{"id":32437,"date":"2013-03-15T08:41:06","date_gmt":"2013-03-15T01:41:06","guid":{"rendered":"https:\/\/anvilaw.com\/vi\/?p=32437"},"modified":"2022-07-08T08:51:56","modified_gmt":"2022-07-08T01:51:56","slug":"340-he-thong-ngan-hang-voi-nhung-con-so-so-soang-trong-dem","status":"publish","type":"post","link":"https:\/\/anvilaw.com\/vi\/340-he-thong-ngan-hang-voi-nhung-con-so-so-soang-trong-dem\/","title":{"rendered":"340. H\u1ec7 th\u1ed1ng ng\u00e2n h\u00e0ng v\u1edbi nh\u1eefng con s\u1ed1 s\u1edd so\u1ea1ng trong \u0111\u00eam"},"content":{"rendered":"(SM) – <\/strong>B\u1ea5t ch\u1ea5p vi\u1ec7c NHNN tuy\u00ean b\u1ed1 \u0111\u00e3 gi\u1ea3m \u0111\u01b0\u1ee3c n\u1ee3 x\u1ea5u xu\u1ed1ng c\u00f2n 6% t\u1eeb 8%, v\u1ed1n t\u1ef1 c\u00f3 c\u1ee7a to\u00e0n h\u1ec7 th\u1ed1ng ng\u00e2n h\u00e0ng th\u00e1ng 1\/2013 \u0111\u00e3 gi\u1ea3m tr\u00ean 50% so v\u1edbi t\u1ed5ng l\u1ee3i nhu\u1eadn c\u1ee7a n\u0103m 2012 l\u00e0 28.000 t\u1ef7 \u0111\u1ed3ng, c\u00f2n t\u0103ng tr\u01b0\u1edfng t\u00edn d\u1ee5ng hai th\u00e1ng \u0111\u1ea7u n\u0103m v\u1eabn \u00e2m.<\/strong><\/p>\n

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M\u1eb7c d\u00f9 \u0111\u00e3 \u0111\u01b0\u1ee3c n\u00e2ng l\u00ean \u0111\u1eb7t xu\u1ed1ng, thay \u0111i \u0111\u1ed5i l\u1ea1i nhi\u1ec1u l\u1ea7n t\u1eeb NHNN, xong nh\u1eefng con s\u1ed1 tr\u00ean v\u1eabn kh\u00f4ng che l\u1ea5p \u0111\u01b0\u1ee3c th\u1ef1c tr\u1ea1ng bi \u0111\u00e1t c\u1ee7a h\u1ec7 th\u1ed1ng ng\u00e2n h\u00e0ng.<\/p>\n

Nh\u1eefng con s\u1ed1 x\u1ea5u x\u00ed<\/strong><\/p>\n

Ng\u00e0y 9\/3, theo b\u00e1o c\u00e1o c\u1ee7a NHNN, ch\u1ec9 trong th\u00e1ng 1\/2013, 30.000 t\u1ef7 \u0111\u1ed3ng v\u1ed1n t\u1ef1 c\u00f3 c\u1ee7a to\u00e0n h\u1ec7 th\u1ed1ng ng\u00e2n h\u00e0ng \u0111\u00e3 b\u1ed1c h\u01a1i. Con s\u1ed1 n\u00e0y c\u00f2n cao h\u01a1n c\u1ea3 t\u1ed5ng l\u1ee3i nhu\u1eadn n\u0103m 2012 c\u1ee7a to\u00e0n h\u1ec7 th\u1ed1ng l\u00e0 28.000 t\u1ef7 \u0111\u1ed3ng. Song hai ng\u00e0y sau \u0111\u00f3 (t\u1ee9c l\u00e0 11\/3), NHNN \u0111\u00e3 v\u1ed9i v\u00e0ng \u0111\u00ednh ch\u00ednh l\u1ea1i. Vi\u1ec7c c\u00e1c \u0111\u01a1n v\u1ecb b\u00e1o c\u00e1o kh\u00f4ng chu\u1ea9n \u0111\u00e3 \u0111\u01b0\u1ee3c bi\u1ebfn th\u00e0nh l\u00fd do ch\u00ednh \u0111\u00e1ng \u0111\u1ec3 \u0111\u01b0a 14.000 t\u1ef7 \u0111\u1ed3ng v\u00e0o con s\u1ed1 v\u1ed1n t\u1ef1 c\u00f3. V\u1eady l\u00e0 t\u1eeb 393.898 t\u1ef7 \u0111\u1ed3ng, nay v\u1ed1n t\u1ef1 c\u00f3 to\u00e0n h\u1ec7 th\u1ed1ng \u0111\u00e3 \u0111\u01b0\u1ee3c \u0111\u1ea9y l\u00ean con s\u1ed1 408.645 t\u1ef7 \u0111\u1ed3ng. Tuy nhi\u00ean, \u0111i\u1ec1u n\u00e0y kh\u00f4ng th\u1ec3 x\u00f3a \u0111i m\u1ed9t s\u1ef1 th\u1eadt l\u00e0 v\u1ed1n t\u1ef1 c\u00f3 v\u1eabn t\u0103ng tr\u01b0\u1edfng \u00e2m 3,79%, t\u1ee9c l\u00e0 \u0111\u00e3 gi\u1ea3m 15.487 t\u1ef7 \u0111\u1ed3ng, trong \u0111\u00f3 nh\u00f3m NHNN c\u1ed5 ph\u1ea7n gi\u1ea3m g\u1ea7n 2.400 t\u1ef7 \u0111\u1ed3ng; v\u1ed1n t\u1ef1 c\u00f3 nh\u00f3m NHTM c\u1ed5 ph\u1ea7n gi\u1ea3m h\u01a1n 14.894 t\u1ef7 \u0111\u1ed3ng\u2026 \u0110\u00e2y l\u00e0 hi\u1ec7n t\u01b0\u1ee3ng ch\u01b0a t\u1eebng c\u00f3 ti\u1ec1n l\u1ec7 k\u1ec3 t\u1eeb khi NHNN c\u00f4ng b\u1ed1 th\u1ed1ng k\u00ea m\u1ed9t s\u1ed1 ch\u1ec9 ti\u00eau c\u01a1 b\u1ea3n c\u1ee7a c\u00e1c NHTM t\u1eeb th\u00e1ng 5\/2012. Tuy nhi\u00ean, \u0111i\u1ec1u n\u00e0y l\u1ea1i ch\u1eb3ng c\u00f3 g\u00ec l\u1ea1 khi \u0111\u1ebfn nay, c\u00f3 nh\u1eefng con s\u1ed1 th\u1eadm ch\u00ed c\u00f2n ch\u1eb3ng ai bu\u1ed3n \u201cch\u1ed1t s\u1ed5\u201d. V\u00ed nh\u01b0 c\u00e1i \u0111\u01b0\u1ee3c g\u1ecdi l\u00e0 \u201cn\u1ee3 x\u1ea5u\u201d ch\u1eb3ng h\u1ea1n.<\/p>\n

B\u00e1o c\u00e1o c\u1ee7a c\u00e1c TCTD v\u00e0o cu\u1ed1i n\u0103m 2012 ch\u1ec9 c\u00f4ng nh\u1eadn n\u1ee3 x\u1ea5u kho\u1ea3ng 135.000 t\u1ef7 \u0111\u1ed3ng, t\u01b0\u01a1ng \u0111\u01b0\u01a1ng 4,86% t\u1ed5ng d\u01b0 n\u1ee3. Nh\u01b0ng NHNN l\u1ea1i th\u1eeba nh\u1eadn n\u1ee3 x\u1ea5u c\u1ee7a h\u1ec7 th\u1ed1ng c\u00e1c TCTD \u0111\u1ebfn cu\u1ed1i n\u0103m 2012 l\u00e0 8,82% t\u1ed5ng d\u01b0 n\u1ee3 (t\u01b0\u01a1ng \u0111\u01b0\u01a1ng tr\u00ean 200.000 t\u1ef7 \u0111\u1ed3ng), nh\u01b0ng theo Th\u1ed1ng \u0111\u1ed1c NHNN, d\u00f9 th\u1eeba nh\u1eadn con s\u1ed1 tr\u01b0\u1edbc l\u00e0 \u201cx\u00e1c \u0111\u00e1ng v\u00e0 c\u00f3 c\u01a1 s\u1edf khoa h\u1ecdc nh\u1ea5t\u201d c\u0169ng m\u1ea1nh d\u1ea1n \u0111\u01b0a ra con s\u1ed1 \u201cc\u00f3 th\u1ec3\u201d l\u00e0 10%. C\u00f2n TS Tr\u1ea7n \u0110\u00ecnh Thi\u00ean – Vi\u1ec7n tr\u01b0\u1edfng Vi\u1ec7n Kinh t\u1ebf Vi\u1ec7t Nam – l\u1ea1i cho bi\u1ebft n\u1ee3 x\u1ea5u ng\u00e2n h\u00e0ng ph\u1ea3i t\u1edbi 400.000 t\u1ef7 \u0111\u1ed3ng. D\u00f9 con s\u1ed1 8,82% (nay \u0111\u01b0\u1ee3c cho l\u00e0 ch\u1ec9 c\u00f2n 6%) \u0111\u00e3 \u0111\u01b0\u1ee3c t\u1ea1m d\u00f9ng, tuy nhi\u00ean \u0111a ph\u1ea7n b\u00e1o c\u00e1o kinh t\u1ebf hay khuy\u1ebfn c\u00e1o m\u00e0 c\u01a1 quan h\u1eefu tr\u00e1ch \u0111\u01b0a ra th\u01b0\u1eddng k\u00e8m th\u00eam m\u1ed9t c\u00e2u cho an to\u00e0n: \u201cN\u1ee3 x\u1ea5u tr\u00ean th\u1ef1c t\u1ebf c\u00f3 th\u1ec3 cao h\u01a1n do\u2026\u201d<\/p>\n

T\u00ednh chung l\u00e0 v\u1eady, c\u00f2n b\u1ea3n th\u00e2n m\u1ed7i ng\u00e2n h\u00e0ng \u0111\u1ec1u th\u1ed1ng nh\u1ea5t ph\u1ea7n l\u1edbn n\u1ee3 \u201cv\u1eabn trong t\u1ea7m ki\u1ec3m so\u00e1t\u201d: BIDV c\u00f3 t\u1ef7 l\u1ec7 n\u1ee3 x\u1ea5u 2,7% tr\u00ean t\u1ed5ng d\u01b0 n\u1ee3, Vietcombank l\u00e0 2,26%, Vietinbank 1,46%, Sacombank 1,89%, Eximbank 1,2% v\u00e0 NH Qu\u00e2n \u0111\u1ed9i (MB) 1,85%, ngay c\u1ea3 top nh\u1eefng ng\u00e2n h\u00e0ng c\u00f3 m\u1ee9c n\u1ee3 x\u1ea5u ng\u1ea5t ng\u01b0\u1edfng l\u00e0 Agribank<\/u> v\u1edbi 5,8% v\u00e0 SHB<\/u> d\u1eabn \u0111\u1ea7u v\u1edbi 8,53% (\u0111\u01b0\u1ee3c cho l\u00e0 n\u1ee3 t\u1eeb Habubank). Danh s\u00e1ch 9 ng\u00e2n h\u00e0ng bu\u1ed9c ph\u1ea3i t\u00e1i c\u1ea5u tr\u00fac \u0111a ph\u1ea7n l\u1ea1i l\u00e0 ti\u1ec3u gia. C\u00f3 v\u1ebb c\u00e1c ng\u00e2n h\u00e0ng l\u1edbn v\u1eabn \u201c\u0111\u1eb9p\u201d n\u00ean kh\u00f4ng c\u1ea7n thi\u1ebft t\u00e1i c\u01a1 c\u1ea5u. N\u1ebfu qu\u1ea3 c\u00f3 th\u1ebf th\u00ec c\u00e1c ng\u00e2n h\u00e0ng c\u0169ng kh\u00f4ng ph\u1ea3i ph\u00e1t s\u1ed1t l\u00ean t\u00ecm gi\u1ea3i ph\u00e1p ch\u1ec9 \u0111\u1ec3 x\u00f3a c\u00e1i \u201c\u0111\u00fang l\u00e0 c\u00f3 x\u1ea5u nh\u01b0ng kh\u00f4ng x\u1ea5u nh\u01b0 ng\u01b0\u1eddi ta t\u01b0\u1edfng\u201d – ch\u00ed \u00edt l\u00e0 theo tr\u1ea7n t\u00ecnh v\u00e0 th\u00f4ng qua nh\u1eefng con s\u1ed1 nay \u0111\u00e2y, mai n\u1edf, kh\u00f3 tin..<\/p>\n

Quanh co nguy\u00ean nh\u00e2n<\/strong><\/p>\n

Nhi\u1ec1u lu\u1eadn gi\u1ea3i nguy\u00ean nh\u00e2n \u0111\u01b0\u1ee3c \u0111em ra m\u1ed5 x\u1ebb. Nh\u01b0ng nh\u00ecn chung v\u1eabn t\u1eadp trung nhi\u1ec1u v\u00e0o l\u00fd do: ham tr\u00edch l\u1eadp d\u1ef1 ph\u00f2ng r\u1ee7i ro khi\u1ebfn v\u1ed1n t\u1ef1 c\u00f3 c\u1ee7a ng\u00e2n h\u00e0ng nh\u00edch kh\u00f4ng n\u1ed5i. Song chuy\u1ec7n l\u1eadp d\u1ef1 ph\u00f2ng r\u1ee7i ro kh\u00f4ng \u0111\u1ed3ng ngh\u0129a v\u1edbi con s\u1ed1 2% n\u1ee3 x\u1ea5u bi\u1ebfn m\u1ea5t m\u1ed9t c\u00e1ch g\u1ecdn g\u00e0ng. V\u1ed1n t\u1ef1 c\u00f3 v\u1edbi th\u00e0nh ph\u1ea7n d\u1ef1 ph\u00f2ng ho\u00e0n to\u00e0n ch\u1ec9 c\u00f3 \u00fd ngh\u0129a m\u1ed9t khi con n\u1ee3 kh\u00f4ng th\u1ec3 tr\u1ea3 th\u00ec ng\u00e2n h\u00e0ng c\u00f3 \u0111\u1ee7 n\u0103ng l\u1ef1c t\u00e0i ch\u00ednh \u0111\u1ec3 h\u1ea5p thu s\u1ed1 l\u1ed7, kh\u00f4ng g\u00e2y \u1ea3nh h\u01b0\u1edfng \u0111\u1ebfn c\u00e1c ho\u1ea1t \u0111\u1ed9ng kh\u00e1c c\u1ee7a ng\u00e2n h\u00e0ng, ch\u1ee9 tuy\u1ec7t nhi\u00ean con n\u1ee3 kh\u00f4ng h\u1ec1 chi ra m\u1ed9t \u0111\u1ed3ng n\u00e0o.<\/p>\n

Trong Quy\u1ebft \u0111\u1ecbnh 493\/2005\/Q\u0110-NHNN c\u0169ng \u0111\u00e3 n\u00eau r\u00f5: Vi\u1ec7c t\u1ed5 ch\u1ee9c t\u00edn d\u1ee5ng s\u1eed d\u1ee5ng d\u1ef1 ph\u00f2ng \u0111\u1ec3 x\u1eed l\u00fd r\u1ee7i ro t\u00edn d\u1ee5ng kh\u00f4ng ph\u1ea3i l\u00e0 xo\u00e1 n\u1ee3 cho kh\u00e1ch h\u00e0ng. Tuy nhi\u00ean, nh\u1edd nh\u1eefng t\u00f4 v\u1ebd \u0111\u01b0\u1ee3c tung h\u00f4 b\u1eb1ng nhi\u1ec1u c\u00e1ch, ng\u01b0\u1eddi ta t\u1ecf ra h\u00e2n hoan tr\u01b0\u1edbc th\u00e0nh c\u00f4ng \u0111\u1ed9t xu\u1ea5t v\u1ec1 vi\u1ec7c gi\u1ea3m \u0111\u01b0\u1ee3c n\u1ee3 x\u1ea5u, khi\u1ebfn nhi\u1ec1u \u00e1nh m\u1eaft \u0111\u1ed5 d\u1ed3n v\u1ec1 ph\u00eda ng\u00e2n h\u00e0ng m\u00e0 qu\u00ean m\u1ea5t ti\u00eau \u0111\u1ed1i t\u01b0\u1ee3ng v\u00f4 c\u00f9ng quan tr\u1ecdng: CON N\u1ee2. C\u1ea3 tr\u01b0\u1edbc v\u00e0 sau khi ng\u00e2n h\u00e0ng tr\u00edch l\u1eadp d\u1ef1 ph\u00f2ng r\u1ee7i ro, n\u1ebfu kh\u00f4ng tr\u1ea3 \u0111\u01b0\u1ee3c n\u1ee3, th\u00ec con n\u1ee3 v\u1eabn c\u1ee9 l\u00e0 con n\u1ee3, s\u1ed1 con n\u1ee3 c\u1ee7a ng\u00e2n h\u00e0ng kh\u00f4ng h\u1ec1 gi\u1ea3m b\u1edbt, n\u1ebfu ch\u01b0a mu\u1ed1n t\u00ednh s\u1ed1 ti\u1ec1n n\u1ee3 c\u00f2n c\u00f3 th\u1ec3 t\u0103ng l\u00ean th\u00f4ng qua nghi\u1ec7p v\u1ee5 \u0111\u1ea3o n\u1ee3.<\/p>\n

M\u1ed9t s\u1ed1 \u00fd ki\u1ebfn cho r\u1eb1ng m\u1ed9t ph\u1ea7n kho\u1ea3n n\u1ee3 x\u1ea5u gi\u1ea3m l\u00e0 do ng\u00e2n h\u00e0ng th\u1ef1c hi\u1ec7n c\u01a1 c\u1ea5u l\u1ea1i c\u00e1c kho\u1ea3n n\u1ee3 theo c\u00f4ng v\u0103n 3739\/NHNN v\u1ec1 th\u1ef1c hi\u1ec7n c\u00e1c gi\u1ea3i ph\u00e1p ti\u1ec1n t\u1ec7, t\u00edn d\u1ee5ng theo ch\u1ee7 tr\u01b0\u01a1ng c\u1ee7a Ch\u00ednh ph\u1ee7 t\u1ea1i Ngh\u1ecb quy\u1ebft 13\/NQ-CP. Th\u1ebf nh\u01b0ng, lu\u1eadt s\u01b0 Tr\u01b0\u01a1ng Thanh \u0110\u1ee9c,\u00a0<\/em>Gi\u00e1m \u0111\u1ed1c C\u00f4ng ty Lu\u1eadt ANVI<\/em>\u00a0t\u1eebng ch\u1ec9 ra r\u1eb1ng c\u01a1 c\u1ea5u l\u1ea1i n\u1ee3 bao g\u1ed3m th\u1eddi h\u1ea1n tr\u1ea3 n\u1ee3, l\u00e3i su\u1ea5t, cho vay n\u1ee3 m\u1edbi \u0111\u1ec3 tr\u1ea3 n\u1ee3 c\u0169 v\u00e0 n\u1ee3 m\u1edbi bao gi\u1edd c\u0169ng c\u00f3 l\u00e3i su\u1ea5t th\u1ea5p h\u01a1n ho\u1eb7c b\u1eb1ng n\u1ee3 c\u0169\u2026 th\u1ef1c ch\u1ea5t ch\u00ednh l\u00e0 m\u1ed9t d\u1ea1ng \u0111\u1ea3o n\u1ee3, th\u01b0\u1eddng b\u1ecb bi\u1ebfn t\u01b0\u1edbng th\u00e0nh m\u1ed9t c\u00f4ng c\u1ee5 tuy\u1ec7t v\u1eddi \u0111\u1ec3 che gi\u1ea5u n\u1ee3 x\u1ea5u. <\/em>Tuy nhi\u00ean, \u0111\u00e2y c\u0169ng ch\u00ednh l\u00e0 c\u00f4ng c\u1ee5 h\u1eefu \u00edch cho vi\u1ec7c l\u00e0m s\u1ee5p \u0111\u1ed5 c\u1ea3 h\u1ec7 th\u1ed1ng ng\u00e2n h\u00e0ng, khi c\u1ea3 n\u1ee3 c\u0169 l\u1eabn n\u1ee3 m\u1edbi \u0111\u1ec1u x\u1ea5u, n\u1ee3 ch\u1ed3ng n\u1ee3. T\u1ea5t nhi\u00ean, mu\u1ed1n vay m\u1edbi \u0111\u1ec3 tr\u1ea3 c\u00e1i c\u0169 c\u0169ng ph\u1ea3i ch\u1ecbu v\u00f4 kh\u1ed1i \u0111i\u1ec1u ki\u1ec7n, c\u0169ng ph\u1ea3i ch\u1ee9ng minh \u0111\u01b0\u1ee3c n\u0103ng l\u1ef1c n\u00e0y n\u1ecd. Nh\u01b0ng \u0111\u1ebfn gi\u00e1 tr\u1ecb t\u00e0i s\u1ea3n th\u1ebf ch\u1ea5p c\u00f3 th\u1ec3 b\u1ecb b\u00e0o m\u00f2n qua th\u1eddi gian m\u00e0 ng\u00e2n h\u00e0ng c\u00f2n \u201cl\u01b0\u1eddi\u201d t\u00e1i th\u1ea9m \u0111\u1ecbnh, th\u00ec sao h\u1ecd l\u1ea1i ph\u1ea3i qu\u00e1 nh\u1ecdc c\u00f4ng \u0111i\u1ec1u tra t\u1eeb A-Z n\u0103ng l\u1ef1c vay v\u1ed1n c\u1ee7a kh\u00e1ch h\u00e0ng trong khi h\u1ecd \u0111ang r\u1ea5t c\u1ea7n l\u00e0m \u0111\u1eb9p s\u1ed5 s\u00e1ch!<\/p>\n

T\u00e2m l\u00fd e d\u00e8 trong c\u00e1c kho\u1ea3n cho vay c\u0169ng \u0111\u01b0\u1ee3c cho l\u00e0 g\u00f3p ph\u1ea7n v\u00e0o con s\u1ed1 \u201c\u00e2m\u201d c\u1ee7a ng\u00e0nh ng\u00e2n h\u00e0ng. N\u1ebfu ch\u00ednh b\u1ea3n th\u00e2n ng\u00e2n h\u00e0ng kh\u00f4ng cho vay m\u1ed9t c\u00e1ch \u1ed3 \u1ea1t, ho\u1ea1t \u0111\u1ed9ng \u0111\u00e1nh gi\u00e1 r\u1ee7i ro \u0111\u01b0\u1ee3c ti\u1ebfn h\u00e0nh ch\u1ec9n chu, th\u00ec ch\u1eb3ng th\u1ec3 xu\u1ea5t hi\u1ec7n t\u00e2m l\u00fd e ng\u1ea1i cho vay nh\u01b0 hi\u1ec7n nay. C\u0103n b\u1ec7nh b\u1ea5t l\u1ef1c \u0111\u1ebfn gi\u1edd m\u1edbi b\u1ed9c ph\u00e1t, ng\u00e2n h\u00e0ng t\u00ecm m\u1ecdi c\u00e1ch nh\u1edd v\u1ea3 \u201cb\u00e1c s\u0129 \u0111\u1eb7c tr\u1ecb\u201d – kh\u00f4ng th\u1ec3 n\u00e0o kh\u00e1c ngo\u00e0i NHNN. Sau m\u1ed9t h\u1ed3i ch\u1ea9n \u0111o\u00e1n lo\u1eb1ng ngo\u1eb1ng, \u201cb\u00e1c s\u0129\u201d k\u1ebft lu\u1eadn: N\u1ee3 x\u1ea5u \u0111\u00e1ng lo ng\u1ea1i nh\u01b0ng ch\u01b0a \u0111\u1ebfn m\u1ee9c bi \u0111\u00e1t d\u00f9 r\u1eb1ng \u201cl\u00e0m 30 n\u0103m trong ng\u00e0nh, 30 n\u0103m \u0111\u1ec1u c\u00f3 hai s\u1ed1 li\u1ec7u v\u1ec1 n\u1ee3 x\u1ea5u. Tr\u01b0\u1edbc kia, khi ch\u01b0a h\u1ed9i nh\u1eadp l\u00e0 2, sau khi h\u1ed9i nh\u1eadp, c\u00f3 c\u00e1c \u0111\u1ecbnh ch\u1ebf t\u00e0i ch\u00ednh v\u00e0o Vi\u1ec7t Nam th\u00ec l\u00e0 3 s\u1ed1 li\u1ec7u, g\u1ed3m s\u1ed1 li\u1ec7u ng\u00e2n h\u00e0ng b\u00e1o c\u00e1o, c\u1ee7a Ng\u00e2n h\u00e0ng Nh\u00e0 n\u01b0\u1edbc v\u00e0 \u0111\u00e1nh gi\u00e1 c\u1ee7a n\u01b0\u1edbc ngo\u00e0i\u201d (tr\u00edch Infonet).<\/p>\n

N\u1ebfu t\u1ea1m coi n\u1ee3 x\u1ea5u 8,82% l\u00e0 trung th\u1ef1c, m\u00e0 ch\u1ec9 c\u00f2n 6% c\u0169ng \u0111\u00fang hay n\u00f3 \u1edf m\u1ee9c 13% nh\u01b0 Fitch t\u00ednh to\u00e1n th\u00ec \u00edt ra nh\u1eefng con s\u1ed1 n\u00e0y \u0111ang \u0111\u01b0\u1ee3c th\u1eeba nh\u1eadn, \u0111\u01b0\u1ee3c \u0111i\u1ec3m m\u1eb7t ch\u1ec9 t\u00ean v\u00e0 n\u1ed5i l\u00ean cho ng\u01b0\u1eddi kh\u00e1c th\u1ea5y c\u00e1i s\u1ef1 x\u1ea5u x\u00ed c\u1ee7a n\u00f3. Nh\u01b0ng c\u00e1i ch\u00ednh l\u00e0 nh\u1eefng kho\u1ea3n n\u1ee3 v\u1eabn n\u1eb1m \u1edf d\u01b0\u1edbi l\u1edbp b\u0103ng kia, kh\u00f4ng ai d\u00e1m ch\u1eafc \u0111\u00e3 x\u1ea5u bao ph\u1ea7n. TS L\u00ea Th\u1ea9m D\u01b0\u01a1ng – Tr\u01b0\u1edfng Khoa Qu\u1ea3n tr\u1ecb Kinh doanh Tr\u01b0\u1eddng \u0110H Ng\u00e2n h\u00e0ng TPHCM – nh\u1eadn \u0111\u1ecbnh: N\u1ee3 x\u1ea5u hi\u1ec7n t\u1ea1i kh\u00f4ng nguy hi\u1ec3m b\u1eb1ng n\u1ee3 x\u1ea5u ti\u1ec1m \u1ea9n khi cho c\u00e1c doanh nghi\u1ec7p gia h\u1ea1n n\u1ee3 nh\u01b0ng th\u1eddi gian t\u1edbi m\u1edbi \u1eadp v\u1ec1. M\u1ed9t khi gi\u1ea3i quy\u1ebft b\u00e0i to\u00e1n n\u1ee3 \u1ea9n, n\u1ee3 hi\u1ec7n d\u1ef1a tr\u00ean tinh th\u1ea7n \u201cph\u00ea\u201d v\u00e0 \u201ct\u1ef1 ph\u00ea\u201d th\u00ec ch\u1ec9 ti\u1ebfp t\u1ee5c \u201cv\u1ed7 b\u00e9o\u201d nh\u00f3m l\u1ee3i \u00edch – ch\u1eb3ng \u0111\u1eddi n\u00e0o l\u1ea1i t\u1ef1 nh\u1eadn ki\u1ec3m \u0111i\u1ec3m c\u1ea3 – trong ng\u00e0nh ng\u00e2n h\u00e0ng nh\u01b0 Th\u1ed1ng \u0111\u1ed1c NHNN t\u1eebng th\u1eeba nh\u1eadn.<\/p>\n

L\u1ee5c D\u01b0\u01a1ng<\/strong><\/p>\n

\u2014\u2014\u2014\u2014\u2014\u2013<\/p>\n

S\u1ed1ng m\u1edbi 15-3-2013:<\/em><\/strong><\/p>\n

http:\/\/vietstock.vn\/2013\/03\/he-thong-ngan-hang-voi-nhung-con-so-so-soang-trong-dem-757-262780.htm<\/a><\/em><\/p>\n

\u00a0<\/em><\/strong><\/p>\n

\u00a0<\/strong><\/p>\n

 ","protected":false},"excerpt":{"rendered":"

(SM) – B\u1ea5t ch\u1ea5p vi\u1ec7c NHNN tuy\u00ean b\u1ed1 \u0111\u00e3 gi\u1ea3m \u0111\u01b0\u1ee3c n\u1ee3 x\u1ea5u xu\u1ed1ng c\u00f2n 6% t\u1eeb 8%, v\u1ed1n t\u1ef1 c\u00f3 c\u1ee7a to\u00e0n h\u1ec7 th\u1ed1ng ng\u00e2n h\u00e0ng th\u00e1ng 1\/2013 \u0111\u00e3 gi\u1ea3m tr\u00ean 50% so v\u1edbi t\u1ed5ng l\u1ee3i nhu\u1eadn c\u1ee7a n\u0103m 2012 l\u00e0 28.000 t\u1ef7 \u0111\u1ed3ng, c\u00f2n t\u0103ng tr\u01b0\u1edfng t\u00edn d\u1ee5ng hai th\u00e1ng \u0111\u1ea7u n\u0103m v\u1eabn […]<\/p>\n","protected":false},"author":3,"featured_media":32443,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":""},"categories":[17,26],"tags":[],"class_list":["post-32437","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-binh-luan-gop-y","category-legal-media"],"acf":[],"yoast_head":"\n340. H\u1ec7 th\u1ed1ng ng\u00e2n h\u00e0ng v\u1edbi nh\u1eefng con s\u1ed1 s\u1edd so\u1ea1ng trong \u0111\u00eam - 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-340-he-thong-ngan-hang-voi-nhung-con-so-so-soang-trong-dem\/\" \/>\n<meta property=\"og:locale\" content=\"vi_VN\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"[:vi]340. H\u1ec7 th\u1ed1ng ng\u00e2n h\u00e0ng v\u1edbi nh\u1eefng con s\u1ed1 s\u1edd so\u1ea1ng trong \u0111\u00eam[:] - ANVI Law Firm\" \/>\n<meta property=\"og:description\" content=\"(SM) – B\u1ea5t ch\u1ea5p vi\u1ec7c NHNN tuy\u00ean b\u1ed1 \u0111\u00e3 gi\u1ea3m \u0111\u01b0\u1ee3c n\u1ee3 x\u1ea5u xu\u1ed1ng c\u00f2n 6% t\u1eeb 8%, v\u1ed1n t\u1ef1 c\u00f3 c\u1ee7a to\u00e0n h\u1ec7 th\u1ed1ng ng\u00e2n h\u00e0ng th\u00e1ng 1\/2013 \u0111\u00e3 gi\u1ea3m tr\u00ean 50% so v\u1edbi t\u1ed5ng l\u1ee3i nhu\u1eadn c\u1ee7a n\u0103m 2012 l\u00e0 28.000 t\u1ef7 \u0111\u1ed3ng, c\u00f2n t\u0103ng tr\u01b0\u1edfng t\u00edn d\u1ee5ng hai th\u00e1ng \u0111\u1ea7u n\u0103m v\u1eabn […]\" \/>\n<meta property=\"og:url\" content=\"https:\/\/anvilaw.com\/en\/tieng-viet-340-he-thong-ngan-hang-voi-nhung-con-so-so-soang-trong-dem\/\" \/>\n<meta property=\"og:site_name\" content=\"ANVI Law Firm\" \/>\n<meta property=\"article:publisher\" content=\"https:\/\/facebook.com\/anvilawfirm\" \/>\n<meta property=\"article:published_time\" content=\"2013-03-15T01:41:06+00:00\" \/>\n<meta property=\"article:modified_time\" content=\"2022-07-08T01:51:56+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/anvilaw.com\/wp-content\/uploads\/2022\/07\/40-2.jpg\" \/>\n\t<meta property=\"og:image:width\" content=\"800\" \/>\n\t<meta property=\"og:image:height\" content=\"450\" \/>\n\t<meta property=\"og:image:type\" content=\"image\/jpeg\" \/>\n<meta name=\"author\" content=\"Tr\u01b0\u01a1ng Trung Ngh\u0129a\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:creator\" content=\"@anvilawfirm\" \/>\n<meta name=\"twitter:site\" content=\"@anvilawfirm\" \/>\n<meta name=\"twitter:label1\" content=\"\u0110\u01b0\u1ee3c vi\u1ebft b\u1edfi\" \/>\n\t<meta name=\"twitter:data1\" content=\"Tr\u01b0\u01a1ng Trung Ngh\u0129a\" \/>\n\t<meta name=\"twitter:label2\" content=\"\u01af\u1edbc t\u00ednh th\u1eddi gian \u0111\u1ecdc\" \/>\n\t<meta name=\"twitter:data2\" content=\"11 ph\u00fat\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\\\/\\\/schema.org\",\"@graph\":[{\"@type\":\"Article\",\"@id\":\"https:\\\/\\\/anvilaw.com\\\/en\\\/tieng-viet-340-he-thong-ngan-hang-voi-nhung-con-so-so-soang-trong-dem\\\/#article\",\"isPartOf\":{\"@id\":\"https:\\\/\\\/anvilaw.com\\\/en\\\/tieng-viet-340-he-thong-ngan-hang-voi-nhung-con-so-so-soang-trong-dem\\\/\"},\"author\":{\"name\":\"Tr\u01b0\u01a1ng Trung Ngh\u0129a\",\"@id\":\"https:\\\/\\\/anvilaw.com\\\/vi\\\/#\\\/schema\\\/person\\\/28ef9093c3478d1b1ba56f61255ebe7a\"},\"headline\":\"340. 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