{"id":28270,"date":"2017-03-01T08:54:53","date_gmt":"2017-03-01T01:54:53","guid":{"rendered":"https:\/\/anvilaw.com\/vi\/?p=28270"},"modified":"2022-06-20T08:56:54","modified_gmt":"2022-06-20T01:56:54","slug":"1-240-chuyen-tran-lai-suat-va-thong-tu-coi-troi","status":"publish","type":"post","link":"https:\/\/anvilaw.com\/vi\/1-240-chuyen-tran-lai-suat-va-thong-tu-coi-troi\/","title":{"rendered":"1.240. Chuy\u1ec7n tr\u1ea7n l\u00e3i su\u1ea5t v\u00e0 th\u00f4ng t\u01b0 \u201cc\u1edfi tr\u00f3i\u201d"},"content":{"rendered":"<strong>(ANTT) &#8211; Sau nhi\u1ec1u n\u0103m b\u1ecb kh\u1ed1ng ch\u1ebf \u1edf m\u1ee9c tr\u1ea7n 15%\/n\u0103m (t\u1ea1i \u0110i\u1ec1u 476 B\u1ed9 lu\u1eadt D\u00e2n s\u1ef1 2005), sau n\u00e0y n\u00e2ng l\u00ean 20%\/n\u0103m (\u0110i\u1ec1u 468 B\u1ed9 lu\u1eadt D\u00e2n s\u1ef1 2015), t\u1eeb 15\/3\/2017 tr\u1ea7n l\u00e3i su\u1ea5t cho vay \u0111\u00e3 \u0111\u01b0\u1ee3c \u201cc\u1edfi tr\u00f3i\u201d, cho ph\u00e9p s\u1ef1 th\u1ecfa thu\u1eadn gi\u1eefa t\u1ed5 ch\u1ee9c t\u00edn d\u1ee5ng v\u00e0 kh\u00e1ch h\u00e0ng.<\/strong><\/p>\n<p><img loading=\"lazy\" decoding=\"async\" class=\"alignnone size-medium wp-image-28271 img-fluid img-fluid\" src=\"https:\/\/anvilaw.com\/wp-content\/uploads\/2022\/06\/1240-450x307.jpg\" alt=\"\" width=\"450\" height=\"307\" srcset=\"https:\/\/anvilaw.com\/wp-content\/uploads\/2022\/06\/1240-450x307.jpg 450w, https:\/\/anvilaw.com\/wp-content\/uploads\/2022\/06\/1240.jpg 660w\" sizes=\"auto, (max-width: 450px) 100vw, 450px\" \/><\/p>\n<p><em>Tranh minh h\u1ecda<\/em><\/p>\n<p>Ng\u00e2n h\u00e0ng\u00a0Nh\u00e0 n\u01b0\u1edbc Vi\u1ec7t Nam (NHNN) v\u1eeba c\u00f4ng b\u1ed1 Th\u00f4ng t\u01b0 39\/2016 \u201cQuy \u0111\u1ecbnh v\u1ec1 ho\u1ea1t \u0111\u1ed9ng cho vay c\u1ee7a t\u1ed5 ch\u1ee9c t\u00edn d\u1ee5ng, chi nh\u00e1nh ng\u00e2n h\u00e0ng n\u01b0\u1edbc ngo\u00e0i \u0111\u1ed1i v\u1edbi\u00a0kh\u00e1ch h\u00e0ng\u201d. Theo \u0111\u00f3, t\u1eeb ng\u00e0y 15\/3\/2017, c\u00e1c t\u1ed5 ch\u1ee9c t\u00edn d\u1ee5ng b\u1eaft \u0111\u1ea7u th\u1ef1c hi\u1ec7n quy ch\u1ebf cho vay m\u1edbi, bao g\u1ed3m nhi\u1ec1u quy \u0111\u1ecbnh c\u1ee5 th\u1ec3 v\u1ec1 \u0111\u1ed1i t\u01b0\u1ee3ng \u0111\u01b0\u1ee3c ho\u1eb7c kh\u00f4ng \u0111\u01b0\u1ee3c cho vay, nguy\u00ean t\u1eafc cho vay, \u0111i\u1ec1u ki\u1ec7n vay v\u1ed1n, ph\u00ed li\u00ean quan \u0111\u1ebfn kho\u1ea3n vay, b\u1ea3o \u0111\u1ea3m ti\u1ec1n vay, c\u01a1 c\u1ea5u th\u1eddi h\u1ea1n tr\u1ea3 n\u1ee3, tho\u1ea3 thu\u1eadn cho vay, cho vay tu\u1ea7n ho\u00e0n, cho vay quay v\u00f2ng\u2026<\/p>\n<p>Trong \u0111\u00f3, \u0111i\u1ec3m \u0111\u01b0\u1ee3c ch\u00fa \u00fd nh\u1ea5t trong th\u00f4ng t\u01b0 n\u00e0y l\u00e0 NHNN \u0111\u00e3 ch\u00ednh th\u1ee9c quy \u0111\u1ecbnh v\u00e0 h\u01b0\u1edbng d\u1eabn v\u1ec1\u00a0l\u00e3i su\u1ea5t\u00a0cho vay gi\u1eefa t\u1ed5 ch\u1ee9c t\u00edn d\u1ee5ng \u0111\u1ed1i v\u1edbi kh\u00e1ch h\u00e0ng, trong \u0111\u00f3 vi\u1ec7c b\u1ecf tr\u1ea7n l\u00e3i su\u1ea5t \u0111\u01b0\u1ee3c coi l\u00e0 \u0111\u1ed9ng th\u00e1i \u201cc\u1edfi tr\u00f3i\u201d cho l\u00e3i su\u1ea5t n\u01b0\u01a1ng theo s\u1ef1 v\u1eadn h\u00e0nh c\u1ee7a c\u01a1 ch\u1ebf\u00a0th\u1ecb tr\u01b0\u1eddng.<\/p>\n<p>C\u1ee5 th\u1ec3, \u0110i\u1ec1u 13 Th\u00f4ng t\u01b0 39\/2016 quy \u0111\u1ecbnh v\u1ec1 l\u00e3i su\u1ea5t cho vay nh\u01b0 sau: \u201c 1.T\u1ed5 ch\u1ee9c t\u00edn d\u1ee5ng v\u00e0 kh\u00e1ch h\u00e0ng th\u1ecfa thu\u1eadn v\u1ec1 l\u00e3i su\u1ea5t cho vay theo 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, tr\u1eeb tr\u01b0\u1eddng h\u1ee3p Ng\u00e2n h\u00e0ng Nh\u00e0 n\u01b0\u1edbc Vi\u1ec7t Nam c\u00f3 quy \u0111\u1ecbnh v\u1ec1 l\u00e3i su\u1ea5t cho vay t\u1ed1i \u0111a t\u1ea1i kho\u1ea3n 2 \u0110i\u1ec1u n\u00e0y; 2. T\u1ed5 ch\u1ee9c t\u00edn d\u1ee5ng v\u00e0 kh\u00e1ch h\u00e0ng th\u1ecfa thu\u1eadn v\u1ec1 l\u00e3i su\u1ea5t cho vay ng\u1eafn h\u1ea1n b\u1eb1ng \u0111\u1ed3ng Vi\u1ec7t Nam nh\u01b0ng kh\u00f4ng v\u01b0\u1ee3t qu\u00e1 m\u1ee9c l\u00e3i su\u1ea5t cho vay t\u1ed1i \u0111a do Th\u1ed1ng \u0111\u1ed1c Ng\u00e2n h\u00e0ng Nh\u00e0 n\u01b0\u1edbc Vi\u1ec7t Nam quy\u1ebft \u0111\u1ecbnh trong t\u1eebng th\u1eddi k\u1ef3 nh\u1eb1m \u0111\u00e1p \u1ee9ng m\u1ed9t s\u1ed1 nhu c\u1ea7u v\u1ed1n.\u201d<\/p>\n<p>Nh\u01b0 v\u1eady l\u00e0 t\u1eeb nay, t\u1ed5 ch\u1ee9c t\u00edn d\u1ee5ng v\u00e0 kh\u00e1ch h\u00e0ng s\u1ebd th\u1ecfa thu\u1eadn v\u1ec1 l\u00e3i su\u1ea5t cho vay theo cung c\u1ea7u v\u1ed1n th\u1ecb tr\u01b0\u1eddng, nhu c\u1ea7u vay v\u00e0 m\u1ee9c \u0111\u1ed9 t\u00edn nhi\u1ec7m c\u1ee7a kh\u00e1ch. Tr\u1ea7n l\u00e3i su\u1ea5t t\u1ed1i \u0111a ch\u1ec9 \u0111\u01b0\u1ee3c Th\u1ed1ng \u0111\u1ed1c quy \u0111\u1ecbnh trong t\u1eebng th\u1eddi k\u1ef3 v\u1edbi m\u1ed9t s\u1ed1 kho\u1ea3n vay nh\u1eb1m \u0111\u00e1p \u1ee9ng nhu c\u1ea7u v\u1ed1n v\u1edbi ch\u00ednh s\u00e1ch c\u1ee7a Ch\u00ednh ph\u1ee7.<\/p>\n<p>Tr\u1ea3 l\u1eddi\u00a0b\u00e1o\u00a0ch\u00ed nh\u00e2n s\u1ef1 ki\u1ec7n n\u00e0y, TS Nguy\u1ec5n Tr\u00ed Hi\u1ebfu \u2013 Chuy\u00ean gia T\u00e0i ch\u00ednh ng\u00e2n h\u00e0ng nh\u1eadn \u0111\u1ecbnh: \u201cV\u1edbi th\u00f4ng t\u01b0 m\u1edbi c\u1ee7a NHNN, l\u00e3i su\u1ea5t cho vay tr\u00ean th\u1ecb tr\u01b0\u1eddng h\u1ea7u nh\u01b0 \u0111\u00e3 \u0111\u01b0\u1ee3c n\u1edbi l\u1ecfng ho\u00e0n to\u00e0n. \u0110i\u1ec1u n\u00e0y gi\u00fap Vi\u1ec7t Nam ph\u00f9 h\u1ee3p h\u01a1n v\u1edbi y\u00eau c\u1ea7u c\u1ee7a n\u1ec1n kinh t\u1ebf th\u1ecb tr\u01b0\u1eddng. L\u00e3i su\u1ea5t \u0111\u01b0\u1ee3c \u0111\u00e1nh gi\u00e1 theo cung &#8211; c\u1ea7u c\u1ee7a th\u1ecb tr\u01b0\u1eddng, ph\u1ea3n \u00e1nh s\u1ef1 v\u1eadn h\u00e0nh c\u1ee7a th\u1ecb tr\u01b0\u1eddng, \u0111\u01b0\u1ee3c xem nh\u01b0 \u201cgi\u00e1\u201d c\u1ee7a vi\u1ec7c s\u1eed d\u1ee5ng \u0111\u1ed3ng ti\u1ec1n\u201d.<\/p>\n<p>Tr\u01b0\u1edbc \u0111\u00f3, quy \u0111\u1ecbnh v\u1ec1 tr\u1ea7n l\u00e3i su\u1ea5t d\u01b0\u1edbi 20%\/n\u0103m \u0111\u00e3 b\u1ed9c l\u1ed9 b\u1ea5t c\u1eadp, kh\u00f4ng ph\u1ea3n \u00e1nh \u0111\u01b0\u1ee3c nhu c\u1ea7u th\u1ef1c t\u1ebf. C\u1ee5 th\u1ec3 l\u00e0, trong khi l\u00e3i su\u1ea5t\u00a0ti\u1ec1n g\u1eedi\u00a0duy tr\u00ec m\u1ee9c tr\u1ea7n (v\u1edbi c\u00e1c k\u1ef3 h\u1ea1n d\u01b0\u1edbi 6 th\u00e1ng) th\u00ec l\u00e3i su\u1ea5t cho vay v\u1eabn \u0111\u01b0\u1ee3c c\u00e1c ng\u00e2n h\u00e0ng \u201c\u0111i \u0111\u00eam\u201d theo h\u00ecnh th\u1ee9c th\u1ecfa thu\u1eadn v\u1edbi kh\u00e1ch h\u00e0ng.<\/p>\n<p><em>\u0110\u1ebfn n\u1ed7i m\u00e0, lu\u1eadt s\u01b0 Tr\u01b0\u01a1ng Thanh \u0110\u1ee9c &#8211; Gi\u00e1m \u0111\u1ed1c C\u00f4ng ty Lu\u1eadt ANVI, Ch\u1ee7 nhi\u1ec7m C\u00e2u l\u1ea1c b\u1ed9 Ph\u00e1p ch\u1ebf Ng\u00e2n h\u00e0ng (VNBA)\u00a0 t\u1eebng ng\u00e1n ng\u1ea9m th\u1ed1t l\u00ean: \u201cQuy \u0111\u1ecbnh v\u1ec1 tr\u1ea7n l\u00e3i su\u1ea5t hi\u1ec7n t\u1ea1i nh\u01b0 x\u00fai ng\u01b0\u1eddi ta ph\u1ea1m lu\u1eadt. B\u1edfi v\u00ec c\u00f3 nh\u1eefng th\u1eddi \u0111i\u1ec3m, tr\u1ea7n l\u00e3i su\u1ea5t t\u00ednh tr\u00ean m\u1ee9c l\u00e3i su\u1ea5t c\u01a1 b\u1ea3n c\u00f2n th\u1ea5p h\u01a1n l\u00e3i su\u1ea5t huy \u0111\u1ed9ng m\u00e0 nhi\u1ec1u nh\u00e0 b\u0103ng c\u00f4ng b\u1ed1\u201d. Do \u0111\u00f3, nhi\u1ec1u ng\u00e2n h\u00e0ng v\u00e0 t\u1ed5 ch\u1ee9c t\u00edn d\u1ee5ng b\u00ean ngo\u00e0i \u0111\u00e3 m\u1eb7c s\u1ee9c vi ph\u1ea1m lu\u1eadt, v\u00ec c\u00f3 ph\u1ea1m lu\u1eadt c\u0169ng ch\u1eb3ng c\u00f3 ch\u1ebf t\u00e0i n\u00e0o x\u1eed l\u00fd.<\/em><\/p>\n<p>Vi\u1ec7c b\u1ecf tr\u1ea7n l\u00e3i su\u1ea5t cho vay th\u1eddi \u0111i\u1ec3m n\u00e0y \u0111\u01b0\u1ee3c \u0111\u00f4ng \u0111\u1ea3o d\u01b0 lu\u1eadn \u0111\u1ed3ng thu\u1eadn. Tuy nhi\u00ean, theo c\u00e1c chuy\u00ean gia t\u00e0i ch\u00ednh, ch\u00ednh s\u00e1ch n\u00e0o c\u0169ng s\u1ebd c\u00f3 hai m\u1eb7t song h\u00e0nh. C\u1ee5 th\u1ec3, l\u00e3i su\u1ea5t kh\u00f4ng nh\u1eefng \u0111i\u1ec1u ch\u1ec9nh c\u00e2n b\u1eb1ng cung &#8211; c\u1ea7u m\u00e0 c\u00f2n l\u00e0 c\u00f4ng c\u1ee5 \u0111i\u1ec1u ch\u1ec9nh h\u00e0nh vi c\u1ee7a c\u00e1c th\u00e0nh ph\u1ea7n kinh t\u1ebf tham gia tr\u00ean th\u1ecb tr\u01b0\u1eddng. N\u1ebfu l\u00e3i su\u1ea5t th\u1ea5p, ng\u01b0\u1eddi d\u00e2n v\u00e0\u00a0doanh nghi\u1ec7p\u00a0c\u00f3 khuynh h\u01b0\u1edbng vay nhi\u1ec1u, \u0111\u1ea7u t\u01b0\u00a0kinh doanh\u00a0nhi\u1ec1u v\u00e0 ng\u01b0\u1ee3c l\u1ea1i. V\u00ec th\u1ebf, b\u00ean c\u1ea1nh vi\u1ec7c th\u1ea3 n\u1ed5i l\u00e3i su\u1ea5t cho vay, v\u1eabn c\u1ea7n ph\u1ea3i c\u00f3 \u201cbi\u1ec7n ph\u00e1p m\u1ec1m\u201d \u0111\u1ec3 duy tr\u00ec l\u00e3i su\u1ea5t \u1edf m\u1ee9c qu\u00e2n b\u00ecnh, tr\u00e1nh vi\u1ec7c l\u00e3i su\u1ea5t cao qu\u00e1 khi\u1ebfn doanh nghi\u1ec7p kh\u00f3 ti\u1ebfp c\u1eadn v\u1ed1n vay c\u00f2n th\u1ea5p qu\u00e1 th\u00ec gia t\u0103ng l\u1ea1m ph\u00e1t.<\/p>\n<p><strong>Minh Minh<\/strong><\/p>\n<p>&#8212;&#8212;&#8212;&#8212;&#8212;&#8212;&#8212;&#8212;&#8212;-<\/p>\n<p><strong><em>An ninh Ti\u1ec1n t\u1ec7 (T\u00e0i ch\u00ednh \u2013 Ng\u00e2n h\u00e0ng) 01-3-2017:<\/em><\/strong><\/p>\n<p><em><a href=\"http:\/\/antt.vn\/chuyen-tran-lai-suat-va-thong-tu-coi-troi-0124179.html\">http:\/\/antt.vn\/chuyen-tran-lai-suat-va-thong-tu-coi-troi-0124179.html<\/a><\/em><\/p>\n<p><strong><em>(107\/840)<\/em><\/strong>","protected":false},"excerpt":{"rendered":"<p>(ANTT) &#8211; Sau nhi\u1ec1u n\u0103m b\u1ecb kh\u1ed1ng ch\u1ebf \u1edf m\u1ee9c tr\u1ea7n 15%\/n\u0103m (t\u1ea1i \u0110i\u1ec1u 476 B\u1ed9 lu\u1eadt D\u00e2n s\u1ef1 2005), sau n\u00e0y n\u00e2ng l\u00ean 20%\/n\u0103m (\u0110i\u1ec1u 468 B\u1ed9 lu\u1eadt D\u00e2n s\u1ef1 2015), t\u1eeb 15\/3\/2017 tr\u1ea7n l\u00e3i su\u1ea5t cho vay \u0111\u00e3 \u0111\u01b0\u1ee3c \u201cc\u1edfi tr\u00f3i\u201d, cho ph\u00e9p s\u1ef1 th\u1ecfa thu\u1eadn gi\u1eefa t\u1ed5 ch\u1ee9c t\u00edn d\u1ee5ng v\u00e0 kh\u00e1ch [&hellip;]<\/p>\n","protected":false},"author":3,"featured_media":28271,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":""},"categories":[17,26],"tags":[],"class_list":["post-28270","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-binh-luan-gop-y","category-legal-media"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.3 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>1.240. 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