{"id":22176,"date":"2014-10-20T12:12:57","date_gmt":"2014-10-20T05:12:57","guid":{"rendered":"https:\/\/anvilaw.com\/vi\/?p=22176"},"modified":"2022-05-19T12:45:24","modified_gmt":"2022-05-19T05:45:24","slug":"579-xu-ly-no-xau-go-kho-o-khau-phap-ly","status":"publish","type":"post","link":"https:\/\/anvilaw.com\/vi\/579-xu-ly-no-xau-go-kho-o-khau-phap-ly\/","title":{"rendered":"579. X\u1eed l\u00fd n\u1ee3 x\u1ea5u: G\u1ee1 kh\u00f3 \u1edf kh\u00e2u ph\u00e1p l\u00fd"},"content":{"rendered":"

(TBNH) – N\u1ee3 x\u1ea5u \u0111\u01b0\u1ee3c x\u1eed l\u00fd \u0111\u1ebfn \u0111\u00e2u v\u00e0 c\u1ea7n c\u00f3 nh\u1eefng gi\u1ea3i ph\u00e1p n\u00e0o \u0111\u1ec3 ti\u1ebfp t\u1ee5c \u0111\u1ea9y m\u1ea1nh x\u1eed l\u00fd n\u1ee3 x\u1ea5u lu\u00f4n l\u00e0 v\u1ea5n \u0111\u1ec1 \u0111\u01b0\u1ee3c d\u01b0 lu\u1eadn quan t\u00e2m. Th\u1eddi b\u00e1o Ng\u00e2n h\u00e0ng xin tr\u00edch \u0111\u0103ng \u00fd ki\u1ebfn c\u00e1c chuy\u00ean gia, lu\u1eadt s\u01b0\u2026 \u0111\u1ec3 \u0111\u01b0a ra g\u00f3c nh\u00ecn \u0111a chi\u1ec1u v\u1ec1 v\u1ea5n \u0111\u1ec1 n\u00e0y.<\/strong><\/p>\n

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<\/td>\nTS. Nguy\u1ec5n Qu\u1ed1c H\u00f9ng<\/em><\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n

TS. Nguy\u1ec5n Qu\u1ed1c H\u00f9ng, Ch\u1ee7 t\u1ecbch H\u0110TV C\u00f4ng ty Qu\u1ea3n l\u00fd t\u00e0i s\u1ea3n c\u1ee7a c\u00e1c TCTD Vi\u1ec7t Nam (VAMC):<\/em><\/p>\n

N\u1ee3 x\u1ea5u d\u01b0\u1edbi 3%, TCTD c\u0169ng b\u00e1n cho VAMC<\/strong><\/p>\n

\u0110\u1ebfn th\u1eddi \u0111i\u1ec3m n\u00e0y, sau h\u01a1n m\u1ed9t n\u0103m \u0111\u01b0\u1ee3c th\u00e0nh l\u1eadp v\u00e0 ho\u1ea1t \u0111\u1ed9ng, VAMC \u0111\u00e3 mua n\u1ee3 x\u1ea5u b\u1eb1ng tr\u00e1i phi\u1ebfu \u0111\u1eb7c bi\u1ec7t v\u1edbi 6.203 kho\u1ea3n n\u1ee3 c\u1ee7a 37 TCTD, tr\u1ecb gi\u00e1 n\u1ee3 g\u1ed1c x\u1ea5p x\u1ec9 93 ngh\u00ecn t\u1ef7 \u0111\u1ed3ng v\u00e0 gi\u00e1 tr\u1ecb mua l\u00e0 76 ngh\u00ecn t\u1ef7 \u0111\u1ed3ng. Nh\u01b0 v\u1eady, \u0111\u1ebfn nay VAMC \u0111\u00e3 \u0111\u01b0a 93 ngh\u00ecn t\u1ef7 \u0111\u1ed3ng n\u1ee3 g\u1ed1c c\u1ee7a c\u00e1c TCTD ra ngo\u1ea1i b\u1ea3ng. \u0110i\u1ec1u n\u00e0y, gi\u00fap t\u1ef7 l\u1ec7 n\u1ee3 x\u1ea5u c\u1ee7a c\u00e1c TCTD gi\u1ea3m xu\u1ed1ng, nh\u1eb9 g\u00e1nh trong vi\u1ec7c x\u1eed l\u00fd n\u1ee3 x\u1ea5u, t\u00e1i c\u1ea5u tr\u00fac l\u1ea1i ch\u00ednh c\u00e1c TCTD. \u0110\u1eb7c bi\u1ec7t, theo quy \u0111\u1ecbnh c\u00e1c TCTD c\u00f3 t\u1ef7 l\u1ec7 n\u1ee3 x\u1ea5u t\u1eeb 3% tr\u1edf l\u00ean bu\u1ed9c ph\u1ea3i b\u00e1n n\u1ee3 cho VAMC, nh\u01b0ng hi\u1ec7n c\u00f3 nh\u1eefng TCTD t\u1ef7 l\u1ec7 n\u1ee3 x\u1ea5u d\u01b0\u1edbi m\u1ee9c n\u00e0y v\u1eabn b\u00e1n cho VAMC.<\/p>\n

Vi\u1ec7c mua n\u1ee3 x\u1ea5u l\u00e0 b\u01b0\u1edbc ban \u0111\u1ea7u. Ch\u00fang t\u00f4i mua n\u1ee3 x\u1ea5u kh\u00f4ng ph\u1ea3i \u0111\u1ec3 x\u1ebfp v\u00e0o kho m\u00e0 \u0111\u1ec3 ti\u1ebfp t\u1ee5c ph\u00e2n lo\u1ea1i, \u0111\u00e1nh gi\u00e1, ph\u00e2n t\u00edch th\u1ef1c tr\u1ea1ng t\u1eebng DN, t\u1eebng kho\u1ea3n n\u1ee3 \u0111\u1ec3 xem DN c\u00f3 kh\u1ea3 n\u0103ng ph\u1ee5c h\u1ed3i s\u1ebd ph\u1ed1i h\u1ee3p v\u1edbi c\u00e1c TCTD ti\u1ebfp t\u1ee5c th\u00e1o g\u1ee1 kh\u00f3 kh\u0103n cho DN th\u00f4ng qua c\u00e1c gi\u1ea3i ph\u00e1p: mi\u1ec5n gi\u1ea3m l\u00e3i, \u0111i\u1ec1u ch\u1ec9nh k\u1ef3 h\u1ea1n n\u1ee3, \u0111i\u1ec1u ch\u1ec9nh l\u00e3i su\u1ea5t. N\u1ebfu DN n\u00e0o c\u00f3 ph\u01b0\u01a1ng \u00e1n s\u1ea3n xu\u1ea5t kinh doanh hi\u1ec7u qu\u1ea3 s\u1ebd ti\u1ebfp t\u1ee5c \u0111\u01b0\u1ee3c vay v\u1ed1n.<\/p>\n

V\u1edbi c\u00e1c kho\u1ea3n n\u1ee3 \u0111\u00e3 mua ch\u00fang t\u00f4i c\u01a1 c\u1ea5u l\u1ea1i v\u1edbi s\u1ed1 d\u01b0 h\u00e0ng ch\u1ee5c ngh\u00ecn t\u1ef7 \u0111\u1ed3ng, k\u00fd h\u1ea1n m\u1ee9c cho h\u00e0ng tr\u0103m kh\u00e1ch h\u00e0ng \u0111\u01b0\u1ee3c vay v\u1ed1n, \u0111i\u1ec1u ch\u1ec9nh l\u00e3i su\u1ea5t 3 l\u1ea7n; ti\u1ebfn h\u00e0nh \u0111\u1ea5u gi\u00e1, \u1ee7y quy\u1ec1n b\u00e1n t\u00e0i s\u1ea3n \u0111\u1ea3m b\u1ea3o, thu h\u1ed3i n\u1ee3. V\u1edbi c\u00e1c kho\u1ea3n n\u1ee3 c\u1ee7a DN kh\u00f4ng c\u00f3 kh\u1ea3 n\u0103ng h\u1ed3i ph\u1ee5c, nh\u01b0 t\u00e0i s\u1ea3n th\u1ebf ch\u1ea5p l\u00e0 m\u00e1y m\u00f3c thi\u1ebft b\u1ecb \u0111\u1ec3 l\u00e2u d\u1eabn \u0111\u1ebfn m\u1ea5t gi\u00e1, VAMC ph\u1ea3i ti\u1ebfn h\u00e0nh x\u1eed l\u00fd ngay. Kho\u1ea3n n\u1ee3 n\u00e0o m\u00e0 kh\u00e1ch h\u00e0ng th\u1ec3 hi\u1ec7n th\u00e1i \u0111\u1ed9 kh\u00f4ng h\u1ee3p t\u00e1c, VAMC c\u00f3 tr\u00e1ch nhi\u1ec7m t\u1ed5 ch\u1ee9c thu h\u1ed3i n\u1ee3, thu gi\u1eef t\u00e0i s\u1ea3n v\u00e0 ti\u1ebfn h\u00e0nh ph\u00e1t m\u1ea1i.<\/p>\n

\"\"
\nT\u00e0i s\u1ea3n th\u1ebf ch\u1ea5p l\u00e0 m\u00e1y m\u00f3c thi\u1ebft b\u1ecb \u0111\u1ec3 l\u00e2u d\u1eabn \u0111\u1ebfn m\u1ea5t gi\u00e1<\/em><\/p>\n

Th\u1eddi gian qua \u0111\u00e3 c\u00f3 \u00fd ki\u1ebfn cho r\u1eb1ng, ti\u1ebfn tr\u00ecnh x\u1eed l\u00fd n\u1ee3 x\u1ea5u ch\u01b0a nh\u01b0 mong mu\u1ed1n, nh\u01b0ng t\u00f4i kh\u00f4ng ngh\u0129 v\u1eady. Ch\u00fang t\u00f4i \u0111\u00e3 t\u00edch c\u1ef1c, ch\u1ee7 \u0111\u1ed9ng x\u00e2y d\u1ef1ng ph\u01b0\u01a1ng \u00e1n, k\u1ebf ho\u1ea1ch mua n\u1ee3, x\u1eed l\u00fd n\u1ee3, b\u00e1n n\u1ee3 v\u00e0 \u0111\u1ebfn nay ch\u00fang t\u00f4i \u0111\u00e3 ho\u00e0n th\u00e0nh 80% k\u1ebf ho\u1ea1ch x\u00e2y d\u1ef1ng t\u1eeb \u0111\u1ea7u n\u0103m 2014. Ri\u00eang v\u1ec1 thu h\u1ed3i n\u1ee3, ch\u00fang t\u00f4i \u0111\u01b0a ra k\u1ebf ho\u1ea1ch t\u1eeb thu h\u1ed3i n\u1ee3, b\u00e1n n\u1ee3 l\u00e0 2.500 t\u1ef7 \u0111\u1ed3ng, nh\u01b0ng \u0111\u1ebfn nay v\u01b0\u1ee3t k\u1ebf ho\u1ea1ch khi \u0111\u1ea1t 3.000 t\u1ef7 \u0111\u1ed3ng.<\/p>\n

Tuy nhi\u00ean, vi\u1ec7c thu gi\u1eef v\u00e0 ph\u00e1t m\u1ea1i t\u00e0i s\u1ea3n k\u1ec3 t\u1eeb khi l\u00e0m th\u1ee7 t\u1ee5c \u0111\u1ebfn khi \u0111\u1ea5u gi\u00e1 th\u00e0nh c\u00f4ng m\u1ed9t kho\u1ea3n n\u1ee3 l\u00e0 kho\u1ea3ng 4 th\u00e1ng (c\u00f3 nh\u1eefng kho\u1ea3n ph\u1ea3i \u0111\u1ea5u gi\u00e1 \u0111\u1ebfn l\u1ea7n th\u1ee9 4 m\u1edbi th\u00e0nh c\u00f4ng). Nh\u01b0 v\u1eady, b\u1ea3n th\u00e2n VAMC \u0111\u00e3 c\u00f3 t\u00e1c \u0111\u1ed9ng r\u1ea5t t\u00edch c\u1ef1c, ph\u1ea3i ch\u1ea5p nh\u1eadn m\u1ee9c gi\u00e1 m\u1ed7i l\u1ea7n thay \u0111\u1ed5i v\u00e0 m\u1ed7i l\u1ea7n thay \u0111\u1ed5i m\u1ee9c gi\u00e1 l\u00e0 1 th\u00e1ng. Nh\u1ea5t l\u00e0 khi VAMC \u0111\u00e3 \u1ee7y quy\u1ec1n cho TCTD \u0111\u1ea5u gi\u00e1 l\u1ea7n th\u1ee9 7 kh\u00f4ng th\u00e0nh c\u00f4ng.<\/p>\n

Kh\u00f3 kh\u0103n nh\u1ea5t hi\u1ec7n nay c\u1ee7a ch\u00fang t\u00f4i l\u00e0 kh\u00e2u \u0111\u1ea5u gi\u00e1. Nguy\u00ean nh\u00e2n l\u00e0 do \u0111\u1ecbnh gi\u00e1 qu\u00e1 cao v\u00ec lo ng\u1ea1i \u0111\u1ecbnh gi\u00e1 th\u1ea5p l\u1ea1i s\u1ee3 \u1ea3nh h\u01b0\u1edfng t\u1edbi tr\u00e1ch nhi\u1ec7m v\u1edbi kho\u1ea3n n\u1ee3, n\u00ean khi ph\u00e1t m\u1ea1i mu\u1ed1n t\u01b0\u01a1ng \u0111\u01b0\u01a1ng v\u1edbi kho\u1ea3n n\u1ee3 g\u1ed1c c\u1ed9ng v\u1edbi l\u00e3i. Trong khi kinh t\u1ebf kh\u00f3 kh\u0103n, k\u1ef3 v\u1ecdng t\u0103ng gi\u00e1 t\u00e0i s\u1ea3n B\u0110S th\u1ea5p n\u00ean k\u1ec3 c\u1ea3 t\u00e0i s\u1ea3n b\u00e1n b\u1eb1ng gi\u00e1 th\u1ecb tr\u01b0\u1eddng ch\u01b0a ch\u1eafc \u0111\u00e3 h\u1ea5p d\u1eabn. T\u00ednh thanh kho\u1ea3n c\u1ee7a th\u1ecb tr\u01b0\u1eddng c\u0169ng quy\u1ebft \u0111\u1ecbnh t\u1edbi vi\u1ec7c mua b\u00e1n n\u1ee3 x\u1ea5u.<\/p>\n

Th\u00f4ng t\u01b0 18\/2014\/TT-BTP c\u1ee7a B\u1ed9 T\u01b0 ph\u00e1p m\u1edbi ban h\u00e0nh h\u01b0\u1edbng d\u1eabn vi\u1ec7c b\u00e1n \u0111\u1ea5u gi\u00e1 t\u00e0i s\u1ea3n c\u1ee7a VAMC l\u00e0 b\u01b0\u1edbc kh\u1edfi \u0111\u1ea7u thu\u1eadn l\u1ee3i v\u00e0 t\u0103ng quy\u1ec1n \u0111\u1ec3 ch\u00fang t\u00f4i t\u1ed5 ch\u1ee9c \u0111\u1ea5u gi\u00e1 t\u00e0i s\u1ea3n. N\u1ebfu nh\u01b0 \u0111\u1ea5u gi\u00e1 kh\u00f4ng th\u00e0nh c\u00f4ng th\u00ec ch\u00fang t\u00f4i c\u00f3 quy\u1ec1n \u0111\u01b0a ra gi\u00e1 ch\u1ee9 kh\u00f4ng ph\u1ea3i h\u1ecfi \u00fd ki\u1ebfn kh\u00e1ch h\u00e0ng vay TCTD. \u0110\u00e2y ch\u1ec9 l\u00e0 m\u1ed9t trong nh\u1eefng ch\u00ednh s\u00e1ch th\u00e1o g\u1ee1 kh\u00f3 kh\u0103n. \u0110\u1ec3 gi\u1ea3i quy\u1ebft tri\u1ec7t \u0111\u1ec3 nh\u1eefng kh\u00f3 kh\u0103n c\u1ee7a VAMC hi\u1ec7n n\u00e0y th\u00ec c\u1ea7n nhi\u1ec1u gi\u1ea3i ph\u00e1p \u0111\u1ed3ng b\u1ed9 n\u1eefa t\u1eeb c\u00e1c b\u1ed9, ng\u00e0nh, \u0111\u1ecba ph\u01b0\u01a1ng.<\/p>\n\n\n\n\n
\"\"<\/td>\n<\/td>\n<\/tr>\n
TS. Nguy\u1ec5n \u0110\u1ee9c Th\u00e0nh<\/em><\/td>\n<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n

TS. Nguy\u1ec5n \u0110\u1ee9c Th\u00e0nh, Gi\u00e1m \u0111\u1ed1c Trung t\u00e2m Nghi\u00ean c\u1ee9u kinh t\u1ebf v\u00e0 ch\u00ednh s\u00e1ch (VEPR):<\/em><\/p>\n

VAMC v\u01b0\u1edbng nh\u1ea5t \u1edf kh\u00e2u ph\u00e1p l\u00fd<\/strong><\/p>\n

\u0110\u1ebfn nay \u0111\u00e3 c\u00f3 93 ngh\u00ecn t\u1ef7 \u0111\u1ed3ng n\u1ee3 x\u1ea5u \u0111\u01b0\u1ee3c chuy\u1ec3n sang VAMC v\u1edbi gi\u00e1 tr\u1ecb th\u1ef1c l\u00e0 76 ngh\u00ecn t\u1ef7 \u0111\u1ed3ng. Nh\u01b0ng VAMC m\u1edbi ph\u00e1t m\u1ea1i t\u00e0i s\u1ea3n th\u1ef1c \u0111\u01b0\u1ee3c 1,9 ngh\u00ecn t\u1ef7 \u0111\u1ed3ng khi\u1ebfn nhi\u1ec1u ng\u01b0\u1eddi lo ng\u1ea1i v\u1ec1 kh\u1ea3 n\u0103ng x\u1eed l\u00fd n\u1ee3 x\u1ea5u. Tuy nhi\u00ean, khi theo d\u00f5i ti\u1ebfn tr\u00ecnh x\u1eed l\u00fd n\u1ee3 x\u1ea5u c\u00f3 th\u1ec3 th\u1ea5y, x\u1eed l\u00fd n\u1ee3 ph\u1ea3i th\u1ef1c hi\u1ec7n t\u1eebng b\u01b0\u1edbc. B\u01b0\u1edbc \u0111\u1ea7u l\u00e0 gom n\u1ee3 l\u1ea1i v\u00e0 b\u01b0\u1edbc ti\u1ebfp theo sau \u0111\u00f3 l\u00e0 ph\u00e1t m\u1ea1i t\u00e0i s\u1ea3n.<\/p>\n

Hi\u1ec7n VAMC ph\u00e1t m\u1ea1i ch\u1eadm ch\u1ee7 y\u1ebfu do t\u00e0i s\u1ea3n th\u1ebf ch\u1ea5p \u0111a s\u1ed1 l\u00e0 B\u0110S. Khi x\u1eed l\u00fd t\u00e0i s\u1ea3n l\u00e0 B\u0110S, ch\u00fang ta b\u1ecb m\u1eafc ch\u1ee7 y\u1ebfu \u1edf kh\u00e2u ph\u00e1p l\u00fd. \u0110\u00e2y l\u00e0 \u0111\u1eb7c th\u00f9 c\u1ee7a Vi\u1ec7t Nam khi quy\u1ec1n t\u00e0i s\u1ea3n li\u00ean quan \u0111\u1ebfn NH ch\u01b0a \u0111\u01b0\u1ee3c x\u00e1c \u0111\u1ecbnh \u0111\u1ea7y \u0111\u1ee7. Nh\u1eefng ng\u01b0\u1eddi l\u00e0m NH v\u00e0 VAMC g\u1eb7p kh\u00f3 kh\u0103n n\u1ebfu nh\u01b0 t\u00e0i s\u1ea3n thu h\u1ed3i r\u1ed3i, nh\u01b0ng khi chuy\u1ec3n sang ng\u01b0\u1eddi kh\u00e1c m\u00e0 ng\u01b0\u1eddi mua t\u00e0i s\u1ea3n kh\u00f4ng \u0111\u01b0\u1ee3c to\u00e0n quy\u1ec1n s\u1eed d\u1ee5ng v\u00e0 s\u1edf h\u1eefu theo \u0111\u00fang ngh\u0129a, d\u1eabn t\u1edbi kh\u00f3 kh\u0103n trong vi\u1ec7c b\u00e1n n\u1ee3. \u0110i\u1ec3m n\u1eefa l\u00e0 khi x\u00e1c \u0111\u1ecbnh gi\u00e1 c\u1ee7a t\u00e0i s\u1ea3n, h\u1ea7u nh\u01b0 khi ph\u00e1t m\u1ea1i m\u1ed9t t\u00e0i s\u1ea3n trong t\u00ecnh tr\u1ea1ng n\u1ee3 x\u1ea5u th\u00ec kh\u00f4ng bao gi\u1edd thu h\u1ed3i \u0111\u01b0\u1ee3c b\u1eb1ng nh\u01b0 gi\u00e1 tr\u1ecb ban \u0111\u1ea7u.<\/p>\n

T\u00f3m l\u1ea1i, ngu\u1ed3n l\u1ef1c c\u1ee7a VAMC hi\u1ec7n nay kh\u00f4ng ch\u1ec9 gi\u1edbi h\u1ea1n v\u1ec1 m\u1eb7t t\u00e0i ch\u00ednh m\u00e0 v\u01b0\u1edbng m\u1eafc \u0111\u1ea7u ti\u00ean l\u00e0 ph\u00e1p lu\u1eadt xung quanh c\u00e1c quy ch\u1ebf li\u00ean quan t\u1edbi v\u1ea5n \u0111\u1ec1 t\u00e0i s\u1ea3n, quy\u1ec1n s\u1edf h\u1eefu, s\u1eed d\u1ee5ng t\u00e0i s\u1ea3n. V\u1edbi Th\u00f4ng t\u01b0 18\/2014\/TT-BTP c\u1ee7a B\u1ed9 T\u01b0 ph\u00e1p, VAMC \u0111\u00e3 t\u1eebng b\u01b0\u1edbc \u0111\u01b0\u1ee3c trao quy\u1ec1n. \u0110\u00e2y l\u00e0 m\u1ea5u ch\u1ed1t \u0111\u1ec3 h\u1ed7 tr\u1ee3 cho vi\u1ec7c b\u00e1n \u0111\u1ea5u gi\u00e1 t\u00e0i s\u1ea3n v\u00e0 hy v\u1ecdng r\u1eb1ng, th\u1eddi gian t\u1edbi s\u1ebd ti\u1ebfp t\u1ee5c th\u00e1o g\u1ee1 kh\u00f3 kh\u0103n cho VAMC.<\/p>\n\n\n\n\n
<\/td>\n\"\"<\/td>\n<\/tr>\n
<\/td>\n\u00d4ng Tr\u1ea7n Minh B\u00ecnh<\/em><\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n

\u00d4ng Tr\u1ea7n Minh B\u00ecnh, Ph\u00f3 t\u1ed5ng gi\u00e1m \u0111\u1ed1c VietinBank:<\/em><\/p>\n

X\u1eed l\u00fd n\u1ee3 l\u00e0 nghi\u1ec7p v\u1ee5 kh\u00f3 nh\u1ea5t<\/strong><\/p>\n

Kh\u00f3 kh\u0103n m\u00e0 ph\u00eda VAMC \u0111\u1ec1 c\u1eadp \u0111\u1ebfn nay l\u00e0 r\u1ea5t \u0111\u00fang. D\u01b0\u1edbi g\u00f3c \u0111\u1ed9 l\u00e0 NHTM, ch\u00fang t\u00f4i th\u1ea5y trong c\u00e1c nghi\u1ec7p v\u1ee5 th\u00ec x\u1eed l\u00fd n\u1ee3 l\u00e0 nghi\u1ec7p v\u1ee5 kh\u00f3 nh\u1ea5t. Nghi\u1ec7p v\u1ee5 t\u00edn d\u1ee5ng \u0111\u00e3 kh\u00f3, nh\u01b0ng x\u1eed l\u00fd n\u1ee3 c\u00f2n kh\u00f3 h\u01a1n. Trong x\u1eed l\u00fd n\u1ee3 th\u00ec x\u1eed l\u00fd t\u00e0i s\u1ea3n b\u1ea3o \u0111\u1ea3m l\u00e0 ch\u1ee7 \u0111i\u1ec3m v\u00e0 r\u1ea5t n\u00f3ng v\u1edbi c\u00e1c NHTM. M\u1eb7c d\u00f9 c\u00f3 t\u1ef7 l\u1ec7 n\u1ee3 x\u1ea5u r\u1ea5t th\u1ea5p, nh\u01b0ng ch\u00fang t\u00f4i c\u0169ng d\u00e0nh ngu\u1ed3n l\u1ef1c r\u1ea5t l\u1edbn trong v\u1ea5n \u0111\u1ec1 x\u1eed l\u00fd c\u00e1c kho\u1ea3n n\u1ee3 x\u1ea5u, x\u1eed l\u00fd t\u00e0i s\u1ea3n b\u1ea3o \u0111\u1ea3m.<\/p>\n

Khi cho vay, NH ph\u1ea3i \u0111\u1ecbnh gi\u00e1 t\u00e0i s\u1ea3n tr\u00ean c\u01a1 s\u1edf gi\u00e1 tr\u1ecb th\u1ecb tr\u01b0\u1eddng. Nh\u01b0ng \u0111\u1eb7c \u0111i\u1ec3m c\u1ee7a th\u1ecb tr\u01b0\u1eddng B\u0110S Vi\u1ec7t Nam l\u00e0 bi\u1ebfn \u0111\u1ed9ng gi\u00e1 r\u1ea5t l\u1edbn. Do \u0111\u00f3, khi ch\u00fang t\u00f4i x\u1eed l\u00fd t\u00e0i s\u1ea3n th\u00ec B\u0110S r\u01a1i v\u00e0o \u0111\u00e1y n\u00ean NH x\u1eed l\u00fd kh\u00f4ng thu \u0111\u01b0\u1ee3c c\u1ea3 g\u1ed1c v\u00e0 l\u00e3i. \u0110\u00f3 l\u00e0 v\u1ea5n \u0111\u1ec1 NH ph\u1ea3i c\u00e2n nh\u1eafc \u0111\u1ec3 x\u1eed l\u00fd. Trong nhi\u1ec1u tr\u01b0\u1eddng h\u1ee3p, kh\u00e1ch h\u00e0ng kh\u00f4ng mu\u1ed1n tham gia v\u00e0o ph\u00e1t m\u1ea1i n\u00ean NH x\u1eed l\u00fd t\u00e0i s\u1ea3n r\u1ea5t ph\u1ee9c t\u1ea1p. Nh\u01b0ng ngay c\u1ea3 khi kh\u00e1ch h\u00e0ng kh\u00f4ng h\u1ee3p t\u00e1c v\u1edbi NH, ch\u00fang t\u00f4i ph\u1ea3i kh\u1edfi ki\u1ec7n qua t\u00f2a \u00e1n, ph\u00e1t m\u1ea1i qua thi h\u00e0nh \u00e1n th\u00ec kh\u00f3 kh\u0103n c\u0169ng ch\u1ed3ng ch\u1ea5t. V\u00ed d\u1ee5, kh\u00e1ch h\u00e0ng kh\u00f4ng tham gia v\u1ee5 ki\u1ec7n, b\u1ecf kh\u1ecfi n\u01a1i c\u01b0 tr\u00fa th\u00ec c\u00e1c v\u1ee5 kh\u1edfi ki\u1ec7n k\u00e9o d\u00e0i, m\u1ea5t r\u1ea5t nhi\u1ec1u th\u1eddi gian.<\/p>\n

Hi\u1ec7n nay, VietinBank \u0111\u1eb7c bi\u1ec7t ch\u00fa tr\u1ecdng \u0111\u1ebfn v\u1ea5n \u0111\u1ec1 ki\u1ec3m so\u00e1t r\u1ee7i ro, h\u1ea1n ch\u1ebf ph\u00e1t sinh n\u1ee3 x\u1ea5u m\u1edbi, trong \u0111\u00f3 c\u00f3 c\u1ea3 v\u1ea5n \u0111\u1ec1 r\u1ee7i ro \u0111\u1ea1o \u0111\u1ee9c c\u1ee7a c\u00e1n b\u1ed9 NH. VietinBank \u0111\u00e3 c\u00f3 c\u00e1c gi\u1ea3i ph\u00e1p \u0111\u1ec3 ph\u00f2ng ng\u1eeba nh\u1eefng r\u1ee7i ro v\u1edbi c\u00e1c m\u00f4 th\u1ee9c qu\u1ea3n tr\u1ecb r\u1ee7i ro theo chu\u1ea9n m\u1ef1c qu\u1ed1c t\u1ebf. C\u00e1c c\u1ed5 \u0111\u00f4ng n\u01b0\u1edbc ngo\u00e0i tham gia s\u00e2u v\u00e0o ho\u1ea1t \u0111\u1ed9ng \u0111i\u1ec1u h\u00e0nh, qu\u1ea3n tr\u1ecb c\u1ee7a VietinBank.<\/p>\n

Hi\u1ec7n ch\u00fang t\u00f4i thi\u1ebft k\u1ebf c\u00e1c m\u00f4 h\u00ecnh qu\u1ea3n tr\u1ecb chia t\u00e1ch th\u00e0nh nhi\u1ec1u c\u00f4ng \u0111o\u1ea1n v\u00e0 m\u1ed7i c\u00f4ng \u0111o\u1ea1n mang t\u00ednh ch\u1ea5t \u0111\u1ed9c l\u1eadp nhau. Do \u0111\u00f3, quy\u1ebft \u0111\u1ecbnh \u0111\u01b0a ra kh\u00f4ng d\u1ef1a tr\u00ean \u00fd ki\u1ebfn ch\u1ee7 quan c\u1ee7a m\u1ed9t b\u1ed9 ph\u1eadn hay m\u1ed9t ng\u01b0\u1eddi n\u00ean hi\u1ec7u qu\u1ea3 \u0111\u00e1nh gi\u00e1 kh\u00e1ch h\u00e0ng \u0111\u01b0\u1ee3c n\u00e2ng l\u00ean. Ch\u00fang t\u00f4i t\u1ef1 tin v\u00e0o c\u00e1c gi\u1ea3i ph\u00e1p gi\u1ea3m thi\u1ec3u r\u1ee7i ro \u0111\u1ec3 \u0111\u01b0a v\u1ed1n ra n\u1ec1n kinh t\u1ebf, t\u1ea1o \u0111i\u1ec1u ki\u1ec7n cho DN vay v\u1ed1n ph\u00e1t tri\u1ec3n s\u1ea3n xu\u1ea5t kinh doanh trong th\u1eddi gian t\u1edbi.<\/p>\n\n\n\n\n
\"\"<\/td>\n<\/td>\n<\/tr>\n
LS. Tr\u01b0\u01a1ng Thanh \u0110\u1ee9c<\/em><\/td>\n<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n

LS. Tr\u01b0\u01a1ng Thanh \u0110\u1ee9c, Ch\u1ee7 nhi\u1ec7m C\u00e2u l\u1ea1c b\u1ed9 Ph\u00e1p ch\u1ebf NH:<\/em><\/p>\n

N\u1ee3 c\u00e0ng x\u1ea5u n\u1ebfu h\u00ecnh s\u1ef1 h\u00f3a quan h\u1ec7 t\u00edn d\u1ee5ng<\/strong><\/p>\n

Hi\u1ec7n nay \u0111ang c\u00f3 nhi\u1ec1u nh\u1eadn \u0111\u1ecbnh sai l\u1ea7m v\u1ec1 nguy\u00ean nh\u00e2n v\u00e0 tr\u00e1ch nhi\u1ec7m c\u1ee7a ng\u00e0nh NH \u0111\u1ed1i v\u1edbi n\u1ee3 x\u1ea5u. Th\u1ee9 nh\u1ea5t l\u00e0 \u0111\u1ed5 l\u1ed7i cho NH g\u00e2y ra n\u1ee3 x\u1ea5u. Th\u1ee9 hai l\u00e0 \u0111\u1ed5 l\u1ed7i cho NH kh\u00f4ng t\u00edch c\u1ef1c x\u1eed l\u00fd n\u1ee3 x\u1ea5u. V\u00e0 th\u1ee9 ba l\u00e0 \u0111\u1ed5 l\u1ed7i cho NH \u0111\u1ec3 cho n\u1ee3 x\u1ea5u t\u00e1i di\u1ec5n. \u0110\u00f3 ch\u1ec9 l\u00e0 m\u1ed9t ph\u1ea7n nh\u1ecf c\u1ee7a s\u1ef1 th\u1eadt. Th\u1ef1c t\u1ebf th\u00ec h\u1ea7u h\u1ebft c\u00e1c NH kh\u00f4ng ph\u1ea3i l\u00e0 con n\u1ee3 x\u1ea5u, m\u00e0 ch\u1ec9 l\u00e0 ch\u1ee7 n\u1ee3 x\u1ea5u.<\/p>\n

Vi\u1ec7c x\u1eed l\u00fd n\u1ee3 x\u1ea5u c\u1ee7a DN l\u00e0 r\u1ea5t kh\u00f3 kh\u0103n do ph\u1ee5 thu\u1ed9c v\u00e0o nhi\u1ec1u y\u1ebfu t\u1ed1 n\u1eb1m ngo\u00e0i kh\u1ea3 n\u0103ng c\u1ee7a NH. Khi cho vay, NH l\u00e0 ng\u01b0\u1eddi quy\u1ebft \u0111\u1ecbnh \u0111\u1ed1i v\u1edbi kh\u00e1ch h\u00e0ng, nh\u01b0ng khi \u0111\u00f2i n\u1ee3 th\u00ec kh\u00e1ch h\u00e0ng l\u1ea1i m\u1edbi l\u00e0 ng\u01b0\u1eddi quy\u1ebft \u0111\u1ecbnh. \u0110\u1ec3 x\u1eed l\u00fd \u0111\u01b0\u1ee3c t\u00e0i s\u1ea3n b\u1ea3o \u0111\u1ea3m theo quy \u0111\u1ecbnh c\u1ee7a ph\u00e1p lu\u1eadt l\u00e0 v\u00f4 c\u00f9ng kh\u00f3 kh\u0103n, v\u00ec th\u1ee7 t\u1ee5c nhi\u00eau kh\u00ea v\u00e0 ph\u1ea3i c\u00f3 s\u1ef1 \u0111\u1ed3ng thu\u1eadn c\u1ee7a kh\u00e1ch h\u00e0ng c\u0169ng nh\u01b0 nhi\u1ec1u c\u01a1 quan, ban, ng\u00e0nh li\u00ean quan.<\/p>\n

V\u1ec1 ph\u00eda m\u00ecnh, \u0111\u1ec3 x\u1eed l\u00fd n\u1ee3 x\u1ea5u c\u00e1c TCTD \u0111\u00e3 tr\u00edch l\u1eadp d\u1ef1 ph\u00f2ng r\u1ee7i ro, t\u00edch c\u1ef1c thu h\u1ed3i n\u1ee3 v\u00e0 b\u00e1n n\u1ee3 cho VAMC. V\u1ea5n \u0111\u1ec1 m\u1ea5u ch\u1ed1t, th\u1ef1c t\u1ebf l\u00e0 \u0111\u00f2i n\u1ee3 v\u00e0 b\u00e1n t\u00e0i s\u1ea3n b\u1ea3o \u0111\u1ea3m \u0111\u1ec3 thu h\u1ed3i th\u00ec r\u1ea5t \u00edt chuy\u1ec3n bi\u1ebfn. \u0110\u1eb7c bi\u1ec7t, c\u00e1c TCTD r\u1ea5t lo ng\u1ea1i v\u1ea5n \u0111\u1ec1 b\u1ecb h\u00ecnh s\u1ef1 ho\u00e1 khi x\u1eed l\u00fd n\u1ee3 x\u1ea5u. Tr\u01b0\u1edbc \u0111\u00e2y, khi NH cho vay th\u00ec gi\u00e1 tr\u1ecb t\u00e0i s\u1ea3n cao, nay b\u00e1n th\u00ec gi\u00e1 qu\u00e1 th\u1ea5p. B\u00e1n h\u1ebft t\u00e0i s\u1ea3n m\u00e0 kh\u00f4ng thu \u0111\u1ee7 n\u1ee3 th\u00ec c\u1ea3 kh\u00e1ch h\u00e0ng v\u00e0 c\u00e1n b\u1ed9 NH \u0111\u1ec1u lo s\u1ee3 b\u1ecb quy k\u1ebft t\u1ed9i ph\u1ea1m l\u00e0m th\u1ea5t tho\u00e1t ti\u1ec1n vay\u2026 Th\u1ebf l\u00e0 c\u1ea3 hai b\u00ean \u0111\u1ec1u n\u1ea5n n\u00e1 ch\u1edd \u0111\u1ee3i, hy v\u1ecdng DN ph\u1ee5c h\u1ed3i s\u1ea3n xu\u1ea5t, kinh doanh \u0111\u1ec3 tr\u1ea3 n\u1ee3, ch\u1edd \u0111\u1ee3i gi\u00e1 t\u00e0i s\u1ea3n \u0111\u1ea3m b\u1ea3o t\u0103ng, mong tr\u00edch \u0111\u1ee7 d\u1ef1 ph\u00f2ng v\u00e0 c\u00f3 ch\u00ednh s\u00e1ch mi\u1ec5n tr\u00e1ch r\u00f5 r\u00e0ng h\u01a1n\u2026<\/p>\n

T\u00f4i cho r\u1eb1ng, n\u1ebfu ng\u01b0\u1eddi vay l\u1ea1m d\u1ee5ng t\u00edn nhi\u1ec7m hay l\u1eeba \u0111\u1ea3o, chi\u1ebfm \u0111o\u1ea1t ti\u1ec1n c\u1ee7a NH th\u00ec \u0111\u01b0\u01a1ng nhi\u00ean ph\u1ea3i x\u1eed l\u00fd h\u00ecnh s\u1ef1. N\u1ebfu c\u00e1n b\u1ed9 NH th\u1ef1c s\u1ef1 sai ph\u1ea1m nghi\u00eam tr\u1ecdng, tham nh\u0169ng hay \u0111\u1ed3ng ph\u1ea1m v\u1edbi ng\u01b0\u1eddi vay th\u00ec c\u0169ng ph\u1ea3i x\u1eed ph\u1ea1t v\u1ec1 c\u00e1c t\u1ed9i t\u01b0\u01a1ng \u1ee9ng. Tuy nhi\u00ean tr\u00ean th\u1ef1c t\u1ebf, qu\u00e1 nhi\u1ec1u c\u00e1n b\u1ed9 NH l\u00e0 n\u1ea1n nh\u00e2n b\u1ecb l\u1ea1m d\u1ee5ng, l\u1eeba \u0111\u1ea3o nh\u01b0ng l\u1ea1i b\u1ecb quy k\u1ebft l\u00e0 t\u1ed9i ph\u1ea1m vi ph\u1ea1m quy \u0111\u1ecbnh v\u1ec1 cho vay ho\u1eb7c t\u1ed9i ph\u1ea1m c\u1ed1 \u00fd l\u00e0m tr\u00e1i. \u0110\u00f3 l\u00e0 vi\u1ec7c h\u00ecnh s\u1ef1 ho\u00e1 quan h\u1ec7 t\u00edn d\u1ee5ng, quan h\u1ec7 kinh t\u1ebf, d\u00e2n s\u1ef1.<\/p>\n

H\u00ecnh s\u1ef1 h\u00f3a quan h\u1ec7 t\u00edn d\u1ee5ng nh\u01b0 v\u1eady l\u00e0 m\u1ed9t trong nh\u1eefng nguy\u00ean nh\u00e2n g\u00f3p ph\u1ea7n c\u1ea3n tr\u1edf qu\u00e1 tr\u00ecnh x\u1eed l\u00fd n\u1ee3 x\u1ea5u. Ng\u01b0\u1eddi ta s\u1ebd r\u1ea5t s\u1ee3 h\u00e3i tr\u00e1ch nhi\u1ec7m h\u00ecnh s\u1ef1, kh\u00f4ng d\u00e1m b\u1ecf c\u00e1i l\u1ee3i nh\u1ecf \u0111\u1ec3 \u0111\u1ea1t c\u00e1i l\u1ee3i l\u1edbn, thu \u00edt nh\u01b0ng thu s\u1edbm trong x\u1eed l\u00fd n\u1ee3 x\u1ea5u. V\u00ec n\u1ebfu l\u00e0m m\u1ea1nh, l\u00e0m ki\u00ean quy\u1ebft, c\u00f3 g\u00ec b\u1ea3o \u0111\u1ea3m r\u1eb1ng h\u1ecd s\u1ebd kh\u00f4ng b\u1ecb ng\u01b0\u1eddi n\u00e0y ph\u1ea3n \u1ee9ng, c\u01a1 quan kia s\u0103m soi v\u00ec b\u1ed7ng d\u01b0ng g\u00e2y thi\u1ebfu h\u1ee5t, th\u1ea5t tho\u00e1t?<\/p>\n

N\u1ebfu c\u1ee9 k\u00e9o d\u00e0i t\u00ecnh tr\u1ea1ng nh\u01b0 tr\u00ean th\u00ec kh\u00f4ng nh\u1eefng nan gi\u1ea3i trong x\u1eed l\u00fd n\u1ee3 x\u1ea5u hi\u1ec7n t\u1ea1i m\u00e0 c\u00f2n nguy c\u01a1 t\u00e1i di\u1ec5n n\u1ee3 x\u1ea5u tr\u1ea7m tr\u1ecdng trong t\u01b0\u01a1ng lai. X\u1eed l\u00fd n\u1ee3 x\u1ea5u trong b\u1ed1i c\u1ea3nh th\u1eddi gian c\u1ea5p b\u00e1ch, ph\u00e1p lu\u1eadt c\u00f2n v\u01b0\u1edbng m\u1eafc v\u00e0 th\u1ecb tr\u01b0\u1eddng kh\u00f3 kh\u0103n nh\u01b0 hi\u1ec7n nay th\u00ec ph\u1ea3i ch\u1ea5p nh\u1eadn ch\u1ecdn c\u00e1i \u00edt x\u1ea5u nh\u1ea5t trong nh\u1eefng c\u00e1i x\u1ea5u, ch\u1ee9 kh\u00f4ng th\u1ec3 \u0111\u00f2i h\u1ecfi ph\u1ea3i l\u00e0 c\u00e1i \u0111\u00fang nh\u1ea5t, t\u1ed1t nh\u1ea5t.<\/p>\n<\/div>\n<\/div>\n

Nh\u00f3m ph\u00f3ng vi\u00ean<\/strong>\u00a0th\u1ef1c hi\u1ec7n<\/p>\n

——————<\/p>\n

Th\u1eddi b\u00e1o Ng\u00e2n h\u00e0ng (T\u00e0i ch\u00ednh \u2013 Ti\u1ec1n t\u1ec7) 20-10-2014<\/em><\/strong><\/p>\n

https:\/\/thoibaonganhang.vn\/xu-ly-no-xau-go-kho-o-khau-phap-ly-3961.html<\/p>\n

(644\/2.274)<\/em>","protected":false},"excerpt":{"rendered":"

(TBNH) – N\u1ee3 x\u1ea5u \u0111\u01b0\u1ee3c x\u1eed l\u00fd \u0111\u1ebfn \u0111\u00e2u v\u00e0 c\u1ea7n c\u00f3 nh\u1eefng gi\u1ea3i ph\u00e1p n\u00e0o \u0111\u1ec3 ti\u1ebfp t\u1ee5c \u0111\u1ea9y m\u1ea1nh x\u1eed l\u00fd n\u1ee3 x\u1ea5u lu\u00f4n l\u00e0 v\u1ea5n \u0111\u1ec1 \u0111\u01b0\u1ee3c d\u01b0 lu\u1eadn quan t\u00e2m. Th\u1eddi b\u00e1o Ng\u00e2n h\u00e0ng xin tr\u00edch \u0111\u0103ng \u00fd ki\u1ebfn c\u00e1c chuy\u00ean gia, lu\u1eadt s\u01b0\u2026 \u0111\u1ec3 \u0111\u01b0a ra g\u00f3c nh\u00ecn \u0111a chi\u1ec1u […]<\/p>\n","protected":false},"author":10,"featured_media":22191,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":""},"categories":[27,26],"tags":[],"class_list":["post-22176","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-interviews","category-legal-media"],"acf":[],"yoast_head":"\n579. 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