{"id":38659,"date":"2023-12-26T18:52:21","date_gmt":"2023-12-26T11:52:21","guid":{"rendered":"https:\/\/anvilaw.com\/vi\/?p=38659"},"modified":"2024-10-11T14:56:30","modified_gmt":"2024-10-11T07:56:30","slug":"3-641-ngan-tieu-cuc-trong-dieu-hanh-tin-dung","status":"publish","type":"post","link":"https:\/\/anvilaw.com\/vi\/3-641-ngan-tieu-cuc-trong-dieu-hanh-tin-dung\/","title":{"rendered":"3.641. Ng\u0103n ti\u00eau c\u1ef1c trong \u0111i\u1ec1u h\u00e0nh t\u00edn d\u1ee5ng"},"content":{"rendered":"

Ng\u0103n ti\u00eau c\u1ef1c trong \u0111i\u1ec1u h\u00e0nh t\u00edn d\u1ee5ng<\/span><\/h4>\n
(KT \u0110T) – Th\u1ee7 t\u01b0\u1edbng Ch\u00ednh ph\u1ee7 Ph\u1ea1m Minh Ch\u00ednh v\u1eeba ban h\u00e0nh C\u00f4ng \u0111i\u1ec7n s\u1ed1 1403\/C\u0110-TTg v\u1ec1 t\u0103ng c\u01b0\u1eddng qu\u1ea3n l\u00fd v\u00e0 n\u00e2ng cao hi\u1ec7u qu\u1ea3 \u0111i\u1ec1u h\u00e0nh t\u0103ng tr\u01b0\u1edfng t\u00edn d\u1ee5ng ph\u1ee5c v\u1ee5 t\u0103ng tr\u01b0\u1edfng kinh t\u1ebf.<\/h5>\n

Trong \u0111\u00f3 nh\u1ea5n m\u1ea1nh, \u0111i\u1ec1u h\u00e0nh t\u00edn d\u1ee5ng c\u1ea7n ph\u1ea3i k\u1ecbp th\u1eddi h\u01a1n, nhanh h\u01a1n, b\u1ea3o \u0111\u1ea3m h\u1ed7 tr\u1ee3 DN, ng\u01b0\u1eddi d\u00e2n ti\u1ebfp c\u1eadn v\u1ed1n t\u00edn d\u1ee5ng thu\u1eadn l\u1ee3i v\u00e0 d\u1ec5 d\u00e0ng h\u01a1n.<\/p>\n

Doanh nghi\u1ec7p ch\u01b0a th\u1ec3 ti\u1ebfp c\u1eadn \u0111\u1ee7 v\u1ed1n<\/strong><\/h5>\n

Th\u1ee7 t\u01b0\u1edbng y\u00eau c\u1ea7u Ng\u00e2n h\u00e0ng Nh\u00e0 n\u01b0\u1edbc (NHNN) t\u1eadp trung \u0111i\u1ec1u h\u00e0nh ch\u00ednh s\u00e1ch ti\u1ec1n t\u1ec7 ch\u1ee7 \u0111\u1ed9ng, linh ho\u1ea1t, k\u1ecbp th\u1eddi, hi\u1ec7u qu\u1ea3, kh\u1ea3 thi, khoa h\u1ecdc, \u0111\u00fang quy \u0111\u1ecbnh, s\u00e1t t\u00ecnh h\u00ecnh, tuy\u1ec7t \u0111\u1ed1i kh\u00f4ng v\u00e0 d\u1ee9t kho\u00e1t kh\u00f4ng \u0111\u1ec3 ph\u00e1t sinh c\u01a1 ch\u1ebf xin – cho, l\u1ee3i \u00edch nh\u00f3m, ti\u00eau c\u1ef1c, tham nh\u0169ng\u2026 trong vi\u1ec7c t\u0103ng tr\u01b0\u1edfng t\u00edn d\u1ee5ng.<\/p>\n

\"\"<\/p>\n

Tr\u00ean th\u1ef1c t\u1ebf, do nhi\u1ec1u nguy\u00ean nh\u00e2n nhi\u1ec1u doanh nghi\u1ec7p v\u1eabn ch\u01b0a th\u1ec3 ti\u1ebfp c\u1eadn \u0111\u1ee7 ngu\u1ed3n v\u1ed1n \u0111\u1ec3 th\u00fac \u0111\u1ea9y s\u1ea3n xu\u1ea5t kinh doanh. \u1ea2nh: H\u1ea3i Linh<\/h6>\n

Th\u1ef1c t\u1ebf hi\u1ec7n nay, do nhi\u1ec1u nguy\u00ean nh\u00e2n, nhi\u1ec1u DN v\u1eabn ch\u01b0a th\u1ec3 ti\u1ebfp c\u1eadn \u0111\u1ee7 ngu\u1ed3n v\u1ed1n \u0111\u1ec3 th\u00fac \u0111\u1ea9y s\u1ea3n xu\u1ea5t, kinh doanh. Gi\u00e1m \u0111\u1ed1c C\u00f4ng ty TNHH C\u00e0 ph\u00ea Vina V\u0169 Minh Nh\u1ea5t chia s\u1ebb, so v\u1edbi nh\u1eefng n\u0103m tr\u01b0\u1edbc, hi\u1ec7n nay, c\u00e1c ng\u00e2n h\u00e0ng \u0111\u00e3 \u201ctho\u00e1ng\u201d h\u01a1n, nh\u01b0ng do y\u00eau c\u1ea7u b\u1ea3o \u0111\u1ea3m v\u1ec1 t\u00e0i s\u1ea3n th\u1ebf ch\u1ea5p v\u1eabn c\u00f2n kh\u00e1 kh\u1eaft khe n\u00ean s\u1ed1 v\u1ed1n m\u00e0 DN \u0111\u01b0\u1ee3c vay kh\u00f4ng \u0111\u00e1p \u1ee9ng \u0111\u1ee7 nhu c\u1ea7u. “\u00d0\u01a1n c\u1eed nh\u01b0 c\u00f4ng ty c\u1ee7a t\u00f4i c\u00f3 t\u00e0i s\u1ea3n l\u00e0 \u0111\u1ea5t n\u00f4ng nghi\u1ec7p nh\u01b0ng v\u1edbi vi\u1ec7c \u0111\u1ecbnh gi\u00e1 nh\u01b0 hi\u1ec7n nay, th\u00ec s\u1ed1 v\u1ed1n ti\u1ebfp c\u1eadn \u0111\u01b0\u1ee3c r\u1ea5t \u00edt. Trong \u0111i\u1ec1u ki\u1ec7n kinh doanh g\u1eb7p kh\u00f3 kh\u0103n, DN \u0111\u00e3 v\u00e0 \u0111ang thi\u1ebfu v\u1ed1n tr\u1ea7m tr\u1ecdng, n\u1ebfu c\u00e1c ng\u00e2n h\u00e0ng kh\u00f4ng linh ho\u1ea1t trong c\u00e1c th\u1ee7 t\u1ee5c, \u0111i\u1ec1u ki\u1ec7n vay v\u1ed1n th\u00ec e r\u1eb1ng DN r\u1ea5t kh\u00f3 v\u1ef1c d\u1eady\u201d- \u00f4ng V\u0169 Minh Nh\u1ea5t ki\u1ebfn ngh\u1ecb.<\/p>\n

Hi\u1ec7n nay, c\u00e1c DN s\u1ea3n xu\u1ea5t m\u1ee9t, \u00f4 mai \u0111ang t\u0103ng t\u1ed1c s\u1ea3n xu\u1ea5t, ngu\u1ed3n h\u00e0ng d\u1ef1 ki\u1ebfn t\u0103ng th\u00eam 10% \u0111\u1ec3 \u0111\u00e1p \u1ee9ng nhu c\u1ea7u m\u00f9a cao \u0111i\u1ec3m T\u1ebft D\u01b0\u01a1ng l\u1ecbch v\u00e0 T\u1ebft Nguy\u00ean \u0111\u00e1n. Nhi\u1ec1u c\u01a1 s\u1edf, DN s\u1ea3n xu\u1ea5t nh\u1ecf c\u0169ng \u0111ang t\u00ecm ngu\u1ed3n v\u1ed1n \u0111\u1ec3 mua nguy\u00ean li\u1ec7u s\u1ea3n xu\u1ea5t v\u00e0 d\u1ef1 tr\u1eef h\u00e0ng h\u00f3a. Tr\u01b0\u1edfng ph\u00f2ng Marketing C\u00f4ng ty CP H\u1ed3ng Lam \u0110\u00e0o Kh\u00e1nh Huy\u1ec1n cho bi\u1ebft: “NHNN v\u1eeba n\u1edbi th\u00eam h\u1ea1n m\u1ee9c t\u0103ng tr\u01b0\u1edfng t\u00edn d\u1ee5ng cho m\u1ed9t s\u1ed1 ng\u00e2n h\u00e0ng l\u00e0 c\u01a1 h\u1ed9i t\u1ed1t d\u00e0nh cho c\u00e1c DN, \u0111\u1eb7c bi\u1ec7t l\u00e0 DN v\u1eeba v\u00e0 nh\u1ecf trong b\u1ed1i c\u1ea3nh kinh t\u1ebf c\u00f2n nhi\u1ec1u bi\u1ebfn \u0111\u1ed9ng, kh\u00f3 kh\u0103n. Ch\u00fang t\u00f4i c\u0169ng \u0111ang tham kh\u1ea3o m\u1ed9t s\u1ed1 ng\u00e2n h\u00e0ng \u0111\u1ec3 vay v\u1ed1n, d\u00f9 v\u1eady c\u00e1c ng\u00e2n h\u00e0ng \u0111\u1ec1u y\u00eau c\u1ea7u ph\u1ea3i c\u00f3 t\u00e0i s\u1ea3n th\u1ebf ch\u1ea5p\u201d.<\/p>\n

D\u01b0\u1edbi g\u00f3c \u0111\u1ed9 c\u1ee7a ng\u01b0\u1eddi l\u00e0m kinh doanh, m\u1ed9t s\u1ed1 DN b\u1ea5t \u0111\u1ed9ng s\u1ea3n chia s\u1ebb, vi\u1ec7c n\u1edbi h\u1ea1n m\u1ee9c t\u00edn d\u1ee5ng ch\u1ec9 c\u00f3 \u00fd ngh\u0129a v\u1edbi c\u00e1c DN \u0111ang c\u00f3 g\u00f3i vay v\u00e0 c\u1ea7n huy \u0111\u1ed9ng t\u00e0i ch\u00ednh. Nh\u01b0ng v\u1edbi DN vay m\u1edbi, \u0111ang chu\u1ea9n b\u1ecb th\u1ee7 t\u1ee5c th\u00ec th\u1eddi gian c\u00f2n l\u1ea1i m\u1ed9t th\u00e1ng t\u1eeb nay \u0111\u1ebfn cu\u1ed1i n\u0103m l\u00e0 kh\u00f4ng \u0111\u1ee7 \u0111\u1ec3 gi\u1ea3i ng\u00e2n. Ch\u01b0a k\u1ec3, l\u00e3i su\u1ea5t cho vay 4 – 5% ch\u1ec9 \u00e1p d\u1ee5ng cho m\u1ed9t s\u1ed1 l\u0129nh v\u1ef1c s\u1ea3n xu\u1ea5t, k\u1ef3 h\u1ea1n ng\u1eafn, c\u00f2n \u0111\u1ed1i v\u1edbi l\u0129nh v\u1ef1c cho vay b\u1ea5t \u0111\u1ed9ng s\u1ea3n th\u00ec l\u00e3i su\u1ea5t v\u1eabn c\u00f2n cao. C\u00e1c DN ki\u1ebfn ngh\u1ecb ng\u00e2n h\u00e0ng ti\u1ebfp t\u1ee5c gi\u1ea3m l\u00e3i su\u1ea5t \u0111\u1ec3 c\u00f3 th\u1ec3 ti\u1ebfp c\u1eadn ngu\u1ed3n v\u1ed1n r\u1ebb h\u01a1n. “L\u00e3i su\u1ea5t cho vay b\u00e2y gi\u1edd v\u1edbi DN v\u1eabn kh\u00e1 cao, d\u01b0\u1eddng nh\u01b0 b\u1ea5t kh\u1ea3 thi \u0111\u1ec3 x\u00e2y d\u1ef1ng m\u1ed9t ph\u01b0\u01a1ng \u00e1n kinh doanh. Ch\u00fang t\u00f4i \u0111\u1ec1 ngh\u1ecb m\u1ee9c l\u00e3i su\u1ea5t 6 – 8% tr\u1edf l\u1ea1i” – T\u1ed5ng Gi\u00e1m \u0111\u1ed1c SGO Homes L\u00ea \u0110\u00ecnh Chung \u0111\u1ec1 xu\u1ea5t.<\/p>\n

Theo \u0111\u00e1nh gi\u00e1 c\u1ee7a Ch\u00ednh ph\u1ee7, t\u0103ng tr\u01b0\u1edfng t\u00edn d\u1ee5ng v\u1eabn c\u00f2n nhi\u1ec1u kh\u00f3 kh\u0103n, v\u01b0\u1edbng m\u1eafc. \u0110i\u1ec1u h\u00e0nh t\u00edn d\u1ee5ng \u0111\u00f4i khi c\u00f2n b\u1ecb \u0111\u1ed9ng, nhi\u1ec1u ch\u00ednh s\u00e1ch t\u00edn d\u1ee5ng c\u00f2n c\u1ee9ng nh\u1eafc. T\u0103ng tr\u01b0\u1edfng t\u00edn d\u1ee5ng c\u00f2n th\u1ea5p, m\u1ee9c t\u0103ng tr\u01b0\u1edfng kh\u00f4ng \u0111\u1ed3ng \u0111\u1ec1u. DN ti\u1ebfp c\u1eadn t\u00edn d\u1ee5ng c\u00f2n nhi\u1ec1u kh\u00f3 kh\u0103n trong khi d\u01b0 \u0111\u1ecba t\u0103ng tr\u01b0\u1edfng t\u00edn d\u1ee5ng c\u00f2n l\u1ea1i to\u00e0n h\u1ec7 th\u1ed1ng \u0111\u1ec3 c\u00e1c t\u1ed5 ch\u1ee9c t\u00edn d\u1ee5ng m\u1edf r\u1ed9ng l\u00e0 r\u1ea5t l\u1edbn.<\/p>\n

Linh ho\u1ea1t ch\u00ednh s\u00e1ch, \u0111\u01a1n gi\u1ea3n h\u00f3a th\u1ee7 t\u1ee5c<\/strong><\/h5>\n

Cu\u1ed1i th\u00e1ng 11, Th\u1ee7 t\u01b0\u1edbng c\u0169ng c\u00f3 c\u00f4ng \u0111i\u1ec7n y\u00eau c\u1ea7u NHNN r\u00fat kinh nghi\u1ec7m t\u1eeb vi\u1ec7c \u0111i\u1ec1u h\u00e0nh t\u00edn d\u1ee5ng ch\u1eadm trong n\u0103m 2022. Vi\u1ec7c \u0111i\u1ec1u h\u00e0nh t\u0103ng tr\u01b0\u1edfng t\u00edn d\u1ee5ng n\u0103m 2023 c\u1ea7n k\u1ecbp th\u1eddi, hi\u1ec7u qu\u1ea3, b\u1ea3o \u0111\u1ea3m cung c\u1ea5p \u0111\u1ee7 v\u1ed1n t\u00edn d\u1ee5ng cho n\u1ec1n kinh t\u1ebf v\u00e0 an to\u00e0n h\u1ec7 th\u1ed1ng c\u00e1c t\u1ed5 ch\u1ee9c t\u00edn d\u1ee5ng, tuy\u1ec7t \u0111\u1ed1i kh\u00f4ng \u0111\u1ec3 t\u1eafc ngh\u1ebdn, \u00e1ch t\u1eafc, ch\u1eadm tr\u1ec5, kh\u00f4ng \u0111\u00fang th\u1eddi \u0111i\u1ec3m. C\u00f9ng v\u1edbi \u0111\u00f3, ti\u1ebfp t\u1ee5c h\u01b0\u1edbng ngu\u1ed3n v\u1ed1n t\u00edn d\u1ee5ng v\u00e0o c\u00e1c l\u0129nh v\u1ef1c s\u1ea3n xu\u1ea5t, kinh doanh, l\u0129nh v\u1ef1c \u01b0u ti\u00ean v\u00e0 c\u00e1c \u0111\u1ed9ng l\u1ef1c t\u0103ng tr\u01b0\u1edfng c\u1ee7a n\u1ec1n kinh t\u1ebf theo ch\u1ee7 tr\u01b0\u01a1ng c\u1ee7a Ch\u00ednh ph\u1ee7; ki\u1ec3m so\u00e1t ch\u1eb7t ch\u1ebd t\u00edn d\u1ee5ng v\u00e0o c\u00e1c l\u0129nh v\u1ef1c ti\u1ec1m \u1ea9n r\u1ee7i ro. \u201cKh\u00f4ng h\u1ea1 chu\u1ea9n cho vay nh\u01b0ng c\u00e1c ng\u00e2n h\u00e0ng c\u1ea7n linh ho\u1ea1t trong ch\u00ednh s\u00e1ch \u0111\u1ec3 “\u0111\u1ea9y” v\u1ed1n v\u1edbi c\u00e1c DN c\u00f3 d\u1ef1 \u00e1n kh\u1ea3 thi\u201d – Th\u1ee7 t\u01b0\u1edbng nh\u1ea5n m\u1ea1nh.<\/p>\n

Sau ch\u1ec9 \u0111\u1ea1o c\u1ee7a Th\u1ee7 t\u01b0\u1edbng, m\u1eb7c d\u00f9 t\u1ed1c \u0111\u1ed9 t\u0103ng tr\u01b0\u1edfng t\u00edn d\u1ee5ng \u0111\u00e3 \u0111\u01b0\u1ee3c \u0111\u1ea9y nhanh nh\u01b0ng s\u1ed1 li\u1ec7u c\u1eadp nh\u1eadt \u0111\u1ebfn ng\u00e0y 13\/12\/2023 cho th\u1ea5y t\u00edn d\u1ee5ng t\u0103ng 9,87% so v\u1edbi cu\u1ed1i n\u0103m 2022, th\u1ea5p h\u01a1n so v\u1edbi \u0111\u1ecbnh h\u01b0\u1edbng \u0111i\u1ec1u h\u00e0nh 14% trong n\u0103m nay.<\/p>\n

Ph\u00f3 Ch\u1ee7 t\u1ecbch ki\u00eam T\u1ed5ng Th\u01b0 k\u00fd Hi\u1ec7p h\u1ed9i Ng\u00e2n h\u00e0ng Vi\u1ec7t Nam (VNBA), TS Nguy\u1ec5n Qu\u1ed1c H\u00f9ng nh\u1eadn \u0111\u1ecbnh, 10 th\u00e1ng \u0111\u1ea7u n\u0103m 2023, t\u0103ng tr\u01b0\u1edfng t\u00edn d\u1ee5ng chung c\u1ee7a to\u00e0n ng\u00e0nh ng\u00e2n h\u00e0ng \u0111\u1ea1t tr\u00ean 7% nh\u01b0ng ri\u00eang \u0111\u1ed1i v\u1edbi l\u0129nh v\u1ef1c xu\u1ea5t nh\u1eadp kh\u1ea9u l\u00e0 11,61%, cao h\u01a1n so v\u1edbi n\u0103m 2022 v\u00e0 so v\u1edbi c\u00f9ng k\u1ef3 n\u0103m 2022. TS Nguy\u1ec5n Qu\u1ed1c H\u00f9ng cho r\u1eb1ng, kh\u00f4ng th\u1ec3 h\u1ea1 chu\u1ea9n t\u00edn d\u1ee5ng nh\u01b0ng c\u00e1c \u0111i\u1ec1u ki\u1ec7n, nguy\u00ean t\u1eafc \u0111\u1ec3 b\u1ea3o \u0111\u1ea3m c\u00f3 th\u1ec3 l\u00e0 h\u1eadu ki\u1ec3m v\u00e0 c\u00f3 th\u00e1i \u0111\u1ed9 r\u1ea5t nghi\u00eam kh\u1eafc khi DN s\u1eed d\u1ee5ng v\u1ed1n kh\u00f4ng \u0111\u00fang m\u1ee5c \u0111\u00edch\u2026<\/p>\n

Ch\u1eb7n ti\u00eau c\u1ef1c, l\u00e0m s\u1ea1ch h\u1ec7 th\u1ed1ng<\/strong><\/h5>\n

Ch\u1ec9 \u0111\u1ea1o c\u1ee7a Th\u1ee7 t\u01b0\u1edbng c\u0169ng y\u00eau c\u1ea7u, ch\u1ea5m d\u1ee9t t\u00ecnh tr\u1ea1ng cho vay t\u1eadp trung v\u00e0o m\u1ed9t s\u1ed1 DN, d\u1ef1 \u00e1n thu\u1ed9c h\u1ec7 sinh th\u00e1i, ho\u1eb7c thu\u1ed9c \u201cs\u00e2n sau\u201d c\u1ee7a t\u1eadp \u0111o\u00e0n. Nghi\u00eam c\u1ea5m vi\u1ec7c m\u1edf r\u1ed9ng room t\u00edn d\u1ee5ng v\u00e0 d\u00e0nh l\u00e3i su\u1ea5t th\u1ea5p cho th\u00e0nh vi\u00ean ban l\u00e3nh \u0111\u1ea1o ng\u00e2n h\u00e0ng.<\/p>\n

C\u00e1c chuy\u00ean gia cho r\u1eb1ng, c\u00f2n d\u01b0 \u0111\u1ecba \u0111\u1ec3 ng\u00e0nh n\u00e0y c\u1ea3i c\u00e1ch b\u1edfi th\u1ef1c t\u1ebf h\u1ed3 s\u01a1 cho vay hi\u1ec7n v\u1eabn c\u00f2n ph\u1ee9c t\u1ea1p, kh\u00f3 kh\u0103n, th\u1ee7 t\u1ee5c h\u00e0nh ch\u00ednh c\u00f2n r\u01b0\u1eddm r\u00e0. L\u00e3i su\u1ea5t m\u1eb7c d\u00f9 \u0111\u00e3 gi\u1ea3m song v\u1eabn c\u00f2n cao so v\u1edbi kh\u1ea3 n\u0103ng chi tr\u1ea3 c\u1ee7a DN, nh\u1ea5t l\u00e0 l\u00e3i su\u1ea5t cho vay. \u0110\u1eb7c bi\u1ec7t, v\u1eabn c\u00f2n hi\u1ec7n t\u01b0\u1ee3ng ti\u00eau c\u1ef1c, s\u1edf h\u1eefu ch\u00e9o t\u1ea1i c\u00e1c t\u1ed5 ch\u1ee9c t\u00edn d\u1ee5ng, nh\u1ea5t l\u00e0 vi\u1ec7c c\u1ea5p t\u00edn d\u1ee5ng, l\u00e3i su\u1ea5t \u01b0u \u0111\u00e3i cho ban l\u00e3nh \u0111\u1ea1o, ban \u0111i\u1ec1u h\u00e0nh v\u00e0 ng\u01b0\u1eddi c\u00f3 li\u00ean quan c\u1ee7a c\u00e1c ng\u00e2n h\u00e0ng th\u01b0\u01a1ng m\u1ea1i.<\/p>\n

\u201cT\u00ecnh tr\u1ea1ng cho vay s\u00e2n sau v\u00e0 thao t\u00fang trong ng\u00e2n h\u00e0ng \u0111\u00e3 g\u00e2y h\u1eadu qu\u1ea3 r\u1ea5t nghi\u00eam tr\u1ecdng trong th\u1eddi gian qua. \u0110\u1eb7c bi\u1ec7t, trong l\u00fac nhi\u1ec1u DN kh\u00f3 ti\u1ebfp c\u1eadn v\u1ed1n t\u00edn d\u1ee5ng, vi\u1ec7c d\u00f2ng v\u1ed1n n\u00e0y \u0111\u1ed5 v\u00e0o nh\u1eefng k\u00eanh \u0111\u1ea7u c\u01a1 v\u1eeba g\u00e2y r\u1ee7i ro cho h\u1ec7 th\u1ed1ng ng\u00e2n h\u00e0ng, v\u1eeba thu h\u1eb9p ngu\u1ed3n l\u1ef1c t\u00e0i ch\u00ednh cho c\u00e1c DN kinh doanh t\u00edch c\u1ef1c\u201d- chuy\u00ean gia kinh t\u1ebf, PGS.TS \u0110inh Tr\u1ecdng Th\u1ecbnh b\u00ecnh lu\u1eadn.<\/p>\n

Tuy nhi\u00ean, theo PGS.TS \u0110inh Tr\u1ecdng Th\u1ecbnh, vi\u1ec7c ph\u00e1t hi\u1ec7n v\u00e0 x\u1eed l\u00fd c\u00e1c h\u00e0nh vi cho vay \u201cs\u00e2n sau\u201d l\u00e0 r\u1ea5t kh\u00f3 kh\u0103n. \u0110\u01a1n c\u1eed vi\u1ec7c thao t\u00fang x\u1ea3y ra t\u1ea1i Ng\u00e2n h\u00e0ng SCB, Ch\u1ee7 t\u1ecbch V\u1ea1n Th\u1ecbnh Ph\u00e1t ch\u1ec9 \u0111\u1ea1o th\u00e0nh l\u1eadp nhi\u1ec1u c\u00f4ng ty \u201cma\u201d, thu\u00ea h\u00e0ng tr\u0103m ng\u01b0\u1eddi \u0111\u1ee9ng t\u00ean l\u1eadp kh\u1ed1ng h\u1ed3 s\u01a1 h\u01a1n 1.000 kho\u1ea3n vay. Sai ph\u1ea1m n\u00e0y di\u1ec5n ra trong th\u1eddi gian d\u00e0i m\u00e0 kh\u00f4ng \u0111\u01b0\u1ee3c ph\u00e1t hi\u1ec7n cho th\u1ea5y, v\u1eabn c\u00f3 nhi\u1ec1u th\u1ee7 \u0111o\u1ea1n tinh vi \u0111\u1ec3 \u201cl\u00e1ch\u201d c\u00e1c quy \u0111\u1ecbnh v\u00e0 c\u01a1 ch\u1ebf gi\u00e1m s\u00e1t hi\u1ec7n h\u00e0nh. Do \u0111\u00f3, PGS.TS \u0110inh Tr\u1ecdng Th\u1ecbnh cho r\u1eb1ng, b\u00ean c\u1ea1nh vi\u1ec7c c\u1ee7ng c\u1ed1 c\u00e1c quy \u0111\u1ecbnh v\u1ec1 gi\u1edbi h\u1ea1n t\u1ef7 l\u1ec7 s\u1edf h\u1eefu v\u00e0 cho vay, c\u1ea7n t\u0103ng c\u01b0\u1eddng c\u01a1 s\u1edf ph\u00e1p l\u00fd v\u1ec1 gi\u00e1m s\u00e1t ho\u1ea1t \u0111\u1ed9ng cho vay trong ng\u00e2n h\u00e0ng. \u0110\u1ed3ng th\u1eddi, t\u0103ng ch\u1ebf t\u00e0i x\u1eed ph\u1ea1t v\u1edbi c\u00e1c sai ph\u1ea1m.<\/p>\n

T\u00ecnh tr\u1ea1ng cho vay s\u00e2n sau kh\u00e1 ph\u1ed5 bi\u1ebfn \u1edf h\u1ec7 th\u1ed1ng ng\u00e2n h\u00e0ng n\u01b0\u1edbc ta kh\u00f4ng ch\u1ec9 t\u1ea1i SCB, PGS.TS Nguy\u1ec5n Th\u1ecb M\u00f9i, chuy\u00ean gia ng\u00e2n h\u00e0ng cho r\u1eb1ng, c\u1ea7n thanh tra l\u00e0m r\u00f5 t\u00ecnh h\u00ecnh cho vay n\u1ed9i b\u1ed9, cho vay s\u00e2n sau c\u1ee7a c\u00e1c \u00f4ng ch\u1ee7 ng\u00e2n h\u00e0ng hi\u1ec7n nay. Theo TS L\u00ea Xu\u00e2n Ngh\u0129a, c\u00f3 hi\u1ec7n t\u01b0\u1ee3ng s\u1edf h\u1eefu ch\u00e9o m\u00e0 thanh tra ng\u00e2n h\u00e0ng c\u00f3 th\u1ec3 nh\u00ecn th\u1ea5y, song c\u0169ng c\u00f3 nh\u1eefng bi\u1ec3u hi\u1ec7n th\u00ec ch\u1ec9 khi c\u01a1 quan an ninh \u0111i\u1ec1u tra m\u1edbi ph\u00e1t hi\u1ec7n ra \u0111\u01b0\u1ee3c. Do \u0111\u00f3, c\u00e1c chuy\u00ean gia cho r\u1eb1ng, ch\u1ec9 \u0111\u1ea1o c\u1ee7a Th\u1ee7 t\u01b0\u1edbng v\u1ec1 vi\u1ec7c x\u1eed l\u00fd c\u00e1c sai ph\u1ea1m trong cho vay s\u00e2n sau l\u00e0 ph\u00f9 h\u1ee3p \u0111\u1ec3 kh\u01a1i th\u00f4ng ngu\u1ed3n t\u00edn d\u1ee5ng v\u00e0 c\u1ea7n thi\u1ebft \u0111\u1ec3 x\u00e2y d\u1ef1ng v\u00e0 ph\u00e1t tri\u1ec3n h\u1ec7 th\u1ed1ng t\u1ed5 ch\u1ee9c t\u00edn d\u1ee5ng l\u00e0nh m\u1ea1nh v\u00e0 b\u1ec1n v\u1eefng.<\/p>\n

V\u1edbi nh\u1eefng DN c\u00f3 \u0111\u01a1n h\u00e0ng xu\u1ea5t kh\u1ea9u \u1ed5n \u0111\u1ecbnh, ph\u00eda ng\u00e2n h\u00e0ng c\u00f3 th\u1ec3 th\u1ea9m \u0111\u1ecbnh d\u00f2ng ti\u1ec1n tr\u00ean h\u00f3a \u0111\u01a1n, ki\u1ec3m to\u00e1n, b\u00e1o c\u00e1o thu\u1ebf c\u1ee7a DN \u0111\u1ea7y \u0111\u1ee7, ki\u1ebfn ngh\u1ecb h\u1ec7 th\u1ed1ng ng\u00e2n h\u00e0ng xem x\u00e9t n\u1edbi l\u1ecfng \u0111i\u1ec1u ki\u1ec7n cho vay t\u0103ng l\u00ean t\u1eeb 10 – 15% tr\u00ean t\u1ed5ng doanh thu c\u1ee7a DN.<\/em>
\nGi\u00e1m \u0111\u1ed1c C\u00f4ng ty CP T\u1eadp \u0111o\u00e0n HDC\u00a0V\u0169 C\u00f4ng Hu\u00e2n<\/strong><\/p>\n

\u0110\u1ec3 ch\u1ed1ng s\u1edf h\u1eefu ch\u00e9o, c\u1ea7n ph\u1ea3i t\u0103ng c\u01b0\u1eddng vai tr\u00f2 c\u1ee7a l\u1ef1c l\u01b0\u1ee3ng thanh tra, gi\u00e1m s\u00e1t NHNN. B\u00ean c\u1ea1nh \u0111\u00f3, t\u0103ng c\u01b0\u1eddng n\u0103ng l\u1ef1c qu\u1ea3n tr\u1ecb c\u1ee7a c\u00e1c ng\u00e2n h\u00e0ng. H\u1ec7 th\u1ed1ng ng\u00e2n h\u00e0ng c\u1ea7n ti\u1ebfn t\u1edbi \u00e1p d\u1ee5ng chu\u1ea9n m\u1ef1c qu\u1ea3n tr\u1ecb DN c\u1ee7a T\u1ed5 ch\u1ee9c H\u1ee3p t\u00e1c v\u00e0 Ph\u00e1t tri\u1ec3n kinh t\u1ebf (OECD) ho\u1eb7c Ng\u00e2n h\u00e0ng Thanh to\u00e1n qu\u1ed1c t\u1ebf \u0111\u1ec3 b\u1ea3o \u0111\u1ea3m c\u00f4ng khai, minh b\u1ea1ch, gi\u1ea3m thi\u1ec3u t\u00ecnh tr\u1ea1ng s\u1edf h\u1eefu ch\u00e9o.<\/em><\/p>\n

Gi\u00e1m \u0111\u1ed1c C\u00f4ng ty Lu\u1eadt<\/a> ANVI<\/a><\/strong> –\u00a0Lu\u1eadt s\u01b0<\/span><\/a>\u00a0<\/span>Tr\u01b0\u01a1ng Thanh \u0110\u1ee9c<\/a><\/p>\n

Th\u1ea3o Nguy\u00ean\u00a0<\/strong><\/p>\n

————-<\/em><\/p>\n

Kinh<\/em><\/strong> t\u1ebf & \u0110\u00f4 th\u1ecb<\/em><\/strong> (Kinh<\/em><\/strong> t\u1ebf<\/em><\/strong>) ng\u00e0y <\/em><\/strong>26-12<\/em><\/strong>-2023:<\/em><\/strong><\/p>\n

https:\/\/kinhtedothi.vn\/ngan-tieu-cuc-trong-dieu-hanh-tin-dung.html<\/a> <\/em><\/p>\n

(89\/1.758<\/em>)<\/em>","protected":false},"excerpt":{"rendered":"

Ng\u0103n ti\u00eau c\u1ef1c trong \u0111i\u1ec1u h\u00e0nh t\u00edn d\u1ee5ng (KT \u0110T) – Th\u1ee7 t\u01b0\u1edbng Ch\u00ednh ph\u1ee7 Ph\u1ea1m Minh Ch\u00ednh v\u1eeba ban h\u00e0nh C\u00f4ng \u0111i\u1ec7n s\u1ed1 1403\/C\u0110-TTg v\u1ec1 t\u0103ng c\u01b0\u1eddng qu\u1ea3n l\u00fd v\u00e0 n\u00e2ng cao hi\u1ec7u qu\u1ea3 \u0111i\u1ec1u h\u00e0nh t\u0103ng tr\u01b0\u1edfng t\u00edn d\u1ee5ng ph\u1ee5c v\u1ee5 t\u0103ng tr\u01b0\u1edfng kinh t\u1ebf. Trong \u0111\u00f3 nh\u1ea5n m\u1ea1nh, \u0111i\u1ec1u h\u00e0nh t\u00edn d\u1ee5ng […]<\/p>\n","protected":false},"author":1,"featured_media":38660,"comment_status":"closed","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":""},"categories":[17,26],"tags":[36],"class_list":["post-38659","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-binh-luan-gop-y","category-legal-media","tag-luat-su-ngan-hang"],"acf":[],"yoast_head":"\n3.641. Ng\u0103n ti\u00eau c\u1ef1c trong \u0111i\u1ec1u h\u00e0nh t\u00edn d\u1ee5ng - ANVI Law Firm<\/title>\n<meta name=\"description\" content=\"Ng\u0103n ti\u00eau c\u1ef1c trong \u0111i\u1ec1u h\u00e0nh t\u00edn d\u1ee5ng | Doanh nghi\u1ec7p ch\u01b0a th\u1ec3 ti\u1ebfp c\u1eadn \u0111\u1ee7 v\u1ed1n | Ch\u1eb7n ti\u00eau c\u1ef1c, l\u00e0m s\u1ea1ch h\u1ec7 th\u1ed1ng | Linh ho\u1ea1t ch\u00ednh s\u00e1ch...\" \/>\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\/3-641-ngan-tieu-cuc-trong-dieu-hanh-tin-dung\/\" \/>\n<meta property=\"og:locale\" content=\"vi_VN\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"[:vi]3.641. Ng\u0103n ti\u00eau c\u1ef1c trong \u0111i\u1ec1u h\u00e0nh t\u00edn d\u1ee5ng[:] - ANVI Law Firm\" \/>\n<meta property=\"og:description\" content=\"Ng\u0103n ti\u00eau c\u1ef1c trong \u0111i\u1ec1u h\u00e0nh t\u00edn d\u1ee5ng | Doanh nghi\u1ec7p ch\u01b0a th\u1ec3 ti\u1ebfp c\u1eadn \u0111\u1ee7 v\u1ed1n | Ch\u1eb7n ti\u00eau c\u1ef1c, l\u00e0m s\u1ea1ch h\u1ec7 th\u1ed1ng | Linh ho\u1ea1t ch\u00ednh s\u00e1ch...\" \/>\n<meta property=\"og:url\" content=\"https:\/\/anvilaw.com\/en\/3-641-ngan-tieu-cuc-trong-dieu-hanh-tin-dung\/\" \/>\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=\"2023-12-26T11:52:21+00:00\" \/>\n<meta property=\"article:modified_time\" content=\"2024-10-11T07:56:30+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/anvilaw.com\/wp-content\/uploads\/2023\/12\/Picture1-21.png\" \/>\n\t<meta property=\"og:image:width\" content=\"945\" \/>\n\t<meta property=\"og:image:height\" content=\"631\" \/>\n\t<meta property=\"og:image:type\" content=\"image\/png\" \/>\n<meta name=\"author\" content=\"administrator\" \/>\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=\"administrator\" \/>\n\t<meta name=\"twitter:label2\" content=\"\u01af\u1edbc t\u00ednh th\u1eddi gian \u0111\u1ecdc\" \/>\n\t<meta name=\"twitter:data2\" content=\"10 ph\u00fat\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\\\/\\\/schema.org\",\"@graph\":[{\"@type\":\"Article\",\"@id\":\"https:\\\/\\\/anvilaw.com\\\/en\\\/3-641-ngan-tieu-cuc-trong-dieu-hanh-tin-dung\\\/#article\",\"isPartOf\":{\"@id\":\"https:\\\/\\\/anvilaw.com\\\/en\\\/3-641-ngan-tieu-cuc-trong-dieu-hanh-tin-dung\\\/\"},\"author\":{\"name\":\"administrator\",\"@id\":\"https:\\\/\\\/anvilaw.com\\\/vi\\\/#\\\/schema\\\/person\\\/eb3eded70711d9ebee6ffdcf3118521b\"},\"headline\":\"3.641. 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