{"id":27233,"date":"2017-06-15T14:15:13","date_gmt":"2017-06-15T07:15:13","guid":{"rendered":"https:\/\/anvilaw.com\/vi\/?p=27233"},"modified":"2022-06-16T09:46:18","modified_gmt":"2022-06-16T02:46:18","slug":"1-365-tin-dung-tieu-dung-khai-thac-tiem-nang-ung-pho-rui-ro","status":"publish","type":"post","link":"https:\/\/anvilaw.com\/vi\/1-365-tin-dung-tieu-dung-khai-thac-tiem-nang-ung-pho-rui-ro\/","title":{"rendered":"1.365. T\u00edn d\u1ee5ng ti\u00eau d\u00f9ng: Khai th\u00e1c ti\u1ec1m n\u0103ng, \u1ee9ng ph\u00f3 r\u1ee7i ro"},"content":{"rendered":"(\u0110TTC) – Ngh\u1ecb quy\u1ebft Ch\u00ednh ph\u1ee7 t\u1ea1i k\u1ef3 h\u1ecdp th\u00e1ng 5 y\u00eau c\u1ea7u Ng\u00e2n h\u00e0ng Nh\u00e0 n\u01b0\u1edbc (NHNN) xem x\u00e9t, \u0111\u1ec1 xu\u1ea5t ch\u00ednh s\u00e1ch t\u00edn d\u1ee5ng h\u1ed7 tr\u1ee3 ti\u00eau d\u00f9ng, nh\u00e0 \u1edf.\u00a0<\/strong><\/p>\n

Hi\u1ec7n t\u1ef7 l\u1ec7 cho vay ti\u00eau d\u00f9ng t\u1ea1i Vi\u1ec7t Nam v\u1eabn c\u00f2n th\u1ea5p so v\u1edbi c\u00e1c n\u01b0\u1edbc v\u00e0 ti\u1ec1m n\u0103ng c\u00f2n l\u1edbn, do \u0111\u00f3 n\u1ebfu b\u01a1m v\u1ed1n v\u00e0o l\u0129nh v\u1ef1c ti\u00eau d\u00f9ng s\u1ebd h\u1ed7 tr\u1ee3 k\u00edch th\u00edch t\u1ed5ng c\u1ea7u, th\u00fac \u0111\u1ea9y t\u0103ng tr\u01b0\u1edfng. Tuy nhi\u00ean, nhi\u1ec1u \u00fd ki\u1ebfn cho r\u1eb1ng c\u1ea7n c\u00f3 gi\u1ea3i ph\u00e1p ph\u00f9 h\u1ee3p \u0111\u1ec3 \u1ee9ng ph\u00f3 r\u1ee7i ro n\u1ee3 x\u1ea5u.<\/p>\n

S\u1ee9c h\u00fat t\u00edn d\u1ee5ng ti\u00eau d\u00f9ng r\u1ea5t l\u1edbn<\/strong><\/p>\n\n\n\n
\u00a0\u0110\u1ed1i v\u1edbi ho\u1ea1t \u0111\u1ed9ng cho vay ti\u00eau d\u00f9ng, n\u00ean khuy\u1ebfn kh\u00edch \u0111\u1ec3 \u0111\u00e1p \u1ee9ng nhu c\u1ea7u nh\u01b0 vay \u0111\u1ec3 h\u1ecdc, vay s\u1eeda nh\u00e0, th\u1eadm ch\u00ed vay mua s\u1eafm. Ch\u00ednh nh\u1eefng l\u0129nh v\u1ef1c n\u00e0y s\u1ebd t\u1ea1o ra c\u1ea7u cho s\u1ea3n xu\u1ea5t, t\u1ea1o ra vi\u1ec7c l\u00e0m; c\u00f2n cho vay mua nh\u00e0 l\u1ea1i n\u1eb1m trong \u0111\u1ea7u t\u01b0, d\u1ec5 d\u1eabn \u0111\u1ebfn n\u1ee3 x\u1ea5u n\u00ean ph\u1ea3i \u1ee9ng ph\u00f3 ph\u00f2ng ng\u1eeba r\u1ee7i ro.<\/p>\n

TS. \u0110inh Th\u1ebf Hi\u1ec3n<\/strong>,\u00a0chuy\u00ean gia kinh t\u1ebf<\/em><\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n

5 th\u00e1ng \u0111\u1ea7u n\u0103m, t\u1ed5ng c\u1ea7u ph\u1ee5c h\u1ed3i ch\u1eadm v\u1eabn l\u00e0 tr\u1edf ng\u1ea1i l\u1edbn \u0111\u1ed1i v\u1edbi t\u0103ng tr\u01b0\u1edfng kinh t\u1ebf trong ng\u1eafn h\u1ea1n. Do \u0111\u00f3, b\u01a1m v\u1ed1n v\u00e0o ti\u00eau d\u00f9ng \u0111\u01b0\u1ee3c xem l\u00e0 \u0111\u1ed9ng th\u00e1i k\u00edch c\u1ea7u t\u00edn d\u1ee5ng, th\u00fac \u0111\u1ea9y t\u1ed5ng c\u1ea7u t\u0103ng, k\u00edch \u0111\u1ea7u ra b\u1ea5t \u0111\u1ed9ng s\u1ea3n (B\u0110S) \u0111\u1ec3 \u0111\u1ea1t m\u1ee5c ti\u00eau t\u0103ng GDP c\u1ea3 n\u0103m 6,7%.<\/p>\n

B\u00e1o c\u00e1o m\u1edbi \u0111\u00e2y c\u1ee7a \u1ee6y ban Gi\u00e1m s\u00e1t t\u00e0i ch\u00ednh qu\u1ed1c gia c\u0169ng nh\u1eadn \u0111\u1ecbnh, t\u1ed5ng c\u1ea7u s\u1ebd c\u1ea3i thi\u1ec7n trong nh\u1eefng th\u00e1ng cu\u1ed1i n\u0103m, nh\u1ea5t l\u00e0 ti\u00eau d\u00f9ng v\u00e0 \u0111\u1ea7u t\u01b0. B\u1edfi l\u1ebd ti\u00eau d\u00f9ng v\u1eabn c\u00f2n ti\u1ec1m n\u0103ng t\u0103ng khi t\u1ef7 l\u1ec7 ti\u00eau d\u00f9ng c\u00e1 nh\u00e2n th\u1ea5p h\u01a1n \u0111\u00e1ng k\u1ec3 so v\u1edbi m\u1ee9c thu nh\u1eadp b\u00ecnh qu\u00e2n \u0111\u1ea7u ng\u01b0\u1eddi.<\/p>\n

L\u1ea5y \u0111\u01a1n c\u1eed \u0111\u1ec3 so s\u00e1nh, t\u1ef7 l\u1ec7 ti\u00eau d\u00f9ng c\u00e1 nh\u00e2n so v\u1edbi GDP b\u00ecnh qu\u00e2n giai \u0111o\u1ea1n 2011-2015 c\u1ee7a Philippines l\u00e0 73,7%, c\u1ee7a Ai C\u1eadp 80,3%, trong khi c\u1ee7a Vi\u1ec7t Nam ch\u1ec9 65,1%. T\u1eeb nay \u0111\u1ebfn cu\u1ed1i n\u0103m, ti\u00eau d\u00f9ng c\u00f3 th\u1ec3 \u0111\u01b0\u1ee3c \u0111\u1ea9y m\u1ea1nh nh\u1edd t\u1ed1c \u0111\u1ed9 l\u1ea1m ph\u00e1t gi\u1ea3m, qua \u0111\u00f3 c\u1ea3i thi\u1ec7n s\u1ee9c mua c\u1ee7a ng\u01b0\u1eddi d\u00e2n v\u00e0 t\u00edn d\u1ee5ng ti\u00eau d\u00f9ng t\u0103ng tr\u01b0\u1edfng t\u1ed1t. N\u1ebfu \u0111\u00f3ng g\u00f3p c\u1ee7a t\u1ed5ng c\u1ea7u t\u1eeb ti\u00eau d\u00f9ng, t\u0103ng tr\u01b0\u1edfng n\u0103m 2017 c\u00f3 th\u1ec3 l\u00ean \u0111\u1ebfn 6,3%. Ch\u00ednh v\u00ec v\u1eady Ch\u00ednh ph\u1ee7 y\u00eau c\u1ea7u NHNN xem x\u00e9t, \u0111\u1ec1 xu\u1ea5t ch\u00ednh s\u00e1ch t\u00edn d\u1ee5ng h\u1ed7 tr\u1ee3 ti\u00eau d\u00f9ng, nh\u00e0 \u1edf nh\u1eb1m k\u00edch c\u1ea7u t\u00edn d\u1ee5ng, th\u00fac \u0111\u1ea9y t\u0103ng t\u1ed5ng c\u1ea7u, k\u00edch th\u1ecb tr\u01b0\u1eddng B\u0110S ph\u00e1t tri\u1ec3n, qua \u0111\u00f3 \u0111\u1ea1t m\u1ee5c ti\u00eau t\u0103ng GDP c\u1ea3 n\u0103m 6,7%.<\/p>\n

\u0110\u1ed1i v\u1edbi th\u1ecb tr\u01b0\u1eddng cho vay ti\u00eau d\u00f9ng hi\u1ec7n \u0111\u00e3 c\u00f3 \u0111\u00f4ng \u0111\u1ee7 NHTM, c\u00f4ng ty t\u00e0i ch\u00ednh (CTTC) tham gia. Song song \u0111\u00f3, l\u00e0n s\u00f3ng c\u00e1c NH mua l\u1ea1i CTTC \u0111\u1ec3 th\u00e0nh l\u1eadp CTTC tr\u1ef1c thu\u1ed9c NH sau khi NHNN c\u00f4ng b\u1ed1 d\u1ef1 th\u1ea3o Th\u00f4ng t\u01b0 v\u1ec1 vi\u1ec7c NH mu\u1ed1n cho vay ti\u00eau d\u00f9ng ph\u1ea3i c\u00f3 CTTC, c\u0169ng g\u00f3p ph\u1ea7n gia t\u0103ng s\u1ed1 l\u01b0\u1ee3ng CTTC tr\u00ean th\u1ecb tr\u01b0\u1eddng. M\u1eb7c d\u00f9 \u0111\u1ebfn nay NHNN v\u1eabn ch\u01b0a ban h\u00e0nh quy \u0111\u1ecbnh ch\u00ednh th\u1ee9c nh\u01b0ng l\u00e0n s\u00f3ng n\u00e0y v\u1eabn ti\u1ebfp di\u1ec5n, cho th\u1ea5y s\u1ee9c h\u00fat t\u1eeb cho vay ti\u00eau d\u00f9ng r\u1ea5t l\u1edbn.<\/p>\n

B\u00ean c\u1ea1nh \u0111\u00f3, m\u1ed9t s\u1ed1 NH \u0111\u00e3 b\u00e1n \u0111\u1ebfn 49% v\u1ed1n cho nh\u00e0 \u0111\u1ea7u t\u01b0 n\u01b0\u1edbc ngo\u00e0i (ch\u1ee7 y\u1ebfu \u0111\u1ebfn t\u1eeb Nh\u1eadt B\u1ea3n), nh\u1eb1m t\u1eadn d\u1ee5ng n\u1ec1n t\u1ea3ng c\u00f4ng ngh\u1ec7 hi\u1ec7n \u0111\u1ea1i v\u00e0 kinh nghi\u1ec7m phong ph\u00fa trong l\u0129nh v\u1ef1c t\u00e0i ch\u00ednh ti\u00eau d\u00f9ng c\u1ee7a c\u00e1c \u0111\u1ed1i t\u00e1c chi\u1ebfn l\u01b0\u1ee3c n\u01b0\u1edbc ngo\u00e0i.<\/p>\n

Ngo\u00e0i ra, nhi\u1ec1u NHTM \u0111ang cho vay ti\u00eau d\u00f9ng th\u00f4ng qua m\u1ea1ng l\u01b0\u1edbi v\u00e0 nh\u00e2n s\u1ef1 s\u1eb5n c\u00f3, trong khi c\u00e1c CTTC th\u00e2m nh\u1eadp h\u1ec7 th\u1ed1ng b\u00e1n l\u1ebb tr\u00ean c\u1ea3 n\u01b0\u1edbc c\u00f9ng v\u1edbi s\u1ed1 l\u01b0\u1ee3ng nh\u00e2n s\u1ef1 kh\u1ed5ng l\u1ed3 \u0111\u1ec3 ti\u1ebfp c\u1eadn ng\u01b0\u1eddi ti\u00eau d\u00f9ng. \u01af\u1edbc t\u00ednh nh\u00f3m 4 CTTC \u0111ang d\u1eabn \u0111\u1ea7u th\u1ecb tr\u01b0\u1eddng g\u1ed3m FE Credit, Home Credit, HDSaison v\u00e0 Prudential \u0111\u00e3 c\u00f3 s\u1ed1 nh\u00e2n s\u1ef1 l\u00ean \u0111\u1ebfn g\u1ea7n 40.000 ng\u01b0\u1eddi, c\u00f2n s\u1ed1 l\u01b0\u1ee3ng nh\u00e2n s\u1ef1 \u1edf c\u00e1c CTTC c\u00f3 th\u1ecb ph\u1ea7n nh\u1ecf v\u00e0 m\u1edbi th\u00e0nh l\u1eadp c\u0169ng kho\u1ea3ng v\u00e0i ng\u00e0n ng\u01b0\u1eddi.<\/p>\n

Hi\u1ec7n nay, c\u00e1c NHTM v\u00e0 CTTC c\u1ea1nh tranh tung ra th\u1ecb tr\u01b0\u1eddng h\u00e0ng lo\u1ea1t s\u1ea3n ph\u1ea9m \u0111\u00e1p \u1ee9ng nhu c\u1ea7u c\u1ee7a nhi\u1ec1u \u0111\u1ed1i t\u01b0\u1ee3ng kh\u00e1ch h\u00e0ng, g\u1ed3m cho vay mua s\u1eafm h\u00e0ng \u0111i\u1ec7n m\u00e1y, \u0111i\u1ec7n t\u1eed, n\u1ed9i th\u1ea5t, vay ti\u1ec1n m\u1eb7t, vay du h\u1ecdc, vay mua nh\u00e0, vay mua \u00f4 t\u00f4\u2026 v\u1edbi th\u1ee7 t\u1ee5c nhanh g\u1ecdn, \u0111\u01a1n gi\u1ea3n, thu\u1eadn ti\u1ec7n. V\u1ec1 ph\u00e1p l\u00fd, NHNN \u0111\u00e3 ban h\u00e0nh Th\u00f4ng t\u01b0 39\/2016 v\u00e0 Th\u00f4ng t\u01b0 43\/2016 t\u1ea1o l\u1eadp khu\u00f4n kh\u1ed5 ph\u00e1p l\u00fd m\u1edbi v\u1ec1 cho vay c\u1ee7a t\u1ed5 ch\u1ee9c t\u00edn d\u1ee5ng (TCTD) chi nh\u00e1nh NH n\u01b0\u1edbc ngo\u00e0i, CTTC \u0111\u1ed1i v\u1edbi kh\u00e1ch h\u00e0ng.<\/p>\n

Nh\u01b0 v\u1eady, c\u00f3 th\u1ec3 k\u1ebft lu\u1eadn h\u1ea1 t\u1ea7ng ph\u1ee5c v\u1ee5 cho vay ti\u00eau d\u00f9ng \u0111\u00e3 kh\u00e1 ho\u00e0n thi\u1ec7n. Trong \u0111i\u1ec1u ki\u1ec7n \u0111\u00f3, n\u1ebfu c\u00f3 th\u00eam ch\u00ednh s\u00e1ch t\u00edn d\u1ee5ng h\u1ed7 tr\u1ee3 ti\u00eau d\u00f9ng, nh\u00e0 \u1edf, d\u1ef1 b\u00e1o ngu\u1ed3n v\u1ed1n \u0111\u1ed5 v\u00e0o l\u0129nh v\u1ef1c n\u00e0y s\u1ebd c\u00f3 s\u1ef1 b\u1ee9t ph\u00e1 trong th\u1eddi gian t\u1edbi.<\/p>\n

C\u1ea7n ch\u00ednh s\u00e1ch ph\u00f9 h\u1ee3p\u00a0cho t\u00edn d\u1ee5ng B\u0110S<\/strong><\/p>\n

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Ch\u00ednh s\u00e1ch t\u00edn d\u1ee5ng h\u1ed7 tr\u1ee3 ti\u00eau d\u00f9ng, nh\u00e0 \u1edf v\u1eeba t\u1ed1t cho th\u1ecb tr\u01b0\u1eddng B\u0110S, gi\u00fap c\u00e1c NH t\u0103ng ngu\u1ed3n thu do l\u00e3i su\u1ea5t cao h\u01a1n cho vay s\u1ea3n xu\u1ea5t kinh doanh, v\u1eeba k\u00edch th\u00edch t\u0103ng tr\u01b0\u1edfng GDP v\u00e0 h\u1ed7 tr\u1ee3 th\u1ecb tr\u01b0\u1eddng B\u0110S \u0111\u1ec3 x\u1eed l\u00fd n\u1ee3 x\u1ea5u. Tuy nhi\u00ean, t\u00edn d\u1ee5ng lu\u00f4n \u0111i li\u1ec1n v\u1edbi n\u1ee3 x\u1ea5u, do \u0111\u00f3 \u0111i\u1ec1u quan tr\u1ecdng l\u00e0 NH ph\u1ea3i c\u00f3 gi\u1ea3i ph\u00e1p \u0111\u1ec3 qu\u1ea3n l\u00fd r\u1ee7i ro cho vay ti\u00eau d\u00f9ng, nh\u00e0 \u1edf v\u00e0 kh\u00f4ng th\u1ec3 cho vay m\u1ea1nh \u0111\u01b0\u1ee3c.<\/p>\n

TS. B\u00f9i Quang T\u00edn,<\/strong>\u00a0Tr\u01b0\u1eddng \u0110\u1ea1i h\u1ecdc NH TPHCM<\/em><\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n

N\u0103m 2016, t\u00edn d\u1ee5ng \u0111\u1ea7u t\u01b0 v\u00e0 kinh doanh B\u0110S t\u0103ng kho\u1ea3ng 12,5% so v\u1edbi cu\u1ed1i n\u0103m 2015 nh\u01b0ng ch\u1ec9 chi\u1ebfm 8,4% t\u1ed5ng t\u00edn d\u1ee5ng. Song h\u00ecnh th\u00e1i t\u00edn d\u1ee5ng B\u0110S \u0111ang c\u00f3 s\u1ef1 d\u1ecbch chuy\u1ec3n sang t\u00edn d\u1ee5ng ti\u00eau d\u00f9ng. C\u1ee5 th\u1ec3, t\u00edn d\u1ee5ng ti\u00eau d\u00f9ng t\u0103ng 39%, trong \u0111\u00f3 g\u1ea7n 50% t\u1eadp trung v\u00e0o l\u0129nh v\u1ef1c B\u0110S. NHNN c\u0169ng cho bi\u1ebft n\u0103m nay t\u00edn d\u1ee5ng B\u0110S ti\u1ebfp t\u1ee5c c\u00f3 xu h\u01b0\u1edbng t\u0103ng ch\u1eadm nh\u01b0 th\u1ec3 hi\u1ec7n trong n\u0103m 2016.<\/p>\n

Tuy nhi\u00ean, \u1ee6y ban Gi\u00e1m s\u00e1t t\u00e0i ch\u00ednh qu\u1ed1c gia l\u1ea1i cho bi\u1ebft cho vay ti\u00eau d\u00f9ng ti\u1ebfp t\u1ee5c t\u0103ng m\u1ea1nh trong qu\u00fd I-2017, \u01b0\u1edbc t\u0103ng kho\u1ea3ng 29,7% so v\u1edbi cu\u1ed1i n\u0103m 2016. Trong \u0111\u00f3 cho vay s\u1eeda ch\u1eefa nh\u00e0 \u1edf v\u00e0 mua nh\u00e0 \u0111\u1ec3 \u1edf t\u0103ng 38,4% so v\u1edbi cu\u1ed1i n\u0103m 2016, chi\u1ebfm 52,8% t\u1ed5ng t\u00edn d\u1ee5ng ti\u00eau d\u00f9ng (cu\u1ed1i n\u0103m 2016 chi\u1ebfm 49,5%). Nh\u01b0 v\u1eady, t\u00edn d\u1ee5ng ti\u00eau d\u00f9ng hi\u1ec7n \u0111ang c\u00f3 xu h\u01b0\u1edbng t\u1eadp trung cho vay trung v\u00e0 d\u00e0i h\u1ea1n.<\/p>\n

Theo nhi\u1ec1u chuy\u00ean gia, \u0111\u1eb7t trong b\u1ed1i c\u1ea3nh hi\u1ec7n t\u1ea1i c\u00f3 3 l\u00fd do Ch\u00ednh ph\u1ee7 y\u00eau c\u1ea7u NHNN xem x\u00e9t, \u0111\u1ec1 xu\u1ea5t ch\u00ednh s\u00e1ch t\u00edn d\u1ee5ng h\u1ed7 tr\u1ee3 t\u00edn d\u1ee5ng ti\u00eau d\u00f9ng, nh\u00e0 \u1edf. Th\u1ee9 nh\u1ea5t, xu\u1ea5t ph\u00e1t t\u1eeb m\u1ed1i quan h\u1ec7 ch\u1eb7t ch\u1ebd gi\u1eefa t\u0103ng tr\u01b0\u1edfng GDP v\u1edbi t\u0103ng tr\u01b0\u1edfng t\u00edn d\u1ee5ng. Nh\u01b0ng n\u1ebfu t\u00ednh ch\u1ec9 s\u1ed1 an to\u00e0n v\u1ed1n (CAR), hi\u1ec7n nay c\u00e1c NH v\u1eabn r\u00f3t v\u1ed1n v\u00e0o th\u1ecb tr\u01b0\u1eddng B\u0110S s\u1ebd \u1ea3nh h\u01b0\u1edfng nghi\u00eam tr\u1ecdng \u0111\u1ebfn h\u1ec7 s\u1ed1 CAR. Theo \u0111\u00f3, h\u1ec7 s\u1ed1 r\u1ee7i ro kinh doanh B\u0110S \u0111\u00e3 t\u0103ng t\u1eeb 150% l\u00ean 200% l\u00e0m cho CAR gi\u1ea3m xu\u1ed1ng. V\u00ec v\u1eady, nhi\u1ec1u NH c\u0169ng kh\u00e1 d\u00e8 d\u1eb7t trong v\u1ea5n \u0111\u1ec1 n\u00e0y n\u00ean c\u1ea7n ph\u1ea3i c\u00f3 ch\u00ednh s\u00e1ch r\u00f5 r\u00e0ng.<\/p>\n

Th\u1ee9 hai, hi\u1ec7n t\u1ea1i l\u00e0 th\u1eddi \u0111i\u1ec3m ph\u1ea3i ti\u1ebfp t\u1ee5c gi\u1eef t\u0103ng tr\u01b0\u1edfng t\u00edn d\u1ee5ng B\u0110S \u1edf m\u1ee9c h\u1ee3p l\u00fd \u0111\u1ec3 gi\u1ea3i quy\u1ebft c\u00e1c v\u1ea5n \u0111\u1ec1 t\u00e0i s\u1ea3n th\u1ebf ch\u1ea5p. Tr\u00ean 80% t\u00e0i s\u1ea3n th\u1ebf ch\u1ea5p c\u1ee7a c\u00e1c kho\u1ea3n n\u1ee3 x\u1ea5u hi\u1ec7n nay l\u00e0 B\u0110S, n\u1ebfu m\u1edf c\u00e1nh c\u1eeda \u0111\u1ec3 t\u00edn d\u1ee5ng ti\u00eau d\u00f9ng nh\u00e0 \u1edf cho ng\u01b0\u1eddi d\u00e2n c\u0169ng gi\u1ea3i quy\u1ebft m\u1ed9t ph\u1ea7n \u0111\u1ea7u ra B\u0110S.<\/p>\n

Th\u1ee9 ba, li\u00ean quan \u0111\u1ebfn v\u1ea5n \u0111\u1ec1 r\u1ee7i ro c\u0169ng nh\u01b0 t\u1ef7 l\u1ec7 v\u1ed1n ng\u1eafn h\u1ea1n cho vay trung v\u00e0 d\u00e0i h\u1ea1n theo Th\u00f4ng t\u01b0 06. Hi\u1ec7n nhi\u1ec1u NH \u0111\u00e3 ng\u1ea5p ngh\u00e9 t\u1ef7 l\u1ec7 n\u00e0y, th\u1eadm ch\u00ed nhi\u1ec1u NH \u1edf tr\u00ean m\u1ee9c 50%, n\u1ebfu ti\u1ebfp t\u1ee5c \u0111\u1ea9y m\u1ea1nh cho ng\u01b0\u1eddi d\u00e2n vay mua nh\u00e0 c\u0169ng ch\u00ednh l\u00e0 t\u0103ng t\u00edn d\u1ee5ng trung v\u00e0 d\u00e0i h\u1ea1n. \u0110i\u1ec1u n\u00e0y s\u1ebd t\u00e1c \u0111\u1ed9ng \u0111\u1ebfn t\u1ef7 l\u1ec7 n\u00e0y trong th\u1eddi gian t\u1edbi, trong khi NH \u0111ang r\u1ea5t kh\u00f3 kh\u0103n huy \u0111\u1ed9ng v\u1ed1n trung v\u00e0 d\u00e0i h\u1ea1n.<\/p>\n

Th\u1ef1c ra n\u1ebfu t\u00edn d\u1ee5ng ti\u00eau d\u00f9ng t\u1eadp trung v\u00e0o c\u00e1c kho\u1ea3n vay ti\u00eau d\u00f9ng ng\u1eafn h\u1ea1n, kh\u00f4ng c\u1ea7n k\u00edch th\u00edch v\u1eabn s\u1ebd t\u0103ng tr\u01b0\u1edfng m\u1ea1nh. Nh\u01b0ng t\u00edn d\u1ee5ng ti\u00eau d\u00f9ng trong l\u0129nh v\u1ef1c nh\u00e0 \u1edf l\u00e0 nh\u1eefng kho\u1ea3n vay trung v\u00e0 d\u00e0i h\u1ea1n v\u00e0 li\u00ean quan \u0111\u1ebfn v\u1ea5n \u0111\u1ec1 an to\u00e0n c\u1ee7a h\u1ec7 th\u1ed1ng NH, n\u00ean mu\u1ed1n ph\u00e1t tri\u1ec3n ph\u1ea3i c\u00f3 ch\u00ednh s\u00e1ch ph\u00f9 h\u1ee3p.
\n\"\"<\/p>\n

B\u01a1m v\u1ed1n t\u00edn d\u1ee5ng ti\u00eau d\u00f9ng ph\u1ea3i ki\u1ec3m so\u00e1t \u0111\u01b0\u1ee3c r\u1ee7i ro ngu\u1ed3n v\u1ed1n v\u00e0o B\u0110S nh\u00e0 \u1edf. \u1ea2nh: LONG THANH<\/em>\u00a0<\/em><\/p>\n

Ki\u1ec3m so\u00e1t r\u1ee7i ro<\/strong>
\n<\/strong>
\nTheo lu\u1eadt s\u01b0 Tr\u01b0\u01a1ng Thanh \u0110\u1ee9c, Gi\u00e1m \u0111\u1ed1c C\u00f4ng ty Lu\u1eadt ANVI, Tr\u1ecdng t\u00e0i vi\u00ean VIAC, \u0111\u1ed1i v\u1edbi ho\u1ea1t \u0111\u1ed9ng cho vay ti\u00eau d\u00f9ng, Th\u00f4ng t\u01b0 43 c\u1ee7a NHNN v\u1eeba b\u1ea3o v\u1ec7 quy\u1ec1n l\u1ee3i c\u1ee7a ng\u01b0\u1eddi \u0111i vay, v\u1eeba t\u1ea1o \u0111i\u1ec1u ki\u1ec7n th\u1ecb tr\u01b0\u1eddng t\u00e0i ch\u00ednh ti\u00eau d\u00f9ng Vi\u1ec7t Nam ph\u00e1t tri\u1ec3n l\u00e0nh m\u1ea1nh. Tuy nhi\u00ean, cho vay mua, x\u00e2y d\u1ef1ng nh\u00e0 \u1edf kh\u00f4ng thu\u1ed9c nhu c\u1ea7u ti\u00eau d\u00f9ng theo th\u00f4ng t\u01b0 n\u00e0y.<\/em><\/p>\n

Nh\u01b0 v\u1eady, ch\u1ec9 c\u00f3 c\u00e1c NHTM m\u1edbi \u0111\u01b0\u1ee3c cho vay x\u00e2y d\u1ef1ng v\u00e0 mua nh\u00e0 \u0111\u1ec3 \u1edf, c\u00f2n CTTC kh\u00f4ng \u0111\u01b0\u1ee3c tham gia. \u0110i\u1ec1u n\u00e0y c\u0169ng ph\u00f9 h\u1ee3p v\u1edbi th\u1ef1c t\u1ebf v\u00ec huy \u0111\u1ed9ng v\u1ed1n c\u1ee7a c\u00e1c CTTC kh\u00e1 khi\u00eam t\u1ed1n. Nh\u01b0ng b\u1ea3n th\u00e2n c\u00e1c NHTM c\u0169ng \u0111ang g\u1eb7p kh\u00f3 kh\u0103n trong vi\u1ec7c huy \u0111\u1ed9ng v\u1ed1n trung v\u00e0 d\u00e0i h\u1ea1n. H\u01a1n n\u1eefa \u1ee6y ban Gi\u00e1m s\u00e1t t\u00e0i ch\u00ednh qu\u1ed1c gia \u0111\u00e3 c\u1ea3nh b\u00e1o h\u00ecnh th\u00e1i t\u00edn d\u1ee5ng B\u0110S c\u00f3 s\u1ef1 chuy\u1ec3n d\u1ecbch v\u00e0o t\u00edn d\u1ee5ng ti\u00eau d\u00f9ng v\u00e0 c\u1ea7n \u0111\u01b0\u1ee3c theo d\u00f5i, \u0111\u00e1nh gi\u00e1.<\/p>\n

Tuy nhi\u00ean, hi\u1ec7n \u0111ang c\u00f3 nhi\u1ec1u \u00fd ki\u1ebfn lo ng\u1ea1i n\u1ebfu \u1ed3 \u1ea1t r\u00f3t v\u1ed1n thi\u1ebfu ki\u1ec3m so\u00e1t v\u00e0o ho\u1ea1t \u0111\u1ed9ng s\u1eeda ch\u1eefa, x\u00e2y d\u1ef1ng, mua nh\u00e0 c\u00f3 th\u1ec3 d\u1eabn \u0111\u1ebfn x\u1ea3y ra bong b\u00f3ng t\u00edn d\u1ee5ng \u1edf ph\u00e2n kh\u00fac n\u00e0y. B\u1edfi th\u1ef1c t\u1ebf \u1edf nhi\u1ec1u n\u01b0\u1edbc, cho vay ti\u00eau d\u00f9ng, cho vay mua nh\u00e0 ph\u00e1t tri\u1ec3n r\u1ea5t m\u1ea1nh v\u00ec h\u1ecd c\u00f3 nhi\u1ec1u c\u01a1 s\u1edf \u0111\u1ec3 th\u1ea9m \u0111\u1ecbnh kh\u00e1ch h\u00e0ng \u0111\u00f3.<\/p>\n

Ch\u1eb3ng h\u1ea1n t\u1ea1i Hoa K\u1ef3, c\u00e1c nh\u00e0 b\u0103ng d\u1ef1a tr\u00ean \u0111i\u1ec3m t\u00edn d\u1ee5ng c\u00e1 nh\u00e2n \u0111\u1ec3 th\u1ea9m \u0111\u1ecbnh kh\u00e1ch h\u00e0ng, \u0111\u1ed3ng th\u1eddi ng\u01b0\u1eddi d\u00e2n thu chi \u0111\u1ec1u qua h\u1ec7 th\u1ed1ng NH n\u00ean th\u00f4ng tin minh b\u1ea1ch. Tr\u00ean c\u01a1 s\u1edf \u0111\u00f3, c\u00e1c nh\u00e0 b\u0103ng \u0111\u00e1nh gi\u00e1 ti\u00eau chu\u1ea9n c\u1ee7a m\u1ed9t kh\u00e1ch h\u00e0ng kh\u00f4ng qu\u00e1 kh\u00f3 kh\u0103n. \u0110\u00f3 l\u00e0 l\u00fd do t\u0103ng tr\u01b0\u1edfng t\u00edn d\u1ee5ng ti\u00eau d\u00f9ng c\u1ee7a h\u1ecd r\u1ea5t cao nh\u01b0ng v\u1eabn ki\u1ec3m so\u00e1t \u0111\u01b0\u1ee3c r\u1ee7i ro. C\u00f2n \u1edf Vi\u1ec7t Nam v\u1eabn thi\u1ebfu th\u00f4ng tin th\u1ea9m \u0111\u1ecbnh kh\u00e1ch h\u00e0ng n\u00ean r\u1ee7i ro cho vay r\u1ea5t cao.<\/p>\n

\u0110\u1ee9ng \u1edf g\u00f3c \u0111\u1ed9 kh\u00e1c, m\u1ed9t s\u1ed1 chuy\u00ean gia \u0111\u1ec1 xu\u1ea5t mu\u1ed1n ph\u00e1t tri\u1ec3n kinh t\u1ebf ph\u1ea3i th\u00fac \u0111\u1ea9y vi\u1ec7c l\u00e0m. Ng\u00e0nh NH tr\u01b0\u1edbc ti\u00ean ph\u1ea3i t\u1eadp trung ph\u00e1t tri\u1ec3n cho vay s\u1ea3n xu\u1ea5t kinh doanh, v\u00ec k\u00eanh cho vay \u0111\u1ed1i v\u1edbi m\u1ea3ng n\u00e0y v\u1eabn ch\u01b0a \u0111\u1ee7 hi\u1ec7u qu\u1ea3, c\u1ea7n h\u1ed7 tr\u1ee3 th\u00eam.<\/p>\n

\u0110\u1ed3ng th\u1eddi c\u01a1 c\u1ea5u b\u1ed9 ph\u1eadn t\u00edn d\u1ee5ng doanh nghi\u1ec7p c\u1ee7a c\u00e1c NH c\u0169ng c\u1ea7n ph\u1ea3i thay \u0111\u1ed5i v\u00e0 n\u0103ng \u0111\u1ed9ng h\u01a1n. S\u1ea3n xu\u1ea5t ph\u00e1t tri\u1ec3n s\u1ebd t\u1ea1o ra vi\u1ec7c l\u00e0m, t\u1ea1o ti\u00eau th\u1ee5. Vi\u1ec7c l\u00e0m t\u1ea1o thu nh\u1eadp, v\u1eeba th\u00fac \u0111\u1ea9y ti\u00eau th\u1ee5 sinh gi\u00e1 tr\u1ecb gia t\u0103ng, v\u1eeba c\u00f3 \u0111i\u1ec1u ki\u1ec7n t\u00edch l\u0169y \u0111\u1ec3 mua nh\u00e0 \u1edf. C\u00f2n n\u1ebfu k\u00edch th\u00edch t\u00edn d\u1ee5ng nh\u00e0 \u1edf trong khi ch\u01b0a t\u1ea1o ra vi\u1ec7c l\u00e0m, thu nh\u1eadp, hi\u1ec7u qu\u1ea3 kh\u00f4ng cao v\u00e0 nhi\u1ec1u r\u1ee7i ro.<\/p>\n

Y\u00ean Lam<\/strong><\/p>\n

———–<\/p>\n

\u0110\u1ea7u t\u01b0 T\u00e0i ch\u00ednh (Ch\u1ee7 \u0111i\u1ec3m s\u1ef1 ki\u1ec7n) 15-6-2017:<\/em><\/strong><\/p>\n

http:\/\/saigondautu.com.vn\/chu-diem-su-kien\/tin-dung-tieu-dung-khai-thac-tiem-nang-ung-pho-rui-ro-46102.html<\/em><\/a><\/p>\n

(74\/1.975)<\/em>","protected":false},"excerpt":{"rendered":"

(\u0110TTC) – Ngh\u1ecb quy\u1ebft Ch\u00ednh ph\u1ee7 t\u1ea1i k\u1ef3 h\u1ecdp th\u00e1ng 5 y\u00eau c\u1ea7u Ng\u00e2n h\u00e0ng Nh\u00e0 n\u01b0\u1edbc (NHNN) xem x\u00e9t, \u0111\u1ec1 xu\u1ea5t ch\u00ednh s\u00e1ch t\u00edn d\u1ee5ng h\u1ed7 tr\u1ee3 ti\u00eau d\u00f9ng, nh\u00e0 \u1edf.\u00a0 Hi\u1ec7n t\u1ef7 l\u1ec7 cho vay ti\u00eau d\u00f9ng t\u1ea1i Vi\u1ec7t Nam v\u1eabn c\u00f2n th\u1ea5p so v\u1edbi c\u00e1c n\u01b0\u1edbc v\u00e0 ti\u1ec1m n\u0103ng c\u00f2n l\u1edbn, do […]<\/p>\n","protected":false},"author":3,"featured_media":27234,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":""},"categories":[17,26],"tags":[],"class_list":["post-27233","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-binh-luan-gop-y","category-legal-media"],"acf":[],"yoast_head":"\n1.365. 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