{"id":30353,"date":"2016-12-26T10:26:42","date_gmt":"2016-12-26T03:26:42","guid":{"rendered":"https:\/\/anvilaw.com\/vi\/?p=30353"},"modified":"2022-06-28T10:37:26","modified_gmt":"2022-06-28T03:37:26","slug":"1-176-ban-khoan-truoc-them-nam-moi","status":"publish","type":"post","link":"https:\/\/anvilaw.com\/vi\/1-176-ban-khoan-truoc-them-nam-moi\/","title":{"rendered":"1.176. B\u0103n kho\u0103n tr\u01b0\u1edbc th\u1ec1m n\u0103m m\u1edbi"},"content":{"rendered":"(TBNH) – <\/strong>T\u1eeb tu\u1ea7n t\u1edbi, B\u1ed9 lu\u1eadt D\u00e2n s\u1ef1 2015 ch\u00ednh th\u1ee9c c\u00f3 hi\u1ec7u l\u1ef1c. Th\u1ebf nh\u01b0ng, l\u00fac n\u00e0y c\u00e1c TCTD v\u1eabn \u0111ang l\u00fang t\u00fang trong vi\u1ec7c \u00e1p d\u1ee5ng l\u00e3i su\u1ea5t n\u00e0o \u0111\u1ec3 kh\u00f4ng vi ph\u1ea1m b\u1ed9 lu\u1eadt l\u1edbn n\u00e0y.\u00a0<\/strong><\/p>\n

Trong h\u1ed9i th\u1ea3o m\u1ed9t s\u1ed1 quy \u0111\u1ecbnh v\u1ec1 l\u00e3i su\u1ea5t c\u1ee7a B\u1ed9 lu\u1eadt D\u00e2n s\u1ef1 2015 do B\u1ed9 T\u01b0 ph\u00e1p t\u1ed5 ch\u1ee9c \u1edf TP.HCM ng\u00e0y 23\/12, \u0111\u1ea1i di\u1ec7n Techcombank cho bi\u1ebft, g\u1ea7n \u0111\u00e2y m\u1ed9t s\u1ed1 NHTM nh\u1eadn \u0111\u01b0\u1ee3c c\u00f4ng v\u0103n ph\u00fac \u0111\u00e1p c\u1ee7a NHNN x\u00e1c nh\u1eadn c\u00f3 th\u1ec3 \u00e1p d\u1ee5ng l\u00e3i su\u1ea5t cho vay tr\u00ean 20%\/n\u0103m. C\u00f4ng v\u0103n \u1ea5y c\u00f3 th\u1ec3 \u0111\u01b0\u1ee3c coi l\u00e0 v\u0103n b\u1ea3n ph\u00e1p l\u00fd th\u1ef1c hi\u1ec7n cho t\u1ea5t c\u1ea3 c\u00e1c NHTM \u00e1p d\u1ee5ng l\u00e3i su\u1ea5t cho vay khi B\u1ed9 lu\u1eadt D\u00e2n s\u1ef1 b\u1eaft \u0111\u1ea7u c\u00f3 hi\u1ec7u l\u1ef1c t\u1eeb n\u0103m m\u1edbi?<\/p>\n\n\n\n\n
\"\"<\/td>\n<\/tr>\n
L\u00e3i su\u1ea5t c\u1ea7n linh ho\u1ea1t theo t\u00edn hi\u1ec7u th\u1ecb tr\u01b0\u1eddng<\/em><\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n

L\u00e3i vay ti\u00eau d\u00f9ng cao h\u01a1n quy \u0111\u1ecbnh<\/strong><\/p>\n

Lu\u1eadt s\u01b0 Tr\u01b0\u01a1ng Thanh \u0110\u1ee9c,\u00a0<\/em>Gi\u00e1m \u0111\u1ed1c C\u00f4ng ty Lu\u1eadt ANVI,\u00a0<\/em>Ch\u1ee7 nhi\u1ec7m CLB Ph\u00e1p ch\u1ebf ng\u00e2n h\u00e0ng cho bi\u1ebft, m\u1ed9t s\u1ed1 c\u00e1c c\u00f4ng ty t\u00e0i ch\u00ednh ti\u00eau d\u00f9ng \u1edf TP.HCM hi\u1ec7n nay cho vay v\u1edbi l\u00e3i su\u1ea5t \u0111\u00e3 l\u00ean \u0111\u1ebfn 70%\/n\u0103m, n\u1ebfu ch\u1eadm tr\u1ea3 n\u1ee3, l\u00e3i ph\u00e1t sinh l\u00ean \u0111\u1ebfn 105%\/n\u0103m. Trong khi \u0111\u00f3 l\u00e3i su\u1ea5t tr\u1ea7n quy \u0111\u1ecbnh trong B\u1ed9 lu\u1eadt D\u00e2n s\u1ef1 l\u00e0 m\u1ee9c 20%\/n\u0103m.<\/em><\/p>\n

M\u1ed9t s\u1ed1 quan \u0111i\u1ec3m cho r\u1eb1ng, c\u00e1c c\u00f4ng ty t\u00e0i ch\u00ednh ti\u00eau d\u00f9ng kh\u00f4ng c\u00f3 ch\u1ee9c n\u0103ng huy \u0111\u1ed9ng v\u1ed1n tr\u1ef1c ti\u1ebfp t\u1eeb d\u00e2n c\u01b0, h\u1ecd ch\u1ec9 \u0111\u01b0\u1ee3c ph\u00e1t h\u00e0nh gi\u1ea5y t\u1edd c\u00f3 gi\u00e1 t\u1edbi c\u00e1c t\u1ed5 ch\u1ee9c kinh t\u1ebf. Trong \u0111\u00f3, l\u01b0\u1ee3ng tr\u00e1i phi\u1ebfu c\u1ee7a c\u00e1c c\u00f4ng ty t\u00e0i ch\u00ednh ti\u00eau d\u00f9ng \u0111\u01b0\u1ee3c c\u00e1c NHTM mua r\u1ea5t l\u1edbn, n\u00ean gi\u00e1 v\u1ed1n \u0111\u1ea7u v\u00e0o c\u1ee7a c\u00e1c c\u00f4ng ty n\u00e0y cao h\u01a1n h\u1eb3n so v\u1edbi l\u00e3i su\u1ea5t cho vay ti\u00eau d\u00f9ng \u1edf NHTM.<\/p>\n

\u1ede g\u00f3c kh\u00e1c, ng\u01b0\u1eddi ti\u00eau d\u00f9ng cho r\u1eb1ng th\u1eddi gian qua, m\u1ed9t s\u1ed1 NHTM ph\u00e1t h\u00e0nh ho\u1eb7c l\u00e0m \u0111\u1ea1i l\u00fd ph\u00e1t h\u00e0nh c\u00e1c lo\u1ea1i th\u1ebb ghi n\u1ee3, nh\u01b0ng kh\u00f4ng h\u01b0\u1edbng d\u1eabn ch\u1ee7 th\u1ebb nguy\u00ean t\u1eafc vay v\u1ed1n qua th\u1ebb.<\/p>\n

Th\u1ef1c t\u1ebf, cho vay ti\u00eau d\u00f9ng qua ph\u00e1t h\u00e0nh th\u1ebb hi\u1ec7n nay l\u00e0 nh\u1eefng kho\u1ea3n vay kh\u00f4ng c\u00f3 t\u00e0i s\u1ea3n \u0111\u1ea3m b\u1ea3o, th\u1eddi h\u1ea1n vay ng\u1eafn v\u00e0 l\u00e3i su\u1ea5t c\u00e1c kho\u1ea3n vay n\u00e0y \u0111\u01b0\u1ee3c b\u00ean cho vay t\u00ednh g\u1ed9p t\u1ea5t c\u1ea3 c\u00e1c chi ph\u00ed, trong \u0111\u00f3 c\u00f3 chi ph\u00ed r\u1ee7i ro m\u1ea5t v\u1ed1n n\u00ean l\u00e3i su\u1ea5t th\u01b0\u1eddng cao h\u01a1n so v\u1edbi l\u00e3i su\u1ea5t cho vay c\u00f3 t\u00e0i s\u1ea3n \u0111\u1ea3m b\u1ea3o. B\u00e0 Tr\u01b0\u01a1ng Th\u1ecb Di\u1ec7u Th\u00fay, V\u0103n ph\u00f2ng Qu\u1ed1c h\u1ed9i cho r\u1eb1ng, trong n\u0103m t\u1edbi, khi B\u1ed9 lu\u1eadt D\u00e2n s\u1ef1 c\u00f3 hi\u1ec7u l\u1ef1c, th\u00ec s\u1ebd l\u00e0 c\u01a1 h\u1ed9i cho ng\u00e0nh Ng\u00e2n h\u00e0ng minh b\u1ea1ch h\u00f3a c\u00e1c lo\u1ea1i l\u00e3i su\u1ea5t cho vay ti\u00eau d\u00f9ng qua ph\u00e1t h\u00e0nh th\u1ebb b\u1eb1ng c\u00e1c quy \u0111\u1ecbnh ph\u00e1p lu\u1eadt \u0111\u1ec3 b\u1ea3o v\u1ec7 ng\u01b0\u1eddi ti\u00eau d\u00f9ng.<\/p>\n

S\u1ebd l\u00e0 l\u00e3i su\u1ea5t n\u00e0o?<\/strong><\/p>\n

T\u1eeb tu\u1ea7n t\u1edbi, B\u1ed9 lu\u1eadt D\u00e2n s\u1ef1 2015 ch\u00ednh th\u1ee9c c\u00f3 hi\u1ec7u l\u1ef1c. Th\u1ebf nh\u01b0ng, l\u00fac n\u00e0y c\u00e1c TCTD v\u1eabn \u0111ang l\u00fang t\u00fang trong vi\u1ec7c \u00e1p d\u1ee5ng l\u00e3i su\u1ea5t n\u00e0o \u0111\u1ec3 kh\u00f4ng vi ph\u1ea1m b\u1ed9 lu\u1eadt l\u1edbn n\u00e0y. B\u1edfi v\u00ec, trong khi Lu\u1eadt C\u00e1c TCTD n\u0103m 2010 cho ph\u00e9p c\u00e1c TCTD \u0111\u01b0\u1ee3c th\u1ecfa thu\u1eadn l\u00e3i su\u1ea5t, B\u1ed9 Lu\u1eadt D\u00e2n s\u1ef1 l\u1ea1i quy \u0111\u1ecbnh l\u00e3i su\u1ea5t cho vay kh\u00f4ng qu\u00e1 20%\/n\u0103m.<\/p>\n

Nhi\u1ec1u \u00fd ki\u1ebfn d\u1eabn ch\u1ee9ng vi\u1ec7c h\u1ec7 th\u1ed1ng \u201ct\u00edn d\u1ee5ng \u0111en\u201d cho vay v\u1edbi l\u00e3i su\u1ea5t c\u1eaft c\u1ed5 v\u1eabn c\u00f2n l\u00e9n l\u00fat t\u1ed3n t\u1ea1i trong x\u00e3 h\u1ed9i. C\u00e1c lu\u1eadt s\u01b0 th\u00ec nh\u1ea5n m\u1ea1nh th\u1ef1c t\u1ebf, ch\u1ebf t\u00e0i x\u1eed l\u00fd h\u00e0nh vi n\u00e0y c\u0169ng ch\u01b0a \u0111\u1ee7 m\u1ea1nh \u0111\u1ec3 b\u1ea3o v\u1ec7 ng\u01b0\u1eddi ngh\u00e8o. TS. Nguy\u1ec5n Tr\u00ed Hi\u1ebfu cho r\u1eb1ng \u1ea5n \u0111\u1ecbnh m\u1ee9c l\u00e3i su\u1ea5t 20%\/n\u0103m trong B\u1ed9 lu\u1eadt D\u00e2n s\u1ef1 l\u00e0 r\u1ea5t b\u00f3 bu\u1ed9c. B\u1edfi trong nh\u1eefng n\u0103m qua, c\u00e1c TCTD \u0111ang th\u1ef1c hi\u1ec7n vi\u1ec7c c\u1ea5p t\u00edn d\u1ee5ng theo Lu\u1eadt C\u00e1c TCTD hi\u1ec7n h\u00e0nh, trong \u0111\u00f3 l\u00e3i su\u1ea5t \u0111\u01b0\u1ee3c th\u1ecfa thu\u1eadn gi\u1eefa ng\u01b0\u1eddi vay v\u00e0 b\u00ean cho vay.<\/p>\n

L\u00e3i su\u1ea5t c\u00f2n l\u00e0 c\u00f4ng c\u1ee5 c\u1ee7a nh\u00e0 \u0111i\u1ec1u h\u00e0nh, n\u1ebfu n\u1ec1n kinh t\u1ebf c\u00f3 l\u1ea1m ph\u00e1t t\u0103ng cao NHNN c\u00f3 th\u1ec3 t\u0103ng l\u00e3i su\u1ea5t \u0111\u1ec3 thu h\u00fat ti\u1ec1n t\u1eeb l\u01b0u th\u00f4ng v\u1ec1. L\u00e3i su\u1ea5t c\u00f2n c\u00f3 y\u1ebfu t\u1ed1 \u0111\u1ecbnh h\u01b0\u1edbng c\u00e1c kho\u1ea3n vay trong nh\u1eefng ch\u01b0\u01a1ng tr\u00ecnh k\u00edch th\u00edch kinh t\u1ebf c\u1ee7a Ch\u00ednh ph\u1ee7. Ch\u01b0a k\u1ec3, n\u00f3 c\u00f2n l\u00e0 c\u00f4ng c\u1ee5 \u0111\u1ec3 c\u00e2n b\u1eb1ng t\u1ef7 gi\u00e1 VND \u0111\u1ed1i v\u1edbi t\u1eebng th\u1eddi k\u1ef3 trong \u1ed5n \u0111\u1ecbnh v\u0129 m\u00f4. Ch\u1eb3ng h\u1ea1n, v\u1edbi l\u00e3i su\u1ea5t ti\u1ec1n g\u1eedi USD b\u1eb1ng 0%, th\u00ec m\u1ed9t l\u01b0\u1ee3ng l\u1edbn ngo\u1ea1i t\u1ec7 \u0111\u00e3 \u0111\u01b0\u1ee3c chuy\u1ec3n \u0111\u1ed5i ra VND \u0111\u1ec3 g\u1eedi ti\u1ebft ki\u1ec7m l\u1ea5y l\u00e3i. Ch\u00ednh s\u00e1ch kh\u00f4ng tr\u1ea3 l\u00e3i \u0111\u1ed1i v\u1edbi USD trong h\u1ec7 th\u1ed1ng ng\u00e2n h\u00e0ng \u0111\u00e3 n\u00e2ng t\u1ef7 l\u1ec7 n\u1eafm gi\u1eef VND trong d\u00e2n nhi\u1ec1u l\u00ean v\u00e0 l\u00e0m gi\u1ea3m r\u1ea5t nhanh t\u1ef7 l\u1ec7 n\u1eafm gi\u1eef v\u00e0ng, ngo\u1ea1i t\u1ec7 trong n\u1ec1n kinh t\u1ebf.<\/p>\n

L\u00e3i su\u1ea5t kh\u00f4ng ch\u1ec9 l\u00e0 c\u00f4ng c\u1ee5 c\u1ee7a ch\u00ednh s\u00e1ch ti\u1ec1n t\u1ec7, m\u00e0 c\u00f2n ph\u1ea3n \u00e1nh s\u1ee9c kho\u1ebb c\u1ee7a c\u1ea3 n\u1ec1n kinh t\u1ebf khi Ch\u00ednh ph\u1ee7 ph\u00e1t h\u00e0nh tr\u00e1i phi\u1ebfu ra th\u1ecb tr\u01b0\u1eddng qu\u1ed1c t\u1ebf. Theo \u0111\u00f3, h\u1ec7 th\u1ed1ng t\u00e0i ch\u00ednh-ti\u1ec1n t\u1ec7-ng\u00e2n h\u00e0ng, ch\u1ee9ng kho\u00e1n, b\u1ea3o hi\u1ec3m trong n\u01b0\u1edbc s\u1ebd l\u1ea5y l\u00e3i su\u1ea5t tr\u00e1i phi\u1ebfu Ch\u00ednh ph\u1ee7 nh\u01b0 m\u1ed9t x\u01b0\u01a1ng s\u1ed1ng \u0111\u1ec3 \u0111\u01b0a ra c\u00e1c m\u1ee9c l\u00e3i su\u1ea5t ph\u00f9 h\u1ee3p. Tr\u1ea7n l\u00e3i su\u1ea5t 20%\/n\u0103m trong B\u1ed9 lu\u1eadt D\u00e2n s\u1ef1 n\u00ean ch\u0103ng \u0111i\u1ec1u ch\u1ec9nh trong c\u00e1c quan h\u1ec7 t\u00edn d\u1ee5ng phi ng\u00e2n h\u00e0ng?<\/p>\n

Theo \u0111\u1ea1i di\u1ec7n v\u0103n ph\u00f2ng Qu\u1ed1c h\u1ed9i, trong tr\u01b0\u1eddng h\u1ee3p n\u1ec1n kinh t\u1ebf c\u00f3 bi\u1ebfn \u0111\u1ed9ng b\u1ea5t th\u01b0\u1eddng, Ch\u00ednh ph\u1ee7 c\u00f3 th\u1ec3 \u0111\u1ec7 tr\u00ecnh \u1ee6y ban Th\u01b0\u1eddng v\u1ee5 Qu\u1ed1c h\u1ed9i xem x\u00e9t g\u1ee1 b\u1ecf tr\u1ea7n l\u00e3i su\u1ea5t 20%\/n\u0103m trong B\u1ed9 Lu\u1eadt D\u00e2n s\u1ef1.<\/p>\n

\u0110\u00ecnh H\u1ea3i<\/strong><\/p>\n

\u2014\u2014\u2014\u2014\u2014\u2013<\/p>\n

Th\u1eddi b\u00e1o Ng\u00e2n h\u00e0ng (T\u00e0i ch\u00ednh \u2013 Ti\u1ec1n t\u1ec7) 26-12-2016:<\/em><\/strong><\/p>\n

http:\/\/thoibaonganhang.vn\/ban-khoan-truoc-them-nam-moi-57756.html<\/a><\/em><\/p>\n

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

(TBNH) – T\u1eeb tu\u1ea7n t\u1edbi, B\u1ed9 lu\u1eadt D\u00e2n s\u1ef1 2015 ch\u00ednh th\u1ee9c c\u00f3 hi\u1ec7u l\u1ef1c. Th\u1ebf nh\u01b0ng, l\u00fac n\u00e0y c\u00e1c TCTD v\u1eabn \u0111ang l\u00fang t\u00fang trong vi\u1ec7c \u00e1p d\u1ee5ng l\u00e3i su\u1ea5t n\u00e0o \u0111\u1ec3 kh\u00f4ng vi ph\u1ea1m b\u1ed9 lu\u1eadt l\u1edbn n\u00e0y.\u00a0 Trong h\u1ed9i th\u1ea3o m\u1ed9t s\u1ed1 quy \u0111\u1ecbnh v\u1ec1 l\u00e3i su\u1ea5t c\u1ee7a B\u1ed9 lu\u1eadt D\u00e2n s\u1ef1 […]<\/p>\n","protected":false},"author":3,"featured_media":30354,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":""},"categories":[17,26],"tags":[],"class_list":["post-30353","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-binh-luan-gop-y","category-legal-media"],"acf":[],"yoast_head":"\n1.176. 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