{"id":28059,"date":"2017-02-21T14:30:17","date_gmt":"2017-02-21T07:30:17","guid":{"rendered":"https:\/\/anvilaw.com\/vi\/?p=28059"},"modified":"2022-06-19T09:38:08","modified_gmt":"2022-06-19T02:38:08","slug":"1-223-tha-noi-lai-suat-cam-dao-no","status":"publish","type":"post","link":"https:\/\/anvilaw.com\/vi\/1-223-tha-noi-lai-suat-cam-dao-no\/","title":{"rendered":"1.223. Th\u1ea3 n\u1ed5i l\u00e3i su\u1ea5t, c\u1ea5m \u0111\u1ea3o n\u1ee3"},"content":{"rendered":"(\u0110TTC)<\/strong> – K\u1ec3 t\u1eeb gi\u1eefa th\u00e1ng 3-2017, theo Th\u00f4ng t\u01b0 m\u1edbi<\/em> c\u00f3 hi\u1ec7u l\u1ef1c c\u1ee7a NHNN, l\u00e3i su\u1ea5t cho vay s\u1ebd \u0111\u01b0\u1ee3c th\u1ea3 n\u1ed5i ho\u00e0n to\u00e0n theo quy lu\u1eadt cung c\u1ea7u v\u00e0 m\u1ee9c \u0111\u1ed9 t\u00edn nhi\u1ec7m c\u1ee7a kh\u00e1ch h\u00e0ng, tr\u1eeb v\u00e0i l\u0129nh v\u1ef1c \u0111\u1eb7c bi\u1ec7t. B\u00ean c\u1ea1nh \u0111\u00f3, NHNN c\u1ea5m vi\u1ec7c cho vay \u0111\u1ea3o n\u1ee3 \u0111\u1ec3 l\u00e0m l\u00e0nh m\u1ea1nh h\u01a1n h\u1ec7 th\u1ed1ng t\u00e0i ch\u00ednh, nh\u01b0ng l\u1ea1i m\u1edf cho vay tu\u1ea7n ho\u00e0n.<\/strong><\/p>\n

T\u00e1ch b\u1ea1ch vay NH v\u00e0 vay d\u00e2n s\u1ef1<\/strong><\/p>\n\n\n\n
Vi\u1ec7c \u0111\u1ea3o n\u1ee3 hi\u1ec7n nay di\u1ec5n ra r\u1ea5t ph\u1ed5 bi\u1ebfn, d\u01b0\u1edbi nhi\u1ec1u h\u00ecnh th\u1ee9c v\u00f4 c\u00f9ng tinh vi n\u00ean kh\u00f4ng d\u1ec5 ph\u00e1t hi\u1ec7n v\u00e0 x\u1eed ph\u1ea1t. Ch\u1eb3ng h\u1ea1n doanh nghi\u1ec7p c\u00f3 th\u1ec3 ph\u00e1t h\u00e0nh tr\u00e1i phi\u1ebfu cho \u0111\u01a1n v\u1ecb kh\u00e1c ho\u1eb7c ch\u00ednh TCTD cho vay v\u1ed1n \u0111\u1ec3 \u0111\u1ea3o n\u1ee3. Ho\u1eb7c doanh nghi\u1ec7p c\u0169ng c\u00f3 th\u1ec3 chuy\u1ec3n sang doanh nghi\u1ec7p th\u1ee9 2 v\u00e0 doanh nghi\u1ec7p n\u00e0y vay v\u1ed1n t\u1eeb NH qua h\u00ecnh th\u1ee9c ph\u00e1t h\u00e0nh tr\u00e1i phi\u1ebfu ho\u1eb7c vay \u0111\u1ea7u t\u01b0 d\u1ef1 \u00e1n\u2026 Do \u0111\u00f3, quy \u0111\u1ecbnh v\u1ec1 \u0111\u1ea3o n\u1ee3 \u0111\u00e3 c\u00f3 nh\u01b0ng kh\u00f3 ph\u00e1t hi\u1ec7n v\u00e0 x\u1eed l\u00fd tr\u00ean th\u1ef1c t\u1ebf c\u0169ng kh\u00f4ng h\u1ec1 d\u1ec5.<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n

Theo Th\u00f4ng t\u01b0 39\/2016\/TT-NHNN ban h\u00e0nh ng\u00e0y 30-12-2016, t\u1eeb gi\u1eefa th\u00e1ng 3-2017, l\u00e3i su\u1ea5t cho vay s\u1ebd \u0111\u01b0\u1ee3c \u00e1p d\u1ee5ng theo c\u01a1 ch\u1ebf th\u1ecfa thu\u1eadn tr\u1eeb m\u1ed9t s\u1ed1 l\u0129nh v\u1ef1c \u0111\u1eb7c bi\u1ec7t. Nh\u01b0 v\u1eady, l\u00e3i su\u1ea5t cho vay s\u1ebd ch\u1ee7 y\u1ebfu ph\u1ee5 thu\u1ed9c v\u00e0o cung c\u1ea7u v\u1ed1n th\u1ecb tr\u01b0\u1eddng, nhu c\u1ea7u vay v\u1ed1n v\u00e0 m\u1ee9c \u0111\u1ed9 t\u00edn nhi\u1ec7m c\u1ee7a kh\u00e1ch h\u00e0ng.<\/p>\n

V\u1edbi th\u00f4ng t\u01b0 n\u00e0y, NHNN \u0111\u00e3 th\u00e1o g\u1ee1 v\u01b0\u1edbng m\u1eafc v\u1ec1 tr\u1ea7n l\u00e3i su\u1ea5t cho vay theo quy \u0111\u1ecbnh t\u1ea1i B\u1ed9 lu\u1eadt D\u00e2n s\u1ef1 2015. C\u1ee5 th\u1ec3, B\u1ed9 lu\u1eadt D\u00e2n s\u1ef1 quy \u0111\u1ecbnh m\u1ee9c l\u00e3i su\u1ea5t cho vay t\u1ed1i \u0111a 20%\/n\u0103m, nh\u01b0ng c\u0169ng th\u00eam v\u00e0o \u0111i\u1ec1u ki\u1ec7n \u201ctr\u1eeb tr\u01b0\u1eddng h\u1ee3p lu\u1eadt kh\u00e1c c\u00f3 li\u00ean quan quy \u0111\u1ecbnh kh\u00e1c\u201d. \u0110i\u1ec1u n\u00e0y \u0111\u1ed3ng ngh\u0129a v\u1edbi vi\u1ec7c n\u1ebfu c\u00e1c lu\u1eadt chuy\u00ean ng\u00e0nh nh\u01b0 Lu\u1eadt TCTD ho\u1eb7c Th\u00f4ng t\u01b0 c\u1ee7a NHNN c\u00f3 quy \u0111\u1ecbnh kh\u00e1c v\u1ec1 l\u00e3i su\u1ea5t th\u00ec kh\u00f4ng ch\u1ecbu m\u1ee9c tr\u1ea7n 20% c\u1ee7a B\u1ed9 lu\u1eadt D\u00e2n s\u1ef1.<\/p>\n

C\u00e1c chuy\u00ean gia cho r\u1eb1ng vi\u1ec7c b\u1ecf tr\u1ea7n l\u00e3i su\u1ea5t l\u00e0 m\u1ed9t quy\u1ebft \u0111\u1ecbnh kh\u00e1 ph\u00f9 h\u1ee3p trong b\u1ed1i c\u1ea3nh kinh t\u1ebf-x\u00e3 h\u1ed9i hi\u1ec7n t\u1ea1i. Quy \u0111\u1ecbnh n\u00e0y c\u0169ng \u0111\u00e3 t\u00e1ch b\u1ea1ch vi\u1ec7c qu\u1ea3n l\u00fd TCTD v\u00e0 qu\u1ea3n l\u00fd giao d\u1ecbch d\u00e2n s\u1ef1, ngh\u0129a l\u00e0 t\u00e1ch b\u1ea1ch gi\u1eefa vay NH v\u00e0 vay d\u00e2n s\u1ef1 theo chu\u1ea9n m\u1ef1c qu\u1ed1c t\u1ebf. Ngo\u00e0i ra, x\u00e9t v\u1ec1 quy lu\u1eadt kinh t\u1ebf, vi\u1ec7c \u00e1p tr\u1ea7n l\u00e3i su\u1ea5t h\u1ea1i nhi\u1ec1u h\u01a1n l\u1ee3i.<\/p>\n

D\u00f9 v\u1eady theo Th\u00f4ng t\u01b0 39, l\u00e3i su\u1ea5t cho vay m\u1ed9t s\u1ed1 l\u0129nh v\u1ef1c nh\u1ea5t \u0111\u1ecbnh v\u1eabn b\u1ecb \u00e1p tr\u1ea7n l\u00e3i su\u1ea5t theo quy\u1ebft \u0111\u1ecbnh c\u1ee7a Th\u1ed1ng \u0111\u1ed1c NHNN trong t\u1eebng th\u1eddi k\u1ef3. C\u1ee5 th\u1ec3, \u0111\u00f3 l\u00e0 5 l\u0129nh v\u1ef1c \u01b0u ti\u00ean \u0111\u01b0\u1ee3c Ch\u00ednh ph\u1ee7 khuy\u1ebfn kh\u00edch ho\u1eb7c h\u1ed7 tr\u1ee3 ph\u00e1t tri\u1ec3n nh\u01b0 l\u0129nh v\u1ef1c n\u00f4ng nghi\u1ec7p, c\u00f4ng ngh\u1ec7 cao, li\u00ean quan \u0111\u1ebfn xu\u1ea5t nh\u1eadp kh\u1ea9u, h\u1ed7 tr\u1ee3 v\u1ed1n doanh nghi\u1ec7p v\u1eeba v\u00e0 nh\u1ecf.<\/p>\n

M\u1ee5c ti\u00eau c\u1ee7a ch\u00ednh s\u00e1ch n\u00e0y nh\u1eb1m t\u1ea1o ra h\u00e0nh lang ph\u00e1p l\u00fd h\u01b0\u1edbng d\u00f2ng v\u1ed1n gi\u00e1 r\u1ebb v\u00e0o nh\u1eefng l\u0129nh v\u1ef1c Ch\u00ednh ph\u1ee7 x\u00e1c \u0111\u1ecbnh l\u00e0 quan tr\u1ecdng \u0111\u1ed1i v\u1edbi ph\u00e1t tri\u1ec3n kinh t\u1ebf, x\u00e3 h\u1ed9i. Tuy nhi\u00ean, c\u0169ng c\u00f3 \u00fd ki\u1ebfn cho r\u1eb1ng quy \u0111\u1ecbnh n\u00e0y l\u00e0 kh\u00f4ng c\u1ea7n thi\u1ebft v\u00e0 kh\u00f4ng c\u00f3 nhi\u1ec1u t\u00e1c d\u1ee5ng.<\/p>\n

L\u00e3i su\u1ea5t \u01b0u \u0111\u00e3i ch\u1ec9 n\u00ean \u0111\u01b0\u1ee3c \u00e1p d\u1ee5ng cho t\u1eebng ch\u01b0\u01a1ng tr\u00ecnh v\u00e0 k\u1ebf ho\u1ea1ch c\u1ee5 th\u1ec3 trong t\u1eebng th\u1eddi k\u1ef3. Nh\u1eadn \u0111\u1ecbnh n\u00e0y kh\u00f4ng ph\u1ea3i kh\u00f4ng c\u00f3 l\u00fd, b\u1edfi cho \u0111\u1ebfn nay m\u1ee9c l\u00e3i su\u1ea5t c\u1ee5 th\u1ec3 cho 5 l\u0129nh v\u1ef1c n\u00e0y v\u1eabn ch\u01b0a \u0111\u01b0\u1ee3c ban h\u00e0nh. \u0110\u1eb7c bi\u1ec7t, x\u00e1c \u0111\u1ecbnh m\u1ee9c l\u00e3i su\u1ea5t n\u00e0o l\u00e0 h\u1ee3p l\u00fd v\u00e0 \u0111\u00e1nh gi\u00e1 hi\u1ec7u qu\u1ea3 c\u1ee7a m\u1ee9c l\u00e3i su\u1ea5t n\u00e0y \u0111\u1ebfn n\u1ec1n kinh t\u1ebf c\u0169ng kh\u00f4ng d\u1ec5 d\u00e0ng.<\/p>\n

Kh\u00f4ng c\u00f2n t\u00ecnh tr\u1ea1ng che gi\u1ea5u n\u1ee3 x\u1ea5u<\/strong><\/p>\n

M\u1ed9t trong nh\u1eefng n\u1ed9i dung quan tr\u1ecdng kh\u00e1c c\u1ee7a Th\u00f4ng t\u01b0 39 l\u00e0 b\u1ecf quy \u0111\u1ecbnh v\u1ec1 \u0111\u1ea3o n\u1ee3 (l\u1ea5y n\u1ee3 m\u1edbi tr\u1ea3 n\u1ee3 c\u0169) t\u1ea1i Quy ch\u1ebf cho vay 1627. T\u1ee9c c\u00e1c NH kh\u00f4ng \u0111\u01b0\u1ee3c cho vay \u0111\u1ec3 tr\u1ea3 n\u1ee3 kho\u1ea3n n\u1ee3 vay t\u1ea1i ch\u00ednh NH \u0111\u00f3 ho\u1eb7c t\u1ea1i NH kh\u00e1c, tr\u1eeb tr\u01b0\u1eddng h\u1ee3p cho vay \u0111\u1ec3 thanh to\u00e1n l\u00e3i ti\u1ec1n vay ph\u00e1t sinh trong qu\u00e1 tr\u00ecnh thi c\u00f4ng x\u00e2y d\u1ef1ng c\u00f4ng tr\u00ecnh, m\u00e0 chi ph\u00ed l\u00e3i ti\u1ec1n vay \u0111\u01b0\u1ee3c t\u00ednh trong d\u1ef1 to\u00e1n x\u00e2y d\u1ef1ng c\u00f4ng tr\u00ecnh \u0111\u01b0\u1ee3c c\u1ea5p c\u00f3 th\u1ea9m quy\u1ec1n ph\u00ea duy\u1ec7t theo quy \u0111\u1ecbnh c\u1ee7a ph\u00e1p lu\u1eadt; kh\u00f4ng \u0111\u01b0\u1ee3c cho vay \u0111\u1ec3 tr\u1ea3 n\u1ee3 kho\u1ea3n n\u1ee3 vay t\u1ea1i TCTD kh\u00e1c v\u00e0 tr\u1ea3 n\u1ee3 kho\u1ea3n vay n\u01b0\u1edbc ngo\u00e0i, tr\u1eeb tr\u01b0\u1eddng h\u1ee3p cho vay \u0111\u1ec3 tr\u1ea3 n\u1ee3 tr\u01b0\u1edbc h\u1ea1n kho\u1ea3n vay \u0111\u00e1p \u1ee9ng \u0111\u1ea7y \u0111\u1ee7 c\u00e1c \u0111i\u1ec1u ki\u1ec7n ph\u1ee5c v\u1ee5 ho\u1ea1t \u0111\u1ed9ng kinh doanh, th\u1eddi h\u1ea1n cho vay kh\u00f4ng v\u01b0\u1ee3t qu\u00e1 th\u1eddi h\u1ea1n cho vay c\u00f2n l\u1ea1i c\u1ee7a kho\u1ea3n vay c\u0169 v\u00e0 l\u00e0 kho\u1ea3n vay ch\u01b0a th\u1ef1c hi\u1ec7n c\u01a1 c\u1ea5u l\u1ea1i th\u1eddi h\u1ea1n tr\u1ea3 n\u1ee3.<\/p>\n

Tr\u01b0\u1edbc \u0111\u00f3, Quy ch\u1ebf cho vay 1627 ban h\u00e0nh cu\u1ed1i n\u0103m 2001 kh\u00f4ng c\u1ea5m cho vay \u0111\u1ea3o n\u1ee3 v\u00e0 ch\u1ec9 n\u00f3i th\u1ef1c hi\u1ec7n theo quy \u0111\u1ecbnh ri\u00eang c\u1ee7a NHNN. V\u00ec v\u1eady c\u00e1c NH v\u1eabn cho ph\u00e9p doanh nghi\u1ec7p \u0111\u01b0\u1ee3c vay \u0111\u1ea3o n\u1ee3 \u0111\u1ec3 l\u00e0m s\u1ea1ch s\u1ed5 s\u00e1ch, gi\u1ea3m t\u1ef7 l\u1ec7 n\u1ee3 x\u1ea5u di\u1ec5n ra r\u1ea5t ph\u1ed5 bi\u1ebfn.<\/p>\n

Theo lu\u1eadt s\u01b0 Tr\u01b0\u01a1ng Thanh \u0110\u1ee9c, vi\u1ec7c cho vay \u0111\u1ea3o n\u1ee3 ti\u1ec1m \u1ea9n r\u1ea5t nhi\u1ec1u nguy c\u01a1, \u0111\u1eb7c bi\u1ec7t l\u00e0 nguy c\u01a1 che gi\u1ea5u n\u1ee3 x\u1ea5u. Nh\u01b0 v\u1eady, \u0111i\u1ec1u n\u00e0y \u0111\u1ed3ng ngh\u0129a v\u1edbi vi\u1ec7c b\u00e1o c\u00e1o v\u1ec1 t\u00ecnh tr\u1ea1ng n\u1ee3 x\u1ea5u c\u1ee7a c\u00e1c NH kh\u00f4ng \u0111\u01b0\u1ee3c ph\u1ea3n \u00e1nh m\u1ed9t c\u00e1ch ch\u00ednh x\u00e1c. Ngo\u00e0i ra, c\u00e1c TCTD c\u00f3 th\u1ec3 n\u1edbi l\u1ecfng h\u01a1n trong vi\u1ec7c cho vay v\u00ec n\u1ebfu c\u1ea7n thi\u1ebft c\u00f3 th\u1ec3 \u0111\u1ea3o n\u1ee3.<\/em><\/p>\n

\"\"<\/p>\n

M\u1edf cho vay tu\u1ea7n ho\u00e0n<\/strong><\/p>\n

C\u1ea5m cho vay \u0111\u1ea3o n\u1ee3 nh\u01b0ng Th\u00f4ng t\u01b0 39 l\u1ea1i ph\u1ee5c h\u1ed3i ho\u1ea1t \u0111\u1ed9ng cho vay tu\u1ea7n ho\u00e0n. Tr\u01b0\u1edbc \u0111\u00f3, n\u0103m 2014 vi\u1ec7c cho vay tu\u1ea7n ho\u00e0n (rollover loan) \u0111\u00e3 b\u1ecb NHNN ban h\u00e0nh v\u0103n b\u1ea3n \u0111\u1ec1 ngh\u1ecb ng\u1eebng. M\u1edbi \u0111\u00e2y, ng\u00e0y 16-9-2016, NHNN ban h\u00e0nh C\u00f4ng v\u0103n 6960\/NHNN-TTGSNH y\u00eau c\u1ea7u c\u00e1c TCTD ch\u1ea5n ch\u1ec9nh l\u1ea1i ho\u1ea1t \u0111\u1ed9ng cho vay tu\u1ea7n ho\u00e0n do lo ngo\u1ea1i vi\u1ec7c n\u00e0y khi\u1ebfn doanh nghi\u1ec7p c\u00f3 th\u1ec3 vay m\u1edbi tr\u1ea3 c\u0169 \u0111\u1ec3 \u0111\u1ea3o n\u1ee3.<\/p>\n

Nh\u01b0ng \u0111\u1ebfn gi\u1eefa th\u00e1ng 3-2017 khi Th\u00f4ng t\u01b0 m\u1edbi c\u00f3 hi\u1ec7u l\u1ef1c, TCTD v\u00e0 kh\u00e1ch h\u00e0ng \u0111\u01b0\u1ee3c th\u1ecfa thu\u1eadn cho vay ng\u1eafn h\u1ea1n nh\u01b0ng \u0111\u1ea3m b\u1ea3o c\u00e1c \u0111i\u1ec1u ki\u1ec7n l\u00e0 \u0111\u1ebfn th\u1eddi h\u1ea1n tr\u1ea3 n\u1ee3, kh\u00e1ch h\u00e0ng c\u00f3 quy\u1ec1n tr\u1ea3 n\u1ee3 ho\u1eb7c k\u00e9o d\u00e0i th\u1eddi h\u1ea1n tr\u1ea3 n\u1ee3 th\u00eam m\u1ed9t kho\u1ea3ng th\u1eddi gian nh\u1ea5t \u0111\u1ecbnh \u0111\u1ed1i v\u1edbi m\u1ed9t ph\u1ea7n ho\u1eb7c to\u00e0n b\u1ed9 s\u1ed1 d\u01b0 n\u1ee3 g\u1ed1c c\u1ee7a kho\u1ea3n vay.<\/p>\n

T\u1ed5ng th\u1eddi h\u1ea1n vay v\u1ed1n kh\u00f4ng v\u01b0\u1ee3t qu\u00e1 12 th\u00e1ng k\u1ec3 t\u1eeb ng\u00e0y gi\u1ea3i ng\u00e2n ban \u0111\u1ea7u v\u00e0 kh\u00f4ng v\u01b0\u1ee3t qu\u00e1 m\u1ed9t chu k\u1ef3 ho\u1ea1t \u0111\u1ed9ng kinh doanh. T\u1ea1i th\u1eddi \u0111i\u1ec3m xem x\u00e9t cho vay, kh\u00e1ch h\u00e0ng kh\u00f4ng c\u00f3 n\u1ee3 x\u1ea5u t\u1ea1i c\u00e1c TCTD. Trong qu\u00e1 tr\u00ecnh cho vay tu\u1ea7n ho\u00e0n, n\u1ebfu kh\u00e1ch h\u00e0ng c\u00f3 n\u1ee3 x\u1ea5u t\u1ea1i c\u00e1c TCTD kh\u00f4ng \u0111\u01b0\u1ee3c th\u1ef1c hi\u1ec7n k\u00e9o d\u00e0i th\u1eddi h\u1ea1n tr\u1ea3 n\u1ee3 theo th\u1ecfa thu\u1eadn.<\/p>\n

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\u1ea2nh minh h\u1ecda: LONG THANH<\/em><\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n

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Th\u00f4ng th\u01b0\u1eddng vay tu\u1ea7n ho\u00e0n l\u00e0 nh\u1eefng kho\u1ea3n vay b\u1ed5 sung v\u1ed1n l\u01b0u \u0111\u1ed9ng cho doanh nghi\u1ec7p v\u1edbi th\u1eddi h\u1ea1n d\u01b0\u1edbi 1 n\u0103m. Theo c\u00e1c chuy\u00ean gia, cho vay tu\u1ea7n ho\u00e0n c\u0169ng l\u00e0 m\u1ed9t h\u00ecnh th\u1ee9c cho vay ph\u1ed5 bi\u1ebfn theo th\u00f4ng l\u1ec7 qu\u1ed1c t\u1ebf. Nh\u00ecn theo g\u00f3c \u0111\u1ed9 t\u00edch c\u1ef1c, cho vay tu\u1ea7n ho\u00e0n gi\u00fap doanh nghi\u1ec7p lu\u00f4n \u1edf trong th\u1ebf ch\u1ee7 \u0111\u1ed9ng \u0111i\u1ec1u ti\u1ebft d\u00f2ng ti\u1ec1n c\u1ee7a m\u00ecnh sao cho h\u1ee3p l\u00fd nh\u1ea5t v\u00e0 \u0111i\u1ec1u ch\u1ec9nh kho\u1ea3n vay t\u00f9y theo s\u1ef1 bi\u1ebfn \u0111\u1ed9ng c\u1ee7a l\u00e3i su\u1ea5t. \u0110\u1ed1i v\u1edbi NH, vi\u1ec7c cho vay tu\u1ea7n ho\u00e0n gi\u00fap ph\u00e1t tri\u1ec3n th\u00eam nhi\u1ec1u d\u1ecbch v\u1ee5 gia t\u0103ng nh\u01b0 cho vay th\u1ea5u chi, cho vay th\u1ebb t\u00edn d\u1ee5ng, th\u01b0 t\u00edn d\u1ee5ng\u2026<\/p>\n

Tuy nhi\u00ean, c\u0169ng c\u00f3 quan ng\u1ea1i cho r\u1eb1ng doanh nghi\u1ec7p c\u00f3 th\u1ec3 v\u1eadn d\u1ee5ng vi\u1ec7c vay tu\u1ea7n ho\u00e0n \u0111\u1ec3 \u0111\u1ea3o n\u1ee3 b\u1eb1ng c\u00e1ch kh\u00e1ch h\u00e0ng c\u00f3 th\u1ec3 vay t\u1eeb b\u00ean ngo\u00e0i \u0111\u1ec3 ho\u00e0n tr\u1ea3 cho NH v\u00e0 \u0111\u01b0\u1ee3c NH gi\u1ea3i ng\u00e2n ngay sau \u0111\u00f3. \u0110i\u1ec1u n\u00e0y t\u01b0\u01a1ng t\u1ef1 nh\u01b0 vi\u1ec7c \u0111\u1ea3o n\u1ee3, l\u00e0m m\u00e9o m\u00f3 t\u00ecnh tr\u1ea1ng n\u1ee3 x\u1ea5u th\u1ef1c s\u1ef1 trong h\u1ec7 th\u1ed1ng NH.<\/p>\n

D\u00f9 v\u1eady, c\u00e1c chuy\u00ean gia v\u1eabn cho r\u1eb1ng cho vay tu\u1ea7n ho\u00e0n l\u00e0 c\u1ea7n thi\u1ebft v\u00e0 c\u00f3 th\u1ec3 h\u1ea1n ch\u1ebf \u0111\u01b0\u1ee3c nh\u1eefng tr\u01b0\u1eddng h\u1ee3p ti\u00eau c\u1ef1c b\u1eb1ng c\u00e1c gi\u1ea3i ph\u00e1p k\u1ef9 thu\u1eadt. Quan tr\u1ecdng h\u01a1n, nghi\u1ec7p v\u1ee5 cho vay tu\u1ea7n ho\u00e0n mang l\u1ea1i nhi\u1ec1u l\u1ee3i \u00edch \u0111\u1ed1i v\u1edbi doanh nghi\u1ec7p, ng\u01b0\u1eddi d\u00e2n, NH v\u00e0 c\u1ea3 n\u1ec1n kinh t\u1ebf.<\/p>\n

Xu\u00e2n Anh<\/strong><\/p>\n

—————————<\/p>\n

S\u00e0i G\u00f2n \u0110\u1ea7u t\u01b0 t\u00e0i ch\u00ednh (T\u00e0i ch\u00ednh \u2013 Ng\u00e2n h\u00e0ng) 21-02-2017<\/em><\/strong><\/p>\n

http:\/\/www.saigondautu.com.vn\/Pages\/20170218\/Tha-noi-lai-suat-cam-dao-no.aspx<\/a><\/em><\/p>\n

(73\/1.436)<\/em>","protected":false},"excerpt":{"rendered":"

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