{"id":40145,"date":"2024-07-12T07:06:04","date_gmt":"2024-07-12T00:06:04","guid":{"rendered":"https:\/\/anvilaw.com\/vi\/?p=40145"},"modified":"2024-09-30T10:48:29","modified_gmt":"2024-09-30T03:48:29","slug":"4-320-ngan-hang-khong-nen-bo-het-trung-vao-mot-gio","status":"publish","type":"post","link":"https:\/\/anvilaw.com\/vi\/4-322-ngan-hang-khong-nen-bo-het-trung-vao-mot-gio\/","title":{"rendered":"4.322. Ng\u00e2n h\u00e0ng kh\u00f4ng n\u00ean \u201cb\u1ecf h\u1ebft tr\u1ee9ng v\u00e0o m\u1ed9t gi\u1ecf\u201d"},"content":{"rendered":"

Ng\u00e2n h\u00e0ng kh\u00f4ng n\u00ean \u201cb\u1ecf h\u1ebft tr\u1ee9ng v\u00e0o m\u1ed9t gi\u1ecf\u201d<\/span><\/h4>\n
(TBNH) – Theo Lu\u1eadt C\u00e1c t\u1ed5 ch\u1ee9c t\u00edn d\u1ee5ng (TCTD) 2024 c\u00f3 hi\u1ec7u l\u1ef1c t\u1eeb 1\/7\/2024, m\u1ed9t trong nh\u1eefng n\u1ed9i dung thay \u0111\u1ed5i l\u1edbn trong lu\u1eadt \u0111\u00f3 l\u00e0 \u0111i\u1ec1u ch\u1ec9nh ho\u1ea1t \u0111\u1ed9ng c\u1ea5p t\u00edn d\u1ee5ng cho m\u1ed9t c\u00e1 nh\u00e2n v\u00e0 ng\u01b0\u1eddi li\u00ean quan.<\/strong><\/h5>\n

C\u1ee5 th\u1ec3, theo \u0110i\u1ec1u 136 Lu\u1eadt C\u00e1c TCTD 2024, trong 5 n\u0103m t\u1edbi, t\u1ed5ng m\u1ee9c d\u01b0 n\u1ee3 c\u1ea5p t\u00edn d\u1ee5ng \u0111\u1ed1i v\u1edbi m\u1ed9t kh\u00e1ch h\u00e0ng s\u1ebd gi\u1ea3m t\u1eeb m\u1ee9c t\u1ed1i \u0111a 15% hi\u1ec7n nay xu\u1ed1ng 10% v\u1ed1n t\u1ef1 c\u00f3 c\u1ee7a ng\u00e2n h\u00e0ng. T\u1ed5ng d\u01b0 n\u1ee3 c\u1ea5p t\u00edn d\u1ee5ng v\u1edbi m\u1ed9t kh\u00e1ch h\u00e0ng v\u00e0 ng\u01b0\u1eddi c\u00f3 li\u00ean quan c\u0169ng gi\u1ea3m t\u1eeb t\u1ed1i \u0111a 25% v\u1ec1 15%.<\/p>\n

C\u00e1c chuy\u00ean gia \u0111\u00e1nh gi\u00e1, quy \u0111\u1ecbnh \u0111\u01b0\u1ee3c k\u1ef3 v\u1ecdng gi\u00fap cho ho\u1ea1t \u0111\u1ed9ng cho vay \u0111\u01b0\u1ee3c ph\u00e1t tri\u1ec3n b\u1ec1n v\u1eefng h\u01a1n, trong th\u1eddi gian d\u00e0i h\u1ea1n. Tuy nhi\u00ean, trong ng\u1eafn h\u1ea1n, c\u00e1c ng\u00e2n h\u00e0ng cho vay kh\u00e1ch h\u00e0ng li\u00ean quan s\u1ebd g\u1eb7p \u00e1p l\u1ef1c c\u01a1 c\u1ea5u l\u1ea1i kho\u1ea3n vay.<\/p>\n

Trao \u0111\u1ed5i v\u1edbi ph\u00f3ng vi\u00ean, Lu\u1eadt s\u01b0\u00a0<\/span><\/a>Tr\u01b0\u01a1ng Thanh \u0110\u1ee9c,<\/a>Gi\u00e1m \u0111\u1ed1c C\u00f4ng ty Lu\u1eadt<\/a> ANVI<\/strong><\/a><\/em>\u00a0cho r\u1eb1ng, quy \u0111\u1ecbnh n\u00e0y s\u1ebd \u1ea3nh h\u01b0\u1edfng t\u1edbi c\u00e1c ng\u00e2n h\u00e0ng nh\u01b0ng \u1edf m\u1ee9c \u0111\u1ed9 ch\u1ea5p nh\u1eadn \u0111\u01b0\u1ee3c do \u0111\u00e3 c\u00f3 l\u1ed9 tr\u00ecnh k\u00e9o d\u00e0i 5 n\u0103m. \u201cGi\u1ea3m t\u1ef7 l\u1ec7 c\u1ea5p t\u00edn d\u1ee5ng l\u00e0 m\u1ed9t trong nh\u1eefng c\u00f4ng c\u1ee5 \u0111\u1ec3 c\u01a1 quan qu\u1ea3n l\u00fd d\u1ec5 gi\u00e1m s\u00e1t. Tuy nhi\u00ean, \u0111i\u1ec1u quan tr\u1ecdng nh\u1ea5t c\u1ea7n \u0111\u1ea1t \u0111\u01b0\u1ee3c l\u00e0 ph\u1ea3i gi\u1ea3m t\u1ef7 l\u1ec7 cho vay m\u1ed9t c\u00e1ch th\u1ef1c ch\u1ea5t\u201d, LS. \u0110\u1ee9c nh\u1ea5n m\u1ea1nh.<\/em><\/p>\n

Chung quan \u0111i\u1ec3m, TS. Nguy\u1ec5n Qu\u1ed1c H\u00f9ng, T\u1ed5ng th\u01b0 k\u00fd Hi\u1ec7p h\u1ed9i Ng\u00e2n h\u00e0ng Vi\u1ec7t Nam (VNBA) cho r\u1eb1ng, quy \u0111\u1ecbnh tr\u00ean r\u1ea5t ph\u00f9 h\u1ee3p v\u1edbi th\u1ef1c ti\u1ec5n ho\u1ea1t \u0111\u1ed9ng c\u1ee7a c\u00e1c ng\u00e2n h\u00e0ng v\u00e0 s\u1ebd kh\u00f4ng \u1ea3nh h\u01b0\u1edfng t\u1edbi ho\u1ea1t \u0111\u1ed9ng c\u1ee7a c\u00e1c TCTD do \u0111\u00e3 c\u00f3 l\u1ed9 tr\u00ecnh trong v\u00f2ng 5 n\u0103m kh\u00e1 r\u00f5 r\u00e0ng. Thay v\u00ec m\u1ed9t ng\u00e2n h\u00e0ng cho vay th\u00ec nhi\u1ec1u ng\u00e2n h\u00e0ng c\u00f3 th\u1ec3 \u0111\u1ed3ng t\u00e0i tr\u1ee3, \u0111i\u1ec1u n\u00e0y c\u00f3 th\u1ec3 gi\u1ea3m thi\u1ec3u \u0111\u01b0\u1ee3c r\u1ee7i ro khi m\u1ed9t ng\u00e2n h\u00e0ng \u201c\u0111\u1ea7u t\u01b0\u201d cho m\u1ed9t kh\u00e1ch h\u00e0ng l\u1edbn. \u0110i\u1ec1u n\u00e0y ph\u00f9 h\u1ee3p v\u1edbi nguy\u00ean t\u1eafc chia s\u1ebb r\u1ee7i ro trong \u0111\u1ea7u t\u01b0 kinh doanh. \u201cN\u1ebfu c\u00f3 l\u1ee3i th\u00ec c\u00f9ng \u0111\u01b0\u1ee3c h\u01b0\u1edfng v\u00e0 n\u1ebfu c\u00f3 r\u1ee7i ro th\u00ec c\u00f9ng chia s\u1ebb, v\u1eady t\u1ea1i sao m\u1ed9t TCTD c\u1ee9 ph\u1ea3i \u00f4m m\u1ed9t m\u00ecnh m\u1ed9t d\u1ef1 \u00e1n. Trong khi \u0111\u00f3, n\u1ebfu m\u1ed9t ng\u00e2n h\u00e0ng c\u1ea5p v\u1ed1n th\u00ec khi d\u1ef1 \u00e1n \u0111\u00f3 x\u1ea3y ra v\u1ea5n \u0111\u1ec1 th\u00ec r\u1ee7i ro v\u00e0 h\u1eadu qu\u1ea3 s\u1ebd r\u1ea5t l\u1edbn\u201d, TS. H\u00f9ng n\u00eau v\u1ea5n \u0111\u1ec1.<\/p>\n

M\u1ed9t chuy\u00ean gia ng\u00e2n h\u00e0ng kh\u00e1c \u1ee7ng h\u1ed9 vi\u1ec7c gi\u1ea3m gi\u1edbi h\u1ea1n c\u1ea5p t\u00edn d\u1ee5ng v\u1edbi m\u1ed9t kh\u00e1ch h\u00e0ng\/nh\u00f3m kh\u00e1ch h\u00e0ng. Gi\u1ea3m gi\u1edbi h\u1ea1n c\u1ea5p t\u00edn d\u1ee5ng c\u00f3 ngh\u0129a doanh nghi\u1ec7p ph\u1ea3i l\u00e0m vi\u1ec7c v\u1edbi nhi\u1ec1u ng\u00e2n h\u00e0ng h\u01a1n \u0111\u1ec3 \u0111\u01b0\u1ee3c \u0111\u1ed3ng t\u00e0i tr\u1ee3 v\u00e0 khuy\u1ebfn kh\u00edch t\u00ecm \u0111\u1ebfn c\u00e1c k\u00eanh ti\u1ebfp c\u1eadn v\u1ed1n kh\u00e1c ngo\u00e0i t\u00edn d\u1ee5ng ng\u00e2n h\u00e0ng. Theo \u0111\u00f3, t\u1ea1o \u0111\u1ed9ng l\u1ef1c th\u00fac \u0111\u1ea9y ph\u00e1t tri\u1ec3n th\u1ecb tr\u01b0\u1eddng v\u1ed1n m\u1ed9t c\u00e1ch \u1ed5n \u0111\u1ecbnh.<\/p>\n

\u201cC\u00e1c ng\u00e2n h\u00e0ng c\u00f3 th\u1ec3 r\u1ea5t mu\u1ed1n \u201c\u0111\u1ed9c chi\u1ebfm\u201d c\u00e1c kh\u00e1ch h\u00e0ng, doanh nghi\u1ec7p t\u1ed1t. Tuy nhi\u00ean, t\u00f4i cho r\u1eb1ng, ng\u00e2n h\u00e0ng kh\u00f4ng n\u00ean t\u1eadp trung \u201cb\u1ecf tr\u1ee9ng v\u00e0o m\u1ed9t gi\u1ecf\u201d, d\u1ed3n qu\u00e1 nhi\u1ec1u v\u1ed1n cho m\u1ed9t kh\u00e1ch h\u00e0ng, m\u1ed9t nh\u00f3m kh\u00e1ch h\u00e0ng. V\u1edbi c\u00e1c d\u1ef1 \u00e1n l\u1edbn, n\u00ean khuy\u1ebfn kh\u00edch h\u00ecnh th\u1ee9c cho vay \u0111\u1ed3ng t\u00e0i tr\u1ee3, Nh\u00e0 n\u01b0\u1edbc c\u0169ng \u0111\u00e3 c\u00f3 c\u01a1 ch\u1ebf v\u1ec1 v\u1ea5n \u0111\u1ec1 n\u00e0y. C\u00f9ng cho vay, c\u00f9ng ki\u1ec3m tra, c\u00f9ng ki\u1ec3m so\u00e1t th\u00ec s\u1ebd t\u0103ng minh b\u1ea1ch, gi\u1ea3m r\u1ee7i ro. \u0110\u00e2y l\u00e0 v\u1ea5n \u0111\u1ec1 m\u00e0 doanh nghi\u1ec7p ph\u1ea3i l\u00e0m quen d\u1ea7n\u201d, v\u1ecb n\u00e0y ph\u00e2n t\u00edch th\u00eam.<\/p>\n\n\n\n\n
\"b\u1ecf<\/td>\n<\/tr>\n
Vi\u1ec7c gi\u1ea3m gi\u1edbi h\u1ea1n c\u1ea5p t\u00edn d\u1ee5ng s\u1ebd h\u1ea1n ch\u1ebf r\u1ee7i ro cho c\u00e1c ng\u00e2n h\u00e0ng<\/em><\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n

B\u00ean c\u1ea1nh \u0111\u00f3 theo c\u00e1c chuy\u00ean gia, vi\u1ec7c gi\u1ea3m gi\u1edbi h\u1ea1n cho vay t\u1ed1i \u0111a \u0111\u1ed1i v\u1edbi m\u1ed9t kh\u00e1ch h\u00e0ng c\u0169ng s\u1ebd t\u1ea1o \u0111\u1ed9ng l\u1ef1c th\u00fac \u0111\u1ea9y th\u1ecb tr\u01b0\u1eddng v\u1ed1n ph\u00e1t tri\u1ec3n. Li\u00ean quan \u0111\u1ebfn v\u1ea5n \u0111\u1ec1 n\u00e0y, tr\u01b0\u1edbc \u0111\u00f3, Th\u1ed1ng \u0111\u1ed1c NHNN Vi\u1ec7t Nam Nguy\u1ec5n Th\u1ecb H\u1ed3ng cho bi\u1ebft, v\u1ed1n \u0111\u1ea7u t\u01b0 c\u1ee7a doanh nghi\u1ec7p Vi\u1ec7t Nam hi\u1ec7n ph\u1ee5 thu\u1ed9c r\u1ea5t l\u1edbn v\u00e0o h\u1ec7 th\u1ed1ng ng\u00e2n h\u00e0ng. C\u00e1c t\u1ed5 ch\u1ee9c qu\u1ed1c t\u1ebf c\u0169ng c\u1ea3nh b\u00e1o r\u1eb1ng n\u1ebfu nh\u01b0 nhu c\u1ea7u \u0111\u1ea7u t\u01b0 ti\u1ebfp t\u1ee5c ph\u1ee5 thu\u1ed9c v\u00e0o h\u1ec7 th\u1ed1ng ng\u00e2n h\u00e0ng th\u00ec c\u0169ng s\u1ebd ti\u1ec1m \u1ea9n r\u1ee7i ro. B\u1ea5t c\u1ee9 khi n\u00e0o kinh t\u1ebf th\u1ebf gi\u1edbi, trong n\u01b0\u1edbc c\u00f3 nh\u1eefng bi\u1ebfn \u0111\u1ed9ng ph\u1ee9c t\u1ea1p, \u1ea3nh h\u01b0\u1edfng \u0111\u1ebfn doanh nghi\u1ec7p v\u00e0 ng\u01b0\u1eddi d\u00e2n th\u00ec s\u1ebd \u1ea3nh h\u01b0\u1edfng \u0111\u1ebfn ng\u00e2n h\u00e0ng. Khi ng\u00e2n h\u00e0ng b\u1ecb \u1ea3nh h\u01b0\u1edfng s\u1ebd l\u00e0 hi\u1ec7u \u1ee9ng domino \u1ea3nh h\u01b0\u1edfng \u0111\u1ebfn n\u1ec1n kinh t\u1ebf. Ch\u00ednh v\u00ec v\u1eady, b\u00ean c\u1ea1nh ng\u00e0nh Ng\u00e2n h\u00e0ng th\u00ec c\u00e1c th\u1ecb tr\u01b0\u1eddng kh\u00e1c nh\u01b0 ch\u1ee9ng kho\u00e1n, tr\u00e1i phi\u1ebfu doanh nghi\u1ec7p c\u1ea7n ph\u1ea3i \u0111\u01b0\u1ee3c ph\u00e1t tri\u1ec3n \u0111\u1ed3ng b\u1ed9.<\/p>\n

TS Nguy\u1ec5n Qu\u1ed1c H\u00f9ng kh\u1eb3ng \u0111\u1ecbnh, ng\u00e2n h\u00e0ng huy \u0111\u1ed9ng ch\u1ee7 y\u1ebfu l\u00e0 v\u1ed1n ng\u1eafn h\u1ea1n, kh\u00f4ng \u0111\u1ee7 ngu\u1ed3n l\u1ef1c \u0111\u1ec3 \u0111\u00e1p \u1ee9ng m\u1ecdi nhu c\u1ea7u \u0111\u1ea7u t\u01b0 v\u1ed1n trung, d\u00e0i h\u1ea1n. Vi\u1ec7c \u0111\u00f2i h\u1ecfi ng\u00e2n h\u00e0ng \u0111\u00e1p \u1ee9ng t\u1ea5t c\u1ea3 nhu c\u1ea7u v\u1ed1n trung, d\u00e0i h\u1ea1n l\u00e0 kh\u00f4ng h\u1ee3p l\u00fd, m\u00e0 ph\u1ea3i m\u1edf r\u1ed9ng ra c\u00e1c k\u00eanh huy \u0111\u1ed9ng v\u1ed1n kh\u00e1c, quan tr\u1ecdng nh\u1ea5t l\u00e0 huy \u0111\u1ed9ng t\u1eeb th\u1ecb tr\u01b0\u1eddng v\u1ed1n.<\/p>\n

Tr\u01b0\u1edbc c\u00e1c \u00fd ki\u1ebfn lo ng\u1ea1i vi\u1ec7c gi\u1ea3m gi\u1edbi h\u1ea1n c\u1ea5p t\u00edn d\u1ee5ng s\u1ebd l\u00e0m doanh nghi\u1ec7p kh\u00f3 ti\u1ebfp c\u1eadn v\u1ed1n, TS. H\u00f9ng cho r\u1eb1ng, tr\u00ean th\u1ef1c t\u1ebf t\u1ed5ng t\u00e0i s\u1ea3n c\u1ee7a h\u1ec7 th\u1ed1ng ng\u00e2n h\u00e0ng \u0111ang r\u1ea5t l\u1edbn, t\u1ef7 l\u1ec7 cho vay 10-15% v\u1ed1n t\u1ef1 c\u00f3 l\u00e0 con s\u1ed1 kh\u00f4ng h\u1ec1 nh\u1ecf. \u201cTheo t\u00f4i, m\u00e8o nh\u1ecf th\u00ec n\u00ean b\u1eaft chu\u1ed9t nh\u1ecf, \u0111\u1eebng tham b\u1eaft chu\u1ed9t l\u1edbn. Ng\u00e2n h\u00e0ng ph\u1ea3i c\u0103n c\u1ee9 v\u1ed1n \u0111i\u1ec1u l\u1ec7 c\u1ee7a m\u00ecnh \u0111\u1ec3 l\u01b0\u1ee3ng s\u1ee9c m\u00ecnh, cho vay \u1edf t\u1ef7 l\u1ec7 \u0111\u1ea3m b\u1ea3o an to\u00e0n\u201d, TS. H\u00f9ng khuy\u1ebfn ngh\u1ecb.<\/p>\n

Theo TS. H\u00f9ng, \u0111i\u1ec1u \u0111\u00e1ng lo nh\u1ea5t th\u1eddi \u0111i\u1ec3m n\u00e0y l\u00e0 doanh nghi\u1ec7p kh\u00f4ng c\u00f3 d\u1ef1 \u00e1n hi\u1ec7u qu\u1ea3, kh\u00f4ng c\u00f3 kh\u1ea3 n\u0103ng tr\u1ea3 n\u1ee3. C\u00f2n c\u00e1c d\u1ef1 \u00e1n l\u1edbn n\u1ebfu th\u1ef1c s\u1ef1 minh b\u1ea1ch, hi\u1ec7u qu\u1ea3, th\u00ec d\u00f9 v\u1ed1n \u0111\u1ea7u t\u01b0 c\u00f3 l\u00ean t\u1edbi h\u00e0ng t\u1ef7 USD c\u0169ng kh\u00f4ng s\u1ee3 thi\u1ebfu v\u1ed1n. \u201cV\u1ea5n \u0111\u1ec1 \u0111\u1eb7t ra l\u00e0 doanh nghi\u1ec7p c\u0169ng ph\u1ea3i thay \u0111\u1ed5i thay v\u00ec d\u1ef1a v\u00e0o m\u1ed9t ng\u00e2n h\u00e0ng, c\u1ea7n minh b\u1ea1ch cho nhi\u1ec1u ng\u00e2n h\u00e0ng c\u00f9ng \u0111\u00e1nh gi\u00e1, cho vay. \u0110\u00e2y c\u0169ng l\u00e0 c\u01a1 h\u1ed9i \u0111\u1ec3 c\u00e1c ng\u00e2n h\u00e0ng b\u1eaft tay nhau t\u00e0i tr\u1ee3 v\u1ed1n\u201d, TS. H\u00f9ng n\u00eau v\u1ea5n \u0111\u1ec1.<\/p>\n

M\u1eb7c d\u00f9 v\u1eady, l\u00e3nh \u0111\u1ea1o m\u1ed9t ng\u00e2n h\u00e0ng l\u1edbn b\u00e0y t\u1ecf, m\u1eb7c d\u00f9 gi\u1ea3m t\u1ef7 l\u1ec7 cho vay t\u1ed1i \u0111a 1 kh\u00e1ch h\u00e0ng t\u1ea1i ng\u00e2n h\u00e0ng gi\u1ea3m t\u1eeb 15% xu\u1ed1ng 10% l\u00e0 h\u1ee3p l\u00fd. Song quy \u0111\u1ecbnh n\u00e0y s\u1ebd t\u00e1c \u0111\u1ed9ng \u0111\u1ebfn ng\u00e2n h\u00e0ng l\u1edbn, doanh nghi\u1ec7p l\u1edbn trong vay v\u1ed1n. Do \u0111\u00f3, v\u1edbi ng\u00e2n h\u00e0ng l\u1edbn, kh\u1ea3 n\u0103ng ki\u1ec3m so\u00e1t t\u1ed1t, v\u1ecb n\u00e0y \u0111\u1ec1 xu\u1ea5t c\u00f3 th\u1ec3 t\u1ea1o c\u01a1 ch\u1ebf \u0111\u1eb7c th\u00f9 v\u1edbi kh\u00e1ch h\u00e0ng t\u1ed1t. T\u1eeb \u0111\u00f3 m\u1edf r\u1ed9ng t\u0103ng tr\u01b0\u1edfng t\u00edn d\u1ee5ng k\u1ecbp th\u1eddi hi\u1ec7u qu\u1ea3 nh\u1ea5t l\u00e0 \u0111\u1ed1i v\u1edbi doanh nghi\u1ec7p l\u1edbn, T\u1ed5ng c\u00f4ng ty l\u1edbn.<\/p>\n

Th\u1ef1c t\u1ebf l\u00e0 c\u00e1nh c\u1eeda vay v\u1ed1n v\u01b0\u1ee3t h\u1ea1n m\u1ee9c c\u1ee7a doanh nghi\u1ec7p \u0111ang m\u1edf khi m\u1edbi \u0111\u00e2y, Ph\u00f3 Th\u1ee7 t\u01b0\u1edbng L\u00ea Minh Kh\u00e1i v\u1eeba k\u00fd Quy\u1ebft \u0111\u1ecbnh s\u1ed1 9\/2024\/Q\u0110-TTg quy \u0111\u1ecbnh v\u1ec1 \u0111i\u1ec1u ki\u1ec7n, h\u1ed3 s\u01a1, th\u1ee7 t\u1ee5c \u0111\u1ec1 ngh\u1ecb ch\u1ea5p thu\u1eadn m\u1ee9c c\u1ea5p t\u00edn d\u1ee5ng t\u1ed1i \u0111a v\u01b0\u1ee3t gi\u1edbi h\u1ea1n c\u1ee7a TCTD, chi nh\u00e1nh ng\u00e2n h\u00e0ng n\u01b0\u1edbc ngo\u00e0i. Quy\u1ebft \u0111\u1ecbnh n\u00eau r\u00f5, \u0111i\u1ec1u ki\u1ec7n xem x\u00e9t ch\u1ea5p thu\u1eadn kho\u1ea3n c\u1ea5p t\u00edn d\u1ee5ng v\u01b0\u1ee3t gi\u1edbi h\u1ea1n, kh\u00e1ch h\u00e0ng vay v\u1ed1n, d\u1ef1 \u00e1n, ph\u01b0\u01a1ng \u00e1n \u0111\u01b0\u1ee3c \u0111\u1ec1 ngh\u1ecb c\u1ea5p t\u00edn d\u1ee5ng v\u01b0\u1ee3t gi\u1edbi h\u1ea1n \u0111\u00e1p \u1ee9ng m\u1ed9t s\u1ed1 \u0111i\u1ec1u ki\u1ec7n. \u0110\u00f3 l\u00e0 kh\u00e1ch h\u00e0ng \u0111\u00e1p \u1ee9ng \u0111\u1ee7 \u0111i\u1ec1u ki\u1ec7n c\u1ea5p t\u00edn d\u1ee5ng theo quy \u0111\u1ecbnh c\u1ee7a ph\u00e1p lu\u1eadt; kh\u00f4ng c\u00f3 n\u1ee3 x\u1ea5u t\u1ea1i c\u00e1c TCTD trong 3 n\u0103m li\u1ec1n k\u1ec1 tr\u01b0\u1edbc th\u1eddi \u0111i\u1ec3m \u0111\u1ec1 ngh\u1ecb c\u1ea5p t\u00edn d\u1ee5ng v\u01b0\u1ee3t gi\u1edbi h\u1ea1n; c\u00f3 h\u1ec7 s\u1ed1 n\u1ee3 ph\u1ea3i tr\u1ea3 tr\u00ean v\u1ed1n ch\u1ee7 s\u1edf h\u1eefu \u0111\u01b0\u1ee3c ghi tr\u00ean b\u00e1o c\u00e1o t\u00e0i ch\u00ednh n\u0103m c\u1ee7a kh\u00e1ch h\u00e0ng t\u1ea1i th\u1eddi \u0111i\u1ec3m g\u1ea7n nh\u1ea5t v\u1edbi th\u1eddi \u0111i\u1ec3m \u0111\u1ec1 ngh\u1ecb c\u1ea5p t\u00edn d\u1ee5ng v\u01b0\u1ee3t gi\u1edbi h\u1ea1n kh\u00f4ng qu\u00e1 3 l\u1ea7n. Kh\u00e1ch h\u00e0ng th\u1ef1c hi\u1ec7n c\u00e1c d\u1ef1 \u00e1n, ph\u01b0\u01a1ng \u00e1n s\u1ea3n xu\u1ea5t kinh doanh th\u1ef1c hi\u1ec7n nhi\u1ec7m v\u1ee5 kinh t\u1ebf – x\u00e3 h\u1ed9i quan tr\u1ecdng, c\u1ea5p thi\u1ebft, ph\u1ee5c v\u1ee5 nhu c\u1ea7u thi\u1ebft y\u1ebfu c\u1ee7a \u0111\u1eddi s\u1ed1ng nh\u00e2n d\u00e2n thu\u1ed9c c\u00e1c ng\u00e0nh, l\u0129nh v\u1ef1c \u0111i\u1ec7n, than, d\u1ea7u kh\u00ed, x\u0103ng d\u1ea7u, giao th\u00f4ng, v\u1eadn t\u1ea3i c\u00f4ng c\u1ed9ng\u2026<\/p>\n

Quy\u1ebft \u0111\u1ecbnh tr\u00ean c\u0169ng quy \u0111\u1ecbnh nh\u1eefng TCTD \u0111\u01b0\u1ee3c cho vay v\u01b0\u1ee3t h\u1ea1n m\u1ee9c t\u00edn d\u1ee5ng v\u1edbi doanh nghi\u1ec7p ph\u1ea3i \u0111\u00e1p \u1ee9ng \u0111i\u1ec1u ki\u1ec7n \u0111\u1ea7u ti\u00ean l\u00e0 c\u1ea5p t\u00edn d\u1ee5ng h\u1ee3p v\u1ed1n. Theo \u0111\u00f3, TCTD \u0111\u00e3 \u0111\u1ec1 xu\u1ea5t v\u00e0 th\u1ef1c hi\u1ec7n c\u00e1c th\u1ee7 t\u1ee5c c\u1ea7n thi\u1ebft theo quy \u0111\u1ecbnh c\u1ee7a ph\u00e1p lu\u1eadt v\u1ec1 vi\u1ec7c c\u1ea5p t\u00edn d\u1ee5ng h\u1ee3p v\u1ed1n \u0111\u1ed1i v\u1edbi c\u00e1c d\u1ef1 \u00e1n, ph\u01b0\u01a1ng \u00e1n \u0111\u1ec1 ngh\u1ecb c\u1ea5p t\u00edn d\u1ee5ng v\u01b0\u1ee3t gi\u1edbi h\u1ea1n m\u00e0 kh\u1ea3 n\u0103ng h\u1ee3p v\u1ed1n c\u1ee7a c\u00e1c TCTD ch\u01b0a \u0111\u00e1p \u1ee9ng \u0111\u01b0\u1ee3c y\u00eau c\u1ea7u vay v\u1ed1n c\u1ee7a m\u1ed9t kh\u00e1ch h\u00e0ng. Ho\u1eb7c TCTD \u0111\u00e3 ph\u00e1t h\u00e0nh th\u01b0 m\u1eddi h\u1ee3p v\u1ed1n t\u1edbi \u00edt nh\u1ea5t 5 TCTD kh\u00e1c.<\/p>\n

Nguy\u1ec5n V\u0169<\/strong><\/p>\n

—————<\/p>\n

Th\u1eddi<\/em><\/strong> b\u00e1o Ng\u00e2n h\u00e0ng<\/em><\/strong> (Ng\u00e2n<\/em><\/strong> h\u00e0ng<\/em><\/strong>) ng\u00e0y <\/em><\/strong>12-7<\/em><\/strong>-2024:<\/em><\/strong><\/p>\n

https:\/\/thoibaonganhang.vn\/ngan-hang-khong-nen-bo-het-trung-vao-mot-gio-153386.html<\/a><\/em><\/p>\n

(<\/em>88\/1.523<\/em>)<\/em>","protected":false},"excerpt":{"rendered":"

Ng\u00e2n h\u00e0ng kh\u00f4ng n\u00ean \u201cb\u1ecf h\u1ebft tr\u1ee9ng v\u00e0o m\u1ed9t gi\u1ecf\u201d (TBNH) – Theo Lu\u1eadt C\u00e1c t\u1ed5 ch\u1ee9c t\u00edn d\u1ee5ng (TCTD) 2024 c\u00f3 hi\u1ec7u l\u1ef1c t\u1eeb 1\/7\/2024, m\u1ed9t trong nh\u1eefng n\u1ed9i dung thay \u0111\u1ed5i l\u1edbn trong lu\u1eadt \u0111\u00f3 l\u00e0 \u0111i\u1ec1u ch\u1ec9nh ho\u1ea1t \u0111\u1ed9ng c\u1ea5p t\u00edn d\u1ee5ng cho m\u1ed9t c\u00e1 nh\u00e2n v\u00e0 ng\u01b0\u1eddi li\u00ean quan. C\u1ee5 th\u1ec3, […]<\/p>\n","protected":false},"author":2,"featured_media":40146,"comment_status":"closed","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":""},"categories":[27,26],"tags":[36],"class_list":["post-40145","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-interviews","category-legal-media","tag-luat-su-ngan-hang"],"acf":[],"yoast_head":"\n4.322. 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