{"id":30568,"date":"2017-10-04T15:29:05","date_gmt":"2017-10-04T08:29:05","guid":{"rendered":"https:\/\/anvilaw.com\/vi\/?p=30568"},"modified":"2022-07-05T22:38:13","modified_gmt":"2022-07-05T15:38:13","slug":"1-570","status":"publish","type":"post","link":"https:\/\/anvilaw.com\/vi\/1-570\/","title":{"rendered":"1.570. C\u00f3 n\u00ean \u00e1p tr\u1ea7n cho vay ti\u00eau d\u00f9ng?"},"content":{"rendered":"(VNB) – M\u1ed9t con s\u1ed1 \u0111\u00e1ng gi\u1eadt m\u00ecnh \u0111\u01b0\u1ee3c \u0111\u01b0a ra m\u1edbi \u0111\u00e2y t\u1ea1i cu\u1ed9c h\u1ed9i th\u1ea3o v\u1ec1 t\u00edn d\u1ee5ng cho vay ti\u00eau d\u00f9ng l\u00e0 l\u00e3i su\u1ea5t cho vay ti\u00eau d\u00f9ng c\u00f3 th\u1ec3 l\u00ean t\u1edbi 50%, th\u1eadm ch\u00ed c\u00f2n cao h\u01a1n c\u1ea3 m\u1ee9c cho vay \u201ct\u00edn d\u1ee5ng \u0111en\u201d.<\/strong><\/p>\n

Lu\u1eadt s\u01b0 Tr\u01b0\u01a1ng Thanh \u0110\u1ee9c cho r\u1eb1ng n\u1ebfu th\u1ecb tr\u01b0\u1eddng cho vay ti\u00eau d\u00f9ng th\u1ef1c s\u1ef1 ph\u00e1t tri\u1ec3n v\u00e0 c\u00f3 t\u00ednh c\u1ea1nh tranh cao, kh\u00f4ng nh\u1ea5t thi\u1ebft ph\u1ea3i \u0111\u1eb7t ra tr\u1ea7n l\u00e3i su\u1ea5t. Nh\u01b0ng v\u1edbi nh\u1eefng g\u00ec \u0111ang di\u1ec5n ra trong th\u1eddi gian v\u1eeba qua, c\u1ea7n ph\u1ea3i t\u00ednh \u0111\u1ebfn vi\u1ec7c \u00e1p tr\u1ea7n l\u00e3i su\u1ea5t t\u1ed1i \u0111a.<\/em><\/p>\n

L\u00e3i su\u1ea5t cho vay t\u1ed1i \u0111a ch\u1ec9 30%<\/strong><\/p>\n

S\u1ef1 gia t\u0103ng \u1ed3 \u1ea1t c\u1ee7a c\u00e1c c\u00f4ng ty t\u00e0i ch\u00ednh ti\u00eau d\u00f9ng c\u00f9ng vi\u1ec7c ch\u00fa tr\u1ecdng ph\u00e1t tri\u1ec3n m\u1ea3ng th\u1ecb tr\u01b0\u1eddng b\u1ea3n l\u1ebb, m\u00e0 ch\u1ee7 y\u1ebfu l\u00e0 t\u00edn d\u1ee5ng ti\u00eau d\u00f9ng mua nh\u00e0, \u00f4 t\u00f4, m\u00e1y t\u00ednh\u2026 c\u1ee7a c\u00e1c ng\u00e2n h\u00e0ng trong th\u1eddi gia qua \u0111ang cho th\u1ea5y \u0111\u00e2y l\u00e0 m\u1ea3nh \u0111\u1ea5t m\u00e0u m\u1ee1, ng\u00e0y c\u00e0ng b\u00f9ng n\u1ed5 v\u1edbi t\u1ed1c \u0111\u1ed9 t\u0103ng tr\u01b0\u1edfng nhanh.<\/p>\n

N\u0103m 2016, n\u1ebfu nh\u01b0 t\u1ed5ng d\u01b0 n\u1ee3 cho vay ti\u00eau d\u00f9ng ch\u1ea1m ng\u01b0\u1ee1ng 26,55 t\u1ef7 USD, th\u00ec ch\u1ec9 trong 5 th\u00e1ng \u0111\u1ea7u n\u0103m 2017, t\u00ednh ri\u00eang d\u01b0 n\u1ee3 cho vay ti\u00eau d\u00f9ng c\u1ee7a c\u00e1c t\u1ed5 ch\u1ee9c t\u00edn d\u1ee5ng (TCTD) \u0111\u00e3 chi\u1ebfm 15,17% t\u1ed5ng d\u01b0 n\u1ee3 to\u00e0n h\u1ec7 th\u1ed1ng, t\u01b0\u01a1ng \u0111\u01b0\u01a1ng kho\u1ea3ng 1 tri\u1ec7u t\u1ef7 \u0111\u1ed3ng.<\/p>\n

Tuy nhi\u00ean, \u0111\u1ec3 \u0111\u1ea1t \u0111\u01b0\u1ee3c con s\u1ed1 1 tri\u1ec7u t\u1ef7 \u0111\u1ed3ng v\u00e0o n\u0103m 2019 nh\u01b0 d\u1ef1 b\u00e1o c\u1ee7a c\u00f4ng ty Ch\u1ee9ng kho\u00e1n B\u1ea3n Vi\u1ec7t (VCSC), theo c\u00e1c chuy\u00ean gia, c\u1ea7n ph\u1ea3i th\u00e1o g\u1ee1 nh\u1eefng r\u00e0o c\u1ea3n v\u1ec1 l\u00e3i su\u1ea5t cho vay hi\u1ec7n nay.<\/p>\n

Tr\u00ean th\u1ef1c t\u1ebf, l\u00e3i su\u1ea5t hi\u1ec7n nay c\u1ee7a c\u00e1c c\u00f4ng ty t\u00e0i ch\u00ednh ti\u00eau d\u00f9ng r\u1ea5t cao,c\u00f3 nhi\u1ec1u tr\u01b0\u1eddng h\u1ee3p g\u1ea5p t\u1edbi 3 \u2013 4 l\u1ea7n l\u00e3i su\u1ea5t vay ng\u00e2n h\u00e0ng, th\u1eadm ch\u00ed b\u1eb1ng l\u00e3i su\u1ea5t \u201ct\u00edn d\u1ee5ng \u0111en\u201d.<\/p>\n

Li\u00ean quan \u0111\u1ebfn v\u1ea5n \u0111\u1ec1 n\u00e0y, lu\u1eadt s\u01b0 Tr\u01b0\u01a1ng Thanh \u0110\u1ee9c cho bi\u1ebft n\u1ebfu nh\u01b0 l\u00e3i su\u1ea5t qu\u00e1 cao v\u00e0 \u0111i\u1ec1u ki\u1ec7n tr\u1ea3 n\u1ee3 kh\u00f4ng kh\u1ea3 thi, s\u1ebd d\u1eabn \u0111\u1ebfn nh\u1eefng kh\u00f3 kh\u0103n, thi\u1ec7t th\u00f2i cho ng\u01b0\u1eddi \u0111i vay v\u00e0 d\u1ec5 b\u1ecb r\u01a1i v\u00e0o t\u00ecnh th\u1ebf v\u1ee1 n\u1ee3.<\/em><\/p>\n

\u0110i\u1ec1u n\u00e0y c\u0169ng s\u1ebd d\u1eabn \u0111\u1ebfn nguy c\u01a1 m\u1ea5t an to\u00e0n cho ch\u00ednh c\u00e1c TCTD ti\u00eau d\u00f9ng. \u201cM\u1ee9c l\u00e3i su\u1ea5t \u0111\u1ed1i v\u1edbi cho vay ti\u00eau d\u00f9ng t\u1ed1i \u0111a ch\u1ec9 n\u00ean l\u00e0 30%, c\u00f9ng l\u1eafm l\u00e0 40%\/n\u0103m, thay v\u00ec 50%, th\u1eadm ch\u00ed cao h\u01a1n nh\u01b0 l\u00e2u nay\u201d, \u00f4ng \u0110\u1ee9c \u0111\u1ec1 xu\u1ea5t.<\/em><\/p>\n

Theo \u00f4ng \u0110\u1ee9c, l\u00e3i su\u1ea5t l\u00e0 k\u1ebft qu\u1ea3 t\u01b0\u01a1ng \u0111\u1ed1i m\u1eb7c \u0111\u1ecbnh c\u1ee7a th\u1ecb tr\u01b0\u1eddng t\u00edn d\u1ee5ng, trong \u0111\u00f3 c\u00f3 v\u1ea5n \u0111\u1ec1 cung c\u1ea7u. V\u00ec v\u1eady, mu\u1ed1n gi\u1ea3m l\u00e3i su\u1ea5t ph\u1ea3i d\u1ef1a v\u00e0o th\u1ecb tr\u01b0\u1eddng ph\u00e1t tri\u1ec3n l\u00e0nh m\u1ea1nh, \u00edt r\u1ee7i ro. Song \u0111i\u1ec1u n\u00e0y ph\u1ee5 thu\u1ed9c v\u00e0o r\u1ea5t nhi\u1ec1u\u00a0y\u1ebfu t\u1ed1 v\u00e0 c\u00f3 t\u00ednh ch\u1ea5t l\u00e2u d\u00e0i.<\/em><\/p>\n

Hi\u1ec7n t\u1ea1i, B\u1ed9 Lu\u1eadt D\u00e2n s\u1ef1 quy \u0111\u1ecbnh l\u00e3i su\u1ea5t cho vay kh\u00f4ng qu\u00e1 20%\/n\u0103m trong khi l\u0129nh v\u1ef1c t\u00edn d\u1ee5ng ti\u00eau d\u00f9ng l\u1ea1i \u0111\u01b0\u1ee3c th\u1ea3 n\u1ed5i, nh\u01b0ng c\u0169ng kh\u00f4ng c\u00f3 l\u00fd do g\u00ec \u0111\u1ec3 v\u01b0\u1ee3t qu\u00e1 nhi\u1ec1u. \u201cV\u1edbi nh\u1eefng g\u00ec \u0111ang di\u1ec5n ra trong th\u1eddi gian v\u1eeba qua, c\u1ea7n ph\u1ea3i t\u00ednh \u0111\u1ebfn vi\u1ec7c \u00e1p tr\u1ea7n l\u00e3i su\u1ea5t t\u1ed1i \u0111a\u201d, \u00f4ng \u0110\u1ee9c n\u00f3i.<\/em><\/p>\n

\"\"
\nC\u00f3 n\u00ean \u00e1p tr\u1ea7n cho vay ti\u00eau d\u00f9ng?<\/em><\/p>\n

N\u1edbi l\u1ecfng th\u00eam quy ch\u1ebf huy \u0111\u1ed9ng<\/strong><\/p>\n

\u0110\u1ec1 xu\u1ea5t n\u00e0y c\u1ee7a \u00f4ng \u0110\u1ee9c nh\u1eadn nhi\u1ec1u ph\u1ea3n \u1ee9ng kh\u00f4ng \u0111\u1ed3ng thu\u1eadn. Ts. C\u1ea5n V\u0103n L\u1ef1c, chuy\u00ean gia t\u00e0i ch\u00ednh \u2013 ng\u00e2n h\u00e0ng, cho r\u1eb1ng: \u201cKh\u00f4ng n\u00ean \u00e1p d\u1ee5ng tr\u1ea7n l\u00e3i su\u1ea5t\u201d.<\/em><\/p>\n

\u00d4ng L\u1ef1c gi\u1ea3i th\u00edch: \u201cC\u00e1c n\u01b0\u1edbc \u0111\u00e3 ch\u1ee9ng minh r\u1eb1ng khi \u00e1p d\u1ee5ng tr\u1ea7n l\u00e3i su\u1ea5t s\u1ebd c\u00f3 t\u00e1c d\u1ee5ng ng\u01b0\u1ee3c v\u1edbi n\u1ec1n kinh t\u1ebf, g\u00e2y \u1ea3nh h\u01b0\u1edfng ti\u00eau c\u1ef1c. \u00c1p d\u1ee5ng tr\u1ea7n l\u00e3i su\u1ea5t s\u1ebd ch\u1eb7n d\u00f2ng v\u1ed1n \u0111\u1ed1i v\u1edbi ng\u01b0\u1eddi c\u00f3 nhu c\u1ea7u v\u00e0 l\u00e0 phi th\u1ecb tr\u01b0\u1eddng.<\/p>\n

Ch\u00fang ta \u0111ang gi\u1ea3m b\u1edbt c\u00e1c th\u1ee7 t\u1ee5c h\u00e0nh ch\u00ednh, kh\u00f4ng c\u00f3 l\u00fd do g\u00ec \u0111\u1ec3 ch\u00fang ta \u0111\u1eb7t tr\u1ea7n l\u00e3i su\u1ea5t\u201d.<\/p>\n

\u0110\u1ed3ng quan \u0111i\u1ec3m, \u00f4ng \u0110\u1ee9c cho r\u1eb1ng cho vay ti\u00eau d\u00f9ng c\u1ee7a c\u00f4ng ty t\u00e0i ch\u00ednh l\u00e0 m\u1ed9t ho\u1ea1t \u0111\u1ed9ng kinh doanh mang \u0111\u1eadm t\u00ednh th\u1ecb tr\u01b0\u1eddng, n\u00ean c\u1ea7n ph\u1ea3i \u0111i\u1ec1u ch\u1ec9nh b\u1eb1ng c\u01a1 ch\u1ebf th\u1ecb tr\u01b0\u1eddng. Nh\u01b0ng do hi\u1ec7n nay, s\u1ed1 l\u01b0\u1ee3ng c\u00f4ng ty t\u00e0i ch\u00ednh tham gia th\u1ecb tr\u01b0\u1eddng ch\u01b0a nhi\u1ec1u, vi\u1ec7c huy \u0111\u1ed9ng v\u1ed1n c\u00f2n h\u1ea1n ch\u1ebf khi\u1ebfn t\u00ednh c\u1ea1nh tranh ch\u01b0a cao, c\u00f2n ng\u01b0\u1eddi vay \u00edt c\u00f3 l\u1ef1a ch\u1ecdn.<\/em><\/p>\n

M\u1ed9t con s\u1ed1 \u0111\u00e1ng gi\u1eadt m\u00ecnh \u0111\u01b0\u1ee3c \u0111\u01b0a ra m\u1edbi \u0111\u00e2y t\u1ea1i cu\u1ed9c h\u1ed9i th\u1ea3o v\u1ec1 t\u00edn d\u1ee5ng cho vay ti\u00eau d\u00f9ng l\u00e0 l\u00e3i su\u1ea5t cho vay ti\u00eau d\u00f9ng c\u00f3 th\u1ec3 l\u00ean t\u1edbi 50%, th\u1eadm ch\u00ed c\u00f2n cao h\u01a1n c\u1ea3 m\u1ee9c cho vay \u201ct\u00edn d\u1ee5ng \u0111en\u201d.<\/p>\n

Th\u1ef1c t\u1ebf, ho\u1ea1t \u0111\u1ed9ng c\u1ee7a c\u00e1c c\u00f4ng ty t\u00e0i ch\u00ednh ti\u00eau d\u00f9ng \u00edt \u1ea3nh h\u01b0\u1edfng \u0111\u1ebfn s\u1ef1 an to\u00e0n c\u1ee7a h\u1ec7 th\u1ed1ng t\u00e0i ch\u00ednh, ti\u1ec1n t\u1ec7.<\/p>\n

V\u00ec v\u1eady, theo \u00f4ng \u0110\u1ee9c, n\u1ebfu kh\u00f4ng \u00e1p tr\u1ea7n l\u00e3i su\u1ea5t, ho\u1ea1t \u0111\u1ed9ng n\u00e0y c\u1ea7n \u0111\u01b0\u1ee3c n\u1edbi l\u1ecfng h\u01a1n, nh\u1ea5t l\u00e0 vi\u1ec7c huy \u0111\u1ed9ng v\u1ed1n c\u1ee7a c\u00e1c t\u1ed5 ch\u1ee9c kinh t\u1ebf, m\u00e0 kh\u00f4ng ph\u1ea3i c\u1ee7a c\u00f4ng ch\u00fang.<\/em><\/p>\n

\u0110\u1ed3ng th\u1eddi t\u1ea1o \u0111i\u1ec1u ki\u1ec7n cho c\u00e1c c\u00f4ng ty n\u00e0y \u0111\u1ea9y m\u1ea1nh vi\u1ec7c huy \u0111\u1ed9ng v\u1ed1n v\u00e0 t\u0103ng tr\u01b0\u1edfng cho vay. Vi\u1ec7c nhi\u1ec1u \u0111\u1ed1i t\u01b0\u1ee3ng c\u00f9ng tham gia v\u00e0o th\u1ecb tr\u01b0\u1eddng n\u00e0y s\u1ebd n\u00e2ng cao t\u00ednh c\u1ea1nh tranh, t\u1eeb \u0111\u00f3 l\u00e3i su\u1ea5t cho vay s\u1ebd t\u1ef1 \u0111i\u1ec1u ch\u1ec9nh gi\u1ea3m xu\u1ed1ng m\u1ee9c h\u1ee3p l\u00fd nh\u1ea5t.<\/p>\n

Theo c\u00e1c chuy\u00ean gia, t\u00edn d\u1ee5ng ti\u00eau d\u00f9ng \u0111ang v\u00e0 s\u1ebd l\u00e0 m\u1ed9t k\u00eanh b\u00e1n h\u00e0ng nhanh ch\u00f3ng, ti\u1ec7n l\u1ee3i, c\u00f3 hi\u1ec7u qu\u1ea3, r\u1ea5t ph\u00f9 h\u1ee3p v\u1edbi xu th\u1ebf ph\u00e1t tri\u1ec3n hi\u1ec7n \u0111\u1ea1i trong vi\u1ec7c n\u00e2ng cao ch\u1ea5t l\u01b0\u1ee3ng cu\u1ed9c s\u1ed1ng.<\/p>\n

Do \u0111\u00f3, c\u1ea7n ti\u1ebfp t\u1ee5c ho\u00e0n thi\u1ec7n theo h\u01b0\u1edbng c\u1ea3i c\u00e1ch m\u1ea1nh m\u1ebd, c\u1edfi m\u1edf, th\u00f4ng tho\u00e1ng Lu\u1eadt c\u00e1c TCTD v\u00e0 c\u00e1c v\u0103n b\u1ea3n d\u01b0\u1edbi lu\u1eadt quy \u0111\u1ecbnh v\u1ec1 ho\u1ea1t \u0111\u1ed9ng c\u1ee7a c\u00e1c c\u00f4ng ty t\u00edn d\u1ee5ng ti\u00eau d\u00f9ng.<\/em><\/p>\n

Th\u1eadm ch\u00ed, c\u1ea7n xem x\u00e9t c\u1ea3 kh\u1ea3 n\u0103ng \u0111\u01b0a c\u00f4ng ty t\u00e0i ch\u00ednh ti\u00eau d\u00f9ng ra kh\u1ecfi lo\u1ea1i h\u00ecnh TCTD \u0111\u1ec3 x\u00e1c \u0111\u1ecbnh l\u1ea1i \u0111\u00fang vai tr\u00f2 c\u1ee7a \u0111\u1ecbnh ch\u1ebf t\u00e0i ch\u00ednh n\u00e0y.<\/em><\/p>\n

\u201c\u0110\u00e3 \u0111\u1ebfn l\u00fac kh\u00f4ng ch\u1ec9 coi t\u00edn d\u1ee5ng ti\u00eau d\u00f9ng l\u00e0 ti\u00eau d\u00f9ng, m\u00e0 c\u1ea7n ph\u1ea3i coi \u0111\u00f3 c\u0169ng ch\u00ednh l\u00e0 m\u1ed9t d\u1ea1ng \u0111\u1eb7c bi\u1ec7t c\u1ee7a t\u00edn d\u1ee5ng h\u01b0\u1edbng t\u1edbi s\u1ea3n xu\u1ea5t, kinh doanh\u201d, \u00f4ng \u0110\u1ee9c n\u00f3i.<\/em><\/p>\n

Huy\u1ec1n Anh<\/strong><\/p>\n

——————<\/p>\n

Th\u1eddi b\u00e1o Kinh doanh (Ng\u00e2n h\u00e0ng) 04-10-2017:<\/em><\/strong><\/p>\n

http:\/\/thoibaokinhdoanh.vn\/Ngan-hang-5\/Co-nen-ap-tran-cho-vay-tieu-dung-41741.html<\/a><\/em><\/p>\n

(470\/1.054)<\/em>","protected":false},"excerpt":{"rendered":"

(VNB) – M\u1ed9t con s\u1ed1 \u0111\u00e1ng gi\u1eadt m\u00ecnh \u0111\u01b0\u1ee3c \u0111\u01b0a ra m\u1edbi \u0111\u00e2y t\u1ea1i cu\u1ed9c h\u1ed9i th\u1ea3o v\u1ec1 t\u00edn d\u1ee5ng cho vay ti\u00eau d\u00f9ng l\u00e0 l\u00e3i su\u1ea5t cho vay ti\u00eau d\u00f9ng c\u00f3 th\u1ec3 l\u00ean t\u1edbi 50%, th\u1eadm ch\u00ed c\u00f2n cao h\u01a1n c\u1ea3 m\u1ee9c cho vay \u201ct\u00edn d\u1ee5ng \u0111en\u201d. Lu\u1eadt s\u01b0 Tr\u01b0\u01a1ng Thanh \u0110\u1ee9c cho r\u1eb1ng […]<\/p>\n","protected":false},"author":10,"featured_media":30609,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":""},"categories":[17,26],"tags":[],"class_list":["post-30568","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-binh-luan-gop-y","category-legal-media"],"acf":[],"yoast_head":"\n1.570. 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