{"id":32647,"date":"2013-04-22T09:11:49","date_gmt":"2013-04-22T02:11:49","guid":{"rendered":"https:\/\/anvilaw.com\/vi\/?p=32647"},"modified":"2022-07-11T21:50:43","modified_gmt":"2022-07-11T14:50:43","slug":"356-bao-lanh-tin-dung-dnnvv-go-rao-can-tang-giai-ngan","status":"publish","type":"post","link":"https:\/\/anvilaw.com\/vi\/356-bao-lanh-tin-dung-dnnvv-go-rao-can-tang-giai-ngan\/","title":{"rendered":"356. B\u1ea3o l\u00e3nh t\u00edn d\u1ee5ng DNNVV: G\u1ee1 r\u00e0o c\u1ea3n, t\u0103ng gi\u1ea3i ng\u00e2n"},"content":{"rendered":"(\u0110TTC) – <\/strong>M\u1ed9t v\u1ea5n \u0111\u1ec1 n\u1ed5i l\u00ean t\u1ea1i nhi\u1ec1u di\u1ec5n \u0111\u00e0n, h\u1ed9i th\u1ea3o g\u1ea7n \u0111\u00e2y l\u00e0 d\u00f9 l\u00e3i su\u1ea5t gi\u1ea3m nh\u01b0ng doanh nghi\u1ec7p (DN) v\u1eabn kh\u00f3 ti\u1ebfp c\u1eadn v\u1ed1n t\u00edn d\u1ee5ng, nh\u1ea5t l\u00e0 DN nh\u1ecf v\u00e0 v\u1eeba (DNNVV). Tr\u01b0\u1edbc t\u00ecnh h\u00ecnh n\u00e0y, Ch\u00ednh ph\u1ee7 \u0111ang xem x\u00e9t ho\u00e0n thi\u1ec7n c\u01a1 ch\u1ebf b\u1ea3o l\u00e3nh t\u00edn d\u1ee5ng cho DNNVV. Tr\u00ean th\u1ef1c t\u1ebf, c\u01a1 ch\u1ebf n\u00e0y \u0111\u00e3 \u0111\u01b0\u1ee3c ban h\u00e0nh t\u1eeb nhi\u1ec1u n\u0103m nay nh\u01b0ng c\u00f3 nhi\u1ec1u b\u1ea5t c\u1eadp, n\u00ean c\u01a1 h\u1ed9i vay v\u1ed1n c\u1ee7a DNNVV th\u00f4ng qua k\u00eanh b\u1ea3o l\u00e3nh t\u00edn d\u1ee5ng v\u1eabn r\u1ea5t th\u1ea5p.<\/strong><\/p>\n

\"\"<\/p>\n

Kh\u00f3 v\u1eabn ho\u00e0n kh\u00f3<\/strong><\/p>\n

N\u0103m 2009, Th\u1ee7 t\u01b0\u1edbng Ch\u00ednh ph\u1ee7 ban h\u00e0nh Quy\u1ebft \u0111\u1ecbnh 60 s\u1eeda \u0111\u1ed5i, b\u1ed5 sung m\u1ed9t s\u1ed1 \u0111i\u1ec1u c\u1ee7a quy ch\u1ebf b\u1ea3o l\u00e3nh cho DN vay v\u1ed1n t\u1ea1i c\u00e1c ng\u00e2n h\u00e0ng th\u01b0\u01a1ng m\u1ea1i.<\/p>\n

Theo \u0111\u00f3, Ng\u00e2n h\u00e0ng Ph\u00e1t tri\u1ec3n Vi\u1ec7t Nam (VDB) \u0111\u01b0\u1ee3c giao nhi\u1ec7m v\u1ee5 b\u1ea3o l\u00e3nh vay v\u1ed1n cho c\u00e1c DN c\u00f3 v\u1ed1n \u0111i\u1ec1u l\u1ec7 t\u1ed1i \u0111a 20 t\u1ef7 \u0111\u1ed3ng ho\u1eb7c s\u1eed d\u1ee5ng d\u01b0\u1edbi 1.000 lao \u0111\u1ed9ng (quy \u0111\u1ecbnh c\u0169 c\u00f3 v\u1ed1n \u0111i\u1ec1u l\u1ec7 t\u1ed1i \u0111a 20 t\u1ef7 \u0111\u1ed3ng v\u00e0 s\u1eed d\u1ee5ng t\u1ed1i \u0111a 500 lao \u0111\u1ed9ng).<\/p>\n\n\n\n
Vi\u1ec7c ra \u0111\u1eddi qu\u1ef9 b\u1ea3o l\u00e3nh t\u00edn d\u1ee5ng t\u1eeb n\u0103m 2001 \u0111\u00e3 ph\u1ea7n n\u00e0o \u0111\u00e1p \u1ee9ng \u0111\u01b0\u1ee3c y\u00eau c\u1ea7u c\u1ee7a DN. Tuy nhi\u00ean, ho\u1ea1t \u0111\u1ed9ng c\u1ee7a qu\u1ef9 cho \u0111\u1ebfn nay v\u1eabn c\u00f2n nhi\u1ec1u b\u1ea5t c\u1eadp. Ch\u1eb3ng h\u1ea1n c\u00e1c qu\u1ef9 b\u1ea3o l\u00e3nh t\u00edn d\u1ee5ng \u1edf \u0111\u1ecba ph\u01b0\u01a1ng ho\u1ea1t\u0111\u1ed9ng \u0111\u01a1n \u0111i\u1ec7u, r\u1eddi r\u1ea1c, ch\u01b0a th\u1ef1c s\u1ef1 t\u1ea1o \u0111\u01b0\u1ee3c l\u1ee3i th\u1ebf m\u00e0 ch\u00ednh s\u00e1ch \u0111\u01b0a ra, c\u0169ng nh\u01b0 ch\u01b0a gi\u1ea3i quy\u1ebft \u0111\u01b0\u1ee3c v\u1ea5n \u0111\u1ec1 h\u1ed7 tr\u1ee3 DN. Ngo\u00e0i ra, quy m\u00f4 b\u1ea3o l\u00e3nh c\u1ee7a qu\u1ef9 b\u1ea3o l\u00e3nh t\u00edn d\u1ee5ng \u1edf Trung \u01b0\u01a1ng cho DNNVV v\u1eabn r\u1ea5t h\u1ea1n ch\u1ebf.<\/strong><\/p>\n

B\u00e0 PH\u1ea0M TH\u1eca THU H\u1eb0NG,<\/strong>
\nT\u1ed5ng Th\u01b0 k\u00fd VCCI<\/em><\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n

Khi \u0111\u00f3, c\u01a1 ch\u1ebf n\u00e0y \u0111\u01b0\u1ee3c k\u1ef3 v\u1ecdng s\u1ebd th\u00e1o g\u1ee1 \u0111\u01b0\u1ee3c kh\u00f3 kh\u0103n cho DNNVV trong ti\u1ebfp c\u1eadn v\u1ed1n t\u00edn d\u1ee5ng ng\u00e2n h\u00e0ng. Tuy nhi\u00ean, \u0111\u1ebfn n\u0103m 2012, theo s\u1ed1 li\u1ec7u c\u1ee7a VDB, ch\u1ec9 c\u00f3 1.950 l\u01b0\u1ee3t DNNVV \u0111\u01b0\u1ee3c ng\u00e2n h\u00e0ng th\u01b0\u01a1ng m\u1ea1i ch\u1ea5p thu\u1eadn cho vay theo c\u01a1 ch\u1ebf n\u00e0y, v\u1edbi h\u1ea1n m\u1ee9c t\u00edn d\u1ee5ng \u0111\u01b0\u1ee3c b\u1ea3o l\u00e3nh 15.316 t\u1ef7 \u0111\u1ed3ng.<\/p>\n

\u0110\u00e2y l\u00e0 m\u1ed9t con s\u1ed1 r\u1ea5t th\u1ea5p so v\u1edbi g\u1ea7n 500.000 DNNVV \u0111ang ho\u1ea1t \u0111\u1ed9ng. M\u1ed9t trong nh\u1eefng l\u00fd do khi\u1ebfn k\u00eanh huy \u0111\u1ed9ng v\u1ed1n n\u00e0y ch\u01b0a th\u1ef1c s\u1ef1 hi\u1ec7u qu\u1ea3 l\u00e0 c\u1ea3 n\u01b0\u1edbc m\u1edbi c\u00f3 13 t\u1ec9nh, th\u00e0nh ph\u1ed1 th\u00e0nh l\u1eadp \u0111\u01b0\u1ee3c qu\u1ef9 b\u1ea3o l\u00e3nh t\u00edn d\u1ee5ng cho DNNVV.<\/p>\n

Theo TS. Cao S\u1ef9 Ki\u00eam, Ch\u1ee7 t\u1ecbch Hi\u1ec7p h\u1ed9i DNNVV Vi\u1ec7t Nam, VDB l\u00e0 \u0111\u01a1n v\u1ecb ch\u1ee7 l\u1ef1c th\u1ef1c hi\u1ec7n ch\u1ee7 tr\u01b0\u01a1ng tr\u00ean, nh\u01b0ng \u0111\u01b0\u1ee3c giao m\u1ee9c v\u1ed1n 200 t\u1ef7 \u0111\u1ed3ng l\u00e0 qu\u00e1 \u00edt so v\u1edbi nhu c\u1ea7u b\u1ea3o l\u00e3nh c\u1ee7a c\u1ed9ng \u0111\u1ed3ng DN hi\u1ec7n nay, \u0111\u1eb7c bi\u1ec7t khi DNNVV chi\u1ebfm 97,5% t\u1ed5ng s\u1ed1 DN.<\/p>\n

Sau 3 n\u0103m ho\u1ea1t \u0111\u1ed9ng, qu\u1ef9 \u0111\u00e3 chi h\u1ebft 84% s\u1ed1 v\u1ed1n \u0111\u01b0\u1ee3c c\u1ea5p ban \u0111\u1ea7u v\u00e0 m\u1eb7c d\u00f9 \u0111\u00e3 \u0111\u01b0\u1ee3c b\u1ed5 sung nh\u01b0ng s\u1ed1 v\u1ed1n hi\u1ec7n nay ch\u01b0a b\u1eb1ng m\u1ed9t n\u1eeda v\u1ed1n ban \u0111\u1ea7u. Trong khi \u0111\u00f3, theo ph\u1ea3n \u00e1nh c\u1ee7a nhi\u1ec1u DN, l\u00e3i su\u1ea5t cho vay \u0111\u1ed1i v\u1edbi kho\u1ea3n vay b\u1ea3o l\u00e3nh t\u00edn d\u1ee5ng ch\u01b0a c\u00f3 quy \u0111\u1ecbnh c\u1ee5 th\u1ec3 m\u00e0 ch\u1ec9 khuy\u1ebfn kh\u00edch ng\u00e2n h\u00e0ng cho vay th\u1ea5p h\u01a1n.<\/p>\n

\u0110i\u1ec1u n\u00e0y tuy linh ho\u1ea1t, nh\u01b0ng l\u1ea1i khi\u1ebfn nhi\u1ec1u DN thi\u1ebfu c\u01a1 s\u1edf \u0111\u1ec3 \u0111\u01b0\u1ee3c vay v\u1ed1n th\u1ea5p, nh\u1ea5t l\u00e0 trong \u0111i\u1ec1u ki\u1ec7n kh\u00f3 kh\u0103n. M\u1ed9t s\u1ed1 quy \u0111\u1ecbnh trong th\u1ee7 t\u1ee5c \u0111\u1ec3 DN \u0111\u01b0\u1ee3c vay v\u1ed1n c\u1ee7a qu\u1ef9 b\u1ea3o l\u00e3nh t\u00edn d\u1ee5ng c\u0169ng ch\u01b0a r\u00f5 r\u00e0ng. DN c\u00f3 tr\u1ee5 s\u1edf v\u00e0 d\u1ef1 \u00e1n \u1edf 2 \u0111\u1ecba ph\u01b0\u01a1ng kh\u00e1c nhau kh\u00f4ng bi\u1ebft quy\u1ec1n \u0111\u01b0\u1ee3c th\u1ea9m \u0111\u1ecbnh b\u1ea3o l\u00e3nh s\u1ebd thu\u1ed9c v\u1ec1 \u0111\u1ecba ph\u01b0\u01a1ng n\u00e0o.<\/p>\n

\u00d4ng Nguy\u1ec5n V\u0103n L\u00e2m, Gi\u00e1m \u0111\u1ed1c C\u00f4ng ty TNHH Th\u01b0\u01a1ng m\u1ea1i Tr\u00e0ng An, cho r\u1eb1ng quy \u0111\u1ecbnh v\u1ec1 \u0111i\u1ec1u ki\u1ec7n cho vay theo c\u01a1 ch\u1ebf b\u1ea3o l\u00e3nh t\u00edn d\u1ee5ng qu\u00e1 ch\u1eb7t ch\u1ebd v\u00e0 d\u01b0\u1eddng nh\u01b0 ch\u1ec9 d\u00e0nh cho c\u00e1c DN \u201ckh\u1ecfe\u201d, c\u00f3 t\u00ecnh h\u00ecnh t\u00e0i ch\u00ednh l\u00e0nh m\u1ea1nh, c\u00f3 th\u1ec3 kh\u00f4ng c\u1ea7n \u0111\u01b0\u1ee3c b\u1ea3o l\u00e3nh c\u0169ng s\u1ebd \u0111\u01b0\u1ee3c ng\u00e2n h\u00e0ng th\u01b0\u01a1ng m\u1ea1i cho vay. C\u00f2n nh\u1eefng DN y\u1ebfu v\u00e0 c\u00f3 th\u1eddi c\u01a1 nh\u01b0ng kh\u00f4ng \u0111\u1ea3m b\u1ea3o \u0111\u01b0\u1ee3c y\u00eau c\u1ea7u r\u1ea5t \u00edt c\u00f3 c\u01a1 h\u1ed9i \u0111\u01b0\u1ee3c ti\u1ebfp c\u1eadn ngu\u1ed3n v\u1ed1n n\u00e0y. Mu\u1ed1n l\u00e1ch lu\u1eadt, nhi\u1ec1u DN bu\u1ed9c ph\u1ea3i m\u1ea5t ph\u00ed \u201c\u0111i \u0111\u00eam\u201d \u0111\u1ec3 c\u00f3 \u0111\u01b0\u1ee3c ch\u1ee9ng th\u01b0 b\u1ea3o l\u00e3nh, c\u1ed9ng v\u1edbi l\u00e3i su\u1ea5t ng\u00e2n h\u00e0ng kh\u00e1 cao n\u00ean \u201ckh\u00f3 v\u1eabn ho\u00e0n kh\u00f3\u201d.<\/p>\n

Ng\u00e2n h\u00e0ng kh\u00f4ng tin b\u1ea3o l\u00e3nh<\/strong><\/p>\n

Trong khi \u0111\u00f3, \u1edf c\u00e1c \u0111\u1ecba ph\u01b0\u01a1ng ngu\u1ed3n v\u1ed1n g\u00f3p c\u1ee7a qu\u1ef9 c\u0169ng eo h\u1eb9p do t\u00ednh ch\u1ea5t c\u1ee7a qu\u1ef9 kh\u00f4ng ho\u1ea1t \u0111\u1ed9ng v\u00ec m\u1ee5c ti\u00eau l\u1ee3i nhu\u1eadn, \u0111\u00e3 kh\u00f4ng thu h\u00fat \u0111\u01b0\u1ee3c v\u1ed1n c\u1ee7a c\u00e1c t\u1ed5 ch\u1ee9c t\u00edn d\u1ee5ng c\u0169ng nh\u01b0 c\u1ee7a DN. \u00d4ng Tr\u1ea7n B\u1eedu Long, Ph\u00f3 Gi\u00e1m \u0111\u1ed1c Qu\u1ef9 B\u1ea3o l\u00e3nh t\u00edn d\u1ee5ng DN TPHCM, cho bi\u1ebft m\u1ee5c ti\u00eau ho\u1ea1t \u0111\u1ed9ng c\u1ee7a qu\u1ef9 l\u00e0 phi l\u1ee3i nhu\u1eadn v\u1edbi m\u1ee9c ph\u00ed th\u1ea5p, nh\u01b0ng c\u00e1c t\u1ed5 ch\u1ee9c t\u00edn d\u1ee5ng v\u00e0 DN l\u1ea1i \u0111\u1eb7t l\u1ee3i nhu\u1eadn l\u00ean h\u00e0ng \u0111\u1ea7u n\u00ean r\u1ea5t kh\u00f3 k\u00eau g\u1ecdi s\u1ef1 g\u00f3p v\u1ed1n t\u1eeb h\u1ecd.<\/p>\n

B\u1eb1ng ch\u1ee9ng l\u00e0 t\u1ea1i TPHCM, theo quy \u0111\u1ecbnh m\u1ed7i ng\u00e2n h\u00e0ng th\u01b0\u01a1ng m\u1ea1i tr\u00ean \u0111\u1ecba b\u00e0n ph\u1ea3i g\u00f3p v\u1ed1n v\u00e0o qu\u1ef9 t\u1eeb 5 t\u1ef7 \u0111\u1ed3ng tr\u1edf l\u00ean, nh\u01b0ng th\u1ef1c t\u1ebf ngo\u00e0i m\u1ed9t ng\u00e2n h\u00e0ng qu\u1ed1c doanh g\u00f3p 1 t\u1ef7 \u0111\u1ed3ng, c\u00e1c ng\u00e2n h\u00e0ng c\u00f2n l\u1ea1i ch\u1ec9 g\u00f3p v\u00e0i tr\u0103m tri\u1ec7u \u0111\u1ed3ng theo h\u00ecnh th\u1ee9c \u201cl\u00e0m t\u1eeb thi\u1ec7n\u201d nhi\u1ec1u h\u01a1n, b\u1edfi g\u00f3p v\u1ed1n kh\u00f4ng c\u00f3 l\u00e3i. B\u00ean c\u1ea1nh \u0111\u00f3, ng\u00e2n h\u00e0ng c\u0169ng ng\u1ea1i gi\u1ea3i ng\u00e2n cho DN \u0111\u01b0\u1ee3c b\u1ea3o l\u00e3nh.<\/p>\n

Lu\u1eadt s\u01b0 Tr\u01b0\u01a1ng Thanh \u0110\u1ee9c,\u00a0<\/em>Gi\u00e1m \u0111\u1ed1c C\u00f4ng ty Lu\u1eadt \u00a0ANVI,\u00a0<\/em>Gi\u00e1m \u0111\u1ed1c Ban Ph\u00e1p ch\u1ebf MaritimeBank, ph\u00e2n t\u00edch: \u201cNgay c\u1ea3 c\u00e1c ng\u00e2n h\u00e0ng l\u1edbn \u0111\u1ee9ng ra b\u1ea3o l\u00e3nh c\u0169ng c\u00f3 nhi\u1ec1u \u0111\u01a1n v\u1ecb kh\u00f4ng \u201cham\u201d vi\u1ec7c n\u00e0y, hu\u1ed1ng h\u1ed3 l\u00e0 c\u00e1c qu\u1ef9 b\u1ea3o l\u00e3nh v\u1edbi quy m\u00f4 nh\u1ecf h\u01a1n nhi\u1ec1u l\u1ea7n. G\u1eb7p n\u1ee3 qu\u00e1 h\u1ea1n, ng\u00e2n h\u00e0ng th\u01b0\u01a1ng m\u1ea1i kh\u00f4ng d\u1ec5 \u0111\u00f2i n\u1ee3 ng\u01b0\u1eddi b\u1ea3o l\u00e3nh n\u00ean ng\u00e2n h\u00e0ng k\u00e9m m\u1eb7n m\u00e0 l\u00e0 \u0111i\u1ec1u d\u1ec5 hi\u1ec3u\u201d.<\/em><\/p>\n\n\n\n\n
<\/td>\n<\/tr>\n
C\u01a1 h\u1ed9i vay v\u1ed1n c\u1ee7a DNNVV qua k\u00eanh b\u1ea3o l\u00e3nh t\u00edn d\u1ee5ng v\u1eabn r\u1ea5t th\u1ea5p. \u1ea2nh: CAO TH\u0102NG<\/em><\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n

Theo TS. Cao S\u1ef9 Ki\u00eam, ch\u1ee7 tr\u01b0\u01a1ng b\u1ea3o l\u00e3nh t\u00edn d\u1ee5ng t\u1ea1o \u0111i\u1ec1u ki\u1ec7n cho DNNVV vay v\u1ed1n g\u1eb7p kh\u00f3 kh\u0103n c\u00f2n b\u1edfi v\u1ea5n \u0111\u1ec1 ni\u1ec1m tin suy gi\u1ea3m. \u201cC\u00e1c ng\u00e2n h\u00e0ng do n\u1ee3 x\u1ea5u t\u0103ng cao n\u00ean kh\u00f4ng tin \u0111\u01a1n v\u1ecb b\u1ea3o l\u00e3nh. Nhi\u1ec1u tr\u01b0\u1eddng h\u1ee3p \u0111\u00e3 \u0111\u01b0\u1ee3c VDB c\u1ea5p ch\u1ee9ng th\u01b0 b\u1ea3o l\u00e3nh nh\u01b0ng ng\u00e2n h\u00e0ng v\u1eabn \u0111i th\u1ea9m tra l\u1ea1i\u201d – TS. Ki\u00eam n\u00f3i.<\/p>\n

Th\u1ef1c t\u1ebf cho th\u1ea5y, m\u1ed9t s\u1ed1 kho\u1ea3n n\u1ee3 VDB \u0111\u00e3 b\u1ea3o l\u00e3nh nh\u01b0ng kh\u00f4ng c\u00f3 kh\u1ea3 n\u0103ng thu l\u1ea1i v\u00ec nh\u1eefng nguy\u00ean nh\u00e2n b\u1ea5t kh\u1ea3 kh\u00e1ng, nh\u01b0 thi\u1ec7t h\u1ea1i do l\u0169 l\u1ee5t, Nh\u00e0 n\u01b0\u1edbc thay \u0111\u1ed5i ch\u00ednh s\u00e1ch, DN m\u1ea5t t\u00edch\u2026 C\u00e1c kho\u1ea3n n\u00e0y \u0111\u00e3 \u0111\u01b0\u1ee3c VDB tr\u1ea3 n\u1ee3 thay nh\u01b0ng ch\u01b0a c\u00f3 c\u01a1 ch\u1ebf x\u1eed l\u00fd.<\/p>\n

Vi\u1ec7c thu h\u1ed3i n\u1ee3 b\u1eaft bu\u1ed9c r\u1ea5t th\u1ea5p (3,12% n\u1ee3 ph\u1ea3i thu) do kh\u00f4ng x\u1eed l\u00fd \u0111\u01b0\u1ee3c t\u00e0i s\u1ea3n b\u1ea3o \u0111\u1ea3m. Ngu\u1ed3n v\u1ed1n d\u1ef1 ph\u00f2ng \u0111\u01b0\u1ee3c c\u1ea5p gi\u1ea3m nhanh ch\u00f3ng do c\u00e1c quy \u0111\u1ecbnh c\u00f2n thi\u1ebfu chi ti\u1ebft v\u00e0 ch\u1eb7t ch\u1ebd, ch\u01b0a \u0111i\u1ec1u ch\u1ec9nh \u0111\u1ea7y \u0111\u1ee7 c\u00e1c tr\u01b0\u1eddng h\u1ee3p n\u1ea3y sinh trong th\u1ef1c t\u1ebf, n\u00ean vi\u1ec7c tri\u1ec3n khai g\u1eb7p nhi\u1ec1u v\u01b0\u1edbng m\u1eafc.<\/p>\n

    \n
  1. Phan Thanh H\u00e0, Ph\u00f3 V\u1ee5 tr\u01b0\u1edfng V\u1ee5 T\u00e0i ch\u00ednh v\u00e0 ti\u1ec1n t\u1ec7 (B\u1ed9 K\u1ebf ho\u1ea1ch – \u0110\u1ea7u t\u01b0), nh\u1eadn \u0111\u1ecbnh m\u1ee9c b\u1ea3o l\u00e3nh t\u1ed1i \u0111a 100% nh\u01b0 hi\u1ec7n nay l\u00e0 qu\u00e1 cao, kh\u00f4ng khuy\u1ebfn kh\u00edch ng\u00e2n h\u00e0ng th\u01b0\u01a1ng m\u1ea1i c\u00f9ng chia s\u1ebb r\u1ee7i ro, ng\u00e2n h\u00e0ng th\u1eadn tr\u1ecdng h\u01a1n trong vi\u1ec7c th\u1ea9m \u0111\u1ecbnh v\u00e0 cho vay d\u1ef1 \u00e1n. Trong quy ch\u1ebf kh\u00f4ng quy \u0111\u1ecbnh c\u1ee5 th\u1ec3 c\u00e1c tr\u01b0\u1eddng h\u1ee3p b\u00ean b\u1ea3o l\u00e3nh c\u00f3 quy\u1ec1n t\u1eeb ch\u1ed1i ngh\u0129a v\u1ee5 b\u1ea3o l\u00e3nh.<\/li>\n<\/ol>\n

    V\u00ec v\u1eady, tr\u00ean th\u1ef1c t\u1ebf c\u00f3 nh\u1eefng tr\u01b0\u1eddng h\u1ee3p VDB b\u1ecb y\u00eau c\u1ea7u th\u1ef1c hi\u1ec7n ngh\u0129a v\u1ee5 b\u1ea3o l\u00e3nh v\u00f4 \u0111i\u1ec1u ki\u1ec7n, k\u1ec3 c\u1ea3 khi b\u00ean vay kh\u00f4ng th\u1ef1c hi\u1ec7n \u0111\u00fang ngh\u0129a v\u1ee5 v\u1ec1 s\u1eed d\u1ee5ng v\u1ed1n trong h\u1ee3p \u0111\u1ed3ng. Ngo\u00e0i ra, v\u1edbi m\u1ee9c ph\u00ed b\u1ea3o l\u00e3nh quy \u0111\u1ecbnh r\u1ea5t th\u1ea5p, n\u00ean VDB c\u00f3 xu h\u01b0\u1edbng b\u1ea3o l\u00e3nh cho c\u00e1c d\u1ef1 \u00e1n l\u1edbn h\u01a1n l\u00e0 c\u00e1c d\u1ef1 \u00e1n c\u1ee7a DNNVV…<\/p>\n

    Th\u00f4ng tho\u00e1ng,\u00a0 kh\u1ea3 thi h\u01a1n<\/strong><\/p>\n

    \u0110\u1ec3 c\u01a1 ch\u1ebf b\u1ea3o l\u00e3nh t\u00edn d\u1ee5ng th\u1ef1c s\u1ef1 h\u1ed7 tr\u1ee3 kh\u00f3 kh\u0103n v\u1ec1 v\u1ed1n cho DNNVV tr\u01b0\u1edbc h\u1ebft c\u1ea7n b\u1ed5 sung ti\u1ec1m l\u1ef1c t\u00e0i ch\u00ednh cho qu\u1ef9 d\u1ef1 ph\u00f2ng v\u00e0 s\u1eeda \u0111\u1ed5i quy ch\u1ebf.<\/p>\n

    B\u00ean c\u1ea1nh vi\u1ec7c t\u1ea1o h\u00e0nh lang ph\u00e1p l\u00fd \u0111\u1ec3 c\u00e1c b\u00ean quan h\u1ec7 b\u1ea3o l\u00e3nh c\u00f3 \u0111i\u1ec1u ki\u1ec7n minh b\u1ea1ch trong th\u1ef1c hi\u1ec7n, c\u1ea7n c\u00f3 c\u01a1 ch\u1ebf \u0111\u1ec3 th\u00fac \u0111\u1ea9y ph\u00e1t tri\u1ec3n c\u00e1c qu\u1ef9 b\u1ea3o l\u00e3nh t\u00edn d\u1ee5ng c\u1ea3 v\u1ec1 quy m\u00f4, ch\u1ea5t l\u01b0\u1ee3ng, nh\u1eb1m \u0111\u00e1p \u1ee9ng nhu c\u1ea7u b\u1ea3o l\u00e3nh c\u1ee7a c\u00e1c kho\u1ea3n vay ng\u1eafn h\u1ea1n ph\u1ee5c v\u1ee5 s\u1ea3n xu\u1ea5t – kinh doanh c\u1ee7a DNNVV. B\u1ea3n th\u00e2n DN c\u0169ng c\u1ea7n n\u00e2ng cao n\u0103ng l\u1ef1c qu\u1ea3n tr\u1ecb kinh doanh, qu\u1ea3n tr\u1ecb t\u00e0i ch\u00ednh, tu\u00e2n th\u1ee7 nghi\u00eam c\u00e1c quy \u0111\u1ecbnh c\u1ee7a ph\u00e1p lu\u1eadt li\u00ean quan \u0111\u1ebfn ho\u1ea1t \u0111\u1ed9ng b\u1ea3o l\u00e3nh.<\/p>\n\n\n\n
    Ng\u00e2n h\u00e0ng Nh\u00e0 n\u01b0\u1edbc \u0111ang \u0111\u1ec1 xu\u1ea5t v\u1edbi Ch\u00ednh ph\u1ee7 c\u00e1c gi\u1ea3i ph\u00e1p m\u1edbi nh\u1eb1m th\u1ef1c hi\u1ec7n c\u00f3 hi\u1ec7u qu\u1ea3 h\u01a1n c\u01a1 ch\u1ebf b\u1ea3o l\u00e3nh t\u00edn d\u1ee5ng \u0111\u1ed1i v\u1edbi DNNVV, nh\u01b0 c\u00e1c ng\u00e2n h\u00e0ng th\u01b0\u01a1ng m\u1ea1i ph\u1ed1i h\u1ee3p v\u1edbi VDB tri\u1ec3n khai th\u1ef1c hi\u1ec7n c\u01a1 ch\u1ebf b\u1ea3o l\u00e3nh cho DNNVV vay v\u1ed1n. Theo \u0111\u00f3, VDB s\u1ebd b\u1ea3o l\u00e3nh m\u1ed9t ph\u1ea7n ho\u1eb7c to\u00e0n b\u1ed9 kho\u1ea3n vay c\u1ee7a DNNVV thu\u1ed9c \u0111\u1ed1i t\u01b0\u1ee3ng \u0111\u01b0\u1ee3c b\u1ea3o l\u00e3nh vay v\u1ed1n t\u1ea1i ng\u00e2n h\u00e0ng th\u01b0\u01a1ng m\u1ea1i, v\u1edbi m\u1ee9c cho vay t\u1ed1i \u0111a b\u1eb1ng 85% t\u1ed5ng m\u1ee9c v\u1ed1n \u0111\u1ea7u t\u01b0 c\u1ee7a d\u1ef1 \u00e1n.<\/strong><\/p>\n

    \u00d4ng<\/em> NGUY\u1ec4N V\u0102N B\u00ccNH,
    \n<\/strong>Th\u1ed1ng \u0111\u1ed1c NHNN Vi\u1ec7t Nam <\/em><\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n

    Tr\u01b0\u1edbc nhi\u1ec1u \u0111\u1ec1 xu\u1ea5t, ki\u1ebfn ngh\u1ecb c\u1ee7a c\u00e1c DN v\u00e0 c\u01a1 quan th\u1ef1c thi ch\u00ednh s\u00e1ch, m\u1edbi \u0111\u00e2y B\u1ed9 T\u00e0i ch\u00ednh \u0111\u00e3 x\u00e2y d\u1ef1ng d\u1ef1 th\u1ea3o Quy\u1ebft \u0111\u1ecbnh c\u1ee7a Th\u1ee7 t\u01b0\u1edbng ban h\u00e0nh quy ch\u1ebf th\u00e0nh l\u1eadp, t\u1ed5 ch\u1ee9c v\u00e0 ho\u1ea1t \u0111\u1ed9ng c\u1ee7a Qu\u1ef9 B\u1ea3o l\u00e3nh t\u00edn d\u1ee5ng cho DNNVV, v\u1edbi nhi\u1ec1u quy \u0111\u1ecbnh th\u00f4ng tho\u00e1ng h\u01a1n.<\/p>\n

    C\u1ee5 th\u1ec3, theo quy \u0111\u1ecbnh hi\u1ec7n h\u00e0nh, m\u1ed9t trong nh\u1eefng \u0111i\u1ec1u ki\u1ec7n \u0111\u1ec3 DN \u0111\u01b0\u1ee3c b\u1ea3o l\u00e3nh t\u00edn d\u1ee5ng l\u00e0 c\u00f3 t\u1ed5ng gi\u00e1 tr\u1ecb t\u00e0i s\u1ea3n th\u1ebf ch\u1ea5p, c\u1ea7m c\u1ed1 t\u1ea1i t\u1ed5 ch\u1ee9c t\u00edn d\u1ee5ng theo quy \u0111\u1ecbnh c\u1ee7a ph\u00e1p lu\u1eadt t\u1ed1i thi\u1ec3u b\u1eb1ng 30% gi\u00e1 tr\u1ecb kho\u1ea3n vay. B\u1ed9 T\u00e0i ch\u00ednh \u0111\u1ec1 xu\u1ea5t s\u1eeda \u0111\u1ed5i theo h\u01b0\u1edbng h\u1ea1 m\u1ee9c y\u00eau c\u1ea7u t\u00e0i s\u1ea3n th\u1ebf ch\u1ea5p, c\u1ea7m c\u1ed1 n\u00e0y xu\u1ed1ng c\u00f2n 15% gi\u00e1 tr\u1ecb kho\u1ea3n vay.<\/p>\n

    Ngo\u00e0i ra, Ch\u1ee7 t\u1ecbch UBND t\u1ec9nh, th\u00e0nh ph\u1ed1 tr\u1ef1c thu\u1ed9c Trung \u01b0\u01a1ng quy\u1ebft \u0111\u1ecbnh cho ph\u00e9p qu\u1ef9 b\u1ea3o l\u00e3nh t\u00edn d\u1ee5ng b\u1ea3o l\u00e3nh cho nh\u1eefng kho\u1ea3n vay kh\u00f4ng c\u00f3 t\u00e0i s\u1ea3n th\u1ebf ch\u1ea5p, c\u1ea7m c\u1ed1 ho\u1eb7c t\u1ed5ng gi\u00e1 tr\u1ecb t\u00e0i s\u1ea3n th\u1ebf ch\u1ea5p, c\u1ea7m c\u1ed1 nh\u1ecf h\u01a1n 15% gi\u00e1 tr\u1ecb kho\u1ea3n vay.<\/p>\n

    B\u00ean c\u1ea1nh \u0111\u00f3, \u0111\u1ec3 \u0111\u01b0\u1ee3c b\u1ea3o l\u00e3nh t\u00edn d\u1ee5ng, DN c\u1ea7n c\u00f3 t\u1ed1i thi\u1ec3u 15% v\u1ed1n ch\u1ee7 s\u1edf h\u1eefu tham gia d\u1ef1 \u00e1n \u0111\u1ea7u t\u01b0; t\u1ea1i th\u1eddi \u0111i\u1ec3m \u0111\u1ec1 ngh\u1ecb b\u1ea3o l\u00e3nh, kh\u00f4ng c\u00f3 c\u00e1c kho\u1ea3n n\u1ee3 \u0111\u1ecdng ngh\u0129a v\u1ee5 v\u1edbi ng\u00e2n s\u00e1ch nh\u00e0 n\u01b0\u1edbc, n\u1ee3 x\u1ea5u t\u1ea1i c\u00e1c t\u1ed5 ch\u1ee9c t\u00edn d\u1ee5ng ho\u1eb7c t\u1ed5 ch\u1ee9c kinh t\u1ebf kh\u00e1c…<\/p>\n

    Theo d\u1ef1 th\u1ea3o, qu\u1ef9 b\u1ea3o l\u00e3nh t\u00edn d\u1ee5ng c\u00f3 th\u1ec3 c\u1ea5p b\u1ea3o l\u00e3nh m\u1ed9t ph\u1ea7n ho\u1eb7c b\u1ea3o l\u00e3nh to\u00e0n b\u1ed9 ph\u1ea7n ch\u00eanh l\u1ec7ch gi\u1eefa gi\u00e1 tr\u1ecb kho\u1ea3n vay v\u00e0 gi\u00e1 tr\u1ecb t\u00e0i s\u1ea3n th\u1ebf ch\u1ea5p, c\u1ea7m c\u1ed1 c\u1ee7a b\u00ean \u0111\u01b0\u1ee3c b\u1ea3o l\u00e3nh t\u1ea1i t\u1ed5 ch\u1ee9c t\u00edn d\u1ee5ng; b\u1ea3o l\u00e3nh c\u1ee7a qu\u1ef9 b\u1ea3o l\u00e3nh t\u00edn d\u1ee5ng bao g\u1ed3m ngh\u0129a v\u1ee5 tr\u1ea3 n\u1ee3 g\u1ed1c, l\u00e3i kho\u1ea3n vay c\u1ee7a b\u00ean \u0111\u01b0\u1ee3c b\u1ea3o l\u00e3nh t\u1ea1i b\u00ean nh\u1eadn b\u1ea3o l\u00e3nh.<\/p>\n

    M\u1ee9c b\u1ea3o l\u00e3nh t\u00edn d\u1ee5ng t\u1ed1i \u0111a cho m\u1ed9t kh\u00e1ch h\u00e0ng \u0111\u01b0\u1ee3c b\u1ea3o l\u00e3nh kh\u00f4ng v\u01b0\u1ee3t qu\u00e1 15% v\u1ed1n ch\u1ee7 s\u1edf h\u1eefu c\u1ee7a qu\u1ef9 b\u1ea3o l\u00e3nh t\u00edn d\u1ee5ng. T\u1ed5ng m\u1ee9c b\u1ea3o l\u00e3nh t\u00edn d\u1ee5ng c\u1ee7a qu\u1ef9 b\u1ea3o l\u00e3nh t\u00edn d\u1ee5ng cho c\u00e1c b\u00ean \u0111\u01b0\u1ee3c b\u1ea3o l\u00e3nh t\u1ed1i \u0111a kh\u00f4ng v\u01b0\u1ee3t qu\u00e1 5 l\u1ea7n so v\u1edbi v\u1ed1n \u0111i\u1ec1u l\u1ec7 th\u1ef1c c\u00f3 c\u1ee7a qu\u1ef9.<\/p>\n

    V\u1ec1 ph\u00ed b\u1ea3o l\u00e3nh t\u00edn d\u1ee5ng, B\u1ed9 T\u00e0i ch\u00ednh \u0111\u1ec1 xu\u1ea5t ph\u00ed th\u1ea9m \u0111\u1ecbnh h\u1ed3 s\u01a1 b\u1ea3o l\u00e3nh t\u00edn d\u1ee5ng 500.000 \u0111\u1ed3ng\/h\u1ed3 s\u01a1 (m\u1ee9c ph\u00ed hi\u1ec7n h\u00e0nh l\u00e0 50.000 \u0111\u1ed3ng\/h\u1ed3 s\u01a1). Ph\u00ed b\u1ea3o l\u00e3nh t\u00edn d\u1ee5ng do c\u00e1c qu\u1ef9 b\u1ea3o l\u00e3nh t\u00edn d\u1ee5ng quy\u1ebft \u0111\u1ecbnh m\u1ee9c thu ph\u00ed, nh\u01b0ng t\u1ed1i \u0111a kh\u00f4ng qu\u00e1 2%\/n\u0103m\/s\u1ed1 ti\u1ec1n \u0111\u01b0\u1ee3c b\u1ea3o l\u00e3nh t\u00edn d\u1ee5ng (quy \u0111\u1ecbnh hi\u1ec7n h\u00e0nh l\u00e0 0,8%).<\/p>\n

    B\u1ea3o Minh <\/strong><\/p>\n

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

    S\u00e0i G\u00f2n \u0110\u1ea7u t\u01b0 t\u00e0i ch\u00ednh 22-4-2013:<\/em><\/strong><\/p>\n

    http:\/\/www.saigondautu.com.vn\/Pages\/20130422\/Go-rao-can-tang-giai-ngan.aspx<\/a><\/em><\/p>\n

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

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

    (\u0110TTC) – M\u1ed9t v\u1ea5n \u0111\u1ec1 n\u1ed5i l\u00ean t\u1ea1i nhi\u1ec1u di\u1ec5n \u0111\u00e0n, h\u1ed9i th\u1ea3o g\u1ea7n \u0111\u00e2y l\u00e0 d\u00f9 l\u00e3i su\u1ea5t gi\u1ea3m nh\u01b0ng doanh nghi\u1ec7p (DN) v\u1eabn kh\u00f3 ti\u1ebfp c\u1eadn v\u1ed1n t\u00edn d\u1ee5ng, nh\u1ea5t l\u00e0 DN nh\u1ecf v\u00e0 v\u1eeba (DNNVV). Tr\u01b0\u1edbc t\u00ecnh h\u00ecnh n\u00e0y, Ch\u00ednh ph\u1ee7 \u0111ang xem x\u00e9t ho\u00e0n thi\u1ec7n c\u01a1 ch\u1ebf b\u1ea3o l\u00e3nh t\u00edn d\u1ee5ng […]<\/p>\n","protected":false},"author":3,"featured_media":32652,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":""},"categories":[17,26],"tags":[],"class_list":["post-32647","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-binh-luan-gop-y","category-legal-media"],"acf":[],"yoast_head":"\n356. B\u1ea3o l\u00e3nh t\u00edn d\u1ee5ng DNNVV: G\u1ee1 r\u00e0o c\u1ea3n, t\u0103ng gi\u1ea3i ng\u00e2n - 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\/vi\/356-bao-lanh-tin-dung-dnnvv-go-rao-can-tang-giai-ngan\/\" \/>\n<meta property=\"og:locale\" content=\"vi_VN\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"[:vi]356. B\u1ea3o l\u00e3nh t\u00edn d\u1ee5ng DNNVV: G\u1ee1 r\u00e0o c\u1ea3n, t\u0103ng gi\u1ea3i ng\u00e2n[:] - ANVI Law Firm\" \/>\n<meta property=\"og:description\" content=\"(\u0110TTC) – M\u1ed9t v\u1ea5n \u0111\u1ec1 n\u1ed5i l\u00ean t\u1ea1i nhi\u1ec1u di\u1ec5n \u0111\u00e0n, h\u1ed9i th\u1ea3o g\u1ea7n \u0111\u00e2y l\u00e0 d\u00f9 l\u00e3i su\u1ea5t gi\u1ea3m nh\u01b0ng doanh nghi\u1ec7p (DN) v\u1eabn kh\u00f3 ti\u1ebfp c\u1eadn v\u1ed1n t\u00edn d\u1ee5ng, nh\u1ea5t l\u00e0 DN nh\u1ecf v\u00e0 v\u1eeba (DNNVV). 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