{"id":29038,"date":"2016-11-24T14:49:17","date_gmt":"2016-11-24T07:49:17","guid":{"rendered":"https:\/\/anvilaw.com\/vi\/?p=29038"},"modified":"2022-06-21T15:01:32","modified_gmt":"2022-06-21T08:01:32","slug":"1-136-von-vay-cho-doanh-nghiep-nho-ngan-hang-o-the-thu","status":"publish","type":"post","link":"https:\/\/anvilaw.com\/vi\/1-136-von-vay-cho-doanh-nghiep-nho-ngan-hang-o-the-thu\/","title":{"rendered":"1.136. V\u1ed1n vay cho doanh nghi\u1ec7p nh\u1ecf: Ng\u00e2n h\u00e0ng \u1edf th\u1ebf th\u1ee7"},"content":{"rendered":"<strong>(TBKD) &#8211; <\/strong><strong>Vi\u1ec7c kh\u00f3 ti\u1ebfp c\u1eadn v\u1ed1n vay v\u00e0 c\u00f3 m\u1ee9c \u0111\u1ed9 h\u1ea5p th\u1ee5 v\u1ed1n r\u1ea5t th\u1ea5p t\u1eeb t\u1ed5ng v\u1ed1n cho vay c\u1ee7a ng\u00e2n h\u00e0ng l\u00e0 chuy\u1ec7n l\u00e2u nay c\u1ee7a c\u00e1c doanh nghi\u1ec7p nh\u1ecf v\u00e0 v\u1eeba (DNNVV) d\u00f9 \u0111\u00e3 c\u00f3 nhi\u1ec1u ch\u00ednh s\u00e1ch h\u1ed7 tr\u1ee3. Trong th\u1eddi \u0111i\u1ec3m n\u00e0y l\u1ea1i c\u00e0ng kh\u00f3 h\u01a1n khi c\u00e1c ng\u00e2n h\u00e0ng lu\u00f4n \u1edf v\u00e0o th\u1ebf th\u1ee7 v\u00ec t\u1ef7 l\u1ec7 n\u1ee3 x\u1ea5u cao. Lu\u1eadt h\u1ed7 tr\u1ee3 DNNVV c\u00f3 gi\u1ea3i t\u1ecfa \u0111\u01b0\u1ee3c chuy\u1ec7n n\u00e0y?<\/strong><\/p>\n<p><img loading=\"lazy\" decoding=\"async\" class=\"alignnone size-full wp-image-29039 img-fluid img-fluid\" src=\"https:\/\/anvilaw.com\/wp-content\/uploads\/2022\/06\/36-2.png\" alt=\"\" width=\"377\" height=\"227\" \/><\/p>\n<p>S\u1ed1 li\u1ec7u m\u1edbi c\u00f4ng b\u1ed1 t\u1eeb Ph\u00f2ng Th\u01b0\u01a1ng m\u1ea1i v\u00e0 C\u00f4ng nghi\u1ec7p Vi\u1ec7t Nam (VCCI) cho th\u1ea5y m\u1ee9c \u0111\u1ed9 ti\u1ebfp c\u1eadn v\u1ed1n ng\u00e2n h\u00e0ng c\u1ee7a c\u00e1c DNNVV v\u1eabn r\u1ea5t h\u1ea1n ch\u1ebf khi ch\u1ec9 d\u1eebng \u1edf m\u1ee9c 30% trong t\u1ed5ng s\u1ed1 l\u01b0\u1ee3ng DNNVV. \u0110i\u1ec1u \u0111\u00e1ng n\u00f3i l\u00e0 \u0111\u1ed9 h\u1ea5p th\u1ee5 v\u1ed1n c\u0169ng r\u1ea5t th\u1ea5p, ch\u1ec9 c\u00f3 3% trong t\u1ed5ng v\u1ed1n c\u00e1c ng\u00e2n h\u00e0ng cho vay trong n\u1ec1n kinh t\u1ebf l\u00e0 d\u00e0nh cho DNNVV.<\/p>\n<p><strong>Kh\u00f3 b\u1eaft b\u1ebb ng\u00e2n h\u00e0ng<\/strong><\/p>\n<p>Th\u1ef1c ra, c\u00e1c DNNVV l\u00e2u nay v\u1eabn th\u01b0\u1eddng kh\u00f3 ti\u1ebfp c\u1eadn v\u1ed1n vay t\u1eeb ng\u00e2n h\u00e0ng m\u00e0 nguy\u00ean nh\u00e2n ch\u1ee7 y\u1ebfu l\u00e0 v\u00ec n\u0103ng l\u1ef1c qu\u1ea3n tr\u1ecb h\u1ea1n ch\u1ebf ph\u01b0\u01a1ng \u00e1n, d\u1ef1 \u00e1n kinh doanh, vay v\u1ed1n x\u00e2y d\u1ef1ng kh\u00f4ng b\u00e0i b\u1ea3n.<\/p>\n<p>Ch\u01b0a k\u1ec3, h\u1ec7 th\u1ed1ng s\u1ed5 s\u00e1ch t\u00e0i ch\u00ednh k\u1ebf to\u00e1n thi\u1ebfu minh b\u1ea1ch, ti\u1ec1m l\u1ef1c t\u00e0i ch\u00ednh y\u1ebfu, t\u00e0i s\u1ea3n b\u1ea3o \u0111\u1ea3m \u00edt, d\u1ec5 b\u1ecb r\u1ee7i ro, t\u1ed5n th\u01b0\u01a1ng\u2026 c\u0169ng l\u00e0m c\u00e1c ng\u00e2n h\u00e0ng \u0111\u1eafn \u0111o khi cho c\u00e1c DNNVV vay v\u1ed1n.<\/p>\n<p>Do \u0111\u00f3, n\u1ebfu DNNVV \u0111\u01b0\u1ee3c vay v\u1ed1n th\u00ec th\u01b0\u1eddng ph\u1ea3i ch\u1ecbu l\u00e3i su\u1ea5t cao v\u00e0 c\u00e1c \u0111i\u1ec1u ki\u1ec7n kh\u00e1c m\u1ed9t c\u00e1ch kh\u00f3 kh\u0103n, ch\u1eb7t ch\u1ebd. Nhi\u1ec1u doanh nghi\u1ec7p (DN) ph\u1ea3i vay v\u1ed1n ng\u00e2n h\u00e0ng v\u1edbi l\u00e3i su\u1ea5t cao ho\u1eb7c kh\u00f4ng \u0111\u1ee7 \u0111i\u1ec1u ki\u1ec7n vay v\u1ed1n ng\u00e2n h\u00e0ng th\u00ec ph\u1ea3i vay v\u1ed1n c\u1ee7a c\u00e1c c\u00e1 nh\u00e2n, t\u1ed5 ch\u1ee9c kh\u00e1c th\u00ec l\u1ea1i b\u1ecb lu\u1eadt c\u1ea3n tr\u1edf. Ch\u1eb3ng h\u1ea1n, Lu\u1eadt Thu\u1ebf thu nh\u1eadp doanh nghi\u1ec7p hi\u1ec7n h\u00e0nh kh\u00f4ng cho ph\u00e9p DN h\u1ea1ch to\u00e1n ph\u1ea7n l\u00e3i vay th\u1ef1c t\u1ebf v\u01b0\u1ee3t qu\u00e1 13,5%\/n\u0103m.<\/p>\n<p>M\u1edbi \u0111\u00e2y, khi th\u1ea3o lu\u1eadn v\u1ec1 d\u1ef1 th\u1ea3o Lu\u1eadt h\u1ed7 tr\u1ee3 DNNVV t\u1ea1i di\u1ec5n \u0111\u00e0n c\u1ee7a Qu\u1ed1c h\u1ed9i, v\u1ea5n \u0111\u1ec1 ti\u1ebfp c\u1eadn v\u1ed1n vay c\u0169ng \u0111\u01b0\u1ee3c nhi\u1ec1u \u0111\u1ea1i bi\u1ec3u Qu\u1ed1c h\u1ed9i \u0111\u01b0a ra m\u1ed5 x\u1ebb, nh\u1ea5t l\u00e0 chuy\u1ec7n c\u00e1c ng\u00e2n h\u00e0ng th\u01b0\u01a1ng m\u1ea1i ph\u1ea3i c\u00f3 ngh\u0129a v\u1ee5 cho DNNVV vay v\u1ed1n hay kh\u00f4ng.<\/p>\n<p>\u0110\u1ea1i bi\u1ec3u Nguy\u1ec5n V\u0103n Th\u1eafng (H\u00e0 N\u1ed9i) cho r\u1eb1ng th\u1ef1c t\u1ebf c\u00e1c ng\u00e2n h\u00e0ng th\u01b0\u01a1ng m\u1ea1i l\u00e0 c\u00e1c DN ho\u1ea1t \u0111\u1ed9ng theo Lu\u1eadt DN, kh\u00f4ng th\u1ec3 n\u00f3i ng\u00e2n h\u00e0ng huy \u0111\u1ed9ng th\u00ec ph\u1ea3i cho vay, kh\u00f4ng th\u1ec3 c\u00f3 m\u1ec7nh l\u1ec7nh n\u00e0o \u0111\u1ec3 \u00e9p c\u00e1c ng\u00e2n h\u00e0ng ph\u1ea3i cho c\u00e1c DNNVV vay, h\u1ed7 tr\u1ee3.<\/p>\n<p><em>Xoay quanh v\u1ea5n \u0111\u1ec1 n\u00e0y, lu\u1eadt s\u01b0 Tr\u01b0\u01a1ng Thanh \u0110\u1ee9c,\u00a0<\/em><em>Gi\u00e1m \u0111\u1ed1c C\u00f4ng ty Lu\u1eadt ANVI<\/em><em>, Tr\u1ecdng t\u00e0i vi\u00ean VIAC, cho bi\u1ebft \u1edf Kho\u1ea3n 1, \u0110i\u1ec1u 9 c\u1ee7a D\u1ef1 th\u1ea3o Lu\u1eadt h\u1ed7 tr\u1ee3 DNNVV c\u00f3 quy \u0111\u1ecbnh v\u1ec1 vi\u1ec7c c\u00e1c ng\u00e2n h\u00e0ng t\u1ea1o \u0111i\u1ec1u ki\u1ec7n thu\u1eadn l\u1ee3i cho DNNVV ti\u1ebfp c\u1eadn v\u1ed1n th\u00f4ng qua vi\u1ec7c cung c\u1ea5p th\u1ec3 lo\u1ea1i, s\u1ed1 l\u01b0\u1ee3ng v\u00e0 l\u00e3i su\u1ea5t t\u00edn d\u1ee5ng ph\u00f9 h\u1ee3p nhu c\u1ea7u, \u0111\u1eb7c \u0111i\u1ec3m v\u00e0 kh\u1ea3 n\u0103ng tr\u1ea3 n\u1ee3 c\u1ee7a DN.<\/em><\/p>\n<p><em>\u0110i\u1ec1u n\u00e0y, theo Lu\u1eadt s\u01b0 \u0110\u1ee9c l\u00e0 kh\u00f4ng sai, nh\u01b0ng hi\u1ec3n nhi\u00ean l\u00e0 c\u00e1c ng\u00e2n h\u00e0ng \u0111\u00e3, \u0111ang v\u00e0 s\u1ebd l\u00e0m \u0111\u1ec3 thu h\u00fat v\u00e0 ph\u1ee5c v\u1ee5 kh\u00e1ch h\u00e0ng m\u1ed9t c\u00e1ch t\u1ed1t nh\u1ea5t, ch\u1ee9 kh\u00f4ng ph\u1ea3i ch\u1edd Lu\u1eadt quy \u0111\u1ecbnh. Ng\u01b0\u1ee3c l\u1ea1i, n\u1ebfu ng\u00e2n h\u00e0ng ch\u1ec9 \u0111\u1eb7t ra quy \u0111\u1ecbnh \u0111\u1ec3 \u0111\u1ed1i ph\u00f3 th\u00ec c\u0169ng kh\u00f4ng th\u1ec3 b\u1eaft b\u1ebb, x\u1eed l\u00fd \u0111\u01b0\u1ee3c.<\/em><\/p>\n<p><strong>C\u00f3 c\u1ea7n h\u1ed7 tr\u1ee3 l\u00e3i su\u1ea5t?<\/strong><\/p>\n<p>Ri\u00eang v\u1ec1 l\u00e3i su\u1ea5t cho vay, nhi\u1ec1u n\u0103m qua \u0111\u00e3 c\u00f3 quy \u0111\u1ecbnh \u01b0u \u0111\u00e3i cho c\u00e1c DNNVV. Quy \u0111\u1ecbnh hi\u1ec7n h\u00e0nh l\u00e0 Th\u00f4ng t\u01b0 s\u1ed1 08\/2014\/TT-NHNN ng\u00e0y 17\/5\/2014 c\u1ee7a Th\u1ed1ng \u0111\u1ed1c Ng\u00e2n h\u00e0ng Nh\u00e0 n\u01b0\u1edbc \u201cQuy \u0111\u1ecbnh l\u00e3i su\u1ea5t cho vay ng\u1eafn h\u1ea1n b\u1eb1ng \u0111\u1ed3ng Vi\u1ec7t Nam c\u1ee7a t\u1ed5 ch\u1ee9c t\u00edn d\u1ee5ng \u0111\u1ed1i v\u1edbi kh\u00e1ch h\u00e0ng vay \u0111\u1ec3 \u0111\u00e1p \u1ee9ng nhu c\u1ea7u v\u1ed1n ph\u1ee5c v\u1ee5 m\u1ed9t s\u1ed1 l\u0129nh v\u1ef1c, ng\u00e0nh kinh t\u1ebf\u201d, trong \u0111\u00f3 quy \u0111\u1ecbnh, c\u00e1c t\u1ed5 ch\u1ee9c t\u00edn d\u1ee5ng cho vay v\u1edbi m\u1ee9c l\u00e3i su\u1ea5t \u01b0u \u0111\u00e3i th\u1ea5p h\u01a1n \u0111\u1ed1i v\u1edbi m\u1ed9t trong n\u0103m \u0111\u1ed1i t\u01b0\u1ee3ng l\u00e0 \u201cPh\u1ee5c v\u1ee5 s\u1ea3n xu\u1ea5t \u2013 kinh doanh c\u1ee7a DNNVV\u201d.<\/p>\n<p>Tuy nhi\u00ean, \u0111i\u1ec1u ki\u1ec7n \u0111\u1ed1i v\u1edbi kh\u00e1ch h\u00e0ng vay v\u1ed1n, ngo\u00e0i vi\u1ec7c c\u00f3 \u0111\u1ee7 \u0111i\u1ec1u ki\u1ec7n vay v\u1ed1n theo quy \u0111\u1ecbnh, c\u00f2n ph\u1ea3i \u0111\u01b0\u1ee3c t\u1ed5 ch\u1ee9c t\u00edn d\u1ee5ng \u0111\u00e1nh gi\u00e1 l\u00e0 \u201cc\u00f3 t\u00ecnh h\u00ecnh t\u00e0i ch\u00ednh minh b\u1ea1ch, l\u00e0nh m\u1ea1nh\u201d. M\u00e0 \u0111\u00e3 c\u00f3 t\u00ecnh h\u00ecnh t\u00e0i ch\u00ednh minh b\u1ea1ch, l\u00e0nh m\u1ea1nh, th\u00ec DN n\u00e0o c\u0169ng s\u1ebd \u0111\u01b0\u1ee3c h\u01b0\u1edfng m\u1ee9c l\u00e3i su\u1ea5t th\u1ea5p, l\u00e3i su\u1ea5t \u01b0u \u0111\u00e3i, ch\u1ee9 kh\u00f4ng ri\u00eang g\u00ec \u0111\u1ed1i v\u1edbi DNNVV.<\/p>\n<p>N\u00f3i nh\u01b0 \u00f4ng V\u00f5 T\u00e2n Th\u00e0nh, Ph\u00f3 Ch\u1ee7 t\u1ecbch VCCI, \u1edf c\u00e1c n\u01b0\u1edbc, c\u00e1c DNNVV ti\u1ebfp c\u1eadn ngu\u1ed3n v\u1ed1n b\u1eb1ng t\u00edn ch\u1ea5p kh\u00e1 d\u1ec5 d\u00e0ng khi c\u00f3 ph\u01b0\u01a1ng \u00e1n kinh doanh kh\u1ea3 thi. C\u00f2n \u1edf Vi\u1ec7t Nam th\u00ec kh\u00e1c, c\u00e1c ng\u00e2n h\u00e0ng \u1edf v\u00e0o th\u1ebf th\u1ee7 v\u00ec \u0111ang c\u00f3 t\u1ef7 l\u1ec7 n\u1ee3 x\u1ea5u cao v\u00e0 lu\u00f4n \u0111\u00f2i h\u1ecfi t\u00e0i s\u1ea3n th\u1ebf ch\u1ea5p.<\/p>\n<p>Quan s\u00e1t nh\u1eefng n\u00fat th\u1eaft trong chuy\u1ec7n h\u1ed7 tr\u1ee3 v\u1ed1n vay, l\u00e3i su\u1ea5t c\u1ee7a DNNVV hi\u1ec7n nay, kh\u00f4ng \u00edt \u00fd ki\u1ebfn ph\u1ea3n bi\u1ec7n cho r\u1eb1ng vi\u1ec7c h\u1ed7 tr\u1ee3 l\u00e3i su\u1ea5t tr\u1ef1c ti\u1ebfp t\u1eeb ng\u00e2n s\u00e1ch hay y\u00eau c\u1ea7u ng\u00e2n h\u00e0ng gi\u1ea3m l\u00e3i su\u1ea5t \u0111\u1ed1i v\u1edbi DNNVV l\u00e0 c\u01a1 ch\u1ebf mang t\u00ednh h\u00e0nh ch\u00ednh v\u00e0 bao c\u1ea5p s\u1ebd g\u00e2y kh\u00f3 kh\u0103n cho ho\u1ea1t \u0111\u1ed9ng c\u1ee7a ng\u00e2n h\u00e0ng.<\/p>\n<p>N\u00f3 c\u00f3 th\u1ec3 l\u00e0m m\u00e9o m\u00f3 cung c\u1ea7u v\u00e0 quan h\u1ec7 t\u00edn d\u1ee5ng, kh\u00f4ng ph\u00f9 h\u1ee3p v\u1edbi kinh t\u1ebf th\u1ecb tr\u01b0\u1eddng, d\u1ec5 n\u1ea3y sinh ti\u00eau c\u1ef1c, \u1ef7 l\u1ea1i, c\u00e0o b\u1eb1ng, xin cho v\u00e0 kh\u00f4ng c\u00f3 t\u00e1c d\u1ee5ng h\u1ed7 tr\u1ee3 DNNVV v\u1ec1 chi\u1ec1u s\u00e2u v\u00e0 l\u00e2u d\u00e0i.<\/p>\n<p>V\u00ec v\u1eady, c\u1ea7n gi\u1ea3m thi\u1ec3u vi\u1ec7c h\u1ed7 tr\u1ee3 DNNVV b\u1eb1ng l\u00e3i su\u1ea5t, m\u00e0 n\u00ean t\u1eadp trung c\u00e1c bi\u1ec7n ph\u00e1p h\u1ed7 tr\u1ee3 nh\u1eb1m n\u00e2ng cao ch\u1ea5t l\u01b0\u1ee3ng ho\u1ea1t \u0111\u1ed9ng v\u00e0 n\u0103ng l\u1ef1c c\u1ea1nh tranh, t\u1eeb \u0111\u00f3 s\u1ebd gi\u00fap DN d\u1ec5 d\u00e0ng ti\u1ebfp c\u1eadn v\u1ed1n vay v\u1edbi l\u00e3i su\u1ea5t th\u1ea5p.<\/p>\n<p>Khi \u0111\u00f3, ng\u00e2n s\u00e1ch t\u0103ng thu thay v\u00ec ph\u1ea3i chi l\u1ea1i h\u1ed7 tr\u1ee3 l\u00e3i su\u1ea5t cho DNNVV, ng\u00e2n h\u00e0ng s\u1ebd t\u1ef1 nguy\u1ec7n, t\u00edch c\u1ef1c t\u1ea1o m\u1ecdi \u0111i\u1ec1u ki\u1ec7n thu\u1eadn l\u1ee3i, t\u1ea1o ra s\u1ea3n ph\u1ea9m, quy tr\u00ecnh ph\u1ee5c v\u1ee5 t\u1ed1t nh\u1ea5t, cho vay \u01b0u \u0111\u00e3i l\u00e3i su\u1ea5t cho nhi\u1ec1u DNNVV.<\/p>\n<p><strong>Th\u1ebf Vinh<\/strong><\/p>\n<p>\u2014\u2014\u2014\u2014<\/p>\n<p><strong><em>Th\u1eddi b\u00e1o Kinh doanh (L\u0103ng k\u00ednh) 24-11-2016:<\/em><\/strong><\/p>\n<p><em><a href=\"http:\/\/thoibaokinhdoanh.vn\/Lang-kinh-8\/Von-vay-cho-doanh-nghiep-nho-Ngan-hang-o-the-thu-28055.html\">http:\/\/thoibaokinhdoanh.vn\/Lang-kinh-8\/Von-vay-cho-doanh-nghiep-nho-Ngan-hang-o-the-thu-28055.html<\/a><\/em><\/p>\n<p><em>(139\/1.050)<\/em>","protected":false},"excerpt":{"rendered":"<p>(TBKD) &#8211; Vi\u1ec7c kh\u00f3 ti\u1ebfp c\u1eadn v\u1ed1n vay v\u00e0 c\u00f3 m\u1ee9c \u0111\u1ed9 h\u1ea5p th\u1ee5 v\u1ed1n r\u1ea5t th\u1ea5p t\u1eeb t\u1ed5ng v\u1ed1n cho vay c\u1ee7a ng\u00e2n h\u00e0ng l\u00e0 chuy\u1ec7n l\u00e2u nay c\u1ee7a c\u00e1c doanh nghi\u1ec7p nh\u1ecf v\u00e0 v\u1eeba (DNNVV) d\u00f9 \u0111\u00e3 c\u00f3 nhi\u1ec1u ch\u00ednh s\u00e1ch h\u1ed7 tr\u1ee3. Trong th\u1eddi \u0111i\u1ec3m n\u00e0y l\u1ea1i c\u00e0ng kh\u00f3 h\u01a1n khi c\u00e1c [&hellip;]<\/p>\n","protected":false},"author":3,"featured_media":29039,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":""},"categories":[17,26],"tags":[],"class_list":["post-29038","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>1.136. 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