{"id":29134,"date":"2016-08-08T15:49:23","date_gmt":"2016-08-08T08:49:23","guid":{"rendered":"https:\/\/anvilaw.com\/vi\/?p=29134"},"modified":"2022-06-22T15:52:40","modified_gmt":"2022-06-22T08:52:40","slug":"981-nghich-ly-thanh-khoan-va-lai-suat","status":"publish","type":"post","link":"https:\/\/anvilaw.com\/vi\/981-nghich-ly-thanh-khoan-va-lai-suat\/","title":{"rendered":"981. Ngh\u1ecbch l\u00fd thanh kho\u1ea3n v\u00e0 l\u00e3i su\u1ea5t"},"content":{"rendered":"(SG\u0110TTC) – Thanh kho\u1ea3n c\u1ee7a h\u1ec7 th\u1ed1ng ng\u00e2n h\u00e0ng (NH) t\u1eeb \u0111\u1ea7u n\u0103m \u0111\u1ebfn nay kh\u00e1 d\u1ed3i d\u00e0o khi huy \u0111\u1ed9ng v\u1ed1n t\u0103ng cao h\u01a1n so v\u1edbi d\u01b0 n\u1ee3 c\u00f9ng m\u1ed9t l\u01b0\u1ee3ng ti\u1ec1n l\u1edbn \u0111\u01b0\u1ee3c NHNN b\u01a1m ra n\u1ec1n kinh t\u1ebf. Tuy nhi\u00ean, l\u00e3i su\u1ea5t huy \u0111\u1ed9ng l\u1ea1i di\u1ec5n bi\u1ebfn tr\u00e1i chi\u1ec1u v\u1edbi thanh kho\u1ea3n v\u00e0 quan \u0111i\u1ec3m \u0111i\u1ec1u h\u00e0nh l\u00e3i su\u1ea5t c\u1ee7a NHNN, khi c\u00e1c NHTMCP nh\u1ecf \u0111ang t\u00edch c\u1ef1c \u0111i\u1ec1u ch\u1ec9nh t\u0103ng l\u00e3i su\u1ea5t ti\u1ec1n g\u1eedi ti\u1ebft ki\u1ec7m 0,1-0,4%, khi\u1ebfn vi\u1ec7c h\u1ea1 l\u00e3i su\u1ea5t cho vay h\u1ed7 tr\u1ee3 doanh nghi\u1ec7p d\u1ef1 b\u00e1o s\u1ebd r\u1ea5t kh\u00f3 kh\u0103n.<\/strong><\/p>\n

Thanh kho\u1ea3n d\u1ed3i d\u00e0o, v\u1eabn t\u0103ng l\u00e3i su\u1ea5t huy \u0111\u1ed9ng<\/strong><\/p>\n

Theo nh\u1eadn \u0111\u1ecbnh c\u1ee7a NHNN, trong nh\u1eefng th\u00e1ng \u0111\u1ea7u n\u0103m 2016, l\u01b0\u1ee3ng v\u1ed1n huy \u0111\u1ed9ng t\u0103ng cao h\u01a1n so v\u1edbi cho vay, ch\u1ee9ng t\u1ecf thanh kho\u1ea3n c\u1ee7a h\u1ec7 th\u1ed1ng \u0111ang d\u01b0 th\u1eeba \u1edf m\u1ee9c h\u1ee3p l\u00fd. C\u1ee5 th\u1ec3, 6 th\u00e1ng \u0111\u1ea7u n\u0103m t\u1ed1c \u0111\u1ed9 t\u0103ng tr\u01b0\u1edfng huy \u0111\u1ed9ng v\u1ed1n \u0111\u1ea1t 10,2%, trong khi t\u0103ng tr\u01b0\u1edfng t\u00edn d\u1ee5ng \u1edf m\u1ee9c 8,16%. B\u00e1o c\u00e1o t\u00e0i ch\u00ednh qu\u00fd II-2016 c\u1ee7a c\u00e1c NHTM c\u0169ng cho th\u1ea5y l\u01b0\u1ee3ng v\u1ed1n huy \u0111\u1ed9ng \u0111ang cao h\u01a1n cho vay.<\/p>\n\n\n\n
T\u1eeb \u0111\u1ea7u n\u0103m NHNN \u0111\u00e3 nh\u1eadn th\u1ea5y vi\u1ec7c \u0111i\u1ec1u h\u00e0nh l\u00e3i su\u1ea5t n\u0103m nay r\u1ea5t kh\u00f3 kh\u0103n. V\u00ec th\u1ebf, NHNN ph\u1ea3i t\u00ednh to\u00e1n \u0111i\u1ec1u ti\u1ebft l\u00e3i su\u1ea5t h\u1ee3p l\u00fd \u0111\u1ec3 h\u1ed7 tr\u1ee3 doanh nghi\u1ec7p, \u1ed5n \u0111\u1ecbnh l\u00e3i su\u1ea5t, ng\u0103n ch\u1eb7n t\u00ecnh tr\u1ea1ng c\u00e1c NHTM t\u0103ng l\u00e3i su\u1ea5t \u0111\u1ea7u v\u00e0o, h\u1ed7 tr\u1ee3 NH ti\u1ebfp c\u1eadn v\u1ed1n tr\u00ean th\u1ecb tr\u01b0\u1eddng II v\u1edbi l\u00e3i su\u1ea5t th\u1ea5p \u0111\u1ec3 tr\u00e1nh t\u0103ng l\u00e3i su\u1ea5t tr\u00ean th\u1ecb tr\u01b0\u1eddng I.<\/p>\n

B\u00e0<\/em>\u00a0Nguy\u1ec5n Th\u1ecb H\u1ed3ng<\/strong>, Ph\u00f3 Th\u1ed1ng \u0111\u1ed1c NHNN<\/em><\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n

T\u1ea1i NHTMCP c\u00f3 v\u1ed1n nh\u00e0 n\u01b0\u1edbc nh\u01b0 Vietcombank, t\u00ednh \u0111\u1ebfn ng\u00e0y 30-6 \u0111\u00e3 huy \u0111\u1ed9ng g\u1ea7n 535.000 t\u1ef7 \u0111\u1ed3ng, t\u0103ng 6,8%; cho vay kh\u00e1ch h\u00e0ng \u0111\u1ea1t 427.000 t\u1ef7 \u0111\u1ed3ng, t\u0103ng 10,3% so v\u1edbi d\u01b0 n\u1ee3 cu\u1ed1i n\u0103m 2015. VietinBank huy \u0111\u1ed9ng 596.000 t\u1ef7 \u0111\u1ed3ng, t\u0103ng 17%; trong khi cho vay ra \u0111\u1ea1t 592.000 t\u1ef7 \u0111\u1ed3ng, t\u0103ng 10%. D\u01b0 n\u1ee3 t\u00edn d\u1ee5ng c\u1ee7a BIDV \u0111\u1ea1t tr\u00ean 680.000 t\u1ef7 \u0111\u1ed3ng, t\u0103ng 8,3% so v\u1edbi so v\u1edbi \u0111\u1ea7u n\u0103m; trong khi t\u1ed5ng ngu\u1ed3n v\u1ed1n huy \u0111\u1ed9ng t\u1eeb t\u1ed5 ch\u1ee9c, d\u00e2n c\u01b0 \u0111\u1ea1t tr\u00ean 747.000 t\u1ef7 \u0111\u1ed3ng, t\u0103ng 13% so v\u1edbi \u0111\u1ea7u n\u0103m.<\/p>\n

\u1ede kh\u1ed1i NHTMCP, MB huy \u0111\u1ed9ng 190.000 t\u1ef7 \u0111\u1ed3ng t\u0103ng g\u1ea7n 5%, cho vay \u0111\u1ea1t 141.000 t\u1ef7 \u0111\u1ed3ng, t\u0103ng 16,5%. Trong b\u00e1o c\u00e1o k\u1ebft qu\u1ea3 kinh doanh 6 th\u00e1ng ch\u01b0a ki\u1ec3m to\u00e1n c\u1ee7a VIB, s\u1ed1 d\u01b0 ti\u1ec1n g\u1eedi \u0111\u1ea1t 57.248 t\u1ef7 \u0111\u1ed3ng, t\u0103ng 7,4%; cho vay \u0111\u1ea1t 51.319 t\u1ef7 \u0111\u1ed3ng, t\u0103ng 7,4%. Sacombank cho vay kh\u00e1ch h\u00e0ng \u0111\u1ea1t 199.000 t\u1ef7 \u0111\u1ed3ng, t\u0103ng 7,1%; ti\u1ec1n g\u1eedi \u0111\u1ea1t g\u1ea7n 280.000 t\u1ef7 \u0111\u1ed3ng, t\u0103ng 7,2%. NCB huy \u0111\u1ed9ng g\u1ea7n 39.000 t\u1ef7 \u0111\u1ed3ng, t\u0103ng 14%; cho vay kh\u00e1ch h\u00e0ng \u0111\u1ea1t 21.600 t\u1ef7 \u0111\u1ed3ng, t\u0103ng h\u01a1n 5%. SCB huy \u0111\u1ed9ng 287.042 t\u1ef7 \u0111\u1ed3ng, cho vay \u0111\u1ea1t 200.078 t\u1ef7 \u0111\u1ed3ng. Maritime Bank huy \u0111\u1ed9ng tr\u00ean 74.600 t\u1ef7 \u0111\u1ed3ng, t\u0103ng 13%, trong khi s\u1ed1 d\u01b0 cho vay 33.600 t\u1ef7 \u0111\u1ed3ng.<\/p>\n

Thanh kho\u1ea3n c\u1ee7a h\u1ec7 th\u1ed1ng kh\u00e1 d\u01b0 th\u1eeba c\u00f2n \u0111\u01b0\u1ee3c th\u1ec3 hi\u1ec7n qua m\u1ee9c l\u00e3i su\u1ea5t li\u00ean NH li\u00ean t\u1ee5c gi\u1ea3m v\u00e0 tr\u1ea1ng th\u00e1i h\u00fat r\u00f2ng c\u1ee7a NHNN qua k\u00eanh t\u00edn phi\u1ebfu. L\u00e3i su\u1ea5t li\u00ean NH \u00e1p d\u1ee5ng ng\u00e0y 3-8 \u1edf c\u00e1c k\u1ef3 h\u1ea1n qua \u0111\u00eam 1,24%\/n\u0103m, 1 tu\u1ea7n 1,47%\/n\u0103m, 2 tu\u1ea7n 1,74%\/n\u0103m, 1 th\u00e1ng 2,24%\/n\u0103m, 3 th\u00e1ng 3,97%\/n\u0103m, 6 th\u00e1ng 4,5%\/n\u0103m. Trong khi \u0111\u00f3 h\u1ed3i \u0111\u1ea7u n\u0103m, l\u00e3i su\u1ea5t li\u00ean NH k\u1ef3 h\u1ea1n qua \u0111\u00eam \u1edf m\u1ee9c 4,83%\/n\u0103m, 1 tu\u1ea7n 5%\/n\u0103m, 1 th\u00e1ng 5,11%\/n\u0103m, 3 th\u00e1ng 5,26%\/n\u0103m v\u00e0 6 th\u00e1ng 5,45%\/n\u0103m. Trong b\u00e1o c\u00e1o g\u1ea7n \u0111\u00e2y c\u1ee7a \u1ee6y ban Gi\u00e1m s\u00e1t t\u00e0i ch\u00ednh qu\u1ed1c gia c\u0169ng nh\u1eadn \u0111\u1ecbnh, thanh kho\u1ea3n c\u1ee7a VN\u0110 t\u1eeb \u0111\u1ea7u n\u0103m \u0111\u1ebfn nay kh\u00e1 d\u1ed3i d\u00e0o, nguy\u00ean nh\u00e2n do huy \u0111\u1ed9ng t\u0103ng cao trong khi t\u00edn d\u1ee5ng t\u0103ng th\u1ea5p h\u01a1n. Trong khi \u0111\u00f3 NHNN \u0111\u00e3 mua \u0111\u01b0\u1ee3c m\u1ed9t l\u01b0\u1ee3ng l\u1edbn ngo\u1ea1i t\u1ec7 v\u00e0 b\u01a1m m\u1ed9t l\u01b0\u1ee3ng l\u1edbn VN\u0110 ra n\u1ec1n kinh t\u1ebf.<\/p>\n

Tuy nhi\u00ean, \u0111\u01b0\u1eddng \u0111i c\u1ee7a l\u00e3i su\u1ea5t tr\u00ean th\u1ecb tr\u01b0\u1eddng l\u1ea1i tr\u00e1i chi\u1ec1u v\u1edbi di\u1ec5n bi\u1ebfn thanh kho\u1ea3n. Ng\u00e0y 28-7, bi\u1ec3u l\u00e3i su\u1ea5t c\u1ee7a VietCapitalBank ti\u1ebfp t\u1ee5c \u0111\u01b0\u1ee3c \u0111i\u1ec1u ch\u1ec9nh t\u0103ng 0,2% t\u1ea1i k\u1ef3 h\u1ea1n 6 th\u00e1ng l\u00ean m\u1ee9c 7%\/n\u0103m, t\u0103ng 0,8% t\u1ea1i k\u1ef3 h\u1ea1n 18 th\u00e1ng l\u00ean m\u1ee9c 7,8%\/n\u0103m. V\u1edbi l\u1ea7n \u0111i\u1ec1u ch\u1ec9nh n\u00e0y, VietCapitalBank \u0111ang c\u00f3 l\u00e3i su\u1ea5t huy \u0111\u1ed9ng h\u1ea5p d\u1eabn th\u1ecb tr\u01b0\u1eddng. Ng\u00e0y 1-8, Maritime Bank c\u0169ng \u0111i\u1ec1u ch\u1ec9nh l\u00e3i su\u1ea5t h\u00e0ng lo\u1ea1t k\u1ef3 h\u1ea1n v\u1edbi m\u1ee9c t\u0103ng kh\u00e1 cao. Theo bi\u1ec3u l\u00e3i su\u1ea5t c\u1ee7a Maritime Bank, k\u1ef3 h\u1ea1n 6 th\u00e1ng \u0111\u1ed1i v\u1edbi t\u1ea5t c\u1ea3 h\u00ecnh th\u1ee9c g\u1eedi t\u0103ng 0,4%, v\u1edbi ti\u1ebft ki\u1ec7m th\u01b0\u1eddng g\u1eedi t\u1ea1i qu\u1ea7y d\u01b0\u1edbi 50 tri\u1ec7u \u0111\u1ed3ng \u00e1p d\u1ee5ng l\u00e3i su\u1ea5t 6,1%\/n\u0103m, t\u1eeb 50 tri\u1ec7u \u0111\u1ebfn 1 t\u1ef7 \u0111\u1ed3ng \u00e1p d\u1ee5ng l\u00e3i su\u1ea5t 6,4%\/n\u0103m, t\u1eeb 1 t\u1ef7 \u0111\u1ed3ng tr\u1edf l\u00ean \u00e1p d\u1ee5ng l\u00e3i su\u1ea5t 6,5%\/n\u0103m, g\u1eedi online 6,5%\/n\u0103m. C\u00e1c k\u1ef3 h\u1ea1n t\u1eeb 7-11 th\u00e1ng c\u0169ng \u0111\u01b0\u1ee3c \u0111i\u1ec1u ch\u1ec9nh t\u0103ng 0,2%. K\u1ef3 h\u1ea1n 12 th\u00e1ng t\u0103ng 0,25% l\u00ean 7%\/n\u0103m \u0111\u1ed1i v\u1edbi ti\u1ec1n g\u1eedi online v\u00e0 ti\u1ec1n g\u1eedi tr\u00ean 1 t\u1ef7 \u0111\u1ed3ng, c\u00e1c h\u00ecnh th\u1ee9c g\u1eedi kh\u00e1c m\u00e0 NH \u0111ang \u00e1p d\u1ee5ng \u0111\u1ed1i v\u1edbi k\u1ef3 h\u1ea1n n\u00e0y t\u0103ng 0,3%. L\u00e3i su\u1ea5t ti\u1ebft ki\u1ec7m truy\u1ec1n th\u1ed1ng c\u1ee7a VietBank c\u0169ng t\u0103ng 0,3% \u0111\u1ed1i v\u1edbi k\u1ef3 h\u1ea1n 6 th\u00e1ng v\u00e0 9 th\u00e1ng, hi\u1ec7n l\u00e3i su\u1ea5t k\u1ef3 h\u1ea1n 6 th\u00e1ng l\u00e0 6,9%\/n\u0103m, k\u1ef3 h\u1ea1n 9 th\u00e1ng l\u00e0 7%\/n\u0103m. BaoVietBank c\u0169ng \u00e1p m\u1ee9c l\u00e3i su\u1ea5t huy \u0111\u1ed9ng m\u1edbi t\u1eeb ng\u00e0y 1-8 gi\u1ea3m \u1edf h\u1ea7u h\u1ebft c\u00e1c k\u1ef3 h\u1ea1n d\u00e0i nh\u01b0ng t\u0103ng 0,05% \u1edf k\u1ef3 h\u1ea1n 2 th\u00e1ng v\u00e0 13 th\u00e1ng l\u00ean m\u1ee9c 5,3%\/n\u0103m v\u00e0 7,3%\/n\u0103m, k\u1ef3 h\u1ea1n 3 th\u00e1ng v\u00e0 5 th\u00e1ng t\u0103ng 0,2%, l\u00ean 5,5%\/n\u0103m.<\/p>\n

Thi\u1ebfu b\u1ec1n v\u1eefng n\u00ean ph\u00f2ng thanh kho\u1ea3n<\/strong><\/p>\n

Trong qu\u00fd I v\u00e0 II, vi\u1ec7c ch\u1ea1y \u0111ua l\u00e3i su\u1ea5t di\u1ec5n ra tr\u00ean to\u00e0n h\u1ec7 th\u1ed1ng, nh\u01b0ng trong \u0111\u1ee3t t\u0103ng l\u00e3i su\u1ea5t cu\u1ed1i th\u00e1ng 7 v\u00e0 \u0111\u1ea7u th\u00e1ng 8 v\u1eeba qua ch\u1ec9 NHTM nh\u1ecf tham gia, c\u00f2n m\u1ed9t s\u1ed1 NHTM l\u1edbn l\u1ea1i c\u00f3 xu h\u01b0\u1edbng gi\u1ea3m l\u00e3i su\u1ea5t. T\u1ea1i BIDV, bi\u1ec3u l\u00e3i su\u1ea5t \u00e1p d\u1ee5ng t\u1eeb ng\u00e0y 27-7 gi\u1ea3m 0,2% \u0111\u1ed1i v\u1edbi k\u1ef3 h\u1ea1n 6-9 th\u00e1ng xu\u1ed1ng 5,8%\/n\u0103m; gi\u1ea3m 0,3% k\u1ef3 h\u1ea1n 364 ng\u00e0y xu\u1ed1ng 6,5%\/n\u0103m, gi\u1ea3m 0,1% \u0111\u1ed1i v\u1edbi k\u1ef3 h\u1ea1n 13-18 th\u00e1ng xu\u1ed1ng 6,8%\/n\u0103m. T\u1ea1i MB, k\u1ef3 h\u1ea1n t\u1eeb 1-3 th\u00e1ng gi\u1ea3m 0,1%, k\u1ef3 h\u1ea1n 6-8 th\u00e1ng gi\u1ea3m 0,2%, k\u1ef3 h\u1ea1n 13 th\u00e1ng gi\u1ea3m 0,1%. Theo ph\u00f3 t\u1ed5ng gi\u00e1m \u0111\u1ed1c m\u1ed9t NHTMCP nh\u1ecf, hi\u1ec7n nay d\u00f9 \u0111\u1ea7u v\u00e0o cao h\u01a1n \u0111\u1ea7u ra nh\u01b0ng c\u00e1c NH v\u1eabn ph\u1ea3i ch\u1ea1y \u0111ua huy \u0111\u1ed9ng v\u1ed1n v\u00ec th\u01b0\u1eddng cu\u1ed1i n\u0103m nhu c\u1ea7u vay v\u1ed1n t\u0103ng tr\u01b0\u1edfng m\u1ea1nh, c\u1ea7n d\u1ef1 tr\u1eef ngu\u1ed3n v\u1ed1n \u0111\u1ec3 \u0111\u00f3n \u0111\u1ea7u th\u1ecb tr\u01b0\u1eddng.<\/p>\n\n\n\n
M\u1eb7t b\u1eb1ng l\u00e3i su\u1ea5t t\u0103ng trong khi thanh kho\u1ea3n c\u1ee7a c\u00e1c NH t\u01b0\u01a1ng \u0111\u1ed1i \u1ed5n \u0111\u1ecbnh, b\u1edfi NH v\u1eabn ph\u1ea3i s\u1eed d\u1ee5ng ngu\u1ed3n v\u1ed1n ng\u1eafn h\u1ea1n \u0111\u1ec3 cho vay trung v\u00e0 d\u00e0i h\u1ea1n. \u0110\u1ed3ng th\u1eddi, ngu\u1ed3n v\u1ed1n trong n\u01b0\u1edbc c\u00f3 h\u1ea1n nh\u01b0ng Nh\u00e0 n\u01b0\u1edbc c\u0169ng mu\u1ed1n huy \u0111\u1ed9ng, bu\u1ed9c NH ph\u1ea3i t\u0103ng huy \u0111\u1ed9ng, \u0111i\u1ec1u n\u00e0y g\u00e2y \u00e1p l\u1ef1c l\u00ean l\u00e3i su\u1ea5t.<\/p>\n

TS.<\/em>\u00a0Tr\u1ea7n Du L\u1ecbch<\/strong>, Th\u00e0nh vi\u00ean H\u1ed9i \u0111\u1ed3ng T\u01b0 v\u1ea5n ch\u00ednh s\u00e1ch t\u00e0i ch\u00ednh ti\u1ec1n t\u1ec7 qu\u1ed1c gia<\/em><\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n

Nh\u00ecn v\u00e0o b\u00e1o c\u00e1o t\u00e0i ch\u00ednh c\u1ee7a c\u00e1c NHTMCP nh\u1ecf, d\u00f9 huy \u0111\u1ed9ng cao h\u01a1n cho vay nh\u01b0ng ch\u00eanh l\u1ec7ch kh\u00f4ng \u0111\u00e1ng k\u1ec3 so v\u1edbi c\u00e1c NH l\u1edbn. B\u1edfi tr\u00ean th\u1ecb tr\u01b0\u1eddng li\u00ean NH, c\u00e1c NH nh\u1ecf v\u1eabn l\u00e9p v\u1ebf khi h\u1ea7u h\u1ebft giao d\u1ecbch tr\u00ean th\u1ecb tr\u01b0\u1eddng li\u00ean NH di\u1ec5n ra gi\u1eefa c\u00e1c NH l\u1edbn \u0111ang th\u1eeba v\u1ed1n, d\u1eabn \u0111\u1ebfn l\u00e3i su\u1ea5t li\u00ean NH gi\u1ea3m. Trong khi \u0111\u00f3, NH nh\u1ecf kh\u00f3 vay v\u1ed1n h\u01a1n, n\u1ebfu mu\u1ed1n vay ph\u1ea3i \u0111\u00e1p \u1ee9ng m\u1ed9t s\u1ed1 \u0111i\u1ec1u ki\u1ec7n v\u1ec1 t\u00e0i s\u1ea3n th\u1ebf ch\u1ea5p. Do \u0111\u00f3, c\u00e1c NH nh\u1ecf bu\u1ed9c ph\u1ea3i t\u00edch c\u1ef1c huy \u0111\u1ed9ng v\u1ed1n t\u1eeb th\u1ecb tr\u01b0\u1eddng 1, d\u1eabn \u0111\u1ebfn vi\u1ec7c l\u00e3i su\u1ea5t ti\u1ec1n g\u1eedi li\u00ean t\u1ee5c \u0111\u01b0\u1ee3c \u0111i\u1ec1u ch\u1ec9nh t\u0103ng.<\/p>\n

M\u1ed9t chuy\u00ean gia t\u00e0i ch\u00ednh nh\u1eadn \u0111\u1ecbnh, thanh kho\u1ea3n c\u1ee7a h\u1ec7 th\u1ed1ng NH \u0111ang th\u1ec3 hi\u1ec7n s\u1ef1 d\u1ed3i d\u00e0o nh\u01b0ng ch\u1ec9 mang t\u00ednh t\u1ea1m th\u1eddi. Trong nh\u1eefng th\u00e1ng \u0111\u1ea7u n\u0103m, cung ti\u1ec1n M2 t\u0103ng cao v\u00e0 tr\u01b0\u1edbc r\u1ee7i ro l\u1ea1m ph\u00e1t quay tr\u1edf l\u1ea1i, NHNN s\u1ebd c\u00e2n nh\u1eafc v\u00e0 th\u1eadn tr\u1ecdng h\u01a1n trong vi\u1ec7c \u0111i\u1ec1u ti\u1ebft cung ti\u1ec1n. \u00c1p l\u1ef1c l\u1ea1m ph\u00e1t s\u1ebd g\u00e2y s\u1ee9c \u00e9p l\u00ean ngu\u1ed3n v\u1ed1n v\u00e0 l\u00e3i su\u1ea5t huy \u0111\u1ed9ng. H\u01a1n n\u1eefa, nhi\u1ec1u NH c\u0169ng \u0111\u00e3 s\u1eed d\u1ee5ng h\u1ebft h\u1ea1n m\u1ee9c v\u1ed1n ng\u1eafn h\u1ea1n cho vay trung v\u00e0 d\u00e0i h\u1ea1n, ph\u1ea3i \u0111\u1ea9y m\u1ea1nh huy \u0111\u1ed9ng v\u1ed1n \u0111\u1ec3 \u0111\u00e1p \u1ee9ng quy \u0111\u1ecbnh v\u1ec1 t\u1ef7 l\u1ec7 an to\u00e0n ho\u1ea1t \u0111\u1ed9ng. 2 qu\u00fd cu\u1ed1i n\u0103m l\u00e0 th\u1eddi \u0111i\u1ec3m t\u00edn d\u1ee5ng b\u1ee9t ph\u00e1 n\u00ean c\u1ea7n s\u1eb5n s\u00e0ng ngu\u1ed3n v\u1ed1n \u0111\u1ec3 ph\u1ee5c v\u1ee5 nhu c\u1ea7u. B\u1edfi l\u1ebd v\u00ec t\u00edn d\u1ee5ng 6 th\u00e1ng \u0111\u1ea7u n\u0103m \u0111\u00e3 cao h\u01a1n so v\u1edbi c\u00f9ng k\u1ef3 n\u0103m tr\u01b0\u1edbc v\u00e0 d\u1ef1 ki\u1ebfn c\u1ea3 n\u0103m s\u1ebd t\u0103ng m\u1ea1nh.<\/p>\n

B\u00ean c\u1ea1nh \u0111\u00f3, tr\u00e1i phi\u1ebfu ch\u00ednh ph\u1ee7 (TPCP) \u0111ang c\u1ea1nh tranh h\u00fat v\u1ed1n khi k\u1ebf ho\u1ea1ch ph\u00e1t h\u00e0nh \u0111\u01b0\u1ee3c \u0111i\u1ec1u ch\u1ec9nh t\u1eeb 220.000 t\u1ef7 \u0111\u1ed3ng l\u00ean 250.000 t\u1ef7 \u0111\u1ed3ng, trong \u0111\u00f3 t\u1ed5ng m\u1ee9c ph\u00e1t h\u00e0nh TPCP trong qu\u00fd III-2016 l\u00e0 50.000 t\u1ef7 \u0111\u1ed3ng v\u1edbi c\u00e1c k\u1ef3 h\u1ea1n 3-30 n\u0103m. L\u00e3i su\u1ea5t TPCP c\u0169ng \u0111ang c\u00f3 xu h\u01b0\u1edbng t\u0103ng, l\u00e3i su\u1ea5t tr\u00fang th\u1ea7u c\u1ee7a tr\u00e1i phi\u1ebfu trong phi\u00ean \u0111\u1ea5u gi\u00e1 g\u1ea7n nh\u1ea5t \u0111\u1ed1i v\u1edbi k\u1ef3 h\u1ea1n 3 n\u0103m kho\u1ea3ng 5,69-5,7%\/n\u0103m, k\u1ef3 h\u1ea1n 5 n\u0103m 6,1-6,5%\/n\u0103m, 7 n\u0103m 6,62%\/n\u0103m, 15 n\u0103m 7,65%\/n\u0103m, 30 n\u0103m 8%\/n\u0103m. L\u00e3i su\u1ea5t tr\u00fang th\u1ea7u c\u1ee7a tr\u00e1i phi\u1ebfu k\u1ef3 h\u1ea1n 3 n\u0103m t\u0103ng kho\u1ea3ng 0,44%\/n\u0103m; 5 n\u0103m t\u0103ng 0,03%\/n\u0103m. M\u1ed9t kh\u1ed1i l\u01b0\u1ee3ng TPCP k\u1ef3 h\u1ea1n ng\u1eafn ph\u00e1t h\u00e0nh tr\u01b0\u1edbc \u0111\u00e2y c\u0169ng \u0111\u00e3 \u0111\u1ebfn h\u1ea1n \u0111\u1ea3o n\u1ee3, v\u00ec v\u1eady nhu c\u1ea7u h\u00fat v\u1ed1n c\u0169ng gia t\u0103ng theo. Do \u0111\u00f3, c\u00e1c NH v\u1eabn \u0111ang ra s\u1ee9c huy \u0111\u1ed9ng v\u1ed1n, n\u1ebfu kh\u00f4ng cho vay \u0111\u01b0\u1ee3c c\u00f3 th\u1ec3 d\u1ed3n v\u1ed1n \u0111\u1ec3 mua TPCP. Trong b\u1ed1i c\u1ea3nh nh\u01b0 v\u1eady, \u0111\u1ea9y l\u00e3i su\u1ea5t l\u00ean cao l\u00e0 m\u1ed9t trong nh\u1eefng gi\u1ea3i ph\u00e1p c\u1ee7a NH nh\u1ecf \u0111\u1ec3 l\u00f4i k\u00e9o kh\u00e1ch h\u00e0ng.<\/p>\n

Gi\u1ea3m n\u1ee3 x\u1ea5u v\u00e0 t\u00e1i c\u01a1 c\u1ea5u<\/strong><\/p>\n

Theo TS. L\u00ea Xu\u00e2n Ngh\u0129a, th\u00e0nh vi\u00ean H\u1ed9i \u0111\u1ed3ng T\u01b0 v\u1ea5n ch\u00ednh s\u00e1ch t\u00e0i ch\u00ednh ti\u1ec1n t\u1ec7 (CSTCTT) qu\u1ed1c gia, hi\u1ec7n nay Ch\u00ednh ph\u1ee7 mu\u1ed1n gi\u1ea3m l\u00e3i su\u1ea5t \u0111\u1ec3 h\u1ed7 tr\u1ee3 doanh nghi\u1ec7p nh\u01b0ng l\u1ea1i \u0111ang g\u1eb7p kh\u00f3 kh\u0103n v\u1ec1 ngu\u1ed3n l\u1ef1c t\u00e0i ch\u00ednh h\u1ed7 tr\u1ee3. N\u1ebfu l\u00e3i su\u1ea5t kh\u00f4ng \u0111\u01b0\u1ee3c ki\u1ec3m so\u00e1t t\u1ed1t r\u1ea5t c\u00f3 th\u1ec3 t\u0103ng tr\u1edf l\u1ea1i. B\u00ean c\u1ea1nh \u0111\u00f3, gi\u00e1 c\u00e1c m\u1eb7t h\u00e0ng c\u01a1 b\u1ea3n \u0111ang c\u00f3 d\u1ea5u hi\u1ec7u ph\u1ee5c h\u1ed3i, \u0111\u1ed3ng th\u1eddi gi\u00e1 d\u1ecbch v\u1ee5 y t\u1ebf, gi\u00e1o d\u1ee5c chu\u1ea9n b\u1ecb t\u0103ng tr\u1edf l\u1ea1i. Do v\u1eady khi l\u00e3i su\u1ea5t TPCP gi\u1ea3m v\u1ec1 m\u1ee9c th\u1ea5p, l\u00e3i su\u1ea5t li\u00ean NH trong ng\u1eafn h\u1ea1n c\u00f3 th\u1ec3 duy tr\u00ec \u1edf m\u1ee9c th\u1ea5p. Song v\u1ec1 d\u00e0i h\u1ea1n c\u1ea7n ph\u1ea3i t\u00edch c\u1ef1c gi\u1ea3m n\u1ee3 x\u1ea5u, v\u00ec \u0111\u00e2y l\u00e0 m\u1ed9t trong nh\u1eefng nguy\u00ean nh\u00e2n khi\u1ebfn chi ph\u00ed ho\u1ea1t \u0111\u1ed9ng tr\u00ean t\u1ed5ng chi ph\u00ed c\u1ee7a NH t\u0103ng, l\u00e0m cho kh\u1ea3 n\u0103ng ch\u1ed1ng \u0111\u1ee1 r\u1ee7i ro c\u1ee7a NH y\u1ebfu \u0111i v\u00e0 \u0111\u1ea9y l\u00e3i su\u1ea5t t\u0103ng cao.<\/p>\n

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

Thay v\u00ec \u00e1p d\u1ee5ng d\u1ef1 th\u1ea3o s\u1eeda \u0111\u1ed5i Th\u00f4ng t\u01b0 36, NHNN \u0111\u00e3 ban h\u00e0nh Th\u00f4ng t\u01b0 06 v\u1edbi l\u1ed9 tr\u00ecnh k\u00e9o gi\u00e3n ra \u0111\u1ec3 c\u00e1c TCTD c\u00f3 s\u1ef1 chu\u1ea9n b\u1ecb. \u0110\u1ed3ng th\u1eddi, NHNN c\u0169ng \u0111\u00e3 c\u00f3 ch\u1ec9 \u0111\u1ea1o c\u00e1c NHTM \u1ed5n \u0111\u1ecbnh l\u00e3i su\u1ea5t th\u1ecb tr\u01b0\u1eddng v\u00e0 gi\u1ea3m l\u00e3i su\u1ea5t cho vay. \u0110\u00e1nh gi\u00e1 v\u1ec1 \u0111i\u1ec1u h\u00e0nh c\u1ee7a NHNN, TS. Tr\u1ea7n Du L\u1ecbch cho r\u1eb1ng trong 6 th\u00e1ng \u0111\u1ea7u n\u0103m, ng\u00e0nh NH \u0111\u00e3 c\u1ed1 g\u1eafng gi\u1eef l\u00e3i su\u1ea5t cho vay kh\u00f4ng t\u0103ng trong khi l\u00e3i su\u1ea5t huy \u0111\u1ed9ng li\u00ean t\u1ee5c t\u0103ng l\u00e0 nhi\u1ec7m v\u1ee5 r\u1ea5t kh\u00f3 nh\u01b0ng \u0111\u00e3 th\u1ef1c hi\u1ec7n \u0111\u01b0\u1ee3c. K\u1ef3 v\u1ecdng trong hi\u1ec7n t\u1ea1i \u0111\u1ed1i v\u1edbi NHNN l\u00e0 kh\u00f4ng \u0111\u1ec3 t\u0103ng l\u00e3i su\u1ea5t, c\u00f2n n\u1ebfu mu\u1ed1n gi\u1ea3m l\u00e3i su\u1ea5t \u0111\u00f2i h\u1ecfi ph\u1ea3i c\u00f3 s\u1ef1 \u0111\u1ed3ng b\u1ed9 c\u1ee7a th\u1ecb tr\u01b0\u1eddng ti\u1ec1n t\u1ec7, t\u1ee9c NHTM v\u00e0 th\u1ecb tr\u01b0\u1eddng ch\u1ee9ng kho\u00e1n, th\u1ecb tr\u01b0\u1eddng v\u1ed1n ph\u00e1t tri\u1ec3n \u0111\u1ec3 gi\u1ea3m \u00e1p l\u1ef1c v\u1ec1 v\u1ed1n trung v\u00e0 d\u00e0i h\u1ea1n. Trong khi \u0111\u00f3, chuy\u00ean gia t\u00e0i ch\u00ednh C\u1ea5n V\u0103n L\u1ef1c nh\u1eadn \u0111\u1ecbnh, \u0111\u1ee3t t\u0103ng l\u00e3i su\u1ea5t v\u1eeba qua xu\u1ea5t ph\u00e1t \u1edf c\u00e1c NH nh\u1ecf. V\u00ec th\u1ebf, \u0111\u1ec3 tr\u00e1nh c\u00e1c cu\u1ed9c \u0111ua l\u00e3i su\u1ea5t c\u1ea7n ti\u1ebfp t\u1ee5c t\u00e1i c\u01a1 c\u1ea5u nh\u1eefng NH nh\u1ecf \u0111\u1ec3 \u0111\u1ea3m b\u1ea3o an to\u00e0n cho h\u1ec7 th\u1ed1ng, \u0111\u1ea3m b\u1ea3o l\u00e3i su\u1ea5t huy \u0111\u1ed9ng c\u0169ng nh\u01b0 cho vay tr\u00ean th\u1ecb tr\u01b0\u1eddng tr\u00e1nh \u0111\u01b0\u1ee3c hi\u1ec7n t\u01b0\u1ee3ng c\u1ea1nh tranh thi\u1ebfu l\u00e0nh m\u1ea1nh.<\/p>\n

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Gi\u1ea3m thu\u1ebf – C\u1ea7n nh\u01b0ng ch\u01b0a \u0111\u1ee7<\/strong><\/p>\n

H\u00e0 My<\/strong><\/p>\n

Trong khi B\u1ed9 K\u1ebf ho\u1ea1ch – \u0110\u1ea7u t\u01b0 (KH-\u0110T) \u0111ang d\u1ef1 th\u1ea3o Lu\u1eadt H\u1ed7 tr\u1ee3 doanh nghi\u1ec7p nh\u1ecf v\u00e0 v\u1eeba (DNNVV), B\u1ed9 T\u00e0i ch\u00ednh c\u0169ng \u0111\u1ed3ng th\u1eddi d\u1ef1 th\u1ea3o ngh\u1ecb quy\u1ebft c\u1ee7a Qu\u1ed1c h\u1ed9i v\u1ec1 m\u1ed9t s\u1ed1 gi\u1ea3i ph\u00e1p th\u00e1o g\u1ee1 kh\u00f3 kh\u0103n cho DN. \u0110i\u1ec3m chung 2 v\u0103n b\u1ea3n n\u00e0y h\u01b0\u1edbng t\u1edbi l\u00e0 h\u1ed7 tr\u1ee3 DN, song c\u00e1ch nh\u00ecn nh\u1eadn c\u1ee7a 2 c\u01a1 quan v\u1ec1 h\u1ed7 tr\u1ee3 DN l\u1ea1i \u0111ang c\u00f3 \u0111i\u1ec3m v\u00eanh nh\u1ea5t \u0111\u1ecbnh.<\/p>\n

2 b\u1ed9 2 ti\u00eau ch\u00ed h\u1ed7 tr\u1ee3<\/strong><\/p>\n

Ti\u00eau ch\u00ed x\u00e1c \u0111\u1ecbnh DNNVV \u0111\u01b0\u1ee3c B\u1ed9 KH-\u0110T \u0111\u01b0a ra l\u00e0 DN c\u00f3 doanh thu b\u00e1n h\u00e0ng v\u00e0 cung c\u1ea5p d\u1ecbch v\u1ee5 c\u1ee7a n\u0103m tr\u01b0\u1edbc li\u1ec1n k\u1ec1 kh\u00f4ng v\u01b0\u1ee3t qu\u00e1 100 t\u1ef7 \u0111\u1ed3ng, ho\u1eb7c lao \u0111\u1ed9ng b\u00ecnh qu\u00e2n c\u1ee7a n\u0103m tr\u01b0\u1edbc li\u1ec1n k\u1ec1 kh\u00f4ng qu\u00e1 300 ng\u01b0\u1eddi. L\u1eadp lu\u1eadn c\u1ee7a b\u1ed9 n\u00e0y v\u1ec1 nguy\u00ean t\u1eafc h\u1ed7 tr\u1ee3 DNNVV l\u00e0 “c\u00f3 ch\u1ecdn l\u1ecdc, ph\u00f9 h\u1ee3p v\u1edbi m\u1ee5c ti\u00eau v\u00e0 \u0111\u1ecbnh h\u01b0\u1edbng ph\u00e1t tri\u1ec3n kinh t\u1ebf c\u1ee7a \u0111\u1ea5t n\u01b0\u1edbc, l\u1ee3i th\u1ebf c\u1ee7a t\u1eebng \u0111\u1ecba ph\u01b0\u01a1ng v\u00e0 ngu\u1ed3n l\u1ef1c c\u1ee7a qu\u1ed1c gia trong t\u1eebng th\u1eddi k\u1ef3”. Vi\u1ec7c h\u1ed7 tr\u1ee3 th\u00f4ng qua c\u1ea3i thi\u1ec7n m\u00f4i tr\u01b0\u1eddng kinh doanh, c\u1ea3i c\u00e1ch h\u00e0nh ch\u00ednh; h\u1ed7 tr\u1ee3 ti\u1ebfp c\u1eadn t\u00edn d\u1ee5ng t\u1ea1i NHTM; h\u1ed7 tr\u1ee3 ti\u1ebfp c\u1eadn t\u00edn d\u1ee5ng t\u1ea1i qu\u1ef9 v\u00e0 c\u00e1c \u0111\u1ecbnh ch\u1ebf t\u00e0i ch\u00ednh kh\u00e1c; h\u1ed7 tr\u1ee3 thu\u1ebf thu nh\u1eadp DN (gi\u1ea3m 5% so v\u1edbi m\u1ee9c thu\u1ebf su\u1ea5t ph\u1ed5 th\u00f4ng trong 5 n\u0103m)…<\/p>\n

Trong khi \u0111\u00f3, \u0111\u1ed1i t\u01b0\u1ee3ng B\u1ed9 T\u00e0i ch\u00ednh h\u01b0\u1edbng t\u1edbi h\u1ed7 tr\u1ee3 gi\u1ea3m thu\u1ebf thu nh\u1eadp DN c\u00f2n 17% (hi\u1ec7n 20%) trong giai \u0111o\u1ea1n 2017-2020 l\u00e0\u00a0 c\u00e1c DN c\u00f3 doanh thu n\u0103m tr\u01b0\u1edbc li\u1ec1n k\u1ec1 d\u01b0\u1edbi 20 t\u1ef7 \u0111\u1ed3ng. L\u00fd do \u0111\u01b0\u1ee3c b\u1ed9 n\u00e0y \u0111\u01b0a ra l\u00e0 n\u1ebfu l\u1ea5y theo doanh thu n\u0103m tr\u01b0\u1edbc li\u1ec1n k\u1ec1 t\u1ed1i \u0111a 20 t\u1ef7 \u0111\u1ed3ng, s\u1ebd c\u00f3 kho\u1ea3ng 86% DN thu\u1ed9c \u0111\u1ed1i t\u01b0\u1ee3ng h\u1ed7 tr\u1ee3 v\u00e0 ng\u00e2n s\u00e1ch gi\u1ea3m thu g\u1ea7n 500 t\u1ef7 \u0111\u1ed3ng\/n\u0103m. C\u00f2n l\u1ea5y ti\u00eau ch\u00ed doanh thu n\u0103m tr\u01b0\u1edbc li\u1ec1n k\u1ec1 100 t\u1ef7 \u0111\u1ed3ng (nh\u01b0 ti\u00eau ch\u00ed c\u1ee7a B\u1ed9 KH-\u0110T), \u0111\u1ed1i t\u01b0\u1ee3ng th\u1ee5 h\u01b0\u1edfng s\u1ebd t\u0103ng l\u00ean v\u1edbi t\u1ef7 l\u1ec7 kho\u1ea3ng 95% DN \u0111\u01b0\u1ee3c gi\u1ea3m thu\u1ebf v\u00e0 ng\u00e2n s\u00e1ch gi\u1ea3m thu kho\u1ea3ng 1.500 t\u1ef7 \u0111\u1ed3ng\/n\u0103m.<\/p>\n

Theo c\u00e1c chuy\u00ean gia, kh\u00f4ng n\u00ean h\u1ed7 tr\u1ee3 cho nh\u00f3m DN v\u1eeba ho\u1eb7c ch\u1ec9 h\u1ed7 tr\u1ee3 m\u1ed9t ph\u1ea7n nh\u1ecf, ngo\u1ea1i tr\u1eeb m\u1ed9t s\u1ed1 l\u0129nh v\u1ef1c ho\u1eb7c tr\u01b0\u1eddng h\u1ee3p \u0111\u1eb7c bi\u1ec7t, v\u00ec \u0111\u00e2y l\u00e0 nh\u00f3m \u1edf gi\u1eefa t\u01b0\u01a1ng \u0111\u1ed1i b\u00ecnh th\u01b0\u1eddng. M\u1ed9t l\u00fd do n\u1eefa kh\u00f4ng n\u00ean h\u1ed7 tr\u1ee3 DN v\u1eeba d\u1eabn \u0111\u1ebfn t\u00e1c d\u1ee5ng ng\u01b0\u1ee3c, b\u1ea5t l\u1ee3i cho s\u1ef1 ph\u00e1t tri\u1ec3n c\u1ee7a n\u1ec1n kinh t\u1ebf, v\u00ec DN v\u1eeba thu\u1ed9c lo\u1ea1i l\u1edbn nh\u1ea5t c\u0169ng \u0111\u01b0\u1ee3c h\u1ed7 tr\u1ee3 gi\u1ed1ng nh\u01b0 nh\u00f3m DN nh\u1ecf nh\u1ea5t. X\u00e9t v\u1ec1 nguy\u00ean t\u1eafc h\u1ed7 tr\u1ee3 DNNVV, \u0111\u1eb7c bi\u1ec7t l\u00e0 DN nh\u1ecf l\u00e0 \u0111i\u1ec1u c\u1ea7n l\u00e0m v\u00e0 h\u1ea7u nh\u01b0 c\u00e1c n\u01b0\u1edbc \u0111\u1ec1u c\u00f3 ch\u00ednh s\u00e1ch h\u1ed7 tr\u1ee3, b\u1edfi \u0111\u00e2y l\u00e0 \u0111\u1ed1i t\u01b0\u1ee3ng g\u1eb7p nhi\u1ec1u kh\u00f3 kh\u0103n do quy m\u00f4 nh\u1ecf. Tuy nhi\u00ean quan \u0111i\u1ec3m c\u1ee7a B\u1ed9 KH-\u0110T l\u00e0 h\u1ed7 tr\u1ee3 c\u1ea3 DN v\u1eeba c\u00f3 l\u1ebd l\u00e0 \u0111i\u1ec1u h\u1ee3p l\u00fd, b\u1edfi l\u1ebd DN v\u1eeba \u1edf Vi\u1ec7t Nam so v\u1edbi c\u00e1c DN c\u1ee7a khu v\u1ef1c v\u00e0 th\u1ebf gi\u1edbi qu\u00e1 nh\u1ecf b\u00e9.<\/p>\n

Kh\u1ea3o s\u00e1t t\u1eeb Ph\u00f2ng Th\u01b0\u01a1ng m\u1ea1i – C\u00f4ng nghi\u1ec7p Vi\u1ec7t Nam (VCCI) cho th\u1ea5y DN Vi\u1ec7t Nam \u0111ang ng\u00e0y c\u00e0ng teo t\u00f3p l\u1ea1i. C\u1ee5 th\u1ec3, giai \u0111o\u1ea1n 2007-2015, t\u1ed5ng ngu\u1ed3n v\u1ed1n c\u1ee7a c\u00e1c DN trong n\u1ec1n kinh t\u1ebf \u0111\u00e3 t\u0103ng g\u1ea7n 5 l\u1ea7n so v\u1edbi n\u0103m 2007, nh\u01b0ng\u00a0 s\u1ed1 lao \u0111\u1ed9ng b\u00ecnh qu\u00e2n trong DN l\u1ea1i gi\u1ea3m t\u1eeb 49 lao \u0111\u1ed9ng (n\u0103m 2007) xu\u1ed1ng c\u00f2n 29 lao \u0111\u1ed9ng (n\u0103m 2015), t\u01b0\u01a1ng \u0111\u01b0\u01a1ng v\u1edbi quy m\u00f4 c\u1ee7a m\u1ed9t DN nh\u1ecf. T\u1ef7 tr\u1ecdng DN nh\u1ecf v\u00e0 si\u00eau nh\u1ecf trong n\u1ec1n kinh t\u1ebf ng\u00e0y c\u00e0ng t\u0103ng \u0111ang khi\u1ebfn nhi\u1ec1u ng\u01b0\u1eddi b\u0103n kho\u0103n khi Vi\u1ec7t Nam ng\u00e0y c\u00e0ng h\u1ed9i nh\u1eadp s\u00e2u trong th\u1eddi gian t\u1edbi.<\/p>\n

C\u00f2n v\u1edbi B\u1ed9 T\u00e0i ch\u00ednh, s\u1ef1 lo ng\u1ea1i m\u1edf r\u1ed9ng \u0111\u1ed1i t\u01b0\u1ee3ng h\u1ed7 tr\u1ee3 s\u1ebd khi\u1ebfn gi\u1ea3m thu ng\u00e2n s\u00e1ch l\u1edbn c\u0169ng l\u00e0 h\u1ee3p l\u00fd, khi thu ng\u00e2n s\u00e1ch hi\u1ec7n nay \u0111ang r\u1ea5t kh\u00f3 kh\u0103n v\u00e0 s\u1eafp t\u1edbi s\u1ebd \u0111\u1ed1i m\u1eb7t v\u1edbi nh\u1eefng th\u00e1ch th\u1ee9c khi thu\u1ebf su\u1ea5t c\u1eaft gi\u1ea3m theo l\u1ed9 tr\u00ecnh h\u1ed9i nh\u1eadp. Th\u1ebf nh\u01b0ng, x\u00e9t m\u1ed9t c\u00e1ch t\u1ed5ng th\u1ec3, ch\u00ednh s\u00e1ch thu\u1ebf ch\u1ec9 l\u00e0 m\u1ed9t ph\u1ea7n trong b\u00e0i to\u00e1n h\u1ed7 tr\u1ee3 DN. Theo \u0111\u00f3, n\u1ebfu DN kh\u00f4ng ph\u00e1t tri\u1ec3n s\u1ebd k\u00e9o theo n\u0103ng l\u1ef1c c\u1ea1nh tranh gi\u1ea3m, t\u1eeb \u0111\u00f3 thu ng\u00e2n s\u00e1ch c\u0169ng b\u1ecb \u1ea3nh h\u01b0\u1edfng.<\/p>\n\n\n\n
H\u1ed7 tr\u1ee3 DN v\u1eeba, trong \u0111\u00f3 c\u00f3 vi\u1ec7c gi\u1ea3m thu\u1ebf thu nh\u1eadp DN s\u1ebd \u0111\u1ed3ng ngh\u0129a v\u1edbi vi\u1ec7c khuy\u1ebfn kh\u00edch DN gi\u1eef nguy\u00ean \u1edf quy m\u00f4 DN v\u1eeba \u0111\u1ec3 h\u01b0\u1edfng nhi\u1ec1u \u01b0u \u0111\u00e3i, kh\u00f4ng ph\u00e1t tri\u1ec3n \u0111\u01b0\u1ee3c c\u00e1c DN l\u1edbn m\u1ea1nh. \u0110i\u1ec1u n\u00e0y c\u0169ng c\u00f3 ngh\u0129a \u0111i ng\u01b0\u1ee3c tinh th\u1ea7n Ngh\u1ecb quy\u1ebft 35 c\u1ee7a Ch\u00ednh ph\u1ee7 v\u1ec1 h\u1ed7 tr\u1ee3 v\u00e0 ph\u00e1t tri\u1ec3n DN \u0111\u1ebfn n\u0103m 2020, v\u1edbi m\u1ee5c ti\u00eau x\u00e2y d\u1ef1ng c\u00e1c DN c\u00f3 quy m\u00f4 l\u1edbn, ngu\u1ed3n l\u1ef1c m\u1ea1nh.<\/em><\/p>\n

Lu\u1eadt s\u01b0<\/em>\u00a0<\/em>Tr\u01b0\u01a1ng Thanh \u0110\u1ee9c<\/em><\/strong>, Gi\u00e1m \u0111\u1ed1c C\u00f4ng ty Lu\u1eadt ANVI<\/em><\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n

Quan tr\u1ecdng c\u1ea3i c\u00e1ch th\u1ee7 t\u1ee5c<\/strong><\/p>\n

C\u00e2u h\u1ecfi \u0111\u1eb7t ra hi\u1ec7n nay l\u00e0 DN c\u1ea7n g\u00ec nh\u1ea5t? C\u00e2u tr\u1ea3 l\u1eddi kh\u00f4ng h\u1eb3n l\u00e0 thu\u1ebf, d\u00f9 \u0111i\u1ec1u \u0111\u00f3 r\u1ea5t quan tr\u1ecdng. Trong nhi\u1ec1u h\u1ed9i th\u1ea3o do VCCI t\u1ed5 ch\u1ee9c, kh\u00f4ng \u00edt l\u1ea7n DN b\u00e0y t\u1ecf quan tr\u1ecdng nh\u1ea5t v\u1edbi h\u1ecd l\u00e0 c\u1ea3i thi\u1ec7n m\u00f4i tr\u01b0\u1eddng kinh doanh, c\u1ea3i c\u00e1ch h\u00e0nh ch\u00ednh, b\u1edfi \u0111\u00e2y ch\u00ednh l\u00e0 \u0111i\u1ec1u khi\u1ebfn DN m\u1ea5t nhi\u1ec1u nh\u1ea5t. R\u00f2ng r\u00e3 trong 10 n\u0103m \u0111i\u1ec1u tra v\u00e0 c\u00f4ng b\u1ed1 Ch\u1ec9 s\u1ed1 n\u0103ng l\u1ef1c c\u1ea1nh tranh c\u1ea5p t\u1ec9nh (PCI), h\u1ea7u nh\u01b0 n\u0103m n\u00e0o c\u00e2u chuy\u1ec7n v\u1ec1 chi ph\u00ed kh\u00f4ng ch\u00ednh th\u1ee9c c\u0169ng \u0111\u01b0\u1ee3c \u0111\u1ec1 c\u1eadp. Chi ph\u00ed b\u00f4i tr\u01a1n n\u00e0y l\u00e0 m\u1ed9t ph\u1ea7n c\u1ee7a nh\u1eefng quy \u0111\u1ecbnh, th\u1ee7 t\u1ee5c h\u00e0nh ch\u00ednh kh\u00f4ng r\u00f5 r\u00e0ng, minh b\u1ea1ch v\u00e0 l\u00e0 c\u01a1 h\u1ed9i \u0111\u1ec3 m\u1ed9t b\u1ed9 ph\u1eadn c\u00f4ng ch\u1ee9c, vi\u00ean ch\u1ee9c h\u00e0nh DN.<\/p>\n

S\u1ed1 li\u1ec7u \u0111i\u1ec1u tra c\u00f4ng b\u1ed1 t\u1eeb PCI \u0111\u00e3 cho th\u1ea5y r\u00f5 nh\u1eefng g\u00e1nh n\u1eb7ng chi ph\u00ed kh\u00f4ng t\u00ean n\u00e0y: t\u1ef7 l\u1ec7 DN cho bi\u1ebft chi tr\u1ea3 chi ph\u00ed n\u00e0y t\u0103ng qua c\u00e1c n\u0103m, t\u1eeb 50% (2013), l\u00ean t\u1edbi 64,5% (2014) v\u00e0 66% (2015); h\u01a1n 11% DN tham gia \u0111i\u1ec1u tra cho bi\u1ebft c\u00e1c kho\u1ea3n chi cho ri\u00eang ph\u00ed b\u00f4i tr\u01a1n chi\u1ebfm t\u1edbi h\u01a1n 10% t\u1ed5ng doanh thu c\u1ee7a DN. Nh\u1eefng con s\u1ed1 bi\u1ebft n\u00f3i n\u00e0y cho th\u1ea5y, vi\u1ec7c h\u1ed7 tr\u1ee3 DN kh\u00f4ng ch\u1ec9 d\u1eebng l\u1ea1i \u1edf vi\u1ec7c gi\u1ea3m thu\u1ebf \u0111\u1ec3 r\u1ed3i t\u00ednh to\u00e1n ng\u00e2n s\u00e1ch s\u1ebd gi\u1ea3m thu bao nhi\u00eau… m\u00e0 \u0111i\u1ec1u quan tr\u1ecdng nh\u1ea5t l\u00e0 c\u1ea3i c\u00e1ch c\u00e1c th\u1ee7 t\u1ee5c h\u00e0nh ch\u00ednh li\u00ean quan. B\u1edfi ch\u00ednh nh\u1eefng chi ph\u00ed b\u00f4i tr\u01a1n n\u00e0y \u0111\u00e3 l\u00e0m cho gi\u00e1 th\u00e0nh s\u1ea3n ph\u1ea9m c\u1ee7a DN b\u1ecb \u0111\u1ed9i l\u00ean, n\u0103ng l\u1ef1c c\u1ea1nh tranh DN y\u1ebfu \u0111i, kh\u00f3 ph\u00e1t tri\u1ec3n, t\u1eeb \u0111\u00f3 s\u1ed1 n\u1ed9p ng\u00e2n s\u00e1ch s\u1ebd kh\u00f4ng nhi\u1ec1u, th\u1eadm ch\u00ed nhi\u1ec1u DN gi\u1ea3i th\u1ec3, ph\u00e1 s\u1ea3n v\u00ec c\u00e1c lo\u1ea1i chi ph\u00ed kh\u00f4ng ch\u00ednh th\u1ee9c.<\/p>\n

B\u00e1o c\u00e1o PCI n\u0103m 2015 \u0111\u01b0\u1ee3c c\u00f4ng b\u1ed1 v\u1eeba qua c\u0169ng \u0111\u00e3 ch\u1ec9 ra nh\u1eefng nguy\u00ean nh\u00e2n khi\u1ebfn DNNVV ng\u1ea1i l\u1edbn. \u0110\u00f3 l\u00e0 vi\u1ec7c thanh, ki\u1ec3m tra khi n\u0103m g\u1ea7n nh\u1ea5t c\u00f3 74% DN t\u1eebng \u0111\u00f3n ti\u1ebfp c\u00e1c \u0111o\u00e0n thanh ki\u1ec3m tra trong t\u1ea5t c\u1ea3 l\u0129nh v\u1ef1c. DN c\u00f3 quy m\u00f4 c\u00e0ng l\u1edbn, g\u00e1nh n\u1eb7ng v\u1ec1 thanh ki\u1ec3m tra c\u00e0ng cao. Theo \u0111\u00f3, DNNVV ph\u1ea3i ti\u1ebfp \u0111\u00f3n 1-2 cu\u1ed9c thanh ki\u1ec3m tra trong n\u0103m. DN quy m\u00f4 l\u1edbn con s\u1ed1 n\u00e0y l\u00e0 kho\u1ea3ng 3 cu\u1ed9c. Ngo\u00e0i ra, 25% DN si\u00eau nh\u1ecf, DN nh\u1ecf v\u00e0 30% DN v\u1eeba cho bi\u1ebft n\u1ed9i dung thanh ki\u1ec3m tra b\u1ecb tr\u00f9ng l\u1eb7p. Kh\u00f4ng nh\u1eefng v\u1eady, \u1edf th\u1ee7 t\u1ee5c h\u00e0nh ch\u00ednh 54% DN si\u00eau nh\u1ecf v\u00e0 49% DN nh\u1ecf \u0111\u1ed3ng \u00fd v\u1edbi nh\u1eadn \u0111\u1ecbnh \u201cth\u1ee7 t\u1ee5c gi\u1ea5y t\u1edd l\u00e0 \u0111\u01a1n gi\u1ea3n\u201d. C\u00e1c th\u1ee7 t\u1ee5c h\u00e0nh ch\u00ednh v\u1ec1 b\u1ea3o hi\u1ec3m x\u00e3 h\u1ed9i, \u0111\u1ea5t \u0111ai, h\u1ea3i quan, an to\u00e0n ch\u00e1y n\u1ed5, lao \u0111\u1ed9ng, b\u1ea3o v\u1ec7 m\u00f4i tr\u01b0\u1eddng, thanh to\u00e1n qua kho b\u1ea1c nh\u1eefng l\u0129nh v\u1ef1c t\u1ef7 l\u1ec7 DN th\u1ea5y phi\u1ec1n h\u00e0 gia t\u0103ng theo quy m\u00f4 c\u1ee7a DN. \u0110\u1eb7t trong th\u1ef1c t\u1ebf \u0111\u00f3, nh\u01b0 l\u1ef1a ch\u1ecdn DN n\u00e0o \u0111\u01b0\u1ee3c h\u1ed7 tr\u1ee3 gi\u1ea3m thu\u1ebf, DN n\u00e0o kh\u00f4ng, c\u00f3 v\u1ebb l\u1ea1i kh\u00f4ng qu\u00e1 quan tr\u1ecdng.<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n

 <\/p>\n

Y\u00ean Lam<\/strong><\/p>\n

——————————-<\/p>\n

S\u00e0i G\u00f2n \u0110\u1ea7u t\u01b0 T\u00e0i ch\u00ednh 08-08-2016:<\/em><\/strong><\/p>\n

http:\/\/www.saigondautu.com.vn\/pages\/20160806\/nghich-ly-thanh-khoan-va-lai-suat.aspx<\/a><\/em><\/p>\n

(92\/3.399)<\/em>","protected":false},"excerpt":{"rendered":"

(SG\u0110TTC) – Thanh kho\u1ea3n c\u1ee7a h\u1ec7 th\u1ed1ng ng\u00e2n h\u00e0ng (NH) t\u1eeb \u0111\u1ea7u n\u0103m \u0111\u1ebfn nay kh\u00e1 d\u1ed3i d\u00e0o khi huy \u0111\u1ed9ng v\u1ed1n t\u0103ng cao h\u01a1n so v\u1edbi d\u01b0 n\u1ee3 c\u00f9ng m\u1ed9t l\u01b0\u1ee3ng ti\u1ec1n l\u1edbn \u0111\u01b0\u1ee3c NHNN b\u01a1m ra n\u1ec1n kinh t\u1ebf. Tuy nhi\u00ean, l\u00e3i su\u1ea5t huy \u0111\u1ed9ng l\u1ea1i di\u1ec5n bi\u1ebfn tr\u00e1i chi\u1ec1u v\u1edbi thanh kho\u1ea3n […]<\/p>\n","protected":false},"author":3,"featured_media":29135,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":""},"categories":[17,26],"tags":[],"class_list":["post-29134","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-binh-luan-gop-y","category-legal-media"],"acf":[],"yoast_head":"\n981. 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