{"id":32153,"date":"2010-12-10T11:35:24","date_gmt":"2010-12-10T04:35:24","guid":{"rendered":"https:\/\/anvilaw.com\/vi\/?p=32153"},"modified":"2022-07-06T11:37:31","modified_gmt":"2022-07-06T04:37:31","slug":"174-lai-suat-khoang-lang-dang-ngo-sau-con-dien","status":"publish","type":"post","link":"https:\/\/anvilaw.com\/vi\/174-lai-suat-khoang-lang-dang-ngo-sau-con-dien\/","title":{"rendered":"174. L\u00e3i su\u1ea5t: \u201cKho\u1ea3ng l\u1eb7ng” \u0111\u00e1ng ng\u1edd sau “c\u01a1n \u0111i\u00ean”"},"content":{"rendered":"(PLVN) – Sau \u201cc\u01a1n \u0111i\u00ean\u201d ng\u00e0y 8\/12, h\u00f4m qua (9\/12) l\u00e3i su\u1ea5t \u0111\u00e3\u00a0 \u201ch\u1ea1 nhi\u1ec7t\u201d\u00a0 thu\u1eadn theo ch\u1ec9 \u0111\u1ea1o c\u1ee7a Ng\u00e2n h\u00e0ng Nh\u00e0 n\u01b0\u1edbc. Th\u1ebf nh\u01b0ng, theo kh\u1ea3o s\u00e1t c\u1ee7a ph\u00f3ng vi\u00ean, \u0111\u1eb1ng sau v\u1ebb y\u00ean \u1eafng b\u1ec1 m\u1eb7t v\u1eabn \u0111ang \u00e2m th\u1ea7m m\u1ed9t cu\u1ed9c \u0111ua. L\u00e3i su\u1ea5t\u00a0 th\u1ef1c g\u1eedi l\u00e0 bao nhi\u00eau, ch\u1ec9 ng\u00e2n h\u00e0ng\u00a0 v\u00e0 ng\u01b0\u1eddi g\u1eedi ti\u1ec1n m\u1edbi bi\u1ebft\u2026<\/strong><\/p>\n

Kho\u1ea3ng l\u1eb7ng sau “c\u01a1n \u0111i\u00ean”<\/strong><\/p>\n

Tr\u00e1i v\u1edbi c\u1ea3nh t\u1eadp n\u1eadp, m\u00e1y \u0111\u1ebfm ti\u1ec1n ch\u1ea1y so\u00e0nh xo\u1ea1ch v\u00e0o bu\u1ed5i chi\u1ec1u 8\/12, s\u00e1ng qua t\u1ea1i Ph\u00f2ng giao d\u1ecbch (PGD) c\u1ee7a SeABank tr\u00ean \u0111\u01b0\u1eddng X\u00e3 \u0110\u00e0n (\u0110\u1ed1ng \u0110a, H\u00e0 N\u1ed9i) l\u00e0 m\u1ed9t b\u1ea7u kh\u00f4ng kh\u00ed \u0111\u00ecu hiu. M\u1ed9t kh\u00e1ch h\u00e0ng phi xe m\u00e1y l\u00ean v\u1ec9a h\u00e8 ng\u01a1 ng\u00e1c khi ph\u00eda ngo\u00e0i PGD n\u00e0y, b\u1ea3ng l\u00e3i su\u1ea5t (LS) \u0111\u00e3 s\u1eeda l\u1ea1i c\u00f2n 14%. \u201cKh\u00f4ng bi\u1ebft \u0111\u00e2y c\u00f3 ph\u1ea3i ng\u00e2n h\u00e0ng (NH) huy \u0111\u1ed9ng LS 18% ng\u00e0y h\u00f4m qua kh\u00f4ng?\u201d- v\u1ecb kh\u00e1ch nghi ng\u1edd h\u1ecfi v\u00ec kh\u00f4ng tin LS \u0111\u00e3 t\u1ee5t nhanh \u0111\u1ebfn th\u1ebf. \u201cS\u00e1ng nay v\u1eabn c\u00f2n NH \u1edf ph\u1ed1 B\u00e0 Tri\u1ec7u g\u1ecdi \u0111i\u1ec7n ch\u00e0o v\u1edbi LS 17%\/n\u0103m c\u01a1 m\u00e0\u201d- n\u00f3i r\u1ed3i, v\u1ecb kh\u00e1ch h\u00e0ng l\u1ea1i l\u00ean xe l\u01b0\u1ee3n th\u00eam m\u1ed9t v\u00f2ng n\u1eefa tr\u01b0\u1edbc khi quay \u0111\u1ea7u h\u01b0\u1edbng v\u1ec1 ph\u1ed1 B\u00e0 Tri\u1ec7u.<\/p>\n

D\u1ecdc con ph\u1ed1 \u0111\u01b0\u1ee3c m\u1ec7nh danh \u0111\u1eaft nh\u1ea5t h\u00e0nh tinh n\u00e0y, c\u00f3 kho\u1ea3ng g\u1ea7n 20 PGD c\u1ee7a c\u00e1c NH v\u00e0 theo quan s\u00e1t c\u1ee7a ph\u00f3ng vi\u00ean, b\u1ea3ng LS c\u00f4ng khai cao nh\u1ea5t l\u00e0 14%\/n\u0103m (SeABank, SHB), ti\u1ebfp \u0111\u00f3 l\u00e0 13,75%\/n\u0103m (VPBank), c\u00f2n nh\u00ecn chung, c\u00e1c NH \u0111\u1ec1u kh\u00f4ng c\u00f4ng khai LS, ph\u1ea7n ghi LS \u0111\u1ec3 tr\u1ed1ng. B\u01b0\u1edbc v\u00e0o PGD c\u1ee7a Navibank, nh\u00e2n vi\u00ean \u0111on \u0111\u00e3 m\u1edbi ch\u00e0o v\u00e0 cho bi\u1ebft, LS ch\u1ec9 c\u00f2n 13,5%\/th\u00e1ng. Khi th\u1ea5y kh\u00e1ch h\u00e0ng \u0111\u1ecbnh quay ra, nh\u00e2n vi\u00ean n\u00edu k\u00e9o: \u201cN\u1ebfu kh\u00e1ch h\u00e0ng cam k\u1ebft \u0111\u00fang th\u1eddi h\u1ea1n g\u1eedi ti\u1ec1n th\u00ec s\u1ebd \u0111\u01b0\u1ee3c c\u00f4ng th\u00eam 1% LS l\u00e0 14,5%\u201d.<\/p>\n

Nh\u00ecn sang b\u00ean kia \u0111\u01b0\u1eddng, h\u01b0\u1edbng PGD c\u1ee7a SeABank, nh\u00e2n vi\u00ean n\u00e0y n\u00edu k\u00e9o: \u201cSeABank h\u00f4m qua 18% th\u00ec b\u00ean em c\u0169ng 17%, nh\u01b0ng h\u00f4m nay, b\u00ean \u0111\u00f3 c\u0169ng ch\u1ec9 14%\/n\u0103m th\u00f4i, \u0111\u00e2y l\u00e0 m\u1ee9c LS cao nh\u1ea5t r\u1ed3i\u2026\u201d. T\u1ea1i PGD c\u1ee7a SeABank, khi h\u1ecfi v\u1ec1 s\u1ed1 ti\u1ec1n g\u1eedi tr\u00ean 100 tri\u1ec7u \u0111\u1ed3ng, nh\u00e2n vi\u00ean cho bi\u1ebft, ngo\u00e0i LS 14%, kh\u00e1ch h\u00e0ng c\u00f2n \u0111\u01b0\u1ee3c t\u1eb7ng ti\u1ec1n m\u1eb7t tr\u1ecb gi\u00e1 t\u1eeb 0,8- 1,2% LS t\u00f9y theo s\u1ed1 ti\u1ec1n g\u1eedi\u2026<\/p>\n\n\n\n\n
\"\"<\/td>\n<\/tr>\n
<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n

T\u1ea1i PGD NH B\u1eafc \u00c1 (H\u00e0o Nam, H\u00e0 N\u1ed9i), nh\u00e2n vi\u00ean cho bi\u1ebft, LS huy \u0111\u1ed9ng cao nh\u1ea5t l\u00e0 14,6%\/n\u0103m v\u1edbi s\u1ed1 ti\u1ec1n g\u1eedi t\u1eeb 30 tri\u1ec7u tr\u1edf l\u00ean, th\u1eddi h\u1ea1n g\u1eedi 6 th\u00e1ng. V\u1edbi s\u1ed1 ti\u1ec1n tr\u00ean 1 t\u1ef7, m\u1ee9c LS c\u00f3 th\u1ec3 l\u00ean t\u1edbi t\u1ed1i \u0111a l\u00e0 14,8%\/n\u0103m. Ngo\u00e0i ra, kh\u00e1ch h\u00e0ng c\u00f2n \u0111\u01b0\u1ee3c nh\u1eadn v\u00e9 c\u00e0o, t\u00ednh ra LS v\u00e0o kho\u1ea3ng 15%.<\/p>\n

Theo s\u1ed1 \u0111i\u1ec7n tho\u1ea1i tr\u00ean t\u1edd r\u01a1i ch\u01b0\u01a1ng tr\u00ecnh \u201c3 ng\u00e0y v\u00e0ng ti\u1ebft ki\u1ec7m\u201d c\u1ee7a Techcombank, ch\u00fang t\u00f4i \u0111\u00e3 \u0111i\u1ec7n tho\u1ea1i \u0111\u1ebfn Techcombank Ba \u0110\u00ecnh, nh\u00e2n vi\u00ean cho bi\u1ebft, m\u1ee9c LS 17% \u0111\u00e3 h\u1ea1 xu\u1ed1ng ch\u1ec9 c\u00f2n 16,5%, ch\u1ec9 \u00e1p d\u1ee5ng trong ng\u00e0y 2 ng\u00e0y c\u00f2n l\u1ea1i c\u1ee7a ch\u01b0\u01a1ng tr\u00ecnh. Tuy nhi\u00ean, g\u1ea7n tr\u01b0a, \u0111i\u1ec7n tho\u1ea1i h\u1ecfi l\u1ea1i th\u00ec nh\u00e2n vi\u00ean l\u1ea1i qu\u1ea3 quy\u1ebft; \u201cCh\u01b0\u01a1ng tr\u00ecnh \u0111\u00e3 k\u1ebft th\u00fac, ch\u1ecb c\u00f3 mu\u1ed1n h\u1ecfi v\u1ec1 LS th\u00ec m\u1eddi ch\u1ecb \u0111\u1ebfn PGD s\u1ebd trao \u0111\u1ed5i c\u1ee5 th\u1ec3 ch\u1ee9 kh\u00f4ng n\u00f3i qua \u0111i\u1ec7n tho\u1ea1i\u2026\u201d(!?)<\/p>\n

L\u00fang t\u00fang trong \u0111i\u1ec1u h\u00e0nh<\/strong><\/p>\n

\u201cTh\u1ee7 ph\u1ea1m\u201d t\u1ea1o ra \u201cc\u01a1n \u0111i\u00ean\u201d LS h\u00f4m 8\/12 \u0111\u01b0\u1ee3c ch\u1ec9 ra l\u00e0 Techcombank khi NH n\u00e0y tri\u1ec3n khai ch\u01b0\u01a1ng tr\u00ecnh \u201c3 ng\u00e0y v\u00e0ng ti\u1ebft ki\u1ec7m\u201d v\u1edbi m\u1ee9c LS l\u00ean t\u1edbi 17%\/n\u0103m, n\u1ebfu c\u1ed9ng c\u1ea3 LS th\u01b0\u1edfng th\u00ec LS l\u00ean t\u1edbi 17,6%. \u0110\u1ec3 \u0111\u1ed1i ph\u00f3 l\u1ea1i, g\u1ea7n nh\u01b0 ngay l\u1eadp t\u1ee9c, trong bu\u1ed5i s\u00e1ng, r\u1ea5t nhi\u1ec1u ph\u01b0\u01a1ng \u00e1n t\u0103ng LS l\u00ean 17% \u0111\u00e3 \u0111\u01b0\u1ee3c c\u00e1c NH ho\u00e0n th\u00e0nh \u0111\u1ec3 c\u00f3 th\u1ec3 \u00e1p d\u1ee5ng ngay khi c\u01a1n s\u1ed1c n\u00e0y g\u00e2y ra s\u00f3ng tr\u00ean th\u1ecb tr\u01b0\u1eddng, th\u1eadm ch\u00ed c\u00f3 NH \u0111\u00e3 t\u0103ng LS l\u00ean \u0111\u1ebfn 18% nh\u01b0 SeABank, ch\u01b0a k\u1ec3 c\u00e1c m\u1ee9c LS th\u1ecfa thu\u1eadn m\u00e0 ch\u1ec9 kh\u00e1ch h\u00e0ng v\u00e0 NH bi\u1ebft v\u1edbi nhau.<\/p>\n

C\u0169ng r\u1ea5t nhanh, ngay cu\u1ed1i bu\u1ed5i chi\u1ec1u, Techcombank c\u00f9ng m\u1ed9t lo\u1ea1t c\u00e1c NH kh\u00e1ch \u0111\u00e3 b\u1ecb Ng\u00e2n h\u00e0ng Nh\u00e0 n\u01b0\u1edbc (NHNN) \u201cth\u1ed5i c\u00f2i\u201d v\u00e0 hi\u1ec7n NH n\u00e0y \u0111ang ph\u1ea3i gi\u1ea3i tr\u00ecnh, \u201cr\u00fat kinh nghi\u1ec7m\u201d. Tuy nhi\u00ean, sau \u201cc\u01a1n s\u1ed1t\u201d b\u1ea5t th\u01b0\u1eddng n\u00e0y kh\u00f4ng ai d\u00e1m ch\u1eafc m\u1eb7t b\u1eb1ng LS s\u1ebd \u1ed5n \u0111\u1ecbnh (ch\u1ee9 ch\u01b0a n\u00f3i \u0111\u1ebfn chuy\u1ec7n gi\u1ea3m LS).<\/p>\n

\u201cN\u1ebfu b\u1ea3o Techcombank sai th\u00ec sai \u1edf \u0111\u00e2u, ai \u0111\u00fang?\u201d- Lu\u1eadt s\u01b0 Tr\u01b0\u01a1ng Thanh \u0110\u1ee9c, Gi\u00e1m \u0111\u1ed1c C\u00f4ng ty Lu\u1eadt ANVI \u0111\u1eb7t v\u1ea5n \u0111\u1ec1. Theo Lu\u1eadt s\u01b0 \u0110\u1ee9c, NHNN \u0111\u00e1ng ra ph\u1ea3i \u1edf th\u1ebf ch\u1ee7 \u0111\u1ed9ng th\u00ec r\u01a1i v\u00e0o th\u1ebf b\u1ecb \u0111\u1ed9ng l\u00fang t\u00fang trong \u0111i\u1ec1u h\u00e0nh. \u201cN\u1ebfu c\u1ee9 theo nguy\u00ean t\u1eafc c\u1ee9ng nh\u1eafc ra th\u00ec c\u1ea3 l\u00e0ng \u0111\u1ec1u sai. T\u1eeb vi\u1ec7c tho\u1ea3 thu\u1eadn LS 12%\/n\u0103m, cho \u0111\u1ebfn th\u1ef1c t\u1ebf ni\u00eam y\u1ebft tr\u00ean 13,5%\/n\u0103m, \u0111\u1ec1u sai tu\u1ed1t tu\u1ed3n tu\u1ed9t. V\u00e0 n\u00f3i huy \u0111\u1ed9ng th\u1ebf sai, th\u00ec cho vay c\u00f2n tr\u1ea7m tr\u1ecdng h\u01a1n nhi\u1ec1u. C\u1ee9 theo nguy\u00ean t\u1eafc c\u1ee7a Lu\u1eadt Ban h\u00e0nh V\u0103n b\u1ea3n QPPL n\u0103m 2008, th\u00ec b\u00e2y gi\u1edd cho vay t\u1ed1i \u0111a c\u0169ng ch\u1ec9 \u0111\u01b0\u1ee3c 13,5%, Th\u00f4ng t\u01b0 12 c\u0169ng ch\u1eb3ng \u0111\u1ebb ra ch\u1eef n\u00e0o cho ph\u00e9p cao h\u01a1n, nh\u01b0ng r\u1ed3i t\u1ea5t c\u1ea3 c\u1ee9 \u00f9 xo\u1eb9, m\u1eadp m\u1edd\u2026\u201d .<\/em><\/p>\n

\u0110\u1ea7u th\u00e1ng 12, t\u1ea1i cu\u1ed9c h\u1ecdp b\u00e1o th\u01b0\u1eddng k\u1ef3 Ch\u00ednh ph\u1ee7, Th\u1ed1ng \u0111\u1ed1c NHNN Nguy\u1ec5n V\u0103n Gi\u00e0u cho r\u1eb1ng, LS t\u0103ng cao trong th\u1eddi gian qua l\u00e0 “b\u1ea5t kh\u1ea3 kh\u00e1ng”, v\u00ec l\u1ee3i \u00edch c\u1ee7a c\u1ea3 n\u1ec1n kinh t\u1ebf l\u00e0 ch\u1ed1ng l\u1ea1m ph\u00e1t, \u0111\u1ebfn m\u1ed9t l\u00fac n\u00e0o \u0111\u1ea5y n\u1ec1n kinh t\u1ebf \u1ed5n \u0111\u1ecbnh r\u1ed3i th\u00ec LS c\u1ea1nh tranh c\u00e0ng ng\u00e0y ph\u1ea3i c\u00e0ng gi\u1ea3m xu\u1ed1ng. Th\u1ebf nh\u01b0ng, ch\u1eb3ng ai, k\u1ec3 c\u1ea3 NHNN ng\u1edd \u0111\u01b0\u1ee3c LS b\u1ecb \u0111\u1ea9y l\u00ean m\u1ee9c kh\u1ee7ng khi\u1ebfp, g\u1ea7n nh\u01b0 b\u1eb1ng m\u1ee9c LS cao nh\u1ea5t v\u00e0o n\u0103m 2008, v\u00e0 vi\u1ec7c nhi\u1ec1u NH h\u1ed1t ho\u1ea3ng v\u00e0 t\u00ecm c\u00e1ch ph\u1ea3n \u1ee9ng c\u0169ng l\u00e0 \u0111i\u1ec1u d\u1ec5 hi\u1ec3u. S\u1ef1 c\u1ed1 h\u00f4m 8\/12 v\u1eeba qua, NHNN \u0111\u00e3 c\u00f3 \u0111\u1ed9ng th\u00e1i kh\u00e1 nhanh nh\u01b0ng k\u1ebft c\u1ee5c v\u1eabn b\u1ecb \u0111\u1ed9ng, cu\u1ed9c h\u1ecdp giao ban th\u00f4ng th\u01b0\u1eddng v\u1edbi c\u00e1c NH \u1edf NHNN \u0111\u00e3 chuy\u1ec3n h\u01b0\u1edbng sang vi\u1ec7c x\u1eed l\u00fd l\u1ed9n x\u1ed9n LS tr\u00ean th\u1ecb tr\u01b0\u1eddng.<\/p>\n

NHNN m\u1ed9t m\u1eb7t \u0111\u00e3 ph\u00e1t \u0111i th\u00f4ng \u0111i\u1ec7p v\u1ec1 s\u1ef1 \u1ed5n \u0111\u1ecbnh v\u1ec1 thanh kho\u1ea3n c\u1ee7a h\u1ec7 th\u1ed1ng NH, m\u1ed9t m\u1eb7t c\u1ea3nh b\u00e1o s\u1ebd x\u1eed l\u00fd n\u1eb7ng c\u00e1c NH t\u0103ng LS qu\u00e1 cao. V\u1edbi c\u00e1ch r\u0103n \u0111e n\u00e0y, vi\u1ec7c c\u00e1c NH nhanh ch\u00f3ng h\u1ea1 LS\u00a0 hay LS \u201cr\u00fat v\u00e0o h\u1ecdat \u0111\u1ed9ng b\u00ed m\u1eadt\u201d c\u0169ng l\u00e0 \u0111i\u1ec1u d\u1ec5 hi\u1ec3u.\u00a0 \u201cTh\u1ef1c ra, \u0111\u00e2y l\u00e0 m\u1ec7nh l\u1ec7nh h\u00e0nh ch\u00ednh. N\u1ebfu chi\u1ebfu theo c\u00e1c v\u0103n b\u1ea3n hi\u1ec7n h\u00e0nh, ch\u01b0a c\u00f3 quy \u0111\u1ecbnh n\u00e0o cho ph\u00e9p NHNN \u0111\u01b0\u1ee3c x\u1eed ph\u1ea1t. Th\u1ebf nh\u01b0ng, c\u00e1c NH v\u1eabn bu\u1ed9c ph\u1ea3i ch\u1ea5p h\u00e0nh l\u1ec7nh c\u1ee7a NHNN\u2026\u201d- Lu\u1eadt s\u01b0 \u0110\u1ee9c cho bi\u1ebft<\/em>.
\nM\u1ed9t khi c\u00e1i g\u1ed1c c\u1ee7a v\u1ea5n \u0111\u1ec1 ch\u01b0a \u0111\u01b0\u1ee3c th\u00e1o g\u1ee1 th\u00ec c\u00f3 l\u1ebd NHNN s\u1ebd ph\u1ea3i ch\u1ea1y theo c\u00e1c s\u1ef1 c\u1ed1 d\u00e0i d\u00e0i\u2026<\/p>\n

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

(Thanh Lan)<\/strong><\/p>\n

——————————————<\/p>\n

Ph\u00e1p lu\u1eadt Vi\u1ec7t Nam 10-12-2010<\/em>","protected":false},"excerpt":{"rendered":"

(PLVN) – Sau \u201cc\u01a1n \u0111i\u00ean\u201d ng\u00e0y 8\/12, h\u00f4m qua (9\/12) l\u00e3i su\u1ea5t \u0111\u00e3\u00a0 \u201ch\u1ea1 nhi\u1ec7t\u201d\u00a0 thu\u1eadn theo ch\u1ec9 \u0111\u1ea1o c\u1ee7a Ng\u00e2n h\u00e0ng Nh\u00e0 n\u01b0\u1edbc. Th\u1ebf nh\u01b0ng, theo kh\u1ea3o s\u00e1t c\u1ee7a ph\u00f3ng vi\u00ean, \u0111\u1eb1ng sau v\u1ebb y\u00ean \u1eafng b\u1ec1 m\u1eb7t v\u1eabn \u0111ang \u00e2m th\u1ea7m m\u1ed9t cu\u1ed9c \u0111ua. L\u00e3i su\u1ea5t\u00a0 th\u1ef1c g\u1eedi l\u00e0 bao nhi\u00eau, ch\u1ec9 ng\u00e2n […]<\/p>\n","protected":false},"author":1,"featured_media":32154,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":""},"categories":[17,26],"tags":[],"class_list":["post-32153","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-binh-luan-gop-y","category-legal-media"],"acf":[],"yoast_head":"\n174. 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