{"id":24050,"date":"2020-05-22T11:32:04","date_gmt":"2020-05-22T04:32:04","guid":{"rendered":"https:\/\/anvilaw.com\/vi\/?p=24050"},"modified":"2022-05-31T11:36:06","modified_gmt":"2022-05-31T04:36:06","slug":"2-526-ngan-hang-dang-o-the-tien-thoai-luong-nan","status":"publish","type":"post","link":"https:\/\/anvilaw.com\/vi\/2-526-ngan-hang-dang-o-the-tien-thoai-luong-nan\/","title":{"rendered":"2.526. Ng\u00e2n h\u00e0ng \u0111ang \u1edf th\u1ebf “Ti\u1ebfn tho\u00e1i l\u01b0\u1ee1ng nan”?"},"content":{"rendered":"(TBKD) – Ng\u00e2n h\u00e0ng gi\u1ea3m l\u00e3i su\u1ea5t cho vay v\u00e0 mu\u1ed1n \u0111\u1ea9y nhanh t\u0103ng tr\u01b0\u1edfng t\u00edn d\u1ee5ng, nh\u01b0ng nh\u01b0 v\u1eady l\u1ea1i ti\u1ec1m \u1ea9n r\u1ee7i ro, v\u1eady c\u00f3 ngh\u1ecbch l\u00fd \u1edf \u0111\u00e2y hay kh\u00f4ng?<\/strong><\/p>\n

\"\"<\/p>\n

Lu\u1eadt s\u01b0 Tr\u01b0\u01a1ng Thanh \u0110\u1ee9c,\u00a0Gi\u00e1m \u0111\u1ed1c C\u00f4ng ty Lu\u1eadt ANVI\u00a0<\/em>cho r\u1eb1ng, \u0111\u00e1ng l\u1ebd ng\u00e2n h\u00e0ng c\u1ea7n h\u1ea1n ch\u1ebf cho vay, t\u0103ng l\u00e3i su\u1ea5t \u0111\u1ec3 gi\u1ea3m r\u1ee7i ro nh\u01b0ng v\u00ec nhi\u1ec1u nguy\u00ean nh\u00e2n, h\u1ecd \u0111ang bu\u1ed9c ph\u1ea3i ch\u1ea5p nh\u1eadn t\u0103ng c\u01b0\u1eddng cho vay, h\u1ea1 l\u00e3i su\u1ea5t, gi\u1ea3m ph\u00ed. T\u00ecnh tr\u1ea1ng n\u00e0y c\u00f3 th\u1ec3 d\u1eabn \u0111\u1ebfn r\u1ee7i ro c\u1ee7a ng\u00e2n h\u00e0ng, v\u00ec v\u1eady, c\u1ea7n c\u00f3 nh\u1eefng gi\u1ea3i ph\u00e1p \u0111\u1ebfn t\u1eeb Ng\u00e2n h\u00e0ng th\u01b0\u01a1ng m\u1ea1i, c\u01a1 quan qu\u1ea3n l\u00fd \u0111\u1ec3 th\u1eaft ch\u1eb7t, ki\u1ec3m so\u00e1t r\u1ee7i ro ch\u1ee9 kh\u00f4ng n\u00ean hi v\u1ecdng gi\u1ea3m l\u00e3i su\u1ea5t h\u01a1n n\u1eefa.<\/p>\n

Kh\u00f4ng h\u1ea1 chu\u1ea9n l\u00e0 bi\u1ec7n ph\u00e1p h\u1ed7 tr\u1ee3 l\u00e2u d\u00e0i<\/strong><\/p>\n

Chu\u1ea9n t\u00edn d\u1ee5ng l\u00e0 m\u1ed9t \u0111i\u1ec1u ki\u1ec7n \u0111\u1ec3 ng\u00e2n h\u00e0ng b\u1ea3o \u0111\u1ea3m an to\u00e0n ngu\u1ed3n v\u1ed1n, v\u1eeba \u0111\u00e1p \u1ee9ng \u0111\u00fang ch\u1ec9 \u0111\u1ea1o v\u1ec1 h\u1ea1 l\u00e3i su\u1ea5t m\u00e0 v\u1eabn t\u0103ng tr\u01b0\u1edfng.<\/p>\n

Tuy nhi\u00ean, n\u0103m nay c\u00f3 m\u1ed9t s\u1ed1 ngh\u1ecbch l\u00fd \u0111\u00e3 v\u00e0 \u0111ang x\u1ea3y ra \u0111\u00f3 l\u00e0 c\u00e1c ng\u00e2n h\u00e0ng ph\u1ea3i c\u1eaft gi\u1ea3m l\u1ee3i nhu\u1eadn t\u1eeb 30 – 40 ngh\u00ecn t\u1ef7 \u0111\u1ed3ng \u0111\u1ec3 x\u00e2y d\u1ef1ng c\u00e1c g\u00f3i h\u1ed7 tr\u1ee3, gi\u1ea3m l\u00e3i su\u1ea5t \u201cc\u1ee9u\u201d doanh nghi\u1ec7p v\u00e0 ng\u01b0\u1eddi d\u00e2n b\u1ecb \u1ea3nh h\u01b0\u1edfng b\u1edfi Covid-19.C\u00e2u h\u1ecfi \u0111\u1eb7t ra l\u00e0 c\u00f3 ph\u1ea3i h\u1ec7 th\u1ed1ng ng\u00e2n h\u00e0ng \u0111ang l\u00e0m qu\u00e1 nhi\u1ec1u ch\u00ednh s\u00e1ch?<\/p>\n

\u0110\u1ec3 tr\u1ea3 l\u1eddi c\u00e2u h\u1ecfi n\u00e0y, c\u00e1c chuy\u00ean gia n\u00f3i r\u1eb1ng, th\u1ef1c ra h\u1ec7 th\u1ed1ng ng\u00e2n h\u00e0ng bu\u1ed9c ph\u1ea3i l\u00e0m \u0111\u1ec3 c\u1ee9u doanh nghi\u1ec7p, ng\u01b0\u1eddi d\u00e2n c\u0169ng l\u00e0 c\u1ee9u m\u00ecnh.<\/p>\n

Tuy nhi\u00ean, l\u00e0m th\u1ebf n\u00e0o \u0111\u1ec3 \u0111\u1ea3m b\u1ea3o an to\u00e0n cho ho\u1ea1t \u0111\u1ed9ng ng\u00e2n h\u00e0ng? \u0110\u00f3 l\u00e0 kh\u00f4ng \u0111\u01b0\u1ee3c h\u1ea1 chu\u1ea9n t\u00edn d\u1ee5ng. Theo TS C\u1ea5n V\u0103n L\u1ef1c, chuy\u00ean gia ng\u00e0nh ng\u00e2n h\u00e0ng, ng\u00e2n h\u00e0ng c\u00f3 th\u1ec3 v\u1eabn gi\u00e3n, ho\u00e3n n\u1ee3 nh\u01b0ng kh\u00f4ng \u0111\u01b0\u1ee3c n\u1edbi l\u1ecfng qu\u00e1 ti\u00eau chu\u1ea9n cho vay v\u1ed1n, b\u1edfi nh\u01b0 th\u1ebf ti\u1ec1m \u1ea9n r\u1ee7i ro l\u00e2u d\u00e0i cho c\u1ea3 ng\u00e2n h\u00e0ng, ch\u00ednh ph\u1ee7, doanh nghi\u1ec7p. \u201cKh\u00f4ng h\u1ea1 chu\u1ea9n t\u00edn d\u1ee5ng c\u0169ng l\u00e0 h\u1ed7 tr\u1ee3 l\u00e2u d\u00e0i cho doanh nghi\u1ec7p\u201d, \u00f4ng L\u1ef1c nh\u1ea5n m\u1ea1nh.<\/p>\n

Th\u1ee9 hai l\u00e0, v\u1eabn ph\u1ea3i tu\u00e2n th\u1ee7 c\u00e1c nguy\u00ean t\u1eafc th\u1ecb tr\u01b0\u1eddng, kh\u00f4ng \u0111\u01b0\u1ee3c can thi\u1ec7p c\u1ee7a c\u00e1c c\u01a1 quan qu\u1ea3n l\u00fd. B\u1edfi \u0111\u00e2y l\u00e0 c\u00e2u chuy\u1ec7n quan h\u1ec7 t\u00edn d\u1ee5ng, th\u01b0\u01a1ng m\u1ea1i.<\/p>\n

Hi\u1ec7n m\u1eb7t b\u1eb1ng l\u00e3i su\u1ea5t huy \u0111\u1ed9ng sau \u0111i\u1ec1u ch\u1ec9nh c\u1ee7a TCTD ph\u1ed5 bi\u1ebfn \u1edf m\u1ee9c 0,1- 0,2%\/n\u0103m \u0111\u1ed1i v\u1edbi ti\u1ec1n g\u1eedi kh\u00f4ng k\u1ef3 h\u1ea1n v\u00e0 c\u00f3 k\u1ef3 h\u1ea1n d\u01b0\u1edbi 1 th\u00e1ng; 4-4,25%\/n\u0103m \u0111\u1ed1i v\u1edbi ti\u1ec1n g\u1eedi c\u00f3 k\u1ef3 h\u1ea1n t\u1eeb 1 \u0111\u1ebfn d\u01b0\u1edbi 6 th\u00e1ng; 5,1-6,6%\/n\u0103m \u0111\u1ed1i v\u1edbi ti\u1ec1n g\u1eedi c\u00f3 k\u1ef3 h\u1ea1n t\u1eeb 6 th\u00e1ng \u0111\u1ebfn d\u01b0\u1edbi 12 th\u00e1ng, k\u1ef3 h\u1ea1n t\u1eeb 12 th\u00e1ng tr\u1edf l\u00ean \u1edf m\u1ee9c 6,6-7,4%\/n\u0103m. C\u00e1c TCTD \u00e1p d\u1ee5ng l\u00e3i su\u1ea5t cho vay t\u1ed1i \u0111a \u0111\u1ed1i v\u1edbi kh\u00e1ch h\u00e0ng thu\u1ed9c c\u00e1c l\u0129nh v\u1ef1c \u01b0u ti\u00ean hi\u1ec7n \u1edf m\u1ee9c 5%\/n\u0103m.<\/p>\n

C\u00f3 th\u1ec3 th\u1ea5y, m\u1eb7t b\u1eb1ng l\u00e3i su\u1ea5t cho vay \u0111\u00e3 gi\u1ea3m t\u1eeb 1-2%\/n\u0103m so v\u1edbi \u0111\u1ea7u n\u0103m. Tuy nhi\u00ean, t\u0103ng tr\u01b0\u1edfng t\u00edn d\u1ee5ng v\u1eabn r\u1ea5t th\u1ea5p so v\u1edbi c\u00f9ng k\u1ef3 nh\u1eefng n\u0103m tr\u01b0\u1edbc. Do \u0111\u00f3, ng\u00e2n h\u00e0ng mu\u1ed1n \u0111\u1ea9y nhanh t\u0103ng tr\u01b0\u1edfng t\u00edn d\u1ee5ng, nh\u01b0ng nh\u01b0 v\u1eady l\u1ea1i ti\u1ec1m \u1ea9n r\u1ee7i ro, v\u1eady c\u00f3 ngh\u1ecbch l\u00fd \u1edf \u0111\u00e2y hay kh\u00f4ng?<\/p>\n

T\u00edn d\u1ee5ng s\u1ebd t\u0103ng t\u1ed1c trong qu\u00fd II<\/strong><\/p>\n

Lu\u1eadt s\u01b0 Tr\u01b0\u01a1ng Thanh \u0110\u1ee9c cho r\u1eb1ng c\u00e2u chuy\u1ec7n v\u01b0\u1edbng m\u1eafc ngh\u1ecbch l\u00fd kh\u00f4ng ph\u1ea3i gi\u1edd m\u1edbi x\u1ea3y ra, n\u1ec1n kinh t\u1ebf Vi\u1ec7t Nam kh\u00f4ng ho\u00e0n to\u00e0n theo th\u1ecb tr\u01b0\u1eddng, c\u1ed9ng v\u1edbi nhi\u1ec1u v\u01b0\u1edbng m\u1eafc kh\u00e1c t\u1ea1o ra \u0111i\u1ec1u n\u00e0y. C\u00f3 th\u1eddi k\u1ef3 t\u1ea5t c\u1ea3 l\u00e3i su\u1ea5t b\u1eb1ng nhau, hay c\u00f3 tr\u01b0\u1eddng h\u1ee3p l\u00e3i su\u1ea5t ng\u1eafn h\u1ea1n cao h\u01a1n d\u00e0i h\u1ea1n\u2026<\/p>\n

\u1ede th\u1eddi \u0111i\u1ec3m n\u00e0y \u0111\u00e1ng l\u1ebd ng\u00e2n h\u00e0ng c\u1ea7n h\u1ea1n ch\u1ebf cho vay, th\u1eadm ch\u00ed t\u0103ng l\u00e3i su\u1ea5t \u0111\u1ec3 gi\u1ea3m r\u1ee7i ro nh\u01b0ng v\u00ec nhi\u1ec1u nguy\u00ean nh\u00e2n m\u00e0 ng\u00e2n h\u00e0ng \u0111ang bu\u1ed9c ph\u1ea3i ch\u1ea5p nh\u1eadn t\u0103ng c\u01b0\u1eddng cho vay, h\u1ea1 l\u00e3i su\u1ea5t, gi\u1ea3m ph\u00ed. Th\u1eadm ch\u00ed c\u00f3 th\u1ec3 \u00edt nhi\u1ec1u \u1ea3nh h\u01b0\u1edfng \u0111\u1ebfn c\u1ea3 \u0111i\u1ec1u ki\u1ec7n cho vay. Do \u0111\u00f3, r\u1ee7i ro c\u1ee7a ng\u00e2n h\u00e0ng \u0111ang hi\u1ec7n h\u1eefu.<\/p>\n

B\u1eb1ng ch\u1ee9ng l\u00e0 b\u00e1o c\u00e1o t\u00e0i ch\u00ednh qu\u00fd I c\u1ee7a nhi\u1ec1u ng\u00e2n h\u00e0ng, t\u1ef7 l\u1ec7 n\u1ee3 x\u1ea5u t\u0103ng m\u1ea1nh, c\u00f9ng v\u1edbi \u0111\u00f3 c\u00e1c nh\u00e0 b\u0103ng c\u0169ng gia t\u0103ng tr\u00edch l\u1eadp d\u1ef1 ph\u00f2ng r\u1ee7i ro.<\/p>\n

\u201cCh\u1eafc ch\u1eafn s\u1ebd ph\u1ea3i c\u00f3 nh\u1eefng gi\u1ea3i ph\u00e1p \u0111\u1ebfn t\u1eeb ng\u00e2n h\u00e0ng th\u01b0\u01a1ng m\u1ea1i, \u0111\u1ebfn t\u1eeb c\u01a1 quan qu\u1ea3n l\u00fd \u0111\u1ec3 th\u1eaft ch\u1eb7t, ki\u1ec3m so\u00e1t r\u1ee7i ro ch\u1ee9 kh\u00f4ng hi v\u1ecdng gi\u1ea3m l\u00e3i su\u1ea5t h\u01a1n \u0111\u01b0\u1ee3c n\u1eefa\u201d, \u00f4ng \u0110\u1ee9c n\u00f3i.<\/p>\n

M\u1eb7c d\u00f9 t\u00edn d\u1ee5ng qu\u00fd \u0111\u1ea7u n\u0103m t\u0103ng tr\u01b0\u1edfng th\u1ea5p song nhu c\u1ea7u v\u1ed1n \u0111\u00e3 b\u1eaft \u0111\u1ea7u t\u0103ng tr\u1edf l\u1ea1i t\u1eeb \u0111\u1ea7u th\u00e1ng 4, v\u1edbi t\u0103ng tr\u01b0\u1edfng t\u00edn d\u1ee5ng \u0111\u1ebfn h\u1ebft th\u00e1ng 4 l\u00e0 1,32%. \u0110\u1ebfn th\u00e1ng 5, theo s\u1ed1 li\u1ec7u do NHNN c\u1eadp nh\u1eadt cho th\u1ea5y \u0111\u00e3 t\u0103ng t\u01b0\u01a1ng \u0111\u1ed1i t\u1ed1t.<\/p>\n

Chuy\u00ean gia C\u1ea5n V\u0103n L\u1ef1c cho bi\u1ebft trong th\u00e1ng 4, t\u00edn d\u1ee5ng c\u00f3 t\u0103ng tr\u1edf l\u1ea1i nh\u01b0ng kh\u00f4ng \u0111\u00e1ng k\u1ec3 v\u00ec c\u00f2n \u0111ang gi\u00e3n c\u00e1ch x\u00e3 h\u1ed9i. Nh\u01b0ng th\u1eddi gian g\u1ea7n \u0111\u00e2y, huy \u0111\u1ed9ng v\u1ed1n v\u00e0 t\u00edn d\u1ee5ng \u0111\u00e3 s\u00f4i \u0111\u1ed9ng tr\u1edf l\u1ea1i. Kh\u1ea3 n\u0103ng b\u1eadt l\u00f2 xo l\u00e0 kh\u00e1 l\u1edbn, nh\u01b0ng s\u1ebd ch\u1ee7 y\u1ebfu trong n\u1ed9i \u0111\u1ecba. Th\u1ecb tr\u01b0\u1eddng n\u1ed9i \u0111\u1ecba c\u1ee7a ch\u00fang ta c\u0169ng r\u1ea5t l\u1edbn v\u00e0 ti\u1ec1m n\u0103ng. Ti\u00eau d\u00f9ng c\u00e1 nh\u00e2n c\u1ee7a Vi\u1ec7t Nam r\u1ea5t l\u1edbn, t\u01b0\u01a1ng \u0111\u01b0\u01a1ng 80% GDP. Do \u0111\u00f3, n\u1ebfu c\u00f3 bi\u1ec7n ph\u00e1p k\u00edch c\u1ea7u trong n\u01b0\u1edbc, bao g\u1ed3m c\u1ea3 ti\u00eau d\u00f9ng n\u1ed9i \u0111\u1ecba th\u00ec kh\u1ea3 n\u0103ng t\u0103ng tr\u01b0\u1edfng nhanh h\u01a1n.<\/p>\n

Chuy\u00ean gia n\u00e0y d\u1ef1 b\u00e1o t\u00edn d\u1ee5ng s\u1ebd ti\u1ebfp t\u1ee5c t\u0103ng tr\u1edf l\u1ea1i, \u0111\u1ebfn h\u1ebft qu\u00fd 2 s\u1ebd \u0111\u1ea1t kho\u1ea3ng 3,5-4%, v\u00e0 h\u1ebft n\u0103m s\u1ebd \u0111\u1ea1t kho\u1ea3ng 9-10%.<\/p>\n

“N\u1ebfu t\u0103ng tr\u01b0\u1edfng GDP n\u0103m nay ph\u1ea5n \u0111\u1ea5u \u0111\u1ea1t 4-5%, th\u00ec t\u00edn d\u1ee5ng kho\u1ea3ng 9-10%, g\u1ea5p h\u01a1n 2 l\u1ea7n m\u1ee9c t\u0103ng GDP l\u00e0 t\u01b0\u01a1ng \u0111\u1ed1i ph\u00f9 h\u1ee3p v\u00e0 c\u0169ng l\u00e0 con s\u1ed1 cao nh\u1ea5t khu v\u1ef1c. Nhu c\u1ea7u v\u1ec1 v\u1ed1n c\u1ee7a ng\u01b0\u1eddi d\u00e2n v\u00e0 doanh nghi\u1ec7p \u0111ang ph\u1ee5c h\u1ed3i tr\u1edf l\u1ea1i v\u00e0 s\u1ebd t\u0103ng l\u00ean trong th\u1eddi gian t\u1edbi, m\u1ee9c t\u0103ng l\u00e0 t\u01b0\u01a1ng \u0111\u1ed1i l\u1edbn v\u00ec ph\u00e1t tri\u1ec3n kinh t\u1ebf x\u00e3 h\u1ed9i c\u1ee7a ch\u00fang ta \u0111ang \u1edf m\u1ee9c t\u01b0\u01a1ng \u0111\u1ed1i cao so v\u1edbi khu v\u1ef1c”, \u00f4ng ph\u00e2n t\u00edch th\u00eam.<\/p>\n

Huy\u1ec1n Anh<\/em><\/p>\n

\u2014\u2014\u2014\u2014<\/strong><\/p>\n

TB Kinh doanh (T\u00e0i ch\u00ednh) 22-5-2020:<\/em><\/strong><\/p>\n

https:\/\/thoibaokinhdoanh.vn\/ngan-hang\/ngan-hang-dang-o-the-tien-thoai-luong-nan-1068743.html<\/em><\/a><\/p>\n

(297\/1.045)<\/em>","protected":false},"excerpt":{"rendered":"

(TBKD) – Ng\u00e2n h\u00e0ng gi\u1ea3m l\u00e3i su\u1ea5t cho vay v\u00e0 mu\u1ed1n \u0111\u1ea9y nhanh t\u0103ng tr\u01b0\u1edfng t\u00edn d\u1ee5ng, nh\u01b0ng nh\u01b0 v\u1eady l\u1ea1i ti\u1ec1m \u1ea9n r\u1ee7i ro, v\u1eady c\u00f3 ngh\u1ecbch l\u00fd \u1edf \u0111\u00e2y hay kh\u00f4ng? Lu\u1eadt s\u01b0 Tr\u01b0\u01a1ng Thanh \u0110\u1ee9c,\u00a0Gi\u00e1m \u0111\u1ed1c C\u00f4ng ty Lu\u1eadt ANVI\u00a0cho r\u1eb1ng, \u0111\u00e1ng l\u1ebd ng\u00e2n h\u00e0ng c\u1ea7n h\u1ea1n ch\u1ebf cho vay, t\u0103ng l\u00e3i […]<\/p>\n","protected":false},"author":3,"featured_media":23932,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":""},"categories":[17,26],"tags":[],"class_list":["post-24050","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-binh-luan-gop-y","category-legal-media"],"acf":[],"yoast_head":"\n2.526. Ng\u00e2n h\u00e0ng \u0111ang \u1edf th\u1ebf "Ti\u1ebfn tho\u00e1i l\u01b0\u1ee1ng nan"? - 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\/2-526-ngan-hang-dang-o-the-tien-thoai-luong-nan\/\" \/>\n<meta property=\"og:locale\" content=\"vi_VN\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"[:vi]2.526. Ng\u00e2n h\u00e0ng \u0111ang \u1edf th\u1ebf "Ti\u1ebfn tho\u00e1i l\u01b0\u1ee1ng nan"?[:] - ANVI Law Firm\" \/>\n<meta property=\"og:description\" content=\"(TBKD) – Ng\u00e2n h\u00e0ng gi\u1ea3m l\u00e3i su\u1ea5t cho vay v\u00e0 mu\u1ed1n \u0111\u1ea9y nhanh t\u0103ng tr\u01b0\u1edfng t\u00edn d\u1ee5ng, nh\u01b0ng nh\u01b0 v\u1eady l\u1ea1i ti\u1ec1m \u1ea9n r\u1ee7i ro, v\u1eady c\u00f3 ngh\u1ecbch l\u00fd \u1edf \u0111\u00e2y hay kh\u00f4ng? 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