{"id":26298,"date":"2017-07-13T09:47:40","date_gmt":"2017-07-13T02:47:40","guid":{"rendered":"https:\/\/anvilaw.com\/vi\/?p=26298"},"modified":"2022-06-19T09:45:31","modified_gmt":"2022-06-19T02:45:31","slug":"1-420-canh-bao-tin-dung-den-cho-dn-vay-tai-co-cau-no-xau","status":"publish","type":"post","link":"https:\/\/anvilaw.com\/vi\/1-420-canh-bao-tin-dung-den-cho-dn-vay-tai-co-cau-no-xau\/","title":{"rendered":"1.420. C\u1ea3nh b\u00e1o t\u00edn d\u1ee5ng \u0111en cho DN vay t\u00e1i c\u01a1 c\u1ea5u n\u1ee3 x\u1ea5u"},"content":{"rendered":"(DV) – TS. L\u00ea Xu\u00e2n Ngh\u0129a, chuy\u00ean gia t\u00e0i ch\u00ednh, cho bi\u1ebft t\u00edn d\u1ee5ng \u0111en hi\u1ec7n nay kh\u00f4ng ai gi\u00e1m s\u00e1t, m\u1eb7c d\u00f9 c\u00f3 nh\u1eefng t\u1ed5 h\u1ee3p t\u00edn d\u1ee5ng ch\u1ee3 \u0111en cho vay l\u00ean \u0111\u1ebfn g\u1ea7n ngh\u00ecn t\u1ef7 \u0111\u1ed3ng. C\u00f3 nh\u1eefng m\u00f3n vay kh\u00e1 l\u1edbn, l\u1edbn t\u1edbi m\u1ee9c cho vay doanh nghi\u1ec7p \u0111\u1ec3 t\u00e1i c\u01a1 c\u1ea5u l\u1ea1i n\u1ee3 x\u1ea5u \u1edf c\u00e1c ng\u00e2n h\u00e0ng th\u01b0\u01a1ng m\u1ea1i.<\/strong><\/p>\n

C\u00e2u h\u1ecfi \u0111\u1eb7t ra l\u00e0m th\u1ebf n\u00e0o \u0111\u1ec3 h\u1ea1n ch\u1ebf \u0111\u01b0\u1ee3c ho\u1ea1t \u0111\u1ed9ng c\u1ee7a t\u00edn d\u1ee5ng \u0111en trong \u0111\u1eddi s\u1ed1ng x\u00e3 h\u1ed9i hi\u1ec7n nay? Nhi\u1ec1u chuy\u00ean gia cho r\u1eb1ng ch\u1ec9 c\u00f3 th\u1ec3 ph\u00e1t tri\u1ec3n t\u00e0i ch\u00ednh ti\u00eau d\u00f9ng m\u1edbi c\u00f3 th\u1ec3 h\u1ea1n ch\u1ebf \u0111\u01b0\u1ee3c ho\u1ea1t \u0111\u1ed9ng c\u1ee7a t\u00edn d\u1ee5ng \u0111en.<\/p>\n

Vay ti\u00eau d\u00f9ng \u0111\u1ea1t 3,8 tri\u1ec7u t\u1ef7 \u0111\u1ed3ng<\/strong><\/p>\n

\u00d4ng Nguy\u1ec5n T\u00fa Anh, Ph\u00f3 V\u1ee5 tr\u01b0\u1edfng V\u1ee5 Ch\u00ednh s\u00e1ch chi\u1ebfn l\u01b0\u1ee3c, NHNN, nh\u1eadn \u0111\u1ecbnh cho vay ti\u00eau d\u00f9ng \u0111\u00f3ng g\u00f3p l\u1edbn \u0111\u1ed1i v\u1edbi t\u0103ng tr\u01b0\u1edfng kinh t\u1ebf. T\u1ef7 tr\u1ecdng ti\u00eau d\u00f9ng trong t\u1ed5ng GDP c\u1ee7a Vi\u1ec7t Nam li\u00ean t\u1ee5c t\u0103ng cao. T\u1ef7 l\u1ec7 n\u00e0y \u0111\u1ea1t 78,34% v\u00e0o n\u0103m 2016. T\u1ea1i khu v\u1ef1c ch\u00e2u \u00c1, Vi\u1ec7t Nam thu\u1ed9c nh\u00f3m n\u01b0\u1edbc c\u00f3 t\u1ef7 l\u1ec7 ti\u00eau d\u00f9ng tr\u00ean GDP cao nh\u1ea5t.<\/p>\n

\"\"<\/p>\n

\u00d4ng Nguy\u1ec5n T\u00fa Anh, Ph\u00f3 v\u1ee5 tr\u01b0\u1edfng V\u1ee5 ch\u00ednh s\u00e1ch ti\u1ec1n t\u1ec7, NHNN<\/em><\/p>\n

Quy m\u00f4 d\u00e2n s\u1ed1 tr\u00ean 92 tri\u1ec7u d\u00e2n, v\u1edbi 70% d\u00e2n s\u1ed1 \u0111ang trong \u0111\u1ed9 tu\u1ed5i 15-64 v\u00e0 t\u1ed1c \u0111\u1ed9 t\u0103ng tr\u01b0\u1edfng kinh t\u1ebf tr\u00ean 6% l\u00e0 nh\u1eefng y\u1ebfu t\u1ed1 quan tr\u1ecdng cho th\u1ea5y th\u1ecb tr\u01b0\u1eddng h\u00e0ng ho\u00e1 ti\u00eau d\u00f9ng c\u1ee7a Vi\u1ec7t Nam c\u00f3 s\u1ee9c h\u1ea5p d\u1eabn r\u1ea5t l\u1edbn.<\/p>\n

    \n
  1. C\u1ea5n V\u0103n L\u1ef1c, chuy\u00ean gia kinh t\u1ebf, t\u00ednh to\u00e1n cho vay ti\u00eau d\u00f9ng chi\u1ebfm \u0111\u1ebfn 78,34% to\u00e0n b\u1ed9 GDP, t\u01b0\u01a1ng \u0111\u01b0\u01a1ng v\u1edbi kho\u1ea3ng 3,8 tri\u1ec7u t\u1ef7 \u0111\u1ed3ng.<\/li>\n<\/ol>\n

    \u201cV\u1eady n\u1ebfu ti\u00eau d\u00f9ng ch\u1ec9 c\u1ea7n t\u0103ng th\u00eam 1% th\u00f4i th\u00ec n\u1ec1n kinh t\u1ebf s\u1ebd c\u00f3 th\u00eam 38 ngh\u00ecn t\u1ef7 \u0111\u1ed3ng, m\u1ed9t con s\u1ed1 s\u1ebd gi\u00fap GDP c\u1ea3 n\u0103m 2017 \u0111\u1ea1t t\u1edbi m\u1ee9c k\u1ebf ho\u1ea1ch 6,7%\u201d, \u00f4ng L\u1ef1c cho bi\u1ebft.<\/p>\n

    S\u1ef1 ph\u00e1t tri\u1ec3n m\u1ea1nh m\u1ebd c\u1ee7a cho vay ti\u00eau d\u00f9ng c\u0169ng \u0111\u1eb7t ra nhi\u1ec1u th\u00e1ch th\u1ee9c cho c\u01a1 quan qu\u1ea3n l\u00fd. Cho vay ti\u00eau d\u00f9ng th\u01b0\u1eddng l\u00e0 cho vay kh\u00f4ng b\u1ea3o \u0111\u1ea3m do \u0111\u00f3 \u0111\u00e1nh gi\u00e1 kh\u1ea3 n\u0103ng tr\u1ea3 n\u1ee3, l\u1ecbch s\u1eed vay v\u00e0 tr\u1ea3 n\u1ee3, c\u00e1c y\u1ebfu t\u1ed1 kh\u00e1c l\u00e0 r\u1ea5t quan tr\u1ecdng.<\/p>\n

    Theo \u00f4ng T\u00fa Anh, \u0111\u1ec3 cho vay ti\u00eau d\u00f9ng ph\u00e1t tri\u1ec3n b\u1ec1n v\u1eefng kh\u00f4ng ch\u1ec9 c\u1ea7n c\u00f3 h\u00e0nh lang ph\u00e1p l\u00fd b\u1ea3o v\u1ec7 c\u00e1c TCTD m\u00e0 c\u00f2n ph\u1ea3i \u0111\u1eb7t y\u00eau c\u1ea7u b\u1ea3o v\u1ec7 ng\u01b0\u1eddi \u0111i vay tr\u01b0\u1edbc nguy c\u01a1 v\u1ee1 n\u1ee3 l\u00ean cao.<\/p>\n

    C\u00f9ng quan \u0111i\u1ec3m, TS L\u00ea Xu\u00e2n Ngh\u0129a, cho r\u1eb1ng t\u1ef7 tr\u1ecdng ti\u00eau d\u00f9ng trong GDP tr\u00ean 70% l\u00e0 qu\u00e1 l\u1edbn, trong khi \u0111\u00f3 ti\u1ec1n g\u1eedi ti\u1ebft ki\u1ec7m l\u1ea1i \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 \u00c2u, M\u1ef9 l\u00e0 kh\u00f4ng b\u00ecnh th\u01b0\u1eddng.<\/p>\n

    \u201cC\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. Do \u0111\u00f3, 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\u201d, \u00f4ng Ngh\u0129a c\u1ea3nh b\u00e1o.<\/p>\n

    Theo \u00f4ng Ngh\u0129a, c\u1ea7n ph\u1ea3i ph\u00e1t tri\u1ec3n t\u00edn d\u1ee5ng ti\u00eau d\u00f9ng m\u1ed9t c\u00e1ch b\u00e0i b\u1ea3n, \u00edt nh\u1ea5t l\u00e0 m\u1ed9t d\u1ea1ng kinh doanh c\u00f3 \u0111i\u1ec1u ki\u1ec7n, \u0111\u0103ng k\u00fd, k\u1ebf to\u00e1n, n\u1ed9p thu\u1ebf, gi\u1ea3m s\u00e1t, \u0111i\u1ec1u ki\u1ec7n t\u1ed1i thi\u1ec3u, l\u00e3i su\u1ea5t cho t\u1ef1 do.<\/p>\n

    \"\"<\/p>\n

    L\u00ea Xu\u00e2n Ngh\u0129a, chuy\u00ean gia kinh t\u1ebf<\/em><\/p>\n

    \u201cVi\u1ec7c ph\u00e1t tri\u1ec3n c\u00f4ng ty t\u00e0i ch\u00ednh nh\u1ecf cho vay ti\u00eau d\u00f9ng nh\u1ecf l\u00e0 c\u1ea7n thi\u1ebft, c\u1ea7n ph\u1ea3i \u0111\u1ec3 cho h\u1ecd kinh doanh ch\u00ednh th\u1ee9c. \u0110i\u1ec1u n\u00e0y gi\u00fap c\u01a1 quan qu\u1ea3n l\u00fd c\u00f3 th\u1ec3 gi\u00e1m s\u00e1t v\u00e0 quy \u0111\u1ecbnh v\u1ec1 nh\u1eefng \u0111i\u1ec1u ki\u1ec7n ho\u1ea1t \u0111\u1ed9ng an to\u00e0n t\u1ed1i thi\u1ec3u. C\u01a1 quan qu\u1ea3n l\u00fd c\u0169ng n\u00ean t\u1ea1o \u0111i\u1ec1u ki\u1ec7n \u0111\u1ec3 cho h\u1ecd huy \u0111\u1ed9ng v\u1ed1n ch\u00ednh th\u1ee9c v\u00ed nh\u01b0 ph\u00e1t h\u00e0nh tr\u00e1i phi\u1ebfu, vay m\u01b0\u1ee3n ng\u00e2n h\u00e0ng \u0111\u1ec3 \u0111\u1ea9y t\u00edn d\u1ee5ng ti\u00eau d\u00f9ng\u201d, \u00f4ng Ngh\u0129a ph\u00e2n t\u00edch.<\/p>\n

    Tr\u00e1nh b\u1eaby l\u00e3i su\u1ea5t cho vay ti\u00eau d\u00f9ng<\/strong><\/p>\n

    V\u1ec1 v\u1ea5n \u0111\u1ec1 n\u00e0y, lu\u1eadt s\u01b0 Tr\u01b0\u01a1ng Thanh \u0110\u1ee9c, Tr\u1ecdng t\u00e0i vi\u00ean Trung t\u00e2m Tr\u1ecdng t\u00e0i Qu\u1ed1c t\u1ebf Vi\u1ec7t Nam (VIAC), Gi\u00e1m \u0111\u1ed1c C\u00f4ng ty Lu\u1eadt ANVI, cho bi\u1ebft hi\u1ec7n l\u00e3i su\u1ea5t cho vay t\u00edn d\u1ee5ng \u0111en l\u00e0 1%\/ng\u00e0y n\u00ean l\u00e3i su\u1ea5t cho vay ti\u00eau d\u00f9ng hi\u1ec7n nay v\u1eabn th\u1ea5p h\u01a1n.<\/em><\/p>\n

    \u00d4ng \u0110\u1ee9c cho bi\u1ebft v\u1edbi c\u00f4ng ty t\u00e0i ch\u00ednh, l\u00e3i su\u1ea5t s\u1ebd kh\u00f4ng theo quy \u0111\u1ecbnh c\u1ee7a B\u1ed9 lu\u1eadt D\u00e2n s\u1ef1 \u0111\u01b0\u1ee3c v\u00ec n\u1ebfu \u00e1p d\u1ee5ng tr\u1ea7n l\u00e3i su\u1ea5t c\u0169 hay tr\u1ea7n m\u1edbi \u0111\u1ec1u r\u1ea5t b\u1ea5t c\u1eadp. Theo quy lu\u1eadt c\u1ee7a n\u1ec1n kinh t\u1ebf th\u1ecb tr\u01b0\u1eddng, l\u00e3i su\u1ea5t vay ti\u00eau d\u00f9ng c\u1ea7n \u0111\u01b0\u1ee3c d\u1ef1a tr\u00ean c\u01a1 ch\u1ebf th\u1ecfa thu\u1eadn gi\u1eefa b\u00ean \u0111i vay v\u00e0 b\u00ean cho vay.<\/em><\/p>\n

    \u201cV\u1edbi m\u1ed9t th\u1ecb tr\u01b0\u1eddng qu\u00e1 l\u1edbn v\u00e0 m\u1edbi ch\u1ec9 c\u00f3 6 c\u00f4ng ty t\u00e0i ch\u00ednh ti\u00eau d\u00f9ng cung c\u1ea5p d\u1ecbch v\u1ee5 th\u00ec \u0111i\u1ec1u n\u00e0y d\u1eabn t\u1edbi m\u1ee9c l\u00e3i su\u1ea5t cho vay b\u1ecb m\u1ea5t \u0111i t\u00ednh c\u1ea1nh tranh. C\u1ea7n ph\u00e1t tri\u1ec3n th\u00eam nhi\u1ec1u c\u00f4ng ty t\u00e0i ch\u00ednh h\u01a1n n\u1eefa th\u00ec l\u00e3i su\u1ea5t cho vay ti\u00eau d\u00f9ng s\u1ebd t\u1ef1 d\u1ea7n \u0111i\u1ec1u ch\u1ec9nh v\u1ec1 m\u1ee9c h\u1ee3p l\u00fd\u201d, \u00f4ng \u0110\u1ee9c cho bi\u1ebft.<\/em><\/p>\n

    V\u1ec1 v\u1ea5n \u0111\u1ec1 l\u00e3i su\u1ea5t, \u00f4ng T\u00fa Anh c\u1ea3nh b\u00e1o ng\u01b0\u1eddi \u0111i vay c\u1ea7n ph\u1ea3i hi\u1ec3u r\u00f5 v\u00e0 so s\u00e1nh \u0111\u01b0\u1ee3c m\u1ee9c l\u00e3i su\u1ea5t m\u00e0 m\u00ecnh ph\u1ea3i tr\u1ea3 theo d\u1ef1 n\u1ee3 cho vay th\u1ef1c t\u1ebf t\u1ea1i Kho\u1ea3n 3, \u0111i\u1ec1u 13 th\u00f4ng t\u01b0 39\/2016\/TT-NHNN l\u00e0 365 ng\u00e0y. Th\u00eam v\u00e0o \u0111\u00f3, th\u1eddi h\u1ea1n c\u1ee7a h\u1ee3p \u0111\u1ed3ng vay v\u00e0 l\u00e3i su\u1ea5t tr\u00ean t\u1eebng th\u1eddi h\u1ea1n c\u0169ng c\u1ea7n ph\u1ea3i cung c\u1ea5p r\u00f5 cho kh\u00e1ch h\u00e0ng.<\/p>\n

    \u201cV\u00ed d\u1ee5 l\u00e3i su\u1ea5t c\u00f3 th\u1ec3 qu\u1ea3ng c\u00e1o l\u00e0 8%\/n\u0103m nh\u01b0ng ch\u1ec9 \u00e1p d\u1ee5ng cho n\u0103m \u0111\u1ea7u, c\u00f2n c\u00e1c n\u0103m sau s\u1ebd t\u00ednh theo c\u00e1ch kh\u00e1c cao h\u01a1n nhi\u1ec1u d\u01b0\u1eddng nh\u01b0 l\u00e0 c\u00e1i b\u1eaby \u0111\u1ed1i v\u1edbi kh\u00e1ch h\u00e0ng. Kinh nghi\u1ec7m c\u00e1c n\u01b0\u1edbc \u0111\u1ec1u y\u00eau c\u1ea7u c\u00e1c h\u1ee3p \u0111\u1ed3ng t\u00edn d\u1ee5ng ph\u1ea3i n\u00eau r\u00f5 l\u00e3i su\u1ea5t cho to\u00e0n b\u1ed9 th\u1eddi gian h\u1ee3p \u0111\u1ed3ng v\u00e0 c\u00e1c \u0111i\u1ec1u kho\u1ea3n n\u00e0y ph\u1ea3i \u0111\u01b0\u1ee3c y\u00eau c\u1ea7u in to r\u00f5 \u0111\u1ec3 kh\u00e1ch h\u00e0ng kh\u00f4ng b\u1ecb nh\u1ea7m l\u1eabn ho\u1eb7c b\u1ecf qua\u201d, \u00f4ng T\u00fa Anh c\u1ea3nh b\u00e1o.<\/p>\n

    Tr\u1ea7n Giang\u00a0<\/strong><\/p>\n

    ——————-<\/p>\n

    D\u00e2n Vi\u1ec7t (Kinh t\u1ebf) 13-7-2017:<\/em><\/strong><\/p>\n

    http:\/\/danviet.vn\/kinh-te\/canh-bao-tin-dung-den-cho-dn-vay-tai-co-cau-no-xau-787057.html<\/a><\/em><\/p>\n

    (187\/1.054)<\/em>","protected":false},"excerpt":{"rendered":"

    (DV) – TS. L\u00ea Xu\u00e2n Ngh\u0129a, chuy\u00ean gia t\u00e0i ch\u00ednh, cho bi\u1ebft t\u00edn d\u1ee5ng \u0111en hi\u1ec7n nay kh\u00f4ng ai gi\u00e1m s\u00e1t, m\u1eb7c d\u00f9 c\u00f3 nh\u1eefng t\u1ed5 h\u1ee3p t\u00edn d\u1ee5ng ch\u1ee3 \u0111en cho vay l\u00ean \u0111\u1ebfn g\u1ea7n ngh\u00ecn t\u1ef7 \u0111\u1ed3ng. C\u00f3 nh\u1eefng m\u00f3n vay kh\u00e1 l\u1edbn, l\u1edbn t\u1edbi m\u1ee9c cho vay doanh nghi\u1ec7p \u0111\u1ec3 t\u00e1i c\u01a1 […]<\/p>\n","protected":false},"author":1,"featured_media":26308,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":""},"categories":[17,26],"tags":[],"class_list":["post-26298","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-binh-luan-gop-y","category-legal-media"],"acf":[],"yoast_head":"\n1.420. C\u1ea3nh b\u00e1o t\u00edn d\u1ee5ng \u0111en cho DN vay t\u00e1i c\u01a1 c\u1ea5u n\u1ee3 x\u1ea5u - 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\/1-420-canh-bao-tin-dung-den-cho-dn-vay-tai-co-cau-no-xau\/\" \/>\n<meta property=\"og:locale\" content=\"vi_VN\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"[:vi]1.420. C\u1ea3nh b\u00e1o t\u00edn d\u1ee5ng \u0111en cho DN vay t\u00e1i c\u01a1 c\u1ea5u n\u1ee3 x\u1ea5u[:] - ANVI Law Firm\" \/>\n<meta property=\"og:description\" content=\"(DV) – TS. L\u00ea Xu\u00e2n Ngh\u0129a, chuy\u00ean gia t\u00e0i ch\u00ednh, cho bi\u1ebft t\u00edn d\u1ee5ng \u0111en hi\u1ec7n nay kh\u00f4ng ai gi\u00e1m s\u00e1t, m\u1eb7c d\u00f9 c\u00f3 nh\u1eefng t\u1ed5 h\u1ee3p t\u00edn d\u1ee5ng ch\u1ee3 \u0111en cho vay l\u00ean \u0111\u1ebfn g\u1ea7n ngh\u00ecn t\u1ef7 \u0111\u1ed3ng. 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