{"id":32316,"date":"2011-04-26T09:47:51","date_gmt":"2011-04-26T02:47:51","guid":{"rendered":"https:\/\/anvilaw.com\/vi\/?p=32316"},"modified":"2022-07-07T09:50:28","modified_gmt":"2022-07-07T02:50:28","slug":"188-dung-huy-dong-va-cho-vay-vang-cam-hay-quan","status":"publish","type":"post","link":"https:\/\/anvilaw.com\/vi\/188-dung-huy-dong-va-cho-vay-vang-cam-hay-quan\/","title":{"rendered":"188. D\u1eebng huy \u0111\u1ed9ng v\u00e0 cho vay v\u00e0ng: \u201cC\u1ea5m\u201c hay \u201cqu\u1ea3n\u201c?"},"content":{"rendered":"<strong>(PL) &#8211; Trong khi ch\u1ee7 tr\u01b0\u01a1ng c\u1ea5m kinh doanh v\u00e0ng mi\u1ebfng tr\u00ean th\u1ecb tr\u01b0\u1eddng t\u1ef1 do theo tinh th\u1ea7n NQ 11 c\u1ee7a Ch\u00ednh ph\u1ee7 c\u00f2n \u201cch\u01b0a \u0111\u00e2u v\u00e0o \u0111\u00e2u\u201d th\u00ec th\u00f4ng tin d\u1eebng ho\u1ea1t \u0111\u1ed9ng cho vay v\u00e0ng t\u1eeb 1\/5 n\u00e0y khi\u1ebfn nhi\u1ec1u ng\u01b0\u1eddi ngao ng\u00e1n\u2026<\/strong><\/p>\n<p><strong>Cho vay th\u00ec d\u1eebng, huy \u0111\u1ed9ng\u2026 th\u00ec ch\u01b0a?<\/strong><\/p>\n<p>M\u1eb7c d\u00f9 h\u00f4m qua, th\u00f4ng tin\u00a0tr\u00ean v\u1eabn ch\u01b0a ch\u00ednh th\u1ee9c \u0111\u01b0\u1ee3c c\u00f4ng b\u1ed1 nh\u01b0ng t\u1eeb nhi\u1ec1u ng\u00e0y nay, th\u00f4ng tin \u0111\u00e3 \u0111\u01b0\u1ee3c d\u0103ng t\u1ea3i tr\u00ean m\u1ed9t s\u1ed1 ph\u01b0\u01a1ng ti\u00ean th\u00f4ng tin \u0111\u1ea1i ch\u00fang, trong \u0111\u00f3 c\u00f3 <em>TTXVN<\/em>.<\/p>\n<p>Theo \u0111\u00f3, th\u00f4ng tin n\u00e0y \u0111\u01b0\u1ee3c ph\u00e1t ra sau cu\u1ed9c h\u1ecdp c\u1ee7a Ng\u00e2n h\u00e0ng Nh\u00e0 n\u01b0\u1edbc (NHNN) v\u1edbi c\u00e1c Ng\u00e2n h\u00e0ng th\u01b0\u01a1ng m\u1ea1i (NHTM) h\u00f4m 21\/4, l\u00e3nh \u0111\u1ea1o NHNN cho bi\u1ebft c\u00e1c ng\u00e2n h\u00e0ng s\u1ebd ng\u1eebng cho vay v\u00e0ng t\u1eeb 1\/5 v\u00e0 ch\u1eadm nh\u1ea5t trong tu\u1ea7n sau s\u1ebd ban h\u00e0nh quy \u0111\u1ecbnh n\u00e0y.<\/p>\n<p>C\u1ee5 th\u1ec3, t\u1eeb ng\u00e0y 1\/5 s\u1ebd ch\u00ednh th\u1ee9c d\u1eebng ho\u1ea1t \u0111\u1ed9ng cho vay v\u00e0ng; 2 n\u0103m sau, ng\u00e0y 1\/5\/2013 ti\u1ebfp t\u1ee5c d\u1eebng nghi\u1ec7p v\u1ee5 huy \u0111\u1ed9ng v\u00e0ng. Ngo\u00e0i vi\u1ec7c ng\u1eebng huy \u0111\u1ed9ng v\u00e0 cho vay v\u00e0ng, ng\u00e2n h\u00e0ng c\u00f2n ph\u1ea3i d\u1eebng vi\u1ec7c chuy\u1ec3n \u0111\u1ed5i v\u00e0ng huy \u0111\u1ed9ng th\u00e0nh v\u1ed1n ti\u1ec1n \u0111\u1ed3ng \u0111\u1ec3 kinh doanh. \u0110\u1ed1i v\u1edbi s\u1ed1 v\u1ed1n \u0111\u00e3 chuy\u1ec3n \u0111\u1ed5i, ch\u1eadm nh\u1ea5t ng\u00e0y 30\/6\/2011, c\u00e1c ng\u00e2n h\u00e0ng ph\u1ea3i t\u1ea5t to\u00e1n to\u00e0n b\u1ed9.<\/p>\n<p>Theo NHNN, c\u1ea5m cho vay v\u00e0 huy \u0111\u1ed9ng v\u00e0ng th\u1ec3 hi\u1ec7n r\u00f5 quy\u1ebft t\u00e2m c\u1ee7a NHNN trong vi\u1ec7c ch\u1ed1ng t\u00ecnh tr\u1ea1ng \u201cv\u00e0ng h\u00f3a\u201d n\u1ec1n kinh t\u1ebf, b\u00ean c\u1ea1nh m\u1ee5c ti\u00eau ch\u1ed1ng \u201c\u0111\u00f4 la h\u00f3a\u201d, nh\u1eb1m n\u00e2ng cao s\u1ee9c m\u1ea1nh c\u1ee7a VND.<\/p>\n<p>Tuy nhi\u00ean, b\u00ecnh lu\u1eadn v\u1ec1 ch\u1ee7 tr\u01b0\u01a1ng n\u00e0y, kh\u00f4ng \u00edt ng\u01b0\u1eddi nghi ng\u1edd kh\u1ea3 n\u0103ng qu\u1ea3n l\u00fd \u0111i\u1ec1u h\u00e0nh c\u1ee7a NHNN. \u201cKh\u00f4ng qu\u1ea3n \u0111\u01b0\u1ee3c th\u00ec l\u1ea1i c\u1ea5m&#8221;, m\u1ed9t chuy\u00ean gia b\u00ecnh lu\u1eadn. Tuy nhi\u00ean, \u0111i\u1ec1u khi\u1ebfn kh\u00e1 nhi\u1ec1u ng\u01b0\u1eddi am hi\u1ec3u nghi\u1ec7p v\u1ee5 ng\u00e2n h\u00e0ng ng\u1ea1c nhi\u00ean l\u00e0 t\u1ea1i sao c\u1ea5m cho vay m\u00e0 m\u00e3i 2 n\u0103m sau m\u1edbi c\u1ea5m huy \u0111\u1ed9ng?. N\u1ebfu c\u00e1c NHTM kh\u00f4ng \u0111\u01b0\u1ee3c cho vay th\u00ec huy \u0111\u1ed9ng li\u1ec7u c\u00f2n ngh\u0129a?.<\/p>\n<p><strong>\u201cC\u1ea5m\u201d hay \u201cqu\u1ea3n\u201d?<\/strong><\/p>\n<p>Th\u00f4ng \u0111i\u1ec7p t\u1eeb NHNN, \u0111\u1ed3ng th\u1eddi v\u1edbi vi\u1ec7c c\u1ea5m, s\u1ebd ban h\u00e0nh nhi\u1ec1u ch\u00ednh s\u00e1ch kh\u00e1c \u0111\u1ec3 c\u00f3 th\u1ec3 qu\u1ea3n l\u00fd \u0111\u1ed3ng b\u1ed9 th\u1ecb tr\u01b0\u1eddng v\u00e0ng, \u0111\u1ea3m b\u1ea3o nhu c\u1ea7u h\u1ee3p ph\u00e1p c\u1ee7a ng\u01b0\u1eddi d\u00e2n, c\u0169ng nh\u01b0 m\u1ee5c ti\u00eau c\u1ee7a ch\u00ednh s\u00e1ch. Th\u1ebf nh\u01b0ng\u00a0 cho \u0111\u1ebfn th\u1eddi di\u1ec3m hi\u1ec7n t\u1ea1i, khi ch\u1ec9 c\u00f2n \u00edt ng\u00e0y n\u1eefa l\u00e0 \u0111\u1ebfn th\u1eddi \u0111i\u1ec3m 1\/5 th\u00ec c\u00e1c \u201cch\u00ednh s\u00e1ch kh\u00e1c\u201d m\u00e0 NHNN \u0111\u1ec1 c\u1eadp \u0111\u1ebfn v\u1eabn ch\u01b0a \u201cl\u1ed9 di\u1ec7n\u201d k\u1ec3 c\u00e1c ch\u00ednh s\u00e1ch \u201cc\u1ea5m kinh doanh v\u00e0ng mi\u1ebfng tr\u00ean th\u1ecb tr\u01b0\u1eddng t\u1ef1 do\u201d \u0111\u01b0\u1ee3c \u0111\u1ec1 c\u1eadp t\u1eeb nhi\u1ec1u th\u00e1ng nay, \u0111\u1ebfn nay v\u1eabn ch\u01b0a th\u1ea5y c\u00f4ng b\u1ed1 d\u1ef1 th\u1ea3o.<\/p>\n<p>Theo s\u1ed1 li\u1ec7u c\u1ee7a NHNN, hi\u1ec7n c\u00f3 23 t\u1ed5 ch\u1ee9c t\u00edn d\u1ee5ng (TCTD) huy \u0111\u1ed9ng v\u00e0 cho vay b\u1eb1ng v\u00e0ng; cu\u1ed1i th\u00e1ng 9\/2010, s\u1ed1 d\u01b0 huy \u0111\u1ed9ng v\u00e0 cho vay b\u1eb1ng v\u00e0ng l\u00e0 92,6 t\u1ea5n, t\u01b0\u01a1ng \u0111\u01b0\u01a1ng 73.000 t\u1ef7 \u0111\u1ed3ng. C\u00e1c TCTD cho vay ch\u1ec9 chi\u1ebfm 60% so v\u1edbi v\u1ed1n huy \u0111\u1ed9ng b\u1eb1ng v\u00e0ng.<\/p>\n<p>Theo PGS. TS L\u00ea Ho\u00e0ng Nga, \u1ee6y ban Ch\u1ee9ng kho\u00e1n nh\u00e0 n\u01b0\u1edbc, t\u1eeb nhi\u1ec1u n\u0103m nay, ho\u1ea1t \u0111\u1ed9ng huy \u0111\u1ed9ng v\u00e0 cho vay v\u00e0ng trong h\u1ec7 th\u1ed1ng TCTD \u00edt ch\u1ecbu r\u00e0ng bu\u1ed9c, th\u1eadm ch\u00ed ng\u00e2n h\u00e0ng c\u00f2n \u0111\u01b0\u1ee3c s\u1eed d\u1ee5ng t\u1ed1i \u0111a 30% s\u1ed1 v\u00e0ng huy \u0111\u1ed9ng \u0111\u01b0\u1ee3c v\u1edbi l\u00e3i su\u1ea5t r\u1ea5t th\u1ea5p (ch\u01b0a \u0111\u1ebfn 1%) \u0111\u1ec3 ho\u00e1n \u0111\u1ed1i ra ti\u1ec1n \u0111\u1ed3ng cho vay v\u1edbi l\u00e3i su\u1ea5t cao.<\/p>\n<p>Tuy nhi\u00ean, nghi\u1ec7p v\u1ee5 n\u00e0y \u0111i k\u00e8m v\u1edbi r\u1ee7i ro r\u1ea5t l\u1edbn, nh\u1ea5t l\u00e0 khi gi\u00e1 v\u00e0ng bi\u1ebfn \u0111\u1ed9ng m\u1ea1nh m\u00e0 c\u00e1c ng\u00e2n h\u00e0ng kh\u00f4ng c\u00f2n \u0111\u1ee7 c\u00f4ng c\u1ee5 b\u1ea3o hi\u1ec3m r\u1ee7i ro v\u1ec1 thanh kho\u1ea3n c\u0169ng nh\u01b0 gi\u00e1 (do kh\u00f4ng \u0111\u01b0\u1ee3c kinh doanh v\u00e0ng tr\u00ean t\u00e0i kho\u1ea3n \u1edf n\u01b0\u1edbc ngo\u00e0i v\u00e0 c\u0169ng hi\u1ebfm khi \u0111\u01b0\u1ee3c nh\u1eadp v\u00e0ng v\u1ea5t ch\u1ea5t).<\/p>\n<p>Vi\u1ec7c huy \u0111\u1ed9ng v\u00e0ng v\u00e0 cho vay v\u00e0ng trog m\u1ed9t s\u1ed1 tr\u01b0\u1eddng h\u1ee3p c\u0169ng g\u00e2y bi\u1ebfn \u0111\u1ed9ng cung c\u1ea7u v\u00e0 gi\u00e1 c\u1ea3 tr\u00ean th\u1ecb tr\u01b0\u1eddng, nguy hi\u1ec3m h\u01a1n, bi\u1ebfn \u0111\u1ed9ng gi\u00e1 v\u00e0ng th\u01b0\u1eddng t\u00e1c \u0111\u1ed9ng r\u1ea5t l\u1edbn \u0111\u1ebfn th\u1ecb tr\u01b0\u1eddng ngo\u1ea1i t\u1ec7\u00a0 v\u00e0 ng\u01b0\u1ee3c l\u1ea1i.<\/p>\n<p><em>\u201cKh\u00f4ng ph\u1ea3i c\u1ee9 c\u1ea5m l\u00e0 gi\u1ea3i quy\u1ebft \u0111\u01b0\u1ee3c v\u1ea5n \u0111\u1ec1, nh\u1ea5t l\u00e0 khi ch\u01b0a c\u00f3 gi\u1ea3i ph\u00e1p t\u1ed5ng th\u1ec3 v\u00e8 v\u1ea5n \u0111\u1ec1 n\u00e0y\u2026\u201d, Lu\u1eadt s\u01b0 Tr\u01b0\u01a1ng Thanh \u0110\u1ee9c kh\u1eb3ng \u0111\u1ecbnh. Theo Lu\u1eadt s\u01b0 \u0110\u1ee9c, trong khi ch\u01b0a c\u00f3 gi\u1ea3i ph\u00e1p t\u1ed5ng th\u1ec3 v\u00e0 h\u1eefu hi\u1ec7u \u0111\u1ec3 s\u1eed d\u1ee5ng ngu\u1ed3n t\u00e0i s\u1ea3n r\u1ea5t l\u1edbn n\u00e0y th\u00ec NHNN ch\u1ec9 n\u00ean \u0111\u1eb7t ra c\u00e1c \u0111i\u1ec1u ki\u1ec7n \u0111\u1ec3 c\u00e1c NHTM ph\u1ea3i theo, t\u00f9y t\u1eebng th\u1eddi \u0111i\u1ec3m m\u00e0 c\u00e1c \u0111i\u1ec1u ki\u1ec7n n\u00e0y ch\u1eb7t hay l\u1ecfng. V\u00ed d\u1ee5 nh\u01b0 NHTM mu\u1ed1n huy \u0111\u1ed9ng hay cho vay v\u00e0ng th\u00ec ph\u1ea3i mua b\u1ea3o hi\u1ec3m v\u00e8 gi\u00e1 v\u00e0ng ch\u1eb3ng h\u1ea1n\u2026<\/em><\/p>\n<p><em>\u0110i\u1ec1u g\u00ec s\u1ebd x\u1ea3y ra khi Nh\u00e0 n\u01b0\u1edbc c\u1ea5m kinh doanh v\u00e0ng mi\u1ebfng (d\u1eabu l\u00e0 tr\u00ean th\u1ecb tr\u01b0\u1eddng t\u1ef1 do) \u0111\u1ed3ng th\u1eddi c\u00e1c ng\u00e2n h\u00e0ng kh\u00f4ng \u0111\u01b0\u1ee3c huy \u0111\u1ed9ng v\u00e0 cho vay v\u00e0ng?.\u00a0\u201cT\u00f4i tin r\u1eb1ng ng\u01b0\u1eddi d\u00e2n v\u1eabn gi\u1eef ch\u1eb7t v\u00e0ng b\u1edfi \u0111\u00f3 l\u00e0 th\u00f3i quen bao \u0111\u1eddi nay c\u1ee7a ng\u01b0\u1eddi Vi\u1ec7t Nam,\u00a0 nh\u1ea5t l\u00e0 khi \u0111\u1ed3ng n\u1ed9i t\u1ec7 lu\u00f4n b\u1ecb m\u1ea5t gi\u00e1 do l\u1ea1m ph\u00e1t. Ng\u01b0\u1eddi ta s\u1ebd ti\u1ebfp t\u1ee5c c\u1ea5t tr\u1eef, mua b\u00e1n, quy \u0111\u1ed5i, giao d\u1ecbch v\u00e0ng b\u00ean ngo\u00e0i th\u1ecb tr\u01b0\u1eddng t\u1ef1 do. Khi \u0111\u00f3 r\u1ee7i ro ph\u00e1p l\u00fd s\u1ebd t\u0103ng l\u00ean, ch\u01b0a k\u1ec3 x\u00e3 h\u1ed9i l\u00e3ng ph\u00ed m\u1ed9t ngu\u1ed3n l\u1ef1c r\u1ea5t l\u1edbn\u2026\u201d, Lu\u1eadt s\u01b0 \u0110\u1ee9c kh\u1eb3ng \u0111\u1ecbnh.<\/em><\/p>\n<p>Theo TS Nguy\u1ec5n \u0110\u1ee9c \u0110\u1ed9, Vi\u1ec7n Kinh t\u1ebf &#8211; T\u00e0i ch\u00ednh, m\u1ee5c ti\u00eau c\u1ea5m huy \u0111\u1ed9ng v\u00e0 cho vay v\u00e0ng nh\u1eb1m &#8220;\u0111\u1ea9y&#8221; ng\u01b0\u1eddi d\u00e2n chuy\u1ec3n t\u1eeb g\u1eedi v\u00e0ng sang ti\u1ec1n ti\u1ebft ki\u1ec7m v\u00e0 vay m\u01b0\u1ee3n b\u1eb1ng VND. Tuy nhi\u00ean, TS \u0110\u1ed9 c\u0169ng cho r\u1eb1ng kh\u00f4ng d\u1ec5 g\u00ec ng\u01b0\u1eddi d\u00e2n thay \u0111\u1ed5i th\u00f3i quen c\u1ea5t tr\u1eef v\u00e0ng, ch\u01b0a k\u1ec3, c\u00f3 th\u1ec3 do c\u1ea5m v\u00e0ng, c\u1ea5m ngo\u1ea1i t\u1ec7 n\u00ean ng\u01b0\u1eddi d\u00e2n ph\u1ea3i \u0111\u1ed5 x\u00f4 vay VND n\u00ean l\u00e3i su\u1ea5t s\u1ebd r\u1ea5t cao, ho\u1ea1t \u0111\u1ed9ng DN tr\u1edf n\u00ean v\u00f4 c\u00f9ng kh\u00f3 kh\u0103n<em>\u2026\u201cV\u1ea5n \u0111\u1ec1 c\u1ed1t l\u00f5i v\u1eabn l\u00e0 \u1ed5n \u0111\u1ecbnh \u0111\u1ed3ng ti\u1ec1n VND v\u00e0 thay v\u00ec c\u1ea5m \u0111o\u00e1n c\u1ea7n c\u00f3 c\u00e1c bi\u1ec7n ph\u00e1p qu\u1ea3n l\u00fd \u0111\u1ec3 ng\u01b0\u1eddi d\u00e2n t\u1ef1 nh\u1eadn th\u1ea5y l\u1ee3i \u00edch t\u1eeb vi\u1ec7c n\u1eafm gi\u1eef \u0111\u1ed3ng ti\u1ec1n c\u1ee7a qu\u1ed1c gia m\u00ecnh\u2026&#8221;, Lu\u1eadt s\u01b0 Tr\u01b0\u01a1ng Thanh \u0110\u1ee9c \u0111\u1ec1 xu\u1ea5t.<\/em><\/p>\n<p><strong>Hi\u1ec3u My<\/strong><\/p>\n<p>&#8212;&#8212;&#8212;&#8212;&#8212;&#8212;&#8212;&#8212;&#8212;&#8212;&#8212;&#8212;&#8212;&#8211;<\/p>\n<p><em>Ph\u00e1p lu\u1eadt Vi\u1ec7t Nam 26-4-2011:<\/em><\/p>\n<p>http:\/\/phapluatvn.vn\/kinhte\/201104\/Cam-hay-quan-kinh-doanh-vang-mieng-tu-do-2046789\/","protected":false},"excerpt":{"rendered":"<p>(PL) &#8211; Trong khi ch\u1ee7 tr\u01b0\u01a1ng c\u1ea5m kinh doanh v\u00e0ng mi\u1ebfng tr\u00ean th\u1ecb tr\u01b0\u1eddng t\u1ef1 do theo tinh th\u1ea7n NQ 11 c\u1ee7a Ch\u00ednh ph\u1ee7 c\u00f2n \u201cch\u01b0a \u0111\u00e2u v\u00e0o \u0111\u00e2u\u201d th\u00ec th\u00f4ng tin d\u1eebng ho\u1ea1t \u0111\u1ed9ng cho vay v\u00e0ng t\u1eeb 1\/5 n\u00e0y khi\u1ebfn nhi\u1ec1u ng\u01b0\u1eddi ngao ng\u00e1n\u2026 Cho vay th\u00ec d\u1eebng, huy \u0111\u1ed9ng\u2026 th\u00ec ch\u01b0a? M\u1eb7c [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":32317,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":""},"categories":[17,26],"tags":[],"class_list":["post-32316","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>188. D\u1eebng huy \u0111\u1ed9ng v\u00e0 cho vay v\u00e0ng: \u201cC\u1ea5m\u201c hay \u201cqu\u1ea3n\u201c? - 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\/188-dung-huy-dong-va-cho-vay-vang-cam-hay-quan\/\" \/>\n<meta property=\"og:locale\" content=\"vi_VN\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"[:vi]188. 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