{"id":21734,"date":"2012-04-18T06:10:54","date_gmt":"2012-04-17T23:10:54","guid":{"rendered":"https:\/\/anvilaw.com\/vi\/?p=21734"},"modified":"2022-05-21T18:10:56","modified_gmt":"2022-05-21T11:10:56","slug":"163-chuyen-lam-an-uong-buong-cua-lai-suat","status":"publish","type":"post","link":"https:\/\/anvilaw.com\/vi\/163-chuyen-lam-an-uong-buong-cua-lai-suat\/","title":{"rendered":"163. Chuy\u1ec7n l\u00e0m \u0103n: \u201c\u01b0\u01a1ng b\u01b0\u1edbng\u201c c\u1ee7a l\u00e3i su\u1ea5t?"},"content":{"rendered":"(PLVN) – L\u1ea7n th\u1ee9 hai trong v\u00f2ng ch\u01b0a \u0111\u1ea7y m\u1ed9t th\u00e1ng, Ng\u00e2n h\u00e0ng Nh\u00e0 n\u01b0\u1edbc (NHNN) h\u1ea1 tr\u1ea7n l\u00e3i su\u1ea5t (LS) huy \u0111\u1ed9ng v\u00e0 theo Th\u1ed1ng \u0111\u1ed1c Nguy\u1ec5n V\u0103n B\u00ecnh, t\u00ecnh h\u00ecnh thanh kho\u1ea3n c\u1ee7a c\u00e1c ng\u00e2n h\u00e0ng (NH) \u0111\u00e3 \u0111\u01b0\u1ee3c c\u1ea3i thi\u1ec7n. Tuy nhi\u00ean, th\u00f4ng tin n\u00e0y d\u01b0\u1eddng\u00a0 nh\u01b0 kh\u00f4ng c\u00f3 \u00fd ngh\u0129a nhi\u1ec1u \u0111\u1ed1i v\u1edbi c\u00e1c doanh nghi\u1ec7p (DN) b\u1ea5t ch\u1ea5p nh\u1eefng c\u00f4ng b\u1ed1 h\u1ea1 LS cho vay v\u1edbi nh\u1eefng g\u00f3i t\u00edn d\u1ee5ng \u01b0u \u0111\u00e3i c\u1ee7a r\u1ea5t nhi\u1ec1u NH. Lu\u1eadt s\u01b0 Tr\u01b0\u01a1ng Thanh \u0110\u1ee9c – chuy\u00ean gia NH trao \u0111\u1ed5i xung quanh v\u1ea5n \u0111\u1ec1 n\u00e0y.<\/p>\n\n\n\n\n
\"\"<\/td>\n<\/tr>\n
Lu\u1eadt s\u01b0 Tr\u01b0\u01a1ng Thanh \u0110\u1ee9c.<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n

C\u00f3 r\u1ea5t nhi\u1ec1u l\u00fd do m\u00e0 DN v\u1eabn ch\u01b0a ti\u1ebfp c\u1eadn \u0111\u01b0\u1ee3c v\u1ed1n v\u1edbi LS th\u1ea5p c\u1ee7a NH, trong khi LS huy \u0111\u1ed9ng \u0111\u00e3 h\u1ea1. Vi\u1ec7c h\u1ea1 LS \u0111\u1ea7u v\u00e0o m\u00e0 kh\u00f4ng kh\u1ed1ng ch\u1ebf LS \u0111\u1ea7u ra nh\u01b0 v\u1eady, c\u00f3 nhi\u1ec1u \u00fd ki\u1ebfn cho r\u1eb1ng ch\u1ec9 NH \u0111\u01b0\u1ee3c l\u1ee3i. \u00dd ki\u1ebfn c\u1ee7a \u00f4ng nh\u01b0 th\u1ebf n\u00e0o? <\/em><\/p>\n

– \u0110\u00f3 ch\u1ec9 l\u00e0 ph\u1ea7n n\u1ed5i m\u00e0 ai c\u0169ng nh\u00ecn th\u1ea5y. \u0110\u00f3 l\u00e0 NH huy \u0111\u1ed9ng 12%\/n\u0103m, trong khi cho vay ra 18- 20%\/n\u0103m, th\u1eadm ch\u00ed c\u00f2n cao h\u01a1n n\u1eefa. Th\u00f4ng th\u01b0\u1eddng ch\u00eanh l\u1ec7ch LS huy \u0111\u1ed9ng v\u00e0 cho vay t\u1eeb 3% tr\u1edf l\u00ean l\u00e0 NH c\u00f3 l\u00e3i. V\u1eady th\u00ec v\u1edbi ch\u00eanh l\u1ec7ch LS t\u1eeb 6-8%, NH l\u00e3i to. Nh\u01b0ng th\u1ef1c ra kh\u00f4ng \u0111\u01a1n gi\u1ea3n nh\u01b0 v\u1eady.\u00a0 LS \u0111\u1ea7u v\u00e0o c\u1ee7a nhi\u1ec1u NH \u0111ang cao h\u01a1n, nh\u1ea5t l\u00e0 nh\u1eefng kho\u1ea3n huy \u0111\u1ed9ng tr\u01b0\u1edbc \u0111\u00e2y. C\u1ed9ng v\u1edbi b\u1ed1i c\u1ea3nh hi\u1ec7n nay th\u00ec kh\u00f4ng c\u00f2n l\u00e0 \u201cth\u00f4ng th\u01b0\u1eddng n\u1eefa\u201d, v\u00ec n\u1ee3 x\u1ea5u c\u1ee7a NH cao, trong khi kh\u1ea3 n\u0103ng vay v\u1ed1n, tr\u1ea3 n\u1ee3 c\u1ee7a c\u00e1c\u00a0 DN l\u1ea1i r\u1ea5t th\u1ea5p, t\u1ee9c l\u00e0 r\u1ee7i ro r\u1ea5t l\u1edbn. Ri\u00eang v\u1ec1 LS, n\u1ebfu DN ch\u1ec9 lo m\u1ed9t, th\u00ec NH \u0111ang ph\u1ea3i lo hai, l\u00e0m sao huy \u0111\u1ed9ng \u0111\u01b0\u1ee3c gi\u00e1 th\u1ea5p v\u00e0 l\u00e0m th\u1ebf n\u00e0o \u0111\u1ec3 ch\u1ea5p nh\u1eadn cho vay kh\u00f4ng qu\u00e1 cao tr\u01b0\u1edbc r\u1ee7i ro r\u00ecnh r\u1eadp.<\/p>\n

\u00dd \u00f4ng n\u00f3i c\u00e1c NH v\u1eabn ph\u1ea3i th\u1ecfa thu\u1eadn LS huy \u0111\u1ed9ng?<\/em><\/p>\n

\u0110\u00f3 l\u00e0 m\u1ed9t th\u1ef1c t\u1ebf m\u00e0 b\u00e1o ch\u00ed v\u00e0 c\u00e1c chuy\u00ean gia c\u0169ng \u0111\u00e3 ph\u00e1t bi\u1ec3u kh\u00e1 nhi\u1ec1u. NHNN kh\u00f4ng d\u1ec5 ph\u00e1t hi\u1ec7n ra, b\u1edfi tr\u00ean gi\u1ea5y t\u1edd, s\u1ed5 s\u00e1ch r\u1ea5t \u201cs\u1ea1ch s\u1ebd\u201d. V\u00e0 \u0111\u1eb7c bi\u1ec7t l\u00e0 c\u00e1i l\u00fd, \u0111\u1ec3 t\u1ef1 c\u1ee9u v\u00e0 c\u1ef1c ch\u1eb3ng \u0111\u00e3 tr\u01b0\u1edbc c\u00e1i th\u1ebf \u201ctho\u1ea3 thu\u1eadn l\u00e0 t\u1ea1i th\u1ecb tr\u01b0\u1eddng, c\u1ea3 l\u00e0ng l\u00e0m th\u1ebf ch\u1ee9 m\u00ecnh t\u00f4i \u0111\u00e2u\u201d!<\/p>\n

V\u00e2ng! D\u01b0\u1eddng nh\u01b0 c\u00e1c NH \u0111\u00e3 c\u00f3 kinh nghi\u1ec7m h\u01a1n trong vi\u1ec7c n\u00e0y v\u00e0 ch\u1ec9 kh\u00e1ch h\u00e0ng quen m\u1edbi th\u1ecfa thu\u1eadn LS?<\/em><\/p>\n

\u0110\u00fang nh\u01b0 v\u1eady. Kh\u00f4ng qu\u00e1 nhi\u1ec1u v\u1ec1 kh\u00e1ch h\u00e0ng, ch\u1ec9 l\u00e0 kh\u00e1ch quen v\u00e0 c\u00f3 s\u1ed1 ti\u1ec1n g\u1eedi l\u1edbn. 20% s\u1ed1 kh\u00e1ch h\u00e0ng l\u1edbn th\u01b0\u1eddng chi\u1ebfm kho\u1ea3ng 80% s\u1ed1 v\u1ed1n huy \u0111\u1ed9ng (g\u1eedi t\u1eeb ti\u1ec1n t\u1ef7 tr\u1edf l\u00ean), c\u00f2n 80% kh\u00e1ch h\u00e0ng g\u1eedi ti\u1ec1n c\u00f2n l\u1ea1i ch\u1ec9 chi\u1ebfm kho\u1ea3ng 20% s\u1ed1 ti\u1ec1n g\u1eedi.<\/p>\n

Hai l\u1ea7n h\u1ea1 LS Th\u1ed1ng \u0111\u1ed1c NHNN Nguy\u1ec5n V\u0103n B\u00ecnh \u0111\u1ec1u n\u00f3i r\u1eb1ng t\u00ecnh h\u00ecnh thanh kho\u1ea3n c\u1ee7a c\u00e1c NH \u0111\u00e3 \u0111\u01b0\u1ee3c c\u1ea3i thi\u1ec7n nhi\u1ec1u. \u00d4ng l\u00fd gi\u1ea3i th\u1ebf n\u00e0o v\u1ec1 \u00fd ki\u1ebfn n\u00e0y?<\/em><\/p>\n

M\u1ed9t ngh\u1ecbch l\u00fd \u0111ang x\u1ea3y ra th\u1eadt kh\u00f3 c\u00f3 c\u00e2u tr\u1ea3 l\u1eddi ch\u00ednh x\u00e1c, tr\u01b0\u1edbc b\u1ed1i c\u1ea3nh c\u00f3 r\u1ea5t nhi\u1ec1u c\u01a1 s\u1edf thuy\u1ebft ph\u1ee5c \u0111\u1ec3 h\u1ea1 LS huy \u0111\u1ed9ng, nh\u01b0ng th\u1ef1c t\u1ebf th\u00ec LS v\u1eabn \u0111ang r\u1ea5t cao tr\u00ean th\u1ecb tr\u01b0\u1eddng. L\u00fd do \u0111\u1ec3 LS gi\u1ea3m l\u00e0: Thanh kho\u1ea3n \u0111\u00e3 t\u1ed1t l\u00ean r\u1ea5t nhi\u1ec1u, ch\u1ec9 c\u00f2n s\u1ed1 \u00edt NH g\u1eb7p kh\u00f3 kh\u0103n v\u00e0 ch\u1ec9 chi\u1ebfm t\u1ef7 tr\u1ecdng nh\u1ecf so v\u1edbi c\u1ea3 h\u1ec7 th\u1ed1ng. D\u01b0 n\u1ee3 cho vay ra m\u1ea5y th\u00e1ng nay kh\u00f4ng h\u1ec1 t\u0103ng (th\u1eadm ch\u00ed c\u00f2n gi\u1ea3m).<\/p>\n

Nhi\u1ec1u NH th\u1eeba ti\u1ec1n (b\u1eb1ng ch\u1ee9ng l\u00e0 LS tr\u00ean th\u1ecb tr\u01b0\u1eddng li\u00ean NH g\u1ea7n \u0111\u00e2y th\u1ea5p h\u01a1n nhi\u1ec1u so v\u1edbi tr\u1ea7n LS huy \u0111\u1ed9ng). Ch\u1ec9 s\u1ed1 l\u1ea1m ph\u00e1t gi\u1ea3m m\u1ea1nh trong g\u1ea7n n\u1eeda n\u0103m nay v\u00e0 \u0111\u1eb7c bi\u1ec7t l\u00e0 ch\u00ednh c\u00e1c NH c\u0169ng r\u1ea5t lo ng\u1ea1i v\u1edbi LS \u0111\u1ea7u v\u00e0o cao d\u1eabn \u0111\u1ebfn ph\u1ea3i cho vay cao, th\u00ec s\u1ebd kh\u00f4ng cho vay \u0111\u01b0\u1ee3c, \u0111\u1ed3ng th\u1eddi s\u1ebd ph\u1ea3i g\u00e1nh ch\u1ecbu r\u1ee7i ro c\u0169ng r\u1ea5t l\u1edbn. R\u1ed3i Ch\u00ednh ph\u1ee7 v\u00e0 ng\u00e0nh NH \u0111ang quy\u1ebft t\u00e2m tri\u1ec3n khai nhi\u1ec1u gi\u1ea3i ph\u00e1p \u0111\u1ec3 gi\u1ea3m LS. Th\u1ebf nh\u01b0ng LS v\u1eabn cao, ho\u00e0n to\u00e0n ngo\u00e0i mong mu\u1ed1n c\u1ee7a c\u00e1c NH. Ph\u1ea3i ch\u0103ng \u0111\u00f3 l\u00e0 s\u1ef1 \u201c\u01b0\u01a1ng b\u01b0\u1edbng\u201d kh\u00f3 tr\u1ecb c\u1ee7a th\u1ecb tr\u01b0\u1eddng?.<\/p>\n

C\u00f3 \u00fd ki\u1ebfn cho r\u1eb1ng, thay v\u00ec kh\u1ed1ng ch\u1ebf LS huy \u0111\u1ed9ng, NHNN ch\u1ec9 c\u1ea7n kh\u1ed1ng ch\u1ebf LS cho vay. \u00dd \u00f4ng nh\u01b0 th\u1ebf n\u00e0o?<\/em><\/p>\n

Kh\u1ed1ng ch\u1ebf LS cho vay c\u0169ng kh\u00f4ng gi\u1ea3i quy\u1ebft \u0111\u01b0\u1ee3c vi\u1ec7c g\u00ec. Vi\u1ec7c n\u00e0y c\u0169ng \u0111\u00e3 t\u1eebng l\u00e0m v\u00e0 c\u0169ng \u0111\u00e3 th\u1ea5t b\u1ea1i. LS NH l\u00e2u nay ho\u00e0n to\u00e0n c\u1ea1nh tranh, theo s\u00e1t v\u00e0 ph\u1ea3n \u00e1nh ch\u00ednh x\u00e1c, kh\u00e1ch quan cung – c\u1ea7u th\u1ecb tr\u01b0\u1eddng. Mong mu\u1ed1n h\u1ea1 LS l\u00e0 ch\u00ednh \u0111\u00e1ng v\u00e0 c\u1ea5p b\u00e1ch, tuy nhi\u00ean \u0111\u00f3 l\u00e0 th\u1ecb tr\u01b0\u1eddng, th\u00ec ph\u1ea3i \u0111i\u1ec1u khi\u1ec3n \u0111\u01b0\u1ee3c th\u1ecb tr\u01b0\u1eddng, ch\u1ee9 kh\u00f4ng ph\u1ea3i c\u1ee9 mu\u1ed1n l\u00e0 \u0111\u01b0\u1ee3c. \u0110\u1eb7t ra tr\u1ea7n ch\u1ec9 l\u00e0 gi\u1ea3i ph\u00e1p t\u00ecnh th\u1ebf, b\u1ea5t \u0111\u1eafc d\u0129 v\u00e0 \u0111\u01b0\u01a1ng nhi\u00ean s\u1ebd l\u00e0m m\u00e9o m\u00f3 th\u1ecb tr\u01b0\u1eddng.<\/p>\n

C\u1ee9 h\u00ecnh dung LS c\u0169ng t\u01b0\u01a1ng t\u1ef1 nh\u01b0 gi\u00e1 g\u1ea1o, n\u1ebfu kh\u1ed1ng ch\u1ebf gi\u00e1 g\u1ea1o kh\u00f4ng \u0111\u01b0\u1ee3c qu\u00e1 10.000 \u0111\/kg, m\u00e0 gi\u00e1 th\u1eadt c\u1ee7a n\u00f3 l\u00e0 20.000 \u0111\/kg th\u00ec \u0111i\u1ec1u g\u00ec s\u1ebd x\u1ea3y ra? Kh\u1ed1ng ch\u1ebf tr\u1ea7n LS cho vay th\u1ea5p h\u01a1n gi\u00e1 th\u1eadt, th\u00ec NH c\u0169ng s\u1ebd kh\u00f4ng cho vay v\u00ec l\u1ed7, DN ho\u1eb7c s\u1ebd kh\u00f4ng vay \u0111\u01b0\u1ee3c, ho\u1eb7c l\u1ea1i ph\u1ea3i ch\u1ea5p nh\u1eadn \u201cb\u00f9 gi\u00e1\u201d, c\u1ea7u c\u1ea1nh ng\u01b0\u1eddi b\u00e1n,…<\/p>\n

Thanh Thanh (th\u1ef1c hi\u1ec7n)<\/strong><\/p>\n

———————-<\/p>\n

Ph\u00e1p lu\u1eadt Vi\u1ec7t Nam 18-4-2012:<\/em><\/strong><\/p>\n

http:\/\/phapluatvn.vn\/doanh-nhan\/chuyenlaman\/201204\/Su-uong-buong-cua-lai-suat-2065969\/<\/a><\/em><\/p>\n

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

(PLVN) – L\u1ea7n th\u1ee9 hai trong v\u00f2ng ch\u01b0a \u0111\u1ea7y m\u1ed9t th\u00e1ng, Ng\u00e2n h\u00e0ng Nh\u00e0 n\u01b0\u1edbc (NHNN) h\u1ea1 tr\u1ea7n l\u00e3i su\u1ea5t (LS) huy \u0111\u1ed9ng v\u00e0 theo Th\u1ed1ng \u0111\u1ed1c Nguy\u1ec5n V\u0103n B\u00ecnh, t\u00ecnh h\u00ecnh thanh kho\u1ea3n c\u1ee7a c\u00e1c ng\u00e2n h\u00e0ng (NH) \u0111\u00e3 \u0111\u01b0\u1ee3c c\u1ea3i thi\u1ec7n. Tuy nhi\u00ean, th\u00f4ng tin n\u00e0y d\u01b0\u1eddng\u00a0 nh\u01b0 kh\u00f4ng c\u00f3 \u00fd ngh\u0129a nhi\u1ec1u […]<\/p>\n","protected":false},"author":2,"featured_media":22592,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":""},"categories":[27,26],"tags":[],"class_list":["post-21734","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-interviews","category-legal-media"],"acf":[],"yoast_head":"\n163. Chuy\u1ec7n l\u00e0m \u0103n: \u201c\u01b0\u01a1ng b\u01b0\u1edbng\u201c c\u1ee7a l\u00e3i su\u1ea5t? - 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\/163-chuyen-lam-an-uong-buong-cua-lai-suat\/\" \/>\n<meta property=\"og:locale\" content=\"vi_VN\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"[:vi]163. 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