{"id":24362,"date":"2019-09-14T15:03:17","date_gmt":"2019-09-14T08:03:17","guid":{"rendered":"https:\/\/anvilaw.com\/vi\/?p=24362"},"modified":"2022-06-01T15:20:51","modified_gmt":"2022-06-01T08:20:51","slug":"2-342-rui-ro-khi-ngan-hang-cho-vay-cam-co-so-tiet-kiem","status":"publish","type":"post","link":"https:\/\/anvilaw.com\/vi\/2-342-rui-ro-khi-ngan-hang-cho-vay-cam-co-so-tiet-kiem\/","title":{"rendered":"2.342. R\u1ee7i ro khi ng\u00e2n h\u00e0ng cho vay c\u1ea7m c\u1ed1 s\u1ed5 ti\u1ebft ki\u1ec7m"},"content":{"rendered":"<strong>(N\u0110H) &#8211; <\/strong><strong>V\u0103n b\u1ea3n m\u1edbi nh\u1ea5t c\u1ee7a NHNN ch\u1ee7 y\u1ebfu nh\u1eb1m c\u1ea3nh b\u00e1o, y\u00eau c\u1ea7u c\u00e1c ng\u00e2n h\u00e0ng l\u00e0m \u0111\u00fang khi cho vay c\u1ea7m c\u1ed1 s\u1ed5 ti\u1ebft ki\u1ec7m.H\u00ecnh th\u1ee9c cho vay n\u00e0y c\u00f3 th\u1ec3 g\u00e2y r\u1ee7i ro v\u1ec1 thanh kho\u1ea3n.Nhi\u1ec1u nh\u00e0 b\u0103ng c\u00f3 th\u1ec3 t\u0103ng \u1ea3o d\u01b0 n\u1ee3 khi cho vay c\u1ea7m c\u1ed1 s\u1ed5 ti\u1ebft ki\u1ec7m.\u00a0<\/strong><\/p>\n<p class=\"Normal\">NHNN v\u1eeba c\u00f3 c\u00f4ng v\u0103n g\u1eedi c\u00e1c t\u1ed5 ch\u1ee9c t\u00edn d\u1ee5ng, c\u1ea3nh b\u00e1o vi\u1ec7c cho vay c\u1ea7m c\u1ed1 s\u1ed5 ti\u1ebft ki\u1ec7m kh\u00f4ng c\u00f3 ph\u01b0\u01a1ng \u00e1n s\u1eed d\u1ee5ng v\u1ed1n, \u0111\u1ed3ng th\u1eddi y\u00eau c\u1ea7u ki\u1ec3m so\u00e1t m\u1ee5c \u0111\u00edch s\u1eed d\u1ee5ng c\u1ee7a kh\u00e1ch h\u00e0ng v\u00e0 qu\u00e1 tr\u00ecnh gi\u1ea3i ng\u00e2n.<\/p>\n<p class=\"Normal\">Th\u1ef1c t\u1ebf tr\u01b0\u1edbc \u0111\u00f3 tr\u00ean th\u1ecb tr\u01b0\u1eddng, ph\u1ea7n l\u1edbn ng\u00e2n h\u00e0ng \u0111\u1ec1u cung c\u1ea5p d\u1ecbch v\u1ee5 n\u00e0y, trong \u0111\u00f3 c\u00f3 c\u00e1c &#8220;\u00f4ng l\u1edbn&#8221; nh\u01b0 Vietinbank,\u00a0Vietcombank, BIDV, Agribank&#8230; M\u1ee9c\u00a0vay c\u1ea7m c\u1ed1 s\u1ed5 ti\u1ebft ki\u1ec7m, gi\u1ea5y t\u1edd c\u00f3 gi\u00e1 t\u1ed1i \u0111a \u1edf m\u1ed9t s\u1ed1 n\u01a1i b\u1eb1ng 100% gi\u00e1 tr\u1ecb t\u00e0i s\u1ea3n \u0111\u1ea3m b\u1ea3o, ph\u01b0\u01a1ng th\u1ee9c linh ho\u1ea1t, th\u1eddi h\u1ea1n t\u1ed1i \u0111a b\u1eb1ng th\u1eddi gian thanh to\u00e1n c\u00f2n l\u1ea1i c\u1ee7a s\u1ed5 ti\u1ebft ki\u1ec7m c\u1ea7m c\u1ed1.\u00a0Kh\u1ed1i ng\u00e2n h\u00e0ng th\u01b0\u01a1ng m\u1ea1i c\u1ed5 ph\u1ea7n nh\u01b0 LienvietpostBank, Techcombank, ACB\u2026 c\u0169ng t\u01b0\u01a1ng t\u1ef1 khi h\u1ea1n m\u1ee9c vay c\u00f3 th\u1ec3 t\u01b0\u01a1ng \u0111\u01b0\u01a1ng 85-90% gi\u00e1 tr\u1ecb c\u1ee7a kho\u1ea3n ti\u1ebft ki\u1ec7m v\u1edbi k\u1ef3 h\u1ea1n 3-12 th\u00e1ng, nh\u01b0ng kh\u00f4ng v\u01b0\u1ee3t qu\u00e1 th\u1eddi h\u1ea1n c\u00f2n l\u1ea1i c\u1ee7a s\u1ed5\/t\u00e0i kho\u1ea3n ti\u1ebft ki\u1ec7m.<\/p>\n<p class=\"Normal\">Ho\u1ea1t \u0111\u1ed9ng cho vay n\u00eau tr\u00ean nh\u1eb1m \u0111\u00e1p \u1ee9ng c\u00e1c kh\u00e1ch h\u00e0ng ph\u00e1t sinh nhu c\u1ea7u c\u1ea5p thi\u1ebft, trong khi s\u1ed5 ti\u1ebft ki\u1ec7m ch\u01b0a \u0111\u00e1o h\u1ea1n. B\u00ean c\u1ea1nh c\u00e1c m\u1ee5c \u0111\u00edch ti\u00eau d\u00f9ng c\u00e1 nh\u00e2n, th\u1ecb tr\u01b0\u1eddng th\u1eddi gian qua c\u0169ng xu\u1ea5t hi\u1ec7n tr\u01b0\u1eddng h\u1ee3p kh\u00e1ch h\u00e0ng vay ti\u1ec1n \u0111\u1ec3 t\u00e1i \u0111\u1ea7u t\u01b0. C\u1ee5 th\u1ec3 t\u1eeb \u0111\u1ea7u n\u0103m, c\u00e1c ng\u00e2n h\u00e0ng c\u00f3 xu h\u01b0\u1edbng t\u0103ng l\u00e3i su\u1ea5t huy \u0111\u1ed9ng qua nhi\u1ec1u h\u00ecnh th\u1ee9c, nh\u01b0 ch\u1ee9ng ch\u1ec9 ti\u1ec1n g\u1eedi c\u00f3 th\u1ec3 cho l\u00e3i su\u1ea5t 8,7-10%. Tr\u00e1i phi\u1ebfu doanh nghi\u1ec7p b\u00f9ng n\u1ed5 th\u1eadm ch\u00ed c\u00f2n c\u00f3 th\u1ec3 mang l\u1ea1i l\u00e3i su\u1ea5t 9-14%. Nh\u1eefng m\u1ee9c l\u1ee3i su\u1ea5t cao h\u01a1n n\u00e0y l\u00e0 m\u1ed9t trong nh\u1eefng l\u00fd do khi\u1ebfn kh\u00e1ch h\u00e0ng vay c\u1ea7m c\u1ed1 s\u1ed5 ti\u1ebft ki\u1ec7m \u0111\u1ec3 chuy\u1ec3n \u0111\u1ed5i h\u00ecnh th\u1ee9c \u0111\u1ea7u t\u01b0.<\/p>\n<table class=\"tplCaption\" border=\"0\" cellspacing=\"0\" cellpadding=\"3\" align=\"center\">\n<tbody>\n<tr>\n<td><em><img loading=\"lazy\" decoding=\"async\" class=\"\" src=\"https:\/\/i.ndh.vn\/2019\/09\/13\/tien3-2714-1568366110.jpg\" alt=\"Nhi\u1ec1u k\u00eanh \u0111\u1ea7u t\u01b0 v\u1edbi l\u1ee3i su\u1ea5t cao h\u1ea5p d\u1eabn nh\u00e0 \u0111\u1ea7u t\u01b0. \u1ea2nh: Li\u00ean H\u01b0\u01a1ng.\" width=\"728\" height=\"471\" data-natural-width=\"640\" \/><\/em><\/td>\n<\/tr>\n<tr>\n<td>\n<p class=\"Image\"><em>Nhi\u1ec1u k\u00eanh \u0111\u1ea7u t\u01b0 v\u1edbi l\u1ee3i su\u1ea5t cao h\u1ea5p d\u1eabn nh\u00e0 \u0111\u1ea7u t\u01b0. \u1ea2nh:\u00a0Li\u00ean H\u01b0\u01a1ng.<\/em><\/p>\n<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<p class=\"Normal\">Trao \u0111\u1ed5i v\u1edbi\u00a0<em>Ng\u01b0\u1eddi \u0110\u1ed3ng H\u00e0nh<\/em>, \u00f4ng Nguy\u1ec5n V\u0103n Du, Quy\u1ec1n Ch\u00e1nh Thanh tra &#8211; C\u01a1 quan Thanh tra, gi\u00e1m s\u00e1t NHNN cho bi\u1ebft c\u00f4ng v\u0103n c\u1ee7a NHNN nh\u1eb1m c\u1ea3nh b\u00e1o v\u00e0 nh\u1eafc nh\u1edf c\u00e1c ng\u00e2n h\u00e0ng \u201cl\u00e0m \u0111\u00fang, ch\u01b0a ph\u1ea3i l\u00e0 \u0111\u1ed9ng th\u00e1i si\u1ebft\u201d.<\/p>\n<p class=\"Normal\">V\u1ecb n\u00e0y l\u00e0m r\u00f5 r\u1eb1ng khi vay ti\u1ec1n b\u1eb1ng c\u1ea7m c\u1ed1 s\u1ed5 ti\u1ebft ki\u1ec7m, c\u00e1c ng\u00e2n h\u00e0ng c\u1ea7n xem x\u00e9t m\u1ee5c \u0111\u00edch s\u1eed d\u1ee5ng v\u1ed1n c\u1ee7a kh\u00e1ch h\u00e0ng.\u00a0\u201cV\u00ed d\u1ee5 kh\u00e1ch h\u00e0ng g\u1eedi ti\u1ebft ki\u1ec7m 12 th\u00e1ng nh\u01b0ng 5 th\u00e1ng n\u1eefa m\u1edbi \u0111\u1ebfn h\u1ea1n, kh\u00e1ch h\u00e0ng c\u00f3 th\u1ec3 vay c\u1ea7m c\u1ed1 nh\u01b0ng c\u1ea7n n\u00eau r\u00f5 m\u1ee5c \u0111\u00edch l\u00e0 mua nh\u00e0, mua xe, ti\u00eau d\u00f9ng&#8230; tr\u00e1nh s\u1eed d\u1ee5ng cho c\u00e1c h\u00e0nh vi x\u1ea5u\u201d, \u00f4ng Du n\u00f3i.\u00a0B\u00ean c\u1ea1nh \u0111\u00f3, \u00f4ng Du c\u0169ng n\u00eau th\u1ef1c t\u1ebf c\u00f3 m\u1ed9t s\u1ed1 ng\u00e2n h\u00e0ng \u201cl\u00e1ch\u201d \u0111\u1ec3 cho vay, t\u0103ng d\u01b0 n\u1ee3. NHNN c\u0169ng mu\u1ed1n ki\u1ec3m so\u00e1t l\u1ea1i \u0111\u1ec3 h\u1ea1n ch\u1ebf r\u1ee7i ro v\u00e0 y\u00eau c\u1ea7u c\u00e1c nh\u00e0 b\u0103ng th\u1ef1c hi\u1ec7n \u0111\u00fang quy \u0111\u1ecbnh.<\/p>\n<p class=\"Normal\">Theo chuy\u00ean gia t\u00e0i ch\u00ednh Nguy\u1ec5n Tr\u00ed Hi\u1ebfu, \u0111\u1ed9ng th\u00e1i c\u1ee7a NHNN l\u00e0 c\u1ea7n thi\u1ebft v\u00e0 h\u1ee3p l\u00fd \u0111\u1ec3 ki\u1ec3m so\u00e1t d\u00f2ng v\u1ed1n t\u00edn d\u1ee5ng. \u00d4ng Hi\u1ebfu c\u0169ng \u0111\u1ec1 c\u1eadp \u0111\u1ebfn y\u1ebfu t\u1ed1 thanh kho\u1ea3n h\u1ec7 th\u1ed1ng, x\u00e9t tr\u00ean ho\u1ea1t \u0111\u1ed9ng ngu\u1ed3n v\u1ed1n c\u1ee7a ng\u00e2n h\u00e0ng, vi\u1ec7c cho vay c\u1ea7m c\u1ed1 s\u1ed5 ti\u1ebft ki\u1ec7m ti\u1ec1m \u1ea9n r\u1ee7i ro.<\/p>\n<p class=\"Normal\">\u201cGi\u1ea3 s\u1eed kh\u00e1ch h\u00e0ng A g\u1eedi ti\u1ebft ki\u1ec7m 100 t\u1ef7 \u0111\u1ed3ng v\u00e0o ng\u00e2n h\u00e0ng, khi \u0111\u00f3 ng\u00e2n h\u00e0ng s\u1ebd s\u1eed d\u1ee5ng ngu\u1ed3n v\u1ed1n n\u00e0y \u0111\u1ec3 cho vay v\u00e0 ph\u1ee5c v\u1ee5 c\u00e1c ho\u1ea1t \u0111\u1ed9ng kh\u00e1c. Trong tr\u01b0\u1eddng h\u1ee3p ng\u00e2n h\u00e0ng cho vay kh\u00e1ch h\u00e0ng B 80 t\u1ef7 \u0111\u1ed3ng v\u00e0 sau \u0111\u00f3 kh\u00e1ch h\u00e0ng A \u0111\u1ebfn \u0111\u1ec3 vay l\u1ea1i tr\u00ean ch\u00ednh s\u1ed5 ti\u1ebft ki\u1ec7m 80 t\u1ef7, ng\u00e2n h\u00e0ng s\u1ebd ghi tr\u00ean t\u00e0i s\u1ea3n c\u00f3 l\u00e0 160 t\u1ef7 d\u1ed3ng, trong khi ngu\u1ed3n v\u1ed5n ch\u1ec9 100 t\u1ef7 \u0111\u1ed3ng\u201d, \u00f4ng Hi\u1ebfu l\u1ea5y v\u00ed d\u1ee5. \u0110i\u1ec1u n\u00e0y t\u1ea1o r\u1ee7i ro v\u1ec1 thanh kho\u1ea3n, c\u0169ng l\u00e0 y\u1ebfu t\u1ed1 c\u00f3 th\u1ec3 \u0111\u1ea9y l\u00e3i su\u1ea5t l\u00ean cao, do t\u0103ng nhu c\u1ea7u huy \u0111\u1ed9ng v\u1ed1n.<\/p>\n<p class=\"Normal\">Tr\u1ea3 l\u1eddi b\u00e1o ch\u00ed, lu\u1eadt s\u01b0 Tr\u01b0\u01a1ng Thanh \u0110\u1ee9c, Gi\u00e1m \u0111\u1ed1c C\u00f4ng ty Lu\u1eadt <span style=\"color: #713817\">ANVI<\/span>\u00a0c\u0169ng \u0111\u1ed3ng quan \u0111i\u1ec3m khi cho r\u1eb1ng vi\u1ec7c c\u00e1c ng\u00e2n h\u00e0ng \u0111\u1ea9y m\u1ea1nh cho vay c\u1ea7m c\u1ed1 s\u1ed5 ti\u1ebft ki\u1ec7m s\u1ebd l\u00e0m ph\u00e1t sinh 2 v\u1ea5n \u0111\u1ec1. Th\u1ee9 nh\u1ea5t, n\u1ebfu kho\u1ea3n ti\u1ec1n g\u1eedi ti\u1ebft ki\u1ec7m c\u00f3 ngu\u1ed3n g\u1ed1c b\u1ea5t h\u1ee3p ph\u00e1p th\u00ec s\u1ebd r\u1ee7i ro cho ng\u00e2n h\u00e0ng, v\u00ec n\u1ebfu c\u01a1 quan ph\u00e1p lu\u1eadt t\u1ecbch thu th\u00ec ng\u00e2n h\u00e0ng s\u1ebd kh\u00f4ng th\u1ec3 t\u1ea5t to\u00e1n \u0111\u01b0\u1ee3c. Th\u1ee9 hai l\u00e0 hi\u1ec7n nay nhi\u1ec1u ng\u00e2n h\u00e0ng l\u1ee3i d\u1ee5ng s\u1ea3n ph\u1ea9m \u0111\u1ec3 \u0111\u1ea9y t\u0103ng tr\u01b0\u1edfng t\u00edn d\u1ee5ng, nh\u1ea5t l\u00e0 th\u1eddi \u0111i\u1ec3m chu\u1ea9n b\u1ecb ch\u1ed1t s\u1ed1 li\u1ec7u, \u0111\u1ec3 l\u00e0m c\u01a1 s\u1edf cho ch\u1ec9 ti\u00eau n\u0103m sau.<\/p>\n<p><strong>L\u00ea H\u1ea3i<\/strong><\/p>\n<p>&#8212;&#8212;&#8212;&#8212;&#8212;&#8212;<\/p>\n<p><strong><em>Ng\u01b0\u1eddi \u0111\u1ed3ng h\u00e0nh (Ng\u00e2n h\u00e0ng) 14-9-2019:<\/em><\/strong><\/p>\n<p><a href=\"https:\/\/ndh.vn\/ngan-hang\/rui-ro-khi-ngan-hang-cho-vay-cam-co-so-tiet-kiem-1255432.html\"><em>https:\/\/ndh.vn\/ngan-hang\/rui-ro-khi-ngan-hang-cho-vay-cam-co-so-tiet-kiem-1255432.html<\/em><\/a><\/p>\n<p><em>(117\/841)<\/em>","protected":false},"excerpt":{"rendered":"<p>(N\u0110H) &#8211; V\u0103n b\u1ea3n m\u1edbi nh\u1ea5t c\u1ee7a NHNN ch\u1ee7 y\u1ebfu nh\u1eb1m c\u1ea3nh b\u00e1o, y\u00eau c\u1ea7u c\u00e1c ng\u00e2n h\u00e0ng l\u00e0m \u0111\u00fang khi cho vay c\u1ea7m c\u1ed1 s\u1ed5 ti\u1ebft ki\u1ec7m.H\u00ecnh th\u1ee9c cho vay n\u00e0y c\u00f3 th\u1ec3 g\u00e2y r\u1ee7i ro v\u1ec1 thanh kho\u1ea3n.Nhi\u1ec1u nh\u00e0 b\u0103ng c\u00f3 th\u1ec3 t\u0103ng \u1ea3o d\u01b0 n\u1ee3 khi cho vay c\u1ea7m c\u1ed1 s\u1ed5 ti\u1ebft [&hellip;]<\/p>\n","protected":false},"author":10,"featured_media":24372,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":""},"categories":[17,26],"tags":[],"class_list":["post-24362","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>2.342. 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