{"id":38818,"date":"2024-01-11T16:28:21","date_gmt":"2024-01-11T09:28:21","guid":{"rendered":"https:\/\/anvilaw.com\/vi\/?p=38818"},"modified":"2024-10-10T14:42:00","modified_gmt":"2024-10-10T07:42:00","slug":"3-224-tang-truong-tin-dung-bat-ngo-2023-va-ky-vong-2024","status":"publish","type":"post","link":"https:\/\/anvilaw.com\/vi\/4-224-tang-truong-tin-dung-bat-ngo-2023-va-ky-vong-2024\/","title":{"rendered":"4.224. T\u0103ng tr\u01b0\u1edfng t\u00edn d\u1ee5ng: b\u1ea5t ng\u1edd 2023 v\u00e0 k\u1ef3 v\u1ecdng 2024"},"content":{"rendered":"

T\u0103ng tr\u01b0\u1edfng t\u00edn d\u1ee5ng: b\u1ea5t ng\u1edd 2023 v\u00e0 k\u1ef3 v\u1ecdng 2024<\/span><\/h4>\n
(KTSG) \u2013 Sau s\u1ef1 b\u1ee9t t\u1ed1c c\u1ee7a t\u0103ng tr\u01b0\u1edfng t\u00edn d\u1ee5ng trong th\u00e1ng cu\u1ed1i n\u0103m 2023, Ng\u00e2n h\u00e0ng Nh\u00e0 n\u01b0\u1edbc (NHNN) \u0111\u00e3 ph\u00e2n b\u1ed5 h\u1ebft ch\u1ec9 ti\u00eau t\u0103ng tr\u01b0\u1edfng t\u00edn d\u1ee5ng n\u0103m 2024 cho c\u00e1c t\u1ed5 ch\u1ee9c t\u00edn d\u1ee5ng ngay t\u1eeb \u0111\u1ea7u n\u0103m 2024. Li\u1ec7u xu h\u01b0\u1edbng t\u00edn d\u1ee5ng n\u0103m nay c\u00f3 kh\u1edfi s\u1eafc h\u01a1n?<\/em><\/strong><\/h5>\n

\"T\u0103ng<\/p>\n

B\u1ea5t ng\u1edd th\u00e1ng cu\u1ed1i n\u0103m 2023<\/strong><\/h5>\n

Ch\u1ec9 trong th\u00e1ng cu\u1ed1i n\u0103m 2023, t\u00edn d\u1ee5ng \u0111\u00e3 t\u0103ng th\u00eam 4,56%, khi nh\u1ea3y v\u1ecdt t\u1eeb m\u1ee9c 9,15% v\u00e0o cu\u1ed1i th\u00e1ng 11-2023 l\u00ean 13,71%, theo s\u1ed1 li\u1ec7u c\u00f4ng b\u1ed1 m\u1edbi nh\u1ea5t c\u1ee7a NHNN. N\u1ebfu x\u00e9t theo s\u1ed1 tuy\u1ec7t \u0111\u1ed1i, \u0111\u00e3 c\u00f3 h\u01a1n 578.300 t\u1ec9 \u0111\u1ed3ng \u0111\u01b0\u1ee3c b\u01a1m r\u00f2ng ra n\u1ec1n kinh t\u1ebf ch\u1ec9 ri\u00eang trong th\u00e1ng 12 v\u1eeba qua, n\u00e2ng s\u1ed1 d\u01b0 n\u1ee3 t\u0103ng r\u00f2ng trong n\u0103m 2023 l\u00ean h\u01a1n 1,63 tri\u1ec7u t\u1ec9 \u0111\u1ed3ng. \u0110\u00e1ng l\u01b0u \u00fd l\u00e0 m\u1ee9c t\u0103ng tr\u01b0\u1edfng n\u00e0y g\u1ea7n nh\u01b0 ch\u1ec9 t\u1eadp trung v\u00e0o n\u1eeda cu\u1ed1i th\u00e1ng 12, \u0111\u1eb7c bi\u1ec7t l\u00e0 trong 10 ng\u00e0y cu\u1ed1i th\u00e1ng 12.<\/p>\n

C\u1ee5 th\u1ec3, theo s\u1ed1 li\u1ec7u c\u1ee7a NHNN, \u0111\u1ebfn ng\u00e0y 13-12-2023, t\u0103ng tr\u01b0\u1edfng t\u00edn d\u1ee5ng so v\u1edbi \u0111\u1ea7u n\u0103m ch\u1ec9 m\u1edbi \u0111\u1ea1t 9,87%, t\u1ee9c t\u0103ng 0,72% so v\u1edbi cu\u1ed1i th\u00e1ng 11. Ti\u1ebfp \u0111\u00f3, s\u1ed1 li\u1ec7u c\u1ee7a T\u1ed5ng c\u1ee5c Th\u1ed1ng k\u00ea cho bi\u1ebft \u0111\u1ebfn 21-12-2023 t\u0103ng tr\u01b0\u1edfng t\u00edn d\u1ee5ng \u0111\u1ea1t 11,09%, t\u1ee9c t\u0103ng 1,22% so v\u1edbi ng\u00e0y 13-12-2022. V\u00e0 v\u1edbi con s\u1ed1 v\u1ec1 \u0111\u00edch \u0111\u01b0\u1ee3c NHNN c\u00f4ng b\u1ed1 \u1edf m\u1ee9c 13,71%, cho th\u1ea5y ch\u1ec9 trong 10 ng\u00e0y cu\u1ed1i n\u0103m t\u00edn d\u1ee5ng \u0111\u00e3 t\u0103ng th\u00eam 2,62%, t\u01b0\u01a1ng \u0111\u01b0\u01a1ng v\u1edbi s\u1ed1 tuy\u1ec7t \u0111\u1ed1i h\u01a1n 312.400 t\u1ec9 \u0111\u1ed3ng.<\/p>\n

M\u1ee9c t\u0103ng tr\u01b0\u1edfng t\u00edn d\u1ee5ng ch\u1ec9 trong 10 ng\u00e0y cu\u1ed1i th\u00e1ng 12 chi\u1ebfm g\u1ea7n 20% t\u1ed5ng m\u1ee9c t\u0103ng tr\u01b0\u1edfng t\u00edn d\u1ee5ng c\u1ee7a c\u1ea3 n\u0103m 2023, cho th\u1ea5y c\u00e1c t\u1ed5 ch\u1ee9c t\u00edn d\u1ee5ng (TCTD) \u0111\u00e3 ch\u1ea1y \u0111ua cho vay trong nh\u1eefng ng\u00e0y cu\u1ed1i n\u0103m ra sao. M\u1ed9t s\u1ed1 \u00fd ki\u1ebfn cho r\u1eb1ng \u0111\u00e2y l\u00e0 d\u1ea5u hi\u1ec7u cho th\u1ea5y tri\u1ec3n v\u1ecdng t\u0103ng tr\u01b0\u1edfng kinh t\u1ebf \u0111ang h\u1ed3i ph\u1ee5c t\u1ed1t h\u01a1n gi\u00fap nhu c\u1ea7u vay v\u1ed1n t\u0103ng m\u1ea1nh tr\u1edf l\u1ea1i.<\/p>\n

Ngo\u00e0i ra, s\u1ef1 t\u0103ng t\u1ed1c cho vay c\u1ee7a c\u00e1c ng\u00e2n h\u00e0ng l\u1edbn c\u0169ng \u0111\u00e3 gi\u00fap s\u1ed1 t\u0103ng tr\u01b0\u1edfng t\u00edn d\u1ee5ng to\u00e0n ng\u00e0nh trong n\u0103m 2023 kh\u1ea3 quan h\u01a1n, d\u00f9 v\u1eabn ch\u01b0a ch\u1ea1m \u0111\u1ebfn m\u1ee5c ti\u00eau 14,5% \u0111\u01b0\u1ee3c \u0111\u1eb7t ra.<\/p>\n

\u0110\u01a1n c\u1eed nh\u01b0 Vietcombank, t\u1ea1i th\u1eddi \u0111i\u1ec3m cu\u1ed1i qu\u00ed 3-2023 t\u0103ng tr\u01b0\u1edfng t\u00edn d\u1ee5ng ch\u1ec9 m\u1edbi \u0111\u1ea1t 3,9%, nh\u01b0ng s\u1ed1 li\u1ec7u c\u00f4ng b\u1ed1 m\u1edbi \u0111\u00e2y cho th\u1ea5y d\u01b0 n\u1ee3 t\u00edn d\u1ee5ng c\u1ee7a Vietcombank \u0111\u1ebfn cu\u1ed1i n\u0103m 2023 \u1edf m\u1ee9c 1,27 tri\u1ec7u t\u1ec9 \u0111\u1ed3ng, t\u0103ng 10,6% so v\u1edbi \u0111\u1ea7u n\u0103m, t\u1ee9c ch\u1ec9 trong qu\u00ed 4-2023 \u0111\u00e3 t\u0103ng \u0111\u1ebfn 6,7%, g\u1ea5p 1,7 l\u1ea7n m\u1ee9c t\u0103ng c\u1ee7a c\u1ea3 ch\u00edn th\u00e1ng tr\u01b0\u1edbc \u0111\u00f3.<\/p>\n

N\u1ebfu nh\u01b0 nh\u1eefng n\u0103m tr\u01b0\u1edbc \u0111\u00e2y h\u1ea1n m\u1ee9c t\u0103ng tr\u01b0\u1edfng t\u00edn d\u1ee5ng \u0111\u01b0\u1ee3c giao theo t\u1eebng qu\u00ed\/n\u1eeda n\u0103m, n\u0103m nay nh\u00e0 \u0111i\u1ec1u h\u00e0nh \u0111\u00e3 ph\u00e2n b\u1ed5 h\u1ebft h\u1ea1n m\u1ee9c ngay t\u1eeb \u0111\u1ea7u n\u0103m, nh\u1eb1m t\u1ea1o \u0111i\u1ec1u ki\u1ec7n thu\u1eadn l\u1ee3i cho c\u00e1c TCTD cung \u1ee9ng v\u1ed1n \u0111\u00e1p \u1ee9ng nhu c\u1ea7u t\u0103ng tr\u01b0\u1edfng kinh t\u1ebf, \u0111\u1ed3ng th\u1eddi c\u0169ng y\u00eau c\u1ea7u c\u00e1c TCTD ph\u1ea3i ki\u1ec3m so\u00e1t t\u0103ng tr\u01b0\u1edfng t\u00edn d\u1ee5ng theo m\u1ee5c ti\u00eau \u0111\u01b0\u1ee3c giao.<\/em><\/p>\n

Hay nh\u01b0 BIDV ch\u00edn th\u00e1ng \u0111\u1ea7u n\u0103m 2023 d\u01b0 n\u1ee3 t\u00edn d\u1ee5ng t\u0103ng 8,6%, nh\u01b0ng k\u1ebft th\u00fac n\u0103m ghi nh\u1eadn m\u1ee9c t\u0103ng g\u1ea7n 16,7%. T\u1ea1i VietinBank, hai con s\u1ed1 n\u00e0y l\u1ea7n l\u01b0\u1ee3t l\u00e0 8,7% v\u00e0 15%. C\u00f2n \u1edf Agribank, t\u1ed5ng d\u01b0 n\u1ee3 cho vay cu\u1ed1i n\u0103m 2023 \u0111\u1ea1t tr\u00ean 1,55 tri\u1ec7u t\u1ec9 \u0111\u1ed3ng, t\u0103ng 7,4% so v\u1edbi \u0111\u1ea7u n\u0103m, trong khi v\u00e0o cu\u1ed1i th\u00e1ng 6-2023 d\u01b0 n\u1ee3 cho vay ch\u1ec9 m\u1edbi t\u0103ng v\u1ecfn v\u1eb9n 1,25% v\u00e0 cu\u1ed1i th\u00e1ng 9-2023 t\u0103ng ch\u01b0a t\u1edbi 3,5%.<\/p>\n

L\u00e0 nh\u00f3m ng\u00e2n h\u00e0ng c\u00f3 th\u1ebf m\u1ea1nh cho vay \u1edf ph\u00e2n kh\u00fac kh\u00e1ch h\u00e0ng doanh nghi\u1ec7p nh\u00e0 n\u01b0\u1edbc, c\u00e1c d\u1ef1 \u00e1n \u0111\u1ea7u t\u01b0 c\u00f4ng, c\u00f3 th\u1ec3 th\u1ea5y di\u1ec5n bi\u1ebfn t\u0103ng tr\u01b0\u1edfng t\u00edn d\u1ee5ng m\u1ea1nh m\u1ebd trong giai \u0111o\u1ea1n cu\u1ed1i n\u0103m c\u1ee7a nh\u00f3m ng\u00e2n h\u00e0ng th\u01b0\u01a1ng m\u1ea1i g\u1ed1c qu\u1ed1c doanh kh\u00e1 t\u01b0\u01a1ng \u0111\u1ed3ng v\u1edbi xu th\u1ebf v\u1ed1n gi\u1ea3i ng\u00e2n cho c\u00e1c d\u1ef1 \u00e1n \u0111\u1ea7u t\u01b0 c\u00f4ng \u2013 t\u0103ng t\u1ed1c trong nh\u1eefng th\u00e1ng cu\u1ed1i n\u0103m.<\/p>\n

Tuy nhi\u00ean, th\u00f4ng l\u1ec7 nhi\u1ec1u n\u0103m qua c\u0169ng cho th\u1ea5y giai \u0111o\u1ea1n cu\u1ed1i n\u0103m ho\u1ea1t \u0111\u1ed9ng t\u00edn d\u1ee5ng th\u01b0\u1eddng c\u00f3 s\u1ef1 t\u0103ng v\u1ecdt, khi c\u00e1n b\u1ed9 nh\u00e2n vi\u00ean ng\u00e2n h\u00e0ng th\u01b0\u1eddng t\u0103ng t\u1ed1c cho vay \u0111\u1ec3 ch\u1ea1y KPI cu\u1ed1i n\u0103m. Trong khi \u0111\u00f3, ch\u00ednh c\u00e1c ng\u00e2n h\u00e0ng c\u0169ng t\u00ecm c\u00e1ch \u0111\u1ea9y s\u1ed1 d\u01b0 n\u1ee3 cu\u1ed1i n\u0103m l\u00ean cao b\u1eb1ng nhi\u1ec1u c\u00f4ng c\u1ee5, nh\u1eb1m t\u1ea1o d\u01b0 \u0111\u1ecba t\u0103ng tr\u01b0\u1edfng t\u00edn d\u1ee5ng cho n\u0103m sau. Hi\u1ec7n s\u1ed1 d\u01b0 n\u1ee3 t\u00edn d\u1ee5ng cu\u1ed1i n\u0103m l\u00e0 m\u1ed9t trong nh\u1eefng c\u01a1 s\u1edf \u0111\u1ec3 x\u00e1c \u0111\u1ecbnh h\u1ea1n m\u1ee9c ph\u00e2n b\u1ed5 t\u0103ng tr\u01b0\u1edfng t\u00edn d\u1ee5ng cho n\u0103m k\u1ebf ti\u1ebfp c\u1ee7a t\u1eebng ng\u00e2n h\u00e0ng.<\/p>\n

Do \u0111\u00f3, c\u00f3 th\u1ec3 n\u00f3i s\u1ed1 d\u01b0 n\u1ee3 t\u00edn d\u1ee5ng t\u0103ng th\u00eam trong nh\u1eefng ng\u00e0y cu\u1ed1i n\u0103m \u00edt mang y\u1ebfu t\u1ed1 th\u1ef1c ch\u1ea5t, b\u1ec1n v\u1eefng, khi d\u00f2ng thu nh\u1eadp t\u1eeb l\u00e3i vay \u0111\u00f3ng g\u00f3p v\u00e0o ch\u00ednh n\u0103m \u0111\u00f3 r\u1ea5t khi\u00eam t\u1ed1n. Nh\u01b0ng b\u00f9 l\u1ea1i, s\u1ed1 d\u01b0 n\u1ee3 t\u00edn d\u1ee5ng t\u0103ng th\u00eam trong th\u1eddi gian ng\u1eafn n\u00e0y s\u1ebd gi\u00fap c\u00e1c ng\u00e2n h\u00e0ng l\u00e0m \u0111\u1eb9p s\u1ed5 s\u00e1ch h\u01a1n, t\u1eeb vi\u1ec7c ho\u00e0n th\u00e0nh \u0111\u01b0\u1ee3c ch\u1ec9 ti\u00eau t\u0103ng tr\u01b0\u1edfng t\u00edn d\u1ee5ng, cho \u0111\u1ebfn k\u00e9o t\u1ef7 l\u1ec7 n\u1ee3 x\u1ea5u xu\u1ed1ng m\u1ee9c th\u1ea5p h\u01a1n tr\u00ean b\u00e1o c\u00e1o t\u00e0i ch\u00ednh.<\/p>\n

2024 s\u1ebd kh\u1edfi s\u1eafc h\u01a1n?<\/strong><\/h5>\n

Sau k\u1ebft qu\u1ea3 t\u00edch c\u1ef1c c\u1ee7a t\u0103ng tr\u01b0\u1edfng t\u00edn d\u1ee5ng trong th\u00e1ng cu\u1ed1i n\u0103m 2023, NHNN \u0111\u00e3 nhanh ch\u00f3ng giao ch\u1ec9 ti\u00eau t\u0103ng tr\u01b0\u1edfng t\u00edn d\u1ee5ng n\u0103m 2024 cho c\u00e1c TCTD, qua V\u0103n b\u1ea3n 10167\/NHNN-CSTT ban h\u00e0nh ng\u00e0y 31-12-2023 g\u1eedi c\u00e1c TCTD, v\u1edbi \u0111\u1ecbnh h\u01b0\u1edbng k\u1ebf ho\u1ea1ch t\u0103ng tr\u01b0\u1edfng t\u00edn d\u1ee5ng c\u1ee7a n\u1ec1n kinh t\u1ebf n\u0103m 2024 l\u00e0 15%. D\u01b0 n\u1ee3 t\u00edn d\u1ee5ng to\u00e0n ng\u00e0nh cu\u1ed1i n\u0103m 2023 \u1edf g\u1ea7n 13,56 tri\u1ec7u t\u1ec9 \u0111\u1ed3ng, nh\u01b0 v\u1eady theo k\u1ebf ho\u1ea1ch n\u00e0y s\u1ebd c\u00f3 th\u00eam h\u01a1n 2 tri\u1ec7u t\u1ec9 \u0111\u1ed3ng \u0111\u01b0\u1ee3c b\u01a1m ra n\u1ec1n kinh t\u1ebf trong n\u0103m nay.<\/p>\n

\u0110\u1eb7c bi\u1ec7t, n\u1ebfu nh\u01b0 nh\u1eefng n\u0103m tr\u01b0\u1edbc \u0111\u00e2y h\u1ea1n m\u1ee9c t\u0103ng tr\u01b0\u1edfng t\u00edn d\u1ee5ng \u0111\u01b0\u1ee3c giao theo t\u1eebng qu\u00ed\/n\u1eeda n\u0103m, n\u0103m nay nh\u00e0 \u0111i\u1ec1u h\u00e0nh \u0111\u00e3 ph\u00e2n b\u1ed5 h\u1ebft h\u1ea1n m\u1ee9c ngay t\u1eeb \u0111\u1ea7u n\u0103m, nh\u1eb1m t\u1ea1o \u0111i\u1ec1u ki\u1ec7n thu\u1eadn l\u1ee3i cho c\u00e1c TCTD cung \u1ee9ng ngu\u1ed3n v\u1ed1n t\u00edn d\u1ee5ng \u0111\u00e1p \u1ee9ng nhu c\u1ea7u t\u0103ng tr\u01b0\u1edfng kinh t\u1ebf, \u0111\u1ed3ng th\u1eddi c\u0169ng y\u00eau c\u1ea7u c\u00e1c TCTD ph\u1ea3i ki\u1ec3m so\u00e1t t\u0103ng tr\u01b0\u1edfng t\u00edn d\u1ee5ng theo m\u1ee5c ti\u00eau \u0111\u01b0\u1ee3c giao.<\/p>\n

Theo \u0111\u1ea1i di\u1ec7n c\u1ee7a NHNN, vi\u1ec7c giao ch\u1ec9 ti\u00eau t\u0103ng tr\u01b0\u1edfng t\u00edn d\u1ee5ng m\u1ed9t l\u1ea7n ngay t\u1eeb \u0111\u1ea7u n\u0103m cho c\u00e1c TCTD l\u00e0 b\u1edfi nh\u1eadn \u0111\u1ecbnh kh\u00f3 kh\u0103n c\u1ee7a n\u0103m 2024 v\u1eabn s\u1ebd ti\u1ebfp di\u1ec5n. Ng\u00e2n h\u00e0ng trung \u01b0\u01a1ng c\u00e1c n\u01b0\u1edbc v\u1eabn ch\u01b0a h\u1ea1 l\u00e3i su\u1ea5t, kh\u1ea3 n\u0103ng suy tho\u00e1i nh\u1eb9 c\u1ee7a c\u00e1c n\u1ec1n kinh t\u1ebf l\u00e0 c\u00f3 th\u1ec3 x\u1ea3y ra. Nhu c\u1ea7u c\u1ee7a to\u00e0n c\u1ea7u s\u1ebd gi\u1ea3m d\u1eabn \u0111\u1ebfn xu\u1ea5t kh\u1ea9u gi\u1ea3m, t\u00e1c \u0111\u1ed9ng r\u1ea5t l\u1edbn \u0111\u1ebfn n\u1ec1n kinh t\u1ebf c\u00f3 \u0111\u1ed9 m\u1edf l\u1edbn nh\u01b0 Vi\u1ec7t Nam. V\u1edbi xu h\u01b0\u1edbng t\u1ed5ng c\u1ea7u ti\u1ebfp t\u1ee5c suy gi\u1ea3m trong n\u0103m 2024, NHNN cho r\u1eb1ng c\u1ea7n c\u00f3 bi\u1ec7n ph\u00e1p th\u00fac \u0111\u1ea9y n\u1ec1n kinh t\u1ebf th\u00f4ng qua vi\u1ec7c giao ngay m\u1ee9c t\u0103ng tr\u01b0\u1edfng t\u00edn d\u1ee5ng t\u1eeb \u0111\u1ea7u n\u0103m \u0111\u1ec3 c\u1ed1 g\u1eafng th\u00fac \u0111\u1ea9y t\u1ed5ng c\u1ea7u.<\/p>\n

N\u1ec1n kinh t\u1ebf Vi\u1ec7t Nam \u0111\u01b0\u1ee3c d\u1ef1 b\u00e1o s\u1ebd ph\u1ee5c h\u1ed3i t\u1ed1t h\u01a1n trong n\u0103m nay, v\u1edbi m\u1ee5c ti\u00eau t\u0103ng tr\u01b0\u1edfng GDP \u0111\u1eb7t ra \u1edf 6-6,5%, k\u1ef3 v\u1ecdng th\u00fac \u0111\u1ea9y nhu c\u1ea7u v\u1ed1n t\u0103ng m\u1ea1nh h\u01a1n, t\u1eeb \u0111\u00f3 gi\u00fap t\u0103ng tr\u01b0\u1edfng t\u00edn d\u1ee5ng c\u0169ng s\u1ebd kh\u1edfi s\u1eafc h\u01a1n. \u0110i\u1ec1u quan tr\u1ecdng h\u01a1n l\u00e0 v\u1edbi l\u00e3i su\u1ea5t cho vay d\u1ef1 ki\u1ebfn s\u1ebd ti\u1ebfp t\u1ee5c v\u1ec1 m\u1ee9c ph\u00f9 h\u1ee3p h\u01a1n, khi chi ph\u00ed c\u1ee7a c\u00e1c ng\u00e2n h\u00e0ng v\u1eabn \u0111ang trong l\u1ed9 tr\u00ecnh \u0111i xu\u1ed1ng nh\u1edd c\u00e1c kho\u1ea3n ti\u1ec1n g\u1eedi th\u1eddi k\u1ef3 l\u00e3i su\u1ea5t cao \u0111ang ti\u1ebfp t\u1ee5c \u0111\u00e1o h\u1ea1n d\u1ea7n. Chi ph\u00ed l\u00e3i vay h\u1ee3p l\u00fd h\u01a1n s\u1ebd k\u00edch th\u00edch nhu c\u1ea7u vay v\u1ed1n \u0111\u1ea7u t\u01b0 v\u00e0 ti\u00eau d\u00f9ng.<\/p>\n

Trong b\u1ed1i c\u1ea3nh c\u00e1c ng\u00e2n h\u00e0ng v\u1eabn \u0111ang trong t\u00ecnh tr\u1ea1ng th\u1eeba v\u1ed1n, c\u00e1c ng\u00e2n h\u00e0ng c\u00f3 th\u1ec3 t\u00edch c\u1ef1c cho vay h\u01a1n \u0111\u1ec3 t\u1ed1i \u01b0u h\u00f3a hi\u1ec7u qu\u1ea3 s\u1eed d\u1ee5ng v\u1ed1n. D\u00f9 v\u1eady, v\u1edbi r\u1ee7i ro n\u1ee3 x\u1ea5u v\u1eabn cao, c\u00e1c ng\u00e2n h\u00e0ng c\u0169ng s\u1ebd ph\u1ea3i t\u1eadp trung ki\u1ec3m so\u00e1t n\u1ee3 x\u1ea5u v\u00e0 thu h\u1ed3i n\u1ee3, ph\u1ea7n n\u00e0o \u1ea3nh h\u01b0\u1edfng \u0111\u1ebfn ch\u00ednh s\u00e1ch ph\u00e1t tri\u1ec3n cho vay c\u0169ng nh\u01b0 t\u1ed1c \u0111\u1ed9 t\u0103ng tr\u01b0\u1edfng d\u01b0 n\u1ee3 m\u1edbi c\u1ee7a c\u00e1c ng\u00e2n h\u00e0ng.<\/p>\n

C\u0169ng c\u1ea7n l\u01b0u \u00fd, nh\u1eadn \u0111\u1ecbnh xu h\u01b0\u1edbng t\u0103ng tr\u01b0\u1edfng t\u00edn d\u1ee5ng \u201ckh\u1edfi s\u1eafc h\u01a1n\u201d \u1edf \u0111\u00e2y h\u00e0m \u00fd t\u0103ng tr\u01b0\u1edfng t\u00edn d\u1ee5ng s\u1ebd c\u00f3 xu h\u01b0\u1edbng t\u00edch c\u1ef1c xuy\u00ean su\u1ed1t trong n\u0103m, \u0111\u00f3ng g\u00f3p t\u00edch c\u1ef1c h\u01a1n v\u00e0o t\u0103ng tr\u01b0\u1edfng c\u1ee7a n\u1ec1n kinh t\u1ebf v\u00e0 ho\u1ea1t \u0111\u1ed9ng c\u1ee7a c\u00e1c doanh nghi\u1ec7p, ch\u1ee9 kh\u00f4ng ph\u1ea3i tr\u00ec tr\u1ec7 l\u00fac \u0111\u1ea7u r\u1ed3i t\u0103ng v\u1ecdt \u0111\u1ec3 b\u00f9 \u0111\u1eafp khi v\u1ec1 cu\u1ed1i n\u0103m, v\u00e0 d\u00f2ng v\u1ed1n l\u1ea1i \u0111\u01b0\u1ee3c r\u00f3t v\u00e0o c\u00e1c khu v\u1ef1c kh\u00f4ng \u0111\u01b0\u1ee3c khuy\u1ebfn kh\u00edch.<\/p>\n

Trong khi \u0111\u00f3, d\u00f9 \u0111\u00e3 nh\u1eadn \u0111\u01b0\u1ee3c ch\u1ec9 ti\u00eau t\u0103ng tr\u01b0\u1edfng t\u00edn d\u1ee5ng ph\u00e2n b\u1ed5 ngay t\u1eeb \u0111\u1ea7u n\u0103m, nh\u01b0ng c\u0169ng kh\u00f4ng lo\u1ea1i tr\u1eeb kh\u1ea3 n\u0103ng d\u01b0 n\u1ee3 t\u00edn d\u1ee5ng trong c\u00e1c th\u00e1ng qu\u00ed 1-2024 v\u1eabn ch\u1ee9ng ki\u1ebfn m\u1ee9c t\u0103ng tr\u01b0\u1edfng \u00e2m. Ngo\u00e0i \u1ea3nh h\u01b0\u1edfng b\u1edfi y\u1ebfu t\u1ed1 m\u00f9a v\u1ee5 khi nhu c\u1ea7u vay v\u1ed1n c\u00e1c th\u00e1ng tr\u01b0\u1edbc v\u00e0 sau T\u1ebft Nguy\u00ean \u0111\u00e1n th\u01b0\u1eddng r\u1ea5t th\u1ea5p, kh\u00e1ch h\u00e0ng c\u00f3 xu h\u01b0\u1edbng tr\u1ea3 n\u1ee3 h\u01a1n l\u00e0 \u0111i vay, ph\u1ea7n d\u01b0 n\u1ee3 t\u0103ng v\u1ecdt trong th\u00e1ng cu\u1ed1i n\u0103m 2023 v\u1eeba qua mang t\u00ednh ng\u1eafn h\u1ea1n c\u00f3 y\u1ebfu t\u1ed1 kh\u00f4ng b\u1ec1n v\u1eefng, n\u00ean c\u00f3 th\u1ec3 c\u0169ng s\u1ebd ti\u1ebfp t\u1ee5c \u1ea3nh h\u01b0\u1edfng l\u00ean t\u0103ng tr\u01b0\u1edfng t\u00edn d\u1ee5ng c\u00e1c th\u00e1ng \u0111\u1ea7u n\u0103m 2024.<\/p>\n

Cu\u1ed1i c\u00f9ng, v\u1edbi m\u1ee5c ti\u00eau t\u0103ng tr\u01b0\u1edfng GDP n\u0103m nay \u1edf m\u1ee9c 6-6,5%, t\u0103ng tr\u01b0\u1edfng t\u00edn d\u1ee5ng 15%, n\u1ebfu ho\u00e0n th\u00e0nh h\u1ebft hai chi ti\u00eau n\u00e0y, t\u1ef7 l\u1ec7 d\u01b0 n\u1ee3\/GDP cu\u1ed1i n\u0103m 2024 c\u00f3 th\u1ec3 ti\u1ebfp t\u1ee5c leo l\u00ean m\u1ee9c 143-144%. \u0110\u00e2y l\u00e0 m\u1ee9c kh\u00e1 cao v\u00e0 c\u00f3 th\u1ec3 d\u1eabn \u0111\u1ebfn ti\u1ec1m \u1ea9n r\u1ee7i ro v\u0129 m\u00f4, nh\u01b0 c\u1ea3nh b\u00e1o m\u00e0 Ng\u00e2n h\u00e0ng Th\u1ebf gi\u1edbi (WB) t\u1eebng \u0111\u01b0a ra tr\u01b0\u1edbc \u0111\u00e2y.<\/p>\n

PGS.TS. \u0110inh Tr\u1ecdng Th\u1ecbnh, Gi\u1ea3ng vi\u00ean cao c\u1ea5p, H\u1ecdc vi\u1ec7n T\u00e0i ch\u00ednh:<\/strong><\/h5>\n
V\u00ec sao room t\u00edn d\u1ee5ng n\u0103m 2024 l\u00e0 15%?<\/strong><\/h5>\n

Kh\u00e1c v\u1edbi c\u00e1c qu\u1ed1c gia c\u00f3 n\u1ec1n kinh t\u1ebf v\u00e0 th\u1ecb tr\u01b0\u1eddng t\u00e0i ch\u00ednh t\u00edn d\u1ee5ng ph\u00e1t tri\u1ec3n, ngu\u1ed3n cung \u1ee9ng v\u1ed1n cho doanh nghi\u1ec7p Vi\u1ec7t Nam \u0111a ph\u1ea7n \u0111\u1ebfn t\u1eeb t\u00edn d\u1ee5ng ng\u00e2n h\u00e0ng th\u01b0\u01a1ng m\u1ea1i (NHTM), chi\u1ebfm kho\u1ea3ng 70%. \u1ede \u0111i\u1ec1u ki\u1ec7n b\u00ecnh th\u01b0\u1eddng \u0111\u00e3 v\u1eady, trong n\u0103m 2024, c\u00e1c ngu\u1ed3n huy \u0111\u1ed9ng v\u1ed1n d\u00e0i h\u1ea1n t\u1eeb th\u1ecb tr\u01b0\u1eddng ch\u1ee9ng kho\u00e1n (TTCK) v\u00e0 th\u1ecb tr\u01b0\u1eddng tr\u00e1i phi\u1ebfu doanh (TPDN) nghi\u1ec7p, \u0111\u1eb7c bi\u1ec7t l\u00e0 TPDN ri\u00eang l\u1ebb ch\u01b0a th\u1ec3 ph\u1ee5c h\u1ed3i.<\/p>\n

\u0110\u1ed1i v\u1edbi TTCK, d\u00f9 xu h\u01b0\u1edbng chung l\u00e0 t\u0103ng nh\u01b0ng th\u1ecb tr\u01b0\u1eddng tr\u1ea7m l\u1eafng, bi\u00ean \u0111\u1ed9 t\u0103ng gi\u1ea3m l\u1edbn. V\u1eady n\u00ean, doanh nghi\u1ec7p kh\u00f3 th\u1ef1c hi\u1ec7n k\u1ebf ho\u1ea1ch ph\u00e1t h\u00e0nh th\u00eam c\u1ed5 phi\u1ebfu, doanh nghi\u1ec7p \u0111\u00e3 IPO v\u1eabn d\u1eebng l\u1ea1i, kh\u00f4ng ti\u1ebfp t\u1ee5c b\u00e1n c\u1ed5 phi\u1ebfu tr\u00ean th\u1ecb tr\u01b0\u1eddng.<\/p>\n

Th\u1ecb tr\u01b0\u1eddng TPDN c\u0169ng kh\u00f4ng kh\u1ea3 quan h\u01a1n. Trong n\u0103m 2023, d\u00f9 \u00e1p d\u1ee5ng Ngh\u1ecb \u0111\u1ecbnh 08\/2023, l\u01b0\u1ee3ng ph\u00e1t h\u00e0nh tr\u00e1i phi\u1ebfu ri\u00eang l\u1ebb \u0111\u1ea1t kho\u1ea3ng 246.000 t\u1ec9 \u0111\u1ed3ng, gi\u1ea3m 35,6% so v\u1edbi n\u0103m 2022. M\u1ed9t s\u1ed1 \u0111i\u1ec1u kho\u1ea3n h\u1ed7 tr\u1ee3 th\u1ecb tr\u01b0\u1eddng TPDN theo Ngh\u1ecb \u0111\u1ecbnh 08\/2023 h\u1ebft hi\u1ec7u l\u1ef1c t\u1eeb 1-1-2024 n\u00ean nhi\u1ec1u kh\u1ea3 n\u0103ng, t\u00ecnh h\u00ecnh th\u1ecb tr\u01b0\u1eddng TPDN c\u00f3 th\u1ec3 kh\u00f3 kh\u0103n h\u01a1n n\u0103m 2023.<\/p>\n

V\u1eady n\u00ean, trong n\u0103m nay, doanh nghi\u1ec7p s\u1ebd ch\u1ee7 y\u1ebfu tr\u00f4ng ch\u1edd v\u00e0o ngu\u1ed3n t\u00edn d\u1ee5ng t\u1eeb NHTM \u0111\u1ec3 \u0111\u00e1p \u1ee9ng nhu c\u1ea7u s\u1ea3n xu\u1ea5t kinh doanh v\u00e0 b\u1ed5 sung v\u1ed1n l\u01b0u \u0111\u1ed9ng. C\u00e1c nh\u00e0 \u0111i\u1ec1u h\u00e0nh quy\u1ebft \u0111\u1ecbnh m\u1ee9c t\u0103ng tr\u01b0\u1edfng t\u00edn d\u1ee5ng cao h\u01a1n m\u1ecdi n\u0103m, c\u00f3 l\u1ebd, ch\u00ednh v\u00ec l\u00fd do n\u00e0y.<\/p>\n

T\u1ea5t nhi\u00ean, kh\u1ea3 n\u0103ng h\u1ea5p th\u1ee5 v\u1ed1n c\u1ee7a n\u1ec1n kinh t\u1ebf l\u1ea1i l\u00e0 m\u1ed9t c\u00e2u chuy\u1ec7n kh\u00e1c. Trong nh\u1eefng th\u00e1ng cu\u1ed1i n\u0103m 2023, \u0111\u00e3 c\u00f3 m\u1ed9t s\u1ed1 t\u00edn hi\u1ec7u kh\u1ea3 quan cho n\u1ec1n kinh t\u1ebf. S\u1ed1 doanh nghi\u1ec7p th\u00e0nh l\u1eadp m\u1edbi qu\u00ed 4-2023 l\u00e0 42.952 doanh nghi\u1ec7p, t\u0103ng 20,2% so v\u1edbi c\u00f9ng k\u1ef3 n\u0103m 2022, g\u1ea5p 1,3 l\u1ea7n so v\u1edbi m\u1ee9c b\u00ecnh qu\u00e2n theo qu\u00ed giai \u0111o\u1ea1n 2017-2022. T\u1eeb th\u00e1ng 9-2023, \u0111\u01a1n h\u00e0ng cho c\u00e1c ng\u00e0nh xu\u1ea5t kh\u1ea9u ch\u1ee7 l\u1ef1c c\u1ee7a Vi\u1ec7t Nam nh\u01b0 d\u1ec7t may, \u0111\u1ed3 g\u1ed7 kh\u1ea3 quan h\u01a1n. Kh\u1ea3o s\u00e1t c\u1ee7a T\u1ed5ng c\u1ee5c Th\u1ed1ng k\u00ea v\u1ec1 t\u00ecnh h\u00ecnh \u0111\u01a1n h\u00e0ng xu\u1ea5t kh\u1ea9u n\u0103m 2024 cho th\u1ea5y, 22% s\u1ed1 c\u00f4ng ty \u0111\u01b0\u1ee3c h\u1ecfi kh\u1eb3ng \u0111\u1ecbnh s\u1ed1 \u0111\u01a1n h\u00e0ng xu\u1ea5t kh\u1ea9u m\u1edbi cao h\u01a1n; 45% s\u1ed1 c\u00f4ng ty c\u00f3 \u0111\u01a1n h\u00e0ng xu\u1ea5t kh\u1ea9u m\u1edbi \u1ed5n \u0111\u1ecbnh v\u00e0 33% s\u1ed1 c\u00f4ng ty c\u00f3 \u0111\u01a1n h\u00e0ng xu\u1ea5t kh\u1ea9u m\u1edbi gi\u1ea3m. V\u1ec1 ti\u00eau d\u00f9ng n\u1ed9i \u0111\u1ecba, trong n\u0103m 2023, t\u1ed5ng m\u1ee9c b\u00e1n l\u1ebb h\u00e0ng h\u00f3a v\u00e0 doanh thu d\u1ecbch v\u1ee5 ti\u00eau d\u00f9ng t\u0103ng 9,6% so v\u1edbi n\u0103m 2022. \u0110\u00e2y l\u00e0 nh\u1eefng c\u01a1 s\u1edf \u0111\u1ec3 tin t\u01b0\u1edfng r\u1eb1ng, t\u00ecnh h\u00ecnh kinh t\u1ebf n\u0103m 2024 s\u1ebd s\u00e1ng s\u1ee7a h\u01a1n, doanh nghi\u1ec7p d\u1ea7n tr\u1edf l\u1ea1i nh\u1ecbp \u0111\u1ed9 s\u1ea3n xu\u1ea5t kinh doanh b\u00ecnh th\u01b0\u1eddng v\u00e0 kh\u1ea3 n\u0103ng h\u1ea5p th\u1ee5 m\u1ee9c t\u0103ng tr\u01b0\u1edfng t\u00edn d\u1ee5ng 15% l\u00e0 h\u1eefu kh\u1ea3.<\/p>\n

T\u1ea5t nhi\u00ean, \u0111\u1ec3 c\u00f3 th\u1ec3 ti\u1ebfp c\u1eadn t\u1ed1t ngu\u1ed3n t\u00edn d\u1ee5ng, doanh nghi\u1ec7p ph\u1ea3i t\u1ef1 m\u00ecnh v\u01b0\u01a1n l\u00ean \u0111\u00e1p \u1ee9ng c\u00e1c \u0111i\u1ec1u ki\u1ec7n cho vay c\u1ee7a NHTM. Trong b\u1ed1i c\u1ea3nh c\u00e1c doanh nghi\u1ec7p kh\u00f3 kh\u0103n v\u1ec1 t\u00e0i s\u1ea3n th\u1ebf ch\u1ea5p, c\u00e1c NHTM n\u00ean c\u00e2n nh\u1eafc xem x\u00e9t cho vay theo d\u1ef1 \u00e1n hay cho vay theo d\u00f2ng ti\u1ec1n.<\/p>\n

\u0110\u1ed1i v\u1edbi cho vay theo d\u1ef1 \u00e1n, c\u00e1c doanh nghi\u1ec7p ph\u1ea3i tr\u00ecnh ra \u0111\u01b0\u1ee3c d\u1ef1 \u00e1n t\u1ed1t, th\u1ecb tr\u01b0\u1eddng ti\u00eau th\u1ee5, c\u00f3 k\u1ebf ho\u1ea1ch kinh doanh c\u1ee5 th\u1ec3, ph\u01b0\u01a1ng \u00e1n thu h\u1ed3i v\u1ed1n r\u00f5 r\u00e0ng\u2026, tr\u00ean c\u01a1 s\u1edf \u0111\u00f3, ng\u00e2n h\u00e0ng ph\u1ea3i t\u00edch c\u1ef1c ti\u1ebfp c\u1eadn d\u1ef1 \u00e1n, th\u1ea9m \u0111\u1ecbnh m\u1ed9t c\u00e1ch k\u1ef9 l\u01b0\u1ee1ng, n\u1ebfu \u0111\u00e1p \u1ee9ng ti\u00eau chu\u1ea9n cho vay th\u00ec s\u1ebd ch\u1ea5p thu\u1eadn v\u00e0 gi\u1ea3i ng\u00e2n.<\/p>\n

\u0110\u1ed1i v\u1edbi cho vay theo d\u00f2ng ti\u1ec1n, d\u1ef1a v\u00e0o k\u1ebf ho\u1ea1ch s\u1ea3n xu\u1ea5t kinh doanh v\u00e0 ti\u00eau th\u1ee5 h\u00e0ng h\u00f3a c\u1ee7a doanh nghi\u1ec7p, c\u00e1c ng\u00e2n h\u00e0ng s\u1ebd c\u00e2n nh\u1eafc c\u1ea5p t\u00edn d\u1ee5ng. Khi ng\u00e2n h\u00e0ng m\u1edf r\u1ed9ng d\u1ea7n cho vay theo d\u1ef1 \u00e1n v\u00e0 cho vay theo d\u00f2ng ti\u1ec1n ra, th\u00ec cho vay th\u1ebf ch\u1ea5p v\u00e0 v\u01b0\u1edbng m\u1eafc v\u1ec1 t\u00e0i s\u1ea3n th\u1ebf ch\u1ea5p s\u1ebd gi\u1ea3m b\u1edbt.<\/p>\n

Lu\u1eadt s\u01b0<\/span><\/a>\u00a0<\/span><\/a>Tr\u01b0\u01a1ng Thanh \u0110\u1ee9c<\/a>, Gi\u00e1m \u0111\u1ed1c <\/a>C\u00f4ng ty Lu\u1eadt<\/a>ANVI<\/a>:<\/em><\/strong><\/h5>\n
T\u0103ng tr\u01b0\u1edfng t\u00edn d\u1ee5ng c\u0169ng t\u1ed1t, nh\u01b0ng t\u0103ng tr\u01b0\u1edfng an to\u00e0n m\u1edbi l\u00e0 s\u1ed1ng c\u00f2n!<\/em><\/strong><\/h5>\n

Nh\u1eefng bi\u1ebfn s\u1ed1 b\u1ea5t ng\u1edd \u1ea3nh h\u01b0\u1edfng t\u1edbi s\u1ee9c h\u1ea5p th\u1ee5 v\u1ed1n c\u1ee7a n\u1ec1n kinh t\u1ebf v\u1eabn t\u1ed3n t\u1ea1i trong n\u0103m 2024. Trong vi\u1ec5n c\u1ea3nh l\u1ea1c quan, n\u1ebfu cu\u1ed9c xung \u0111\u1ed9t qu\u00e2n s\u1ef1 t\u1ea1i Ukraine v\u1edbi Nga ch\u1ea5m d\u1ee9t, th\u1ecb tr\u01b0\u1eddng b\u1ea5t \u0111\u1ed9ng s\u1ea3n trong n\u01b0\u1edbc ph\u00e1 b\u0103ng, kh\u00e1ch du l\u1ecbch Trung Qu\u1ed1c tr\u1edf l\u1ea1i nh\u01b0 tr\u01b0\u1edbc d\u1ecbch Covid-19\u2026, n\u1ec1n kinh t\u1ebf c\u00f3 th\u1ec3 ph\u1ee5c h\u1ed3i m\u1ea1nh, th\u00ec nhu c\u1ea7u v\u1ed1n s\u1ebd r\u1ea5t cao.<\/em><\/p>\n

Trong tr\u01b0\u1eddng h\u1ee3p ng\u01b0\u1ee3c l\u1ea1i, n\u1ebfu nh\u1eefng b\u1ebf t\u1eafc kh\u00f4ng \u0111\u01b0\u1ee3c kh\u01a1i th\u00f4ng, kh\u00f4ng c\u00f3 s\u1eeda \u0111\u1ed5i trong lu\u1eadt n\u00e0o \u0111\u00e1ng k\u1ec3 v\u00e0 c\u00f3 hi\u1ec7u l\u1ef1c, th\u1ecb tr\u01b0\u1eddng kh\u00f4ng c\u00f3 \u0111i\u1ec3m s\u00e1ng n\u00e0o\u2026, th\u00ec ho\u1ea1t \u0111\u1ed9ng s\u1ea3n xu\u1ea5t kinh doanh c\u1ee7a c\u00e1c doanh nghi\u1ec7p v\u1eabn ti\u1ebfp t\u1ee5c tr\u00ec tr\u1ec7, nhu c\u1ea7u v\u1ed1n kh\u00f4ng c\u00f3 nhi\u1ec1u. M\u00e0 khi \u0111\u00f3, d\u00f9 c\u00f3 mu\u1ed1n vay c\u0169ng kh\u00f4ng \u0111\u1ee7 \u0111i\u1ec1u ki\u1ec7n v\u1ec1 an to\u00e0n v\u00e0 hi\u1ec7u qu\u1ea3 \u0111\u1ec3 ng\u00e2n h\u00e0ng cho vay.<\/em><\/p>\n

\u1ede \u0111\u00e2y c\u1ea7n \u0111\u1ec1 c\u1eadp t\u1edbi vai tr\u00f2 qu\u1ea3n l\u00fd c\u1ee7a c\u00e1c c\u01a1 quan ch\u1ee9c n\u0103ng. Theo logic th\u00f4ng th\u01b0\u1eddng, c\u00e1c ng\u00e2n h\u00e0ng th\u01b0\u01a1ng m\u1ea1i \u0111\u1ec1u mu\u1ed1n \u0111\u01b0\u1ee3c t\u0103ng m\u1ea1nh vi\u1ec7c cho vay, th\u1eadm ch\u00ed, t\u0103ng b\u1ea5t ch\u1ea5p, nh\u1ea5t l\u00e0 v\u00e0o th\u00e1ng cu\u1ed1i n\u0103m nh\u1eb1m \u0111\u1ea1t ch\u1ec9 ti\u00eau, gi\u1ea3m t\u1ef7 l\u1ec7 n\u1ee3 x\u1ea5u v\u00e0 l\u00e0m ti\u1ec1n \u0111\u1ec1 \u0111\u1ec3 \u0111\u01b0\u1ee3c giao m\u1ee9c t\u0103ng tr\u01b0\u1edfng t\u00edn d\u1ee5ng v\u00e0o n\u0103m sau. Th\u1eadm ch\u00ed, c\u00e1c c\u01a1 quan ch\u1ee9c n\u0103ng c\u0169ng mu\u1ed1n vi\u1ec7c n\u00e0y \u0111\u1ec3 \u0111\u1ea1t ch\u1ec9 ti\u00eau. Tuy nhi\u00ean, vi\u1ec7c t\u0103ng d\u01b0 n\u1ee3 cao m\u00e0 kh\u00f4ng \u0111\u1ea1t chu\u1ea9n t\u00edn d\u1ee5ng s\u1ebd g\u00e2y nguy c\u01a1 l\u1edbn cho ch\u00ednh t\u1eebng ng\u00e2n h\u00e0ng v\u00e0 t\u1ea1o r\u1ee7i ro l\u1edbn cho h\u1ec7 th\u1ed1ng. Vai tr\u00f2 \u0111i\u1ec1u h\u00e0nh ph\u1ea3i ki\u1ec3m so\u00e1t mong mu\u1ed1n, k\u1ec3 c\u1ea3 nhu c\u1ea7u ch\u00ednh \u0111\u00e1ng n\u00e0y, \u0111\u1ec3 m\u1ee9c t\u0103ng ph\u00f9 h\u1ee3p v\u1edbi s\u1ee9c h\u1ea5p th\u1ee5 c\u1ee7a n\u1ec1n kinh t\u1ebf v\u00e0 \u0111\u1eb7c bi\u1ec7t l\u00e0 b\u1ea3o \u0111\u1ea3m s\u1ef1 an to\u00e0n v\u1ed1n vay c\u1ee7a c\u00e1c ng\u00e2n h\u00e0ng.<\/em><\/p>\n

Do v\u1eady, s\u1ef1 t\u1ed3n t\u1ea1i c\u1ee7a c\u00f4ng c\u1ee5 \u0111i\u1ec1u h\u00e0nh nh\u01b0 h\u1ea1n m\u1ee9c t\u00edn d\u1ee5ng hay room t\u00edn d\u1ee5ng trong n\u1ec1n kinh t\u1ebf Vi\u1ec7t Nam d\u01b0\u1eddng nh\u01b0 l\u00e0 m\u1ed9t t\u1ea5t y\u1ebfu. D\u00f9 mang t\u00ednh h\u00e0nh ch\u00ednh v\u00e0 c\u00f3 nh\u1eefng b\u1ea5t c\u1eadp nh\u01b0ng c\u00f4ng c\u1ee5 n\u00e0y ph\u00f9 h\u1ee3p \u0111\u1ec3 ki\u1ec3m so\u00e1t r\u1ee7i ro t\u00edn d\u1ee5ng tr\u00ean th\u1ef1c t\u1ebf, trong b\u1ed1i c\u1ea3nh th\u1ecb tr\u01b0\u1eddng ng\u00e2n h\u00e0ng Vi\u1ec7t Nam, v\u1ed1n c\u00f3 \u0111\u1eb7c th\u00f9 ri\u00eang v\u00e0 nh\u1eefng y\u00eau c\u1ea7u r\u1ea5t kh\u00e1c bi\u1ec7t so v\u1edbi c\u00e1c n\u01b0\u1edbc, \u0111\u1eb7c bi\u1ec7t l\u00e0 c\u00e1c n\u01b0\u1edbc ph\u00e1t tri\u1ec3n.<\/em><\/p>\n

Kh\u00e1nh Nguy\u00ean\u00a0<\/strong>ghi<\/strong><\/em><\/p>\n

Tri\u1ec7u Minh<\/strong><\/p>\n

—————<\/p>\n

Kinh t\u1ebf S\u00e0i G\u00f2n (Ng\u00e2n h\u00e0ng) ng\u00e0y 11-01-2024:<\/em><\/strong><\/p>\n

https:\/\/thesaigontimes.vn\/tang-truong-tin-dung-bat-ngo-2023-va-ky-vong-2024\/<\/a><\/p>\n

(424\/2.788)<\/em>","protected":false},"excerpt":{"rendered":"

T\u0103ng tr\u01b0\u1edfng t\u00edn d\u1ee5ng: b\u1ea5t ng\u1edd 2023 v\u00e0 k\u1ef3 v\u1ecdng 2024 (KTSG) \u2013 Sau s\u1ef1 b\u1ee9t t\u1ed1c c\u1ee7a t\u0103ng tr\u01b0\u1edfng t\u00edn d\u1ee5ng trong th\u00e1ng cu\u1ed1i n\u0103m 2023, Ng\u00e2n h\u00e0ng Nh\u00e0 n\u01b0\u1edbc (NHNN) \u0111\u00e3 ph\u00e2n b\u1ed5 h\u1ebft ch\u1ec9 ti\u00eau t\u0103ng tr\u01b0\u1edfng t\u00edn d\u1ee5ng n\u0103m 2024 cho c\u00e1c t\u1ed5 ch\u1ee9c t\u00edn d\u1ee5ng ngay t\u1eeb \u0111\u1ea7u n\u0103m 2024. […]<\/p>\n","protected":false},"author":2,"featured_media":38820,"comment_status":"closed","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":""},"categories":[27,26],"tags":[36],"class_list":["post-38818","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-interviews","category-legal-media","tag-luat-su-ngan-hang"],"acf":[],"yoast_head":"\n4.224. T\u0103ng tr\u01b0\u1edfng t\u00edn d\u1ee5ng: b\u1ea5t ng\u1edd 2023 v\u00e0 k\u1ef3 v\u1ecdng 2024 - ANVI Law Firm<\/title>\n<meta name=\"description\" content=\"T\u0103ng tr\u01b0\u1edfng t\u00edn d\u1ee5ng: b\u1ea5t ng\u1edd 2023 v\u00e0...: NHNN \u0111\u00e3 ph\u00e2n b\u1ed5 h\u1ebft ch\u1ec9 ti\u00eau t\u0103ng tr\u01b0\u1edfng t\u00edn d\u1ee5ng n\u0103m 2024 cho c\u00e1c TCTD ngay t\u1eeb \u0111\u1ea7u n\u0103m 2024\" \/>\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\/3-224-tang-truong-tin-dung-bat-ngo-2023-va-ky-vong-2024\/\" \/>\n<meta property=\"og:locale\" content=\"vi_VN\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"[:vi]4.224. 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