{"id":28009,"date":"2017-02-15T13:27:18","date_gmt":"2017-02-15T06:27:18","guid":{"rendered":"https:\/\/anvilaw.com\/vi\/?p=28009"},"modified":"2022-06-17T13:37:30","modified_gmt":"2022-06-17T06:37:30","slug":"1-214-lo-tac-von-ngan-hang-vi-quy-dinh-moi","status":"publish","type":"post","link":"https:\/\/anvilaw.com\/vi\/1-214-lo-tac-von-ngan-hang-vi-quy-dinh-moi\/","title":{"rendered":"1.214. Lo \u201ct\u1eafc\u201d v\u1ed1n ng\u00e2n h\u00e0ng v\u00ec quy \u0111\u1ecbnh m\u1edbi"},"content":{"rendered":"(TT) – Theo h\u01b0\u1edbng d\u1eabn m\u1edbi c\u1ee7a Ng\u00e2n h\u00e0ng Nh\u00e0 n\u01b0\u1edbc, ch\u1ec9 c\u00f3 ph\u00e1p nh\u00e2n ho\u1eb7c c\u00e1 nh\u00e2n m\u1edbi \u0111\u01b0\u1ee3c vay v\u1ed1n ng\u00e2n h\u00e0ng. Trong khi \u0111\u00f3 h\u1ed9 kinh doanh, t\u1ed5 h\u1ee3p t\u00e1c v\u00ec kh\u00f4ng ph\u1ea3i ph\u00e1p nh\u00e2n n\u00ean \u0111ang lo b\u1ecb… t\u1eafc v\u1ed1n.<\/strong><\/p>\n\n\n\n\n
\"\"<\/td>\n<\/tr>\n
H\u1ed9 gia \u0111\u00ecnh, t\u1ed5 h\u1ee3p t\u00e1c s\u1ebd kh\u00f4ng \u0111\u01b0\u1ee3c vay v\u1ed1n v\u1edbi t\u01b0 c\u00e1ch t\u1ed5 ch\u1ee9c t\u1eeb ng\u00e0y 15-3 khi\u1ebfn nhi\u1ec1u ng\u01b0\u1eddi lo l\u1eafng. Trong \u1ea3nh: kh\u00e1ch giao d\u1ecbch t\u1ea1i m\u1ed9t ng\u00e2n h\u00e0ng \u1edf TP.HCM – \u1ea2nh: T.T.D.<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n

Theo quy \u0111\u1ecbnh, t\u1eeb ng\u00e0y 15-3-2017 \u0111\u1ea1i di\u1ec7n h\u1ed9 kinh doanh kh\u00f4ng \u0111\u01b0\u1ee3c k\u00fd vay v\u1ed1n t\u1ea1i c\u00e1c ng\u00e2n h\u00e0ng (NH) \u0111ang khi\u1ebfn kh\u00f4ng \u00edt ch\u1ee7 h\u1ed9 bu\u00f4n b\u00e1n, kinh doanh lo l\u1eafng. Tuy nhi\u00ean, c\u00e1c NH tr\u1ea5n an s\u1ebd kh\u00f4ng c\u00f3 nhi\u1ec1u thay \u0111\u1ed5i.<\/p>\n

T\u1ed5 h\u1ee3p t\u00e1c, h\u1ed9 kinh doanh lo ng\u1ea1i<\/strong><\/p>\n

Theo ch\u1ecb Nguy\u1ec5n Kim Y\u1ebfn – ch\u1ee7 ti\u1ec7m n\u01b0\u1edbc gi\u1ea3i kh\u00e1t Thanh Y\u1ebfn (Q.T\u00e2n B\u00ecnh, TP.HCM), ch\u1ecb r\u1ea5t ng\u1ea1i ph\u1ea3i chuy\u1ec3n \u0111\u1ed5i m\u00f4 h\u00ecnh kinh doanh hi\u1ec7n nay \u201cv\u00ec nhu c\u1ea7u gia \u0111\u00ecnh ch\u1ec9 mu\u1ed1n l\u00e0m \u0103n kinh doanh nh\u1ecf, c\u00f3 \u0111\u1ed3ng ra \u0111\u1ed3ng v\u00e0o\u201d.<\/p>\n

Th\u1eeba nh\u1eadn v\u1eabn c\u00f3 nhu c\u1ea7u vay v\u1ed1n, nh\u01b0ng ch\u1ecb Y\u1ebfn n\u00f3i r\u1eb1ng s\u1ed1 v\u1ed1n ch\u1ecb c\u1ea7n kh\u00f4ng qu\u00e1 l\u1edbn \u0111\u1ebfn m\u1ee9c ph\u1ea3i th\u00e0nh l\u1eadp doanh nghi\u1ec7p.<\/p>\n

\u201cN\u1ebfu t\u00f4i vay 100 tri\u1ec7u \u0111\u1ed3ng m\u00e0 ph\u1ea3i ra NH, r\u1ed3i kh\u00f4ng bi\u1ebft ph\u1ea3i \u0111\u00e1p \u1ee9ng \u0111\u01b0\u1ee3c th\u1ee7 t\u1ee5c g\u00ec hay ph\u1ea3i c\u1ea7m gi\u1ea5y t\u1edd nh\u00e0 th\u00ec ng\u1ea1i qu\u00e1\u201d – ch\u1ecb Y\u1ebfn n\u00f3i.<\/p>\n

\u00d4ng Nguy\u1ec5n Minh Chi\u1ebfn – t\u1ed5 h\u1ee3p t\u00e1c nu\u00f4i c\u00e1 l\u1ed3ng x\u00e3 Xu\u00e2n L\u1ed9c, huy\u1ec7n Thanh Th\u1ee7y (Ph\u00fa Th\u1ecd) – cho bi\u1ebft kh\u00e1 b\u1ea5t ng\u1edd v\u1edbi quy \u0111\u1ecbnh t\u1eeb ng\u00e0y 15-3 t\u1ed5 h\u1ee3p t\u00e1c s\u1ebd kh\u00f4ng \u0111\u01b0\u1ee3c \u0111\u1ee9ng t\u00ean vay v\u1ed1n NH n\u1eefa.<\/p>\n

Vi\u1ec7c m\u1ed9t c\u00e1 nh\u00e2n ph\u1ea3i \u0111\u1ee9ng ra vay v\u1ed1n cho t\u1ed5 h\u1ee3p t\u00e1c, \u00f4ng Chi\u1ebfn cho r\u1eb1ng ch\u1eafc ch\u1eafn kh\u00f4ng ai d\u00e1m.<\/p>\n

\u201cV\u00ec r\u1ee7i ro thua l\u1ed7 th\u00ec ng\u01b0\u1eddi k\u00fd h\u1ee3p \u0111\u1ed3ng vay s\u1ebd ch\u1ecbu tr\u00e1ch nhi\u1ec7m. \u00c9p t\u1ed5 h\u1ee3p t\u00e1c th\u00e0nh doanh nghi\u1ec7p c\u0169ng kh\u00f3 khi kinh nghi\u1ec7m v\u1ec1 l\u00e0m s\u1ed5 s\u00e1ch, k\u1ebf to\u00e1n… c\u1ee7a c\u00e1c th\u00e0nh vi\u00ean kh\u00f4ng nhi\u1ec1u\u201d – \u00f4ng Chi\u1ebfn lo ng\u1ea1i.<\/p>\n

N\u00f3i v\u1ec1 \u0111i\u1ec1u n\u00e0y, \u00f4ng \u0110o\u00e0n Th\u00e1i S\u01a1n – v\u1ee5 tr\u01b0\u1edfng V\u1ee5 Ph\u00e1p ch\u1ebf, NH Nh\u00e0 n\u01b0\u1edbc – cho r\u1eb1ng gi\u1ea3i ph\u00e1p t\u1ed1t nh\u1ea5t l\u00e0 c\u00f3 th\u1ec3 nh\u1eefng c\u00e1 nh\u00e2n tham gia d\u1ef1 \u00e1n s\u1ea3n xu\u1ea5t c\u1ee7a t\u1ed5 ch\u1ee9c n\u00e0y c\u00f9ng \u0111\u1ee9ng ra vay. \u0110\u01a1n c\u1eed l\u00e0 t\u1ed5 h\u1ee3p t\u00e1c c\u00f3 4 ng\u01b0\u1eddi th\u00ec ph\u1ea3i c\u1ea3 4 ng\u01b0\u1eddi \u0111\u1ee9ng ra vay v\u1ed1n.<\/p>\n

Nh\u01b0 v\u1eady, c\u00e1c c\u00e1 nh\u00e2n s\u1ebd c\u00f9ng g\u00e1nh v\u00e1c tr\u00e1ch nhi\u1ec7m v\u00e0 vi\u1ec7c quy tr\u00e1ch nhi\u1ec7m tr\u1ea3 n\u1ee3 kho\u1ea3n vay c\u0169ng d\u1ec5 h\u01a1n.<\/p>\n

Tuy nhi\u00ean, nhi\u1ec1u chuy\u00ean gia cho r\u1eb1ng vi\u1ec7c n\u00e0y s\u1ebd khi\u1ebfn t\u0103ng th\u1eddi gian th\u1ea9m \u0111\u1ecbnh, kh\u00f4ng lo\u1ea1i tr\u1eeb t\u0103ng chi ph\u00ed v\u00e0 khi\u1ebfn c\u00e1c NH ng\u1ea1i cho vay n\u1ebfu kho\u1ea3n vay nh\u1ecf…<\/p>\n

Ch\u1ec9 thay \u0111\u1ed5i v\u1ec1 th\u1ee7 t\u1ee5c<\/strong><\/p>\n

Trao \u0111\u1ed5i v\u1edbi\u00a0Tu\u1ed5i Tr\u1ebb<\/em>, m\u1ed9t s\u1ed1 NH cho r\u1eb1ng vi\u1ec7c cho vay theo h\u1ed9 c\u00e1 nh\u00e2n s\u1ebd c\u00f3 m\u1ed9t s\u1ed1 \u0111i\u1ec1u ch\u1ec9nh nh\u1ecf v\u1ec1 m\u1eb7t th\u1ee7 t\u1ee5c, c\u1ee5 th\u1ec3 t\u00ean \u0111\u1ec1 ngh\u1ecb vay v\u1ed1n chuy\u1ec3n t\u1eeb h\u1ed9 gia \u0111\u00ecnh th\u00e0nh t\u00ean c\u00e1 nh\u00e2n \u0111\u1ee9ng t\u00ean vay.<\/p>\n

Theo c\u00e1c NH, nh\u1eefng h\u1ed3 s\u01a1 \u0111\u1ee9ng t\u00ean h\u1ed9 gia \u0111\u00ecnh vay tr\u01b0\u1edbc \u0111\u00e2y ch\u01b0a \u0111\u1ebfn h\u1ea1n s\u1ebd kh\u00f4ng ph\u1ea3i k\u00fd l\u1ea1i v\u00ec th\u00f4ng t\u01b0 39 kh\u00f4ng quy \u0111\u1ecbnh h\u1ed3i t\u1ed1. V\u1ec1 l\u00e3i su\u1ea5t vay, theo c\u00e1c NH, kh\u00f4ng kh\u00e1c nhi\u1ec1u gi\u1eefa h\u1ed9 kinh doanh v\u00e0 c\u00e1 nh\u00e2n, dao \u0111\u1ed9ng 8,5-9%\/n\u0103m.<\/p>\n

\u0110\u1ea1i di\u1ec7n Sacombank cho bi\u1ebft theo quy \u0111\u1ecbnh tr\u01b0\u1edbc \u0111\u00e2y, NH \u0111\u01b0\u1ee3c cho vay v\u1edbi \u201ct\u1ed5 ch\u1ee9c\u201d v\u00e0 \u201cc\u00e1 nh\u00e2n\u201d, c\u00f2n theo quy \u0111\u1ecbnh m\u1edbi th\u00ec NH \u0111\u01b0\u1ee3c cho vay v\u1edbi c\u00e1 nh\u00e2n v\u00e0 ph\u00e1p nh\u00e2n, nh\u01b0 v\u1eady \u201ct\u1ed5 ch\u1ee9c\u201d ph\u1ea3i l\u00e0 \u201cph\u00e1p nh\u00e2n\u201d.<\/p>\n

Tuy nhi\u00ean, theo v\u1ecb \u0111\u1ea1i di\u1ec7n NH n\u00e0y, quy \u0111\u1ecbnh m\u1edbi kh\u00f4ng \u1ea3nh h\u01b0\u1edfng \u0111\u1ebfn vi\u1ec7c cho vay, c\u00f3 ch\u0103ng ch\u1ec9 \u1ea3nh h\u01b0\u1edfng \u0111\u1ebfn th\u1ee7 t\u1ee5c vay v\u00e0 m\u1ed7i NH s\u1ebd \u0111i\u1ec1u ch\u1ec9nh sao cho ph\u00f9 h\u1ee3p v\u1edbi quy \u0111\u1ecbnh c\u1ee7a NH Nh\u00e0 n\u01b0\u1edbc.<\/p>\n

M\u1ed9t c\u00e1n b\u1ed9 t\u00edn d\u1ee5ng c\u1ee7a Agribank H\u00e0 N\u1ed9i \u0111\u00e1nh gi\u00e1 quy \u0111\u1ecbnh m\u1edbi s\u1ebd kh\u00f4ng \u1ea3nh h\u01b0\u1edfng nhi\u1ec1u n\u1ebfu \u0111\u1ed1i t\u01b0\u1ee3ng vay v\u1ed1n l\u00e0 doanh nghi\u1ec7p t\u01b0 nh\u00e2n v\u00e0 h\u1ed9 kinh doanh c\u00f3 1 ng\u01b0\u1eddi l\u00e0m ch\u1ee7.<\/p>\n

Tuy nhi\u00ean t\u1ed5 h\u1ee3p t\u00e1c, h\u1ed9 kinh doanh nhi\u1ec1u th\u00e0nh ph\u1ea7n (n\u00f3i chung l\u00e0 t\u1ed5 ch\u1ee9c) s\u1ebd b\u1ecb t\u00e1c \u0111\u1ed9ng, b\u1edfi ch\u1ec9 c\u00e1 nh\u00e2n \u0111\u01b0\u1ee3c \u0111\u1ee9ng ra vay.<\/p>\n

M\u00e0 vay v\u1edbi t\u01b0 c\u00e1ch c\u00e1 nh\u00e2n th\u00ec \u0111i\u1ec1u l\u1ec7 c\u1ee7a t\u1ed5 ch\u1ee9c n\u00e0y s\u1ebd ph\u1ea3i s\u1eeda \u0111\u1ed5i \u0111\u1ec3 quy \u0111\u1ecbnh nh\u01b0 ai \u0111\u1ee9ng ra vay, tr\u00e1ch nhi\u1ec7m tr\u1ea3 n\u1ee3 nh\u01b0 th\u1ebf n\u00e0o… ho\u1eb7c c\u00e1c t\u1ed5 ch\u1ee9c s\u1ebd ph\u1ea3i th\u00e0nh l\u1eadp doanh nghi\u1ec7p \u0111\u1ec3 vay v\u1edbi t\u01b0 c\u00e1ch ph\u00e1p nh\u00e2n.<\/p>\n

\u201cTh\u1eadt t\u00ecnh ph\u00eda NH c\u0169ng th\u1ea5y l\u00fang t\u00fang v\u00e0 \u0111ang xem h\u01b0\u1edbng t\u01b0 v\u1ea5n cho kh\u00e1ch sao cho v\u1ed1n kh\u00f4ng b\u1ecb t\u1eafc. Hi\u1ec7n s\u1ed1 l\u01b0\u1ee3ng t\u1ed5 h\u1ee3p t\u00e1c, h\u1ed9 gia \u0111\u00ecnh vay v\u1ed1n kh\u00f4ng qu\u00e1 l\u1edbn, nh\u01b0ng h\u1ecd \u0111ang gi\u1ea3i quy\u1ebft vi\u1ec7c l\u00e0m v\u00e0 t\u1ea1o thu nh\u1eadp cho r\u1ea5t nhi\u1ec1u lao \u0111\u1ed9ng\u201d – c\u00e1n b\u1ed9 Agribank n\u00f3i.<\/p>\n

S\u1ebd t\u1eadp hu\u1ea5n cho c\u00e1c ng\u00e2n h\u00e0ng<\/strong><\/p>\n

Trao \u0111\u1ed5i v\u1edbi\u00a0Tu\u1ed5i Tr\u1ebb<\/em>\u00a0v\u1ec1 nguy\u00ean nh\u00e2n c\u1ee7a quy \u0111\u1ecbnh m\u1edbi, \u00f4ng \u0110o\u00e0n Th\u00e1i S\u01a1n gi\u1ea3i th\u00edch B\u1ed9 lu\u1eadt d\u00e2n s\u1ef1 2015 quy \u0111\u1ecbnh chu\u0309 th\u00ea\u0309 tham gia quan h\u00ea\u0323 d\u00e2n s\u01b0\u0323 l\u00e0 pha\u0301p nh\u00e2n v\u00e0 ca\u0301 nh\u00e2n.<\/p>\n

Do \u0111\u00f3, t\u1eeb ng\u00e0y 15-3 th\u00f4ng t\u01b0 39 c\u1ee7a NH Nh\u00e0 n\u01b0\u1edbc c\u0169ng ph\u1ea3i quy \u0111\u1ecbnh kh\u00e1ch h\u00e0ng vay v\u1ed1n l\u00e0 ph\u00e1p nh\u00e2n v\u00e0 c\u00e1 nh\u00e2n.<\/p>\n

\u00d4ng S\u01a1n n\u00f3i th\u00eam n\u1ebfu duy tr\u00ec quy \u0111\u1ecbnh c\u0169 l\u00e0 NH v\u1eabn cho vay \u0111\u1ed1i v\u1edbi t\u1ed5 h\u1ee3p t\u00e1c, h\u1ed9 kinh doanh th\u00ec… r\u1ee7i ro cho NH v\u00e0 c\u1ea3 n\u1ec1n kinh t\u1ebf, v\u00ec r\u1ea5t kh\u00f3 quy tr\u00e1ch nhi\u1ec7m cho c\u00e1c t\u1ed5 ch\u1ee9c n\u00e0y khi kh\u00f4ng tr\u1ea3 n\u1ee3 \u0111\u00fang h\u1ea1n. V\u00ec t\u1ed5 h\u1ee3p t\u00e1c, h\u1ed9 kinh doanh… l\u00e0 m\u1ed9t nh\u00f3m ng\u01b0\u1eddi.<\/p>\n

Ch\u00ednh v\u00ec th\u1ebf h\u1ed9 kinh doanh, t\u1ed5 h\u1ee3p t\u00e1c, doanh nghi\u1ec7p t\u01b0 nh\u00e2n… mu\u1ed1n vay v\u1ed1n NH ph\u1ea3i c\u00f3 th\u00e0nh vi\u00ean \u0111\u1ee9ng ra vay v\u1edbi t\u01b0 c\u00e1ch c\u00e1 nh\u00e2n.<\/p>\n

Theo \u00f4ng S\u01a1n, d\u1ef1 ki\u1ebfn m\u1ed9t v\u00e0i ng\u00e0y t\u1edbi NH Nh\u00e0 n\u01b0\u1edbc s\u1ebd t\u1eadp hu\u1ea5n cho c\u00e1c NH th\u01b0\u01a1ng m\u1ea1i v\u1ec1 n\u1ed9i dung m\u1edbi \u0111\u1ec3 \u0111\u1ea3m b\u1ea3o ho\u1ea1t \u0111\u1ed9ng cho vay v\u1eabn b\u00ecnh th\u01b0\u1eddng, kh\u00f4ng c\u00f3 \u00e1ch t\u1eafc v\u1ed1n.<\/p>\n

Li\u00ean quan \u0111\u1ebfn v\u1ea5n \u0111\u1ec1 n\u00e0y, \u00f4ng Nguy\u1ec5n Ho\u00e0ng Minh – ph\u00f3 gi\u00e1m \u0111\u1ed1c NH Nh\u00e0 n\u01b0\u1edbc TP – cho bi\u1ebft v\u1eeba c\u00f3 v\u0103n b\u1ea3n y\u00eau c\u1ea7u c\u00e1c NH tr\u00ean \u0111\u1ecba b\u00e0n ph\u1ea3i x\u00e2y d\u1ef1ng quy ch\u1ebf, quy tr\u00ecnh cho vay c\u0169ng nh\u01b0 c\u00e1c quy \u0111\u1ecbnh n\u1ed9i b\u1ed9 theo quy \u0111\u1ecbnh c\u1ee7a th\u00f4ng t\u01b0 39.<\/p>\n

C\u00e1c NH c\u0169ng ph\u1ea3i tham gia c\u00e1c \u0111\u1ee3t t\u1eadp hu\u1ea5n c\u1ee7a NH Nh\u00e0 n\u01b0\u1edbc c\u0169ng nh\u01b0 t\u1ed5 ch\u1ee9c tri\u1ec3n khai t\u1eadp hu\u1ea5n trong to\u00e0n b\u1ed9 h\u1ec7 th\u1ed1ng.<\/p>\n

\u201c\u0110\u00e2y l\u00e0 m\u1ed9t ch\u00ednh s\u00e1ch l\u1edbn, ph\u1ea1m vi \u0111i\u1ec1u ch\u1ec9nh r\u1ed9ng li\u00ean quan tr\u1ef1c ti\u1ebfp \u0111\u1ebfn ho\u1ea1t \u0111\u1ed9ng kinh doanh c\u1ee7a ch\u00ednh t\u1ed5 ch\u1ee9c t\u00edn d\u1ee5ng v\u00e0 \u1ea3nh h\u01b0\u1edfng \u0111\u1ebfn to\u00e0n b\u1ed9 n\u1ec1n kinh t\u1ebf. V\u00ec v\u1eady c\u00e1c t\u1ed5 ch\u1ee9c t\u00edn d\u1ee5ng c\u1ea7n \u0111\u1eb7c bi\u1ec7t quan t\u00e2m t\u1ed5 ch\u1ee9c tri\u1ec3n khai th\u1ef1c hi\u1ec7n t\u1ed1t th\u00f4ng t\u01b0 n\u00e0y\u201d – \u00f4ng Minh nh\u1ea5n m\u1ea1nh.<\/p>\n\n\n\n
\u00d4ng Nguy\u1ec5n Ho\u00e0ng Minh<\/strong>\u00a0(ph\u00f3 gi\u00e1m \u0111\u1ed1c NHNN TP.HCM):<\/em><\/p>\n

Y\u00eau c\u1ea7u ng\u00e2n h\u00e0ng \u0111\u01a1n gi\u1ea3n th\u1ee7 t\u1ee5c cho vay<\/strong><\/p>\n

\u0110\u1ec3 th\u1ef1c hi\u1ec7n quy \u0111\u1ecbnh m\u1edbi, NH Nh\u00e0 n\u01b0\u1edbc TP y\u00eau c\u1ea7u c\u00e1c t\u1ed5 ch\u1ee9c t\u00edn d\u1ee5ng c\u1ea7n quan t\u00e2m th\u1ef1c hi\u1ec7n \u0111\u1ea7y \u0111\u1ee7 c\u00e1c quy \u0111\u1ecbnh v\u1ec1 \u0111\u01a1n gi\u1ea3n th\u1ee7 t\u1ee5c cho vay, \u0111\u1ea3m b\u1ea3o minh b\u1ea1ch trong ho\u1ea1t \u0111\u1ed9ng cho vay, b\u1ea3o \u0111\u1ea3m an to\u00e0n v\u00e0 hi\u1ec7u qu\u1ea3 ho\u1ea1t \u0111\u1ed9ng t\u00edn d\u1ee5ng c\u0169ng nh\u01b0 b\u1ea3o v\u1ec7 quy\u1ec1n l\u1ee3i c\u1ee7a kh\u00e1ch h\u00e0ng vay.<\/p>\n

Ngo\u00e0i ra, c\u00e1c NH c\u0169ng ph\u1ea3i c\u00f4ng khai h\u1ee3p \u0111\u1ed3ng m\u1eabu, \u0111i\u1ec1u ki\u1ec7n giao d\u1ecbch chung; cung c\u1ea5p cho kh\u00e1ch h\u00e0ng \u0111\u1ea7y \u0111\u1ee7 th\u00f4ng tin tr\u01b0\u1edbc khi x\u00e1c l\u1eadp th\u1ecfa thu\u1eadn cho vay…<\/p>\n

C\u00e1c NH c\u0169ng ph\u1ea3i th\u1ef1c hi\u1ec7n ch\u1ebf \u0111\u1ed9 b\u00e1o c\u00e1o sau khi tri\u1ec3n khai th\u1ef1c hi\u1ec7n th\u00f4ng t\u01b0 tr\u01b0\u1edbc ng\u00e0y 15-4 cho NH Nh\u00e0 n\u01b0\u1edbc.<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n

 <\/p>\n\n\n\n
N\u00ean linh \u0111\u1ed9ng cho t\u1ed5 HTX, h\u1ed9 kinh doanh<\/strong><\/p>\n

Theo \u00f4ng Tr\u01b0\u01a1ng Thanh \u0110\u1ee9c – Gi\u00e1m \u0111\u1ed1c C\u00f4ng ty lu\u1eadt ANVI, quy \u0111\u1ecbnh \u0111\u1ed1i t\u01b0\u1ee3ng vay v\u1ed1n ch\u1ec9 c\u00f3 c\u00e1 nh\u00e2n ho\u1eb7c ph\u00e1p nh\u00e2n l\u00e0 ph\u00f9 h\u1ee3p v\u1edbi th\u00f4ng l\u1ec7 chung tr\u00ean th\u1ebf gi\u1edbi.<\/em><\/p>\n

Tuy nhi\u00ean v\u1edbi \u0111i\u1ec1u ki\u1ec7n c\u1ee7a VN hi\u1ec7n nay, theo \u00fd ki\u1ebfn c\u1ee7a m\u1ed9t s\u1ed1 chuy\u00ean gia, n\u00ean linh \u0111\u1ed9ng v\u00e0 t\u1ea1o c\u01a1 ch\u1ebf v\u1ec1 thu\u1ebf v\u00e0 k\u00eanh t\u00edn d\u1ee5ng ri\u00eang \u0111\u1ec3 h\u1ed7 tr\u1ee3 c\u00e1c doanh nghi\u1ec7p si\u00eau nh\u1ecf, h\u1ed9 kinh doanh, t\u1ed5 h\u1ee3p t\u00e1c… \u0111\u1ec3 h\u1ecd c\u00f3 th\u1ec3 ti\u1ebfp c\u1eadn v\u1ed1n, tr\u00e1nh kh\u1ea3 n\u0103ng b\u1ecb \u201ct\u1eafc\u201d v\u1ed1n do quy \u0111\u1ecbnh m\u1edbi.<\/p>\n

Th\u1ef1c t\u1ebf c\u00f3 h\u01a1n 5 tri\u1ec7u h\u1ed9 kinh doanh, nh\u01b0ng s\u1ed1 h\u1ed9 \u0111\u01b0\u1ee3c vay v\u1ed1n NH r\u1ea5t th\u1ea5p. H\u01a1n n\u1eefa, theo c\u00e1c chuy\u00ean gia, t\u1ec9 l\u1ec7 n\u1ee3 x\u1ea5u \u1edf nh\u1eefng \u0111\u1ed1i t\u01b0\u1ee3ng n\u00e0y h\u1ea7u nh\u01b0 kh\u00f4ng c\u00f3.<\/p>\n

M\u1eb7t kh\u00e1c, vi\u1ec7c chuy\u1ec3n \u0111\u1ed5i m\u00f4 h\u00ecnh t\u1eeb h\u1ed9 kinh doanh, t\u1ed5 h\u1ee3p t\u00e1c… l\u00ean doanh nghi\u1ec7p ph\u1ea3i c\u1ea7n th\u1eddi gian v\u00e0 t\u00f9y ng\u00e0nh ngh\u1ec1.<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n

L.THANH – A.H\u1ed2NG – T.V.NGHI<\/strong><\/p>\n

————————-<\/p>\n

Tu\u1ed5i tr\u1ebb (Kinh t\u1ebf) 15-02-2017:<\/em><\/strong><\/p>\n

http:\/\/tuoitre.vn\/tin\/kinh-te\/20170215\/lo-tac-von-ngan-hang-vi-quy-dinh-moi\/1264960.html<\/a><\/em><\/p>\n

(35\/1.507)<\/em>","protected":false},"excerpt":{"rendered":"

(TT) – Theo h\u01b0\u1edbng d\u1eabn m\u1edbi c\u1ee7a Ng\u00e2n h\u00e0ng Nh\u00e0 n\u01b0\u1edbc, ch\u1ec9 c\u00f3 ph\u00e1p nh\u00e2n ho\u1eb7c c\u00e1 nh\u00e2n m\u1edbi \u0111\u01b0\u1ee3c vay v\u1ed1n ng\u00e2n h\u00e0ng. Trong khi \u0111\u00f3 h\u1ed9 kinh doanh, t\u1ed5 h\u1ee3p t\u00e1c v\u00ec kh\u00f4ng ph\u1ea3i ph\u00e1p nh\u00e2n n\u00ean \u0111ang lo b\u1ecb… t\u1eafc v\u1ed1n. H\u1ed9 gia \u0111\u00ecnh, t\u1ed5 h\u1ee3p t\u00e1c s\u1ebd kh\u00f4ng \u0111\u01b0\u1ee3c vay v\u1ed1n […]<\/p>\n","protected":false},"author":3,"featured_media":28011,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":""},"categories":[17,26],"tags":[],"class_list":["post-28009","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-binh-luan-gop-y","category-legal-media"],"acf":[],"yoast_head":"\n1.214. 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