{"id":21639,"date":"2015-05-07T15:49:15","date_gmt":"2015-05-07T08:49:15","guid":{"rendered":"https:\/\/anvilaw.com\/vi\/?p=21639"},"modified":"2022-05-17T15:53:30","modified_gmt":"2022-05-17T08:53:30","slug":"692-cho-ngan-sach-vay-ngoai-hoi-tang-giam-sat-tinh-hieu-qua","status":"publish","type":"post","link":"https:\/\/anvilaw.com\/vi\/692-cho-ngan-sach-vay-ngoai-hoi-tang-giam-sat-tinh-hieu-qua\/","title":{"rendered":"692. Cho ng\u00e2n s\u00e1ch vay ngo\u1ea1i h\u1ed1i: T\u0103ng gi\u00e1m s\u00e1t t\u00ednh hi\u1ec7u qu\u1ea3"},"content":{"rendered":"<strong>(D\u0110DN) &#8211;\u00a0\u00a0L\u1ea7n \u0111\u1ea7u ti\u00ean Th\u1ee7 t\u01b0\u1edbng Ch\u00ednh ph\u1ee7 giao NHNN ch\u1ee7 tr\u00ec, ph\u1ed1i h\u1ee3p v\u1edbi 3 b\u1ed9: B\u1ed9 T\u00e0i ch\u00ednh, B\u1ed9 K\u1ebf ho\u1ea1ch v\u00e0 \u0110\u1ea7u t\u01b0 nghi\u00ean c\u1ee9u, \u0111\u1ec1 xu\u1ea5t c\u01a1 ch\u1ebf cho ng\u00e2n s\u00e1ch vay t\u1eeb ngu\u1ed3n d\u1ef1 tr\u1eef ngo\u1ea1i h\u1ed1i Nh\u00e0 n\u01b0\u1edbc.\u00a0<\/strong><\/p>\n<p><img loading=\"lazy\" decoding=\"async\" class=\"alignnone size-medium wp-image-21640 img-fluid img-fluid\" src=\"https:\/\/anvilaw.com\/wp-content\/uploads\/2022\/05\/692.1-450x337.png\" alt=\"\" width=\"450\" height=\"337\" srcset=\"https:\/\/anvilaw.com\/wp-content\/uploads\/2022\/05\/692.1-450x337.png 450w, https:\/\/anvilaw.com\/wp-content\/uploads\/2022\/05\/692.1-768x576.png 768w, https:\/\/anvilaw.com\/wp-content\/uploads\/2022\/05\/692.1.png 939w\" sizes=\"auto, (max-width: 450px) 100vw, 450px\" \/><\/p>\n<p><em>ANZ \u01b0\u1edbc t\u00ednh d\u1ef1 tr\u1eef ngo\u1ea1i h\u1ed1i c\u1ee7a Vi\u1ec7t Nam v\u00e0o kho\u1ea3ng 3,1 th\u00e1ng nh\u1eadp kh\u1ea9u v\u00e0 kh\u00e1 th\u1ea5p so v\u1edbi m\u1ed9t s\u1ed1 n\u1ec1n kinh t\u1ebfnh\u01b0 Trung Qu\u1ed1c (CH), \u0110\u00e0i Loan (TW), Philippines (PH), Singapore (SI)&#8230;<\/em><\/p>\n<p>M\u1ee5c \u0111\u00edch \u0111\u1ec3 b\u1ed5 sung v\u1ed1n \u0111\u1ea7u t\u01b0 ph\u00e1t tri\u1ec3n, b\u1ea3o \u0111\u1ea3m an to\u00e0n\u00a0<a href=\"http:\/\/dddn.com.vn\/tai-chinh-tien-te.tag\">t\u00e0i ch\u00ednh ti\u1ec1n t\u1ec7\u00a0<\/a>qu\u1ed1c gia. V\u1eady \u1edf nh\u1eefng qu\u1ed1c gia kh\u00e1c d\u1ef1 tr\u1eef ngo\u1ea1i h\u1ed1i \u0111\u01b0\u1ee3c d\u00f9ng v\u00e0o vi\u1ec7c g\u00ec v\u00e0 cho ng\u00e2n s\u00e1ch vay ti\u1ec1n li\u1ec7u c\u00f3 sinh l\u1eddi v\u00e0 c\u1ea7n c\u00f3 c\u01a1 ch\u1ebf g\u00ec ch\u1ed1ng \u0111\u01b0\u1ee3c r\u1ee7i ro?<\/p>\n<p><strong>Kh\u00f4ng v\u00ec d\u1ef1 tr\u1eef ngo\u1ea1i h\u1ed1i VN c\u00f2n \u201cm\u1ecfng\u201d&#8230;<\/strong><\/p>\n<p>Theo Ngh\u1ecb \u0111\u1ecbnh s\u1ed1 50\/2014\/N\u0110-CP c\u1ee7a Ch\u00ednh ph\u1ee7,\u00a0<a href=\"http:\/\/dddn.com.vn\/du-tru-ngoai-hoi.tag\">d\u1ef1 tr\u1eef ngo\u1ea1i h\u1ed1i\u00a0<\/a>Nh\u00e0 n\u01b0\u1edbc l\u00e0 t\u00e0i s\u1ea3n b\u1eb1ng ngo\u1ea1i h\u1ed1i \u0111\u01b0\u1ee3c th\u1ec3 hi\u1ec7n trong b\u1ea3ng c\u00e2n \u0111\u1ed1i ti\u1ec1n t\u1ec7 c\u1ee7a NHNN, bao g\u1ed3m: d\u1ef1 tr\u1eef ngo\u1ea1i h\u1ed1i nh\u00e0 n\u01b0\u1edbc ch\u00ednh th\u1ee9c (l\u00e0 ph\u1ea7n t\u00e0i s\u1ea3n b\u1eb1ng ngo\u1ea1i h\u1ed1i thu\u1ed9c s\u1edf h\u1eefu Nh\u00e0 n\u01b0\u1edbc \u0111\u01b0\u1ee3c Ch\u00ednh ph\u1ee7 giao cho NHNN tr\u1ef1c ti\u1ebfp qu\u1ea3n l\u00fd); ti\u1ec1n g\u1eedi ngo\u1ea1i t\u1ec7 v\u00e0 v\u00e0ng c\u1ee7a c\u00e1c t\u1ed5 ch\u1ee9c t\u00edn d\u1ee5ng, chi nh\u00e1nh ng\u00e2n h\u00e0ng n\u01b0\u1edbc ngo\u00e0i v\u00e0 Kho b\u1ea1c Nh\u00e0 n\u01b0\u1edbc g\u1eedi t\u1ea1i NHNN c\u00e1c ngu\u1ed3n ngo\u1ea1i h\u1ed1i kh\u00e1c.<\/p>\n<p>Theo c\u00e1c chuy\u00ean gia, quy m\u00f4 d\u1ef1 tr\u1eef ngo\u1ea1i h\u1ed1i l\u00e0 m\u1ed9t trong nh\u1eefng ch\u1ec9 s\u1ed1 kinh t\u1ebf quan tr\u1ecdng \u0111\u1ed1i v\u1edbi c\u00e1c n\u1ec1n kinh t\u1ebf, v\u00e0 s\u1ebd \u0111\u1eb7c bi\u1ec7t quan tr\u1ecdng h\u01a1n \u0111\u1ed1i v\u1edbi c\u00e1c n\u1ec1n kinh t\u1ebf \u0111ang ph\u00e1t tri\u1ec3n. N\u1ebfu m\u1ed9t qu\u1ed1c gia c\u00f3 ngu\u1ed3n d\u1ef1 tr\u1eef qu\u00e1 l\u1edbn th\u00ec s\u1ebd l\u00e0m ph\u00e1t sinh chi ph\u00ed cho vi\u1ec7c n\u1eafm gi\u1eef d\u1ef1 tr\u1eef ngo\u1ea1i h\u1ed1i, do l\u1ee3i nhu\u1eadn thu \u0111\u01b0\u1ee3c t\u1eeb \u0111\u1ea7u t\u01b0 d\u1ef1 tr\u1eef ngo\u1ea1i h\u1ed1i th\u01b0\u1eddng th\u1ea5p h\u01a1n chi ph\u00ed \u0111i vay v\u1ed1n n\u01b0\u1edbc ngo\u00e0i. C\u00f2n n\u1ebfu qu\u1ed1c gia c\u00f3 m\u1ed9t l\u01b0\u1ee3ng d\u1ef1 tr\u1eef qu\u00e1 m\u1ecfng s\u1ebd g\u00e2y t\u00e1c \u0111\u1ed9ng ti\u00eau c\u1ef1c t\u1edbi kh\u1ea3 n\u0103ng thanh to\u00e1n c\u0169ng nh\u01b0 an ninh t\u00e0i ch\u00ednh ti\u1ec1n t\u1ec7 c\u1ee7a m\u1ed7i qu\u1ed1c gia.<\/p>\n<p>N\u0103m 2007, ngay sau khi gia nh\u1eadp WTO, d\u1ef1 tr\u1eef ngo\u1ea1i h\u1ed1i c\u1ee7a Vi\u1ec7t Nam \u0111\u00e3 li\u00ean t\u1ee5c t\u0103ng, \u0111\u1ea1t \u0111\u1ec9nh v\u00e0o th\u00e1ng 7 n\u0103m 2008 kho\u1ea3ng 26 t\u1ef7 USD &#8211; m\u1ee9c cao nh\u1ea5t trong l\u1ecbch s\u1eed. Sau \u0111\u00f3, t\u00e1c \u0111\u1ed9ng ti\u00eau c\u1ef1c c\u1ee7a kh\u1ee7ng ho\u1ea3ng t\u00e0i ch\u00ednh to\u00e0n c\u1ea7u c\u0169ng nh\u01b0 c\u00e1c b\u1ea5t \u1ed5n kinh t\u1ebf v\u0129 m\u00f4 trong n\u01b0\u1edbc \u0111\u00e3 khi\u1ebfn cho th\u1ecb tr\u01b0\u1eddng ngo\u1ea1i h\u1ed1i c\u0169ng nh\u01b0 t\u1ef7 gi\u00e1 USD\/VND li\u00ean t\u1ee5c b\u1ecb bi\u1ebfn \u0111\u1ed9ng m\u1ea1nh. \u00d0\u1ec3 b\u00ecnh \u1ed5n th\u1ecb tr\u01b0\u1eddng ngo\u1ea1i h\u1ed1i c\u0169ng nh\u01b0 t\u1ef7 gi\u00e1 USD\/VND, b\u00ean c\u1ea1nh nh\u1eefng bi\u1ec7n ph\u00e1p ch\u00ednh s\u00e1ch ti\u1ec1n t\u1ec7 v\u00e0 h\u00e0nh ch\u00ednh, NHNN \u0111\u00e3 ph\u1ea3i s\u1eed d\u1ee5ng qu\u1ef9 d\u1ef1 tr\u1eef ngo\u1ea1i h\u1ed1i \u0111\u1ec3 can thi\u1ec7p v\u00e0o th\u1ecb tr\u01b0\u1eddng khi\u1ebfn cho qu\u1ef9 d\u1ef1 tr\u1eef ngo\u1ea1i h\u1ed1i gi\u1ea3m xu\u1ed1ng m\u1ee9c \u0111\u00e1y l\u00e0 12,58 t\u1ef7 v\u00e0o th\u00e1ng 1\/2011\u2026<\/p>\n<p>Theo c\u00f4ng b\u1ed1 c\u1ee7a\u00a0<a href=\"http:\/\/dddn.com.vn\/nhnn.tag\">NHNN<\/a>\u00a0m\u1edbi \u0111\u00e2y, d\u1ef1 tr\u1eef ngo\u1ea1i h\u1ed1i qu\u1ed1c gia \u0111\u1ea1t k\u1ef7 l\u1ee5c 35 t\u1ef7 USD v\u00e0 \u0111\u01b0\u1ee3c d\u1ef1 b\u00e1o ti\u1ebfp t\u1ee5c t\u0103ng cao trong n\u0103m nay.\u00a0<em>\u201c\u00d0\u00e2y l\u00e0 ti\u1ec1n \u0111\u1ec1 thu\u1eadn l\u1ee3i \u0111\u1ec3 duy tr\u00ec l\u00f2ng tin v\u1ec1 kh\u1ea3 n\u0103ng \u0111\u1ea3m b\u1ea3o thanh to\u00e1n ngh\u0129a v\u1ee5 n\u1ee3 n\u01b0\u1edbc ngo\u00e0i c\u1ee7a n\u1ec1n kinh t\u1ebf, kh\u1ea3 n\u0103ng h\u1ed7 tr\u1ee3 gi\u00e1 tr\u1ecb c\u1ee7a VND, kh\u1ea3 n\u0103ng \u0111\u1ea3m b\u1ea3o t\u00e0i ch\u00ednh c\u1ee7a qu\u1ed1c gia g\u00f3p ph\u1ea7n thu h\u00fat \u0111\u1ea7u t\u01b0 tr\u1ef1c ti\u1ebfp v\u00e0 \u0111\u1ea7u t\u01b0 gi\u00e1n ti\u1ebfp n\u01b0\u1edbc ngo\u00e0i\u2026\u201d<\/em>\u00a0&#8211; chuy\u00ean gia Nguy\u1ec5n Tr\u00ed Hi\u1ebfu nh\u1eadn \u0111\u1ecbnh.<\/p>\n<p>Tuy nhi\u00ean, theo ng\u00e2n h\u00e0ng ANZ t\u1ea1i Vi\u1ec7t Nam, d\u00f9 d\u1ef1 tr\u1eef ngo\u1ea1i h\u1ed1i li\u00ean t\u1ee5c c\u1ea3i thi\u1ec7n trong 3 n\u0103m g\u1ea7n \u0111\u00e2y nh\u01b0ng m\u1ee9c 35 t\u1ef7 USD v\u1eabn l\u00e0 \u201cm\u1ecfng\u201d n\u1ebfu so v\u1edbi c\u00e1c n\u01b0\u1edbc trong c\u00f9ng khu v\u1ef1c. Th\u1ed1ng k\u00ea c\u1ee7a ng\u00e2n h\u00e0ng ANZ cho th\u1ea5y, d\u1ef1 tr\u1eef ngo\u1ea1i h\u1ed1i c\u1ee7a Vi\u1ec7t Nam hi\u1ec7n c\u00f3 th\u1ec3 ch\u1ecbu \u0111\u1ef1ng \u0111\u01b0\u1ee3c kho\u1ea3ng 3,1 th\u00e1ng nh\u1eadp kh\u1ea9u. Trong khi \u0111\u00f3, n\u1ebfu so s\u00e1nh v\u1edbi c\u00e1c n\u01b0\u1edbc \u1edf khu v\u1ef1c, \u0111\u00e2y l\u00e0 m\u1ee9c th\u1ea5p nh\u1ea5t, ch\u1ec9 b\u1eb1ng m\u1ed9t n\u1eeda c\u1ee7a Indonesia, m\u1ed9t ph\u1ea7n ba c\u1ee7a Singapore v\u00e0 m\u1ed9t ph\u1ea7n t\u00e1m Trung Qu\u1ed1c.<\/p>\n<p><strong>&#8230;m\u00e0 \u0111\u1ec3 l\u00e3ng ph\u00ed t\u00e0i l\u1ef1c<\/strong><\/p>\n<p><em>Theo LS Tr\u01b0\u01a1ng Thanh \u0110\u1ee9c &#8211;\u00a0<\/em><em>Gi\u00e1m \u0111\u1ed1c C\u00f4ng ty Lu\u1eadt TNHH ANVI<\/em><em>, Ch\u1ee7 t\u1ecbch C\u00e2u l\u1ea1c b\u1ed9 ph\u00e1p ch\u1ebf ng\u00e2n h\u00e0ng, tr\u1ecdng t\u00e0i vi\u00ean VIAC: V\u1ec1 nguy\u00ean t\u1eafc, B\u1ed9 T\u00e0i ch\u00ednh qu\u1ea3n l\u00fd ng\u00e2n s\u00e1ch nh\u00e0 n\u01b0\u1edbc. D\u1ef1 tr\u1eef ngo\u1ea1i h\u1ed1i do Ng\u00e2n h\u00e0ng Nh\u00e0 n\u01b0\u1edbc qu\u1ea3n l\u00fd. Hi\u1ec3u \u0111\u01a1n gi\u1ea3n vi\u1ec7c ng\u00e2n s\u00e1ch vay d\u1ef1 tr\u1eef ngo\u1ea1i h\u1ed1i ch\u1ec9 l\u00e0 b\u1ecf t\u1eeb t\u00fai n\u1ecd sang t\u00fai kia. Ho\u1ea1t \u0111\u1ed9ng n\u00e0y tr\u01b0\u1edbc \u0111\u00e2y th\u1ef1c ra c\u0169ng \u0111\u00e3 t\u1eebng \u0111\u01b0\u1ee3c th\u1ef1c hi\u1ec7n. Nh\u01b0ng l\u1ea7n n\u00e0y, vi\u1ec7c vay \u0111\u01b0\u1ee3c Th\u1ee7 t\u01b0\u1edbng ch\u1ec9 \u0111\u1ea1o l\u00e0m m\u1ed9t c\u00e1ch b\u00e0i b\u1ea3n v\u00e0 c\u00f4ng khai minh b\u1ea1ch. \u0110i\u1ec1u n\u00e0y th\u1ec3 hi\u1ec7n s\u1ef1 ti\u1ebfn b\u1ed9 trong ho\u1ea1t \u0111\u1ed9ng \u0111i\u1ec1u h\u00e0nh, qu\u1ea3n tr\u1ecb nh\u00e0 n\u01b0\u1edbc \u0111ang ng\u00e0y c\u00e0ng ph\u00e1t tri\u1ec3n. Ng\u01b0\u1eddi d\u00e2n ng\u00e0y c\u00e0ng \u0111\u01b0\u1ee3c bi\u1ebft, tham gia v\u00e0 gi\u00e1m s\u00e1t nhi\u1ec1u h\u01a1n c\u00e1c ho\u1ea1t \u0111\u1ed9ng c\u1ee7a nh\u00e0 n\u01b0\u1edbc. C\u00f4ng khai minh b\u1ea1ch c\u0169ng t\u1ea1o s\u1ee9c \u00e9p \u0111\u1ed1i v\u1edbi Ch\u00ednh ph\u1ee7 trong k\u1ebf ho\u1ea1ch vay, tr\u1ea3 n\u1ee3. \u0110\u1eb7c bi\u1ec7t, \u0111\u00e2y l\u00e0 nh\u1eefng kho\u1ea3n vay ng\u1eafn h\u1ea1n th\u00ec vi\u1ec7c chi ti\u00eau v\u00e0o \u0111\u00e2u, tr\u1ea3 n\u1ee3 ra sao c\u00e0ng tr\u1edf th\u00e0nh m\u1ed9t y\u00eau c\u1ea7u quan tr\u1ecdng.<\/em><\/p>\n<p>C\u00f2n theo TS \u0110inh Th\u1ebf Hi\u1ec3n &#8211; chuy\u00ean gia kinh t\u1ebf, vi\u1ec7c y\u00eau c\u1ea7u c\u00e1c B\u1ed9 ng\u00e0nh ch\u1ee9c n\u0103ng \u0111\u1ec1 xu\u1ea5t c\u01a1 ch\u1ebf cho vay ng\u00e2n s\u00e1ch t\u1eeb ngu\u1ed3n d\u1ef1 tr\u1eef ngo\u1ea1i h\u1ed1i qu\u1ed1c gia tho\u1ea1t nghe c\u00f3 v\u1ebb s\u1ebd g\u00e2y s\u1ed1c, v\u00ec qu\u1ef9 d\u1ef1 tr\u1eef ngo\u1ea1i h\u1ed1i VN c\u00f2n &#8220;m\u1ecfng&#8221;, v\u00e0 y\u00eau c\u1ea7u quan tr\u1ecdng l\u00e0 c\u1ea7n ph\u1ea3i l\u00e0m d\u00e0y th\u00eam.<\/p>\n<table width=\"180\">\n<tbody>\n<tr>\n<td><strong><em>NHNN c\u1ea7n c\u00f3 c\u01a1 ch\u1ebf khuy\u1ebfn kh\u00edch c\u00e1c ng\u00e2n h\u00e0ng th\u01b0\u01a1ng m\u1ea1i mua \u0111\u1ec3 t\u0103ng ngu\u1ed3n ki\u1ec1u h\u1ed1i thu h\u00fat v\u00e0o ng\u00e2n h\u00e0ng v\u00e0 b\u00e1n cho NHNN.<\/em><\/strong><\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<p>Nh\u01b0ng b\u00ean c\u1ea1nh \u0111\u00f3 c\u0169ng c\u1ea7n c\u00f3 t\u01b0 duy &#8220;tho\u00e1ng&#8221; r\u1eb1ng: B\u1ea3n ch\u1ea5t c\u1ee7a Qu\u1ef9 ngo\u1ea1i h\u1ed1i qu\u1ed1c gia l\u00e0 kh\u00f4ng b\u1ea5t \u0111\u1ed9ng. N\u00f3 c\u00f3 th\u1ec3 bi\u1ebfn \u0111\u1ed9ng d\u00e0y l\u00ean hay m\u1ecfng \u0111i. V\u00e0 vi\u1ec7c \u0111\u1ec3 b\u1ea5t \u0111\u1ed9ng, &#8220;d\u1ef1 tr\u1eef&#8221;, ngo\u00e0i \u00fd ngh\u0129a c\u01a1 b\u1ea3n nh\u01b0 s\u1ef1 \u0111\u1ea3m b\u1ea3o c\u1ea7n thi\u1ebft cho ni\u1ec1m tin \u1ed5n \u0111\u1ecbnh c\u1ee7a \u0111\u1ed3ng n\u1ed9i t\u1ec7, c\u00f2n l\u00e0 s\u1ef1 \u0111\u1ea3m b\u1ea3o cho ni\u1ec1m tin c\u1ee7a \u0111\u1ed1i t\u00e1c l\u00e0m \u0103n c\u00f9ng VN. Song ch\u00ednh v\u00ec kh\u00f4ng &#8220;b\u1ea5t \u0111\u1ed9ng&#8221; v\u00e0 m\u1eb7c d\u00f9 l\u00e0 d\u1ef1 tr\u1eef, n\u00ean v\u1eabn c\u00f3 th\u1ec3 x\u00e2y d\u1ef1ng m\u1ed9t c\u01a1 ch\u1ebf chung, linh hoat, kh\u00f4ng \u0111\u1ec3 &#8220;l\u00e3ng ph\u00ed&#8221; t\u00e0i l\u1ef1c. V\u00ec v\u1eady, n\u00ean x\u00e1c \u0111\u1ecbnh kh\u00f4ng ch\u1ec9 l\u00e0 chuy\u1ec7n &#8220;cho vay ng\u00e2n s\u00e1ch&#8221;, m\u00e0 c\u1ea7n \u0111\u01b0\u1ee3c \u0111\u1eb7t m\u1ed9t t\u1ea7m nh\u00ecn cao h\u01a1n, ph\u1ed5 qu\u00e1t h\u01a1n l\u00e0 \u0110\u1ec1 \u00e1n Qu\u1ea3n l\u00ed Qu\u1ef9 d\u1ef1 tr\u1eef ngo\u1ea1i h\u1ed1i qu\u1ed1c gia &#8211; nh\u01b0 v\u1eady m\u1ecdi chuy\u1ec7n s\u1ebd r\u00f5 r\u00e0ng, trong \u0111\u00f3 cho vay ch\u1ec9 l\u00e0 m\u1ed9t ph\u1ea7n trong \u0111\u1ec1 \u00e1n, vi\u1ec7c cho vay t\u1eeb \u0111\u00f3 c\u0169ng kh\u00f4ng g\u00e2y &#8220;s\u1ed1c&#8221;, n\u1ebfu ch\u00fang ta th\u1ef1c l\u1ef1c v\u00e0 th\u1ef1c c\u00f3 c\u01a1 ch\u1ebf cho vay.<\/p>\n<p>\u00d4ng Hi\u1ec3n cho r\u1eb1ng, c\u00f3 m\u1ed9t s\u1ed1 \u0111i\u1ec3m m\u00e0 c\u01a1 ch\u1ebf cho vay, khi x\u00e2y d\u1ef1ng, c\u1ea7n \u0111\u01b0\u1ee3c quan t\u00e2m \u0111\u1ec3 \u0111\u1ea3m b\u1ea3o tr\u00e1nh chuy\u1ec7n d\u00f9ng &#8220;ti\u1ec1n t\u00fai tr\u00e1i s\u1eed d\u1ee5ng cho t\u00fai ph\u1ea3i&#8221; v\u00e0 kh\u00f4ng hi\u1ec7u qu\u1ea3 cho n\u1ec1n kinh t\u1ebf, c\u0169ng g\u00e2y r\u1ee7i ro cho d\u1ef1 tr\u1eef ngo\u1ea1i h\u1ed1i, l\u00e0:<\/p>\n<p>Th\u1ee9 nh\u1ea5t, x\u00e2y d\u1ef1ng c\u01a1 ch\u1ebf cho vay \u0111\u1ea3m b\u1ea3o theo c\u01a1 ch\u1ebf th\u1ecb tr\u01b0\u1eddng, \u0111\u00e1p \u1ee9ng nguy\u00ean t\u1eafc b\u00f9 tr\u1eeb r\u1ee7i ro, t\u1ee9c ng\u01b0\u1eddi (Ch\u00ednh ph\u1ee7) s\u1eed d\u1ee5ng ngu\u1ed3n d\u1ef1 tr\u1eef qu\u1ed1c gia \u0111\u1ec3 chi cho ng\u00e2n s\u00e1ch ph\u1ea3i c\u00f3 k\u1ebf ho\u1ea1ch \u0111\u1ea3m b\u1ea3o kho\u1ea3n vay g\u1ea7n nh\u01b0 lo\u1ea1i tr\u1eeb r\u00f9i ro, (theo x\u00e1c su\u1ea5t th\u1ea5p nh\u1ea5t), c\u00f3 ngu\u1ed3n thu c\u1ee5 th\u1ec3 r\u00f5 r\u00e0ng, \u1ed5n \u0111\u1ecbnh. Theo \u0111\u00f3, danh m\u1ee5c c\u00e1c \u0111\u1ec1 \u00e1n, m\u1ee5c s\u1eed d\u1ee5ng m\u00e0 ng\u00e2n s\u00e1ch s\u1ebd d\u00f9ng kho\u1ea3n vay n\u1ee3 qu\u1ef9 d\u1ef1 tr\u1eef\u00a0\u00a0\u0111\u1ec3 chi ph\u1ea3i \u0111\u01b0\u1ee3c quy \u0111\u1ecbnh r\u00f5, ph\u1ea3i c\u00f3 ti\u00eau ti\u00eau ch\u00ed \u0111\u00f3 l\u00e0 nh\u1eefng \u0111\u1ec1 \u00e1n, kho\u1ea3n chi ng\u00e2n s\u00e1ch n\u00e0o th\u00ec \u0111\u01b0\u1ee3c d\u00f9ng ngu\u1ed3n v\u1ed1n vay \u0111\u00f3. Quy \u0111\u1ecbnh bao g\u1ed3m h\u1ea1n m\u1ee9c vay, h\u1ea1n m\u1ee9c chi l\u00e0 bao nhi\u00eau, th\u1eddi gian tr\u1ea3 n\u1ee3, m\u1ee9c l\u00e3i (n\u1ebfu c\u00f3)&#8230; N\u00ean x\u00e1c \u0111\u1ecbnh ch\u1ec9 nh\u1eefng d\u1ef1 \u00e1n c\u00f3 gi\u00e1 tr\u1ecb l\u1edbn v\u1edbi n\u1ec1n kinh t\u1ebf, c\u00f3 th\u1ec3 c\u1ea7n v\u1ed1n &#8220;m\u1ed3i&#8221;\/ \u0111\u1ed1i \u1ee9ng tr\u01b0\u1edbc m\u1eaft \u0111\u1ec3 kh\u1edfi \u0111\u1ed9ng&#8230; m\u1edbi \u0111\u01b0\u1ee3c s\u1eed d\u1ee5ng ngu\u1ed3n v\u1ed1n vay t\u1eeb qu\u1ef9 d\u1ef1 tr\u1eef, kh\u00f4ng ph\u1ea3i s\u1eed d\u1ee5ng v\u1ed1n vay t\u1eeb qu\u1ef9 d\u1ef1 tr\u1eef ngo\u1ea1i h\u1ed1i \u0111\u1ec3 tr\u1ea3 n\u1ee3;<\/p>\n<p>Th\u1ee9 hai, c\u01a1 ch\u1ebf cho vay c\u0169ng c\u1ea7n bao g\u1ed3m c\u01a1 ch\u1ebf gi\u00e1m s\u00e1t\u00a0<a href=\"http:\/\/dddn.com.vn\/giai-ngan.tag\">gi\u1ea3i ng\u00e2n<\/a>, s\u1eed d\u1ee5ng kho\u1ea3n vay;<\/p>\n<p>Th\u1ee9 ba, \u0110\u1ec1 \u00e1n qu\u1ea3n l\u00ed Qu\u1ef9 d\u1ef1 tr\u1eef ngo\u1ea1i c\u0169ng c\u1ea7n c\u00f3 quy \u0111\u1ecbnh r\u00f5 \u1edf m\u1ee9c \u0111\u1ed9 n\u00e0o (bao nhi\u00eau tu\u1ea7n\/ th\u00e1ng nh\u1eadp kh\u1ea9u tr\u1edf l\u00ean) th\u00ec c\u01a1 quan qu\u1ea3n l\u00ed c\u00f3 th\u1ec3 \u0111\u1ec1 xu\u1ea5t cho vay m\u1ed9t ph\u1ea7n (v\u00e0 m\u1ed9t ph\u1ea7n l\u00e0 bao nhi\u00eau c\u0169ng c\u1ea7n c\u00f3 nghi\u00ean c\u1ee9u c\u1ee5 th\u1ec3) t\u1eeb qu\u1ef9. N\u00ean l\u01b0u \u00fd \u0111\u00e2y l\u00e0 m\u1ea5u ch\u1ed1t \u0111\u1ec3 tr\u00e1nh l\u1ea1m d\u1ee5ng &#8220;r\u1ed7ng&#8221; qu\u1ef9 d\u1ef1 tr\u1eef ngo\u1ea1i h\u1ed1i v\u00e0 kh\u00f4ng ch\u1ee7 \u0111\u1ed9ng \u0111\u01b0\u1ee3c trong \u0111\u1ea3m b\u1ea3o ch\u00ednh s\u00e1ch ti\u1ec1n t\u1ec7 khi c\u00f3 bi\u1ebfn \u0111\u1ed9ng b\u1ea5t ng\u1edd.<\/p>\n<table width=\"602\">\n<tbody>\n<tr>\n<td width=\"602\"><strong>Th\u00e1ch th\u1ee9c t\u0103ng quy m\u00f4 ngo\u1ea1i h\u1ed1i<\/strong><\/p>\n<p><img loading=\"lazy\" decoding=\"async\" class=\"alignnone size-full wp-image-21641 img-fluid img-fluid\" src=\"https:\/\/anvilaw.com\/wp-content\/uploads\/2022\/05\/692.2.png\" alt=\"\" width=\"156\" height=\"216\" \/><\/p>\n<table width=\"180\">\n<tbody>\n<tr>\n<td><em>B\u00e0\u00a0<\/em><strong>Nguy\u1ec5n Th\u1ecb H\u1ed3ng<\/strong><em>\u00a0<\/em><em>&#8211; Ph\u00f3 Th\u1ed1ng \u0111\u1ed1c NHNN:<\/em><\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<p>\u0110\u1ec3 \u0111\u1ea3m b\u1ea3o an ninh ti\u1ec1n t\u1ec7 v\u00e0 h\u1ed7 tr\u1ee3 cho ng\u00e2n s\u00e1ch qu\u1ed1c gia c\u1ea7n t\u0103ng \u0111\u01b0\u1ee3c quy m\u00f4 c\u1ee7a qu\u1ef9 d\u1ef1 tr\u1eef ngo\u1ea1i h\u1ed1i. \u0110\u00e2y l\u00e0 vi\u1ec7c l\u00e0m r\u1ea5t c\u1ea7n thi\u1ebft nh\u01b0ng c\u0169ng l\u00e0 m\u1ed9t th\u00e1ch th\u1ee9c \u0111\u1ed1i v\u1edbi VN, \u0111\u1eb7c bi\u1ec7t trong b\u1ed1i c\u1ea3nh n\u1ec1n kinh t\u1ebf g\u1eb7p nhi\u1ec1u kh\u00f3 kh\u0103n nh\u01b0 hi\u1ec7n nay. \u00d0\u1ec3 l\u00e0m \u0111\u01b0\u1ee3c \u0111i\u1ec1u n\u00e0y, theo t\u00f4i c\u1ea7n th\u1ef1c hi\u1ec7n \u0111\u1ed3ng b\u1ed9 c\u00e1c gi\u1ea3i ph\u00e1p sau: C\u1ea3i thi\u1ec7n c\u00e1n c\u00e2n th\u01b0\u01a1ng m\u1ea1i v\u00e0 ki\u1ec3m so\u00e1t c\u00e1n c\u00e2n v\u00e3ng lai\u2026 L\u1ea5y xu\u1ea5t nh\u1eadp kh\u1ea9u l\u00e0 th\u01b0\u1edbc \u0111o quan tr\u1ecdng v\u1ec1 m\u1ee9c \u0111\u1ed9 m\u1edf c\u1eeda c\u1ee7a n\u1ec1n kinh t\u1ebf, \u0111\u1ed3ng th\u1eddi \u0111i\u1ec1u n\u00e0y c\u0169ng \u1ea3nh h\u01b0\u1edfng m\u1ea1nh m\u1ebd \u0111\u1ebfn quy m\u00f4 d\u1ef1 tr\u1eef ngo\u1ea1i h\u1ed1i c\u1ee7a qu\u1ed1c gia \u0111\u00f3.<\/p>\n<p>M\u1ed9t qu\u1ed1c gia c\u00f3 c\u00e1n c\u00e2n th\u01b0\u01a1ng m\u1ea1i c\u00e0ng th\u1eb7ng d\u01b0 th\u00ec kh\u1ea3 n\u0103ng t\u00edch lu\u1ef9 ngo\u1ea1i h\u1ed1i c\u00e0ng cao. Hi\u1ec7n NHNN th\u01b0\u1eddng xuy\u00ean ki\u1ec3m so\u00e1t \u0111\u01b0\u1ee3c s\u1ef1 bi\u1ebfn \u0111\u1ed9ng c\u1ee7a c\u00e1n c\u00e2n v\u00e3ng lai l\u00e0m c\u01a1 s\u1edf cho c\u00e1c quy\u1ebft \u0111\u1ecbnh d\u1ef1 tr\u1eef c\u0169ng nh\u01b0 can thi\u1ec7p tr\u00ean th\u1ecb tr\u01b0\u1eddng.<\/p>\n<p>Do v\u1eady, c\u00e1c c\u01a1 quan B\u1ed9, ng\u00e0nh c\u1ea7n x\u00e2y d\u1ef1ng m\u1ed9t c\u01a1 ch\u1ebf \u0111\u1ed3ng b\u1ed9 n\u00e2ng cao ch\u1ea5t l\u01b0\u1ee3ng s\u1ea3n ph\u1ea9m d\u1ecbch v\u1ee5, m\u1edf r\u1ed9ng quan h\u1ec7 th\u01b0\u01a1ng m\u1ea1i v\u1edbi n\u01b0\u1edbc ngo\u00e0i, n\u00e2ng cao uy t\u00edn c\u1ee7a VN tr\u00ean tr\u01b0\u1eddng qu\u1ed1c t\u1ebf \u0111\u1ec3 qua \u0111\u00f3 th\u00fac \u0111\u1ea9y trao \u0111\u1ed5i th\u01b0\u01a1ng m\u1ea1i v\u1edbi c\u00e1c qu\u1ed1c gia. \u0110\u1ed3ng th\u1eddi \u0111\u1ec3 gia t\u0103ng qu\u0129 ngo\u1ea1i h\u1ed1i cho qu\u1ed1c gia, VN c\u1ea7n c\u00f3 nhi\u1ec1u bi\u1ec7n ph\u00e1p thu h\u00fat th\u00eam ngu\u1ed3n v\u1ed1n \u0111\u1ea7u t\u01b0 n\u01b0\u1edbc ngo\u00e0i. Lu\u1ed3ng v\u1ed1n \u0111\u1ea7u t\u01b0 n\u01b0\u1edbc ngo\u00e0i v\u00e0o Vi\u1ec7t Nam th\u1eddi gian qua c\u00f3 s\u1ef1 gia t\u0103ng \u0111\u00e1ng k\u1ec3, c\u00e1c t\u1ed5 ch\u1ee9c n\u01b0\u1edbc ngo\u00e0i \u0111\u00e3 cam k\u1ebft \u0111\u1ea7u t\u01b0 v\u00e0o Vi\u1ec7t Nam v\u1edbi s\u1ed1 ti\u1ec1n ng\u00e0y c\u00e0ng cao, qua \u0111\u00f3 kh\u1eb3ng \u0111\u1ecbnh v\u1ecb th\u1ebf Vi\u1ec7t Nam tr\u00ean tr\u01b0\u1eddng qu\u1ed1c t\u1ebf. Nh\u01b0ng tr\u00ean th\u1ef1c t\u1ebf, s\u1ed1 v\u1ed1n gi\u1ea3i ng\u00e2n tr\u00ean s\u1ed1 v\u1ed1n cam k\u1ebft v\u1eabn \u1edf m\u1ee9c th\u1ea5p, ngu\u1ed3n v\u1ed1n ODA gi\u1ea3i ng\u00e2n h\u00e0ng n\u0103m ch\u1ec9 \u0111\u1ea1t kho\u1ea3ng 50% cam k\u1ebft.<\/p>\n<p>Do \u0111\u00f3, trong th\u1eddi gian t\u1edbi, ch\u00fang ta c\u1ea7n ti\u1ebfp t\u1ee5c c\u1ea3i thi\u1ec7n m\u00f4i tr\u01b0\u1eddng \u0111\u1ea7u t\u01b0, h\u00e0nh lang ph\u00e1p l\u00fd ti\u1ebfp t\u1ee5c thu h\u00fat th\u00eam c\u00e1c ngu\u1ed3n v\u1ed1n v\u00e0o VN, g\u00f3p ph\u1ea7n m\u1edf r\u1ed9ng quy m\u00f4 d\u1ef1 tr\u1eef ngo\u1ea1i h\u1ed1i.<\/p>\n<p><strong>Gi\u00e1m s\u00e1t t\u00ednh hi\u1ec7u qu\u1ea3 c\u1ee7a c\u00e1c kho\u1ea3n vay<\/strong><\/p>\n<table width=\"180\">\n<tbody>\n<tr>\n<td><img loading=\"lazy\" decoding=\"async\" class=\"alignnone size-full wp-image-21642 img-fluid img-fluid\" src=\"https:\/\/anvilaw.com\/wp-content\/uploads\/2022\/05\/692.3.png\" alt=\"\" width=\"156\" height=\"222\" \/><\/p>\n<p><em>TS\u00a0<\/em><strong>Cao S\u1ef9 Ki\u00eam<\/strong><em>\u00a0<\/em><em>&#8211; \u0110\u1ea1i bi\u1ec3u Qu\u1ed1c h\u1ed9i t\u1ec9nh Th\u00e1i B\u00ecnh, Nguy\u00ean th\u1ed1ng \u0111\u1ed1c NHNN:<\/em><\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<p>Vi\u1ec7c ng\u00e2n s\u00e1ch nh\u00e0 n\u01b0\u1edbc vay d\u1ef1 tr\u1eef ngo\u1ea1i h\u1ed1i c\u00f3 th\u1ec3 \u0111\u01b0\u1ee3c cho l\u00e0 ph\u00f9 h\u1ee3p v\u1edbi Lu\u1eadt Ng\u00e2n s\u00e1ch trong m\u1ed9t s\u1ed1 tr\u01b0\u1eddng h\u1ee3p nh\u01b0ng ph\u1ea3i th\u1ef1c hi\u1ec7n m\u1ed9t c\u00e1ch ch\u1eb7t ch\u1ebd. B\u1edfi v\u00ec theo Lu\u1eadt Ng\u00e2n s\u00e1ch, khi c\u00f3 l\u00fd do ch\u00ednh \u0111\u00e1ng \u0111\u00e1p \u1ee9ng y\u00eau c\u1ea7u \u0111\u1ed9t su\u1ea5t th\u00ec ng\u00e2n s\u00e1ch nh\u00e0 n\u01b0\u1edbc c\u00f3 th\u1ec3 \u0111\u01b0\u1ee3c vay t\u1eeb d\u1ef1 tr\u1eef ngo\u1ea1i h\u1ed1i. Trong tr\u01b0\u1eddng h\u1ee3p n\u00e0y l\u00fd do gi\u1ea3m thu t\u1eeb xu\u1ea5t kh\u1ea9u d\u1ea7u th\u00f4 30% \u0111\u01b0\u1ee3c cho l\u00e0 b\u1ea5t kh\u1ea3 kh\u00e1ng. Ngo\u00e0i ra, l\u00fd do gi\u1ea3m thu thu\u1ebf v\u00ec c\u00e1c hi\u1ec7p \u0111\u1ecbnh th\u01b0\u01a1ng m\u1ea1i t\u1ef1 do s\u1eafp c\u00f3 hi\u1ec7u l\u1ef1c c\u0169ng \u0111\u01b0\u1ee3c cho l\u00e0 ch\u00ednh \u0111\u00e1ng.<\/p>\n<p>Tuy nhi\u00ean, vi\u1ec7c vay n\u00e0y ph\u1ea3i \u0111\u01b0\u1ee3c Ch\u00ednh ph\u1ee7 gi\u1ea3i tr\u00ecnh v\u00e0 \u1ea5n \u0111\u1ecbnh th\u1eddi gian tr\u1ea3 \u0111\u1ea7y \u0111\u1ee7 trong n\u0103m ng\u00e2n s\u00e1ch. Th\u1eddi h\u1ea1n t\u1ed1i \u0111a c\u1ee7a kho\u1ea3n vay tr\u00ean l\u00e0 12 th\u00e1ng. \u0110\u00e2y th\u1ef1c t\u1ebf ch\u1ec9 l\u00e0 nh\u1eefng kho\u1ea3n vay ng\u1eafn h\u1ea1n, do \u0111\u00f3 t\u1ea5t c\u1ea3 c\u00e1c \u0111i\u1ec1u ki\u1ec7n ph\u1ea3i ch\u1eb7t ch\u1ebd. T\u00f4i \u0111\u1ed3ng t\u00ecnh v\u1edbi ho\u1ea1t \u0111\u1ed9ng n\u00e0y c\u1ee7a Ch\u00ednh ph\u1ee7. Nh\u01b0ng t\u00f4i c\u0169ng \u0111\u1ec1 ngh\u1ecb Ch\u00ednh ph\u1ee7 gi\u1ea3i tr\u00ecnh xem kho\u1ea3n vay \u0111\u00f3 \u0111\u01b0\u1ee3c s\u1eed d\u1ee5ng v\u00e0o vi\u1ec7c g\u00ec. Qua \u0111\u00f3, Qu\u1ed1c h\u1ed9i c\u0169ng nh\u01b0 nh\u00e2n d\u00e2n c\u00f3 th\u1ec3 gi\u00e1m s\u00e1t t\u00ednh hi\u1ec7u qu\u1ea3 c\u1ee7a c\u00e1c kho\u1ea3n vay.<\/p>\n<p><strong>C\u1ea7n \u0111a d\u1ea1ng h\u00f3a c\u01a1 c\u1ea5u ngo\u1ea1i t\u1ec7<\/strong><\/p>\n<table width=\"180\">\n<tbody>\n<tr>\n<td><img loading=\"lazy\" decoding=\"async\" class=\"alignnone size-full wp-image-21643 img-fluid img-fluid\" src=\"https:\/\/anvilaw.com\/wp-content\/uploads\/2022\/05\/692.4.png\" alt=\"\" width=\"156\" height=\"239\" \/><\/p>\n<p><em>\u00d4ng\u00a0<\/em><strong>C\u1ea5n V\u0103n L\u1ef1c<\/strong><em>\u00a0<\/em><em>&#8211; Th\u00e0nh vi\u00ean H\u0110QT Ng\u00e2n h\u00e0ng BIDV:<\/em><\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<p>Tr\u01b0\u1edbc khi cho ng\u00e2n s\u00e1ch qu\u1ed1c gia vay ti\u1ec1n c\u1ea7n \u0111a d\u1ea1ng h\u00f3a c\u01a1 c\u1ea5u ngo\u1ea1i t\u1ec7 trong thanh to\u00e1n v\u00e0 d\u1ef1 tr\u1eef ngo\u1ea1i h\u1ed1i \u0111\u1ec3 g\u00f3p ph\u1ea7n gi\u1ea3m thi\u1ec3u nh\u1eefng t\u1ed5n th\u1ea5t v\u00e0 r\u1ee7i ro cho c\u00e1c DN n\u00f3i ri\u00eang v\u00e0 b\u1ea3o \u0111\u1ea3m an ninh t\u00e0i ch\u00ednh ti\u1ec1n t\u1ec7. Vi\u1ec7c \u0111a d\u1ea1ng h\u00f3a ti\u1ec1n t\u1ec7 trong thanh to\u00e1n v\u00e0 d\u1ef1 tr\u1eef qu\u1ed1c t\u1ebf c\u0169ng gi\u00fap cho n\u1ec1n kinh t\u1ebf, v\u00e0 ch\u00ednh s\u00e1ch ti\u1ec1n t\u1ec7 \u0111\u1ed9c l\u1eadp h\u01a1n. Tuy nhi\u00ean, c\u0169ng ph\u1ea3i l\u01b0u \u00fd r\u1eb1ng, kh\u00f4ng ph\u1ea3i d\u1ef1 tr\u1eef c\u00e0ng nhi\u1ec1u ngo\u1ea1i h\u1ed1i c\u00e0ng t\u1ed1t. Vi\u1ec7c t\u00edch lu\u1ef9 qu\u00e1 nhi\u1ec1u ngo\u1ea1i h\u1ed1i c\u00f3 th\u1ec3 l\u00e0m ph\u00e1t sinh th\u00eam nhi\u1ec1u lo\u1ea1i chi ph\u00ed. M\u1eb7c d\u00f9 thi\u1ec7t h\u1ea1i t\u1eeb vi\u1ec7c m\u1edf r\u1ed9ng d\u1ef1 tr\u1eef ngo\u1ea1i h\u1ed1i c\u1ee7a VN l\u00e0 ch\u01b0a th\u1ec3 hi\u1ec7n, nh\u01b0ng NHNN VN c\u1ea7n ph\u1ea3i c\u00f3 t\u00ednh to\u00e1n c\u1ee5 th\u1ec3 \u0111\u1ec3 x\u00e1c \u0111\u1ecbnh kh\u1ed1i l\u01b0\u1ee3ng d\u1ef1 tr\u1eef ngo\u1ea1i h\u1ed1i v\u1eeba \u0111\u1ea3m b\u1ea3o \u0111\u1ee7 l\u1edbn, an to\u00e0n, v\u1eeba t\u1ea1o hi\u1ec7u qu\u1ea3 cao cho n\u1ec1n kinh t\u1ebf. B\u00ean c\u1ea1nh \u0111\u00f3, c\u01a1 ch\u1ebf \u0111i\u1ec1u h\u00e0nh t\u1ef7 gi\u00e1 c\u0169ng c\u1ea7n linh ho\u1ea1t h\u01a1n \u0111\u1ec3 \u0111i\u1ec1u chuy\u1ec3n qu\u0129 b\u00ecnh \u1ed5n t\u1ef7 gi\u00e1 v\u00e0 gi\u00e1 v\u00e0ng sang qu\u0129 d\u1ef1 tr\u1eef ngo\u1ea1i h\u1ed1i, \u0111\u00e1p \u1ee9ng nhu c\u1ea7u thanh to\u00e1n v\u00e0 tr\u1ea3 n\u1ee3. \u00d0\u1ed3ng th\u1eddi NHNN c\u1ea7n c\u00f4ng b\u1ed1 c\u00f4ng khai c\u00e1c s\u1ed1 li\u1ec7u c\u1ee5 th\u1ec3 v\u1ec1 d\u1ef1 tr\u1eef ngo\u1ea1i h\u1ed1i, c\u01a1 c\u1ea5u d\u1ef1 tr\u1eef ngo\u1ea1i h\u1ed1i tr\u00ean c\u00e1c ph\u01b0\u01a1ng ti\u1ec7n th\u00f4ng tin (cung c\u1ea5p cho IMF) \u0111\u1ec3 c\u00e1c nh\u00e0 nghi\u00ean c\u1ee9u, c\u00e1c nh\u00e0 \u0111\u1ea7u t\u01b0 n\u01b0\u1edbc ngo\u00e0i v\u00e0 nh\u00e2n d\u00e2n c\u00f3 th\u00f4ng tin ch\u00ednh x\u00e1c v\u1ec1 d\u1ef1 tr\u1eef ngo\u1ea1i h\u1ed1i c\u1ee7a VN\u2026<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<p>&nbsp;<\/p>\n<p><strong>M\u1ef9 B\u00e1 Ph\u01b0\u01a1ng<\/strong><\/p>\n<p><em>\u2014\u2014\u2014\u2013<\/em><\/p>\n<p><strong><em>Di\u1ec5n \u0111\u00e0n Doanh nghi\u1ec7p (T\u00e0i ch\u00ednh \u2013 Ng\u00e2n h\u00e0ng) 07-5-2015:<\/em><\/strong><\/p>\n<p><a href=\"http:\/\/dddn.com.vn\/tai-chinh-ngan-hang\/cho-ngan-sach-vay-ngoai-hoi-tang-giam-sat-tinh-hieu-qua-20150506093115600.htm\"><em>http:\/\/dddn.com.vn\/tai-chinh-ngan-hang\/cho-ngan-sach-vay-ngoai-hoi-tang-giam-sat-tinh-hieu-qua-20150506093115600.htm<\/em><\/a><\/p>\n<p><em>(185\/2.451)<\/em>","protected":false},"excerpt":{"rendered":"<p>(D\u0110DN) &#8211;\u00a0\u00a0L\u1ea7n \u0111\u1ea7u ti\u00ean Th\u1ee7 t\u01b0\u1edbng Ch\u00ednh ph\u1ee7 giao NHNN ch\u1ee7 tr\u00ec, ph\u1ed1i h\u1ee3p v\u1edbi 3 b\u1ed9: B\u1ed9 T\u00e0i ch\u00ednh, B\u1ed9 K\u1ebf ho\u1ea1ch v\u00e0 \u0110\u1ea7u t\u01b0 nghi\u00ean c\u1ee9u, \u0111\u1ec1 xu\u1ea5t c\u01a1 ch\u1ebf cho ng\u00e2n s\u00e1ch vay t\u1eeb ngu\u1ed3n d\u1ef1 tr\u1eef ngo\u1ea1i h\u1ed1i Nh\u00e0 n\u01b0\u1edbc.\u00a0 ANZ \u01b0\u1edbc t\u00ednh d\u1ef1 tr\u1eef ngo\u1ea1i h\u1ed1i c\u1ee7a Vi\u1ec7t Nam v\u00e0o [&hellip;]<\/p>\n","protected":false},"author":3,"featured_media":21643,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":""},"categories":[27,26],"tags":[],"class_list":["post-21639","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-interviews","category-legal-media"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.3 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>692. Cho ng\u00e2n s\u00e1ch vay ngo\u1ea1i h\u1ed1i: T\u0103ng gi\u00e1m s\u00e1t t\u00ednh hi\u1ec7u qu\u1ea3 - 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\/692-cho-ngan-sach-vay-ngoai-hoi-tang-giam-sat-tinh-hieu-qua\/\" \/>\n<meta property=\"og:locale\" content=\"vi_VN\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"[:vi]692. 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