{"id":31578,"date":"2011-10-07T15:02:47","date_gmt":"2011-10-07T08:02:47","guid":{"rendered":"https:\/\/anvilaw.com\/vi\/?p=31578"},"modified":"2022-07-05T07:02:43","modified_gmt":"2022-07-05T00:02:43","slug":"244a-tin-dung-2012-chat-che-va-co-trong-diem","status":"publish","type":"post","link":"https:\/\/anvilaw.com\/vi\/244a-tin-dung-2012-chat-che-va-co-trong-diem\/","title":{"rendered":"244a. T\u00edn d\u1ee5ng 2012: Ch\u1eb7t ch\u1ebd v\u00e0 c\u00f3 tr\u1ecdng \u0111i\u1ec3m"},"content":{"rendered":"<strong>(TN) &#8211; T\u00edn d\u1ee5ng 2012 s\u1ebd ch\u1eb7t ch\u1ebd v\u00e0 c\u00f3 tr\u1ecdng \u0111i\u1ec3m tr\u00e1nh t\u00ecnh tr\u1ea1ng c\u00e0o b\u1eb1ng ch\u1ec9 ti\u00eau t\u0103ng tr\u01b0\u1edfng, h\u1ea1n ch\u1ebf nh\u1ea5t \u0111\u1ecbnh s\u1ef1 ph\u00e2n b\u1ed5 ngu\u1ed3n v\u1ed1n trong h\u1ec7 th\u1ed1ng.<\/strong><\/p>\n<p><img loading=\"lazy\" decoding=\"async\" class=\"alignnone size-full wp-image-31579 img-fluid img-fluid\" src=\"https:\/\/anvilaw.com\/wp-content\/uploads\/2022\/07\/244.jpg\" alt=\"\" width=\"400\" height=\"263\" \/><\/p>\n<p>\u0110\u00f3 l\u00e0 \u0111\u1ecbnh h\u01b0\u1edbng ho\u1ea1t \u0111\u1ed9ng c\u1ee7a ng\u00e0nh ng\u00e2n h\u00e0ng trong n\u0103m 2012 s\u1ebd \u0111\u01b0\u1ee3c Ng\u00e2n h\u00e0ng Nh\u00e0 n\u01b0\u1edbc th\u00f4ng b\u00e1o ch\u00ednh th\u1ee9c v\u00e0o kho\u1ea3ng \u0111\u1ea7u th\u00e1ng 11\/2011.<\/p>\n<p>\u0110i\u1ec3m n\u1ed5i b\u1eadt trong \u0111\u1ecbnh h\u01b0\u1edbng l\u00e0 c\u00e1c ch\u1ec9 ti\u00eau t\u0103ng tr\u01b0\u1edfng s\u1ebd \u0111\u01b0\u1ee3c x\u00e1c \u0111\u1ecbnh ph\u00f9 h\u1ee3p v\u1edbi tr\u1ea1ng th\u00e1i ho\u1ea1t \u0111\u1ed9ng c\u1ee7a t\u1eebng ng\u00e2n h\u00e0ng \u0111\u1ec3 t\u1ea1o thu\u1eadn l\u1ee3i cho vi\u1ec7c l\u1eadp k\u1ebf ho\u1ea1ch ho\u1ea1t \u0111\u1ed9ng c\u1ee7a c\u00e1c t\u1ed5 ch\u1ee9c t\u00edn d\u1ee5ng.<\/p>\n<p>Theo \u0111\u00f3, \u1edf ch\u1ec9 ti\u00eau t\u1ed5ng th\u1ec3, c\u00f3 th\u1ec3 Ng\u00e2n h\u00e0ng Nh\u00e0 n\u01b0\u1edbc v\u1eabn x\u00e1c \u0111\u1ecbnh m\u1ed9t gi\u1edbi h\u1ea1n nh\u1ea5t \u0111\u1ecbnh, nh\u01b0ng v\u1edbi m\u1ed7i t\u1ed5 ch\u1ee9c t\u00edn d\u1ee5ng s\u1ebd c\u00f3 s\u1ef1 linh ho\u1ea1t ph\u00f9 h\u1ee3p v\u1edbi y\u00eau c\u1ea7u v\u00e0 th\u1ef1c t\u1ebf ho\u1ea1t \u0111\u1ed9ng c\u1ee7a t\u1ed5 ch\u1ee9c \u0111\u00f3.<\/p>\n<p>C\u00f9ng v\u1edbi \u0111\u00f3, Ng\u00e2n h\u00e0ng Nh\u00e0 n\u01b0\u1edbc cho bi\u1ebft c\u0169ng \u0111ang ph\u1ed1i h\u1ee3p v\u1edbi c\u00e1c b\u1ed9, ng\u00e0nh li\u00ean quan kh\u1ea9n tr\u01b0\u01a1ng nghi\u00ean c\u1ee9u, r\u00e0 so\u00e1t \u0111\u1ec3 c\u00f4ng b\u1ed1 m\u1ed9t s\u1ed1 \u0111\u1ed1i t\u01b0\u1ee3ng kh\u00f4ng n\u1eb1m trong danh m\u1ee5c c\u00e1c ng\u00e0nh phi s\u1ea3n xu\u1ea5t, t\u1ea1o \u0111i\u1ec1u ki\u1ec7n v\u1ec1 l\u00e3i su\u1ea5t cho vay.<\/p>\n<p>Trong n\u0103m 2011, Ng\u00e2n h\u00e0ng Nh\u00e0 n\u01b0\u1edbc \u0111\u01b0a ra ch\u1ec9 ti\u00eau \u0111\u1ecbnh h\u01b0\u1edbng t\u0103ng tr\u01b0\u1edfng t\u00edn d\u1ee5ng c\u1ee7a h\u1ec7 th\u1ed1ng c\u1ea3 n\u0103m l\u00e0 d\u01b0\u1edbi 20%. \u0110\u00e2y c\u0169ng l\u00e0 gi\u1edbi h\u1ea1n \u00e1p d\u1ee5ng chung cho t\u1ea5t c\u1ea3 c\u00e1c t\u1ed5 ch\u1ee9c t\u00edn d\u1ee5ng. Nhi\u1ec1u ng\u00e2n h\u00e0ng th\u01b0\u01a1ng m\u1ea1i th\u1eddi gian qua \u0111\u00e3 c\u00f3 \u00fd ki\u1ebfn c\u1ea7n xem x\u00e9t l\u1ea1i quy \u0111\u1ecbnh n\u00e0y, do \u0111\u1eb7c th\u00f9 ho\u1ea1t \u0111\u1ed9ng c\u1ee7a m\u1ed7i th\u00e0nh vi\u00ean l\u00e0 kh\u00e1c nhau.<\/p>\n<p>Gi\u1edbi h\u1ea1n t\u0103ng tr\u01b0\u1edfng t\u00edn d\u1ee5ng d\u01b0\u1edbi 20% kh\u00f4ng ph\u00f9 h\u1ee3p v\u1edbi m\u1ed9t s\u1ed1 ng\u00e2n h\u00e0ng th\u01b0\u01a1ng m\u1ea1i v\u1eeba t\u0103ng m\u1ea1nh v\u1ed1n \u0111i\u1ec1u l\u1ec7, quy m\u00f4 v\u1eeba m\u1edf r\u1ed9ng trong khi d\u01b0 n\u1ee3 trong n\u0103m 2010 \u1edf m\u1ee9c th\u1ea5p n\u00ean c\u1ea7n m\u1ed9t m\u1ee9c t\u0103ng tr\u01b0\u1edfng cao h\u01a1n \u0111\u1ec3 c\u00e2n \u0111\u1ed1i. C\u00f3 th\u00e0nh vi\u00ean \u0111\u00e3 \u0111\u1ec1 xu\u1ea5t \u0111\u01b0\u1ee3c t\u0103ng tr\u01b0\u1edfng t\u1edbi 100% ho\u1eb7c 50%; hay t\u1eeb \u0111\u1ea7u n\u0103m nhi\u1ec1u ng\u00e2n h\u00e0ng \u0111\u00e3 l\u00ean k\u1ebf ho\u1ea1ch t\u0103ng tr\u01b0\u1edfng d\u1ef1 ki\u1ebfn cao h\u01a1n nhi\u1ec1u so v\u1edbi gi\u1edbi h\u1ea1n \u0111\u00f3 theo y\u00eau c\u1ea7u c\u00e2n \u0111\u1ed1i trong kinh doanh nh\u01b0ng bu\u1ed9c ph\u1ea3i \u0111i\u1ec1u ch\u1ec9nh l\u1ea1i\u2026<\/p>\n<p>B\u00ean c\u1ea1nh \u0111\u00f3, v\u1edbi gi\u1edbi h\u1ea1n t\u0103ng tr\u01b0\u1edfng t\u00edn d\u1ee5ng c\u00e0o b\u1eb1ng nh\u01b0 v\u1eady, c\u00f3 nh\u1eefng ng\u00e2n h\u00e0ng c\u00f3 c\u00e1c h\u1ec7 s\u1ed1 an to\u00e0n cao, ti\u1ec1m l\u1ef1c v\u1ed1n m\u1ea1nh nh\u01b0ng kh\u00f4ng th\u1ec3 \u0111\u1ea9y m\u1ea1nh cho vay d\u1eabn \u0111\u1ebfn h\u1ea1n ch\u1ebf s\u1ef1 ph\u00e2n b\u1ed5 ngu\u1ed3n l\u1ef1c v\u1ed1n trong h\u1ec7 th\u1ed1ng.<\/p>\n<p><em>Chuy\u00ean gia Tr\u01b0\u01a1ng Thanh \u0110\u1ee9c &#8211; Hi\u1ec7p h\u1ed9i Ng\u00e2n h\u00e0ng VN cho r\u1eb1ng, vi\u1ec7c gi\u1ea3m ch\u1ec9 ti\u00eau t\u0103ng tr\u01b0\u1edfng t\u00edn d\u1ee5ng n\u0103m l\u00e0 c\u1ea7n thi\u1ebft, nh\u01b0ng gi\u1ea3m theo c\u00e1ch c\u00e0o b\u1eb1ng gi\u1eefa c\u00e1c ng\u00e2n h\u00e0ng nh\u01b0 hi\u1ec7n nay s\u1ebd b\u1ea5t l\u1ee3i c\u1ea3 cho ng\u00e0nh ng\u00e2n h\u00e0ng v\u00e0 n\u1ec1n kinh t\u1ebf.<\/em><\/p>\n<p>\u0110i\u1ec1u ch\u1ec9nh t\u0103ng tr\u01b0\u1edfng t\u00edn d\u1ee5ng (TTTD), m\u1ed9t trong nh\u1eefng bi\u1ec7n ph\u00e1p ki\u1ec3m so\u00e1t l\u1ea1m ph\u00e1t, nh\u01b0ng ngo\u00e0i h\u1ea1n ch\u1ebf quy m\u00f4 TTTD, \u0111\u00f2i h\u1ecfi ki\u1ec3m so\u00e1t nhi\u1ec1u l\u0129nh v\u1ef1c kh\u00e1c, nh\u01b0 gi\u1ea3m \u0111\u1ea7u t\u01b0 c\u00f4ng. M\u1ee5c ti\u00eau gi\u1ea3m TTTD l\u00e0 c\u1ea7n thi\u1ebft, nh\u01b0ng gi\u1ea3m theo c\u00e1ch c\u00e0o b\u1eb1ng gi\u1eefa t\u1ea5t c\u1ea3 c\u00e1c ng\u00e2n h\u00e0ng (NH) nh\u01b0 hi\u1ec7n nay th\u00ec l\u1ea1i l\u00e0 v\u1ea5n \u0111\u1ec1. N\u00f3 s\u1ebd g\u00e2y b\u1ea5t l\u1ee3i cho ng\u00e0nh NH v\u00e0 c\u1ea3 n\u1ec1n kinh t\u1ebf, n\u1ebfu ch\u1ec9 kh\u1ed1ng ch\u1ebf b\u1eb1ng con s\u1ed1, m\u00e0 kh\u00f4ng nh\u1eb1m t\u1edbi hi\u1ec7u qu\u1ea3 d\u1ecbch chuy\u1ec3n c\u1ee7a d\u00f2ng ti\u1ec1n c\u0169ng nh\u01b0 t\u0103ng ch\u1ea5t l\u01b0\u1ee3ng t\u00edn d\u1ee5ng.<\/p>\n<p>Vi\u1ec7c gi\u1ea3m TTTD l\u00e0 r\u1ea5t kh\u00f3 cho c\u00e1c NH, b\u1edfi ph\u1ea3i ch\u1ecbu s\u1ee9c \u00e9p v\u1ec1 y\u00eau c\u1ea7u t\u0103ng tr\u01b0\u1edfng v\u00e0 t\u1ef7 l\u1ec7 c\u1ed5 t\u1ee9c t\u00ednh tr\u00ean s\u1ed1 v\u1ed1n \u0111i\u1ec1u l\u1ec7, m\u00e0 s\u1ed1 v\u1ed1n n\u00e0y hi\u1ec7n t\u0103ng l\u00ean r\u1ea5t l\u1edbn. M\u1eb7t kh\u00e1c, nhu c\u1ea7u vay v\u1ed1n c\u1ee7a DN \u0111ang r\u1ea5t l\u1edbn. Do \u0111\u00f3, c\u00e1c NH c\u0169ng ph\u1ea3i ch\u1ea1y \u0111ua m\u1edf chi nh\u00e1nh, l\u00f4i k\u00e9o kh\u00e1ch h\u00e0ng, d\u1eabn \u0111\u1ebfn c\u1ea1nh tranh kh\u00f4ng l\u00e0nh m\u1ea1nh, \u0111\u1ea9y l\u00e3i su\u1ea5t cao th\u00eam, ch\u1ea5t l\u01b0\u1ee3ng t\u00edn d\u1ee5ng kh\u00f4ng b\u1ea3o \u0111\u1ea3m.<\/p>\n<p><em>Theo Chuy\u00ean gia Tr\u01b0\u01a1ng Thanh \u0110\u1ee9c, s\u1edf d\u0129 c\u00f3 t\u00ecnh tr\u1ea1ng n\u00e0y l\u00e0 do s\u1ef1 d\u1ed3n n\u00e9n b\u1ea5t c\u1eadp trong nhi\u1ec1u n\u0103m, t\u1eeb vi\u1ec7c thi\u1ebfu \u0111\u1ecbnh h\u01b0\u1edbng chu\u1ea9n, c\u01a1 ch\u1ebf kh\u00f4ng d\u1ee9t kho\u00e1t \u2026 \u0111\u1ebfn vi\u1ec7c s\u1eed d\u1ee5ng qu\u00e1 nhi\u1ec1u bi\u1ec7n ph\u00e1p ch\u1ec9 \u0111\u1ea1o h\u00e0nh ch\u00ednh thay cho c\u00f4ng c\u1ee5 th\u1ecb tr\u01b0\u1eddng. C\u1ee5 th\u1ec3, mu\u1ed1n gi\u1ea3m TTTD \u0111\u1ec3 gi\u1ea3m l\u1ea1m ph\u00e1t, th\u00ec ph\u1ea3i ch\u1ea5p nh\u1eadn t\u0103ng l\u00e3i su\u1ea5t, ch\u1ee9 kh\u00f4ng th\u1ec3 \u0111\u1ec1 cao c\u1ea3 hai m\u1ee5c ti\u00eau gi\u1ea3m l\u1ea1m ph\u00e1t \u0111\u1ed3ng th\u1eddi v\u1edbi y\u00eau c\u1ea7u gi\u1ea3m l\u00e3i su\u1ea5t. T\u00edn d\u1ee5ng NH l\u00e0 ho\u1ea1t \u0111\u1ed9ng kinh t\u1ebf th\u1ecb tr\u01b0\u1eddng \u0111i\u1ec3n h\u00ecnh, v\u00ec v\u1eady mu\u1ed1n \u0111i\u1ec1u ch\u1ec9nh n\u00f3, c\u1ea7n ph\u1ea3i \u01b0u ti\u00ean s\u1eed d\u1ee5ng c\u00e1c c\u00f4ng c\u1ee5 kinh t\u1ebf, ch\u1ee9 kh\u00f4ng n\u00ean kh\u1ed1ng ch\u1ebf c\u1ee5 th\u1ec3 con s\u1ed1 t\u0103ng tr\u01b0\u1edfng, l\u00e3i su\u1ea5t huy \u0111\u1ed9ng v\u00e0 cho vay.<\/em><\/p>\n<p><em>Chuy\u00ean gia Tr\u01b0\u01a1ng Thanh \u0110\u1ee9c cho r\u1eb1ng, vi\u1ec7c gi\u1ea3m TTTD \u0111\u1ed3ng th\u1eddi li\u00ean quan \u0111\u1ebfn l\u00e3i su\u1ea5t, ch\u1ea5t l\u01b0\u1ee3ng t\u00edn d\u1ee5ng. M\u1ed9t m\u1eb7t, l\u00e3i su\u1ea5t cao h\u01a1n s\u1ebd gi\u00fap lo\u1ea1i b\u1edbt c\u00e1c ph\u01b0\u01a1ng \u00e1n kinh doanh c\u00f3 hi\u1ec7u qu\u1ea3 th\u1ea5p, cho vay \u00edt h\u01a1n, \u0111\u00f2i h\u1ecfi s\u1ef1 s\u00e0ng l\u1ecdc, l\u1ef1a ch\u1ecdn kh\u00e1ch h\u00e0ng c\u00f3 ch\u1ea5t l\u01b0\u1ee3ng h\u01a1n v\u00e0 c\u00f3 \u0111i\u1ec1u ki\u1ec7n qu\u1ea3n l\u00fd kho\u1ea3n vay t\u1ed1t h\u01a1n. X\u00e9t nh\u01b0 v\u1eady, ch\u1ea5t l\u01b0\u1ee3ng t\u00edn d\u1ee5ng s\u1ebd t\u1ed1t h\u01a1n nh\u01b0ng \u1edf m\u1eb7t kh\u00e1c, l\u1ea1i kh\u00f4ng \u0111\u01a1n gi\u1ea3n nh\u01b0 v\u1eady. Gi\u1ea3m d\u01b0 n\u1ee3 l\u1eadp t\u1ee9c l\u00e0m t\u0103ng n\u1ee3 qu\u00e1 h\u1ea1n, n\u1ee3 x\u1ea5u. N\u1ee3 x\u1ea5u lu\u00f4n c\u00f3 \u0111\u1ed9 tr\u1ec5 t\u1eeb 6 th\u00e1ng \u0111\u1ebfn m\u1ed9t v\u00e0i n\u0103m so v\u1edbi d\u01b0 n\u1ee3. V\u00ec v\u1eady t\u0103ng tr\u01b0\u1edfng c\u00e0ng nhanh, d\u01b0 n\u1ee3 c\u00e0ng l\u1edbn th\u00ec n\u1ee3 x\u1ea5u c\u00e0ng th\u1ea5p. N\u1ee3 x\u1ea5u ch\u1ec9 t\u0103ng nhanh n\u1ebfu d\u01b0 n\u1ee3 t\u0103ng ch\u1eadm ho\u1eb7c d\u1eebng l\u1ea1i. T\u0103ng tr\u01b0\u1edfng tr\u01b0\u1edbc \u0111\u00e2y l\u00e0 40%, b\u00e2y gi\u1edd l\u00e0 d\u01b0\u1edbi 20%, m\u1ee9c n\u1ee3 x\u1ea5u s\u1ebd r\u1ea5t l\u1edbn v\u00e0o n\u0103m sau. N\u1ee3 x\u1ea5u t\u0103ng, \u0111\u01b0\u01a1ng nhi\u00ean NH b\u1ecb \u1ea3nh h\u01b0\u1edfng, nguy c\u01a1 DN b\u1ecb thua l\u1ed7 v\u00e0 ph\u00e1 s\u1ea3n cao, n\u1ec1n kinh t\u1ebf ph\u1ea3i g\u00e1nh h\u1eadu qu\u1ea3.<\/em><\/p>\n<p>&nbsp;<\/p>\n<p><strong>Thanh Anh<\/strong><\/p>\n<p>&#8212;&#8212;&#8212;&#8212;&#8212;&#8212;&#8212;&#8212;&#8212;&#8212;&#8212;&#8212;<\/p>\n<p><strong><em>T\u1ea7m nh\u00ecn 07-10-2011:<\/em><\/strong><\/p>\n<p><em><a href=\"http:\/\/tamnhin.net\/tieu-diem\/15318\/Tin-dung-2012-Chat-che-va-co-trong-diem.html\">http:\/\/tamnhin.net\/tieu-diem\/15318\/Tin-dung-2012-Chat-che-va-co-trong-diem.html<\/a><\/em>","protected":false},"excerpt":{"rendered":"<p>(TN) &#8211; T\u00edn d\u1ee5ng 2012 s\u1ebd ch\u1eb7t ch\u1ebd v\u00e0 c\u00f3 tr\u1ecdng \u0111i\u1ec3m tr\u00e1nh t\u00ecnh tr\u1ea1ng c\u00e0o b\u1eb1ng ch\u1ec9 ti\u00eau t\u0103ng tr\u01b0\u1edfng, h\u1ea1n ch\u1ebf nh\u1ea5t \u0111\u1ecbnh s\u1ef1 ph\u00e2n b\u1ed5 ngu\u1ed3n v\u1ed1n trong h\u1ec7 th\u1ed1ng. \u0110\u00f3 l\u00e0 \u0111\u1ecbnh h\u01b0\u1edbng ho\u1ea1t \u0111\u1ed9ng c\u1ee7a ng\u00e0nh ng\u00e2n h\u00e0ng trong n\u0103m 2012 s\u1ebd \u0111\u01b0\u1ee3c Ng\u00e2n h\u00e0ng Nh\u00e0 n\u01b0\u1edbc th\u00f4ng b\u00e1o ch\u00ednh [&hellip;]<\/p>\n","protected":false},"author":3,"featured_media":31579,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":""},"categories":[17,26],"tags":[],"class_list":["post-31578","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>244a. T\u00edn d\u1ee5ng 2012: Ch\u1eb7t ch\u1ebd v\u00e0 c\u00f3 tr\u1ecdng \u0111i\u1ec3m - ANVI Law Firm<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/anvilaw.com\/en\/tieng-viet-244a-tin-dung-2012-chat-che-va-co-trong-diem\/\" \/>\n<meta property=\"og:locale\" content=\"vi_VN\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"[:vi]244a. 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