{"id":23122,"date":"2014-03-13T09:02:52","date_gmt":"2014-03-13T02:02:52","guid":{"rendered":"https:\/\/anvilaw.com\/vi\/?p=23122"},"modified":"2022-05-24T19:35:56","modified_gmt":"2022-05-24T12:35:56","slug":"450-goi-tin-dung-canh-dong-mau-lon-cach-nao-de-ngan-hang-mo-hau-bao","status":"publish","type":"post","link":"https:\/\/anvilaw.com\/vi\/450-goi-tin-dung-canh-dong-mau-lon-cach-nao-de-ngan-hang-mo-hau-bao\/","title":{"rendered":"450. G\u00f3i t\u00edn d\u1ee5ng c\u00e1nh \u0111\u1ed3ng m\u1eabu l\u1edbn: C\u00e1ch n\u00e0o \u0111\u1ec3 ng\u00e2n h\u00e0ng m\u1edf h\u1ea7u bao?"},"content":{"rendered":"(D\u0110DN) –\u00a0\u00a0NHNN s\u1eafp \u0111\u01b0a ra \u201cch\u01b0\u01a1ng tr\u00ecnh t\u00edn d\u1ee5ng c\u00e1nh \u0111\u1ed3ng m\u1eabu l\u1edbn\u201d v\u1edbi mong mu\u1ed1n c\u00f3 s\u1ef1 \u0111\u1ed9t ph\u00e1 trong ch\u00ednh s\u00e1ch t\u00edn d\u1ee5ng tam n\u00f4ng n\u0103m 2014. Tuy nhi\u00ean, nhi\u1ec1u ng\u01b0\u1eddi \u0111\u1eb7t c\u00e2u h\u1ecfi: c\u00e1c ng\u00e2n h\u00e0ng d\u00e1m m\u1ea1nh d\u1ea1n m\u1edf h\u1ea7u bao, khi m\u00e0 r\u1ee7i ro trong s\u1ea3n xu\u1ea5t n\u00f4ng nghi\u1ec7p \u0111\u01b0\u1ee3c coi l\u00e0 \u0111\u1ee9ng \u0111\u1ea7u trong c\u00e1c l\u0129nh v\u1ef1c cho vay?<\/strong><\/p>\n

Quy \u0111\u1ecbnh v\u00e0 th\u1ef1c t\u1ebf<\/strong><\/p>\n

Nh\u00e0 n\u01b0\u1edbc c\u1ea7n t\u1ed5 ch\u1ee9c m\u1ed9t s\u00e2n ch\u01a1i c\u00f4ng b\u1eb1ng h\u01a1n kh\u00f4ng ch\u1ec9 gi\u1eefa c\u00e1c DN (qu\u1ed1c doanh, t\u01b0 nh\u00e2n) m\u00e0 c\u00f2n l\u00e0 c\u00f4ng b\u1eb1ng h\u01a1n cho\u00a0n\u00f4ng d\u00e2n<\/a>\u00a0v\u1edbi vai tr\u00f2 ng\u01b0\u1eddi ch\u01a1i \u2013 \u0111\u1ed1i t\u00e1c, trong \u0111\u00f3 c\u00e1c \u0111i\u1ec1u ki\u1ec7n tham gia v\u00e0 s\u1ef1 b\u1ea3o tr\u1ee3 c\u1ee7a nh\u00e0 n\u01b0\u1edbc kh\u00f4ng t\u1ea1o th\u00eam \u00e1p l\u1ef1c l\u00ean ng\u01b0\u1eddi d\u00e2n hi\u1ec7n \u0111ang n\u1eb1m \u1edf nh\u00f3m \u0111\u00e1y trong ph\u00e2n t\u1ea7ng c\u1ee7a x\u00e3 h\u1ed9i. Kinh nghi\u1ec7m c\u1ee7a Oxfam \u201cS\u00e1ng ki\u1ebfn n\u00f4ng nghi\u1ec7p b\u1ec1n v\u1eefng\u201d cho th\u1ea5y g\u00f3i h\u1ed7 tr\u1ee3 c\u1ee7a ch\u00ednh ph\u1ee7 c\u1ea7n t\u00ednh to\u00e1n \u0111\u1ebfn c\u00e1c \u0111i\u1ec1u ki\u1ec7n s\u1ea3n xu\u1ea5t c\u1ee5 th\u1ec3 c\u1ee7a ng\u01b0\u1eddi d\u00e2n, \u0111\u1ea3m b\u1ea3o \u0111\u1ed3ng b\u1ed9 b\u1ed1n y\u1ebfu t\u1ed1 nh\u01b0: Chia s\u1ebb r\u1ee7i ro (th\u00f4ng qua\u00a0t\u00edn d\u1ee5ng<\/a>); Chuy\u1ec3n giao r\u1ee7i ro (th\u00f4ng qua\u00a0b\u1ea3o hi\u1ec3m n\u00f4ng nghi\u1ec7p<\/a>\u00a0v\u1edbi c\u00e1c \u0111i\u1ec1u ki\u1ec7n th\u1eddi ti\u1ebft b\u1ea5t l\u1ee3i, d\u1ecbch b\u1ec7nh\u2026); \u0110\u1ea3o ng\u01b0\u1ee3c r\u1ee7i ro (th\u00f4ng qua th\u00fac \u0111\u1ea9y\u00a0ti\u1ebft ki\u1ec7m<\/a>); v\u00e0 gi\u1ea3m thi\u1ec3u r\u1ee7i ro (th\u00f4ng qua c\u00e1c c\u00f4ng c\u1ee5 qu\u1ea3n tr\u1ecb).<\/p>\n

Nh\u1eefng quy \u0111\u1ecbnh c\u1ea7n s\u00e1t v\u1edbi th\u1ef1c t\u1ebf. Ch\u1eb3ng h\u1ea1n,\u00a0vay t\u00edn ch\u1ea5p<\/a>\u00a0c\u1ea7n \u0111\u01b0\u1ee3c hi\u1ec3u v\u00e0 th\u1ef1c thi \u0111\u00fang (th\u1ef1c t\u1ebf v\u1eabn c\u00f3 kh\u00fac m\u1eafc gi\u1eefa t\u1ed5 ch\u1ee9c t\u00edn d\u1ee5ng v\u00e0 ng\u00e0nh n\u00f4ng nghi\u1ec7p trong kh\u00e1i ni\u1ec7m v\u00e0 th\u1ee7 t\u1ee5c vay). N\u1ebfu v\u1eabn cho n\u00f4ng d\u00e2n vay th\u1ebf ch\u1ea5p b\u1eb1ng t\u00e0i s\u1ea3n, ch\u00fang ta v\u1eabn kh\u00f4ng th\u1ec3 gi\u1ea3i quy\u1ebft \u0111\u01b0\u1ee3c nhu c\u1ea7u vay v\u1ed1n c\u1ee7a ng\u01b0\u1eddi n\u00f4ng d\u00e2n. H\u1ee3p \u0111\u1ed3ng k\u00fd k\u1ebft gi\u1eefa DN v\u1edbi n\u00f4ng d\u00e2n v\u00e0 quy ho\u1ea1ch c\u1ee7a \u0111\u1ecba ph\u01b0\u01a1ng l\u00e0 nh\u1eefng c\u01a1 s\u1edf \u0111\u1ec3 x\u00e2y d\u1ef1ng ph\u01b0\u01a1ng \u00e1n cho vay v\u00e0 h\u1ed7 tr\u1ee3\u00a0l\u00e3i su\u1ea5t<\/a>. Tuy v\u1eady, nhu c\u1ea7u c\u1ee7a n\u00f4ng d\u00e2n, v\u1edbi phong t\u1ee5c, t\u1eadp qu\u00e1n, \u0111i\u1ec1u ki\u1ec7n v\u0103n h\u00f3a, th\u1ed5 nh\u01b0\u1ee1ng, v\u00e0 n\u0103ng l\u1ef1c kh\u00e1c nhau, n\u00ean c\u00e1c ch\u00ednh s\u00e1ch t\u00edn d\u1ee5ng c\u1ea7n linh ho\u1ea1t, c\u00e1c th\u1ee7 t\u1ee5c c\u1ea7n gi\u1ea3m thi\u1ec3u \u0111\u1ec3 d\u1ec5 th\u1ef1c hi\u1ec7n v\u00e0 khuy\u1ebfn kh\u00edch ng\u01b0\u1eddi d\u00e2n s\u1eed d\u1ee5ng v\u1ed1n vay hi\u1ec7u qu\u1ea3 h\u01a1n.<\/p>\n

Trong \u0111i\u1ec1u ki\u1ec7n\u00a0kinh t\u1ebf th\u1ecb tr\u01b0\u1eddng<\/a>\u00a0v\u1edbi nh\u1eefng \u0111\u00f2i h\u1ecfi c\u1ea1nh tranh kh\u1ed1c li\u1ec7t, \u0111\u1ec3 ti\u1ebfp c\u1eadn v\u00e0 s\u1eed d\u1ee5ng\u00a0v\u1ed1n vay<\/a>\u00a0v\u00e0 s\u1ea3n xu\u1ea5t hi\u1ec7u qu\u1ea3 h\u01a1n, n\u00f4ng d\u00e2n c\u1ea7n \u0111\u01b0\u1ee3c t\u1ed5 ch\u1ee9c li\u00ean k\u1ebft hi\u1ec7u qu\u1ea3 h\u01a1n, c\u00f3 s\u1ef1 t\u1ef1 ch\u1ee7 trong s\u1ea3n xu\u1ea5t, trong \u0111\u00e0m ph\u00e1n l\u1ee3i \u00edch, v\u00e0 trong b\u1ea3o v\u1ec7 quy\u1ec1n l\u1ee3i cho m\u00ecnh.<\/p>\n

C\u1ea7n x\u00e1c \u0111\u1ecbnh\u00a0n\u00f4ng d\u00e2n<\/a>\u00a0l\u00e0 ch\u1ee7 th\u1ec3 h\u01b0\u1edfng l\u1ee3i tr\u1ef1c ti\u1ebfp v\u00e0 \u0111\u1ea7u ti\u00ean trong c\u00e1c ch\u00ednh s\u00e1ch t\u00edn dung. B\u00e0i h\u1ecdc v\u1ec1 tr\u1ee3 gi\u00e1 l\u00faa c\u1ee7a\u00a0Th\u00e1i Lan<\/a>\u00a0d\u1eabn t\u1edbi th\u00e2m h\u1ee5t ng\u00e2n s\u00e1ch nghi\u00eam tr\u1ecdng, \u0111\u1ed5 v\u1ee1 ni\u1ec1m tin, b\u1ea5t \u1ed5n x\u00e3 h\u1ed9i cho th\u1ea5y ch\u00ednh s\u00e1ch tr\u1ee3 gi\u00fap c\u1ee7a Ch\u00ednh ph\u1ee7 c\u00f3 th\u1ec3 g\u00e2y b\u1ea5t \u1ed5n, kh\u00f4ng ch\u1ec9 b\u1edfi \u0111\u00e3 t\u1ea1o ra \u1ea3o gi\u00e1c v\u1ec1 m\u1ed9t th\u1ef1c t\u1ebf kh\u00f4ng c\u00f3 th\u1eadt, m\u00e0 c\u00f2n b\u1edfi ch\u00ednh s\u00e1ch kh\u00f4ng t\u00ednh t\u1edbi l\u1ee3i \u00edch tr\u1ef1c ti\u1ebfp, l\u00e2u d\u00e0i v\u00e0 b\u1ec1n v\u1eefng c\u1ee7a ng\u01b0\u1eddi n\u00f4ng d\u00e2n l\u00e0 m\u1ed9t v\u00ed d\u1ee5 \u0111i\u1ec3n h\u00ecnh.<\/p>\n

C\u1ea7n ph\u00e2n r\u00f5 vai<\/strong><\/p>\n\n\n\n
\"\"
\nLS\u00a0<\/em>Tr\u01b0\u01a1ng Thanh \u0110\u1ee9c<\/strong>\u00a0<\/em>– Gi\u00e1m \u0111\u1ed1c C\u00f4ng ty Lu\u1eadt ANVI<\/em><\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n

Vi\u1ec7c\u00a0NHNN<\/a>\u00a0s\u1eafp \u0111\u01b0a ra \u201cch\u01b0\u01a1ng tr\u00ecnh t\u00edn d\u1ee5ng\u00a0c\u00e1nh \u0111\u1ed3ng m\u1eabu l\u1edbn<\/a>\u201d v\u1edbi mong mu\u1ed1n c\u00f3 s\u1ef1 \u0111\u1ed9t ph\u00e1 trong ch\u00ednh s\u00e1ch t\u00edn d\u1ee5ng tam n\u00f4ng n\u0103m 2014 l\u00e0 m\u1ed9t t\u00edn hi\u1ec7u \u0111\u00e1ng m\u1eebng \u0111\u1ec3 ng\u00e0nh n\u00f4ng nghi\u1ec7p ph\u00e1t tri\u1ec3n theo h\u01b0\u1edbng hi\u1ec7n \u0111\u1ea1i v\u00e0 chuy\u00ean nghi\u1ec7p. Tuy nhi\u00ean, kh\u00f4ng bi\u1ebft NHNN s\u1ebd ph\u1ea3i x\u1eed l\u00fd v\u1ea5n \u0111\u1ec1 r\u1ee7i ro ra sao? V\u00ec \u0111\u1ec3 h\u00f4 h\u00e0o c\u00e1c NHTM th\u1ef1c hi\u1ec7n nh\u1eefng nhi\u1ec7m v\u1ee5 theo ki\u1ec3u ch\u00ednh tr\u1ecb th\u00ec r\u1ea5t kh\u00f3. C\u00e1c\u00a0ng\u00e2n h\u00e0ng<\/a>\u00a0bao gi\u1edd c\u0169ng ph\u1ea3i x\u00e9t t\u1edbi ti\u00eau ch\u00ed t\u00ednh kh\u1ea3 thi c\u1ee7a d\u1ef1 \u00e1n. N\u1ebfu d\u1ef1 \u00e1n n\u00e0o c\u00f3 \u0111\u1ed9 r\u1ee7i ro cao th\u00ec kh\u00f3 ai d\u00e1m cho vay, ch\u01b0a n\u00f3i \u0111\u1ebfn cho vay v\u1edbi s\u1ed1 v\u1ed1n l\u1edbn. Trong khi \u0111\u00f3, \u0111\u1ec3 th\u1ef1c hi\u1ec7n c\u00e1c d\u1ef1 \u00e1n c\u00e1nh \u0111\u1ed3ng m\u1eabu l\u1edbn hay \u00e1p d\u1ee5ng c\u00f4ng ngh\u1ec7 ti\u00ean ti\u1ebfn v\u00e0o\u00a0n\u00f4ng nghi\u1ec7p<\/a>\u00a0ph\u1ea3i c\u1ea7n s\u1ed1 v\u1ed1n th\u01b0\u1eddng r\u1ea5t l\u1edbn. C\u00f2n \u0111\u1ed9 r\u1ee7i ro c\u1ee7a c\u00e1c d\u1ef1 \u00e1n n\u00f4ng nghi\u1ec7p t\u1eeb tr\u01b0\u1edbc \u0111\u1ebfn nay \u0111\u1ec1u b\u1ecb \u0111\u00e1nh gi\u00e1 l\u00e0 r\u1ea5t cao.<\/p>\n

Th\u1eed nh\u00ecn v\u00e0o vi\u1ec7c Ch\u00ednh ph\u1ee7\u00a0Israel<\/a>\u00a0n\u00f3i l\u00e0 mu\u1ed1n cho d\u1ef1 \u00e1n\u00a0TH\u00a0True Milk<\/a>\u00a0vay 100 tri\u1ec7u USD th\u00ec \u0111i\u1ec1u ki\u1ec7n l\u1ea1i l\u00e0 Ch\u00ednh ph\u1ee7 VN b\u1ea3o l\u00e3nh. Ch\u01b0a c\u1ea7n n\u00f3i t\u1edbi t\u00ednh kh\u1ea3 thi \u0111\u1ebfn \u0111\u00e2u, ch\u1ec9 c\u1ea7n c\u00f3 Ch\u00ednh ph\u1ee7 b\u1ea3o l\u00e3nh th\u00ec ng\u00e2n h\u00e0ng n\u00e0o c\u0169ng s\u1eb5n s\u00e0ng cho vay. Kh\u00f4ng c\u1ea7n t\u1edbi\u00a0ng\u00e2n h\u00e0ng n\u01b0\u1edbc ngo\u00e0i<\/a>, c\u00e1c ng\u00e2n h\u00e0ng trong n\u01b0\u1edbc c\u0169ng \u0111ang t\u00ecm c\u00e1c d\u1ef1 \u00e1n c\u00f3 t\u00ednh kh\u1ea3 thi cao ho\u1eb7c \u0111\u01b0\u1ee3c b\u1ea3o l\u00e3nh ch\u1eafc ch\u1eafn \u0111\u1ec3 cho vay. N\u1ebfu n\u00f3i cho vay \u0111\u1ec3 ph\u00e1t tri\u1ec3n ch\u01b0\u01a1ng tr\u00ecnh m\u1ee5c ti\u00eau nh\u01b0 ki\u1ec3u\u00a0c\u00e1nh \u0111\u1ed3ng m\u1eabu l\u1edbn<\/a>\u00a0th\u00ec kh\u00f4ng th\u1ec3 tr\u00f4ng ch\u1edd v\u00e0o s\u1ef1 h\u00f4 h\u00e0o c\u1ee7a ng\u00e2n h\u00e0ng. Nh\u00e0 n\u01b0\u1edbc ph\u1ea3i \u0111\u1ee9ng ra l\u00e0m ch\u1ee7 chuy\u1ec7n n\u00e0y. V\u00ed d\u1ee5 nh\u00e0 n\u01b0\u1edbc ch\u1ec9 \u0111\u1ea1o NH Ph\u00e1t tri\u1ec3n VN ph\u1ea3i chu\u1ea9n b\u1ecb v\u1ed1n \u0111\u1ec3 ph\u00e1t tri\u1ec3n c\u00e1nh \u0111\u1ed3ng m\u1eabu l\u1edbn. Qua \u0111\u00f3, nh\u00e0 n\u01b0\u1edbc ph\u1ea3i ch\u1ea5p nh\u1eadn m\u1ed9t m\u1ee9c \u0111\u1ed9 r\u1ee7i ro n\u00e0o \u0111\u00f3.<\/p>\n

Vi\u1ec7c t\u1ed5 ch\u1ee9c \u0111\u1ec3 ph\u00e1t tri\u1ec3n ch\u01b0\u01a1ng tr\u00ecnh c\u00e1nh \u0111\u1ed3ng m\u1eabu l\u1edbn, hay \u00e1p d\u1ee5ng c\u00f4ng ngh\u1ec7 hi\u1ec7n \u0111\u1ea1i v\u00e0o n\u00f4ng nghi\u1ec7p ph\u1ea3i thu\u1ed9c chuy\u00ean m\u00f4n nh\u01b0 B\u1ed9 N\u00f4ng nghi\u1ec7p v\u00e0 Ph\u00e1t tri\u1ec3n n\u00f4ng th\u00f4n. \u0110\u00e2y s\u1ebd l\u00e0 c\u01a1 quan th\u1ea9m \u0111\u1ecbnh v\u00e0 \u0111\u00ednh h\u01b0\u1edbng c\u00e1c d\u1ef1 \u00e1n \u0111i \u0111\u00fang c\u00e1c m\u1ee5c ti\u00eau \u0111\u1ed3ng th\u1eddi h\u1ea1n ch\u1ebf \u0111\u1ed9 r\u1ee7i ro.<\/p>\n

Ch\u1ee7 tr\u01b0\u01a1ng ph\u00e1t tri\u1ec3n ng\u00e0nh n\u00f4ng nghi\u1ec7p n\u00f4ng th\u00f4n theo h\u01b0\u1edbng hi\u1ec7n \u0111\u1ea1i v\u00e0 chuy\u00ean nghi\u1ec7p kh\u00f4ng th\u1ec3 ch\u1eadm ch\u1ec5 \u0111\u01b0\u1ee3c. Tuy nhi\u00ean, \u0111\u1ec3 th\u1ef1c hi\u1ec7n ch\u1ee7 tr\u01b0\u01a1ng n\u00e0y c\u1ea7n c\u00f3 m\u1ed9t s\u1ef1 ph\u00e2n vai c\u1ee5 th\u1ec3, t\u1eeb B\u1ed9 NN&PTNT, B\u1ed9 Khoa h\u1ecdc v\u00e0 C\u00f4ng ngh\u1ec7, NHNN\u2026\u00a0\u00a0\u0110\u00e2y l\u00e0 m\u1ed9t nhi\u1ec7m v\u1ee5 ch\u00ednh tr\u1ecb kh\u00f4ng th\u1ec3 l\u01a1 l\u00e0 c\u1ee7a c\u00e1c c\u01a1 quan n\u00e0y. Khi Ch\u00ednh ph\u1ee7 \u0111\u00e3 c\u00f3 quy\u1ebft t\u00e2m ch\u00ednh tr\u1ecb th\u00ec ph\u1ea3i chuy\u1ec3n n\u00f3 t\u1edbi t\u1eebng b\u1ed9 ng\u00e0nh v\u00e0 \u0111\u1ecba ph\u01b0\u01a1ng.<\/p>\n

\u0110\u1eebng ch\u1ec9 l\u00e0 phong tr\u00e0o<\/strong><\/p>\n

Vi\u1ec7c g\u00f3i t\u00edn d\u1ee5ng \u0111\u01b0\u1ee3c \u0111\u1ec1 xu\u1ea5t h\u01b0\u1edbng v\u00e0o c\u00e1c m\u1ee5c ti\u00eau s\u1ea3n xu\u1ea5t ph\u00e1t tri\u1ec3n ng\u00e0nh n\u00f4ng nghi\u1ec7p l\u00e0 s\u00e1t v\u1edbi t\u00ecnh h\u00ecnh s\u1ea3n xu\u1ea5t n\u00f4ng nghi\u1ec7p c\u1ee7a ta hi\u1ec7n nay. Tuy nhi\u00ean, vi\u1ec7c tri\u1ec3n khai th\u1ef1c hi\u1ec7n g\u00f3i t\u00edn d\u1ee5ng n\u00e0y tr\u00ean th\u1ef1c t\u1ebf ch\u1eafc ch\u1eafn s\u1ebd kh\u00f4ng d\u1ec5…<\/p>\n

Ch\u1eb3ng h\u1ea1n n\u00f4ng d\u00e2n mu\u1ed1n vay th\u00ec ai s\u1ebd l\u00e0 ng\u01b0\u1eddi \u0111\u1ee9ng ra\u00a0b\u1ea3o l\u00e3nh<\/a>\u00a0cho n\u00f4ng d\u00e2n vay v\u1ed1n? L\u00e0m sao n\u00f4ng d\u00e2n c\u00f3 \u0111\u1ee7 l\u00f2ng tin \u0111\u1ec3 ng\u00e2n h\u00e0ng ch\u1ea5p nh\u1eadn h\u1ed7 tr\u1ee3 cho vay v\u1ed1n?… Ch\u01b0a k\u1ec3, h\u00e0ng ngh\u00ecn\u00a0th\u1ee7 t\u1ee5c<\/a>\u00a0m\u00e0 n\u00f4ng d\u00e2n kh\u00f3 c\u00f3 th\u1ec3 \u0111\u00e1p \u1ee9ng n\u1ebfu mu\u1ed1n vay v\u1ed1n ng\u00e2n h\u00e0ng… H\u01a1n n\u1eefa, s\u1ea3n xu\u1ea5t n\u00f4ng nghi\u1ec7p c\u1ee7a ch\u00fang ta hi\u1ec7n nay c\u00f2n qu\u00e1 manh m\u00fan, nh\u1ecf l\u1ebb kh\u00f3 c\u00f3 th\u1ec3 \u1ee9ng d\u1ee5ng t\u1ed1t c\u00e1c ti\u1ebfn b\u1ed9 khoa h\u1ecdc v\u00e0 c\u00e1c m\u00f4 h\u00ecnh m\u1edbi. Ngo\u00e0i ra, c\u00e1c ch\u00ednh s\u00e1ch \u0111\u01b0a ra c\u1ea7n ph\u1ea3i t\u00ednh \u0111\u1ebfn vi\u1ec7c n\u00f4ng d\u00e2n s\u1eed d\u1ee5ng \u0111\u01b0\u1ee3c \u0111\u1ed3ng ru\u1ed9ng c\u1ee7a m\u00ecnh, \u0111\u1eb7c bi\u1ec7t n\u00f4ng d\u00e2n ph\u1ea3i l\u00e0m gi\u00e0u \u0111\u01b0\u1ee3c t\u1eeb nh\u1eefng s\u1ea3n ph\u1ea9m n\u00f4ng nghi\u1ec7p.<\/p>\n

M\u1ed9t v\u1ea5n \u0111\u1ec1 n\u1eefa l\u00e0 g\u00f3i t\u00edn d\u1ee5ng 1 n\u0103m s\u1ebd kh\u00f3 c\u00f3 th\u1ec3 hi\u1ec7u qu\u1ea3 ngay \u0111\u01b0\u1ee3c m\u00e0 ph\u1ea3i \u0111\u01b0\u1ee3c h\u1ed7 tr\u1ee3 vay v\u1ed1n trung v\u00e0 d\u00e0i h\u1ea1n \u0111\u1ec3 k\u1ecbp \u00e1p d\u1ee5ng khoa h\u1ecdc, c\u00f4ng ngh\u1ec7 ho\u1eb7c quay v\u00f2ng s\u1ea3n xu\u1ea5t theo m\u00f4 h\u00ecnh m\u1edbi cho ch\u1ecdn m\u1ed9t v\u00f2ng \u0111\u1eddi c\u1ee7a s\u1ea3n ph\u1ea9m \u0111\u1eb7c th\u00f9 trong s\u1ea3n xu\u1ea5t n\u00f4ng nghi\u1ec7p. C\u00f2n n\u1ebfu ch\u00fang ta l\u1ea1i ch\u1ec9 \u00e1p d\u1ee5ng vay theo ki\u1ec3u “ch\u00ednh s\u00e1ch quan t\u00e2m” th\u00ec t\u00f4i cho g\u00f3i t\u00edn d\u1ee5ng s\u1ebd ch\u1ec9 d\u1eebng l\u1ea1i \u1edf phong tr\u00e0o, ch\u01b0a thay \u0111\u1ed5i \u0111\u01b0\u1ee3c s\u1ea3n xu\u1ea5t n\u00f4ng nghi\u1ec7p c\u0169ng nh\u01b0 c\u1ea3i thi\u1ec7n \u0111\u01b0\u1ee3c \u0111\u1eddi s\u1ed1ng ng\u01b0\u1eddi n\u00f4ng d\u00e2n.<\/p>\n

\u0110\u1ec3 ch\u00ednh s\u00e1ch t\u00edn d\u1ee5ng ph\u00e1t huy hi\u1ec7u qu\u1ea3 v\u1edbi\u00a0s\u1ea3n xu\u1ea5t n\u00f4ng nghi\u1ec7p<\/a>\u00a0th\u00ec kh\u00f4ng ch\u1ec9 1 x\u00e3, 1 h\u1ed9 d\u00e2n hay 1 d\u1ef1 \u00e1n l\u00e0 xong m\u00e0 ph\u1ea3i l\u00e0m \u0111\u1ed3ng b\u1ed9, c\u00f3 \u0111\u01b0\u1ee3c m\u1ed9t \u00fd t\u01b0\u1edfng m\u00f4 h\u00ecnh ph\u00e1t tri\u1ec3n n\u00f4ng nghi\u1ec7p ph\u00f9 h\u1ee3p v\u1edbi \u0111i\u1ec1u ki\u1ec7n, th\u1ed5 nh\u01b0\u1ee1ng c\u1ee7a t\u1eebng v\u00f9ng. C\u00f3 th\u1ec3 \u0111\u00fac k\u1ebft m\u1ed9t s\u1ed1 m\u00f4 h\u00ecnh \u0111\u00e3 th\u00e0nh c\u00f4ng nh\u01b0 ph\u00e1t tri\u1ec3n\u00a0b\u00f2 s\u1eefa<\/a>\u00a0\u1edf\u00a0M\u1ed9c Ch\u00e2u<\/a>,Ngh\u1ec7 An<\/a>, \u1edf \u0111\u00f3, ng\u01b0\u1eddi n\u00f4ng d\u00e2n \u0111\u00e3 \u0111\u01b0\u1ee3c t\u1eadp h\u1ee3p l\u1ea1i trong qu\u00e1 tr\u00ecnh s\u1ea3n xu\u1ea5t. Hay v\u1edbi \u0111\u1ea5t \u0111ai hi\u1ec7n nay, ch\u00fang ta c\u1ea7n m\u1ea1nh d\u1ea1n d\u1ed3n \u0111i\u1ec1n, \u0111\u1ed5i th\u1eeda, cho ph\u00e9p t\u00edch t\u1ee5 ru\u1ed9ng \u0111\u1ea5t l\u1edbn \u0111\u1ec3 \u0111\u01b0a khoa h\u1ecdc c\u00f4ng ngh\u1ec7 v\u00e0o. S\u1ea3n xu\u1ea5t theo m\u00f4 h\u00ecnh c\u00e1nh \u0111\u1ed3ng m\u1eabu l\u1edbn \u1edf \u0110BSCL c\u0169ng v\u1eady, c\u1ea7n ph\u1ea3i c\u00f3 ch\u00ednh s\u00e1ch t\u00edn d\u1ee5ng t\u1ed1t \u0111\u1ec3 thay \u0111\u1ed5i c\u01a1 c\u1ea5u s\u1ea3n xu\u1ea5t n\u00f4ng nghi\u1ec7p hi\u1ec7n nay, \u0111\u1ec3 n\u00f4ng d\u00e2n kh\u00f4ng ph\u1ea3i l\u00e0m t\u1edbi 3 v\u1ee5 l\u00faa m\u00e0 c\u00f3 th\u1ec3 l\u00e0m 1 l\u00faa, 1 t\u00f4m, 1 m\u1ea7u v\u1eabn c\u00f3 th\u1ec3 gi\u00e0u c\u00f3…<\/p>\n

Quy tr\u00ecnh cho vay kh\u00e9p k\u00edn<\/strong><\/p>\n

Vi\u1ec7c\u00a0g\u00f3i t\u00edn d\u1ee5ng<\/a>\u00a0\u0111\u01b0\u1ee3c \u0111\u1ec1 xu\u1ea5t h\u01b0\u1edbng v\u00e0o c\u00e1c m\u1ee5c ti\u00eau ph\u1ee5c v\u1ee5 \u1ee9ng d\u1ee5ng c\u00f4ng ngh\u1ec7 khoa h\u1ecdc v\u00e0o s\u1ea3n xu\u1ea5t n\u00f4ng nghi\u1ec7p; ph\u1ee5c v\u1ee5 m\u00f4 h\u00ecnh s\u1ea3n xu\u1ea5t m\u1edbi trong n\u00f4ng nghi\u1ec7p v\u00e0 t\u00edn d\u1ee5ng ph\u1ee5c v\u1ee5 xu\u1ea5t kh\u1ea9u n\u00f4ng th\u1ee7y s\u1ea3n t\u00f4i cho l\u00e0 s\u00e1t v\u1edbi t\u00ecnh h\u00ecnh s\u1ea3n xu\u1ea5t n\u00f4ng nghi\u1ec7p c\u1ee7a ta hi\u1ec7n nay.<\/p>\n

Hi\u1ec7n nay, m\u1eb7t b\u1eb1ng l\u00e3i su\u1ea5t th\u1ecb tr\u01b0\u1eddng \u0111ang \u1ed5n \u0111\u1ecbnh v\u00e0 c\u00f3 xu h\u01b0\u1edbng gi\u1ea3m. V\u1ea5n \u0111\u1ec1 l\u00e0 l\u00e0m sao \u0111\u1ec3 khu v\u1ef1c\u00a0n\u00f4ng nghi\u1ec7p<\/a>,\u00a0n\u00f4ng th\u00f4n<\/a>\u00a0h\u1ea5p th\u1ee5 \u0111\u01b0\u1ee3c v\u1ed1n n\u1ebfu c\u00e1c ng\u00e2n h\u00e0ng\u00a0\u00a0tri\u1ec3n khai th\u1ef1c hi\u1ec7n ch\u01b0\u01a1ng tr\u00ecnh h\u1ed7 tr\u1ee3 t\u00edn d\u1ee5ng. \u0110i\u1ec1u quan tr\u1ecdng nh\u1ea5t, ph\u1ea3i ph\u00e1t tri\u1ec3n\u00a0h\u1ee3p t\u00e1c x\u00e3<\/a>\u00a0\u0111\u1ec3 \u0111\u1ee9ng ra h\u1ed7 tr\u1ee3 n\u00f4ng d\u00e2n, r\u1ed3i ph\u00e1t tri\u1ec3n c\u00e1c m\u00f4 h\u00ecnh\u00a0c\u00e1nh \u0111\u1ed3ng m\u1eabu l\u1edbn<\/a>\u00a0\u0111\u1ec3 s\u1ea3n xu\u1ea5t h\u00e0ng h\u00f3a th\u00ec m\u1edbi c\u00f3 th\u1ec3 h\u1ea5p th\u1ee5 \u0111\u01b0\u1ee3c v\u1ed1n t\u00edn d\u1ee5ng (m\u00f4 h\u00ecnh c\u00e1nh \u0111\u1ed3ng m\u1eabu l\u1edbn gi\u1ea3m \u0111\u01b0\u1ee3c 2% chi ph\u00ed so v\u1edbi s\u1ea3n xu\u1ea5t nh\u1ecf l\u1ebb).<\/p>\n

Th\u1ef1c t\u1ebf hi\u1ec7n nay, n\u00f4ng d\u00e2n s\u1ea3n xu\u1ea5t theo ki\u1ec3u m\u1ea1nh ai n\u1ea5y l\u00e0m, kh\u00f4ng c\u00f3 li\u00ean k\u1ebft. C\u00e0 ph\u00ea, cao su , h\u1ed3 ti\u00eau\u2026 c\u00f3 d\u1ea5u hi\u1ec7u t\u1ed1t th\u00ec \u0111\u1ed5 x\u00f4 v\u00e0o l\u00e0m, kh\u00f4ng c\u00f3 qui ho\u1ea1ch, d\u1eabn t\u1edbi v\u1ee1 n\u1ee3 kh\u00f4ng tr\u1ea3 \u0111\u01b0\u1ee3c n\u1ee3… Do v\u1eady, \u0111\u1ec3 c\u00f3 ch\u00ednh s\u00e1ch t\u00edn d\u1ee5ng hi\u1ec7u qu\u1ea3 th\u00ec ph\u1ea3i c\u00f3 quy ho\u1ea1ch t\u1eebng nh\u00f3m ng\u00e0nh, t\u1eebng v\u00f9ng s\u1ea3n xu\u1ea5t c\u1ee5 th\u1ec3, c\u00f3 s\u1ef1 li\u00ean k\u1ebft t\u1eeb \u0111\u1ea7u v\u00e0o t\u1edbi \u0111\u1ea7u ra, khi \u0111\u00f3 t\u00edn d\u1ee5ng s\u1ebd b\u1ec1n v\u1eefng, th\u1eadm ch\u00ed kh\u00f4ng c\u1ea7n th\u1ebf ch\u1ea5p ng\u00e2n h\u00e0ng v\u1eabn c\u00f3 th\u1ec3 cho vay \u0111\u1ec3 ph\u1ee5c v\u1ee5 cho s\u1ea3n xu\u1ea5t. Tr\u00ean c\u01a1 s\u1edf thanh kho\u1ea3n \u0111\u01b0\u1ee3c c\u1ea3i thi\u1ec7n, m\u1eb7t b\u1eb1ng l\u00e3i su\u1ea5t \u1ed5n \u0111\u1ecbnh v\u00e0 c\u00f3 chi\u1ec1u h\u01b0\u1edbng gi\u1ea3m, \u0111\u1ec3 h\u1ed7 tr\u1ee3 s\u1ef1 ph\u00e1t tri\u1ec3n n\u00f4ng nghi\u1ec7p n\u00f4ng th\u00f4n,\u00a0\u00a0NHNN \u0111\u00e3 d\u00e0nh ra m\u1ed9t kho\u1ea3n ti\u1ec1n nh\u1ea5t \u0111\u1ecbnh h\u01b0\u1edbng v\u00e0o c\u00e1c m\u1ee5c ti\u00eau: cho vay \u1ee9ng d\u1ee5ng\u00a0c\u00f4ng ngh\u1ec7 cao<\/a>, m\u00f4 h\u00ecnh s\u1ea3n xu\u1ea5t m\u1edbi quy m\u00f4 l\u1edbn v\u00e0 ph\u1ee5c v\u1ee5 ho\u1ea1t \u0111\u1ed9ng xu\u1ea5t kh\u1ea9u s\u1ea3n ph\u1ea9m n\u00f4ng nghi\u1ec7p.<\/p>\n

Theo h\u01b0\u1edbng n\u00e0y, m\u1ed9t quy tr\u00ecnh cho vay kh\u00e9p k\u00edn \u0111\u1ed1i v\u1edbi DN \u0111\u1ee9ng \u0111\u1ea7u chu\u1ed7i s\u1ebd ra \u0111\u1eddi nh\u1eb1m t\u1eebng b\u01b0\u1edbc thay th\u1ebf ki\u1ec3u cho vay r\u1ea3i r\u00e1c nh\u01b0 tr\u01b0\u1edbc. Nh\u1edd \u0111\u00f3, s\u1ebd kh\u1eafc ph\u1ee5c t\u00ecnh tr\u1ea1ng ng\u00e2n h\u00e0ng n\u00e0y cho vay s\u1ea3n xu\u1ea5t, ng\u00e2n h\u00e0ng kia cho vay ch\u1ebf bi\u1ebfn, xu\u1ea5t kh\u1ea9u, ch\u1ec9 c\u1ea7n m\u1ed9t kho\u1ea3n vay \u1edf kh\u00e2u n\u00e0y r\u1ee7i ro l\u00e0 k\u00e9o theo r\u1ee7i ro \u1edf c\u00e1c kho\u1ea3n vay kh\u00e1c. \u0110\u00e2y s\u1ebd l\u00e0 ch\u01b0\u01a1ng tr\u00ecnh th\u00ed \u0111i\u1ec3m v\u00e0 s\u1ebd tri\u1ec3n khai ngay trong qu\u00fd 1 n\u00e0y, nh\u1eb1m t\u1ea1o \u0111i\u1ec1u ki\u1ec7n cho ho\u1ea1t \u0111\u1ed9ng s\u1ea3n xu\u1ea5t kinh doanh khu v\u1ef1c tam n\u00f4ng\u2026<\/p>\n\n\n\n
\u0110\u1ec3 ch\u00ednh s\u00e1ch t\u00edn d\u1ee5ng ph\u00e1t huy hi\u1ec7u qu\u1ea3 v\u1edbi s\u1ea3n xu\u1ea5t n\u00f4ng nghi\u1ec7p th\u00ec kh\u00f4ng ch\u1ec9 1 x\u00e3, m\u1ed9t h\u1ed9 d\u00e2n hay 1 d\u1ef1 \u00e1n l\u00e0 xong m\u00e0 ph\u1ea3i l\u00e0m \u0111\u1ed3ng b\u1ed9.<\/em><\/strong><\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n

 <\/p>\n

T.Anh, B.T\u00fa, P.H\u00e0<\/strong>\u00a0th\u1ef1c hi\u1ec7n<\/em><\/p>\n

————————————–<\/p>\n

Di\u1ec5n \u0111\u00e0n Doanh nghi\u1ec7p (To\u1ea1 \u0111\u00e0n) 12-3-2014:<\/em><\/strong><\/p>\n

http:\/\/dddn.com.vn\/toa-dam\/goi-tin-dung-canh-dong-mau-lon-cach-nao-de-ngan-hang-mo-hau-bao–20140311021252248.htm<\/em><\/p>\n

(490\/2.042)","protected":false},"excerpt":{"rendered":"

(D\u0110DN) –\u00a0\u00a0NHNN s\u1eafp \u0111\u01b0a ra \u201cch\u01b0\u01a1ng tr\u00ecnh t\u00edn d\u1ee5ng c\u00e1nh \u0111\u1ed3ng m\u1eabu l\u1edbn\u201d v\u1edbi mong mu\u1ed1n c\u00f3 s\u1ef1 \u0111\u1ed9t ph\u00e1 trong ch\u00ednh s\u00e1ch t\u00edn d\u1ee5ng tam n\u00f4ng n\u0103m 2014. Tuy nhi\u00ean, nhi\u1ec1u ng\u01b0\u1eddi \u0111\u1eb7t c\u00e2u h\u1ecfi: c\u00e1c ng\u00e2n h\u00e0ng d\u00e1m m\u1ea1nh d\u1ea1n m\u1edf h\u1ea7u bao, khi m\u00e0 r\u1ee7i ro trong s\u1ea3n xu\u1ea5t n\u00f4ng nghi\u1ec7p \u0111\u01b0\u1ee3c […]<\/p>\n","protected":false},"author":1,"featured_media":21584,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":""},"categories":[27,26],"tags":[],"class_list":["post-23122","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-interviews","category-legal-media"],"acf":[],"yoast_head":"\n450. 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