\u00eam c\u0169ng th\u1eeba nh\u1eadn, c\u01a1 b\u1ea3n ch\u00ednh s\u00e1ch \u0111\u00e3 h\u01b0\u1edbng t\u1edbi \u0111\u00fang \u0111\u1ed1i t\u01b0\u1ee3ng ch\u00ednh s\u00e1ch, ng\u01b0\u1eddi ngh\u00e8o, h\u1ecdc sinh, sinh vi\u00ean… nh\u01b0ng c\u01a1 c\u1ea5u b\u1ed9 m\u00e1y v\u00e0 c\u00e1ch qu\u1ea3n l\u00fd c\u1ee7a ng\u00e2n h\u00e0ng n\u00e0y ch\u01b0a \u201c\u1ed5n\u201d.<\/p>\n

Theo \u00f4ng, ho\u1ea1t \u0111\u1ed9ng ng\u00e2n h\u00e0ng \u0111\u00f2i h\u1ecfi ph\u1ea3i \u0111\u1ea3m b\u1ea3o an to\u00e0n n\u00ean s\u1ed1 l\u01b0\u1ee3ng nh\u00e2n s\u1ef1 c\u0169ng c\u00f3 th\u1ec3 nhi\u1ec1u h\u01a1n nh\u1eefng ng\u00e0nh, ngh\u1ec1 kh\u00e1c. Nh\u01b0ng n\u1ebfu qu\u1ea3n l\u00fd l\u1ecfng l\u1ebbo, vi ph\u1ea1m nguy\u00ean t\u1eafc qu\u1ea3n tr\u1ecb m\u00e0 kh\u00f4ng c\u00f3 s\u1ef1 ki\u1ec3m so\u00e1t ch\u1eb7t ch\u1ebd th\u00ec b\u1ed9 m\u00e1y s\u1ebd \u201c\u0111\u1ebb\u201d ra nhi\u1ec1u nh\u00e2n s\u1ef1, c\u1ed3ng k\u1ec1nh, trong khi hi\u1ec7u qu\u1ea3 ho\u1ea1t \u0111\u1ed9ng l\u1ea1i kh\u00f4ng cao.<\/p>\n

Kh\u1ea3 n\u0103ng thu h\u1ed3i n\u1ee3 th\u1ea5p t\u1eeb nh\u1eefng ch\u00ednh s\u00e1ch cho vay c\u1ee7a ng\u00e2n h\u00e0ng n\u00e0y, theo Nguy\u00ean th\u00f4\u0301ng \u0111\u00f4\u0301c, c\u00f3 c\u1ea3 nguy\u00ean nh\u00e2n kh\u00e1ch quan, ch\u1ee7 quan. Do ch\u00ednh s\u00e1ch cho vay h\u01b0\u1edbng t\u1edbi \u0111\u1ed1i t\u01b0\u1ee3ng \u0111\u1eb7c bi\u1ec7t, kh\u1ea3 n\u0103ng tr\u1ea3 n\u1ee3 th\u1ea5p n\u00ean c\u00f4ng t\u00e1c thu h\u1ed3i n\u1ee3 c\u0169ng g\u1eb7p kh\u00f3 kh\u0103n. Nh\u01b0ng nguy\u00ean nh\u00e2n ch\u00ednh v\u1eabn l\u00e0 do c\u00e1ch qu\u1ea3n l\u00fd thi\u1ebfu ch\u1eb7t ch\u1ebd, ti\u00eau chu\u1ea9n cho vay \u0111\u1eb7t ra thi\u1ebfu r\u00f5 r\u00e0ng, th\u1ea9m \u0111\u1ecbnh h\u1ed3 s\u01a1 d\u1ec5 d\u00e0ng… d\u1eabn t\u1edbi nhi\u1ec1u s\u01a1 h\u1edf, sai ph\u1ea1m.<\/p>\n

R\u1ee7i ro \u0111em l\u1ea1i xu\u1ea5t ph\u00e1t t\u1eeb nh\u1eefng nguy\u00ean nh\u00e2n b\u1ea5t kh\u1ea3 kh\u00e1ng nh\u01b0 thi\u00ean t\u1ea1i, \u0111\u1ecbch h\u1ecda…. th\u00ec ng\u00e2n s\u00e1ch ph\u1ea3i b\u00f9 v\u00e0o. C\u00f2n n\u1ebfu r\u1ee7i ro \u0111\u1ebfn t\u1eeb qu\u1ea3n l\u00fd y\u1ebfu k\u00e9m th\u00ec ph\u1ea3i d\u1ee9t kho\u00e1t quy tr\u00e1ch nhi\u1ec7m ch\u1ee9 kh\u00f4ng th\u1ec3 \u201cn\u00e2ng \u0111\u1ee1\u201d m\u00e3i. \u201cB\u1ea7u s\u1eefa\u201d ng\u00e2n s\u00e1ch kh\u00f4ng th\u1ec3 ban ph\u00e1t m\u00e3i cho nh\u1eefng r\u1ee7i ro t\u1eeb ho\u1ea1t \u0111\u1ed9ng y\u1ebfu k\u00e9m, trong khi b\u1ed9 m\u00e1y h\u00e0nh ch\u00ednh qu\u00e1 c\u1ed3ng k\u1ec1nh, k\u00e9m hi\u1ec7u qu\u1ea3.<\/p>\n

\u201cCh\u00fang ta \u0111\u00e3 “\u0111\u1ebb” ra qu\u00e1 nhi\u1ec1u gh\u1ebf, khi\u1ebfn b\u1ed9 m\u00e1y nh\u00e0 n\u01b0\u1edbc ph\u00ecnh to kh\u00f4ng ng\u00e2n s\u00e1ch n\u00e0o ch\u1ecbu n\u1ed5i. \u0110\u00e3 t\u1edbi l\u00fac c\u1ea7n nh\u00ecn l\u1ea1i, c\u01a1 c\u1ea5u l\u1ea1i b\u1ed9 m\u00e1y ng\u00e2n h\u00e0ng n\u00e0y theo h\u01b0\u1edbng g\u1ecdn nh\u1eb9, n\u00e2ng cao qu\u1ea3n l\u00fd \u0111i\u1ec1u h\u00e0nh \u0111\u1ec3 ho\u1ea1t \u0111\u1ed9ng hi\u1ec7u qu\u1ea3 h\u01a1n\u201d- \u00f4ng Ki\u00eam th\u1eb3ng th\u1eafn.<\/p>\n

Nh\u00f3m PV Kinh t\u00ea\u0301<\/strong><\/p>\n

—————————-<\/p>\n

\u00a0Infonet 08-11-2013:<\/em><\/strong><\/p>\n

https:\/\/cafef.vn\/thoi-su\/tu-vu-ngan-hang-chinh-sach-chi-tien-cho-cau-thuy-de-lam-ghe-ngan-sach-nao-ganh-noi-2013110811142068314.chn<\/a><\/em>","protected":false},"excerpt":{"rendered":"

(IFN) – \u201cV\u1ebd\u201d ra qu\u00e1 nhi\u1ec1u gh\u1ebf, ban, b\u1ec7 v\u1edbi \u0111\u1ea1i di\u1ec7n t\u1eeb c\u00e1c b\u1ed9, ng\u00e0nh t\u1eeb T\u01af t\u1edbi \u0111\u1ecba ph\u01b0\u01a1ng, trong khi ho\u1ea1t \u0111\u1ed9ng cho vay, thu h\u1ed3i n\u1ee3 k\u00e9m hi\u1ec7u qu\u1ea3…” l\u00e0 nh\u1eefng nghi ng\u1ea1i v\u1ec1 ho\u1ea1t \u0111\u1ed9ng c\u1ee7a m\u00f4 h\u00ecnh Ng\u00e2n h\u00e0ng Chi\u0301nh sa\u0301ch xa\u0303 h\u00f4\u0323i. S\u1ef1 vi\u1ec7c Ng\u00e2n h\u00e0ng Ch\u00ednh s\u00e1ch […]<\/p>\n","protected":false},"author":1,"featured_media":21385,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":""},"categories":[27,26],"tags":[],"class_list":["post-21391","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-interviews","category-legal-media"],"acf":[],"yoast_head":"\n404. T\u1eeb v\u1ee5 Ng\u00e2n h\u00e0ng ch\u00ednh s\u00e1ch chi ti\u00ea\u0300n cho "c\u1eadu Th\u1ee7y": \u201c\u0110\u1ebb\u201d l\u1eafm gh\u1ebf, ng\u00e2n s\u00e1ch n\u00e0o g\u00e1nh n\u1ed5i? - 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\/vi\/404-tu-vu-ngan-hang-chinh-sach-chi-tien-cho-cau-thuy-de-lam-ghe-ngan-sach-nao-ganh-noi\/\" \/>\n<meta property=\"og:locale\" content=\"vi_VN\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"[:vi]404. 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