{"id":26146,"date":"2017-07-12T09:59:08","date_gmt":"2017-07-12T02:59:08","guid":{"rendered":"https:\/\/anvilaw.com\/vi\/?p=26146"},"modified":"2022-06-10T10:02:58","modified_gmt":"2022-06-10T03:02:58","slug":"1-413-vi-sao-lai-suat-cho-vay-tieu-dung-gap-3-lan-lai-ngan-hang","status":"publish","type":"post","link":"https:\/\/anvilaw.com\/vi\/1-413-vi-sao-lai-suat-cho-vay-tieu-dung-gap-3-lan-lai-ngan-hang\/","title":{"rendered":"1.413. V\u00ec sao l\u00e3i su\u1ea5t cho vay ti\u00eau d\u00f9ng g\u1ea5p 3 l\u1ea7n l\u00e3i ng\u00e2n h\u00e0ng?"},"content":{"rendered":"<strong>(VNE) &#8211; L\u00e3i su\u1ea5t cho vay ti\u00eau d\u00f9ng th\u00f4ng th\u01b0\u1eddng tr\u00ean th\u1ecb tr\u01b0\u1eddng hi\u1ec7n nay \u0111ang g\u1ea5p kho\u1ea3ng 3 l\u1ea7n l\u00e3i vay c\u00f9ng k\u1ef3 h\u1ea1n c\u1ee7a c\u00e1c ng\u00e2n h\u00e0ng.<\/strong><\/p>\n<p>T\u1ea1i t\u1ecda \u0111\u00e0m &#8220;Ph\u00e1t tri\u1ec3n t\u00e0i ch\u00ednh b\u00e1n l\u1ebb, C\u01a1 h\u1ed9i th\u00fac \u0111\u1ea9y ti\u00eau d\u00f9ng &#8211; ph\u1ee5c v\u1ee5 t\u0103ng tr\u01b0\u1edfng kinh t\u1ebf Vi\u1ec7t Nam&#8221; ng\u00e0y 12\/7,\u00a0\u00f4ng Nguy\u1ec5n T\u00fa Anh &#8211; Ph\u00f3 v\u1ee5 tr\u01b0\u1edfng V\u1ee5 Ch\u00ednh s\u00e1ch ti\u1ec1n t\u1ec7 (Ng\u00e2n h\u00e0ng Nh\u00e0 n\u01b0\u1edbc) cho bi\u1ebft, t\u1ef7 tr\u1ecdng ti\u00eau d\u00f9ng trong t\u1ed5ng GDP c\u1ee7a Vi\u1ec7t Nam t\u0103ng g\u1ea7n 26% trong v\u00f2ng 11 n\u0103m qua, t\u1eeb m\u1ee9c 52,5% n\u0103m 2005 l\u00ean 78,34% v\u00e0o 2016.\u00a0X\u00e9t \u1edf \u0111\u1ed9 \u0111a d\u1ea1ng c\u1ee7a s\u1ea3n ph\u1ea9m, s\u1ef1 nhanh nh\u1ea1y v\u1edbi th\u1ecb tr\u01b0\u1eddng v\u00e0 t\u1ed1c \u0111\u1ed9 ph\u00e1t tri\u1ec3n, th\u00ec nh\u00f3m c\u00f4ng ty t\u00e0i ch\u00ednh ti\u00eau d\u00f9ng \u0111ang ng\u00e0y c\u00e0ng \u0111\u01b0\u1ee3c ng\u01b0\u1eddi ti\u00eau d\u00f9ng \u01b0a chu\u1ed9ng.\u00a0Song m\u1ee9c l\u00e3i su\u1ea5t &#8220;ch\u00f3t v\u00f3t&#8221; c\u1ee7a c\u00f4ng ty t\u00e0i ch\u00ednh ti\u00eau d\u00f9ng c\u0169ng \u0111ang l\u00e0m m\u1ed1i b\u1eadn t\u00e2m c\u1ee7a ng\u01b0\u1eddi \u0111i vay.<\/p>\n<p><em>Theo lu\u1eadt s\u01b0 Tr\u01b0\u01a1ng Thanh \u0110\u1ee9c, Gi\u00e1m \u0111\u1ed1c C\u00f4ng ty Lu\u1eadt ANVI, hi\u1ec7n l\u00e3i su\u1ea5t cho vay ti\u00eau d\u00f9ng \u0111ang cao g\u1ea5p 3 l\u1ea7n so v\u1edbi l\u00e3i vay c\u1ee7a ng\u00e2n h\u00e0ng c\u00f9ng k\u1ef3 h\u1ea1n. Nh\u01b0ng n\u1ebfu so s\u00e1nh v\u1edbi t\u00edn d\u1ee5ng \u0111en th\u00ec m\u1ee9c vay n\u00e0y v\u1eabn th\u1ea5p h\u01a1n nhi\u1ec1u.<\/em><\/p>\n<p><em>\u00d4ng ph\u00e2n t\u00edch, c\u00f9ng m\u1ee9c c\u00f4ng b\u1ed1 l\u00e3i vay 1% m\u1ed9t n\u0103m v\u1edbi kho\u1ea3n vay 10 tri\u1ec7u \u0111\u1ed3ng trong 12 th\u00e1ng v\u00e0 tr\u1ea3 g\u1ed1c m\u1ed7i th\u00e1ng m\u1ed9t tri\u1ec7u \u0111\u1ed3ng, nh\u01b0ng l\u00e3i th\u1ef1c ph\u1ea3i tr\u1ea3 theo s\u1ed1 d\u01b0 n\u1ee3 g\u1ed1c c\u1ed1 \u0111\u1ecbnh ban \u0111\u1ea7u m\u00e0 c\u00e1c c\u00f4ng ty t\u00e0i ch\u00ednh \u00e1p d\u1ee5ng tr\u01b0\u1edbc \u0111\u00e2y th\u00ec l\u00e3i su\u1ea5t s\u1ebd l\u00e0 22% m\u1ed9t n\u0103m, ch\u1ee9 kh\u00f4ng ph\u1ea3i 12% m\u1ed9t n\u0103m nh\u01b0 m\u1ee9c t\u00ednh c\u1ee7a ng\u00e2n h\u00e0ng th\u01b0\u01a1ng m\u1ea1i.<\/em><\/p>\n<p><em>&#8220;Khi c\u00e1c c\u00f4ng ty t\u00e0i ch\u00ednh c\u00f4ng b\u1ed1 l\u00e3i su\u1ea5t c\u1ed1 \u0111\u1ecbnh cho t\u1eebng kho\u1ea3n vay theo tu\u1ea7n, th\u00e1ng m\u00e0 kh\u00f4ng gi\u1ea3i th\u00edch r\u00f5 v\u1edbi ng\u01b0\u1eddi vay, n\u00ean t\u1ea1o c\u1ea3m gi\u00e1c l\u00e3i vay th\u1ea5p m\u00e0 th\u1ef1c t\u1ebf l\u1ea1i r\u1ea5t cao, th\u01b0\u1eddng tr\u00ean 20% m\u1ed9t n\u0103m, th\u1eadm ch\u00ed c\u00f3 kho\u1ea3n vay 60-70% m\u1ed9t n\u0103m&#8221;, Gi\u00e1m \u0111\u1ed1c C\u00f4ng ty Lu\u1eadt ANVI chia s\u1ebb.<\/em><\/p>\n<table style=\"height: 299px\" width=\"386\">\n<tbody>\n<tr>\n<td><img loading=\"lazy\" decoding=\"async\" class=\"alignnone  wp-image-26147 img-fluid img-fluid\" src=\"https:\/\/anvilaw.com\/wp-content\/uploads\/2022\/06\/11-3-450x281.jpg\" alt=\"\" width=\"376\" height=\"235\" srcset=\"https:\/\/anvilaw.com\/wp-content\/uploads\/2022\/06\/11-3-450x281.jpg 450w, https:\/\/anvilaw.com\/wp-content\/uploads\/2022\/06\/11-3.jpg 500w\" sizes=\"auto, (max-width: 376px) 100vw, 376px\" \/><\/td>\n<\/tr>\n<tr>\n<td>T\u1ed1c \u0111\u1ed9 t\u0103ng tr\u01b0\u1edfng cho vay ti\u00eau d\u00f9ng t\u0103ng g\u1ea7n 26% trong 11 n\u0103m qua.\u00a0<em>\u1ea2nh minh ho\u1ea1<\/em><\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<p>\u00d4ng Ph\u1ea1m Xu\u00e2n Ho\u00e8, Ph\u00f3 vi\u1ec7n tr\u01b0\u1edfng Vi\u1ec7n chi\u1ebfn l\u01b0\u1ee3c ng\u00e2n h\u00e0ng (Ng\u00e2n h\u00e0ng Nh\u00e0 n\u01b0\u1edbc) ch\u1ec9 ra nhi\u1ec1u nguy\u00ean nh\u00e2n khi\u1ebfn l\u00e3i su\u1ea5t vay ti\u00eau d\u00f9ng c\u1ee7a c\u00e1c c\u00f4ng ty t\u00e0i ch\u00ednh th\u01b0\u1eddng cao &#8220;ng\u1ea5t&#8221;, l\u00e0 do \u0111\u1ed1i t\u01b0\u1ee3ng l\u00e0 kh\u00e1ch h\u00e0ng d\u01b0\u1edbi chu\u1ea9n, m\u1ee9c \u0111\u1ed9 r\u1ee7i ro cao; chi ph\u00ed v\u1ed1n \u0111\u1ea7u v\u00e0o c\u1ee7a c\u00e1c c\u00f4ng ty t\u00e0i ch\u00ednh h\u01a1n h\u01a1n ng\u00e2n h\u00e0ng; chi ph\u00ed ho\u1ea1t \u0111\u1ed9ng c\u1ee7a c\u00f4ng ty t\u00e0i ch\u00ednh l\u1edbn do kho\u1ea3n vay nh\u1ecf, k\u1ef3 h\u1ea1n ng\u1eafn\u2026<\/p>\n<p>&#8220;B\u1ea3n th\u00e2n ho\u1ea1t \u0111\u1ed9ng c\u1ee7a c\u00e1c c\u00f4ng ty t\u00e0i ch\u00ednh ti\u00eau d\u00f9ng r\u1ee7i ro r\u1ea5t cao n\u00ean lu\u1eadt kh\u1ed1ng ch\u1ebf kh\u00f4ng cho h\u1ecd ho\u1ea1t \u0111\u1ed9ng huy \u0111\u1ed9ng ti\u1ec1n t\u1eeb d\u00e2n c\u01b0. \u0110\u00e2y c\u0169ng l\u00e0 y\u1ebfu t\u1ed1 l\u00e0m cho l\u00e3i su\u1ea5t cho vay t\u1eeb c\u00f4ng ty t\u00e0i ch\u00ednh cao h\u01a1n nhi\u1ec1u so v\u1edbi l\u00e3i vay th\u01b0\u01a1ng m\u1ea1i c\u1ee7a ng\u00e2n h\u00e0ng&#8221;, \u00f4ng Ho\u00e8 n\u00f3i.<\/p>\n<p>\u0110\u1ec3 \u0111\u1ea3m b\u1ea3o ph\u1ea3n \u00e1nh \u0111\u00fang l\u00e3i su\u1ea5t, tr\u00e1nh t\u00ecnh tr\u1ea1ng con s\u1ed1 c\u00f4ng b\u1ed1 v\u00e0 th\u1ef1c ch\u1ea5t kh\u00e1c nhau, Th\u00f4ng t\u01b0 43\/2016 c\u1ee7a Ng\u00e2n h\u00e0ng Nh\u00e0 n\u01b0\u1edbc quy \u0111\u1ecbnh, l\u00e3i su\u1ea5t cho vay ti\u00eau d\u00f9ng ph\u1ea3i \u0111\u01b0\u1ee3c quy \u0111\u1ecbnh \u0111\u1ed5i theo t\u1ef7 l\u1ec7 % m\u1ed9t n\u0103m v\u00e0 ph\u1ea3i t\u00ednh theo s\u1ed1 d\u01b0 n\u1ee3 cho vay, th\u1eddi gian duy tr\u00ec s\u1ed1 d\u01b0 n\u1ee3 cho vay th\u1ef1c t\u1ebf. \u0110\u00e2y \u0111\u01b0\u1ee3c coi l\u00e0 h\u00e0nh lang ph\u00e1p l\u00fd ph\u00f9 h\u1ee3p \u0111\u1ec3 c\u00e1c c\u00f4ng ty t\u00e0i ch\u00ednh ti\u00eau d\u00f9ng ph\u00e1t tri\u1ec3n l\u00e0nh m\u1ea1nh h\u01a1n.<\/p>\n<p><em>Ngo\u00e0i quy \u0111\u1ecbnh n\u00e0y, \u00f4ng Tr\u01b0\u01a1ng Thanh \u0110\u1ee9c \u0111\u1ec1 ngh\u1ecb, c\u1ea7n xem x\u00e9t lo\u1ea1i c\u00f4ng ty t\u00e0i ch\u00ednh ra kh\u1ecfi Lu\u1eadt c\u00e1c t\u1ed5 ch\u1ee9c t\u00edn d\u1ee5ng, \u0111\u1ec3 kh\u00f4ng ph\u1ea3i \u00e1p d\u1ee5ng c\u00e1c \u0111i\u1ec1u ki\u1ec7n, ch\u1ebf t\u00e0i ng\u1eb7t ngh\u00e8o nh\u01b0 \u0111\u1ed1i v\u1edbi c\u00e1c t\u1ed5 ch\u1ee9c t\u00edn d\u1ee5ng.<\/em><\/p>\n<p><strong>D\u00f9 ghi nh\u1eadn &#8220;c\u00f4ng lao&#8221; c\u1ee7a vay ti\u00eau d\u00f9ng \u0111\u00e3 g\u00f3p ph\u1ea7n gi\u1ea3m t\u00edn d\u1ee5ng \u0111en, song c\u00f3 \u00fd ki\u1ebfn chuy\u00ean gia lo ng\u1ea1i v\u1ec1 bi\u1ebfn t\u01b0\u1edbng c\u1ee7a lo\u1ea1i h\u00ecnh vay n\u00e0y.<\/strong><\/p>\n<p>Ti\u1ebfn s\u0129 L\u00ea Xu\u00e2n Ngh\u0129a &#8211; nguy\u00ean Ph\u00f3 ch\u1ee7 t\u1ecbch U\u1ef7 ban Gi\u00e1m s\u00e1t t\u00e0i ch\u00ednh qu\u1ed1c gia th\u1eadn tr\u1ecdng tr\u01b0\u1edbc nh\u1eefng con s\u1ed1 t\u0103ng tr\u01b0\u1edfng nhanh ch\u00f3ng c\u1ee7a cho vay ti\u00eau d\u00f9ng v\u1eeba qua. Theo \u00f4ng, t\u1ed1c \u0111\u1ed9 t\u0103ng cho vay ti\u00eau d\u00f9ng tr\u00ean GDP hi\u1ec7n qu\u00e1 nhanh, trong khi \u0111\u00f3 ti\u1ebft ki\u1ec7m l\u00e0 \u00edt. H\u01a1n n\u1eefa, t\u1ef7 tr\u1ecdng ti\u00eau d\u00f9ng trong GDP \u1edf Vi\u1ec7t Nam cao h\u01a1n nhi\u1ec1u n\u01b0\u1edbc ch\u00e2u \u00c2u, M\u1ef9 l\u00e0 kh\u00f4ng b\u00ecnh th\u01b0\u1eddng.<\/p>\n<p>\u00d4ng Ngh\u0129a c\u1ea3nh b\u00e1o, c\u1ea7n xem x\u00e9t l\u1ea1i m\u1ed9t v\u00e0i th\u00e0nh t\u1ef1u trong nh\u1eefng n\u0103m qua v\u1ec1 t\u00edn d\u1ee5ng ti\u00eau d\u00f9ng. C\u1ee5 th\u1ec3 ho\u1ea1t \u0111\u1ed9ng cho vay n\u00e0y t\u1ea1i Vi\u1ec7t Nam ch\u1ee7 y\u1ebfu th\u1eddi gian qua l\u00e0 mua nh\u00e0 v\u00e0 \u00f4 t\u00f4 nh\u01b0ng m\u1ed9t s\u1ed1 t\u1eadp \u0111o\u00e0n b\u1ea5t \u0111\u1ed9ng s\u1ea3n bi\u1ebfn t\u01b0\u1edbng cho c\u00e1n b\u1ed9 nh\u00e2n vi\u00ean vay mua nh\u00e0 c\u1ee7a ch\u00ednh m\u00ecnh, kh\u00f4ng t\u1ea1o ra thanh kho\u1ea3n th\u1ef1c s\u1ef1 tr\u00ean th\u1ecb tr\u01b0\u1eddng. &#8220;N\u1ebfu kh\u00f4ng gi\u00e1m s\u00e1t th\u00ec t\u00edn d\u1ee5ng ti\u00eau d\u00f9ng s\u1ebd c\u00f3 s\u1ef1 bi\u1ebfn t\u01b0\u1edbng&#8221;, Ti\u1ebfn s\u0129 L\u00ea Xu\u00e2n Ngh\u0129a l\u01b0u \u00fd.<\/p>\n<p><strong>Anh Minh<\/strong><\/p>\n<p>&#8212;&#8212;&#8212;&#8212;&#8212;&#8212;&#8212;&#8212;&#8212;&#8212;&#8212;&#8212;&#8212;&#8212;&#8212;&#8212;&#8211;<\/p>\n<p><strong><em>VNExpress (Kinh doanh) 12-7-2017:<\/em><\/strong><\/p>\n<p><em><a href=\"http:\/\/kinhdoanh.vnexpress.net\/tin-tuc\/ebank\/vi-sao-lai-suat-cho-vay-tieu-dung-gap-3-lan-lai-ngan-hang-3612516.html\">http:\/\/kinhdoanh.vnexpress.net\/tin-tuc\/ebank\/vi-sao-lai-suat-cho-vay-tieu-dung-gap-3-lan-lai-ngan-hang-3612516.html<\/a><\/em><\/p>\n<p><em>(232\/868)<\/em>","protected":false},"excerpt":{"rendered":"<p>(VNE) &#8211; L\u00e3i su\u1ea5t cho vay ti\u00eau d\u00f9ng th\u00f4ng th\u01b0\u1eddng tr\u00ean th\u1ecb tr\u01b0\u1eddng hi\u1ec7n nay \u0111ang g\u1ea5p kho\u1ea3ng 3 l\u1ea7n l\u00e3i vay c\u00f9ng k\u1ef3 h\u1ea1n c\u1ee7a c\u00e1c ng\u00e2n h\u00e0ng. T\u1ea1i t\u1ecda \u0111\u00e0m &#8220;Ph\u00e1t tri\u1ec3n t\u00e0i ch\u00ednh b\u00e1n l\u1ebb, C\u01a1 h\u1ed9i th\u00fac \u0111\u1ea9y ti\u00eau d\u00f9ng &#8211; ph\u1ee5c v\u1ee5 t\u0103ng tr\u01b0\u1edfng kinh t\u1ebf Vi\u1ec7t Nam&#8221; ng\u00e0y 12\/7,\u00a0\u00f4ng [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":26147,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":""},"categories":[17,26],"tags":[],"class_list":["post-26146","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>1.413. 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