{"id":31809,"date":"2012-05-08T10:39:47","date_gmt":"2012-05-08T03:39:47","guid":{"rendered":"https:\/\/anvilaw.com\/vi\/?p=31809"},"modified":"2022-07-05T10:42:51","modified_gmt":"2022-07-05T03:42:51","slug":"291-kinh-doanh-them-tran-cho-lai-suat","status":"publish","type":"post","link":"https:\/\/anvilaw.com\/vi\/291-kinh-doanh-them-tran-cho-lai-suat\/","title":{"rendered":"291. Kinh doanh Th\u00eam \u201ctr\u1ea7n\u201d cho l\u00e3i su\u1ea5t"},"content":{"rendered":"(PLVN) – Tr\u00e1i v\u1edbi nh\u1eadn \u0111\u1ecbnh c\u00f3 th\u1ec3 b\u1ecf tr\u1ea7n l\u00e3i su\u1ea5t (LS), t\u1eeb th\u00e1ng 6 t\u1edbi Ng\u00e2n h\u00e0ng Nh\u00e0 n\u01b0\u1edbc (NHNN) l\u1ea1i quy \u0111\u1ecbnh th\u00eam tr\u1ea7n \u0111\u1ed1i v\u1edbi\u00a0 LS cho vay…<\/strong><\/p>\n\n\n\n\n
\"\"<\/td>\n<\/tr>\n
Nhi\u1ec1u \u00fd ki\u1ebfn nghi ng\u1edd hi\u1ec7u qu\u1ea3 c\u1ee7a vi\u1ec7c \u00e1p d\u1ee5ng \u201ctr\u1ea7n\u201d l\u00e3i su\u1ea5t. \u1ea2nh minh h\u1ecda<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n

V\u00e0o 12 – Ra 15<\/strong><\/p>\n

Cu\u1ed1i tu\u1ea7n qua, NHNN \u0111\u00e3 ban h\u00e0nh Th\u00f4ng t\u01b0 s\u1ed1 14\/2012\/TT-NHNN quy \u0111\u1ecbnh LS cho vay ng\u1eafn h\u1ea1n t\u1ed1i \u0111a b\u1eb1ng VND c\u1ee7a t\u1ed5 ch\u1ee9c t\u00edn d\u1ee5ng, chi nh\u00e1nh NH n\u01b0\u1edbc ngo\u00e0i (sau \u0111\u00e2y g\u1ecdi t\u1eaft l\u00e0 TCTD) \u0111\u1ed1i v\u1edbi kh\u00e1ch h\u00e0ng vay \u0111\u1ec3 \u0111\u00e1p \u1ee9ng nhu c\u1ea7u v\u1ed1n ph\u1ee5c v\u1ee5 m\u1ed9t s\u1ed1 l\u0129nh v\u1ef1c, ng\u00e0nh kinh t\u1ebf.<\/p>\n\n\n\n
T\u1ea1i bu\u1ed5i t\u1ecda \u0111\u00e0m \u201cH\u01b0\u1edbng t\u1edbi \u1ed5n \u0111\u1ecbnh t\u00e0i ch\u00ednh qu\u1ed1c gia v\u00e0 t\u00e1i c\u01a1 c\u1ea5u n\u1ec1n kinh t\u1ebf\u201d do B\u1ed9 KH&\u0110T t\u1ed5 ch\u1ee9c m\u1edbi \u0111\u00e2y, nhi\u1ec1u \u00fd ki\u1ebfn chuy\u00ean gia cho r\u1eb1ng n\u1ebfu t\u00ecnh h\u00ecnh thanh kho\u1ea3n\u00a0 c\u1ea3i thi\u1ec7n \u0111\u00e1ng k\u1ec3, th\u00ec NHNN c\u00f3 th\u1ec3 lo\u1ea1i b\u1ecf tr\u1ea7n LS huy \u0111\u1ed9ng ho\u00e0n to\u00e0n trong th\u00e1ng 6 ho\u1eb7c th\u00e1ng 7 t\u1edbi.<\/p>\n

\u00d4ng Tr\u1ecbnh Quang Anh, Tr\u01b0\u1edfng ban nghi\u00ean c\u1ee9u kinh t\u1ebf, NH Th\u01b0\u01a1ng m\u1ea1i H\u00e0ng H\u1ea3i (MaritimeBank) cho r\u1eb1ng,\u00a0 n\u1ebfu \u0111\u1eb7t th\u00eam tr\u1ea7n LS cho vay th\u00ec s\u1ebd c\u00e0ng kh\u00f3 ki\u1ec3m so\u00e1t h\u01a1n, b\u1edfi NHNN kh\u00f4ng th\u1ec3 \u00e9p c\u00e1c NH cho vay \u0111\u01b0\u1ee3c.<\/p>\n

Th\u1ef1c t\u1ebf, c\u00e1c NH th\u00e0 gi\u1eef ti\u1ec1n l\u1ea1i c\u00f2n h\u01a1n cho vay \u0111\u1ec3 r\u1ed3i m\u1ea5t. N\u1ebfu NH theo \u0111u\u1ed5i m\u1ee5c ti\u00eau l\u1ee3i nhu\u1eadn cao \u0111\u1ec3 cho vay nh\u1eefng t\u00edn d\u1ee5ng c\u00f3 r\u1ee7i ro l\u1edbn th\u00ec ch\u1eafc ch\u1eafn LS cho vay s\u1ebd b\u1ecb \u0111\u1ea9y l\u00ean cao…<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n

Theo \u0111\u00f3, t\u1eeb ng\u00e0y 8\/5\/2012, LS cho vay ng\u1eafn h\u1ea1n b\u1eb1ng VND c\u1ee7a TCTD \u0111\u1ed1i v\u1edbi kh\u00e1ch h\u00e0ng vay t\u1ed1i \u0111a b\u1eb1ng (=) LS t\u1ed1i \u0111a \u0111\u1ed1i v\u1edbi ti\u1ec1n g\u1eedi b\u1eb1ng VND c\u00f3 k\u1ef3 h\u1ea1n t\u1eeb 1 th\u00e1ng tr\u1edf l\u00ean do NHNN quy \u0111\u1ecbnh c\u1ed9ng (+) 3%\/n\u0103m.<\/p>\n

C\u00e1c kho\u1ea3n cho vay ng\u1eafn h\u1ea1n b\u1eb1ng VND \u0111\u01b0\u1ee3c \u00e1p d\u1ee5ng LS cho vay t\u1ed1i \u0111a theo quy \u0111\u1ecbnh n\u00e0y l\u00e0 c\u00e1c kho\u1ea3n cho vay nh\u1eb1m \u0111\u00e1p \u1ee9ng c\u00e1c nhu c\u1ea7u v\u1ed1n: Ph\u1ee5c v\u1ee5 l\u0129nh v\u1ef1c n\u00f4ng nghi\u1ec7p, n\u00f4ng th\u00f4n; Th\u1ef1c hi\u1ec7n ph\u01b0\u01a1ng \u00e1n, d\u1ef1 \u00e1n SXKD\u00a0 h\u00e0ng xu\u1ea5t kh\u1ea9u quy \u0111\u1ecbnh t\u1ea1i Lu\u1eadt Th\u01b0\u01a1ng m\u1ea1i; Ph\u1ee5c v\u1ee5 SXKD\u00a0 c\u1ee7a DNNVV; Ph\u00e1t tri\u1ec3n ng\u00e0nh c\u00f4ng nghi\u1ec7p h\u1ed7 tr\u1ee3.<\/p>\n

Theo \u0111\u00f3, tr\u1ea7n LS cho vay \u0111\u1ed1i v\u1edbi 4 l\u0129nh v\u1ef1c \u01b0u ti\u00ean n\u00e0y s\u1ebd c\u00f3 m\u1ee9c t\u1ed1i \u0111a 15%\/n\u0103m. Ri\u00eang \u0111\u1ed1i v\u1edbi Qu\u1ef9 T\u00edn d\u1ee5ng nh\u00e2n d\u00e2n c\u01a1 s\u1edf, LS cho vay ng\u1eafn h\u1ea1n b\u1eb1ng VND \u0111\u1ed1i v\u1edbi 04 l\u0129nh v\u1ef1c n\u00eau tr\u00ean hi\u1ec7n nay t\u1ed1i \u0111a l\u00e0 15,5%\/n\u0103m.<\/p>\n

Th\u00f4ng t\u01b0 c\u0169ng n\u00f3i r\u00f5, \u0111\u1ec3 \u0111\u01b0\u1ee3c \u00e1p d\u1ee5ng, c\u00e1c kh\u00e1ch h\u00e0ng vay v\u1ed1n thu\u1ed9c c\u00e1c nh\u00f3m \u0111\u1ed1i t\u01b0\u1ee3ng tr\u00ean ph\u1ea3i \u0111\u00e1p \u1ee9ng \u0111\u01b0\u1ee3c c\u00e1c \u0111i\u1ec1u ki\u1ec7n vay v\u1ed1n theo quy \u0111\u1ecbnh c\u1ee7a NHNN, \u0111\u01b0\u1ee3c TCTD \u0111\u00e1nh gi\u00e1 l\u00e0 c\u00f3 t\u00ecnh h\u00ecnh t\u00e0i ch\u00ednh minh b\u1ea1ch, l\u00e0nh m\u1ea1nh. Kh\u00e1ch h\u00e0ng vay v\u1ed1n ph\u1ea3i ch\u1ee9ng minh m\u1ee5c \u0111\u00edch vay v\u1ed1n thu\u1ed9c nh\u00f3m \u0111\u1ed1i t\u01b0\u1ee3ng \u00e1p d\u1ee5ng c\u01a1 ch\u1ebf LS cho vay n\u00f3i tr\u00ean, ph\u1ea3i ch\u1ecbu tr\u00e1ch nhi\u1ec7m v\u1ec1 t\u00ednh trung th\u1ef1c, ch\u00ednh x\u00e1c c\u1ee7a th\u00f4ng tin ch\u1ee9ng minh \u0111\u00f3.<\/p>\n

\u0110\u1eb7c bi\u1ec7t, Th\u00f4ng t\u01b0 c\u0169ng l\u01b0u \u00fd: C\u00e1c TCTD khi cho vay nh\u1eefng nh\u00f3m \u0111\u1ed1i t\u01b0\u1ee3ng n\u00e0y kh\u00f4ng \u0111\u01b0\u1ee3c thu c\u00e1c lo\u1ea1i ph\u00ed li\u00ean quan \u0111\u1ebfn kho\u1ea3n vay, tr\u1eeb m\u1ed9t s\u1ed1 kho\u1ea3n quy \u0111\u1ecbnh theo Th\u00f4ng t\u01b0 s\u1ed1 05\/2011\/TT-NHNN ng\u00e0y 10\/3\/2011 c\u1ee7a NH Nh\u00e0 n\u01b0\u1edbc.<\/p>\n

Ti\u1ebfp t\u1ee5c “ch\u1eefa ch\u00e1y”?<\/strong><\/p>\n

Sau hai l\u1ea7n li\u00ean ti\u1ebfp h\u1ea1 LS huy \u0111\u1ed9ng (t\u1eeb 14%\/n\u0103m xu\u1ed1ng 13%\/n\u0103m v\u00e0 t\u1eeb 13%\/n\u0103m xu\u1ed1ng 12%\/n\u0103m), LS cho vay r\u1ed1t cu\u1ed9c c\u0169ng ch\u1ec9\u00a0 l\u00e0 \u201ck\u1ef3 v\u1ecdng\u00a0 s\u1ebd gi\u1ea3m\u201d. V\u1edbi vi\u1ec7c ban h\u00e0nh Th\u00f4ng t\u01b0\u00a0 14\/2012\/TT-NHNN, theo \u0111\u00e1nh gi\u00e1 cu\u1ea3 m\u1ed9t s\u1ed1 chuy\u00ean gia, \u0111\u00f3 nh\u01b0 l\u00e0 gi\u1ea3i ph\u00e1p b\u1ed5 sung khi\u1ebfm khuy\u1ebft theo ki\u1ec3u \u201cv\u1eeba l\u00e0m v\u1eeba ch\u1ec9nh\u201d. Th\u00f4ng t\u01b0 n\u00e0y \u0111\u01b0\u1ee3c ban h\u00e0nh ngay sau cu\u1ed9c h\u1ecdp gi\u1eefa Th\u1ed1ng \u0111\u1ed1c NHNN v\u1edbi c\u00e1c NH th\u01b0\u01a1ng m\u1ea1i v\u00e0 tr\u01b0\u1edbc th\u1ec1m k\u1ef3 h\u1ecdp Qu\u1ed1c h\u1ed9i c\u0169ng cho th\u1ea5y t\u00ednh ch\u1ea5t c\u1ea5p b\u00e1ch c\u1ee7a v\u1ea5n \u0111\u1ec1.<\/p>\n

Tr\u01b0\u1edbc \u0111\u00f3, trao \u0111\u1ed5i v\u1edbi ph\u00f3ng vi\u00ean PLVN, Lu\u1eadt s\u01b0 Tr\u01b0\u01a1ng Thanh \u0110\u1ee9c cho r\u1eb1ng, kh\u1ed1ng ch\u1ebf LS cho vay c\u0169ng kh\u00f4ng gi\u1ea3i quy\u1ebft \u0111\u01b0\u1ee3c vi\u1ec7c g\u00ec. Theo \u00f4ng \u0110\u1ee9c, vi\u1ec7c n\u00e0y c\u0169ng \u0111\u00e3 t\u1eebng l\u00e0m v\u00e0 c\u0169ng \u0111\u00e3 th\u1ea5t b\u1ea1i. \u201cMong mu\u1ed1n h\u1ea1 LS l\u00e0 ch\u00ednh \u0111\u00e1ng v\u00e0 c\u1ea5p b\u00e1ch, tuy nhi\u00ean \u0111\u00f3 l\u00e0 th\u1ecb tr\u01b0\u1eddng, th\u00ec ph\u1ea3i \u0111i\u1ec1u khi\u1ec3n \u0111\u01b0\u1ee3c th\u1ecb tr\u01b0\u1eddng, ch\u1ee9 kh\u00f4ng ph\u1ea3i c\u1ee9 mu\u1ed1n l\u00e0 \u0111\u01b0\u1ee3c. \u0110\u1eb7t ra tr\u1ea7n ch\u1ec9 l\u00e0 gi\u1ea3i ph\u00e1p t\u00ecnh th\u1ebf, b\u1ea5t \u0111\u1eafc d\u0129 v\u00e0 \u0111\u01b0\u01a1ng nhi\u00ean s\u1ebd l\u00e0m m\u00e9o m\u00f3 th\u1ecb tr\u01b0\u1eddng…\u201d- \u00f4ng \u0110\u1ee9c ph\u00e1t bi\u1ec3u.<\/em><\/p>\n

T\u1ea1i bu\u1ed5i h\u1ecdp b\u00e1o Ch\u00ednh ph\u1ee7 th\u01b0\u1eddng k\u1ef3 chi\u1ec1u 4\/5, \u0111\u1ea1i di\u1ec7n NHNN, Ph\u00f3 th\u1ed1ng \u0111\u1ed1c Nguy\u1ec5n \u0110\u1ed3ng Ti\u1ebfn c\u0169ng th\u1eeba nh\u1eadn \u0111\u00e2y l\u00e0 bi\u1ec7n ph\u00e1p h\u00e0nh ch\u00ednh c\u00f3 t\u00ednh ch\u1ea5t t\u1ea1m th\u1eddi v\u00e0 v\u1edbi m\u1ed9t ph\u1ea1m vi nh\u1ea5t \u0111\u1ecbnh. \u00d4ng Ti\u1ebfn cho bi\u1ebft, vi\u1ec7c NHNN \u0111\u01b0a ra c\u00e1c bi\u1ec7n ph\u00e1p c\u00f3 t\u00ednh ch\u1ea5t h\u00e0nh ch\u00ednh nh\u01b0 kh\u1ed1ng ch\u1ebf tr\u1ea7n LS cho vay v\u1edbi m\u1ed9t s\u1ed1 l\u0129nh v\u1ef1c c\u00f3 s\u1ef1 c\u00e2n nh\u1eafc v\u00e0 \u0111\u1eb7t trong b\u1ed1i c\u1ea3nh doanh nghi\u1ec7p, n\u1ec1n kinh t\u1ebf \u0111ang v\u00f4 c\u00f9ng kh\u00f3 kh\u0103n, ph\u00f9 h\u1ee3p v\u1edbi c\u00e1c gi\u1ea3i ph\u00e1p c\u1ee7a Ch\u00ednh ph\u1ee7, c\u0169ng nh\u1eb1m \u0111\u1ec3 h\u1ea1 th\u1ea5p LS cho vay, th\u00e1o g\u1ee1 kh\u00f3 kh\u0103n cho DN v\u1ec1 v\u1ed1n…<\/p>\n\n\n\n
Lu\u1eadt s\u01b0 Tr\u01b0\u01a1ng Thanh \u0110\u1ee9c:<\/p>\n

\u201cB\u1ece TR\u1ea6N M\u1edaI GI\u1ea2M \u0110\u01af\u1ee2C L\u00c3I SU\u1ea4T\u201d<\/strong><\/p>\n

Theo t\u00f4i n\u1ebfu g\u1ee1 b\u1ecf tr\u1ea7n LS huy \u0111\u1ed9ng th\u00ec ch\u1eafc ch\u1eafn s\u1ebd g\u00f3p ph\u1ea7n gi\u1ea3m LS. V\u00ec hi\u1ec7n nay, ngo\u00e0i LS th\u1ecb tr\u01b0\u1eddng v\u1eabn cao h\u01a1n tr\u1ea7n, th\u00ec y\u1ebfu t\u1ed1 t\u00f9 m\u00f9, m\u1edd \u1ea3o, n\u1eeda k\u00edn n\u1eeda h\u1edf ch\u00ednh l\u00e0 m\u1ed9t trong nh\u1eefng th\u1ee7 ph\u1ea1m \u0111\u1ea9y LS l\u00ean cao h\u01a1n gi\u00e1 th\u1ef1c. B\u1ecf tr\u1ea7n LS th\u00ec tr\u01b0\u1edbc h\u1ebft LS s\u1ebd ph\u1ea3n \u00e1nh \u0111\u00fang cung c\u1ea7u v\u00e0 \u0111\u00fang gi\u00e1 c\u1ea3 th\u1eadt.<\/p>\n

Th\u1ee9 hai, khi t\u1ea5t c\u1ea3 \u0111\u1ec1u c\u00f4ng khai, c\u00e1c NH s\u1ebd s\u1ee3 c\u00f4ng b\u1ed1 LS cao h\u01a1n m\u1eb7t b\u1eb1ng chung, v\u00ec nh\u01b0 v\u1eady s\u1ebd m\u1eb7c nhi\u00ean th\u1eeba nh\u1eadn NH m\u00ecnh thu\u1ed9c di\u1ec7n y\u1ebfu k\u00e9m, nguy c\u01a1 r\u1ee7i ro l\u1edbn.<\/p>\n

Th\u1ee9 ba, tr\u00e1nh \u0111\u01b0\u1ee3c s\u1ef1 gian l\u1eadn, ti\u00eau c\u1ef1c r\u1ea5t d\u1ec5 x\u1ea3y ra c\u1ee7a nh\u00e2n vi\u00ean NH c\u0169ng nh\u01b0 nh\u1eefng ng\u01b0\u1eddi thay m\u1eb7t cho c\u00e1c DN, t\u1ed5 ch\u1ee9c g\u1eedi ti\u1ec1n. Khi b\u1ecf tr\u1ea5n LS huy \u0111\u1ed9ng, c\u00f3 th\u1ec3 LS s\u1ebd cao h\u01a1n so v\u1edbi khi c\u00f3 tr\u1ea7n, nh\u01b0ng cu\u1ed9c \u0111ua trong tr\u01b0\u1eddng h\u1ee3p n\u00e0y c\u00f3 \u0111\u00edch l\u00e0 m\u1eb7t b\u1eb1ng LS th\u1eadt, c\u0169ng gi\u1ed1ng nh\u01b0 t\u1eeb c\u01a1 ch\u1ebf bao c\u1ea5p chuy\u1ec3n sang th\u1ecb tr\u01b0\u1eddng, gi\u00e1 th\u01b0\u1eddng cao h\u01a1n m\u1ee9c gi\u00e1 ph\u00e2n ph\u1ed1i nh\u01b0ng \u0111i\u1ec1u quan tr\u1ecdng l\u00e0 th\u1ea5p h\u01a1n gi\u00e1 ch\u1ee3 \u0111en tr\u01b0\u1edbc \u0111\u00f3. \u0110\u1eb7c bi\u1ec7t, hi\u1ec7n nay NHNN ho\u00e0n to\u00e0n c\u00f3 \u0111\u1ee7 kh\u1ea3 n\u0103ng \u0111\u1ec3 ki\u1ec3m so\u00e1t \u0111\u01b0\u1ee3c t\u00ecnh h\u00ecnh….<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n

Hi\u1ec3u My<\/strong><\/p>\n

——————————–<\/p>\n

Ph\u00e1p lu\u1eadt Vi\u1ec7t Nam 08-5-2012<\/em><\/strong><\/p>\n

http:\/\/phapluatvn.vn\/kinh-doanh\/201205\/Them-tran-cho-lai-suat-2066624\/<\/a><\/em>","protected":false},"excerpt":{"rendered":"

(PLVN) – Tr\u00e1i v\u1edbi nh\u1eadn \u0111\u1ecbnh c\u00f3 th\u1ec3 b\u1ecf tr\u1ea7n l\u00e3i su\u1ea5t (LS), t\u1eeb th\u00e1ng 6 t\u1edbi Ng\u00e2n h\u00e0ng Nh\u00e0 n\u01b0\u1edbc (NHNN) l\u1ea1i quy \u0111\u1ecbnh th\u00eam tr\u1ea7n \u0111\u1ed1i v\u1edbi\u00a0 LS cho vay… Nhi\u1ec1u \u00fd ki\u1ebfn nghi ng\u1edd hi\u1ec7u qu\u1ea3 c\u1ee7a vi\u1ec7c \u00e1p d\u1ee5ng \u201ctr\u1ea7n\u201d l\u00e3i su\u1ea5t. \u1ea2nh minh h\u1ecda V\u00e0o 12 – Ra 15 Cu\u1ed1i […]<\/p>\n","protected":false},"author":3,"featured_media":31813,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":""},"categories":[17,26],"tags":[],"class_list":["post-31809","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-binh-luan-gop-y","category-legal-media"],"acf":[],"yoast_head":"\n291. 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