{"id":3636,"date":"2021-09-03T09:57:33","date_gmt":"2021-09-03T02:57:33","guid":{"rendered":"https:\/\/anvilaw.com\/vi\/?p=3636"},"modified":"2022-02-24T12:09:33","modified_gmt":"2022-02-24T05:09:33","slug":"2-832-lai-suat-trai-phieu-cao-hut-khach-ngan-hang-cuc-no-ai-ganh","status":"publish","type":"post","link":"https:\/\/anvilaw.com\/vi\/2-832-lai-suat-trai-phieu-cao-hut-khach-ngan-hang-cuc-no-ai-ganh\/","title":{"rendered":"2.832. L\u00e3i su\u1ea5t tr\u00e1i phi\u1ebfu cao “h\u00fat” kh\u00e1ch ng\u00e2n h\u00e0ng: “C\u1ee5c n\u1ee3” ai g\u00e1nh?"},"content":{"rendered":"(DT) – Chuy\u00ean gia cho r\u1eb1ng, l\u00e3i su\u1ea5t tr\u00e1i phi\u1ebfu h\u01a1n ch\u1ee5c ph\u1ea7n tr\u0103m l\u00e0 b\u00ecnh th\u01b0\u1eddng. Mua tr\u00e1i phi\u1ebfu gi\u1ed1ng ng\u01b0\u1eddi cho vay, c\u01a1 h\u1ed9i ki\u1ebfm l\u1ee3i nhu\u1eadn r\u1ea5t t\u1ed1t n\u1ebfu nh\u00e0 \u0111\u1ea7u t\u01b0 n\u1eafm b\u1eaft r\u00f5 v\u00e0 hi\u1ec3u \u0111\u01b0\u1ee3c r\u1ee7i ro.<\/strong><\/p>\n

Quy m\u00f4 th\u1ecb tr\u01b0\u1eddng tr\u00e1i phi\u1ebfu \u0111\u1ea1t x\u1ea5p x\u1ec9 14% GDP<\/strong><\/p>\n

Trong 10 n\u0103m tr\u1edf l\u1ea1i \u0111\u00e2y, th\u1ecb tr\u01b0\u1eddng tr\u00e1i phi\u1ebfu doanh nghi\u1ec7p (TPDN) \u1edf Vi\u1ec7t Nam c\u00f3 t\u1ed1c \u0111\u1ed9 t\u0103ng tr\u01b0\u1edfng b\u00ecnh qu\u00e2n tr\u00ean 30% v\u00e0 l\u00e0 m\u1ed9t trong nh\u1eefng th\u1ecb tr\u01b0\u1eddng c\u00f3 t\u1ed1c \u0111\u1ed9 t\u0103ng tr\u01b0\u1edfng cao nh\u1ea5t \u1edf ch\u00e2u \u00c1. Hi\u1ec7n nay, quy m\u00f4 th\u1ecb tr\u01b0\u1eddng \u0111\u1ea1t x\u1ea5p x\u1ec9 14% GDP.<\/p>\n

D\u00f9 v\u1eady c\u00f2n th\u1ea5p h\u01a1n kh\u00e1 nhi\u1ec1u so v\u1edbi th\u1ecb tr\u01b0\u1eddng TPDN c\u00e1c n\u01b0\u1edbc trong khu v\u1ef1c nh\u01b0: T\u1ea1i Singapore quy m\u00f4 th\u1ecb tr\u01b0\u1eddng TPDN \u0111\u1ea1t kho\u1ea3ng 30% GDP, t\u1ea1i Malaysia kho\u1ea3ng 56% GDP, t\u1ea1i H\u00e0n Qu\u1ed1c kho\u1ea3ng 85% GDP.<\/p>\n

\u00d4ng \u0110\u1ed7 Ng\u1ecdc Qu\u1ef3nh, T\u1ed5ng th\u01b0 k\u00fd Hi\u1ec7p h\u1ed9i Th\u1ecb tr\u01b0\u1eddng Tr\u00e1i phi\u1ebfu Vi\u1ec7t Nam, cho bi\u1ebft hi\u1ec7n c\u00f3 kho\u1ea3ng 50 tri\u1ec7u ng\u01b0\u1eddi c\u00f3 t\u00e0i kho\u1ea3n ng\u00e2n h\u00e0ng v\u00e0 l\u01b0\u1ee3ng ti\u1ec1n g\u1eedi d\u00e2n c\u01b0 trong h\u1ec7 th\u1ed1ng ng\u00e2n h\u00e0ng kho\u1ea3ng h\u01a1n 5 tri\u1ec7u t\u1ef7 \u0111\u1ed3ng. Trong khi l\u00e3i su\u1ea5t \u0111ang c\u00f3 xu h\u01b0\u1edbng gi\u1ea3m v\u00e0 hi\u1ec3u bi\u1ebft c\u1ee7a ng\u01b0\u1eddi d\u00e2n, nh\u00e0 \u0111\u1ea7u t\u01b0 v\u1ec1 th\u1ecb tr\u01b0\u1eddng t\u00e0i ch\u00ednh ng\u00e0y c\u00e0ng t\u0103ng l\u00ean.<\/p>\n

“\u0110i\u1ec1u n\u00e0y c\u0169ng \u0111\u1eb7t ra v\u1ea5n \u0111\u1ec1 l\u00e0 li\u1ec7u s\u1ef1 ph\u00e1t tri\u1ec3n c\u1ee7a th\u1ecb tr\u01b0\u1eddng nh\u01b0 v\u1eady trong th\u1eddi gian v\u1eeba qua c\u00f3 ph\u1ea3i l\u00e0 qu\u00e1 n\u00f3ng kh\u00f4ng? S\u1ef1 tham gia c\u1ee7a c\u00e1c nh\u00e0 \u0111\u1ea7u t\u01b0 c\u00e1 nh\u00e2n v\u00e0o th\u1ecb tr\u01b0\u1eddng TPDN c\u00f3 ti\u1ec1m \u1ea9n r\u1ee7i ro g\u00ec cho c\u00e1c nh\u00e0 \u0111\u1ea7u t\u01b0 c\u00e1 nh\u00e2n, cho s\u1ef1 ph\u00e1t tri\u1ec3n b\u1ec1n v\u1eefng c\u1ee7a th\u1ecb tr\u01b0\u1eddng TPDN v\u00e0 s\u1ef1 ph\u00e1t tri\u1ec3n c\u1ee7a th\u1ecb tr\u01b0\u1eddng t\u00e0i ch\u00ednh Vi\u1ec7t Nam? Ch\u00fang ta \u0111\u00e3 nghe n\u00f3i nhi\u1ec1u \u0111\u1ebfn vi\u1ec7c nh\u00e0 \u0111\u1ea7u t\u01b0 c\u00e1 nh\u00e2n b\u1ecb cu\u1ed1n h\u00fat b\u1edfi m\u1ee9c l\u00e3i su\u1ea5t kh\u00e1 cao c\u1ee7a th\u1ecb tr\u01b0\u1eddng TPDN, h\u1ecd d\u1ecbch chuy\u1ec3n t\u1eeb ti\u1ec1n g\u1eedi ng\u00e2n h\u00e0ng sang th\u1ecb tr\u01b0\u1eddng TPDN”, \u00f4ng Qu\u1ef3nh \u0111\u1eb7t c\u00e2u h\u1ecfi.<\/p>\n

\"\"<\/p>\n

S\u1ee9c h\u00fat tr\u00e1i phi\u1ebfu doanh nghi\u1ec7p kh\u00f4ng \u0111\u1ebfn t\u1eeb ch\u1ea5t l\u01b0\u1ee3ng kinh doanh, m\u00e0 \u0111\u1ebfn t\u1eeb “m\u1ed3i nh\u1eed” l\u00e0 l\u00e3i su\u1ea5t cao (\u1ea2nh: Vneconomy).<\/em><\/p>\n

Chia s\u1ebb t\u1ea1i H\u1ed9i th\u1ea3o “C\u00e1 nh\u00e2n \u0111\u1ea7u t\u01b0 tr\u00e1i phi\u1ebfu doanh nghi\u1ec7p: Nh\u1eadn di\u1ec7n v\u00e0 \u1ee9ng x\u1eed r\u1ee7i ro” t\u1ed5 ch\u1ee9c m\u1edbi \u0111\u00e2y, \u00f4ng Nguy\u1ec5n Ho\u00e0ng D\u01b0\u01a1ng, Ph\u00f3 v\u1ee5 tr\u01b0\u1edfng V\u1ee5 T\u00e0i ch\u00ednh c\u00e1c ng\u00e2n h\u00e0ng v\u00e0 t\u1ed5 ch\u1ee9c t\u00e0i ch\u00ednh B\u1ed9 T\u00e0i ch\u00ednh cho hay: “Ch\u00fang t\u00f4i \u0111\u00e3 tr\u00ecnh Th\u1ee7 t\u01b0\u1edbng Ch\u00ednh ph\u1ee7 l\u1ed9 tr\u00ecnh ph\u00e1t tri\u1ec3n th\u1ecb tr\u01b0\u1eddng tr\u00e1i phi\u1ebfu. B\u00ean c\u1ea1nh \u0111\u00f3, ch\u00fang t\u00f4i c\u0169ng tr\u00ecnh Ch\u00ednh ph\u1ee7 ban h\u00e0nh c\u00e1c Ngh\u1ecb \u0111\u1ecbnh v\u1ec1 tr\u00e1i phi\u1ebfu doanh nghi\u1ec7p ph\u00f9 h\u1ee3p v\u1edbi t\u1eebng th\u1eddi k\u1ef3, k\u00e8m theo \u0111\u00f3 l\u00e0 c\u00e1c gi\u1ea3i ph\u00e1p qu\u1ea3n l\u00fd v\u00e0 ph\u00e1t tri\u1ec3n th\u1ecb tr\u01b0\u1eddng”.<\/p>\n

C\u0169ng theo v\u1ecb \u0111\u1ea1i di\u1ec7n n\u00e0y, “ph\u00e1t tri\u1ec3n th\u1ecb tr\u01b0\u1eddng tr\u00e1i phi\u1ebfu doanh nghi\u1ec7p th\u1eddi gian t\u1edbi c\u00f3 th\u1ec3 c\u00f3 nh\u1eefng r\u1ee7i ro b\u1edfi v\u00ec nh\u00e0 \u0111\u1ea7u t\u01b0 c\u00e1 nh\u00e2n tham gia qu\u00e1 nhi\u1ec1u v\u00e0 doanh nghi\u1ec7p ph\u00e1t h\u00e0nh qu\u00e1 nhi\u1ec1u. N\u1ebfu th\u1ecb tr\u01b0\u1eddng bi\u1ebfn \u0111\u1ed9ng, doanh nghi\u1ec7p c\u00f3 kh\u00f3 kh\u0103n th\u00ec m\u1ed9t c\u1ee5c n\u1ee3 s\u1eafp t\u1edbi s\u1ebd ch\u1edd ch\u00fang ta \u1edf ph\u00eda tr\u01b0\u1edbc”.<\/p>\n

Nh\u1eadn di\u1ec7n 4 r\u1ee7i ro ch\u00ednh<\/strong><\/p>\n

Theo \u0111\u00e1nh gi\u00e1 c\u1ee7a c\u00e1c chuy\u00ean gia, hi\u1ec7n \u0111\u1ea7u t\u01b0 v\u00e0o TPDN c\u00f3 4 r\u1ee7i ro. Th\u1ee9 nh\u1ea5t l\u00e0 r\u1ee7i ro t\u00edn d\u1ee5ng, t\u1ee9c t\u1ed5 ch\u1ee9c ph\u00e1t h\u00e0nh tr\u00e1i phi\u1ebfu kh\u00f4ng c\u00f3 kh\u1ea3 n\u0103ng tr\u1ea3 l\u00e3i su\u1ea5t \u0111\u1ecbnh k\u1ef3 ho\u1eb7c thanh to\u00e1n kho\u1ea3n g\u1ed1c \u0111\u00fang h\u1ea1n. Th\u1ee9 hai l\u00e0 r\u1ee7i ro thanh kho\u1ea3n, nh\u00e0 \u0111\u1ea7u t\u01b0 kh\u00f4ng th\u1ec3 ngay l\u1eadp t\u1ee9c b\u00e1n \u0111\u01b0\u1ee3c tr\u00e1i phi\u1ebfu khi c\u00f3 nhu c\u1ea7u ti\u1ec1n m\u1eb7t, ho\u1eb7c kh\u00f4ng b\u00e1n \u0111\u01b0\u1ee3c tr\u00e1i phi\u1ebfu v\u1edbi m\u1ee9c gi\u00e1 k\u1ef3 v\u1ecdng, ho\u1eb7c chi tr\u1ea3 nhi\u1ec1u chi ph\u00ed \u0111\u1ec3 b\u00e1n \u0111\u01b0\u1ee3c tr\u00e1i phi\u1ebfu.<\/p>\n

Th\u1ee9 ba l\u00e0 r\u1ee7i ro \u0111\u1ecbnh gi\u00e1 l\u00e3i su\u1ea5t \u0111i\u1ec1u ch\u1ec9nh, m\u1ee9c \u0111i\u1ec1u ch\u1ec9nh kh\u00f4ng h\u1ee3p l\u00fd d\u1eabn t\u1edbi l\u00e3i su\u1ea5t cao nh\u01b0ng r\u1ee7i ro l\u1edbn. Th\u1ee9 t\u01b0 l\u00e0 c\u00e1c nh\u00f3m r\u1ee7i ro kh\u00e1c bao g\u1ed3m: R\u1ee7i ro mua l\u1ea1i\/t\u00e1i \u0111\u1ea7u t\u01b0, r\u1ee7i ro th\u1ecb tr\u01b0\u1eddng (l\u1ea1m ph\u00e1t, l\u00e3i su\u1ea5t, b\u1ea5t \u1ed5n kinh t\u1ebf), r\u1ee7i ro\u00a0s\u1ef1 ki\u1ec7n<\/a>\u00a0(thay \u0111\u1ed5i v\u1ec1 ph\u00e1p l\u00fd, thi\u00ean tai v\u00e0 \u0111\u1ea1i d\u1ecbch).<\/p>\n

Lu\u1eadt s\u01b0 Tr\u01b0\u01a1ng Thanh \u0110\u1ee9c, Gi\u00e1m \u0111\u1ed1c C\u00f4ng ty Lu\u1eadt ANVI<\/span><\/strong>, cho hay: Tr\u00e1i phi\u1ebfu c\u0169ng c\u1ea7n x\u1eed l\u00fd nh\u01b0 qua c\u00e1c k\u00eanh mua c\u1ed5 ph\u1ea7n hay vay ng\u00e2n h\u00e0ng, tr\u00ean c\u00e1c s\u00e0n chuy\u00ean nghi\u1ec7p th\u00ec quy \u0111\u1ecbnh ch\u1eb7t, c\u00f2n ngo\u00e0i s\u00e0n th\u00ec kh\u00f4ng c\u1ea7n qu\u00e1 ch\u1eb7t ch\u1ebd. Ng\u01b0\u1eddi mua ph\u1ea3i bi\u1ebft, ph\u1ea3i ch\u1ecbu v\u00e0 ch\u1ea5p nh\u1eadn r\u1ee7i ro. So v\u1edbi cho vay b\u00ean ngo\u00e0i, mua c\u1ed5 ph\u1ea7n m\u1edbi th\u00e0nh l\u1eadp, g\u00f3p v\u1ed1n th\u00e0nh l\u1eadp c\u00f4ng ty, \u0111\u1ea7u t\u01b0 nh\u00e0 c\u1eeda \u0111\u1ea5t \u0111ai, \u0111\u1ea7u t\u01b0 ngo\u1ea1i t\u1ec7\u2026 th\u00ec tr\u00e1i phi\u1ebfu doanh nghi\u1ec7p c\u00f3 l\u00e3i su\u1ea5t cao h\u01a1n c\u0169ng ho\u00e0n to\u00e0n b\u00ecnh th\u01b0\u1eddng, t\u01b0\u01a1ng x\u1ee9ng v\u1edbi m\u1ee9c \u0111\u1ed9 r\u1ee7i ro.<\/em><\/p>\n

“Tr\u00e1i phi\u1ebfu l\u00e3i su\u1ea5t h\u01a1n ch\u1ee5c ph\u1ea7n tr\u0103m l\u00e0 b\u00ecnh th\u01b0\u1eddng. Mua tr\u00e1i phi\u1ebfu gi\u1ed1ng ng\u01b0\u1eddi cho vay, c\u01a1 h\u1ed9i ki\u1ebfm l\u1ee3i nhu\u1eadn r\u1ea5t t\u1ed1t n\u1ebfu nh\u00e0 \u0111\u1ea7u t\u01b0 n\u1eafm b\u1eaft r\u00f5 v\u00e0 hi\u1ec3u \u0111\u01b0\u1ee3c r\u1ee7i ro”. \u00f4ng \u0110\u1ee9c b\u00ecnh lu\u1eadn.<\/em><\/p>\n

L\u00e0 ng\u01b0\u1eddi t\u1eebng l\u00e0m vi\u1ec7c \u1edf m\u1ea3ng qu\u1ea3n l\u00fd t\u00e0i s\u1ea3n, \u00f4ng Ph\u1ea1m Minh Tu\u1ea5n, Ph\u00f3 Ch\u1ee7 t\u1ecbch H\u0110QT T\u1eadp \u0111o\u00e0n Bamboo Capital Group (BCG), \u0111\u01b0a ra l\u1eddi khuy\u00ean: “Ph\u1ea3i hi\u1ec3u t\u1ea1i sao m\u00ecnh \u0111\u1ea7u t\u01b0 n\u00f3? Tr\u00e1i phi\u1ebfu mang l\u1ea1i d\u00f2ng ti\u1ec1n \u0111\u1ec1u \u0111\u1eb7n v\u00e0 ph\u1ee5c v\u1ee5 m\u1ee5c \u0111\u00edch nh\u1ea5t \u0111\u1ecbnh trong vi\u1ec7c c\u00e2n b\u1eb1ng r\u1ee7i ro trong danh m\u1ee5c \u0111\u1ea7u t\u01b0 c\u1ee7a m\u00ecnh. N\u1ebfu b\u1ea1n c\u00f3 danh m\u1ee5c \u0111\u1ea7u t\u01b0 bao g\u1ed3m c\u1ed5 phi\u1ebfu v\u00e0 tr\u00e1i phi\u1ebfu, trong \u0111i\u1ec1u ki\u1ec7n th\u1ecb tr\u01b0\u1eddng thu\u1eadn l\u1ee3i, kinh t\u1ebf ph\u00e1t tri\u1ec3n, c\u1ed5 phi\u1ebfu mang l\u1ea1i s\u1ef1 gi\u00e0u sang c\u00f2n tr\u00e1i phi\u1ebfu mang l\u1ea1i d\u00f2ng thu nh\u1eadp \u0111\u1ec1u \u0111\u1eb7n \u0111\u1ec3 c\u00e1c b\u1ea1n s\u1ed1ng h\u00e0ng ng\u00e0y”.<\/p>\n

C\u0169ng theo \u00f4ng Tu\u1ea5n, “kh\u00f4ng ph\u1ea3i t\u1ea5t c\u1ea3 c\u00e1c tr\u00e1i phi\u1ebfu gi\u1ed1ng nhau. Tr\u00e1i phi\u1ebfu Ch\u00ednh ph\u1ee7 c\u00f3 \u0111\u1ed9 an to\u00e0n cao, l\u00e3i su\u1ea5t th\u1ea5p. TPDN c\u0169ng c\u00f3 r\u1ea5t nhi\u1ec1u doanh nghi\u1ec7p. Ph\u1ea3i t\u00ecm m\u1ed9t thang chu\u1ea9n \u0111\u1ec3 x\u1ebfp h\u1ea1ng c\u00e1c doanh nghi\u1ec7p v\u00e0 v\u1edbi m\u1ee9c r\u1ee7i ro nh\u01b0 th\u1ebf th\u00ec l\u00e3i su\u1ea5t m\u00ecnh nh\u1eadn \u0111\u01b0\u1ee3c c\u00f3 h\u1ee3p l\u00fd hay kh\u00f4ng? N\u1ebfu kh\u00f4ng c\u00f3 \u0111\u1ea7y \u0111\u1ee7 th\u00f4ng tin v\u00e0 doanh nghi\u1ec7p ho\u1ea1t \u0111\u1ed9ng kh\u00f4ng t\u1ed1t th\u00ec c\u00f3 th\u1ec3 ch\u1ecbu r\u1ee7i ro ph\u00e1 s\u1ea3n r\u1ea5t l\u1edbn. N\u1ebfu ch\u00fang ta l\u00e0 nh\u00e0 \u0111\u1ea7u t\u01b0 c\u00e1 nh\u00e2n v\u00e0 chuy\u00ean v\u1ec1 t\u00e0i ch\u00ednh, ch\u00fang ta ph\u1ea3i t\u1ef1 t\u00ecm hi\u1ec3u v\u00e0 \u0111\u1ecdc nh\u1eefng th\u00f4ng tin \u0111\u00f3 tr\u00ean th\u1ecb tr\u01b0\u1eddng”.<\/p>\n

\u0110\u1ec1 c\u1eadp t\u1edbi x\u1ebfp h\u1ea1ng t\u00edn nhi\u1ec7m khi ph\u00e1t h\u00e0nh tr\u00e1i phi\u1ebfu, \u00d4ng \u0110\u1ed7 Ng\u1ecdc Qu\u1ef3nh, T\u1ed5ng th\u01b0 k\u00fd Hi\u1ec7p h\u1ed9i Th\u1ecb tr\u01b0\u1eddng Tr\u00e1i phi\u1ebfu cho bi\u1ebft: Th\u1ef1c t\u1ebf, tr\u00ean th\u1ebf gi\u1edbi ngay c\u1ea3 t\u1ea1i c\u00e1c n\u01b0\u1edbc ph\u00e1t tri\u1ec3n nh\u01b0 M\u1ef9 c\u0169ng c\u00f3 kh\u1ee7ng ho\u1ea3ng x\u1ebfp h\u1ea1ng t\u00edn nhi\u1ec7m. T\u1ee9c ph\u01b0\u01a1ng ph\u00e1p x\u1ebfp h\u1ea1ng c\u00f3 \u0111\u1ee7 kh\u00e1ch quan v\u00e0 minh b\u1ea1ch kh\u00f4ng, n\u0103ng l\u1ef1c c\u1ee7a cty x\u1ebfp h\u1ea1ng c\u00f3 b\u1eaft k\u1ecbp th\u1ecb tr\u01b0\u1eddng kh\u00f4ng, c\u00f3 d\u1ef1 \u0111o\u00e1n \u0111\u00fang r\u1ee7i ro kh\u00f4ng. L\u1ecbch s\u1eed c\u0169ng cho th\u1ea5y c\u00f3 nh\u1eefng giai \u0111o\u1ea1n c\u00e1c t\u1ed5 ch\u1ee9c x\u1ebfp h\u1ea1ng h\u00e0ng \u0111\u1ea7u \u0111\u00e3 \u0111\u00e1nh gi\u00e1 kh\u00f4ng \u0111\u00fang, \u0111\u01b0a ra x\u1ebfp h\u1ea1ng t\u00edn nhi\u1ec7m sai l\u1ec7ch, d\u1eabn t\u1edbi c\u00e1c quy\u1ebft \u0111\u1ecbnh \u0111\u1ea7u t\u01b0 ho\u00e0n to\u00e0n sai l\u1ea7m, kh\u00f4ng t\u01b0\u01a1ng x\u1ee9ng v\u1edbi m\u1ee9c \u0111\u1ed9 r\u1ee7i ro.<\/p>\n

Cho n\u00ean, m\u00f4 h\u00ecnh v\u1ec1 c\u00e1c c\u00f4ng ty x\u1ebfp h\u1ea1ng t\u00edn nhi\u1ec7m kh\u00f4ng ph\u1ea3i l\u00e0 ph\u01b0\u01a1ng ph\u00e1p tuy\u1ec7t \u0111\u1ed1i ho\u00e0n h\u1ea3o \u0111\u1ec3 ph\u00f2ng tr\u00e1nh r\u1ee7i ro, n\u00f3 ch\u1ec9 l\u00e0 m\u1ed9t c\u00f4ng c\u1ee5 mang t\u00ednh b\u1ed5 tr\u1ee3 c\u00f9ng v\u1edbi c\u00e1c gi\u1ea3i ph\u00e1p mang t\u00ednh to\u00e0n di\u1ec7n kh\u00e1c, trong \u0111\u00f3 c\u00f3 c\u1ea3 v\u1ea5n \u0111\u1ec1 ch\u00ednh s\u00e1ch, ph\u00e1p l\u00fd v\u1ec1 c\u01a1 s\u1edf h\u1ea1 t\u1ea7ng, v\u1ec1 s\u1ef1 nghi\u00eam t\u00fac c\u1ee7a c\u00e1c nh\u00e0 ph\u00e1t h\u00e0nh.<\/p>\n

“\u0110\u1eb7c bi\u1ec7t n\u1eefa l\u00e0 vi\u1ec7c n\u00e2ng cao hi\u1ec3u bi\u1ebft c\u1ee7a nh\u00e0 \u0111\u1ea7u t\u01b0, h\u01a1n ai h\u1ebft h\u1ecd ph\u1ea3i l\u00e0 ng\u01b0\u1eddi ch\u1ecbu tr\u00e1ch nhi\u1ec7m cho c\u00e1c kho\u1ea3n \u0111\u1ea7u t\u01b0 h\u1ecd quy\u1ebft \u0111\u1ecbnh th\u1ef1c hi\u1ec7n”, \u00f4ng Qu\u1ef3nh nh\u1ea5n m\u1ea1nh.<\/p>\n

 <\/p>\n

Nguy\u1ec5n Hi\u1ec1n<\/strong><\/p>\n

\u2014\u2014\u2014\u2014\u2014<\/em><\/strong><\/p>\n

D\u00e2n<\/em> tr\u00ed (T\u00e0i ch\u00ednh) 03-9-2021:<\/em><\/p>\n

https:\/\/dantri.com.vn\/kinh-doanh\/lai-suat-trai-phieu-cao-hut-khach-ngan-hang-cuc-no-ai-ganh-20210903165034806.htm<\/em><\/a><\/p>\n

https:\/\/www.youtube.com\/watch?v=Z-CpEuZ0RAg<\/em><\/a><\/p>\n

(191\/1.333)<\/em>","protected":false},"excerpt":{"rendered":"

(DT) – Chuy\u00ean gia cho r\u1eb1ng, l\u00e3i su\u1ea5t tr\u00e1i phi\u1ebfu h\u01a1n ch\u1ee5c ph\u1ea7n tr\u0103m l\u00e0 b\u00ecnh th\u01b0\u1eddng. Mua tr\u00e1i phi\u1ebfu gi\u1ed1ng ng\u01b0\u1eddi cho vay, c\u01a1 h\u1ed9i ki\u1ebfm l\u1ee3i nhu\u1eadn r\u1ea5t t\u1ed1t n\u1ebfu nh\u00e0 \u0111\u1ea7u t\u01b0 n\u1eafm b\u1eaft r\u00f5 v\u00e0 hi\u1ec3u \u0111\u01b0\u1ee3c r\u1ee7i ro. Quy m\u00f4 th\u1ecb tr\u01b0\u1eddng tr\u00e1i phi\u1ebfu \u0111\u1ea1t x\u1ea5p x\u1ec9 14% GDP Trong […]<\/p>\n","protected":false},"author":1,"featured_media":3637,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":""},"categories":[17,26],"tags":[],"class_list":["post-3636","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-binh-luan-gop-y","category-legal-media"],"acf":[],"yoast_head":"\n2.832. 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Mua tr\u00e1i phi\u1ebfu gi\u1ed1ng ng\u01b0\u1eddi cho vay, c\u01a1 h\u1ed9i ki\u1ebfm l\u1ee3i nhu\u1eadn r\u1ea5t t\u1ed1t n\u1ebfu nh\u00e0 \u0111\u1ea7u t\u01b0 n\u1eafm b\u1eaft r\u00f5 v\u00e0 hi\u1ec3u \u0111\u01b0\u1ee3c r\u1ee7i ro. 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