{"id":24074,"date":"2020-05-24T13:21:36","date_gmt":"2020-05-24T06:21:36","guid":{"rendered":"https:\/\/anvilaw.com\/vi\/?p=24074"},"modified":"2022-05-31T13:23:25","modified_gmt":"2022-05-31T06:23:25","slug":"2-531-ha-chuan-cho-vay-ngan-hang-se-dung-truoc-nguy-co-kep","status":"publish","type":"post","link":"https:\/\/anvilaw.com\/vi\/2-531-ha-chuan-cho-vay-ngan-hang-se-dung-truoc-nguy-co-kep\/","title":{"rendered":"2.531. H\u1ea1 chu\u1ea9n cho vay ng\u00e2n h\u00e0ng s\u1ebd \u0111\u1ee9ng tr\u01b0\u1edbc nguy c\u01a1 k\u00e9p"},"content":{"rendered":"<strong>(NLM) &#8211; <\/strong><strong>\u0110\u1ec3 v\u1eeba gi\u1ea3i quy\u1ebft kh\u00f3 kh\u0103n cho doanh nghi\u1ec7p v\u00e0 ng\u01b0\u1eddi d\u00e2n nh\u01b0ng kh\u00f4ng \u0111\u01b0\u1ee3c ph\u00e1 v\u1ee1 c\u00e1c ti\u00eau ch\u00ed v\u1ec1 \u0111\u1ea3m b\u1ea3o an to\u00e0n ho\u1ea1t \u0111\u1ed9ng, c\u00e1c t\u1ed5 ch\u1ee9c t\u00edn d\u1ee5ng (TCTD) c\u1ea7n n\u1eafm r\u00f5 th\u1ef1c ch\u1ea5t ho\u1ea1t \u0111\u1ed9ng doanh nghi\u1ec7p \u0111\u1ec3 tr\u00e1nh nh\u1eefng r\u1ee7i ro \u0111\u00e1ng ti\u1ebfc.<\/strong><\/p>\n<p><img loading=\"lazy\" decoding=\"async\" class=\"alignnone size-medium wp-image-24075 img-fluid img-fluid\" src=\"https:\/\/anvilaw.com\/wp-content\/uploads\/2022\/05\/2531-450x257.jpg\" alt=\"\" width=\"450\" height=\"257\" srcset=\"https:\/\/anvilaw.com\/wp-content\/uploads\/2022\/05\/2531-450x257.jpg 450w, https:\/\/anvilaw.com\/wp-content\/uploads\/2022\/05\/2531-768x438.jpg 768w, https:\/\/anvilaw.com\/wp-content\/uploads\/2022\/05\/2531.jpg 1000w\" sizes=\"auto, (max-width: 450px) 100vw, 450px\" \/><\/p>\n<p>Ch\u01b0\u01a1ng tr\u00ecnh t\u00edn d\u1ee5ng 300.000 t\u1ef7 \u0111\u1ed3ng m\u00e0 c\u00e1c ng\u00e2n h\u00e0ng th\u01b0\u01a1ng m\u1ea1i (NHTM) \u0111ang tri\u1ec3n khai \u0111\u1ec3 h\u1ed7 tr\u1ee3 kh\u00e1ch h\u00e0ng b\u1ecb \u1ea3nh h\u01b0\u1edfng do \u0111\u1ea1i d\u1ecbch Covid-19 \u0111\u00e3 b\u01b0\u1edbc \u0111\u1ea7u c\u00f3 nh\u1eefng k\u1ebft qu\u1ea3 khi ghi nh\u1eadn nhi\u1ec1u kh\u00e1ch h\u00e0ng \u0111\u01b0\u1ee3c c\u01a1 c\u1ea5u l\u1ea1i th\u1eddi gian tr\u1ea3 n\u1ee3, l\u00e3i su\u1ea5t \u01b0u \u0111\u00e3i nhi\u1ec1u kho\u1ea3n cho vay m\u1edbi \u0111\u01b0\u1ee3c tri\u1ec3n khai.<\/p>\n<p>Theo Ng\u00e2n h\u00e0ng Nh\u00e0 n\u01b0\u1edbc (NHNN), t\u00ednh \u0111\u1ebfn ng\u00e0y 8\/5, to\u00e0n h\u1ec7 th\u1ed1ng ng\u00e2n h\u00e0ng \u0111\u00e3 c\u01a1 c\u1ea5u l\u1ea1i th\u1eddi h\u1ea1n tr\u1ea3 n\u1ee3 cho tr\u00ean 215.000 kh\u00e1ch h\u00e0ng v\u1edbi d\u01b0 n\u1ee3 130.000 t\u1ef7 \u0111\u1ed3ng; mi\u1ec5n, gi\u1ea3m, h\u1ea1 l\u00e3i su\u1ea5t cho 260.000 kh\u00e1ch h\u00e0ng v\u1edbi d\u01b0 n\u1ee3 tr\u00ean 1 tri\u1ec7u t\u1ef7 \u0111\u1ed3ng; cho vay m\u1edbi l\u00e3i su\u1ea5t \u01b0u \u0111\u00e3i v\u1edbi doanh s\u1ed1 l\u0169y k\u1ebf t\u1eeb ng\u00e0y 23\/1 (ng\u00e0y Vi\u1ec7t Nam c\u00f4ng b\u1ed1 d\u1ecbch Covid- 19) \u0111\u1ebfn nay \u0111\u1ea1t 630.000 t\u1ef7 \u0111\u1ed3ng.<\/p>\n<table width=\"576\">\n<tbody>\n<tr>\n<td width=\"576\"><\/td>\n<\/tr>\n<tr>\n<td width=\"576\"><em>V\u00ec an to\u00e0n h\u1ec7 th\u1ed1ng, ng\u00e2n h\u00e0ng kh\u00f4ng th\u1ec3 h\u1ea1 chu\u1ea9n cho vay<\/em><\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<p>Ng\u00e0y c\u00e0ng nhi\u1ec1u kh\u00e1ch h\u00e0ng l\u00e0 c\u00e1 nh\u00e2n, doanh nghi\u1ec7p\u00a0\u0111\u01b0\u1ee3c h\u01b0\u1edfng ch\u00ednh s\u00e1ch gi\u1ea3m l\u00e3i su\u1ea5t. Vi\u1ec7c n\u00e0y \u0111\u01b0\u1ee3c th\u1ec3 hi\u1ec7n th\u00f4ng qua k\u1ebft qu\u1ea3 gi\u1ea3i ng\u00e2n c\u1ee7a c\u00e1c ng\u00e2n h\u00e0ng t\u1eeb nh\u1eefng g\u00f3i cho vay v\u1edbi l\u00e3i su\u1ea5t \u01b0u \u0111\u00e3i. C\u1ee5 th\u1ec3, t\u1eeb \u0111\u1ea7u n\u0103m 2020 \u0111\u1ebfn nay, BIDV \u0111\u00e3 gi\u1ea3i ng\u00e2n kho\u1ea3ng 35.000 t\u1ef7 \u0111\u1ed3ng v\u1edbi l\u00e3i su\u1ea5t t\u1eeb 6,5%\/n\u0103m, tr\u1ee3 gi\u00fap kh\u00e1ch h\u00e0ng c\u00e1 nh\u00e2n duy tr\u00ec v\u00e0 m\u1edf r\u1ed9ng s\u1ea3n xu\u1ea5t, kinh doanh.<\/p>\n<p>T\u1ea1i Vietcombank, t\u1eeb ng\u00e0y 15\/4, ng\u00e2n h\u00e0ng n\u00e0y tri\u1ec3n khai giai \u0111o\u1ea1n 2 c\u1ee7a g\u00f3i h\u1ed7 tr\u1ee3 v\u00e0 gi\u1ea3m l\u00e3i su\u1ea5t cho vay 5% &#8211; 10% s\u1ed1 ti\u1ec1n l\u00e3i ph\u1ea3i tr\u1ea3 cho ng\u00e2n h\u00e0ng \u0111\u1ed1i v\u1edbi kh\u00e1ch h\u00e0ng b\u1ecb \u1ea3nh h\u01b0\u1edfng tr\u1ef1c ti\u1ebfp b\u1edfi d\u1ecbch Covid- 19.<\/p>\n<p>Tuy \u00a0nhi\u00ean, b\u00ean c\u1ea1nh nh\u1eefng doanh nghi\u1ec7p t\u00ecm \u0111\u01b0\u1ee3c \u201cphao c\u1ee9u sinh\u201d th\u00ec c\u00f3 nh\u1eefng doanh nghi\u1ec7p, \u0111\u1eb7c bi\u1ec7t l\u00e0 DNNVV r\u1ea5t kh\u00f3 th\u1eadm ch\u00ed l\u00e0 kh\u00f4ng th\u1ec3 ti\u1ebfp c\u1eadn \u0111\u01b0\u1ee3c v\u1ed1n vay c\u1ee7a ng\u00e2n h\u00e0ng. Tr\u01b0\u1edbc t\u00ecnh h\u00ecnh tr\u00ean, l\u00e3nh \u0111\u1ea1o nhi\u1ec1u ng\u00e2n h\u00e0ng kh\u1eb3ng \u0111\u1ecbnh, s\u1ebd kh\u00f4ng h\u1ea1 chu\u1ea9n cho vay v\u1edbi nh\u1eefng \u0111\u1ed1i t\u01b0\u1ee3ng kh\u00f4ng \u0111\u00e1p \u1ee9ng \u0111\u1ee7 ti\u00eau chu\u1ea9n.<\/p>\n<p>Theo b\u00e1o c\u00e1o c\u1ee7a NHNN v\u1ec1 \u1ea3nh h\u01b0\u1edfng c\u1ee7a b\u1ec7nh Covid-19 \u0111\u1ed1i v\u1edbi ho\u1ea1t \u0111\u1ed9ng t\u00edn d\u1ee5ng, \u0111\u00e1nh gi\u00e1 s\u01a1 b\u1ed9 \u0111\u1ebfn nay, d\u01b0 n\u1ee3 d\u1ef1 ki\u1ebfn b\u1ecb \u1ea3nh h\u01b0\u1edfng kho\u1ea3ng 2 tri\u1ec7u t\u1ef7 \u0111\u1ed3ng &#8211; chi\u1ebfm kho\u1ea3ng 23% d\u01b0 n\u1ee3 to\u00e0n h\u1ec7 th\u1ed1ng, ti\u1ec1m \u1ea9n r\u1ee7i ro \u0111\u1ed1i v\u1edbi ho\u1ea1t \u0111\u1ed9ng ng\u00e2n h\u00e0ng.<\/p>\n<p>Nh\u01b0 v\u1eady, trong s\u1ed1 n\u00e0y s\u1ebd c\u00f3 nh\u1eefng kho\u1ea3n n\u1ee3 tr\u1edf th\u00e0nh n\u1ee3 x\u1ea5u, t\u1ea1o\u00a0g\u00e1nh n\u1eb7ng \u0111\u1ed1i v\u1edbi ng\u00e2n h\u00e0ng. Tr\u01b0\u1edbc t\u00ecnh h\u00ecnh tr\u00ean, chuy\u00ean gia t\u00e0i ch\u00ednh cho r\u1eb1ng, v\u00ec an to\u00e0n h\u1ec7 th\u1ed1ng, ng\u00e2n h\u00e0ng kh\u00f4ng th\u1ec3 h\u1ea1 chu\u1ea9n cho vay.<\/p>\n<p>V\u1ec1 v\u1ea5n \u0111\u1ec1 n\u00e0y, lu\u1eadt s\u01b0 Tr\u01b0\u01a1ng Thanh \u0110\u1ee9c nh\u1eadn \u0111\u1ecbnh, qua \u0111\u1ee3t d\u1ecbch n\u00e0y, ch\u1eafc ch\u1eafn n\u1ee3 x\u1ea5u s\u1ebd t\u0103ng cao. N\u1ebfu h\u1ea1 chu\u1ea9n cho vay n\u1eefa th\u00ec s\u1ebd d\u1eabn \u0111\u1ebfn nguy c\u01a1 k\u00e9p, h\u1eadu qu\u1ea3 kh\u00f3 l\u01b0\u1eddng.<\/p>\n<p>Lu\u1eadt s\u01b0 Tr\u01b0\u01a1ng Thanh \u0110\u1ee9c,\u00a0<em>Gi\u00e1m \u0111\u1ed1c C\u00f4ng ty Lu\u1eadt ANVI\u00a0<\/em>c\u0169ng nh\u1ea5n m\u1ea1nh, c\u00e1c NHTM d\u1ee9t kho\u00e1t kh\u00f4ng \u0111\u01b0\u1ee3c h\u1ea1 chu\u1ea9n cho vay, v\u00ec chu\u1ea9n l\u00e0 c\u00e1i t\u1ed1i thi\u1ec3u \u0111\u1ec3 b\u1ea3o \u0111\u1ea3m s\u1ef1 an to\u00e0n v\u00e0 hi\u1ec7u qu\u1ea3 c\u1ee7a ho\u1ea1t \u0111\u1ed9ng ng\u00e2n h\u00e0ng. Vi\u1ec7c t\u0103ng hay h\u1ea1 chu\u1ea9n kh\u00f4ng ph\u1ea3i l\u00e0 v\u00ec kh\u00e1ch h\u00e0ng, v\u00ec mu\u1ed1n t\u0103ng hay gi\u1ea3m d\u01b0 n\u1ee3, m\u00e0 ch\u1ec9 c\u00f3 th\u1ec3 thay \u0111\u1ed5i khi v\u1eabn \u0111\u00e1p \u1ee9ng \u0111\u01b0\u1ee3c y\u00eau c\u1ea7u an to\u00e0n.<\/p>\n<p>&#8220;N\u1ebfu h\u1ea1 chu\u1ea9n cho vay trong khi doanh nghi\u1ec7p ch\u01b0a c\u00f3 ph\u01b0\u01a1ng \u00e1n s\u1ea3n xu\u1ea5t kinh doanh ph\u00e1t tri\u1ec3n b\u1ec1n v\u1eefng th\u00ec r\u1ee7i ro cho c\u1ea3 doanh nghi\u1ec7p l\u1eabn ch\u1ea5t th\u00eam cho ng\u00e2n h\u00e0ng, t\u1eeb \u0111\u00f3 g\u00e2y b\u1ea5t l\u1ee3i cho c\u1ea3 n\u1ec1n kinh t\u1ebf&#8221; &#8211; Lu\u1eadt s\u01b0 n\u00f3i.<\/p>\n<p>B\u00ean c\u1ea1nh \u0111\u00f3, c\u0169ng c\u00f3 nhi\u1ec1u \u00fd ki\u1ebfn cho r\u1eb1ng, vi\u1ec7c tri\u1ec3n khai c\u00e1c g\u00f3i t\u00edn d\u1ee5ng h\u1ed7 tr\u1ee3 doanh nghi\u1ec7p c\u00e1 nh\u00e2n b\u1ecb \u1ea3nh h\u01b0\u1edfng d\u1ecbch b\u1ec7nh kh\u00f4ng ch\u1ec9 l\u00e0 s\u1ef1 chia s\u1ebb l\u1ee3i nhu\u1eadn m\u00e0 c\u00f2n l\u00e0 th\u00e1ch th\u1ee9c kh\u00f4ng nh\u1ecf \u0111\u1ed1i v\u1edbi ng\u00e0nh ng\u00e2n h\u00e0ng. B\u1edfi \u1ea3nh h\u01b0\u1edfng c\u1ee7a d\u1ecbch b\u1ec7nh c\u00f3 th\u1ec3 khi\u1ebfn doanh nghi\u1ec7p kh\u00f4ng c\u00f3 kh\u1ea3 n\u0103ng tr\u1ea3 n\u1ee3 \u0111\u00fang h\u1ea1n, t\u1eeb \u0111\u00f3 gia t\u0103ng t\u1ef7 l\u1ec7 n\u1ee3 qu\u00e1 h\u1ea1n, n\u1ee3 x\u1ea5u, th\u1eadm ch\u00ed d\u1eabn \u0111\u1ebfn kh\u1ee7ng ho\u1ea3ng t\u00e0i ch\u00ednh v\u00e0 \u1ea3nh h\u01b0\u1edfng \u0111\u1ebfn c\u1ea3 n\u1ec1n kinh t\u1ebf.<\/p>\n<p>Tr\u01b0\u1edbc b\u00e0i to\u00e1n l\u00e0m sao \u0111\u1ec3 v\u1eeba gi\u1ea3i quy\u1ebft kh\u00f3 kh\u0103n cho doanh nghi\u1ec7p v\u00e0 ng\u01b0\u1eddi d\u00e2n nh\u01b0ng kh\u00f4ng \u0111\u01b0\u1ee3c ph\u00e1 v\u1ee1 c\u00e1c ti\u00eau ch\u00ed v\u1ec1 \u0111\u1ea3m b\u1ea3o an to\u00e0n ho\u1ea1t \u0111\u1ed9ng c\u1ee7a c\u00e1c TCTD, \u00f4ng Nguy\u1ec5n To\u00e0n Th\u1eafng &#8211; T\u1ed5ng Th\u01b0 k\u00fd Hi\u1ec7p h\u1ed9i Ng\u00e2n h\u00e0ng cho r\u1eb1ng, c\u00e1c TCTD c\u1ea7n n\u1eafm s\u00e1t t\u00ecnh h\u00ecnh doanh nghi\u1ec7p \u0111\u1ec3 h\u1ed7 tr\u1ee3 m\u1ed9t c\u00e1ch c\u00f3 hi\u1ec7u qu\u1ea3. \u00d0i\u1ec1u n\u00e0y s\u1ebd gi\u00fap TCTD tr\u00e1nh \u0111\u01b0\u1ee3c t\u00ecnh tr\u1ea1ng kh\u00e1ch h\u00e0ng ch\u00e2y \u1ef3, \u0111\u1ea3o n\u1ee3, \u0111\u1ec3 r\u1ed3i g\u00e2y ra n\u1ee3 x\u1ea5u sau n\u00e0y.<\/p>\n<p>&#8220;Khi \u0111\u00e3 n\u1eafm r\u00f5 th\u1ef1c ch\u1ea5t ho\u1ea1t \u0111\u1ed9ng doanh nghi\u1ec7p, TCTD c\u1ea7n c\u00f4ng khai c\u00e1c tr\u01b0\u1eddng h\u1ee3p kh\u00f4ng \u0111\u1ee7 \u0111i\u1ec1u ki\u1ec7n cho vay, tr\u00e1nh s\u1ef1 hi\u1ec3u l\u1ea7m, c\u0169ng nh\u01b0 \u0111\u1ec3 doanh nghi\u1ec7p hi\u1ec3u r\u1eb1ng, kh\u00f4ng ph\u1ea3i ng\u00e2n h\u00e0ng l\u00e0 ngu\u1ed3n h\u1ed7 tr\u1ee3 duy nh\u1ea5t trong l\u00fac kh\u00f3 kh\u0103n n\u00e0y&#8221; &#8211; l\u00e3nh \u0111\u1ea1o Hi\u1ec7p h\u1ed9i Ng\u00e2n h\u00e0ng khuy\u1ebfn ngh\u1ecb.<\/p>\n<p>M.T<\/p>\n<p><strong>\u2014\u2014\u2014\u2014<\/strong><\/p>\n<p><strong><em>N\u0103ng l\u01b0\u1ee3ng m\u1edbi (Kinh t\u1ebf &amp; H\u1ed9i nh\u1eadp) 24-5-2020:<\/em><\/strong><\/p>\n<p><a href=\"https:\/\/petrotimes.vn\/ha-chuan-cho-vay-ngan-hang-se-dung-truoc-nguy-co-kep-571544.html\"><em>https:\/\/petrotimes.vn\/ha-chuan-cho-vay-ngan-hang-se-dung-truoc-nguy-co-kep-571544.html<\/em><\/a><\/p>\n<p><em>(170\/913)<\/em><\/p>\n<p><strong>\u00a0<\/strong><\/p>\n<p><strong>\u00a0<\/strong>","protected":false},"excerpt":{"rendered":"<p>(NLM) &#8211; \u0110\u1ec3 v\u1eeba gi\u1ea3i quy\u1ebft kh\u00f3 kh\u0103n cho doanh nghi\u1ec7p v\u00e0 ng\u01b0\u1eddi d\u00e2n nh\u01b0ng kh\u00f4ng \u0111\u01b0\u1ee3c ph\u00e1 v\u1ee1 c\u00e1c ti\u00eau ch\u00ed v\u1ec1 \u0111\u1ea3m b\u1ea3o an to\u00e0n ho\u1ea1t \u0111\u1ed9ng, c\u00e1c t\u1ed5 ch\u1ee9c t\u00edn d\u1ee5ng (TCTD) c\u1ea7n n\u1eafm r\u00f5 th\u1ef1c ch\u1ea5t ho\u1ea1t \u0111\u1ed9ng doanh nghi\u1ec7p \u0111\u1ec3 tr\u00e1nh nh\u1eefng r\u1ee7i ro \u0111\u00e1ng ti\u1ebfc. Ch\u01b0\u01a1ng tr\u00ecnh t\u00edn d\u1ee5ng [&hellip;]<\/p>\n","protected":false},"author":3,"featured_media":24075,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":""},"categories":[17,26],"tags":[],"class_list":["post-24074","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-binh-luan-gop-y","category-legal-media"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.3 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>2.531. 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