{"id":21460,"date":"2013-11-20T17:17:26","date_gmt":"2013-11-20T10:17:26","guid":{"rendered":"https:\/\/anvilaw.com\/vi\/?p=21460"},"modified":"2022-05-16T17:20:12","modified_gmt":"2022-05-16T10:20:12","slug":"414-go-no-cho-vay-moi-dn-mong-ngan-hang-so","status":"publish","type":"post","link":"https:\/\/anvilaw.com\/vi\/414-go-no-cho-vay-moi-dn-mong-ngan-hang-so\/","title":{"rendered":"414. G\u1ee1 n\u1ee3 cho vay m\u1edbi: DN mong, ng\u00e2n h\u00e0ng s\u1ee3"},"content":{"rendered":"(VEF) – Ng\u00e2n h\u00e0ng Nh\u00e0 n\u01b0\u1edbc v\u1eeba c\u00f3 ch\u1ec9 \u0111\u1ea1o v\u1ec1 gi\u1ea3i ph\u00e1p th\u00e1o g\u1ee1 kh\u00f3 kh\u0103n \u0111\u1ed1i v\u1edbi TCTD v\u00e0 kh\u00e1ch h\u00e0ng li\u00ean quan \u0111\u1ebfn \u0111i\u1ec1u ki\u1ec7n v\u00e0 th\u1ee7 t\u1ee5c t\u00edn d\u1ee5ng. Trong \u0111\u00f3 c\u00f3 vi\u1ec7c th\u00e1o g\u1ee1 c\u00e1c kh\u00f3 kh\u0103n v\u1ec1 n\u1ee3 \u0111\u1ec3 DN ti\u1ebfp t\u1ee5c \u0111\u01b0\u1ee3c vay m\u1edbi. Tuy nhi\u00ean, r\u1ea5t \u00edt ng\u00e2n h\u00e0ng m\u1ea1nh tay cho vay, nh\u1ea5t l\u00e0 vay t\u00edn ch\u1ea5p, v\u1edbi nh\u1eefng doanh nghi\u1ec7p \u0111ang c\u00f3 v\u1ea5n \u0111\u1ec1 v\u1ec1 \u0111i\u1ec1u ki\u1ec7n vay n\u1ee3.\u00a0<\/a><\/strong><\/p>\n

\u0110\u01b0\u1eddng m\u1edf nh\u01b0ng kh\u00f3 \u0111i<\/strong><\/p>\n

Th\u00f4ng th\u01b0\u1eddng, doanh nghi\u1ec7p c\u00f3 kho\u1ea3n vay \u0111\u01b0\u1ee3c x\u1ebfp v\u00e0 di\u1ec7n c\u00f3 v\u1ea5n \u0111\u1ec1 t\u1ea1i ng\u00e2n h\u00e0ng th\u00ec kh\u00f3 c\u00f3 th\u1ec3 vay th\u00eam \u0111\u01b0\u1ee3c n\u1eefa,. Tuy nhi\u00ean, v\u1edbi ch\u1ec9 \u0111\u1ea1o m\u1edbi \u0111\u00e3 m\u1edf ra con \u0111\u01b0\u1eddng cho ph\u00e9p c\u00e1c \u0111\u1ed1i v\u1edbi TCTD v\u00e0 kh\u00e1ch h\u00e0ng\u00a0 c\u00f3 kh\u00f3 kh\u0103n li\u00ean quan \u0111\u1ebfn \u0111i\u1ec1u ki\u1ec7n v\u00e0 th\u1ee7 t\u1ee5c t\u00edn d\u1ee5ng \u0111\u01b0\u1ee3c ti\u1ebfp t\u1ee5c vay v\u1ed1n m\u1edbi t\u00e0i tr\u1ee3 cho c\u00e1c d\u1ef1 \u00e1n c\u1ee7a m\u00ecnh.<\/p>\n

C\u1ee5 th\u1ec3, tr\u01b0\u1eddng h\u1ee3p doanh nghi\u1ec7p kh\u00f4ng c\u00f3 t\u00e0i s\u1ea3n th\u1ebf ch\u1ea5p v\u00ec \u0111\u00e3 th\u1ebf ch\u1ea5p tr\u01b0\u1edbc \u0111\u00f3, n\u1ebfu x\u00e9t th\u1ea5y d\u1ef1 \u00e1n kinh doanh s\u1ea3n xu\u1ea5t kh\u1ea3 thi, c\u00e1c ng\u00e2n h\u00e0ng v\u1eabn cho vay m\u1edbi b\u1eb1ng h\u00ecnh th\u1ee9c t\u00edn ch\u1ea5p. Ho\u1eb7c, cho vay th\u1ebf ch\u1ea5p b\u1eb1ng h\u00e0ng h\u00f3a, ti\u1ec1n b\u1ea3o l\u00e3nh c\u1ee7a doanh nghi\u1ec7p.<\/p>\n

M\u1eb7c d\u00f9 v\u1eady, theo nh\u1eadn \u0111\u1ecbnh \u0111i\u1ec1u n\u00e0y v\u1eabn ch\u1ec9 \u0111\u00fang tr\u00ean l\u00fd thuy\u1ebft b\u1edfi, c\u00e1c doanh nghi\u1ec7p kh\u00f3 \u0111\u01b0\u1ee3c h\u01b0\u1edfng l\u1ee3i t\u1eeb ch\u00ednh s\u00e1ch n\u00e0y.<\/p>\n

Ti\u1ebfn s\u1ef9 Cao S\u1ef9 Ki\u00eam, Ch\u1ee7 t\u1ecbch Hi\u1ec7p h\u1ed9i Doanh nghi\u1ec7p nh\u1ecf v\u00e0 v\u1eeba Vi\u1ec7t Nam, cho r\u1eb1ng, trong b\u1ed1i c\u1ea3nh t\u00ecnh h\u00ecnh t\u00e0i ch\u00ednh kh\u00f3 kh\u0103n nh\u01b0 hi\u1ec7n nay, kh\u00f4ng ph\u1ee7 nh\u1eadn nh\u1eefng l\u1ee3i \u00edch thi\u1ebft th\u1ef1c c\u1ee7a c\u00e1c ch\u01b0\u01a1ng tr\u00ecnh m\u1edf r\u1ed9ng \u0111i\u1ec1u ki\u1ec7n t\u00edn d\u1ee5ng mang l\u1ea1i. V\u1ec1 l\u00fd thuy\u1ebft, ng\u00e2n h\u00e0ng cho doanh nghi\u1ec7p vay t\u00edn ch\u1ea5p \u0111\u1ec3 ti\u1ebfp t\u1ee5c ho\u00e0n th\u00e0nh c\u00e1c d\u1ef1 \u00e1n s\u1ea3n xu\u1ea5t, kinh doanh m\u1edbi c\u00f3 t\u00ednh kh\u1ea3 thi thu h\u1ed3i v\u1ed1n v\u00e0 hi\u1ec7u qu\u1ea3 kinh doanh cao.<\/p>\n\n\n\n\n
\"\"<\/td>\n<\/tr>\n
Lo ng\u1ea1i r\u1ee7i ro n\u1ee3 x\u1ea5u gia t\u0103ng, c\u00e1c DN v\u1eabn ch\u01b0a d\u00e1m m\u1ea1nh tay cho DN vay (\u1ea3nh minh h\u1ecda – TN)<\/em><\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n

Nh\u01b0ng c\u00f4ng v\u0103n n\u00e0y ch\u1ec9 c\u00f3 hi\u1ec7u l\u1ef1c \u0111\u1ebfn 31\/12\/2013 n\u00ean kh\u1ea3 n\u0103ng doanh nghi\u1ec7p \u0111\u01b0\u1ee3c vay l\u00e0 kh\u00f3, b\u1edfi t\u1eeb khi c\u00f3 ph\u01b0\u01a1ng \u00e1n kh\u1ea3 thi, \u0111\u1ebfn l\u1eadp h\u1ed3 s\u01a1 vay v\u1ed1n, r\u1ed3i \u0111\u01b0\u1ee3c c\u00e1c ng\u00e2n h\u00e0ng th\u1ea9m \u0111\u1ecbnh ph\u1ea3i m\u1ea5t th\u1eddi gian kh\u00e1 d\u00e0i. Trong khi, b\u1ea3n th\u00e2n nhi\u1ec1u doanh nghi\u1ec7p l\u1ea1i \u0111ang mang “\u00e1n” n\u1ee3 x\u1ea5u n\u00ean ng\u00e2n h\u00e0ng ph\u1ea3i th\u1ea9m \u0111\u1ecbnh k\u1ef9 c\u00e0ng th\u00ec th\u1eddi gian nh\u01b0 v\u1eady l\u00e0 qu\u00e1 ng\u1eafn.<\/p>\n

\u0110i\u1ec1u n\u00e0y may ra ch\u1ec9 c\u00f3 th\u1ec3 th\u1ef1c hi\u1ec7n \u0111\u01b0\u1ee3c v\u1edbi c\u00e1c doanh nghi\u1ec7p \u0111\u00e3 c\u00f3 s\u1eb5n d\u1ef1 \u00e1n kinh doanh t\u1ed1t, ch\u1ee9 gi\u1edd m\u1edbi b\u1eaft tay v\u00e0o l\u1eadp d\u1ef1 \u00e1n ch\u1eafc kh\u00f4ng th\u1ec3 k\u1ecbp, \u00f4ng Ki\u00eam nh\u1eadn x\u00e9t.<\/p>\n

Theo lu\u1eadt s\u01b0 Tr\u01b0\u01a1ng Thanh \u0110\u1ee9c, v\u1ec1 quy \u0111\u1ecbnh th\u00ec c\u00e1c doanh nghi\u1ec7p c\u00f3 n\u1ee3 x\u1ea5u kh\u00f4ng b\u1ecb c\u1ea5m vay v\u1ed1n, nh\u01b0ng v\u00ec th\u1ea5y x\u1ea5u n\u00ean kh\u00f4ng ai d\u00e1m cho vay n\u1eefa v\u00ec lo s\u1ee3 s\u1ebd x\u1ea5u h\u01a1n. Hi\u1ec7n c\u1ea3 doanh nghi\u1ec7p v\u00e0 ng\u00e2n h\u00e0ng \u0111\u1ec1u g\u1eb7p kh\u00f3 n\u00ean \u0111\u01b0\u1ee3c b\u1eadt \u0111\u00e8n xanh. M\u1eb7c d\u00f9 v\u1eady, \u0111\u1ec3 \u0111\u00e1nh gi\u00e1 th\u1ebf n\u00e0o l\u00e0 d\u1ef1 \u00e1n c\u00f3 hi\u1ec7u qu\u1ea3, kh\u1ea3 thi l\u00e0 \u0111i\u1ec1u kh\u00f4ng h\u1ec1 \u0111\u01a1n gi\u1ea3n, v\u00ec v\u1eady vi\u1ec7c cho vay l\u00e0m sao \u0111\u1ea3m b\u1ea3o an to\u00e0n hi\u1ec7u qu\u1ea3 theo ch\u1ee7 tr\u01b0\u01a1ng n\u00e0y kh\u00f4ng ph\u1ea3i l\u00e0 chuy\u1ec7n d\u1ec5 d\u00e0ng.<\/em><\/p>\n

Lo n\u1ee3 x\u1ea5u m\u1edbi<\/strong><\/p>\n

M\u1ed9t s\u1ed1 ng\u00e2n h\u00e0ng cho bi\u1ebft, h\u1ecd \u0111\u00e3 g\u1eedi ngay c\u00f4ng v\u0103n n\u00e0y t\u1edbi c\u00e1c DN, song \u0111\u1ebfn th\u1eddi \u0111i\u1ec3m n\u00e0y, h\u1ea7u nh\u01b0 ch\u01b0a c\u00f3 doanh nghi\u1ec7p n\u00e0o \u0111\u1ec1 ngh\u1ecb \u0111\u01b0\u1ee3c vay.<\/p>\n

L\u00e3nh \u0111\u1ea1o m\u1ed9t ng\u00e2n h\u00e0ng cho bi\u1ebft, c\u00e1c ng\u00e2n h\u00e0ng hi\u1ec7n khi xem x\u00e9t cho vay ph\u1ea3i ch\u1ecdn l\u1ecdc k\u1ef9 c\u00e0ng \u0111\u1ec3 tr\u00e1nh ph\u00e1t sinh th\u00eam n\u1ee3 x\u1ea5u. Trong l\u00fac n\u00e0y, kh\u00f4ng ph\u1ea3i ng\u00e2n h\u00e0ng n\u00e0o c\u0169ng m\u1ea1nh d\u1ea1n trao v\u1ed1n cho doanh nghi\u1ec7p c\u00f3 ti\u1ec1n s\u1eed n\u1ee3 x\u1ea5u. B\u1edfi r\u1ee7i ro n\u1ee3 x\u1ea5u lu\u00f4n l\u00e0 m\u1ed1i quan t\u00e2m h\u00e0ng \u0111\u1ea7u trong ph\u00e1t tri\u1ec3n t\u00edn d\u1ee5ng hi\u1ec7n nay v\u00e0 ng\u00e2n h\u00e0ng kh\u00f4ng th\u1ec3 h\u1ea1 chu\u1ea9n cho vay.<\/p>\n

B\u00e1o c\u00e1o t\u00e0i ch\u00ednh qu\u00fd III v\u1eeba \u0111\u01b0\u1ee3c kh\u00f4ng \u00edt ng\u00e2n h\u00e0ng c\u00f4ng b\u1ed1 cho th\u1ea5y, t\u1ef7 l\u1ec7 n\u1ee3 x\u1ea5u \u0111ang c\u00f3 xu h\u01b0\u1edbng t\u0103ng l\u00ean. \u0110i\u1ec1u \u0111\u00e1ng lo ng\u1ea1i l\u00e0 n\u1ee3 c\u00f3 kh\u1ea3 n\u0103ng m\u1ea5t v\u1ed1n (nh\u00f3m 5) chi\u1ebfm ph\u1ea7n l\u1edbn t\u1ed5ng n\u1ee3 x\u1ea5u c\u1ee7a c\u00e1c ng\u00e2n h\u00e0ng. Kh\u00f4ng ch\u1ec9 v\u1edbi ng\u00e2n h\u00e0ng nh\u1ecf, m\u00e0 ngay c\u1ea3 nh\u1eefng ng\u00e2n h\u00e0ng l\u1edbn, n\u1ee3 nh\u00f3m 5 t\u00ednh t\u1ea1i th\u1eddi \u0111i\u1ec3m cu\u1ed1i qu\u00fd III c\u0169ng t\u0103ng.<\/p>\n

M\u1eb7c d\u00f9 \u0111\u00e3 \u0111\u01b0\u1ee3c ki\u1ec3m so\u00e1t k\u1ef9 ch\u1ea5t l\u01b0\u1ee3ng kho\u1ea3n vay, song n\u1ee3 x\u1ea5u v\u1eabn kh\u00f4ng ng\u1eebng t\u0103ng l\u00ean. Kh\u00f4ng ch\u1ec9 v\u1edbi kho\u1ea3n vay c\u0169, m\u00e0 ngay c\u1ea3 v\u1edbi nh\u1eefng kho\u1ea3n vay m\u1edbi gi\u1ea3i ng\u00e2n v\u00e0i th\u00e1ng tr\u01b0\u1edbc, nguy c\u01a1 n\u1ee3 x\u1ea5u c\u0169ng r\u00ecnh r\u1eadp. Nguy\u00ean nh\u00e2n ch\u00ednh l\u00e0 h\u00e0ng h\u00f3a s\u1ea3n xu\u1ea5t ra doanh nghi\u1ec7p kh\u00f4ng ti\u00eau th\u1ee5 \u0111\u01b0\u1ee3c, trong khi t\u00e0i s\u1ea3n th\u1ebf ch\u1ea5p vay ch\u00ednh l\u00e0 d\u00f2ng ti\u1ec1n b\u00e1n h\u00e0ng. Tr\u01b0\u1edbc di\u1ec5n bi\u1ebfn th\u1ecb tr\u01b0\u1eddng c\u00f2n kh\u00f3 kh\u0103n nh\u01b0 v\u1eady, kh\u00f4ng nhi\u1ec1u ng\u00e2n h\u00e0ng m\u1ea1nh tay cho vay, nh\u1ea5t l\u00e0 vay t\u00edn ch\u1ea5p, v\u1edbi nh\u1eefng doanh nghi\u1ec7p \u0111ang c\u00f3 “ti\u1ec1n s\u1eed” v\u1ec1 n\u1ee3 x\u1ea5u.<\/p>\n

Kh\u00f4ng nh\u1eefng th\u1ebf hi\u1ec7n nay, nhu c\u1ea7u \u0111\u1ea7u t\u01b0 m\u1edbi c\u1ee7a doanh nghi\u1ec7p r\u1ea5t \u00edt. Theo c\u00e1c ng\u00e2n h\u00e0ng, nhu c\u1ea7u v\u1ed1n trong m\u00f9a kinh doanh cu\u1ed1i n\u0103m nay kh\u00f4ng t\u0103ng nhi\u1ec1u so v\u1edbi n\u0103m ngo\u00e1i. L\u00fac n\u00e0y, c\u00e1c doanh nghi\u1ec7p ch\u1ee7 y\u1ebfu t\u1eadn d\u1ee5ng ngu\u1ed3n v\u1ed1n t\u1ef1 c\u00f3 v\u00e0 h\u1ea1n ch\u1ebf s\u1eed d\u1ee5ng v\u1ed1n vay \u0111\u1ec3 gi\u1ea3m chi ph\u00ed, v\u00ec v\u1eady nhi\u1ec1u doanh nghi\u1ec7p kh\u00f4ng c\u00f3 \u00fd \u0111\u1ecbnh vay m\u1edbi.<\/p>\n

C\u00e1c doanh nghi\u1ec7p t\u1ed1t hi\u1ec7n kh\u00f4ng c\u00f3 nhu c\u1ea7u vay v\u1ed1n, ch\u1ee7 y\u1ebfu t\u1eadn d\u1ee5ng t\u1ed1i \u0111a ngu\u1ed3n v\u1ed1n t\u1ef1 c\u00f3. Ng\u01b0\u1ee3c l\u1ea1i, v\u1edbi nh\u1eefng kh\u00e1ch h\u00e0ng ch\u1ea5p nh\u1eadn vay l\u00e3i su\u1ea5t cao l\u1ea1i ph\u1ea3i th\u1eadn tr\u1ecdng khi trao v\u1ed1n n\u00ean t\u00edn d\u1ee5ng kh\u00f3 t\u0103ng.<\/p>\n

Ng\u01b0\u1ee3c l\u1ea1i, c\u00f3 doanh nghi\u1ec7p d\u00f9 v\u1eabn ph\u1ea3i vay v\u1ed1n, nh\u01b0ng \u0111\u1ed3ng th\u1eddi c\u0169ng than phi\u1ec1n r\u1eb1ng, l\u00e3i su\u1ea5t theo d\u1ea1ng cho vay t\u00edn ch\u1ea5p c\u00f2n cao. K\u00e8m theo \u0111\u00f3 l\u00e0 nh\u1eefng \u0111i\u1ec1u ki\u1ec7n trong h\u1ee3p \u0111\u1ed3ng t\u00edn d\u1ee5ng v\u1eabn h\u1ebft s\u1ee9c kh\u1eaft khe v\u00e0 ch\u1ec9 b\u1ea3o v\u1ec7 an to\u00e0n b\u00ean cho vay.<\/p>\n

M\u1ed9t s\u1ed1 doanh nghi\u1ec7p cho bi\u1ebft, t\u00f9y thu\u1ed9c v\u00e0o kho\u1ea3n vay v\u00e0 m\u1ee9c \u0111\u1ed9 t\u00edn nhi\u1ec7m m\u00e0 c\u00e1c ng\u00e2n h\u00e0ng \u0111\u1eb7t ra l\u00e3i su\u1ea5t vay t\u00edn ch\u1ea5p. Nh\u01b0ng v\u1edbi doanh nghi\u1ec7p \u0111\u00e3 c\u00f3 n\u1ee3 x\u1ea5u nay ph\u1ea3i vay b\u1eb1ng t\u00edn ch\u1ea5p th\u00ec l\u00e3i su\u1ea5t kh\u00e1 cao. V\u1edbi m\u1ee9c tr\u00ean 20%\/n\u0103m th\u00ec t\u00ednh ra c\u00e1c d\u1ef1 \u00e1n kh\u00f3 \u0111em l\u1ea1i hi\u1ec7u qu\u1ea3, v\u00ec v\u1eady, sau khi t\u00ednh to\u00e1n kh\u00f4ng doanh nghi\u1ec7p n\u00e0o d\u00e1m vay.<\/p>\n

Cho \u0111\u1ebfn nay, ch\u01b0a c\u00f3 th\u1ed1ng k\u00ea c\u1ee5 th\u1ec3 n\u00ean c\u0169ng ch\u01b0a bi\u1ebft r\u00f5 c\u00f3 doanh nghi\u1ec7p n\u00e0o \u0111\u01b0\u1ee3c vay theo ch\u1ec9 th\u1ecb c\u1ee7a c\u00f4ng v\u0103n n\u00eau tr\u00ean hay kh\u00f4ng, nh\u01b0ng v\u1edbi c\u00e1c ph\u00e2n t\u00edch tr\u00ean, c\u00f3 th\u1ec3 th\u1ea5y s\u1ed1 doanh nghi\u1ec7p vay \u0111\u01b0\u1ee3c s\u1ebd r\u1ea5t h\u1ea1n ch\u1ebf v\u00e0 m\u1ee5c ti\u00eau gi\u00fap ng\u00e2n h\u00e0ng \u0111\u1ea9y m\u1ea1nh t\u0103ng tr\u01b0\u1edfng t\u00edn d\u1ee5ng, h\u1ed7 tr\u1ee3 c\u00e1c doanh nghi\u1ec7p c\u00f3 \u0111\u01b0\u1ee3c v\u1ed1n ph\u1ee5c v\u1ee5 s\u1ea3n xu\u1ea5t kinh doanh l\u00e0 kh\u00f4ng nhi\u1ec1u.<\/p>\n

T\u00e1c gi\u1ea3:\u00a0TR\u1ea6N TH\u1ee6Y<\/strong><\/p>\n

————————————-<\/em><\/h2>\n

VEF 20-11-2013 (M\u1ee5c \u0110\u1ea7u t\u01b0 th\u00f4ng minh):<\/em><\/p>\n

http:\/\/vef.vn\/2013-11-19-go-no-cho-vay-moi-dn-mong-ngan-hang-so<\/a><\/em><\/p>\n

(98\/1.193)","protected":false},"excerpt":{"rendered":"

(VEF) – Ng\u00e2n h\u00e0ng Nh\u00e0 n\u01b0\u1edbc v\u1eeba c\u00f3 ch\u1ec9 \u0111\u1ea1o v\u1ec1 gi\u1ea3i ph\u00e1p th\u00e1o g\u1ee1 kh\u00f3 kh\u0103n \u0111\u1ed1i v\u1edbi TCTD v\u00e0 kh\u00e1ch h\u00e0ng li\u00ean quan \u0111\u1ebfn \u0111i\u1ec1u ki\u1ec7n v\u00e0 th\u1ee7 t\u1ee5c t\u00edn d\u1ee5ng. Trong \u0111\u00f3 c\u00f3 vi\u1ec7c th\u00e1o g\u1ee1 c\u00e1c kh\u00f3 kh\u0103n v\u1ec1 n\u1ee3 \u0111\u1ec3 DN ti\u1ebfp t\u1ee5c \u0111\u01b0\u1ee3c vay m\u1edbi. Tuy nhi\u00ean, r\u1ea5t \u00edt […]<\/p>\n","protected":false},"author":1,"featured_media":21461,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":""},"categories":[27,26],"tags":[],"class_list":["post-21460","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-interviews","category-legal-media"],"acf":[],"yoast_head":"\n414. 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