{"id":27999,"date":"2016-09-23T11:22:39","date_gmt":"2016-09-23T04:22:39","guid":{"rendered":"https:\/\/anvilaw.com\/vi\/?p=27999"},"modified":"2022-06-17T11:24:37","modified_gmt":"2022-06-17T04:24:37","slug":"1-027-ap-tran-lai-suat-20-van-cho-huong-dan","status":"publish","type":"post","link":"https:\/\/anvilaw.com\/vi\/1-027-ap-tran-lai-suat-20-van-cho-huong-dan\/","title":{"rendered":"1.027. \u00c1p tr\u1ea7n l\u00e3i su\u1ea5t 20%: V\u1eabn ch\u1edd\u2026 h\u01b0\u1edbng d\u1eabn"},"content":{"rendered":"(TBKD) – Vi\u1ec7c ch\u1eadm ban h\u00e0nh v\u0103n b\u1ea3n h\u01b0\u1edbng d\u1eabn li\u00ean quan \u0111\u1ebfn \u00e1p d\u1ee5ng m\u1ee9c tr\u1ea7n l\u00e3i su\u1ea5t t\u1ed1i \u0111a v\u1edbi kho\u1ea3n vay theo th\u1ecfa thu\u1eadn kh\u00f4ng \u0111\u01b0\u1ee3c v\u01b0\u1ee3t qu\u00e1 20%\/n\u0103m c\u1ee7a kho\u1ea3n ti\u1ec1n vay \u0111ang khi\u1ebfn d\u01b0 lu\u1eadn b\u0103n kho\u0103n: Li\u1ec7u m\u1ee9c tr\u1ea7n n\u00e0y c\u00f3 \u00e1p d\u1ee5ng \u0111\u1ed1i v\u1edbi m\u1ecdi lo\u1ea1i h\u00ecnh cho vay, k\u1ec3 c\u1ea3 vay ti\u00eau d\u00f9ng \u2013 v\u1ed1n \u0111ang \u00e1p m\u1ee9c l\u00e3i su\u1ea5t kh\u00e1 cao so v\u1edbi h\u1ec7 th\u1ed1ng ng\u00e2n h\u00e0ng?<\/strong><\/p>\n

B\u1ed9 Lu\u1eadt D\u00e2n s\u1ef1 (s\u1eeda \u0111\u1ed5i) \u0111\u01b0\u1ee3c Qu\u1ed1c h\u1ed9i th\u00f4ng qua ng\u00e0y 24\/11\/2015 c\u00f3 hi\u1ec7u l\u1ef1c t\u1eeb ng\u00e0y 1\/1\/2017 t\u1edbi \u0111\u00e2y quy \u0111\u1ecbnh m\u1ee9c tr\u1ea7n l\u00e3i su\u1ea5t t\u1ed1i \u0111a v\u1edbi kho\u1ea3n vay theo tho\u1ea3 thu\u1eadn.<\/p>\n

C\u1ee5 th\u1ec3, kho\u1ea3n 1 \u0110i\u1ec1u 468 quy \u0111\u1ecbnh: \u201cL\u00e3i su\u1ea5t vay do c\u00e1c b\u00ean th\u1ecfa thu\u1eadn. Tr\u01b0\u1eddng h\u1ee3p c\u00e1c b\u00ean c\u00f3 th\u1ecfa thu\u1eadn v\u1ec1 l\u00e3i su\u1ea5t th\u00ec l\u00e3i su\u1ea5t theo th\u1ecfa thu\u1eadn kh\u00f4ng \u0111\u01b0\u1ee3c v\u01b0\u1ee3t qu\u00e1 20%\/n\u0103m c\u1ee7a kho\u1ea3n ti\u1ec1n vay, tr\u1eeb tr\u01b0\u1eddng h\u1ee3p lu\u1eadt kh\u00e1c c\u00f3 li\u00ean quan quy \u0111\u1ecbnh kh\u00e1c\u201d.<\/p>\n

C\u00f3 n\u00ean \u00e1p tr\u1ea7n?<\/strong><\/p>\n

Theo m\u1ed9t s\u1ed1 lu\u1eadt s\u01b0, quy \u0111\u1ecbnh n\u00e0y nh\u1eb1m h\u1ea1n ch\u1ebf t\u00ecnh tr\u1ea1ng t\u00edn d\u1ee5ng \u0111en, cho vay n\u1eb7ng l\u00e3i, d\u1eabn t\u1edbi nhi\u1ec1u h\u1ec7 lu\u1ef5 ti\u00eau c\u1ef1c cho x\u00e3 h\u1ed9i. Tuy nhi\u00ean, hi\u1ec7n c\u00f3 nhi\u1ec1u b\u0103n kho\u0103n nh\u01b0: c\u00f3 n\u00ean \u00e1p tr\u1ea7n l\u00e3i vay, m\u1ee9c l\u00e3i su\u1ea5t n\u00e0o l\u00e0 ph\u00f9 h\u1ee3p, v\u1eeba s\u1ee9c ch\u1ecbu \u0111\u1ef1ng c\u1ee7a ng\u01b0\u1eddi vay, v\u1eeba \u0111\u1ea3m b\u1ea3o chi ph\u00ed v\u1ed1n v\u00e0 quan tr\u1ecdng h\u01a1n c\u1ea3 \u0111\u1ed1i t\u01b0\u1ee3ng c\u1ee5 th\u1ec3 n\u00e0o ph\u1ea3i \u00e1p d\u1ee5ng lu\u1eadt n\u00e0y\u2026<\/p>\n

\u0110\u00f3 l\u00e0 c\u00e2u h\u1ecfi m\u00e0 d\u01b0 lu\u1eadn \u0111ang b\u0103n kho\u0103n, b\u1edfi ch\u1ec9 c\u00f2n ba th\u00e1ng n\u1eefa l\u00e0 quy \u0111\u1ecbnh n\u00e0y c\u00f3 hi\u1ec7u l\u1ef1c, song hi\u1ec7n nay v\u1eabn c\u00f3 hai lu\u1ed3ng d\u01b0 lu\u1eadn tr\u00e1i chi\u1ec1u. M\u1ed9t b\u00ean cho r\u1eb1ng n\u00ean \u0111\u1ec3 th\u1ecb tr\u01b0\u1eddng \u0111i\u1ec1u ti\u1ebft, v\u00ec khi \u0111\u00e3 c\u1ea1nh tranh, c\u00e1c c\u00f4ng ty t\u00e0i ch\u00ednh ph\u1ea3i \u0111\u01b0a ra m\u1ee9c l\u00e3i su\u1ea5t h\u1ee3p l\u00fd nh\u1ea5t th\u00ec ng\u01b0\u1eddi ti\u00eau d\u00f9ng m\u1edbi l\u1ef1a ch\u1ecdn.<\/p>\n

Tuy v\u1eady, c\u0169ng c\u00f3 \u00fd ki\u1ebfn cho r\u1eb1ng c\u00f3 th\u1ec3 \u00e1p tr\u1ea7n l\u00e3i su\u1ea5t \u0111\u1ec3 b\u1ea3o v\u1ec7 ng\u01b0\u1eddi ti\u00eau d\u00f9ng, h\u1ea1n ch\u1ebf v\u1ea5n n\u1ea1n t\u00edn d\u1ee5ng \u0111en, nh\u01b0ng c\u1ea7n n\u1edbi r\u1ed9ng tr\u1ea7n l\u00e3i su\u1ea5t 48%-50%, \u0111\u1ec3 \u0111\u1ea3m b\u1ea3o m\u1ee9c l\u00e3i su\u1ea5t kh\u00f4ng v\u01b0\u1ee3t qu\u00e1 kh\u1ea3 n\u0103ng tr\u1ea3 n\u1ee3 c\u1ee7a ng\u01b0\u1eddi ti\u00eau d\u00f9ng.<\/p>\n

\"\"<\/p>\n

L\u00e3i su\u1ea5t theo th\u1ecfa thu\u1eadn kh\u00f4ng \u0111\u01b0\u1ee3c v\u01b0\u1ee3t qu\u00e1 20%\/n\u0103m c\u1ee7a kho\u1ea3n ti\u1ec1n vay…<\/em><\/p>\n

Trao \u0111\u1ed5i v\u1edbi m\u1ee9c tr\u1ea7n 20%, r\u1ea5t nhi\u1ec1u ng\u00e2n h\u00e0ng lo l\u1eafng, b\u1edfi quy \u0111\u1ecbnh n\u00e0y s\u1ebd g\u00e2y kh\u00f3 kh\u0103n cho h\u1ecd v\u00ec t\u00f9y t\u1eebng \u0111\u1ed1i t\u01b0\u1ee3ng kh\u00e1ch h\u00e0ng, l\u00e3i su\u1ea5t cho vay ti\u00eau d\u00f9ng c\u1ee7a c\u00e1c ng\u00e2n h\u00e0ng hi\u1ec7n nay c\u00f3 th\u1ec3 l\u00ean \u0111\u1ebfn 26% \u2013 27%\/n\u0103m, v\u00e0 c\u1ee7a c\u00f4ng ty t\u00e0i ch\u00ednh l\u00ean \u0111\u1ebfn 45% \u2013 65%\/n\u0103m.<\/p>\n

Nhi\u1ec1u chuy\u00ean gia c\u0169ng \u0111\u1ed3ng quan \u0111i\u1ec3m khi cho r\u1eb1ng vi\u1ec7c \u00e1p d\u1ee5ng tr\u1ea7n l\u00e3i su\u1ea5t l\u00e0 phi th\u1ecb tr\u01b0\u1eddng, phi th\u1ef1c t\u1ebf v\u00e0 nhi\u1ec1u khi khi\u1ebfn ng\u01b0\u1eddi ti\u00eau d\u00f9ng kh\u00f3 ti\u1ebfp c\u1eadn \u0111\u01b0\u1ee3c t\u1edbi ngu\u1ed3n v\u1ed1n t\u00edn d\u1ee5ng h\u01a1n.<\/p>\n

Ph\u00e2n t\u00edch v\u1ec1 v\u1ea5n \u0111\u1ec1 n\u00e0y, Ts. C\u1ea5n V\u0103n L\u1ef1c \u2013 chuy\u00ean gia t\u00e0i ch\u00ednh ng\u00e2n h\u00e0ng \u2013 cho r\u1eb1ng: \u201cHo\u1ea1t \u0111\u1ed9ng trong kinh t\u1ebf th\u1ecb tr\u01b0\u1eddng ph\u1ea3i tu\u00e2n theo c\u00e1c quy lu\u1eadt th\u1ecb tr\u01b0\u1eddng, m\u00e0 trong \u0111\u00f3 quy lu\u1eadt cung \u2013 c\u1ea7u l\u00e0 y\u1ebfu t\u1ed1 \u0111i\u1ec1u ti\u1ebft m\u1ea1nh m\u1ebd nh\u1ea5t. V\u00ec v\u1eady, c\u1ea7n ph\u1ea3i \u0111\u1ec3 th\u1ecb tr\u01b0\u1eddng v\u1eadn h\u00e0nh theo kinh t\u1ebf th\u1ecb tr\u01b0\u1eddng v\u00e0 n\u1ebfu \u00e1p m\u1ed9t m\u1ee9c tr\u1ea7n l\u00e3i su\u1ea5t kh\u00f4ng ph\u00f9 h\u1ee3p s\u1ebd d\u1eabn t\u1edbi \u201cb\u00f3p m\u00e9o\u201d th\u1ecb tr\u01b0\u1eddng\u201d.<\/p>\n

\u201cN\u1ebfu \u0111\u00e3 l\u00e0 kinh t\u1ebf th\u1ecb tr\u01b0\u1eddng th\u00ec kh\u00f4ng n\u00ean quy \u0111\u1ecbnh tr\u1ea7n l\u00e3i su\u1ea5t. H\u00e3y \u0111\u1ec3 c\u00e1c th\u00e0nh ph\u1ea7n kinh t\u1ebf t\u1ef1 th\u1ecfa thu\u1eadn v\u1edbi nhau tr\u00ean c\u01a1 s\u1edf t\u1ef1 nguy\u1ec7n, ph\u00f9 h\u1ee3p v\u00e0 tu\u00e2n th\u1ee7 ph\u00e1p lu\u1eadt\u201d, \u00f4ng L\u1ef1c khuy\u1ebfn ngh\u1ecb.<\/p>\n

\u00c1p tr\u1ea7n 20% cho \u0111\u1ed1i t\u01b0\u1ee3ng n\u00e0o?<\/strong><\/p>\n

M\u1ed9t v\u1ea5n \u0111\u1ec1 c\u0169ng khi\u1ebfn d\u01b0 lu\u1eadn quan t\u00e2m \u0111\u00f3 l\u00e0 \u0111\u1ed1i t\u01b0\u1ee3ng ch\u1ecbu \u1ea3nh h\u01b0\u1edfng c\u1ee7a quy \u0111\u1ecbnh n\u00e0y l\u00e0 ai? Theo c\u00e1c chuy\u00ean gia t\u00e0i ch\u00ednh, vi\u1ec7c \u00e1p tr\u1ea7n l\u00e3i su\u1ea5t 20%\/n\u0103m ch\u1ec9 ph\u00f9 h\u1ee3p v\u1edbi c\u00e1c giao d\u1ecbch vay m\u01b0\u1ee3n d\u00e2n s\u1ef1 gi\u1eefa c\u00e1c c\u00e1 nh\u00e2n ho\u1eb7c t\u1ed5 ch\u1ee9c t\u1ef1 ph\u00e1t (kh\u00f4ng c\u00f3 s\u1ef1 b\u1ea3o h\u1ed9 c\u1ee7a ph\u00e1p lu\u1eadt). Do \u0111\u00f3, c\u00e0ng c\u1ea7n c\u00f3 nhi\u1ec1u c\u00f4ng c\u1ee5 \u0111\u1ec3 b\u1ea3o v\u1ec7 ng\u01b0\u1eddi d\u00e2n, b\u1ea3o v\u1ec7 c\u00e1c ho\u1ea1t \u0111\u1ed9ng kinh t\u1ebf l\u00e0nh m\u1ea1nh.<\/p>\n

\u0110\u1ed1i v\u1edbi c\u00e1c ng\u00e2n h\u00e0ng th\u01b0\u01a1ng m\u1ea1i, c\u00f4ng ty t\u00e0i ch\u00ednh, c\u00e1c t\u1ed5 ch\u1ee9c t\u00e0i ch\u00ednh vi m\u00f4, h\u1ee3p t\u00e1c x\u00e3\u2026 v\u1ed1n ch\u1ecbu s\u1ef1 qu\u1ea3n l\u00fd b\u1edfi Ng\u00e2n h\u00e0ng Nh\u00e0 n\u01b0\u1edbc v\u00e0 c\u00e1c c\u01a1 quan ch\u1ee9c n\u0103ng, n\u1ebfu \u00e1p tr\u1ea7n l\u00e3i su\u1ea5t th\u00ec s\u1ebd t\u00e1c \u0111\u1ed9ng r\u1ea5t l\u1edbn \u0111\u1ebfn th\u1ecb tr\u01b0\u1eddng t\u00e0i ch\u00ednh, nh\u1ea5t l\u00e0 \u0111\u1ed1i v\u1edbi c\u00e1c c\u00f4ng ty cho vay ti\u00eau d\u00f9ng, b\u1edfi l\u00e3i su\u1ea5t c\u1ee7a h\u1ecd ph\u1ea3i \u1edf m\u1ee9c cao h\u01a1n h\u1ec7 th\u1ed1ng ng\u00e2n h\u00e0ng th\u01b0\u01a1ng m\u1ea1i l\u00e0 30%-40%, nh\u01b0 v\u1eady m\u1edbi \u0111\u1ee7 b\u00f9 \u0111\u1eafp r\u1ee7i ro.<\/p>\n

Hi\u1ec7n nay, d\u00f9 ch\u01b0a c\u00f3 v\u0103n b\u1ea3n h\u01b0\u1edbng d\u1eabn c\u1ee5 th\u1ec3 \u0111\u1ed1i t\u01b0\u1ee3ng \u00e1p d\u1ee5ng quy \u0111\u1ecbnh tr\u1ea7n l\u00e3i su\u1ea5t 20%, song theo gi\u1edbi lu\u1eadt s\u01b0, c\u00e1c quy \u0111\u1ecbnh trong lu\u1eadt \u0111\u00f4i khi v\u1eabn c\u00f3 nhi\u1ec1u c\u00e1ch hi\u1ec3u kh\u00e1c nhau, nh\u01b0 B\u1ed9 lu\u1eadt D\u00e2n s\u1ef1 2015 quy \u0111\u1ecbnh l\u00e0 \u00e1p v\u1edbi c\u1ea3 h\u1ec7 th\u1ed1ng ng\u00e2n h\u00e0ng nh\u01b0ng th\u1ef1c t\u1ebf l\u1ea1i kh\u00f4ng \u00e1p d\u1ee5ng m\u00e0 \u0111\u00e3 c\u1edfi m\u1edf cho TCTD \u0111\u01b0\u1ee3c ho\u1ea1t \u0111\u1ed9ng theo lu\u1eadt chuy\u00ean ng\u00e0nh.<\/p>\n

Lu\u1eadt s\u01b0 Tr\u01b0\u01a1ng Thanh \u0110\u1ee9c \u2013 Ch\u1ee7 nhi\u1ec7m C\u00e2u l\u1ea1c b\u1ed9 Ph\u00e1p ch\u1ebf Ng\u00e2n h\u00e0ng \u2013 Hi\u1ec7p h\u1ed9i Ng\u00e2n h\u00e0ng \u2013 c\u0169ng cho r\u1eb1ng: \u201cC\u00e2u t\u1eeb trong B\u1ed9 Lu\u1eadt D\u00e2n s\u1ef1 tho\u1ea1t ngh\u0129 s\u1ebd hi\u1ec3u r\u1eb1ng: M\u1ee9c tr\u1ea7n l\u00e3i su\u1ea5t 20% s\u1ebd \u00e1p d\u1ee5ng chung cho c\u1ea3 h\u1ec7 th\u1ed1ng t\u1ed5 ch\u1ee9c t\u00edn d\u1ee5ng l\u1eabn quan h\u1ec7 vay m\u01b0\u1ee3n trong d\u00e2n. Tuy nhi\u00ean, tr\u00ean th\u1ef1c t\u1ebf, l\u1ea1i ch\u1ec9 \u00e1p d\u1ee5ng cho vay m\u01b0\u1ee3n c\u00e1 nh\u00e2n\u201d.<\/em><\/p>\n

\u201cC\u00e1c t\u1ed5 ch\u1ee9c t\u00edn d\u1ee5ng \u0111\u1eb7t d\u01b0\u1edbi s\u1ef1 ki\u1ec3m so\u00e1t ch\u1eb7t ch\u1ebd c\u1ee7a Ng\u00e2n h\u00e0ng Nh\u00e0 n\u01b0\u1edbc v\u00e0 \u0111\u01b0\u01a1ng nhi\u00ean, h\u1ec7 th\u1ed1ng ng\u00e2n h\u00e0ng th\u00ec \u0111\u00e3 c\u00f3 c\u01a1 ch\u1ebf t\u1ef1 ki\u1ec3m so\u00e1t l\u1eabn nhau. Do v\u1eady, quy \u0111\u1ecbnh v\u1ec1 tr\u1ea7n l\u00e3i su\u1ea5t n\u00eau trong B\u1ed9 lu\u1eadt D\u00e2n s\u1ef1 2015 ch\u1ee7 y\u1ebfu l\u00e0 ch\u1ec9 \u0111\u1ec3 kh\u1ed1ng ch\u1ebf trong quan h\u1ec7 gi\u1eefa d\u00e2n v\u1edbi d\u00e2n, ch\u1ee9 kh\u00f4ng \u00e1p d\u1ee5ng \u0111\u1ed1i v\u1edbi c\u00e1c t\u1ed5 ch\u1ee9c t\u00edn d\u1ee5ng.<\/p>\n

H\u01a1n n\u1eefa, m\u1ee5c \u0111\u00edch h\u01b0\u1edbng \u0111\u1ebfn c\u1ee7a vi\u1ec7c \u00e1p tr\u1ea7n l\u00e3i su\u1ea5t 20% c\u1ee7a Lu\u1eadt D\u00e2n s\u1ef1 2015 ch\u00ednh l\u00e0 \u0111\u1ec3 ki\u1ec3m so\u00e1t v\u00e0 ng\u0103n ng\u1eeba t\u00ecnh tr\u1ea1ng t\u00edn d\u1ee5ng \u0111en \u0111ang b\u00f9ng ph\u00e1t b\u1ea5y l\u00e2u nay trong x\u00e3 h\u1ed9i\u201d, nguy\u00ean B\u1ed9 tr\u01b0\u1edfng H\u00e0 H\u00f9ng C\u01b0\u1eddng ph\u00e2n t\u00edch.<\/p>\n

Th\u00e0nh Vinh<\/strong><\/p>\n

—————————————————————-<\/p>\n

Th\u1eddi b\u00e1o Kinh doanh (Ng\u00e2n h\u00e0ng) 23-9-2016:<\/em><\/strong><\/p>\n

http:\/\/thoibaokinhdoanh.vn\/Ngan-hang-5\/Ap-tran-lai-suat-20-Van-cho%E2%80%A6-huong-dan-26680.html<\/a><\/em><\/p>\n

(71\/1.069)<\/em>","protected":false},"excerpt":{"rendered":"

(TBKD) – Vi\u1ec7c ch\u1eadm ban h\u00e0nh v\u0103n b\u1ea3n h\u01b0\u1edbng d\u1eabn li\u00ean quan \u0111\u1ebfn \u00e1p d\u1ee5ng m\u1ee9c tr\u1ea7n l\u00e3i su\u1ea5t t\u1ed1i \u0111a v\u1edbi kho\u1ea3n vay theo th\u1ecfa thu\u1eadn kh\u00f4ng \u0111\u01b0\u1ee3c v\u01b0\u1ee3t qu\u00e1 20%\/n\u0103m c\u1ee7a kho\u1ea3n ti\u1ec1n vay \u0111ang khi\u1ebfn d\u01b0 lu\u1eadn b\u0103n kho\u0103n: Li\u1ec7u m\u1ee9c tr\u1ea7n n\u00e0y c\u00f3 \u00e1p d\u1ee5ng \u0111\u1ed1i v\u1edbi m\u1ecdi lo\u1ea1i h\u00ecnh cho […]<\/p>\n","protected":false},"author":1,"featured_media":28000,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":""},"categories":[17,26],"tags":[],"class_list":["post-27999","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-binh-luan-gop-y","category-legal-media"],"acf":[],"yoast_head":"\n1.027. \u00c1p tr\u1ea7n l\u00e3i su\u1ea5t 20%: V\u1eabn ch\u1edd\u2026 h\u01b0\u1edbng d\u1eabn - 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