{"id":30223,"date":"2014-11-18T10:46:07","date_gmt":"2014-11-18T03:46:07","guid":{"rendered":"https:\/\/anvilaw.com\/vi\/?p=30223"},"modified":"2022-06-27T10:51:23","modified_gmt":"2022-06-27T03:51:23","slug":"610-nang-cao-kha-nang-tiep-can-von-cua-cac-dnnvv","status":"publish","type":"post","link":"https:\/\/anvilaw.com\/vi\/610-nang-cao-kha-nang-tiep-can-von-cua-cac-dnnvv\/","title":{"rendered":"610. N\u00e2ng cao kh\u1ea3 n\u0103ng ti\u1ebfp c\u1eadn v\u1ed1n c\u1ee7a c\u00e1c DNNVV"},"content":{"rendered":"(D\u0110DN) \u2013 \u201cKh\u00f4ng c\u00f3 t\u00e0i s\u1ea3n \u0111\u1ea3m b\u1ea3o, nh\u01b0ng n\u1ebfu c\u00f3 ph\u01b0\u01a1ng \u00e1n kinh doanh kh\u1ea3 thi, c\u00e1c DNNVV ho\u00e0n to\u00e0n c\u00f3 th\u1ec3 ti\u1ebfp c\u1eadn ngu\u1ed3n v\u1ed1n vay \u01b0u \u0111\u00e3i t\u1eeb c\u00e1c ng\u00e2n h\u00e0ng c\u0169ng nh\u01b0 c\u00e1c qu\u1ef9 \u0111\u1ea7u t\u01b0\u201d. \u0110\u00e2y l\u00e0 kh\u1eb3ng \u0111\u1ecbnh c\u1ee7a \u0111\u1ea1i di\u1ec7n Hi\u1ec7p h\u1ed9i DNNVV Vi\u1ec7t Nam t\u1ea1i H\u1ed9i th\u1ea3o \u201cN\u00e2ng cao kh\u1ea3 n\u0103ng ti\u1ebfp c\u1eadn v\u1ed1n c\u1ee7a c\u00e1c DNNVV trong b\u1ed1i c\u1ea3nh Vi\u1ec7t Nam h\u1ed9i nh\u1eadp C\u1ed9ng \u0111\u1ed3ng Kinh t\u1ebf ASEAN 2015\u201d, v\u1eeba di\u1ec5n ra s\u00e1ng 18\/11 t\u1ea1i H\u00e0 N\u1ed9i.<\/strong><\/p>\n

H\u1ed9i th\u1ea3o do Vi\u1ec7n Nh\u00e2n l\u1ef1c Ng\u00e2n h\u00e0ng T\u00e0i ch\u00ednh BTCI v\u00e0 Trung t\u00e2m Ph\u00e1p Vi\u1ec7t \u0111\u00e0o t\u1ea1o v\u1ec1 qu\u1ea3n l\u00fd CFVG t\u1ed5 ch\u1ee9c nh\u1eb1m gi\u00fap c\u00e1c DNNVV c\u00f3 th\u1ec3 ti\u1ebfp c\u1eadn \u0111\u01b0\u1ee3c ngu\u1ed3n v\u1ed1n t\u1eeb ng\u00e2n h\u00e0ng, c\u00e1c qu\u1ef9 \u0111\u1ea7u t\u01b0 \u0111\u1ec3 mang l\u1ea1i hi\u1ec7u qu\u1ea3 s\u1ea3n xu\u1ea5t kinh doanh t\u1ed1t nh\u1ea5t.<\/p>\n

\"\"<\/em><\/p>\n

C\u00e1c v\u1ecb di\u1ec5n gi\u1ea3 tham d\u1ef1 H\u1ed9i th\u1ea3o<\/em><\/p>\n

Ph\u00e1t bi\u1ec3u t\u1ea1i h\u1ed9i th\u1ea3o, \u00f4ng K.Balasingam – T\u1ed5ng Gi\u00e1m \u0111\u1ed1c Vi\u1ec7n Nh\u00e2n l\u1ef1c Ng\u00e2n h\u00e0ng T\u00e0i ch\u00ednh BTCI cho bi\u1ebft, trong c\u1ed9ng \u0111\u1ed3ng DN Vi\u1ec7t Nam th\u00ec DNNVV l\u00e0 lo\u1ea1i h\u00ecnh DN chi\u1ebfm \u0111a s\u1ed1 v\u00e0 ch\u1ee7 y\u1ebfu trong n\u1ec1n kinh t\u1ebf. Lo\u1ea1i h\u00ecnh DN n\u00e0y \u0111\u00f3ng vai tr\u00f2 quan tr\u1ecdng, nh\u1ea5t l\u00e0 t\u1ea1o vi\u1ec7c l\u00e0m, t\u0103ng thu nh\u1eadp cho ng\u01b0\u1eddi lao \u0111\u1ed9ng, gi\u00fap huy \u0111\u1ed9ng c\u00e1c ngu\u1ed3n l\u1ef1c x\u00e3 h\u1ed9i cho \u0111\u1ea7u t\u01b0, ph\u00e1t tri\u1ec3n, x\u00f3a \u0111\u00f3i, gi\u1ea3m ngh\u00e8o. C\u1ee5 th\u1ec3, v\u1ec1 lao \u0111\u1ed9ng, h\u00e0ng n\u0103m, DNNVV t\u1ea1o th\u00eam 500.000 lao \u0111\u1ed9ng m\u1edbi, s\u1eed d\u1ee5ng t\u1edbi 51% lao \u0111\u1ed9ng x\u00e3 h\u1ed9i v\u00e0 \u0111\u00f3ng g\u00f3p h\u01a1n 40% GDP\u2026 Tuy nhi\u00ean, trong th\u1eddi \u0111i\u1ec3m hi\u1ec7n t\u1ea1i, c\u1ed9ng \u0111\u1ed3ng DNNVV v\u1eabn g\u1eb7p ph\u1ea3i m\u1ed9t s\u1ed1 h\u1ea1n ch\u1ebf c\u1ed1 h\u1eefu nh\u01b0 kh\u00f3 kh\u0103n trong ti\u1ebfp c\u1eadn ch\u00ednh s\u00e1ch, \u01b0u \u0111\u00e3i, m\u1eb7t b\u1eb1ng s\u1ea3n xu\u1ea5t v\u00e0 \u0111\u1eb7c bi\u1ec7t, ti\u1ebfp c\u1eadn v\u1ed1n vay l\u00e0 m\u1ed9t trong nh\u1eefng kh\u00f3 kh\u0103n l\u1edbn nh\u1ea5t c\u1ee7a c\u00e1c DNNVV.<\/p>\n

Theo \u00f4ng K.Balasingam, c\u00e1c\u00a0DNNVV\u00a0<\/a>\u0111ang ph\u1ea3i tr\u1ea3i qua m\u1ed9t th\u1eddi gian kh\u00f3 kh\u0103n \u0111\u1ea7y th\u00e1ch th\u1ee9c \u0111\u1ed1i v\u1edbi n\u1ec1n kinh t\u1ebf v\u00e0 \u0111\u1ed1i v\u1edbi c\u1ed9ng \u0111\u1ed3ng DN. C\u00e1c tr\u1edf ng\u1ea1i v\u1ec1 ti\u00eau d\u00f9ng s\u1ee5t gi\u1ea3m trong m\u1ed9t th\u1eddi gian d\u00e0i, t\u00ecnh tr\u1ea1ng nhi\u1ec1u DN ph\u1ea3i ng\u1eebng ho\u1ea1t \u0111\u1ed9ng, v\u00e0 \u0111\u1eb7c bi\u1ec7t kh\u00f3 kh\u0103n v\u1ec1 ti\u1ebfp c\u1eadn ngu\u1ed3n v\u1ed1n v\u00e0 d\u00f2ng ti\u1ec1n\u2026 \u0111\u00e3 minh ch\u1ee9ng cho m\u1ee9c \u0111\u1ed9 kh\u00f3 kh\u0103n c\u1ee7a th\u1ecb tr\u01b0\u1eddng. Hi\u1ec7n nay ch\u1ec9 c\u00f3 30% c\u00e1c DNNVV ti\u1ebfp c\u1eadn \u0111\u01b0\u1ee3c ngu\u1ed3n v\u1ed1n t\u1eeb ng\u00e2n h\u00e0ng, 70% c\u00f2n l\u1ea1i ph\u1ea3i ti\u1ebfp t\u1ee5c s\u1eed d\u1ee5ng ngu\u1ed3n v\u1ed1n t\u1ef1 c\u00f3 ho\u1eb7c vay t\u1eeb ngu\u1ed3n v\u1ed1n kh\u00e1c v\u1edbi chi ph\u00ed v\u1ed1n r\u1ea5t cao.<\/p>\n

Kh\u00f3 ti\u1ebfp c\u1eadn v\u1ed1n<\/strong><\/p>\n

\u1ede g\u00f3c \u0111\u1ed9 qu\u1ea3n l\u00fd doanh nghi\u1ec7p, \u00f4ng Ph\u1ea1m Ng\u1ecdc Long – Vi\u1ec7n tr\u01b0\u1edfng, H\u00e0m V\u1ee5 tr\u01b0\u1edfng, \u1ee6y vi\u00ean BCH Hi\u1ec7p h\u1ed9i DNNVV Vi\u1ec7t Nam cho bi\u1ebft, c\u1ea3 n\u01b0\u1edbc c\u00f3 kho\u1ea3ng 500.000 DNVVV, chi\u1ebfm 97,5% t\u1ed5ng s\u1ed1 DN \u0111ang ho\u1ea1t \u0111\u1ed9ng th\u1ef1c t\u1ebf (trong \u0111\u00f3, DN v\u1eeba chi\u1ebfm 2,2%, DN nh\u1ecf chi\u1ebfm 29,6%. DN si\u00eau nh\u1ecf chi\u1ebfm kho\u1ea3ng 565,7%). T\u1ed5ng s\u1ed1 v\u1ed1n \u0111\u0103ng k\u00fd kho\u1ea3ng 121 t\u1ef7 USD, chi\u1ebfm 30% t\u1ed5ng v\u1ed1n \u0111\u0103ng k\u00fd c\u1ee7a c\u00e1c DN.<\/p>\n

Theo \u00f4ng Long, DN t\u01b0 nh\u00e2n n\u00f3i chung, DNNVV n\u00f3i ri\u00eang kh\u00f4ng th\u1ec3 t\u1ef1 l\u1edbn b\u1edfi y\u1ebfu t\u1ef1 th\u00e2n, n\u0103ng l\u1ef1c c\u1ea1nh tranh k\u00e9m, m\u00f4i tr\u01b0\u1eddng kinh doanh ch\u01b0a l\u00e0nh m\u1ea1nh, b\u00ecnh \u0111\u1eb3ng\u2026 N\u1ebfu kh\u00f4ng \u0111\u01b0\u1ee3c \u01b0u \u0111\u00e3i, h\u1eadu thu\u1eabn c\u1ee7a nh\u00e0 n\u01b0\u1edbc, ch\u1edd \u0111\u1ed9ng l\u1ef1c t\u1ef1 th\u00e2n l\u00e0 kh\u00f3 kh\u0103n. Ngo\u00e0i ra, DNNVV c\u00f3 \u0111\u00f3ng g\u00f3p k\u00e9m h\u01a1n v\u00e0o xu\u1ea5t kh\u1ea9u \u1edf m\u1ecdi qu\u1ed1c gia, c\u1ee5 th\u1ec3 23% so 77%. Trong 5 qu\u1ed1c gia \u0110NA, t\u1ef7 l\u1ec7 n\u00e0y c\u1ee7a Vi\u1ec7t Nam th\u1ea5p nh\u1ea5t (16,8%\/83,2%), 25% DNNVV l\u1edbn \u0111\u00f3ng g\u00f3p 76% xu\u1ea5t kh\u1ea9u so v\u1edbi 85% \u1edf Th\u00e1i Lan v\u00e0 79% \u1edf Singapore.<\/p>\n

V\u1ec1 kh\u00f3 kh\u0103n t\u00edn d\u1ee5ng cho DNNVV, theo \u00f4ng Long c\u00f3 3 y\u1ebfu t\u1ed1.\u00a0Th\u1ee9 nh\u1ea5t<\/em>, t\u1ef7 l\u1ec7 ti\u1ebfp c\u1eadn vay v\u00e0\u00a0v\u1ed1n vay<\/a>\u00a0\u0111\u01b0\u1ee3c c\u00f2n th\u1ea5p, t\u1ef7 l\u1ec7 n\u1ee3 x\u1ea5u t\u0103ng nhanh, t\u00e0i s\u1ea3n \u0111\u1ea3m b\u1ea3o vay kh\u00f3 kh\u0103n. Theo kh\u1ea3o s\u00e1t g\u1ea7n \u0111\u00e2y c\u1ee7a SISME, ch\u1ec9 c\u00f3 kho\u1ea3ng 32,38% s\u1ed1 DN cho bi\u1ebft c\u00f3 kh\u1ea3 n\u0103ng ti\u1ebfp c\u1eadn v\u00e0 \u0111\u01b0\u1ee3c vay v\u1ed1n th\u01b0\u1eddng xuy\u00ean; 35,24% ph\u1ea3n \u00e1nh l\u00e0 kh\u00f3 ti\u1ebfp c\u1eadn; s\u1ed1 c\u00f2n l\u1ea1i cho bi\u1ebft kh\u00f4ng th\u1ec3 ti\u1ebfp c\u1eadn \u0111\u01b0\u1ee3c v\u1ed1n vay. \u0110\u1ed1i v\u1edbi c\u00e1c k\u00eanh huy \u0111\u1ed9ng v\u1ed1n kh\u00e1c tr\u00ean th\u1ecb tr\u01b0\u1eddng nh\u01b0 ph\u00e1t h\u00e0nh c\u1ed5 phi\u1ebfu, tr\u00e1i phi\u1ebfu ho\u1eb7c t\u1ef1 huy \u0111\u1ed9ng th\u00ec ph\u1ea7n l\u1edbn c\u00e1c DNNVV th\u01b0\u1eddng kh\u00f4ng c\u00f3 \u0111\u1ee7 \u0111i\u1ec1u ki\u1ec7n v\u00e0 uy t\u00edn.<\/p>\n

T\u00ednh \u0111\u1ebfn h\u1ebft th\u00e1ng 6\/2014, t\u1ef7 tr\u1ecdng d\u01b0 n\u1ee3 khu v\u1ef1c DNNVV chi\u1ebfm 25% (896,808 ng\u00e0n t\u1ef7 so v\u1edbi 3,6 tri\u1ec7u t\u1ef7), t\u1ed1c \u0111\u1ed9 t\u0103ng tr\u01b0\u1edfng t\u00edn d\u1ee5ng l\u00e0 2% so v\u1edbi \u0111\u1ea7u n\u0103m; g\u1ea7n 90% vay b\u1eb1ng n\u1ed9i t\u1ec7; t\u1ef7 l\u1ec7 n\u1ee3 x\u1ea5u lu\u00f4n xu h\u01b0\u1edbng t\u0103ng l\u00ean (tr\u00ean 5%). Trong khi \u0111\u00f3 t\u1ed5ng gi\u00e1 tr\u1ecb t\u00e0i s\u1ea3n \u0111\u1ea3m b\u1ea3o l\u1ea1i t\u0103ng b\u00ecnh qu\u00e2n 7% su\u1ed1t 3 n\u0103m g\u1ea7n \u0111\u00e2y v\u00e0 t\u1ef7 tr\u1ecdng t\u00e0i s\u1ea3n \u0111\u1ea3m b\u1ea3o so v\u1edbi t\u1ed5ng d\u01b0 n\u1ee3 t\u0103ng \u0111\u00e1ng k\u1ec3. \u0110i\u1ec1u n\u00e0y cho th\u1ea5y m\u1ee9c \u0111\u1ed9 t\u00edn nhi\u1ec7m chung v\u1ec1 t\u00edn d\u1ee5ng th\u1ea5p v\u00e0 r\u00e0ng bu\u1ed9c \u0111i\u1ec1u ki\u1ec7n t\u00edn d\u1ee5ng cao \u0111\u00f4i v\u1edbi khu v\u1ef1c n\u00e0y. Tuy v\u1eady, c\u1ea3 v\u1ec1 t\u1ed1c \u0111\u1ed9, t\u1ef7 tr\u1ecdng t\u00edn d\u1ee5ng DNNVV \u0111\u00e3 c\u00f3 d\u1ea5u hi\u1ec7u \u1edf xu h\u01b0\u1edbng t\u0103ng.<\/p>\n

Th\u1ee9 hai<\/em>, t\u1ef7 l\u1ec7 ti\u1ebfp c\u1eadn v\u00e0 \u0111\u01b0\u1ee3c b\u1ea3o l\u00e3nh r\u1ea5t th\u1ea5p, t\u1ef7 l\u1ec7 r\u1ee7i ro v\u1ec1 b\u1ea3o l\u00e3nh cao. C\u1ee5 th\u1ec3, t\u1ef7 l\u1ec7 DNNVV \u0111\u01b0\u1ee3c b\u1ea3o l\u00e3nh vay v\u1ed1n t\u1eeb Ng\u00e2n h\u00e0ng ph\u00e1t tri\u1ec3n Vi\u1ec7t Nam (VDB) v\u1eabn th\u1ea5p c\u1ea3 v\u1ec1 s\u1ed1 l\u01b0\u1ee3ng c\u0169ng nh\u01b0 gi\u00e1 tr\u1ecb b\u1ea3o l\u00e3nh. T\u1ef7 l\u1ec7\u00a0 r\u1ee7i ro b\u1ea3o l\u00e3nh cao 26,96%. T\u1ef7 l\u1ec7 ch\u1ed1i tr\u1ea3 thay c\u1ee7a VDB c\u0169ng kh\u00e1 cao 18,63%. \u0110\u00e2y l\u00e0 nguy\u00ean nh\u00e2n ch\u00ednh khi\u1ebfn c\u00e1c DN n\u00e0y ti\u1ebfp c\u1eadn t\u00edn d\u1ee5ng c\u1ee7a c\u00e1c NHTM th\u00f4ng qua b\u1ea3o l\u00e3nh c\u1ee7a VDB ng\u00e0y c\u00e0ng h\u1ea1n ch\u1ebf.<\/p>\n

Th\u1ee9 ba<\/em>, t\u00e1i c\u01a1 c\u1ea5u n\u1ee3 v\u00e0 \u0111i\u1ec1u ch\u1ec9nh gi\u1ea3m l\u00e3i vay c\u00f2n ch\u1eadm. B\u00e1o c\u00e1o c\u1ee7a Th\u1ed1ng \u0111\u1ed1c\u00a0NHNN<\/a>\u00a0t\u1ea1i cu\u1ed9c g\u1eb7p th\u1ee7 t\u01b0\u1edbng \u0111\u1ed1i tho\u1ea1i DN ng\u00e0y 28\/4\/2014 cho th\u1ea5y, m\u1eb7t b\u1eb1ng l\u00e3i su\u1ea5t cho vay \u0111\u00e3 gi\u1ea3m t\u1edbi 70% so v\u1edbi th\u00e1ng 11\/2012, trong khi \u0111\u00f3 m\u1ee9c l\u00e3i su\u00e1t cho vay t\u1eeb 13% tr\u1edf l\u00ean ch\u1ec9 chi\u1ebfm kho\u1ea3ng 16,5%, t\u01b0\u01a1ng \u1ee9ng tr\u00ean 15% chi\u1ebfm kho\u1ea3ng 5%.<\/p>\n

D\u01b0 n\u1ee3 c\u1ee7a DNNVV c\u00f3 l\u00e3i su\u1ea5t tr\u00ean 15% chi\u1ebfm 4,5% t\u1ed5ng d\u01b0 n\u1ee3 c\u1ee7a n\u1ec1n kinh t\u1ebf (chi\u1ebfm 18% t\u1ed5ng d\u01b0 n\u1ee3 khu v\u1ef1c n\u00e0y); l\u00e3i su\u1ea5t t\u1eeb 13% tr\u1edf l\u00ean chi\u1ebfm 12,9%… \u0110\u1ebfn \u0111\u1ea7u th\u00e1ng 10\/2014, c\u00e1c l\u0129nh v\u1ef1c n\u00f4ng nghi\u1ec7p, xu\u1ea5t kh\u00e2u, DNNVV, c\u00f4ng nghi\u1ec7p h\u1ed7 tr\u1ee3 \u0111\u01b0\u1ee3c vay l\u00e3i su\u1ea5t 7-8%, s\u1ea3n xu\u1ea5t kinh doanh th\u00f4ng th\u01b0\u1eddng 9-10% (ng\u1eafn h\u1ea1n) v\u00e0 10,5-12%\/n\u0103m (trung d\u00e0i h\u1ea1n); \u0111\u1ed1i\u00a0 t\u01b0\u1ee3ng VIP ch\u1ec9 6-7%.<\/p>\n

\u00d4ng Long cho r\u1eb1ng, vi\u1ec7c ti\u1ebfp c\u1eadn vay v\u1ed1n \u0111\u1ed1i v\u1edbi s\u1ed1 DN ch\u01b0a \u0111\u01b0\u1ee3c t\u00e1i c\u01a1 c\u1ea5u ho\u1eb7c t\u00e1i c\u01a1 c\u1ea5u theo TT 09 l\u00e0 r\u1ea5t kh\u00f3 kh\u0103n, c\u00e0ng kh\u00f3 ti\u1ebfp c\u1eadn vay v\u1edbi m\u1ee9c l\u00e3i su\u1ea5t \u01b0u \u0111\u00e3i nh\u01b0 k\u1ef3 v\u1ecdng. H\u01a1n n\u1eefa, ph\u1ea7n l\u1edbn c\u00e1c DNNVV kh\u00f3 c\u00f3 t\u1ef7 su\u1ea5t l\u1ee3i nhu\u1eadn cao tr\u00ean 10% \u0111\u1ec3 ch\u1ecbu n\u1ed5i m\u1eb7t b\u1eb1ng l\u00e3i su\u1ea5t hi\u1ec7n nay trong t\u1ed3n kho c\u00f3 gi\u1ea3m v\u1eabn c\u00f2n cao, ti\u00eau th\u1ee5 kh\u00f3 kh\u0103n, nhi\u1ec1u l\u0129nh v\u1ef1c, ng\u00e0nh h\u00e0ng v\u1eabn l\u1ed7 n\u1eb7ng n\u1ebfu c\u1ee9 ti\u1ebfp t\u1ee5c kinh doanh. \u0110\u1eb7c bi\u1ec7t, DN v\u1eabn r\u1ea5t kh\u00f3 kh\u0103n khi ti\u1ebfp c\u1eadn v\u1ed1n vay m\u1edbi v\u00ec ph\u1ea7n l\u1edbi t\u00e0i s\u1ea3n \u0111\u1ea3m b\u1ea3o \u0111\u00e3 c\u1ea1n ki\u1ec7t, t\u1ed5ng t\u00e0i s\u1ea3n c\u00f3 sinh l\u1eddi v\u00e0 doanh thu s\u1ee5t gi\u1ea3m, quy m\u00f4 thu h\u1eb9p\u2026<\/p>\n

Ph\u00e2n t\u00edch v\u1ec1 nguy\u00ean nh\u00e2n s\u00e2u xa d\u1eabn \u0111\u1ebfn s\u1ef1 ki\u1ec7c tr\u00ean, \u00f4ng Long cho bi\u1ebft c\u00f3 3 nguy\u00ean nh\u00e2n.\u00a0Th\u1ee9 nh\u1ea5t,<\/em>s\u1ef1 l\u00fang t\u00fang, ch\u1eadm ch\u1ec5 t\u00e1i c\u01a1 c\u1ea5u t\u1ed5ng th\u1ec3\u00a0n\u1ec1n kinh t\u1ebf<\/a>, chuy\u1ec3n \u0111\u1ed5 m\u00f4 h\u00ecnh t\u0103ng tr\u01b0\u1edfng kinh t\u1ebf v\u00e0 c\u00e1i c\u1ea3i c\u00e1ch th\u1ec3 ch\u1ebf.\u00a0Th\u1ee9 hai,<\/em>\u00a0khu v\u1ef1c DNNVV nh\u00ecn chung trong v\u00f2ng 5 n\u0103m g\u1ea7n \u0111\u00e2y so v\u1edbi m\u1ed9t s\u1ed1 lo\u1ea1i h\u00ecnh DN kh\u00e1c, d\u1ea7n y\u1ebfu k\u00e9m v\u1ec1 ch\u1ea5t l\u01b0\u1ee3ng v\u00e0 thua k\u00e9m v\u1ec1 n\u0103ng l\u1ef1c c\u1ea1nh tranh v\u00e0 ph\u00e1t tr\u1ec3n b\u1ec1n v\u1eefng.Th\u1ee9 ba<\/em>, vi\u1ec7c ch\u1eadm tr\u1ec5 th\u00e1o g\u1ee1 c\u00e1c kh\u00f3 kh\u0103n ch\u1ee7 y\u1ebfu c\u1ee7a smes v\u1ec1 th\u1ecb tr\u01b0\u1eddng, \u0111\u1ea5t \u0111ai, v\u1ed1n ho\u1ea1t \u0111\u1ed9ng, c\u00f4ng ngh\u1ec7, \u0111\u00e0o t\u1ea1o v\u00e0 qu\u1ea3n l\u00fd l\u00e0 tr\u1edf l\u1ea1i c\u00f3 t\u00ednh ch\u1ea5t d\u00e2y truy\u1ec1n cho vi\u1ec7c ti\u1ebfp c\u1eadn v\u1ed1n t\u00edn d\u1ee5ng ng\u00e2n h\u00e0ng.<\/p>\n

Ngo\u00e0i ra, theo \u00f4ng Long c\u00f2n c\u00f3 nh\u1eefng nguy\u00ean nh\u00e2n tr\u1ef1c ti\u1ebfp nh\u01b0: C\u00e1c NHTM qu\u00e1 th\u1eadn tr\u1ecdng, co c\u1ee5m, c\u00f3 ph\u1ea7n b\u1ea3o th\u1ee7 v\u00e0 e ng\u1ea1i \u201ch\u00ecnh s\u1ef1 h\u00f3a\u201d trong ho\u1ea1t \u0111\u1ed9ng t\u00edn d\u1ee5ng; Th\u1ee7 t\u1ee5c, \u0111i\u1ec1u ki\u1ec7n t\u00edn d\u1ee5ng m\u1edbi \u201csi\u1ebft ch\u1eb7t\u201d, g\u00e2y n\u00ean h\u1ee9c t\u1ea1p v\u00e0 qu\u00e1 s\u1ee9c \u0111\u1ed1i v\u1edbi DN; Ch\u00ednh s\u00e1ch t\u00edn d\u1ee5ng c\u1ee7a h\u1ea7u h\u1ebft c\u00e1c NHTM hi\u1ec7n nay qu\u00e1 b\u00e9o h\u1eb9p v\u1edbi s\u1ed1 kh\u00e1ch h\u00e0ng \u201ctruy\u1ec1n th\u1ed1ng\u201d, kh\u00e1ch h\u00e0ng VIP, n\u00ean th\u01b0\u1eddng xem nh\u1eb9 v\u00e0 \u201cl\u00e0m ng\u01a1\u201d DN m\u1edbi kh\u1edfi nghi\u1ec7p; Ch\u00ednh s\u00e1ch m\u1edbi v\u1ec1 b\u1ea3o l\u00e3nh t\u00edn d\u1ee5ng cho DNNVV m\u1eb7c d\u00f9 \u0111\u01b0\u1ee3c Ch\u00ednh ph\u1ee7 ban h\u00e0nh l\u00e2u, ch\u1ec9 \u0111\u1ea1o r\u1ed3i, nh\u01b0ng v\u00e0o cu\u1ed9c s\u1ed1ng c\u00f2n r\u1ea5t ch\u1eadm; M\u1eb7t b\u1eb1ng l\u00e3i su\u1ea5t chung c\u00f3 gi\u1ea3m nh\u01b0ng v\u1eabn c\u00f2n cao so v\u1edbi kh\u1ea3 n\u0103ng sinh l\u1eddi c\u1ee7a doanh nghi\u1ec7p, g\u00e1nh n\u1eb7ng l\u00e3i su\u1ea5t n\u1ee3 c\u0169 cao ch\u01b0a \u0111\u01b0\u1ee3c mi\u1ec5n gi\u1ea3m ph\u00f9 h\u1ee3p; S\u1ef1 ph\u1ed1i h\u1ee3p v\u1ec1 ch\u00ednh s\u00e1ch h\u1ed7 tr\u1ee3 ph\u00e1t tri\u1ec3n c\u1ee7a DNNVV gi\u1eefa c\u00e1c b\u1ed9 ng\u00e0nh c\u00f2n ch\u01b0a \u0103n kh\u1edbp, thi\u1ebfu \u0111\u1ed3ng b\u1ed9; Ngo\u00e0i ra, ho\u1ea1t \u0111\u1ed9ng tr\u1ee3 gi\u00fap ph\u00e1t tri\u1ec3n khu v\u1ef1c DNNVV t\u1eeb nhi\u1ec1u ph\u00eda trung \u01b0\u01a1ng, \u0111\u1ecba ph\u01b0\u01a1ng c\u00f2n ch\u01b0a hi\u1ec7u qu\u1ea3.<\/p>\n

\u0110\u00e2u l\u00e0 gi\u1ea3i ph\u00e1p?<\/strong><\/p>\n

T\u1eeb nh\u1eefng nguy\u00ean nh\u00e2n tr\u00ean, \u00f4ng Long \u0111\u01b0a ra c\u00e1c ki\u1ebfn ngh\u1ecb,\u00a0gi\u1ea3i ph\u00e1p<\/a>\u00a0nh\u1eb1m th\u00e1o g\u1ee1 nh\u01b0:\u00a0Th\u1ee9 nh\u1ea5t<\/em>, c\u1ea7n h\u1ed7 tr\u1ee3 DNNVV c\u00e1c v\u1ea5n \u0111\u1ec1 li\u00ean quan th\u1ecb tr\u01b0\u1eddng, \u0111\u1ea5t \u0111ai, v\u1ed1n \u01b0u \u0111\u00e3i, c\u00f4ng ngh\u1ec7, \u0111\u00e0o t\u1ea1o v\u00e0 qu\u1ea3n l\u00fd tr\u00ean n\u1ec1n t\u1ea3ng \u0111\u1ea9y nhanh ti\u1ebfn tr\u00ecnh c\u1ea3i c\u00e1ch th\u1ec3 ch\u1ebf, minh b\u1ea1ch h\u00f3a th\u00f4ng tin, th\u00e1o g\u1ee1 c\u00e1c r\u00e0o c\u1ea3n v\u1ec1 th\u1ee7 t\u1ee5c h\u00e0nh ch\u00ednh v\u00e0 s\u1ef1 \u201cs\u00e0ng l\u1ecdc\u201d m\u1ea1nh DN.\u00a0Th\u1ee9 hai<\/em>, c\u1ea7n \u0111\u1ed5i m\u1edbi c\u00e1ch th\u1ee9c ti\u1ebfp c\u1eadn ph\u00f9 h\u1ee3p h\u01a1n trong ho\u1ea1t \u0111\u1ed9ng t\u00edn d\u1ee5ng v\u00e0 b\u1ea3o l\u00e3nh t\u00edn d\u1ee5ng ng\u00e2n h\u00e0ng theo h\u01b0\u1edbng t\u1eadp trung tr\u1ecdng t\u00e2m, tr\u1ecdng \u0111i\u1ec3m.\u00a0Th\u1ee9 ba<\/em>, ph\u1ea3i n\u00e2ng cao kh\u1ea3 n\u0103ng ti\u1ebfp c\u1eadn t\u00edn d\u1ee5ng c\u1ee7a khu v\u1ef1c DNNVV \u0111\u1eb7t trong quan h\u1ec7 g\u1eafn b\u00f3 h\u1eefu c\u01a1 gi\u1eefa huy \u0111\u1ed9ng, t\u1eadp trung c\u00f3 hi\u1ec7u qu\u1ea3 m\u1ecdi ngu\u1ed3n l\u1ef1c t\u00e0i ch\u00ednh v\u1edbi chi ph\u00ed h\u1ee3p l\u00fd, t\u1eebng b\u01b0\u1edbc thi\u1ebft l\u1eadp c\u00e1c \u0111\u1ecbnh ch\u1ebf, th\u1ec3 ch\u1ebf t\u00e0i ch\u00ednh \u0111\u1eb7c th\u00f9.\u00a0Th\u1ee9 t\u01b0<\/em>, th\u00fac \u0111\u1ea9y t\u0103ng tr\u01b0\u1edfng t\u00edn d\u1ee5ng b\u1ec1n v\u1eefng, kh\u00f4ng t\u0103ng g\u00e1nh n\u1eb7ng r\u1ee7i ro cho c\u00e1c ng\u00e2n h\u00e0ng th\u01b0\u01a1ng m\u1ea1i, ph\u00e1t huy m\u00f4 h\u00ecnh \u201cc\u1ea3 h\u1ec7 th\u1ed1ng ch\u00ednh tr\u1ecb c\u00f9ng v\u00e0o cu\u1ed9c v\u1edbi ng\u00e2n h\u00e0ng\u201d.<\/p>\n

T\u1eeb g\u00f3c nh\u00ecn c\u1ee7a ng\u01b0\u1eddi l\u00e0m ng\u00e2n h\u00e0ng, \u00f4ng Tr\u1ea7n Trung Ki\u00ean \u2013 Ph\u00f3 Gi\u00e1m \u0111\u1ed1c Kh\u1ed1i Kh\u00e1ch h\u00e0ng\u00a0doanh nghi\u1ec7p<\/a>\u00a0ph\u1ee5 tr\u00e1ch mi\u1ec1n B\u1eafc, Ng\u00e2n h\u00e0ng TMCP K\u1ef9 th\u01b0\u01a1ng (Techcombank) cho bi\u1ebft: Trong h\u01a1n 20 n\u0103m ph\u1ee5c v\u1ee5 kh\u00e1ch h\u00e0ng DN \u1edf c\u00e1c quy m\u00f4 kh\u00e1c nhau, Techcombank \u0111\u00e3 g\u1eb7p nh\u1eefng kh\u00f3 kh\u0103n nh\u1ea5t \u0111\u1ecbnh khi cho vay c\u00e1c DNNVV nh\u01b0: DN c\u00f2n thi\u1ebfu ngu\u1ed3n v\u1ed1n trung v\u00e0 d\u00e0i h\u1ea1n \u1ed5n \u0111\u1ecbnh v\u00e0 gi\u00e1 c\u1ea3 h\u1ee3p l\u00fd \u0111\u1ec3 \u0111\u00e1p \u1ee9ng theo nhu c\u1ea7u c\u1ee7a DNNVV; Vay v\u1ed1n th\u1eddi gian d\u00e0i, l\u00e3i su\u1ea5t \u01b0u \u0111\u00e3i \u1ed5n \u0111\u1ecbnh\u2026;\u00a0 T\u1ef7 l\u1ec7 n\u1ee3 qu\u00e1 h\u1ea1n ph\u00e1t sinh trong qu\u00e1 kh\u1ee9 khi cho vay c\u00e1c DNNVV cao h\u01a1n so v\u1edbi c\u00e1c ph\u00e2n kh\u00fac cho vay DN l\u1edbn; Khai th\u00e1c v\u00e0 b\u00e1n ch\u00e9o v\u1edbi c\u00e1c DNNVV th\u01b0\u1eddng h\u1ea1n ch\u1ebf do c\u00e1c DN n\u00e0y th\u01b0\u1eddng ch\u1ec9 c\u00f3 nhu c\u1ea7u vay v\u1ed1n v\u00e0 giao d\u1ecbch t\u00e0i kho\u1ea3n; Thi\u1ebfu c\u00f4ng c\u1ee5\u00a0 h\u1ed7 tr\u1ee3 c\u1ee7a nh\u00e0 n\u01b0\u1edbc \u0111\u1ec3 th\u00fac \u0111\u1ea9y ng\u00e2n h\u00e0ng c\u00f3 ch\u00ednh s\u00e1ch cho vay c\u0169ng nh\u01b0 h\u1ed7 tr\u1ee3 m\u1ea1nh h\u01a1n c\u00e1c DNNVV.<\/p>\n

Theo \u00f4ng Ki\u00ean, vi\u1ec7c c\u00e1c DNNVV kh\u00f3 kh\u0103n trong vi\u1ec7c ti\u1ebfp c\u1eadn t\u00edn d\u1ee5ng c\u00f3 nguy\u00ean nh\u00e2n ch\u00ednh t\u1eeb ch\u00ednh \u0111\u1ebfn t\u1eeb c\u00e1c DN nh\u01b0: T\u00ednh minh b\u1ea1ch th\u00f4ng tin t\u00e0i ch\u00ednh c\u1ee7a DN ch\u01b0a cao; kinh nghi\u1ec7m v\u00e0 c\u00e1ch th\u1ee9c \u0111i\u1ec1u h\u00e0nh doanh nghi\u1ec7p c\u00f2n ch\u01b0a c\u1edfi m\u1edf; t\u00ednh r\u1ee7i ro c\u1ee7a c\u00e1c ph\u01b0\u01a1ng \u00e1n vay v\u1ed1n cao, d\u1ef1 \u00e1n, ph\u01b0\u01a1ng \u00e1n kinh doanh ch\u01b0a th\u1ef1c s\u1ef1 kh\u1ea3 thi; T\u00e0i s\u1ea3n \u0111\u1ea3m \u0111\u1ea3m b\u1ea3o ch\u01b0a \u0111\u00e1p \u1ee9ng \u0111\u1ee7 \u0111i\u1ec1u ki\u1ec7n c\u1ee7a ng\u00e2n h\u00e0ng; c\u00e1c DNNVV d\u1ec5 t\u1ed5n th\u01b0\u01a1ng b\u1edfi c\u00e1c bi\u1ebfn \u0111\u1ed9ng kinh t\u1ebf v\u0129 m\u00f4, t\u1ef7 l\u1ec7 thay \u0111\u1ed5i t\u01b0\u01a1ng \u0111\u1ed1i nhi\u1ec1u.<\/p>\n

\u0110\u1ec3 n\u00e2ng cao kh\u1ea3 n\u0103ng ti\u1ebfp c\u1eadn v\u1ed1n c\u1ee7a m\u00ecnh, \u00f4ng Ki\u00ean cho r\u1eb1ng c\u00e1c ch\u1ee7 DN n\u00ean n\u00e2ng cao t\u00ednh minh b\u1ea1ch trong b\u00e1o c\u00e1o t\u00e0i ch\u00ednh c\u1ee7a DN; N\u00e2ng cao hi\u1ec7u qu\u1ea3 trong ho\u1ea1t \u0111\u1ed9ng kinh doanh c\u1ee7a DN; C\u1edfi m\u1edf v\u1edbi ng\u00e2n h\u00e0ng c\u00e1c th\u00f4ng tin v\u1ec1 doanh nghi\u1ec7p v\u00e0 ch\u1ee7 DN. Ngo\u00e0i ra, c\u00f2n c\u1ea7n c\u00f3 s\u1ef1 cam k\u1ebft c\u1ee7a ch\u1ee7 DN trong vi\u1ec7c th\u1ef1c hi\u1ec7n c\u00e1c ph\u01b0\u01a1ng \u00e1n kinh doanh v\u00e0 vay v\u1ed1n; V\u1ed1n t\u1ef1 c\u00f3 tham gia; t\u00e0i s\u1ea3n b\u1ea3o l\u00e3nh c\u1ee7a ch\u1ee7 DN.\u00a0 M\u1ed9t y\u1ebfu t\u1ed1 kh\u00e1c c\u0169ng r\u1ea5t quan tr\u1ecdng, \u0111\u00f3 l\u00e0 DN c\u1ea7n t\u00ecm hi\u1ec3u k\u1ef9 v\u1ec1 c\u00e1c s\u1ea3n ph\u1ea9m\/d\u1ecbch v\u1ee5\/n\u01a1i giao d\u1ecbch c\u1ee7a ng\u00e2n h\u00e0ng tr\u01b0\u1edbc khi \u0111\u1ec1 xu\u1ea5t vay; \u0111\u1ed3ng th\u1eddi tham gia v\u00e0o c\u00e1c chu\u1ed7i t\u00e0i tr\u1ee3 c\u1ee7a\u00a0ng\u00e2n h\u00e0ng<\/a>.<\/p>\n\n\n\n
Phi\u00ean th\u1ea3o lu\u1eadn c\u00f3 s\u1ef1 tham gia c\u1ee7a c\u00e1c di\u1ec5n gi\u1ea3: \u00d4ng T\u00f4 Ho\u00e0i Nam \u2013 Ph\u00f3 Ch\u1ee7 t\u1ecbch ki\u00eam T\u1ed5ng Th\u01b0 k\u00fd Hi\u1ec7p h\u1ed9i DNNVV Vi\u1ec7t Nam; TS Ph\u1ea1m Ng\u1ecdc Long \u2013 Vi\u1ec7n tr\u01b0\u1edfng, H\u00e0m V\u1ee5 tr\u01b0\u1edfng, \u1ee6y vi\u00ean BCH Hi\u1ec7p h\u1ed9i DNNVV Vi\u1ec7t Nam; \u00d4ng Tr\u1ea7n Trung Ki\u00ean \u2013 Ph\u00f3 Gi\u00e1m \u0111\u1ed1c Kh\u1ed1i kh\u00e1ch h\u00e0ng doanh nghi\u1ec7p ph\u1ee5 tr\u00e1ch mi\u1ec1n B\u1eafc Techcombank; \u00d4ng Tr\u01b0\u01a1ng Thanh \u0110\u1ee9c \u2013 Gi\u00e1m \u0111\u1ed1c C\u00f4ng ty Lu\u1eadt ANVI<\/em>, Ch\u1ee7 nhi\u1ec7m CLB Ph\u00e1p ch\u1ebf Ng\u00e2n h\u00e0ng VNBA.<\/strong><\/p>\n

Tr\u1ea3 l\u1eddi c\u00e2u h\u1ecfi v\u1ec1 vi\u1ec7c chuy\u1ec3n \u0111\u1ed5i gi\u1eefa v\u0129 m\u00f4 v\u00e0 vi m\u00f4 trong b\u1ed1i c\u1ea3nh kinh t\u1ebf b\u00e2y gi\u1edd. Ng\u00e2n h\u00e0ng c\u00f3 b\u1ed9 ph\u1eadn nghi\u00ean c\u1ee9u c\u00f3 th\u1ec3 \u00e1p d\u1ee5ng ch\u00ednh s\u00e1ch c\u1ee7a ng\u00e2n h\u00e0ng trong qu\u00e1 tr\u00ecnh chuy\u1ec3n \u0111\u1ed5i, gi\u00fap DN ti\u1ebfp c\u1eadn v\u1ed1n \u0111\u01b0\u1ee3c kh\u00f4ng? \u00d4ng Tr\u1ea7n Trung Ki\u00ean cho bi\u1ebft, vi\u1ec7c n\u1eafm b\u1eaft \u0111\u01b0\u1ee3c s\u1ef1 chuy\u1ec3n bi\u1ebfn kinh t\u1ebf v\u0129 m\u00f4 c\u1ee7a th\u1ecb tr\u01b0\u1eddng l\u00e0 \u0111i\u1ec1u b\u1eaft bu\u1ed9c ph\u1ea3i c\u00f3 c\u1ee7a c\u00e1c ng\u00e2n h\u00e0ng. T\u1ea1iTechcombank<\/a>\u00a0c\u00f3 2 b\u1ed9 ph\u1eadn: Kh\u1ed1i chi\u1ebfn l\u01b0\u1ee3c (c\u00f3 d\u1ef1 \u00e1n ri\u00eang gi\u00fap ng\u00e2n h\u00e0ng c\u00f3 th\u1ec3 \u00e1p d\u1ee5ng \u0111\u01b0\u1ee3c c\u00e1c ph\u00e2n t\u00edch m\u00f4 h\u00ecnh \u0111\u00e1nh gi\u00e1 t\u00edn d\u1ee5ng cho DN \u0111\u1ec3 c\u00f3 th\u1ec3 \u0111\u01b0a ra quy\u1ebft \u0111\u1ecbnh); Kh\u1ed1i kinh doanh (kh\u00e1ch h\u00e0ng DN, ngu\u1ed3n v\u1ed1n, b\u00e1n l\u1ebb). M\u1ed7i kh\u1ed1i \u0111\u1ec1u c\u00f3 b\u1ed9 ph\u1eadn ch\u00ednh s\u00e1ch kinh doanh v\u00e0 Techcombank \u0111\u1ec1u \u0111\u01b0a ra \u0111\u01b0\u1ee3c g\u00f3i s\u1ea3n ph\u1ea9m, \u0111i\u1ec1u ki\u1ec7n \u0111\u1ec3 c\u00e1c DN c\u00f3 th\u1ec3 \u0111\u00e1p \u1ee9ng \u0111\u01b0\u1ee3c, cho vay ngay.<\/p>\n

Li\u00ean quan \u0111\u1ebfn v\u1ea5n \u0111\u1ec1 kh\u00f3 kh\u0103n nh\u1ea5t \u0111\u1ed1i v\u1edbi ng\u00e2n h\u00e0ng l\u00e0\u00a0n\u1ee3 x\u1ea5u<\/a>. N\u1ee3 x\u1ea5u xu\u1ea5t ph\u00e1t t\u1eeb cho vay kh\u00f4ng ch\u00ednh x\u00e1c hay cho vay trong khu DNNVV? \u00d4ng Ph\u1ea1m Ng\u1ecdc Long cho bi\u1ebft, th\u1eddi gian qua ch\u00fang ta \u0111\u00e3 c\u00f3 r\u1ea5t nhi\u1ec1u ch\u00ednh s\u00e1ch, bi\u1ec7n ph\u00e1p \u0111\u1ec3 gi\u1ea3m n\u1ee3 x\u1ea5u nh\u01b0 t\u00e1i c\u01a1 c\u1ea5u ng\u00e2n h\u00e0ng, th\u00e0nh l\u1eadp c\u00f4ng ty qu\u1ea3n l\u00fd n\u1ee3\u2026 N\u0103m 2007- 2008, n\u1ee3 x\u1ea5u l\u00ean \u0111\u1ebfn 17-18% nguy\u00ean nh\u00e2n h\u1ea7u h\u1ebft l\u00e0 do qu\u1ea3n tr\u1ecb r\u1ee7i ro c\u1ee7a ng\u00e2n h\u00e0ng c\u00f2n l\u1ecfng l\u1ebbo. Tuy nhi\u00ean, t\u1eeb n\u0103m 2009 t\u1edbi nay, nhi\u1ec1u ng\u00e2n h\u00e0ng \u0111\u00e3 ti\u1ebfp c\u1eadn r\u1ee7i ro theo chu\u1ea9n, n\u00ean vi\u1ec7c qu\u1ea3n l\u00fd t\u00edn d\u1ee5ng \u0111\u00e3 c\u00f3 nhi\u1ec1u \u0111\u1ed5i m\u1edbi. DNNVV l\u00e0 \u0111\u1ed1i t\u01b0\u1ee3ng ti\u1ec1m n\u0103ng c\u1ee7a ng\u00e2n h\u00e0ng. \u0110\u1ed1i t\u01b0\u1ee3ng n\u00e0y \u0111\u01b0\u1ee3c ki\u1ec3m so\u00e1t g\u1eaft gao n\u00ean \u0111\u00e3 c\u00f3 nh\u1eefng chuy\u1ec3n bi\u1ebfn t\u00edch c\u1ef1c. N\u1ee3 x\u1ea5u trong kh\u1ed1i DNNVV ch\u1ec9 chi\u1ebfm 5%.<\/p>\n

Theo \u00f4ng Tr\u01b0\u01a1ng Thanh \u0110\u1ee9c, c\u00f3 3 l\u00fd do thu\u1eadn l\u1ee3i \u0111\u1ec3 ng\u00e2n h\u00e0ng \u0111\u1ebfn v\u1edbi DN v\u00e0 ng\u01b0\u1ee3c l\u1ea1i. Th\u1ee9 nh\u1ea5t, c\u00e0ng nhi\u1ec1u n\u1ee3 x\u1ea5u, ng\u00e2n h\u00e0ng c\u00e0ng ph\u1ea3i cho vay \u0111\u1ec3 gi\u1ea3m t\u1ef7 l\u1ec7 x\u1ea5u v\u00e0 kh\u1eafc ph\u1ee5c t\u1ef7 l\u1ec7 x\u1ea5u. Th\u1ee9 hai, trong l\u00fac ng\u00e2n h\u00e0ng \u0111ang th\u1eeba v\u1ed1n, c\u00e1c DN k\u00eau \u0111\u00f3i v\u1ed1n, th\u00ec ng\u00e2n h\u00e0ng ph\u1ea3i khao kh\u00e1t t\u00ecm DN. Th\u1ee9 ba, g\u1ea7n nh\u01b0 t\u1ea5t c\u1ea3 ng\u00e2n h\u00e0ng t\u1ea1i Vi\u1ec7t Nam \u0111\u1ec1u \u0111\u01b0a DNNVV l\u00e0 \u0111\u1ed1i t\u01b0\u1ee3ng \u01b0u ti\u00ean h\u00e0ng \u0111\u1ea7u.<\/em><\/p>\n

Mong mu\u1ed1n, nguy\u1ec7n v\u1ecdng v\u00e0 nhu c\u1ea7u c\u1ee7a hai b\u00ean l\u00e0 nh\u01b0 v\u1eady, nh\u01b0ng \u00f4ng \u0110\u1ee9c cho bi\u1ebft, s\u1ef1 vi\u1ec7c kh\u00f4ng \u0111\u01a1n gi\u1ea3n b\u1edfi c\u00f3 qu\u00e1 nhi\u1ec1u l\u00fd do \u0111\u1ec3 ng\u00e2n h\u00e0ng v\u00e0 DN ch\u01b0a \u0111\u1ebfn g\u1ea7n \u0111\u01b0\u1ee3c v\u1edbi nhau nh\u01b0: Ng\u00e2n h\u00e0ng lu\u00f4n tr\u0103n tr\u1edf DN vay v\u1ed1n c\u00f3 hi\u1ec7u qu\u1ea3 kh\u00f4ng, c\u00f3 l\u00e0m \u0103n \u0111\u01b0\u1ee3c kh\u00f4ng, c\u00f3 kh\u1ea3 n\u0103ng tr\u1ea3 n\u1ee3 kh\u00f4ng\u2026 N\u1ebfu DN ch\u1ee9ng \u0111\u01b0\u1ee3c \u0111i\u1ec1u \u0111\u00f3 th\u00ec ng\u00e2n h\u00e0ng s\u1ebd tranh nhau cho vay ch\u1ee9 kh\u00f4ng ph\u1ea3i ch\u1ea7n ch\u1eeb. Ngo\u00e0i ra, c\u00f2n c\u00f3 r\u1ea3o c\u1ea3n l\u1edbn l\u00e0 t\u00e0i s\u1ea3n \u0111\u1ea3m b\u1ea3o. DNNVV th\u01b0\u1eddng c\u00f3 \u00edt t\u00e0i s\u1ea3n \u0111\u1ea3m b\u1ea3o nh\u1ea5t, n\u00ean r\u1ea5t kh\u00f3 t\u0103ng h\u1ea1n m\u1ee9c vay v\u1ed1n.<\/em><\/p>\n

V\u1edbi c\u00e2u h\u1ecfi c\u00e1c ch\u00ednh s\u00e1ch t\u00edn ch\u1ea5p c\u1ee7a Techcombank h\u1ed7 tr\u1ee3 cho DNNVV<\/a>\u00a0th\u1ebf n\u00e0o? G\u00f3i h\u1ed7 tr\u1ee3 c\u00e1c DN c\u00f4ng ngh\u1ec7 cao ra sao? L\u00e0m th\u1ebf n\u00e0o \u0111\u1ec3 DN c\u00f3 th\u1ec3 ti\u1ebfp c\u1eadn ngu\u1ed3n qu\u1ef9 th\u00f4ng qua ng\u00e2n h\u00e0ng? \u00d4ng Tr\u1ea7n Trung Ki\u00ean cho bi\u1ebft, Techcombank ti\u1ebfp c\u1eadn DN theo 2 c\u00e1ch th\u1ee9c: Cho vay s\u1ea3n ph\u1ea9m v\u00e0 cho vay th\u1ea5u chi. N\u1ebfu c\u00f3 t\u00e0i s\u1ea3n th\u1ebf ch\u1ea5p ph\u00f9 h\u1ee3p nh\u01b0ng kh\u00f4ng mu\u1ed1n tr\u00ecnh b\u00e0y ph\u01b0\u01a1ng \u00e1n chi tr\u1ea3, ch\u00fang t\u00f4i c\u00f3 th\u1ec3 gi\u1ea3i ng\u00e2n trong v\u00f2ng 3 ng\u00e0y. Ngo\u00e0i ra, ch\u00fang t\u00f4i c\u00f2n cho vay li\u00ean k\u1ebft. V\u00ed d\u1ee5 nh\u01b0 t\u00e0i tr\u1ee3 cho c\u00e1c \u0111\u1ea1i l\u00fd. Khi mua h\u00e0ng, c\u00e1c \u0111\u1ea1i l\u00fd ch\u1ec9 c\u1ea7n c\u00f3 h\u00f3a \u0111\u01a1n \u0111\u1eb7t h\u00e0ng v\u00e0 t\u00e0i s\u1ea3n \u0111\u1ea3m b\u1ea3o ch\u00ednh l\u00e0 h\u00e0ng h\u00f3a t\u1ea1i kho.<\/p>\n

V\u1edbi ch\u01b0\u01a1ng tr\u00ecnh h\u1ed7 tr\u1ee3 c\u00e1c DN c\u00f4ng ngh\u1ec7 cao, \u00f4ng Ki\u00ean cho bi\u1ebft, \u0111\u1ebfn th\u1eddi \u0111i\u1ec3m n\u00e0y ngu\u1ed3n qu\u1ef9 d\u00e0nh cho ch\u01b0\u01a1ng tr\u00ecnh n\u00e0y \u0111\u00e3 h\u1ebft n\u00ean Techcombank ch\u01b0a tri\u1ec3n khai ti\u1ebfp.<\/p>\n

Theo \u00f4ng Ki\u00ean, \u0111\u1ec3 DN c\u00f3 th\u1ec3 ti\u1ebfp c\u1ea7n ngu\u1ed3n qu\u1ef9 th\u00f4ng qua ng\u00e2n h\u00e0ng th\u00ec DN ph\u1ea3i \u0111\u01b0\u1ee3c qu\u1ef9 duy\u1ec7t t\u00e0i tr\u1ee3 v\u1ed1n. C\u1ee5 th\u1ec3, qu\u1ef9 giao cho ng\u00e2n h\u00e0ng ngu\u1ed3n v\u1ed1n, khi \u0111\u1ebfn ng\u00e2n h\u00e0ng, c\u00e1c g\u00f3i \u0111\u00f3 s\u1ebd \u0111\u01b0\u1ee3c nh\u00e2n vi\u00ean ng\u00e2n h\u00e0ng t\u01b0 v\u1ea5n r\u1ea5t c\u1ee5 th\u1ec3 cho kh\u00e1ch h\u00e0ng. Ngu\u1ed3n qu\u1ef9 n\u00e0y \u0111\u01b0\u1ee3c l\u1ed3ng v\u00e0o c\u00e1c g\u00f3i vay n\u00ean ch\u00fang t\u00f4i th\u01b0\u1eddng xuy\u00ean c\u00f4ng b\u1ed1 th\u00f4ng tin n\u00e0y tr\u00ean website hay c\u00e1c ph\u01b0\u01a1ng ti\u1ec7n truy\u1ec1n th\u00f4ng \u0111\u1ea1i ch\u00fang.<\/p>\n

Li\u00ean quan \u0111\u1ebfn th\u00f4ng tin v\u1ec1 c\u00e1c qu\u1ef9 h\u1ed7 tr\u1ee3 cho DNNVV t\u1ea1i Vi\u1ec7t Nam, \u00f4ng Ph\u1ea1m Ng\u1ecdc Long cho bi\u1ebft: Hi\u1ec7n nay, vi\u1ec7c vay ti\u1ec1n kh\u00f4ng c\u00f3 t\u00e0i s\u1ea3n \u0111\u1ea3m b\u1ea3o kh\u00f4ng c\u00f2n kh\u00f3 v\u00ec ng\u00e2n h\u00e0ng \u0111ang c\u1ea7n cho vay ti\u1ec1n, ph\u00e1p lu\u1eadt l\u1ea1i r\u1ea5t m\u1edf, c\u00f3 r\u1ea5t nhi\u1ec1u qu\u1ef9 c\u00f3 th\u1ec3 h\u1ed7 tr\u1ee3 \u0111\u01b0\u1ee3c c\u00e1c DN vay v\u1ed1n gi\u00e1 r\u1ebb th\u1eadm ch\u00ed c\u00f2n \u0111\u01b0\u1ee3c t\u00e0i tr\u1ee3 th\u00eam ti\u1ec1n n\u1ebfu DN ho\u1ea1t \u0111\u1ed9ng t\u1ed1t. Qu\u1ef9 n\u00e0y hi\u1ec7n \u0111ang n\u1eb1m \u1edf B\u1ed9 KHCN v\u00e0 C\u1ee5c Ti\u00eau chu\u1ea9n.<\/p>\n

B\u00ean c\u1ea1nh \u0111\u00f3, c\u00f2n c\u00f3 qu\u1ef9 ph\u00e1t tri\u1ec3n DNNVV. Qu\u1ef9 n\u00e0y d\u00e0nh cho t\u1ea5t c\u1ea3 c\u00e1c DNNVV vay v\u1edbi l\u00e3i su\u1ea5t b\u1eb1ng 90% l\u00e3i su\u1ea5t b\u00ecnh th\u01b0\u1eddng v\u00e0 c\u00f3 th\u1ec3 th\u1ea5p h\u01a1n trong th\u1eddi gian t\u1eeb 7-10 n\u0103m. T\u1ed5ng qu\u1ef9 l\u00e0 3.000 t\u1ef7 \u0111\u1ed3ng do 1 th\u00e0nh vi\u00ean Hi\u1ec7p h\u1ed9i DNNVV v\u00e0 4 th\u00e0nh vi\u00ean l\u00e0 DNNN qu\u1ea3n l\u00fd. \u0110i\u1ec3m \u0111\u1eb7c bi\u1ec7t c\u1ee7a qu\u1ef9 n\u00e0y l\u00e0 kh\u00f4ng quan t\u00e2m nhi\u1ec1u t\u1edbi t\u00e0i s\u1ea3n \u0111\u1ea3m b\u1ea3o m\u00e0 ch\u1ec9 quan t\u00e2m t\u1edbi ph\u01b0\u01a1ng \u00e1n kinh doanh.<\/p>\n

\u00d4ng Long cho bi\u1ebft, ch\u00ednh s\u00e1ch c\u1ee7a Vi\u1ec7t Nam th\u1eddi gian t\u1edbi s\u1ebd r\u1ea5t nhi\u1ec1u. V\u00ec v\u1eady, mu\u1ed1n ti\u1ebfp c\u1eadn \u0111\u01b0\u1ee3c, DN ph\u1ea3i d\u00e1m h\u00e0nh \u0111\u1ed9ng quy\u1ebft li\u1ec7t \u0111\u1ec3 \u0111\u1ea1t \u0111\u01b0\u1ee3c m\u1ee5c \u0111\u00edch.<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n

Do\u00e3n Hi\u1ec1n<\/strong><\/p>\n

—————<\/p>\n

Di\u1ec5n \u0111\u00e0n Doanh nghi\u1ec7p (T\u00e0i ch\u00ednh \u2013 Ng\u00e2n h\u00e0ng) 18-11-2014:<\/em><\/strong><\/p>\n

http:\/\/dddn.com.vn\/tai-chinh-ngan-hang\/nang-cao-kha-nang-tiep-can-von-cua-cac-dnnvv-201411180151236.htm<\/em><\/a><\/p>\n

(198\/3.298)<\/em>","protected":false},"excerpt":{"rendered":"

(D\u0110DN) \u2013 \u201cKh\u00f4ng c\u00f3 t\u00e0i s\u1ea3n \u0111\u1ea3m b\u1ea3o, nh\u01b0ng n\u1ebfu c\u00f3 ph\u01b0\u01a1ng \u00e1n kinh doanh kh\u1ea3 thi, c\u00e1c DNNVV ho\u00e0n to\u00e0n c\u00f3 th\u1ec3 ti\u1ebfp c\u1eadn ngu\u1ed3n v\u1ed1n vay \u01b0u \u0111\u00e3i t\u1eeb c\u00e1c ng\u00e2n h\u00e0ng c\u0169ng nh\u01b0 c\u00e1c qu\u1ef9 \u0111\u1ea7u t\u01b0\u201d. \u0110\u00e2y l\u00e0 kh\u1eb3ng \u0111\u1ecbnh c\u1ee7a \u0111\u1ea1i di\u1ec7n Hi\u1ec7p h\u1ed9i DNNVV Vi\u1ec7t Nam t\u1ea1i H\u1ed9i th\u1ea3o […]<\/p>\n","protected":false},"author":3,"featured_media":30227,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":""},"categories":[17,26],"tags":[],"class_list":["post-30223","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-binh-luan-gop-y","category-legal-media"],"acf":[],"yoast_head":"\n610. 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