{"id":23210,"date":"2012-11-05T15:58:41","date_gmt":"2012-11-05T08:58:41","guid":{"rendered":"https:\/\/anvilaw.com\/vi\/?p=23210"},"modified":"2022-05-24T16:01:51","modified_gmt":"2022-05-24T09:01:51","slug":"230-giai-quyet-nut-that-cua-tang-truong-tin-dung","status":"publish","type":"post","link":"https:\/\/anvilaw.com\/vi\/230-giai-quyet-nut-that-cua-tang-truong-tin-dung\/","title":{"rendered":"230. Gi\u1ea3i quy\u1ebft n\u00fat th\u1eaft c\u1ee7a t\u0103ng tr\u01b0\u1edfng t\u00edn d\u1ee5ng"},"content":{"rendered":"(TBNH) – N\u1ebfu h\u00e0ng t\u1ed3n kho kh\u00f4ng \u0111\u01b0\u1ee3c gi\u1ea3i quy\u1ebft, DN kh\u00f4ng c\u00f3 nhu c\u1ea7u m\u1edf r\u1ed9ng SXKD \u2013 m\u00e0 \u0111\u00e2y l\u00e0 k\u00eanh ch\u00ednh, do \u0111\u00f3 ch\u00fang ta mu\u1ed1n h\u01b0\u1edbng t\u00edn d\u1ee5ng v\u00e0o th\u00ec r\u00f5 r\u00e0ng s\u1ebd r\u1ea5t kh\u00f3 kh\u0103n cho vi\u1ec7c TTTD trong nh\u1eefng th\u00e1ng c\u00f2n l\u1ea1i c\u1ee7a n\u0103m nay v\u00e0 c\u1ea3 n\u0103m sau.<\/strong><\/p>\n

Ch\u1ea5t c\u1ea7n, l\u01b0\u1ee3ng c\u0169ng c\u1ea7n<\/strong><\/p>\n

Theo c\u00e1c chuy\u00ean gia trong n\u01b0\u1edbc v\u00e0 qu\u1ed1c t\u1ebf, m\u1ed9t trong nh\u1eefng nguy\u00ean nh\u00e2n khi\u1ebfn n\u1ee3 x\u1ea5u c\u00f3 xu h\u01b0\u1edbng gia t\u0103ng hi\u1ec7n nay l\u00e0 do tr\u01b0\u1edbc \u0111\u00e2y, t\u0103ng tr\u01b0\u1edfng t\u00edn d\u1ee5ng (TTTD) th\u01b0\u1eddng xuy\u00ean \u0111\u01b0\u1ee3c \u0111\u1ea9y ra \u1edf m\u1ee9c cao t\u1edbi tr\u00ean 30%\/n\u0103m. Th\u1ef1c t\u1ebf \u0111\u00f3 cho th\u1ea5y, ch\u1ea5t l\u01b0\u1ee3ng TTTD c\u1ea7n \u0111\u01b0\u1ee3c coi l\u00e0 \u01b0u ti\u00ean h\u00e0ng \u0111\u1ea7u. V\u00ec v\u1eady ngay t\u1eeb \u0111\u1ea7u n\u0103m 2012, NHNN \u0111\u00e3 \u0111\u1eb7t ra m\u1ee5c ti\u00eau TTTD ch\u1eb7t ch\u1ebd h\u01a1n.<\/p>\n

\"\"
\nH\u00e0ng t\u1ed3n kho – n\u00fat th\u1eaft c\u1ee7a t\u0103ng tr\u01b0\u1edfng t\u00edn d\u1ee5ng. (\u1ea2nh: \u0110K)<\/em><\/p>\n

Tuy nhi\u00ean, vi\u1ec7c TTTD \u0111ang t\u1eeb nh\u1eefng m\u1ee9c r\u1ea5t cao tr\u01b0\u1edbc \u0111\u00e2y l\u1ea1i b\u1ecb t\u1ee5t gi\u1ea3m m\u1ea1nh trong n\u0103m nay \u2013 theo d\u1ef1 b\u00e1o c\u1ee7a nhi\u1ec1u chuy\u00ean gia ch\u1ec9 t\u1ed1i \u0111a \u1edf m\u1ee9c 6% – 7% (th\u1ea5p h\u01a1n nhi\u1ec1u so v\u1edbi m\u1ee5c ti\u00eau \u0111\u1ec1 ra \u0111\u1ea7u n\u0103m c\u1ee7a NHNN). \u0110\u00e2y c\u00f3 th\u1ec3 coi l\u00e0 m\u1ed9t c\u00fa s\u1ed1c \u0111\u1ed1i v\u1edbi c\u00e1c DN v\u00e0 n\u1ec1n kinh t\u1ebf. N\u1ebfu TTTD qu\u00e1 th\u1ea5p, v\u1ed1n kh\u00f4ng \u0111\u1ebfn \u0111\u01b0\u1ee3c v\u1edbi c\u00e1c DN trong m\u1ed9t th\u1eddi gian d\u00e0i, th\u00ec nguy c\u01a1 DN g\u1eb7p kh\u00f3 kh\u0103n h\u01a1n trong s\u1ea3n xu\u1ea5t kinh doanh (SXKD), khi\u1ebfn n\u1ee3 b\u00ecnh th\u01b0\u1eddng bi\u1ebfn th\u00e0nh n\u1ee3 x\u1ea5u; d\u1eabn \u0111\u1ebfn t\u1ef7 l\u1ec7 n\u1ee3 x\u1ea5u t\u0103ng m\u1ea1nh h\u01a1n c\u0169ng l\u00e0 \u0111i\u1ec1u c\u1ea7n t\u00ednh \u0111\u1ebfn.<\/p>\n

Nh\u01b0 v\u1eady v\u1ea5n \u0111\u1ec1 \u0111\u1eb7t ra: m\u1ed9t m\u1eb7t, c\u1ea7n t\u0103ng ch\u1ea5t l\u01b0\u1ee3ng t\u00edn d\u1ee5ng, nh\u01b0ng m\u1eb7t kh\u00e1c c\u0169ng c\u1ea7n gi\u1eef TTTD \u1edf m\u1ee9c h\u1ee3p l\u00fd m\u1edbi gi\u00fap c\u00e1c DN v\u01b0\u1ee3t qua \u0111\u01b0\u1ee3c th\u1eddi k\u1ef3 kh\u00f3 kh\u0103n, h\u1ed7 tr\u1ee3 cho t\u0103ng tr\u01b0\u1edfng kinh t\u1ebf. Tuy nhi\u00ean, gi\u1ea3i quy\u1ebft v\u1ea5n \u0111\u1ec1 n\u00e0y kh\u00f4ng d\u1ec5. Theo lu\u1eadt s\u01b0 Tr\u01b0\u01a1ng Thanh \u0110\u1ee9c -Gi\u00e1m \u0111\u1ed1c C\u00f4ng ty Lu\u1eadt ANVI<\/strong>:<\/strong> Kh\u00f4ng nh\u01b0 trong c\u00e1c l\u0129nh v\u1ef1c kh\u00e1c, khi ch\u1ea5t l\u00e0 ch\u1ea5t, l\u01b0\u1ee3ng l\u00e0 l\u01b0\u1ee3ng; trong l\u0129nh v\u1ef1c ng\u00e2n h\u00e0ng, ch\u1ea5t v\u00e0 l\u01b0\u1ee3ng \u201ctr\u1ed9n\u201d l\u1eabn v\u1edbi nhau. V\u1ecb lu\u1eadt s\u01b0 n\u00e0y cho r\u1eb1ng n\u1ee3 x\u1ea5u g\u1ea7n \u0111\u00e2y \u0111\u01b0\u1ee3c nh\u00ecn nh\u1eadn l\u00e0 t\u0103ng l\u00ean m\u1ed9t ph\u1ea7n do \u201cl\u01b0\u1ee3ng\u201d TTTD gi\u1ea3m \u0111i.<\/em><\/p>\n

C\u00f9ng quan \u0111i\u1ec3m n\u00e0y, l\u00e3nh \u0111\u1ea1o c\u1ee7a m\u1ed9t c\u00f4ng ty kinh doanh b\u1ea5t \u0111\u1ed9ng s\u1ea3n \u0111ang c\u00f3 c\u00e1c d\u1ef1 \u00e1n s\u1eafp ho\u00e0n th\u00e0nh cho bi\u1ebft: Hi\u1ec7n nay n\u1ee3 c\u1ee7a c\u00f4ng ty m\u00ecnh v\u1eabn l\u00e0 n\u1ee3 \u201c\u0111\u1eb9p\u201d, nh\u01b0ng n\u1ebfu kh\u00f4ng ti\u1ebfp t\u1ee5c \u0111\u01b0\u1ee3c vay v\u1ed1n \u0111\u1ec3 ho\u00e0n thi\u1ec7n c\u00e1c d\u1ef1 \u00e1n v\u00e0 b\u00e1n ra thu ti\u1ec1n v\u1ec1 th\u00ec ch\u1ec9 m\u1ed9t th\u1eddi gian ng\u1eafn n\u1eefa, n\u1ee3 \u201c\u0111\u1eb9p\u201d tr\u00ean c\u00f3 th\u1ec3 s\u1ebd th\u00e0nh n\u1ee3 qu\u00e1 h\u1ea1n, n\u1ee3 x\u1ea5u.<\/p>\n

Th\u00e1o n\u00fat th\u1eaft SXKD<\/strong><\/p>\n

Nh\u1eefng ng\u00e0y n\u00e0y, tr\u00ean di\u1ec5n \u0111\u00e0n k\u1ef3 h\u1ecdp Qu\u1ed1c h\u1ed9i, \u0111a s\u1ed1 quan \u0111i\u1ec3m c\u1ee7a c\u00e1c \u0111\u1ea1i bi\u1ec3u Qu\u1ed1c h\u1ed9i \u0111\u1ec1u cho r\u1eb1ng, hai n\u00fat th\u1eaft l\u1edbn nh\u1ea5t khi\u1ebfn TTTD kh\u00f3 kh\u0103n l\u00e0 n\u1ee3 x\u1ea5u v\u00e0 h\u00e0ng t\u1ed3n kho. \u0110\u1ed1i v\u1edbi v\u1ea5n \u0111\u1ec1 n\u1ee3 x\u1ea5u th\u00ec NHNN \u0111\u00e3 x\u00e2y d\u1ef1ng xong \u0111\u1ec1 \u00e1n x\u1eed l\u00fd v\u00e0 \u0111ang \u0111\u1ea9y nhanh c\u00e1c bi\u1ec7n ph\u00e1p \u0111\u1ec3 tri\u1ec3n khai. Nh\u01b0ng r\u00f5 r\u00e0ng n\u1ee3 x\u1ea5u kh\u00f4ng ph\u1ea3i ch\u1ec9 l\u00e0 c\u00e2u chuy\u1ec7n gi\u1eefa c\u00e1c ng\u00e2n h\u00e0ng v\u1edbi DN m\u00e0 n\u00f3 c\u00f2n \u0111\u1ebfn t\u1eeb h\u00e0ng t\u1ed3n kho, t\u1eeb th\u1ecb tr\u01b0\u1eddng b\u1ea5t \u0111\u1ed9ng s\u1ea3n b\u1ebf t\u1eafc, t\u1eeb n\u1ee3 \u0111\u1ecdng trong x\u00e2y d\u1ef1ng c\u01a1 b\u1ea3n\u2026<\/p>\n

V\u00ec v\u1eady, m\u1ed9t trong nh\u1eefng v\u1ea5n \u0111\u1ec1 tr\u01b0\u1edbc m\u1eaft v\u00e0 c\u1ea5p b\u00e1ch nh\u1ea5t l\u00fac n\u00e0y c\u00f3 l\u1ebd l\u00e0 ph\u1ea3i t\u00ecm c\u00e1ch th\u00e1o g\u1ee1 n\u00fat th\u1eaft c\u1ee7a SXKD. \u201cN\u1ee3 x\u1ea5u l\u00e0 c\u1ee7a c\u1ea3 n\u1ec1n kinh t\u1ebf n\u00ean mu\u1ed1n gi\u1ea3i quy\u1ebft \u0111\u01b0\u1ee3c th\u00ec \u0111\u1ea7u ti\u00ean l\u00e0 ph\u1ea3i gi\u1ea3i t\u1ecfa \u0111\u01b0\u1ee3c h\u00e0ng t\u1ed3n kho, k\u00edch c\u1ea7u, gia t\u0103ng ti\u00eau th\u1ee5; v\u00e0 k\u00e9o theo \u0111\u00f3 m\u1edbi l\u00e0 gia t\u0103ng s\u1ea3n xu\u1ea5t. Khi ch\u01b0a gi\u1ea3i quy\u1ebft \u0111\u01b0\u1ee3c n\u00fat th\u1eaft \u1ea5y th\u00ec c\u0169ng ch\u01b0a th\u1ec3 n\u00f3i g\u00ec \u0111\u1ebfn t\u0103ng d\u01b0 n\u1ee3 t\u00edn d\u1ee5ng \u0111\u01b0\u1ee3c\u201d \u2013 lu\u1eadt s\u01b0 \u0110\u1ee9c nh\u00ecn nh\u1eadn.<\/em><\/p>\n

\u0110\u1ec3 c\u00f3 th\u1ec3 kh\u01a1i th\u00f4ng t\u00edn d\u1ee5ng cho SXKD th\u00ec v\u1ea5n \u0111\u1ec1 nan gi\u1ea3i \u0111\u1eb7t ra hi\u1ec7n nay l\u00e0 gi\u1ea3i quy\u1ebft v\u1ea5n \u0111\u1ec1 h\u00e0ng t\u1ed3n kho, t\u1ea1o \u201ch\u1ee9ng th\u00fa\u201d cho c\u00e1c DN trong vi\u1ec7c \u0111\u1ea9y m\u1ea1nh m\u1edf r\u1ed9ng SXKD tr\u1edf l\u1ea1i. Theo B\u1ed9 C\u00f4ng Th\u01b0\u01a1ng, ch\u1ec9 s\u1ed1 h\u00e0ng t\u1ed3n kho c\u00f4ng nghi\u1ec7p ch\u1ebf bi\u1ebfn, ch\u1ebf t\u1ea1o \u0111\u1ebfn ng\u00e0y 1\/10\/2012 l\u00e0 20,3%, gi\u1ea3m so v\u1edbi m\u1ee9c 34,9% th\u1eddi \u0111i\u1ec3m 1\/6\/2012. Vi\u1ec7c ch\u1ec9 s\u1ed1 h\u00e0ng t\u1ed3n kho gi\u1ea3m th\u1eddi gian qua \u0111\u01b0\u1ee3c coi l\u00e0 d\u1ea5u hi\u1ec7u t\u00edch c\u1ef1c.<\/p>\n

Tuy nhi\u00ean, ch\u01b0a h\u1eb3n \u0111\u00e1ng m\u1eebng v\u00ec hai l\u00fd do: M\u1ed9t l\u00e0 m\u1ee9c gi\u1ea3m kh\u00f4ng nhi\u1ec1u qua c\u00e1c th\u00e1ng. Hai l\u00e0, theo m\u1ed9t s\u1ed1 chuy\u00ean gia kinh t\u1ebf, m\u1ee9c gi\u1ea3m \u1ea5y ch\u1ee7 y\u1ebfu l\u00e0 v\u00ec c\u00e1c DN kh\u00f4ng s\u1ea3n xu\u1ea5t ho\u1eb7c gi\u1ea3m s\u1ea3n xu\u1ea5t \u0111i \u0111\u00e1ng k\u1ec3. Khi h\u00e0ng s\u1ea3n xu\u1ea5t m\u1edbi kh\u00f4ng t\u0103ng th\u00eam, h\u00e0ng t\u1ed3n b\u00e1n \u0111\u01b0\u1ee3c \u0111i ch\u00fat \u0111\u1ec9nh n\u00ean m\u1edbi gi\u00fap h\u00e0ng t\u1ed3n kho gi\u1ea3m \u0111i nh\u01b0 v\u1eady. Hi\u1ec3u theo ngh\u0129a n\u00e0y th\u00ec vi\u1ec7c h\u00e0ng t\u1ed3n kho gi\u1ea3m \u0111i trong nh\u1eefng th\u00e1ng tr\u1edf l\u1ea1i \u0111\u00e2y l\u00e0 \u0111i\u1ec1u v\u1eeba m\u1eebng, v\u1eeba lo. \u0110i\u1ec1u \u0111\u00f3 cho th\u1ea5y, n\u1ebfu h\u00e0ng t\u1ed3n kho kh\u00f4ng \u0111\u01b0\u1ee3c gi\u1ea3i quy\u1ebft, DN kh\u00f4ng c\u00f3 nhu c\u1ea7u m\u1edf r\u1ed9ng SXKD \u2013 m\u00e0 \u0111\u00e2y l\u00e0 k\u00eanh ch\u00ednh, do \u0111\u00f3 ch\u00fang ta mu\u1ed1n h\u01b0\u1edbng t\u00edn d\u1ee5ng v\u00e0o th\u00ec r\u00f5 r\u00e0ng s\u1ebd r\u1ea5t kh\u00f3 kh\u0103n cho vi\u1ec7c TTTD trong nh\u1eefng th\u00e1ng c\u00f2n l\u1ea1i c\u1ee7a n\u0103m nay v\u00e0 c\u1ea3 n\u0103m sau.<\/p>\n

H\u01b0\u1edbng n\u00e0o cho TTTD 2013?<\/strong><\/p>\n

Nhi\u1ec1u chuy\u00ean gia kinh t\u1ebf nh\u00ecn nh\u1eadn TTTD n\u0103m 2013 s\u1ebd c\u1ea3i thi\u1ec7n h\u01a1n, song kh\u00f4ng nhi\u1ec1u so v\u1edbi n\u0103m nay, do kinh t\u1ebf trong v\u00e0 ngo\u00e0i n\u01b0\u1edbc v\u1eabn kh\u00f3 kh\u0103n. Nhi\u1ec1u d\u1ef1 b\u00e1o cho r\u1eb1ng, v\u1edbi kinh t\u1ebf Vi\u1ec7t Nam c\u0169ng nh\u01b0 m\u1ed9t s\u1ed1 n\u1ec1n kinh t\u1ebf \u0111ang ph\u00e1t tri\u1ec3n v\u00e0 m\u1edbi n\u1ed5i kh\u00e1c, n\u0103m 2012 l\u00e0 \u0111\u00e1y c\u1ee7a kh\u00f3 kh\u0103n, sau \u0111\u00f3 kinh t\u1ebf s\u1ebd h\u1ed3i ph\u1ee5c v\u00e0 d\u1ea7n t\u0103ng tr\u01b0\u1edfng t\u1ed1t h\u01a1n. \u201cTTTD n\u0103m t\u1edbi c\u00f3 th\u1ec3 s\u1ebd cao h\u01a1n n\u0103m nay kho\u1ea3ng 1% – 2%\u201d \u2013 TS. C\u1ea5n V\u0103n L\u1ef1c, chuy\u00ean gia t\u00e0i ch\u00ednh – ng\u00e2n h\u00e0ng nh\u1eadn \u0111\u1ecbnh.<\/p>\n

L\u00fd do m\u00e0 chuy\u00ean gia n\u00e0y \u0111\u01b0a ra l\u00e0 kinh t\u1ebf to\u00e0n c\u1ea7u n\u00f3i chung v\u00e0 Vi\u1ec7t Nam n\u00f3i ri\u00eang s\u1ebd t\u0103ng tr\u01b0\u1edfng t\u1ed1t h\u01a1n trong n\u0103m t\u1edbi. B\u00ean c\u1ea1nh \u0111\u00f3, sang n\u0103m khi c\u00e1c DN, n\u1ebfu \u0111\u00e3 tr\u1ea3i qua \u0111\u01b0\u1ee3c c\u00e1c kh\u00f3 kh\u0103n c\u1ee7a n\u0103m nay s\u1ebd v\u1eefng t\u00e2m h\u01a1n \u0111\u1ec3 ti\u1ebfp t\u1ee5c SXKD. Quan tr\u1ecdng h\u01a1n, khi Ch\u00ednh ph\u1ee7 v\u00e0 c\u00e1c B\u1ed9 ng\u00e0nh li\u00ean quan quy\u1ebft t\u00e2m \u0111\u1ea9y m\u1ea1nh c\u00f4ng cu\u1ed9c t\u00e1i c\u01a1 c\u1ea5u th\u00ec tri\u1ec3n v\u1ecdng kinh t\u1ebf c\u0169ng s\u1ebd r\u00f5 r\u00e0ng v\u00e0 t\u00edch c\u1ef1c h\u01a1n.<\/p>\n

Nhi\u1ec1u \u00fd ki\u1ebfn cho r\u1eb1ng, NHNN v\u1eabn n\u00ean c\u00f3 tr\u1ea7n TTTD chung cho h\u1ec7 th\u1ed1ng trong n\u0103m t\u1edbi tr\u00ean c\u01a1 s\u1edf ph\u00f9 h\u1ee3p h\u00e0i h\u00f2a v\u1edbi c\u00e1c m\u1ee5c ti\u00eau chi ti\u00eau ng\u00e2n s\u00e1ch, t\u00e0i kh\u00f3a. T\u1eeb \u0111\u00f3, ph\u00e2n b\u1ed5 h\u1ea1n m\u1ee9c TTTD cho ph\u00f9 h\u1ee3p v\u1edbi t\u1eebng nh\u00f3m ng\u00e2n h\u00e0ng. Nh\u01b0 v\u1eady s\u1ebd khuy\u1ebfn kh\u00edch \u0111\u01b0\u1ee3c c\u00e1c ng\u00e2n h\u00e0ng thu\u1ed9c di\u1ec7n \u201ckh\u1ecfe m\u1ea1nh\u201d t\u0103ng c\u01b0\u1eddng \u0111\u01b0\u1ee3c kh\u1ea3 n\u0103ng b\u01a1m v\u1ed1n ra n\u1ec1n kinh t\u1ebf, trong khi qu\u1ea3n l\u00fd gi\u00e1m s\u00e1t t\u1ed1t h\u01a1n v\u1edbi c\u00e1c ng\u00e2n h\u00e0ng y\u1ebfu k\u00e9m.<\/p>\n

M\u1ed9t c\u00e1ch c\u1ee5 th\u1ec3 h\u01a1n, lu\u1eadt s\u01b0 \u0110\u1ee9c cho r\u1eb1ng, c\u00f3 th\u1ec3 nghi\u00ean c\u1ee9u \u0111\u01b0a th\u00e0nh 3 nh\u00f3m: Nh\u00f3m th\u1ee9 nh\u1ea5t g\u1ed3m c\u00e1c ng\u00e2n h\u00e0ng y\u1ebfu k\u00e9m nh\u1ea5t th\u00ec \u201cc\u1ea5m\u201d TTTD, th\u1eadm ch\u00ed ph\u1ea3i y\u00eau c\u1ea7u gi\u1ea3m d\u01b0 n\u1ee3; Nh\u00f3m th\u1ee9 2 g\u1ed3m c\u00e1c ng\u00e2n h\u00e0ng \u0111\u01b0\u1ee3c x\u1ebfp tr\u00ean nh\u00f3m th\u1ee9 nh\u1ea5t, th\u00ec ch\u1ec9 cho ph\u00e9p TTTD h\u1ea1n ch\u1ebf \u0111\u1ec3 tr\u00e1nh nguy c\u01a1 r\u1ee7i ro l\u00e2y lan; Nh\u00f3m th\u1ee9 3 g\u1ed3m c\u00e1c ng\u00e2n h\u00e0ng c\u00f3 s\u1ee9c kh\u1ecfe t\u00e0i ch\u00ednh th\u1ef1c s\u1ef1 l\u00e0nh m\u1ea1nh th\u00ec cho TTTD t\u01b0\u01a1ng \u0111\u1ed1i tho\u1ea3i m\u00e1i, tr\u00ean c\u01a1 s\u1edf t\u00ednh to\u00e1n ph\u00f9 h\u1ee3p v\u1edbi t\u1ed5ng th\u1ec3 m\u1ee5c ti\u00eau TTTD chung to\u00e0n h\u1ec7 th\u1ed1ng.<\/em><\/p>\n

C\u00f3 m\u1ed9t s\u1ed1 \u00fd ki\u1ebfn cho r\u1eb1ng, vi\u1ec7c \u0111\u01b0a ra h\u1ea1n m\u1ee9c TTTD v\u1edbi c\u00e1c nh\u00f3m ng\u00e2n h\u00e0ng nh\u01b0 n\u0103m nay g\u1ea7n nh\u01b0 kh\u00f4ng c\u00f3 \u00fd ngh\u0129a v\u00ec c\u00f3 \u201cth\u1ea3\u201d tho\u1ea3i m\u00e1i th\u00ec t\u00edn d\u1ee5ng c\u0169ng kh\u00f4ng t\u0103ng. Tuy nhi\u00ean, \u0111i\u1ec1u n\u00e0y kh\u00f4ng h\u1eb3n \u0111\u00fang. Vi\u1ec7c NHNN \u0111\u1eb7t ra h\u1ea1n m\u1ee9c TTTD cho t\u1eebng nh\u00f3m ng\u00e2n h\u00e0ng tr\u00ean c\u01a1 s\u1edf \u0111\u1ea3m b\u1ea3o m\u1ee5c ti\u00eau chung v\u1eeba \u0111\u1ec3 khuy\u1ebfn kh\u00edch c\u00e1c ng\u00e2n h\u00e0ng n\u1ed7 l\u1ef1c h\u01a1n, nh\u01b0ng c\u0169ng l\u00e0 \u0111\u1ec3 \u0111\u1eb7t tr\u1ea7n TTTD m\u00e0 ch\u00fang ta kh\u00f4ng n\u00ean v\u01b0\u1ee3t qu\u00e1 – nh\u01b0 nh\u1eefng n\u0103m tr\u01b0\u1edbc ch\u00fang ta \u0111\u00e3 m\u1eafc ph\u1ea3i v\u00e0 d\u1eabn \u0111\u1ebfn h\u1ec7 qu\u1ea3 l\u00e0 t\u0103ng tr\u01b0\u1edfng c\u1ee7a n\u1ec1n kinh t\u1ebf l\u1ec7 thu\u1ed9c qu\u00e1 nhi\u1ec1u v\u00e0o TTTD.<\/p>\n

Vi\u1ec7c \u0111\u1eb7t ra c\u00e1c h\u1ea1n m\u1ee9c nh\u01b0 v\u1eady kh\u00f4ng ph\u1ea3i l\u00e0 b\u1eb1ng m\u1ecdi c\u00e1ch \u0111\u1ea1t \u0111\u01b0\u1ee3c m\u00e0 l\u00e0 \u0111\u1ec3 kh\u00f4ng v\u01b0\u1ee3t qu\u00e1. C\u00f2n vi\u1ec7c TTTD n\u0103m nay kh\u00f4ng cao l\u00e0 do c\u00e1c y\u1ebfu t\u1ed1 kh\u00f3 kh\u0103n chung c\u1ee7a n\u1ec1n kinh t\u1ebf trong v\u00e0 ngo\u00e0i n\u01b0\u1edbc, nh\u01b0 v\u1ea5n \u0111\u1ec1 SXKD \u0111\u00e3 n\u00f3i \u1edf tr\u00ean.<\/p>\n\n\n\n
\u00d4ng Nguy\u1ec5n \u0110\u00ecnh T\u00f9ng, T\u1ed5ng gi\u00e1m \u0111\u1ed1c OCB:<\/strong><\/p>\n

N\u00ean ph\u00e2n ch\u1ec9 ti\u00eau theo x\u1ebfp h\u1ea1ng ng\u00e2n h\u00e0ng<\/strong><\/p>\n

TTTD c\u00f3 th\u1ec3 v\u1eabn ph\u00e2n theo nh\u00f3m. Nh\u01b0ng theo t\u00f4i, sang n\u0103m 2013, khi x\u1ebfp h\u1ea1ng c\u00e1c ng\u00e2n h\u00e0ng ho\u00e0n ch\u1ec9nh h\u01a1n, th\u00ec TTTD n\u00ean g\u1eafn v\u1edbi x\u1ebfp h\u1ea1ng ng\u00e2n h\u00e0ng. Theo \u0111\u00f3, ng\u00e2n h\u00e0ng n\u00e0o c\u00f3 n\u0103ng l\u1ef1c qu\u1ea3n tr\u1ecb r\u1ee7i ro t\u1ed1t h\u01a1n th\u00ec t\u0103ng tr\u01b0\u1edfng nhi\u1ec1u h\u01a1n, c\u00f2n ng\u00e2n h\u00e0ng n\u00e0o n\u0103ng l\u1ef1c qu\u1ea3n tr\u1ecb r\u1ee7i ro th\u1ea5p h\u01a1n th\u00ec t\u0103ng tr\u01b0\u1edfng ch\u1ec9 n\u00ean \u1edf m\u1ee9c ph\u00f9 h\u1ee3p.<\/p>\n

C\u0169ng c\u00f3 \u00fd ki\u1ebfn l\u00e0 ph\u00e2n ch\u1ec9 ti\u00eau TTTD theo t\u1ef7 l\u1ec7 n\u1ee3 x\u1ea5u ng\u00e2n h\u00e0ng. Nh\u01b0ng theo t\u00f4i \u0111\u1ea5y ch\u1ec9 l\u00e0 m\u1ed9t y\u1ebfu t\u1ed1 \u0111\u1ec3 x\u00e9t duy\u1ec7t, ngo\u00e0i ra c\u00f2n nhi\u1ec1u y\u1ebfu t\u1ed1 kh\u00e1c nh\u01b0 qu\u1ea3n l\u00fd r\u1ee7i ro, n\u0103ng l\u1ef1c t\u00e0i ch\u00ednh\u2026<\/p>\n

Vi\u1ec7c ph\u00e2n ch\u1ec9 ti\u00eau t\u00edn d\u1ee5ng t\u01b0\u01a1ng \u0111\u1ed1i nh\u01b0 n\u0103m 2012 c\u0169ng kh\u00f3 cho ng\u00e2n h\u00e0ng nh\u1ecf trong ph\u00e1t tri\u1ec3n. V\u00ec th\u1ebf v\u1eeba qua \u0111\u00e3 c\u00f3 m\u1ed9t s\u1ed1 ng\u00e2n h\u00e0ng xin th\u00eam ch\u1ec9 ti\u00eau TTTD. Nh\u01b0ng qu\u1ea3 th\u1eadt, \u0111\u1ec3 \u0111\u01b0a ra m\u1ee9c TTTD \u201cc\u00f4ng b\u1eb1ng\u201d cho t\u1ea5t c\u1ea3 c\u00e1c ng\u00e2n h\u00e0ng c\u0169ng kh\u00f4ng ph\u1ea3i l\u00e0 \u0111i\u1ec1u d\u1ec5 th\u1ef1c hi\u1ec7n. V\u1edbi OCB, hi\u1ec7n ng\u00e2n h\u00e0ng \u0111ang \u0111\u00e1nh gi\u00e1 kh\u1ea3 n\u0103ng t\u00e0i ch\u00ednh, qu\u1ea3n l\u00fd r\u1ee7i ro\u2026 \u0111\u1ec3 x\u00e1c \u0111\u1ecbnh con s\u1ed1 TTTD cho ph\u00f9 h\u1ee3p.<\/p>\n

C\u00f2n theo t\u00f4i th\u1eddi \u0111i\u1ec3m n\u00e0y qu\u00e1 s\u1edbm \u0111\u1ec3 \u0111\u01b0a ra k\u1ecbch b\u1ea3n TTTD to\u00e0n h\u1ec7 th\u1ed1ng. Hi\u1ec7n Qu\u1ed1c h\u1ed9i v\u1eabn \u0111ang th\u1ea3o lu\u1eadn m\u1ee5c ti\u00eau t\u0103ng tr\u01b0\u1edfng kinh t\u1ebf n\u0103m 2013. Khi x\u00e1c \u0111\u1ecbnh \u0111\u01b0\u1ee3c m\u1ee5c ti\u00eau t\u0103ng tr\u01b0\u1edfng; x\u00e9t tr\u00ean nhi\u1ec1u g\u00f3c \u0111\u1ed9, v\u00ed d\u1ee5 ngu\u1ed3n v\u1ed1n huy \u0111\u1ed9ng kh\u00e1c nhau… m\u1edbi c\u00f3 th\u1ec3 bi\u1ebft s\u1ebd c\u1ea7n bao nhi\u00eau v\u1ed1n cho n\u1ec1n kinh t\u1ebf. T\u1eeb \u0111\u00f3, \u0111\u01b0a ra m\u1ee9c TTTD cho to\u00e0n h\u1ec7 th\u1ed1ng cho ph\u00f9 h\u1ee3p.<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n

\u0110\u1ed7 L\u00ea<\/strong><\/p>\n

\u2014\u2014\u2014\u2014\u2014<\/em><\/p>\n

Th\u1eddi b\u00e1o Ng\u00e2n h\u00e0ng 05-11-2012:<\/em><\/p>\n

http:\/\/www.thoibaonganhang.vn\/tin-tuc\/2-giai-quyet-nut-that-cua-tang-truong-tin-dung-5293.html<\/a><\/em><\/p>\n

 <\/p>\n

 ","protected":false},"excerpt":{"rendered":"

(TBNH) – N\u1ebfu h\u00e0ng t\u1ed3n kho kh\u00f4ng \u0111\u01b0\u1ee3c gi\u1ea3i quy\u1ebft, DN kh\u00f4ng c\u00f3 nhu c\u1ea7u m\u1edf r\u1ed9ng SXKD \u2013 m\u00e0 \u0111\u00e2y l\u00e0 k\u00eanh ch\u00ednh, do \u0111\u00f3 ch\u00fang ta mu\u1ed1n h\u01b0\u1edbng t\u00edn d\u1ee5ng v\u00e0o th\u00ec r\u00f5 r\u00e0ng s\u1ebd r\u1ea5t kh\u00f3 kh\u0103n cho vi\u1ec7c TTTD trong nh\u1eefng th\u00e1ng c\u00f2n l\u1ea1i c\u1ee7a n\u0103m nay v\u00e0 c\u1ea3 n\u0103m sau. […]<\/p>\n","protected":false},"author":3,"featured_media":23211,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":""},"categories":[27,26],"tags":[],"class_list":["post-23210","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-interviews","category-legal-media"],"acf":[],"yoast_head":"\n230. Gi\u1ea3i quy\u1ebft n\u00fat th\u1eaft c\u1ee7a t\u0103ng tr\u01b0\u1edfng t\u00edn d\u1ee5ng - 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\/230-giai-quyet-nut-that-cua-tang-truong-tin-dung\/\" \/>\n<meta property=\"og:locale\" content=\"vi_VN\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"[:vi]230. Gi\u1ea3i quy\u1ebft n\u00fat th\u1eaft c\u1ee7a t\u0103ng tr\u01b0\u1edfng t\u00edn d\u1ee5ng[:] - ANVI Law Firm\" \/>\n<meta property=\"og:description\" content=\"(TBNH) – N\u1ebfu h\u00e0ng t\u1ed3n kho kh\u00f4ng \u0111\u01b0\u1ee3c gi\u1ea3i quy\u1ebft, DN kh\u00f4ng c\u00f3 nhu c\u1ea7u m\u1edf r\u1ed9ng SXKD \u2013 m\u00e0 \u0111\u00e2y l\u00e0 k\u00eanh ch\u00ednh, do \u0111\u00f3 ch\u00fang ta mu\u1ed1n h\u01b0\u1edbng t\u00edn d\u1ee5ng v\u00e0o th\u00ec r\u00f5 r\u00e0ng s\u1ebd r\u1ea5t kh\u00f3 kh\u0103n cho vi\u1ec7c TTTD trong nh\u1eefng th\u00e1ng c\u00f2n l\u1ea1i c\u1ee7a n\u0103m nay v\u00e0 c\u1ea3 n\u0103m sau. 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