{"id":37744,"date":"2023-08-31T21:01:59","date_gmt":"2023-08-31T14:01:59","guid":{"rendered":"https:\/\/anvilaw.com\/vi\/?p=37744"},"modified":"2024-10-22T10:57:46","modified_gmt":"2024-10-22T03:57:46","slug":"3-562-thong-tu-so-10-2023-tt-nhnn-va-nguy-co-rui-ro-tin-dung","status":"publish","type":"post","link":"https:\/\/anvilaw.com\/vi\/3-562-thong-tu-so-10-2023-tt-nhnn-va-nguy-co-rui-ro-tin-dung\/","title":{"rendered":"3.562. Th\u00f4ng t\u01b0 s\u1ed1 10\/2023\/TT-NHNN v\u00e0 nguy c\u01a1 r\u1ee7i ro t\u00edn d\u1ee5ng"},"content":{"rendered":"

Th\u00f4ng t\u01b0 s\u1ed1 10\/2023\/TT-NHNN v\u00e0 nguy c\u01a1 r\u1ee7i ro t\u00edn d\u1ee5ng<\/span><\/h4>\n
(TCTC) – Vi\u1ec7c n\u1edbi l\u1ecfng cho vay theo Th\u00f4ng t\u01b0 s\u1ed1 10\/2023\/TT-NHNN c\u1ee7a Ng\u00e2n h\u00e0ng Nh\u00e0 n\u01b0\u1edbc (NHNN) l\u00e0 \u0111i\u1ec3m t\u00edch c\u1ef1c gi\u00fap th\u00e1o g\u1ee1 v\u01b0\u1edbng m\u1eafc cho doanh nghi\u1ec7p nh\u01b0ng c\u00f3 th\u1ec3 d\u1eabn \u0111\u1ebfn h\u1ec7 l\u1ee5y r\u1ee7i ro t\u00edn d\u1ee5ng n\u1ebfu ng\u00e2n h\u00e0ng qu\u00e1 m\u1edf r\u1ed9ng cho vay thi\u1ebfu s\u1ef1 \u0111\u00e1nh gi\u00e1 ch\u1eb7t ch\u1ebd.<\/em><\/h5>\n

\"Th\u00f4ng<\/p>\n

N\u1ee3 x\u1ea5u b\u1ea5t \u0111\u1ed9ng s\u1ea3n t\u0103ng<\/strong><\/h5>\n

Ng\u00e0y 23\/8, NHNN ph\u00e1t \u0111i th\u00f4ng tin v\u1ec1 vi\u1ec7c ng\u01b0ng hi\u1ec7u l\u1ef1c thi h\u00e0nh kho\u1ea3n 8, kho\u1ea3n 9 v\u00e0 kho\u1ea3n 10 \u0110i\u1ec1u 8 c\u1ee7a Th\u00f4ng t\u01b0 s\u1ed1 39\/2016 (\u0111\u00e3 \u0111\u01b0\u1ee3c b\u1ed5 sung theo kho\u1ea3n 2 \u0110i\u1ec1u 1 Th\u00f4ng t\u01b0 s\u1ed1 06\/2023\/TT-NHNN) t\u1eeb ng\u00e0y 1\/9\/2023 cho \u0111\u1ebfn ng\u00e0y c\u00f3 hi\u1ec7u l\u1ef1c thi h\u00e0nh c\u1ee7a v\u0103n b\u1ea3n quy ph\u1ea1m ph\u00e1p lu\u1eadt m\u1edbi quy \u0111\u1ecbnh v\u1ec1 c\u00e1c v\u1ea5n \u0111\u1ec1 n\u00e0y.<\/p>\n

C\u1ee5 th\u1ec3, nh\u1eefng nhu c\u1ea7u v\u1ed1n kh\u00f4ng \u0111\u01b0\u1ee3c ph\u00e9p cho vay theo Kho\u1ea3n 8, 9 v\u00e0 10 c\u1ee7a Th\u00f4ng t\u01b0 s\u1ed1 39\/2016 (\u0111\u00e3 \u0111\u01b0\u1ee3c b\u1ed5 sung theo kho\u1ea3n 2 \u0110i\u1ec1u 1 Th\u00f4ng t\u01b0 s\u1ed1 06\/2023) bao g\u1ed3m: G\u00f3p v\u1ed1n, mua ph\u1ea7n g\u00f3p v\u1ed1n c\u1ee7a c\u00f4ng ty t\u01b0 nh\u00e2n v\u00e0 c\u00f4ng ty c\u1ed5 ph\u1ea7n ch\u01b0a \u0111\u0103ng k\u00fd giao d\u1ecbch tr\u00ean UPCOM; G\u00f3p v\u1ed1n theo h\u1ee3p \u0111\u1ed3ng g\u00f3p v\u1ed1n, h\u1ee3p t\u00e1c \u0111\u1ea7u t\u01b0, h\u1ee3p t\u00e1c kinh doanh \u0111\u1ec3 th\u1ef1c hi\u1ec7n d\u1ef1 \u00e1n \u0111\u1ea7u t\u01b0 kh\u00f4ng \u0111\u1ee7 \u0111i\u1ec1u ki\u1ec7n \u0111\u01b0a v\u00e0o kinh doanh theo quy \u0111\u1ecbnh c\u1ee7a ph\u00e1p lu\u1eadt v\u00e0 b\u00f9 \u0111\u1eafp t\u00e0i ch\u00ednh, tr\u1eeb tr\u01b0\u1eddng h\u1ee3p \u0111\u00e1p \u1ee9ng c\u00e1c \u0111i\u1ec1u ki\u1ec7n c\u1ee5 th\u1ec3.<\/p>\n

Ngay khi Th\u00f4ng t\u01b0 s\u1ed1 10\/2023\/TT-NHNN \u0111\u01b0\u1ee3c ban h\u00e0nh, nhi\u1ec1u lu\u1ed3ng \u00fd ki\u1ebfn xu\u1ea5t hi\u1ec7n, m\u1ed9t m\u1eb7t \u0111\u00e1nh gi\u00e1 cao tinh th\u1ea7n c\u1ea7u th\u1ecb v\u00e0 s\u1ef1 \u1ee9ng ph\u00f3 linh ho\u1ea1t c\u1ee7a Ch\u00ednh ph\u1ee7 v\u00e0 NHNN, m\u1eb7t kh\u00e1c c\u0169ng d\u1ea5y l\u00ean nh\u1eefng lo ng\u1ea1i v\u1ec1 r\u1ee7i ro t\u00edn d\u1ee5ng n\u1ebfu ng\u00e2n h\u00e0ng m\u1ea1nh tay cho vay B\u0110S v\u1edbi nh\u1eefng d\u1ef1 \u00e1n ch\u01b0a \u0111\u1ee7 \u0111i\u1ec1u ki\u1ec7n… trong khi t\u1ef7 l\u1ec7 n\u1ee3 x\u1ea5u c\u1ee7a l\u0129nh v\u1ef1c B\u0110S \u0111ang c\u00f3 chi\u1ec1u h\u01b0\u1edbng gia t\u0103ng. Theo NHNN, n\u1ee3 x\u1ea5u B\u0110S t\u1ea1i th\u1eddi \u0111i\u1ec3m th\u00e1ng 6\/2023 l\u00e0 2,47%, t\u0103ng 0,94 \u0111i\u1ec3m ph\u1ea7n tr\u0103m so c\u00f9ng k\u1ef3 n\u0103m 2022.<\/p>\n

Nhi\u1ec1u chuy\u00ean gia t\u00e0i ch\u00ednh ng\u00e2n h\u00e0ng cho r\u1eb1ng, nh\u1eefng \u0111i\u1ec1u c\u1ea5m c\u1ee7a Th\u00f4ng t\u01b0 s\u1ed1 06\/2023\/TT-NHNN l\u00e0 h\u1ee3p l\u00fd, gi\u00fap l\u00e0m gi\u1ea3m r\u1ee7i ro cho c\u00e1c ng\u00e2n h\u00e0ng. M\u1eb7c d\u00f9 vi\u1ec7c gi\u1edbi h\u1ea1n khi\u1ebfn nhi\u1ec1u doanh nghi\u1ec7p kh\u00f3 vay v\u1ed1n, nh\u01b0ng x\u00e9t v\u1ec1 g\u00f3c \u0111\u1ed9 l\u00e2u d\u00e0i th\u00ec l\u1ea1i gi\u00fap cho ho\u1ea1t \u0111\u1ed9ng t\u00edn d\u1ee5ng c\u1ee7a c\u00e1c ng\u00e2n h\u00e0ng tr\u1edf n\u00ean l\u00e0nh m\u1ea1nh h\u01a1n. N\u1ebfu c\u00e1c d\u1ef1 \u00e1n kh\u00f4ng \u0111\u1ee7 \u0111i\u1ec1u ki\u1ec7n ho\u1eb7c cho vay s\u00e2n sau th\u00f4ng qua h\u00ecnh th\u1ee9c g\u00f3p v\u1ed1n, h\u1ee3p \u0111\u1ed3ng g\u00f3p v\u1ed1n c\u00f3 th\u1ec3 \u0111\u1ec3 l\u1ea1i h\u1eadu qu\u1ea3 l\u1edbn cho h\u1ec7 th\u1ed1ng ng\u00e2n h\u00e0ng trong t\u01b0\u01a1ng lai. Vi\u1ec7t Nam \u0111\u00e3 c\u00f3 b\u00e0i h\u1ecdc \u0111\u1eaft gi\u00e1 t\u01b0\u01a1ng t\u1ef1 trong giai \u0111o\u1ea1n 2011-2012.<\/p>\n

Lu\u1eadt s\u01b0<\/span><\/a> Tr\u01b0\u01a1ng Thanh \u0110\u1ee9c<\/a>, Gi\u00e1m \u0111\u1ed1c C\u00f4ng ty Lu\u1eadt<\/a> ANVI<\/a><\/strong> cho bi\u1ebft, \u0111i\u1ec3m chung c\u1ee7a kh\u1ee7ng ho\u1ea3ng ng\u00e2n h\u00e0ng \u1edf ch\u00e2u \u00c1 tr\u01b0\u1edbc \u0111\u00e2y c\u0169ng nh\u01b0 \u1edf M\u1ef9 hi\u1ec7n nay l\u00e0 xu\u1ea5t ph\u00e1t t\u1eeb c\u00e1c nguy\u00ean nh\u00e2n ch\u00ednh: C\u00e1c ng\u00e2n h\u00e0ng n\u1edbi l\u1ecfng \u0111i\u1ec1u ki\u1ec7n c\u1ea5p t\u00edn d\u1ee5ng, cho vay s\u00e2n sau, qu\u00e1 t\u1eadp trung v\u00e0o t\u00edn d\u1ee5ng B\u0110S v\u00e0 kh\u00e2u thanh tra gi\u00e1m s\u00e1t kh\u00f4ng ch\u1eb7t.<\/em><\/p>\n

\u201c\u1ede Vi\u1ec7t Nam hi\u1ec7n nay, v\u1eeba y\u00eau c\u1ea7u t\u00edn d\u1ee5ng h\u1ed7 tr\u1ee3 t\u0103ng tr\u01b0\u1edfng, ph\u00e1t tri\u1ec3n th\u1ecb tr\u01b0\u1eddng B\u0110S v\u1eeba gi\u00e1m s\u00e1t ch\u1eb7t ch\u1ebd an to\u00e0n h\u1ec7 th\u1ed1ng l\u00e0 \u0111i\u1ec1u r\u1ea5t kh\u00f3\u201d, Lu\u1eadt s\u01b0 \u0110\u1ee9c nh\u1ea5n m\u1ea1nh.<\/em><\/p>\n

Kh\u00f3 t\u00ecm \u0111i\u1ec3m c\u00e2n b\u1eb1ng<\/strong><\/h5>\n

Theo \u00f4ng Nguy\u1ec5n Minh Tu\u1ea5n \u2013 T\u1ed5ng Gi\u00e1m \u0111\u1ed1c c\u1ee7a AFA Capital, ph\u00eda NHNN c\u1ea5m cho vay \u0111\u1ec3 th\u1ef1c hi\u1ec7n d\u1ef1 \u00e1n \u0111\u1ea7u t\u01b0 kh\u00f4ng \u0111\u1ee7 \u0111i\u1ec1u ki\u1ec7n \u0111\u01b0a v\u00e0o kinh doanh theo quy \u0111\u1ecbnh c\u1ee7a ph\u00e1p lu\u1eadt trong khi t\u0103ng tr\u01b0\u1edfng t\u00edn d\u1ee5ng \u00e2m b\u1edfi mu\u1ed1n s\u00e0ng l\u1ecdc, qu\u1ea3n tr\u1ecb r\u1ee7i ro c\u1ee7a h\u1ec7 th\u1ed1ng ng\u00e2n h\u00e0ng.<\/p>\n

\u201cNg\u00e0nh Ng\u00e2n h\u00e0ng n\u0103m nay c\u00f3 r\u1ea5t nhi\u1ec1u th\u00e1ch th\u1ee9c, m\u1ed9t l\u00e0 l\u1ee3i nhu\u1eadn bi\u00ean (NIM) c\u00e0ng ng\u00e0y c\u00e0ng gi\u1ea3m, hai l\u00e0 t\u1ef7 l\u1ec7 n\u1ee3 x\u1ea5u c\u00e0ng ng\u00e0y c\u00e0ng t\u0103ng, n\u00ean NHNN d\u00f9 c\u00f3 c\u1ea5m hay ko c\u1ea5m th\u00ec ch\u00ednh s\u00e1ch t\u00edn d\u1ee5ng c\u1ee7a t\u1eebng ng\u00e2n h\u00e0ng s\u1ebd ph\u1ea3i ki\u1ec3m so\u00e1t vi\u1ec7c cho vay B\u0110S li\u00ean quan nh\u1eefng n\u1ed9i dung \u0111\u1ec1 c\u1eadp t\u1ea1i kho\u1ea3n 8, kho\u1ea3n 9 v\u00e0 kho\u1ea3n 10 \u0110i\u1ec1u 8 n\u00f3i tr\u00ean. N\u1ebfu ng\u00e2n h\u00e0ng cho ph\u00e9p t\u00edn d\u1ee5ng m\u1ed9t c\u00e1ch r\u1ed9ng r\u00e3i trong l\u0129nh v\u1ef1c n\u00e0y \u0111\u1ec1u g\u1eb7p nh\u1eefng r\u1ee7i ro r\u1ea5t l\u1edbn\u201d, \u00f4ng Nguy\u1ec5n Minh Tu\u1ea5n chia s\u1ebb.<\/p>\n

Theo C\u00f4ng ty Ch\u1ee9ng kho\u00e1n ACB (ACBS), c\u00e1c \u0111i\u1ec1u ch\u1ec9nh t\u1ea1i Th\u00f4ng t\u01b0 s\u1ed1 10\/2023\/TT-NHNN s\u1ebd g\u00f3p ph\u1ea7n h\u1ed7 tr\u1ee3 cho t\u0103ng tr\u01b0\u1edfng t\u00edn d\u1ee5ng, v\u1ed1n \u0111ang \u1edf m\u1ee9c th\u1ea5p trong th\u1eddi gian g\u1ea7n \u0111\u00e2y (\u0111\u1ebfn cu\u1ed1i th\u00e1ng 7 ch\u1ec9 t\u0103ng 4,56% so v\u1edbi \u0111\u1ea7u n\u0103m, gi\u1ea3m 0,17% so v\u1edbi th\u1eddi \u0111i\u1ec3m cu\u1ed1i th\u00e1ng 6).<\/p>\n

Tr\u00ean th\u1ef1c t\u1ebf, m\u1ed7i ng\u00e2n h\u00e0ng s\u1ebd c\u00f3 kh\u1ea9u v\u1ecb r\u1ee7i ro ri\u00eang v\u00e0 v\u1eabn c\u00f3 th\u1ec3 s\u1ebd kh\u00f4ng ch\u1ee7 \u0111\u1ed9ng gi\u1ea3i ng\u00e2n \u0111\u1ed1i v\u1edbi c\u00e1c d\u1ef1 \u00e1n v\u00e0 kho\u1ea3n vay m\u00e0 h\u1ecd \u0111\u00e1nh gi\u00e1 l\u00e0 c\u00f3 r\u1ee7i ro cao. Trong khi \u0111\u00f3, Th\u00f4ng t\u01b0 m\u1edbi ban h\u00e0nh s\u1ebd t\u1ea1o h\u00e0nh lang ph\u00e1p l\u00fd v\u00e0 \u0111i\u1ec1u ki\u1ec7n thu\u1eadn l\u1ee3i trong vi\u1ec7c gi\u1ea3i ng\u00e2n t\u00edn d\u1ee5ng \u0111\u1ed1i v\u1edbi c\u00e1c ng\u00e2n h\u00e0ng \u01b0a th\u00edch cho vay l\u0129nh v\u1ef1c B\u0110S. T\u1ea1i th\u1eddi \u0111i\u1ec3m cu\u1ed1i th\u00e1ng 6\/2023, c\u00e1c ng\u00e2n h\u00e0ng c\u00f3 t\u1ef7 tr\u1ecdng d\u01b0 n\u1ee3 cho vay l\u0129nh v\u1ef1c B\u0110S v\u00e0 x\u00e2y d\u1ef1ng cao bao g\u1ed3m: Techcombank (35,5%), LienVietPostbank (31,6%), SHB (27,3%), VPBank (22,5%), HDBank (19,0%) v\u00e0 MSB (17,9%).<\/p>\n

Nh\u1eadn \u0111\u1ecbnh v\u1ec1 t\u00edn d\u1ee5ng B\u0110S v\u1eabn t\u0103ng m\u1ea1nh trong b\u1ed1i c\u1ea3nh th\u1ecb tr\u01b0\u1eddng tr\u1ea7m l\u1eafng, TS. Nguy\u1ec5n Tr\u00ed Hi\u1ebfu – Chuy\u00ean gia t\u00e0i ch\u00ednh ng\u00e2n h\u00e0ng\u00a0cho r\u1eb1ng, r\u1ee7i ro th\u1ecb tr\u01b0\u1eddng \u0111ang t\u0103ng l\u00ean, n\u1ec1n kinh t\u1ebf tr\u00ec tr\u1ec7, c\u00e1c doanh nghi\u1ec7p B\u0110S \u0111ang kh\u00f3 kh\u0103n \u0111\u1ec3 b\u00e1n t\u00e0i s\u1ea3n ra m\u00e0 d\u01b0 n\u1ee3 v\u00e0o B\u0110S l\u1ea1i t\u0103ng th\u00ec kh\u00f4ng ph\u1ea3i l\u00e0 d\u1ea5u hi\u1ec7u t\u1ed1t. C\u00f3 th\u1ec3 c\u00e1c doanh nghi\u1ec7p B\u0110S \u0111i vay \u0111\u1ec3 tr\u1ea3 cho n\u1ee3 c\u0169 ho\u1eb7c vay \u0111\u1ec3 chi tr\u1ea3 chi ph\u00ed nh\u1eb1m ti\u1ebfp t\u1ee5c ho\u1ea1t \u0111\u1ed9ng kinh doanh. Khi c\u00e1c d\u1ef1 \u00e1n kh\u00f4ng b\u00e1n ra \u0111\u01b0\u1ee3c, ngu\u1ed3n tr\u1ea3 n\u1ee3 kh\u00f4ng c\u00f3 trong khi n\u1ee3 vay c\u1ee9 t\u0103ng l\u00ean, r\u00f5 r\u00e0ng l\u00e0 t\u00edn hi\u1ec7u r\u1ea5t x\u1ea5u. M\u1ed9t m\u1eb7t, c\u00e1c doanh nghi\u1ec7p B\u0110S c\u1ea7n ph\u1ea3i c\u1ea9n th\u1eadn; m\u1eb7t kh\u00e1c c\u00e1c ng\u00e2n h\u00e0ng c\u0169ng n\u00ean quan t\u00e2m v\u00ec sao d\u01b0 n\u1ee3 cho vay B\u0110S l\u1ea1i t\u0103ng trong khi th\u1ecb tr\u01b0\u1eddng \u0111ang tr\u1ea7m l\u1eafng nh\u01b0 th\u1ebf n\u00e0y.<\/p>\n

TS. Nguy\u1ec5n Tr\u00ed Hi\u1ebfu c\u0169ng d\u1ef1 b\u00e1o th\u1ecb tr\u01b0\u1eddng B\u0110S ch\u01b0a th\u1ec3 kh\u1edfi s\u1eafc, th\u1eadm ch\u00ed \u0111\u1ebfn sang n\u0103m. Theo \u0111\u00f3, th\u1ecb tr\u01b0\u1eddng c\u00f3 th\u1ec3 ph\u1ee5c h\u1ed3i m\u1ed9t ph\u1ea7n nh\u01b0ng hi\u1ec7n \u0111ang g\u1eb7p kh\u00f3 kh\u0103n b\u1edfi nhi\u1ec1u y\u1ebfu t\u1ed1 t\u00e1c \u0111\u1ed9ng. \u0110\u00e1ng ch\u00fa \u00fd, c\u00e1c doanh nghi\u1ec7p ph\u00e1t h\u00e0nh tr\u00e1i phi\u1ebfu hi\u1ec7n t\u1ea1i c\u00f2n r\u1ea5t nhi\u1ec1u tr\u00e1i phi\u1ebfu s\u1eafp \u0111\u1ebfn h\u1ea1n nh\u01b0ng l\u1ea1i kh\u00f4ng c\u00f3 kh\u1ea3 n\u0103ng tr\u1ea3 n\u1ee3. Th\u00eam n\u1eefa, v\u1ee5 vi\u1ec7c T\u1eadp \u0111o\u00e0n B\u0110S Evergrande c\u1ee7a Trung Qu\u1ed1c v\u1ee1 n\u1ee3 c\u0169ng l\u00e0 c\u00fa \u0111\u1ea5m b\u1ed3i th\u00eam cho th\u1ecb tr\u01b0\u1eddng B\u0110S to\u00e0n c\u1ea7u v\u00e0 cho c\u1ea3 Vi\u1ec7t Nam.<\/p>\n

Tr\u01b0\u1edbc \u0111\u00f3, Hi\u1ec7p h\u1ed9i B\u0110S TP. H\u1ed3 Ch\u00ed Minh (HoREA) c\u00f3 v\u0103n b\u1ea3n g\u1eedi \u0111\u1ebfn Th\u1ee7 t\u01b0\u1edbng Ch\u00ednh ph\u1ee7 ki\u1ebfn ngh\u1ecb NHNN n\u00ean s\u1eeda \u0111\u1ed5i kho\u1ea3n 2 \u0111i\u1ec1u 1 c\u1ee7a Th\u00f4ng t\u01b0 s\u1ed1 06\/2023\/TT-NHNN, theo h\u01b0\u1edbng s\u1eeda kho\u1ea3n 8, kho\u1ea3n 9 v\u00e0 kho\u1ea3n 10 quy \u0111\u1ecbnh c\u00e1c \u0111\u1ed1i t\u01b0\u1ee3ng kh\u00f4ng \u0111\u01b0\u1ee3c vay v\u1ed1n t\u00edn d\u1ee5ng v\u1eeba \u0111\u01b0\u1ee3c b\u1ed5 sung th\u00eam v\u00e0o Th\u00f4ng t\u01b0. Theo HoREA, vi\u1ec7c quy \u0111\u1ecbnh th\u00eam 4 \u0111\u1ed1i t\u01b0\u1ee3ng kh\u00f4ng \u0111\u01b0\u1ee3c vay v\u1ed1n \u0111\u00e3 d\u1ef1ng th\u00eam \u201cr\u00e0o ch\u1eafn\u201d l\u00e0m cho ng\u01b0\u1eddi mua nh\u00e0, doanh nghi\u1ec7p B\u0110S khi ti\u1ebfp c\u1eadn t\u00edn d\u1ee5ng.<\/p>\n

Vi\u1ec7c h\u1ea1n ch\u1ebf n\u00e0y g\u00e2y h\u1ec7 l\u1ee5y kh\u00f4ng nh\u1ecf \u0111\u1ebfn c\u00e1c doanh nghi\u1ec7p \u0111ang trong giai \u0111o\u1ea1n ph\u00e1t tri\u1ec3n, trong \u0111\u00f3 c\u00f3 c\u00e1c doanh nghi\u1ec7p B\u0110S do kh\u00f4ng th\u1ec3 ti\u1ebfp c\u1eadn v\u1ed1n \u0111\u1ec3 ti\u1ebfp t\u1ee5c tri\u1ec3n khai d\u1ef1 \u00e1n hay ph\u00e1t tri\u1ec3n d\u1ef1 \u00e1n m\u1edbi. \u0110\u1eb7c bi\u1ec7t, c\u00e1c \u0111\u1ed1i t\u01b0\u1ee3ng t\u1ea1i kho\u1ea3n 8, 9 v\u00e0 10 s\u1ebd d\u1eabn \u0111\u1ebfn t\u00ecnh tr\u1ea1ng m\u1ed9t s\u1ed1 doanh nghi\u1ec7p thu\u1ed9c c\u00e1c l\u0129nh v\u1ef1c c\u1ee7a n\u1ec1n kinh t\u1ebf c\u00f3 nhu c\u1ea7u vay v\u1ed1n, trong \u0111\u00f3 c\u00f3 c\u00e1c doanh nghi\u1ec7p B\u0110S, ng\u01b0\u1eddi mua nh\u00e0, nh\u00e0 \u0111\u1ea7u t\u01b0 B\u0110S s\u1ebd r\u1ea5t kh\u00f3 ti\u1ebfp c\u1eadn \u0111\u01b0\u1ee3c t\u00edn d\u1ee5ng. Trong khi \u0111\u00f3, vi\u1ec7c ti\u1ebfp c\u1eadn v\u1ed1n t\u00edn d\u1ee5ng l\u00e0 \u201cphao c\u1ee9u sinh\u201d \u0111\u1ec3 doanh nghi\u1ec7p v\u01b0\u1ee3t qua kh\u00f3 kh\u0103n hi\u1ec7n nay, b\u1edfi l\u1ebd th\u1ecb tr\u01b0\u1eddng tr\u00e1i phi\u1ebfu doanh nghi\u1ec7p \u0111ang r\u1ea5t kh\u00f3 kh\u0103n, trong l\u00fac doanh nghi\u1ec7p B\u0110S c\u0169ng ch\u01b0a th\u1ec3 huy \u0111\u1ed9ng \u0111\u01b0\u1ee3c ngu\u1ed3n v\u1ed1n t\u1eeb kh\u00e1ch h\u00e0ng do d\u1ef1 \u00e1n b\u1ecb v\u01b0\u1edbng m\u1eafc ph\u00e1p l\u00fd n\u00ean ch\u01b0a th\u1ec3 tri\u1ec3n khai, th\u1ef1c hi\u1ec7n.<\/p>\n

TS. Tr\u1ea7n Ng\u1ecdc Th\u01a1 – \u0110\u1ea1i h\u1ecdc Kinh t\u1ebf TP. H\u1ed3 Ch\u00ed Minh cho r\u1eb1ng, r\u1ea5t kh\u00f3 t\u00ecm \u0111\u01b0\u1ee3c \u0111i\u1ec3m c\u00e2n b\u1eb1ng ph\u00f9 h\u1ee3p v\u1edbi m\u1ee5c ti\u00eau v\u1eeba kh\u00f4ng c\u1ea3n tr\u1edf ph\u00e1t tri\u1ec3n th\u1ecb tr\u01b0\u1eddng B\u0110S, v\u1eeba th\u1ecfa m\u00e3n m\u1ee5c ti\u00eau \u1ed5n \u0111\u1ecbnh h\u1ec7 th\u1ed1ng t\u00e0i ch\u00ednh, v\u1eeba \u1ed5n \u0111\u1ecbnh v\u0129 m\u00f4, v\u1eeba ki\u1ec3m so\u00e1t l\u1ea1m ph\u00e1t\u2026 V\u00e0 n\u1ebfu \u0111i\u1ec3m c\u00e2n b\u1eb1ng x\u1ea5u, hi\u1ec7n t\u01b0\u1ee3ng r\u00fat ti\u1ec1n h\u00e0ng lo\u1ea1t x\u1ea3y ra, vi\u1ec7c gi\u1ea3i c\u1ee9u l\u00fac \u0111\u00f3 ph\u1ea3i tr\u1ea3 gi\u00e1 l\u1edbn h\u01a1n r\u1ea5t nhi\u1ec1u.<\/p>\n

Tu\u1ea5n Thu\u1ef7<\/strong><\/h5>\n

————-<\/em><\/p>\n

T\u1ea1p ch\u00ed T\u00e0i ch\u00ednh (Ng\u00e2n h\u00e0ng) 31-8-2023:<\/em><\/strong><\/p>\n

https:\/\/tapchitaichinh.vn\/thong-tu-so-10-2023-tt-nhnn-va-nguy-co-rui-ro-tin-dung.html<\/a> <\/em><\/p>\n

(106\/1.522) #NHNN #TT10<\/em>","protected":false},"excerpt":{"rendered":"

Th\u00f4ng t\u01b0 s\u1ed1 10\/2023\/TT-NHNN v\u00e0 nguy c\u01a1 r\u1ee7i ro t\u00edn d\u1ee5ng (TCTC) – Vi\u1ec7c n\u1edbi l\u1ecfng cho vay theo Th\u00f4ng t\u01b0 s\u1ed1 10\/2023\/TT-NHNN c\u1ee7a Ng\u00e2n h\u00e0ng Nh\u00e0 n\u01b0\u1edbc (NHNN) l\u00e0 \u0111i\u1ec3m t\u00edch c\u1ef1c gi\u00fap th\u00e1o g\u1ee1 v\u01b0\u1edbng m\u1eafc cho doanh nghi\u1ec7p nh\u01b0ng c\u00f3 th\u1ec3 d\u1eabn \u0111\u1ebfn h\u1ec7 l\u1ee5y r\u1ee7i ro t\u00edn d\u1ee5ng n\u1ebfu ng\u00e2n h\u00e0ng […]<\/p>\n","protected":false},"author":1,"featured_media":37745,"comment_status":"closed","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":""},"categories":[17,26],"tags":[42,36],"class_list":["post-37744","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-binh-luan-gop-y","category-legal-media","tag-luat-su-dat-dai","tag-luat-su-ngan-hang"],"acf":[],"yoast_head":"\n3.562. 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