{"id":4651,"date":"2016-02-18T22:59:43","date_gmt":"2016-02-18T15:59:43","guid":{"rendered":"https:\/\/anvilaw.com\/vi\/?p=4651"},"modified":"2024-10-31T17:57:44","modified_gmt":"2024-10-31T10:57:44","slug":"197-he-so-cua-ngan-hang-he-qua-cua-thi-truong","status":"publish","type":"post","link":"https:\/\/anvilaw.com\/vi\/197-he-so-cua-ngan-hang-he-qua-cua-thi-truong\/","title":{"rendered":"197. H\u1ec7 s\u1ed1 c\u1ee7a ng\u00e2n h\u00e0ng, h\u1ec7 qu\u1ea3 c\u1ee7a th\u1ecb tr\u01b0\u1eddng"},"content":{"rendered":"

H\u1ec7 s\u1ed1 c\u1ee7a ng\u00e2n h\u00e0ng, h\u1ec7 qu\u1ea3 c\u1ee7a th\u1ecb tr\u01b0\u1eddng<\/span><\/h4>\n
(KTSG) – H\u1ec7 s\u1ed1 r\u1ee7i ro \u0111\u1ed1i v\u1edbi \u201cc\u00e1c kho\u1ea3n ph\u1ea3i \u0111\u00f2i \u0111\u1ec3 kinh doanh b\u1ea5t \u0111\u1ed9ng s\u1ea3n\u201d \u0111ang \u0111\u01b0\u1ee3c Ng\u00e2n h\u00e0ng Nh\u00e0 n\u01b0\u1edbc d\u1ef1 ki\u1ebfn \u0111i\u1ec1u ch\u1ec9nh t\u1eeb 150% l\u00ean 250% \u0111\u00e3 ph\u00e1t \u0111i t\u00edn hi\u1ec7u c\u1ea7n t\u0103ng c\u01b0\u1eddng ki\u1ec3m so\u00e1t r\u1ee7i ro cho vay \u0111\u1ed1i v\u1edbi l\u0129nh v\u1ef1c n\u00e0y.<\/strong><\/h5>\n
\"H\u1ec7

H\u1ec7 s\u1ed1 r\u1ee7i ro \u0111\u1ed1i v\u1edbi ho\u1ea1t \u0111\u1ed9ng cho vay \u0111\u1ec3 kinh doanh b\u1ea5t \u0111\u1ed9ng s\u1ea3n l\u00e0 m\u1ed9t trong nh\u1eefng y\u1ebfu t\u1ed1 quan tr\u1ecdng t\u00e1c \u0111\u1ed9ng \u0111\u1ebfn th\u1ecb tr\u01b0\u1eddng b\u1ea5t \u0111\u1ed9ng s\u1ea3n v\u00e0 vi\u1ec7c ki\u1ec3m so\u00e1t r\u1ee7i ro \u0111\u1ed1i v\u1edbi h\u1ec7 th\u1ed1ng ng\u00e2n h\u00e0ng. \u1ea2nh: MINH KHU\u00ca<\/p><\/div>\n

L\u00fd do \u0111i\u1ec1u ch\u1ec9nh<\/strong><\/h5>\n

H\u1ec7 s\u1ed1 r\u1ee7i ro \u0111\u1ed1i v\u1edbi ho\u1ea1t \u0111\u1ed9ng cho vay \u0111\u1ec3 kinh doanh b\u1ea5t \u0111\u1ed9ng s\u1ea3n l\u00e0 m\u1ed9t trong nh\u1eefng y\u1ebfu t\u1ed1 quan tr\u1ecdng t\u00e1c \u0111\u1ed9ng \u0111\u1ebfn th\u1ecb tr\u01b0\u1eddng b\u1ea5t \u0111\u1ed9ng s\u1ea3n v\u00e0 vi\u1ec7c ki\u1ec3m so\u00e1t r\u1ee7i ro \u0111\u1ed1i v\u1edbi h\u1ec7 th\u1ed1ng ng\u00e2n h\u00e0ng.<\/p>\n

H\u1ec7 s\u1ed1 n\u00e0y \u0111ang \u0111\u01b0\u1ee3c quy \u0111\u1ecbnh t\u1ea1i Th\u00f4ng t\u01b0 s\u1ed1 36\/2014\/TT-NHNN ng\u00e0y 20-11-2014 c\u1ee7a Th\u1ed1ng \u0111\u1ed1c Ng\u00e2n h\u00e0ng Nh\u00e0 n\u01b0\u1edbc \u201cQuy \u0111\u1ecbnh v\u1ec1 c\u00e1c gi\u1edbi h\u1ea1n, t\u1ef7 l\u1ec7 b\u1ea3o \u0111\u1ea3m an to\u00e0n trong ho\u1ea1t \u0111\u1ed9ng c\u1ee7a t\u1ed5 ch\u1ee9c t\u00edn d\u1ee5ng, chi nh\u00e1nh ng\u00e2n h\u00e0ng n\u01b0\u1edbc ngo\u00e0i\u201d (d\u01b0\u1edbi \u0111\u00e2y g\u1ecdi chung l\u00e0 ng\u00e2n h\u00e0ng). Theo l\u00fd gi\u1ea3i c\u1ee7a Ng\u00e2n h\u00e0ng Nh\u00e0 n\u01b0\u1edbc, c\u1ea7n ph\u1ea3i n\u00e2ng h\u1ec7 s\u1ed1 r\u1ee7i ro \u0111\u1ed1i v\u1edbi \u201cc\u00e1c kho\u1ea3n ph\u1ea3i \u0111\u00f2i \u0111\u1ec3 kinh doanh b\u1ea5t \u0111\u1ed9ng s\u1ea3n\u201d v\u00ec d\u00f2ng ch\u1ea3y t\u00edn d\u1ee5ng v\u00e0o l\u0129nh v\u1ef1c \u0111\u1ea7u t\u01b0 v\u00e0 kinh doanh b\u1ea5t \u0111\u1ed9ng s\u1ea3n li\u00ean t\u1ee5c t\u0103ng tr\u01b0\u1edfng l\u1edbn nh\u1ea5t trong th\u1eddi gian qua.<\/p>\n

\u0110\u1ebfn cu\u1ed1i th\u00e1ng 9-2015 d\u01b0 n\u1ee3 cho vay kinh doanh b\u1ea5t \u0111\u1ed9ng s\u1ea3n chi\u1ebfm 8,05% t\u1ed5ng d\u01b0 n\u1ee3 t\u00edn d\u1ee5ng, t\u01b0\u01a1ng \u1ee9ng l\u00e0 358.377 t\u1ec9 \u0111\u1ed3ng. T\u1ed1c \u0111\u1ed9 t\u0103ng tr\u01b0\u1edfng cho vay \u0111\u1ea7u t\u01b0 kinh doanh b\u1ea5t \u0111\u1ed9ng s\u1ea3n trong ch\u00edn th\u00e1ng \u0111\u1ea7u n\u0103m 2015 \u0111\u1ea1t 14,59% (cao h\u01a1n kho\u1ea3ng 2,5% so v\u1edbi t\u1ed1c \u0111\u1ed9 t\u0103ng tr\u01b0\u1edfng t\u00edn d\u1ee5ng chung ch\u00edn th\u00e1ng \u0111\u1ea7u n\u0103m 2014). D\u01b0 n\u1ee3 cho vay \u0111\u1ea7u t\u01b0 kinh doanh b\u1ea5t \u0111\u1ed9ng s\u1ea3n t\u1eadp trung l\u1edbn nh\u1ea5t v\u00e0o ph\u00e2n kh\u00fac x\u00e2y d\u1ef1ng, s\u1eeda ch\u1eefa, mua nh\u00e0, x\u00e2y d\u1ef1ng \u0111\u00f4 th\u1ecb (chi\u1ebfm tr\u00ean 60%).<\/p>\n

\u0110\u00e1ng ti\u1ebfc l\u00e0 kh\u00f4ng c\u00f3 s\u1ed1 li\u1ec7u \u0111\u1ec3 ph\u00e2n bi\u1ec7t gi\u1eefa hai m\u1ea3ng c\u1ea7n x\u1eed l\u00fd ho\u00e0n to\u00e0n kh\u00e1c nhau l\u00e0 \u0111\u1ea7u t\u01b0 b\u1ea5t \u0111\u1ed9ng s\u1ea3n v\u00e0 kinh doanh b\u1ea5t \u0111\u1ed9ng s\u1ea3n.<\/p>\n

Ph\u1ea1m vi \u1ea3nh h\u01b0\u1edfng<\/strong><\/h5>\n

Vi\u1ec7c t\u0103ng h\u1ec7 s\u1ed1 r\u1ee7i ro c\u00f3 t\u00e1c \u0111\u1ed9ng tr\u1ef1c ti\u1ebfp \u0111\u1ebfn ho\u1ea1t \u0111\u1ed9ng cho vay kinh doanh b\u1ea5t \u0111\u1ed9ng s\u1ea3n. Theo quy \u0111\u1ecbnh t\u1ea1i kho\u1ea3n 1, \u0111i\u1ec1u 3 v\u1ec1 \u201cGi\u1ea3i th\u00edch t\u1eeb ng\u1eef\u201d, Lu\u1eadt Kinh doanh b\u1ea5t \u0111\u1ed9ng s\u1ea3n n\u0103m 2014 th\u00ec \u201cKinh doanh b\u1ea5t \u0111\u1ed9ng s\u1ea3n l\u00e0 vi\u1ec7c \u0111\u1ea7u t\u01b0 v\u1ed1n \u0111\u1ec3 th\u1ef1c hi\u1ec7n ho\u1ea1t \u0111\u1ed9ng x\u00e2y d\u1ef1ng, mua, nh\u1eadn chuy\u1ec3n nh\u01b0\u1ee3ng \u0111\u1ec3 b\u00e1n, chuy\u1ec3n nh\u01b0\u1ee3ng; cho thu\u00ea, cho thu\u00ea l\u1ea1i, cho thu\u00ea mua b\u1ea5t \u0111\u1ed9ng s\u1ea3n; th\u1ef1c hi\u1ec7n d\u1ecbch v\u1ee5 m\u00f4i gi\u1edbi b\u1ea5t \u0111\u1ed9ng s\u1ea3n; d\u1ecbch v\u1ee5 s\u00e0n giao d\u1ecbch b\u1ea5t \u0111\u1ed9ng s\u1ea3n; d\u1ecbch v\u1ee5 t\u01b0 v\u1ea5n b\u1ea5t \u0111\u1ed9ng s\u1ea3n ho\u1eb7c qu\u1ea3n l\u00fd b\u1ea5t \u0111\u1ed9ng s\u1ea3n nh\u1eb1m m\u1ee5c \u0111\u00edch sinh l\u1ee3i\u201d. Nh\u01b0 v\u1eady, vi\u1ec7c cho vay kinh doanh b\u1ea5t \u0111\u1ed9ng s\u1ea3n c\u1ee7a ng\u00e2n h\u00e0ng b\u1ecb x\u00e1c \u0111\u1ecbnh h\u1ec7 s\u1ed1 r\u1ee7i ro cao h\u01a1n, n\u00ean s\u1ebd gi\u1ea3m b\u1edbt d\u00f2ng v\u1ed1n l\u1edbn nh\u1ea5t \u0111\u1ed5 v\u00e0o th\u1ecb tr\u01b0\u1eddng n\u00e0y. Th\u1ecb tr\u01b0\u1eddng b\u1ea5t \u0111\u1ed9ng s\u1ea3n s\u1ebd \u0111\u01b0\u1ee3c b\u01a1m v\u1ed1n \u00edt h\u01a1n, nh\u1ea5t l\u00e0 t\u1eeb c\u00e1c ng\u00e2n h\u00e0ng c\u00f3 t\u1ef7 l\u1ec7 v\u1ed1n cho vay kinh doanh b\u1ea5t \u0111\u1ed9ng s\u1ea3n cao v\u00e0 \u0111\u1ed1i v\u1edbi c\u00e1c doanh nghi\u1ec7p b\u1ea5t \u0111\u1ed9ng s\u1ea3n vay v\u1ed1n ng\u00e2n h\u00e0ng nhi\u1ec1u.<\/p>\n

Ngo\u00e0i ra, m\u1ed9t s\u1ed1 n\u1ed9i dung kh\u00e1c c\u1ee7a Th\u00f4ng t\u01b0 36\/2014\/TT-NHNN \u0111ang \u0111\u01b0\u1ee3c d\u1ef1 ki\u1ebfn s\u1eeda \u0111\u1ed5i c\u0169ng \u00edt nhi\u1ec1u \u1ea3nh h\u01b0\u1edfng \u0111\u1ebfn vi\u1ec7c c\u1ea5p t\u00edn d\u1ee5ng \u0111\u1ec3 kinh doanh b\u1ea5t \u0111\u1ed9ng s\u1ea3n. Ch\u1eb3ng h\u1ea1n vi\u1ec7c b\u1ed5 sung th\u00eam ba tr\u01b0\u1eddng h\u1ee3p, n\u00e2ng t\u1ed5ng s\u1ed1 l\u00ean th\u00e0nh 22 tr\u01b0\u1eddng h\u1ee3p l\u00e0 ng\u01b0\u1eddi c\u00f3 li\u00ean quan (nhi\u1ec1u h\u01a1n 12 tr\u01b0\u1eddng h\u1ee3p so v\u1edbi quy \u0111\u1ecbnh c\u1ee7a Lu\u1eadt c\u00e1c t\u1ed5 ch\u1ee9c t\u00edn d\u1ee5ng n\u0103m 2010) c\u0169ng d\u1eabn \u0111\u1ebfn vi\u1ec7c h\u1ea1n ch\u1ebf t\u1ef7 l\u1ec7 c\u1ea5p t\u00edn d\u1ee5ng \u0111\u1ec3 kinh doanh b\u1ea5t \u0111\u1ed9ng s\u1ea3n \u0111\u1ed1i v\u1edbi m\u1ed9t s\u1ed1 kh\u00e1ch h\u00e0ng. Hay d\u1ef1 ki\u1ebfn gi\u1ea3m th\u1ea5p t\u1ef7 l\u1ec7 ngu\u1ed3n v\u1ed1n ng\u1eafn h\u1ea1n \u0111\u1ec3 cho vay trung h\u1ea1n v\u00e0 d\u00e0i h\u1ea1n xu\u1ed1ng c\u00f2n hai ph\u1ea7n ba so v\u1edbi hi\u1ec7n nay (v\u00ed d\u1ee5, t\u1eeb 60% xu\u1ed1ng 40% v\u1edbi c\u00e1c ng\u00e2n h\u00e0ng th\u01b0\u01a1ng m\u1ea1i) c\u0169ng l\u00e0m gi\u1ea3m \u0111\u00e1ng k\u1ec3 ph\u1ea7n v\u1ed1n cho vay trung, d\u00e0i h\u1ea1n kinh doanh b\u1ea5t \u0111\u1ed9ng s\u1ea3n.<\/p>\n

Tuy nhi\u00ean, vi\u1ec7c \u0111i\u1ec1u ch\u1ec9nh h\u1ec7 s\u1ed1 r\u1ee7i ro n\u00f3i tr\u00ean kh\u00f4ng nh\u1eb1m t\u00e1c \u0111\u1ed9ng \u0111\u1ebfn ho\u1ea1t \u0111\u1ed9ng \u201c\u0111\u1ea7u t\u01b0 b\u1ea5t \u0111\u1ed9ng s\u1ea3n\u201d, m\u1ed9t ph\u1ea7n quan tr\u1ecdng c\u1ee7a th\u1ecb tr\u01b0\u1eddng b\u1ea5t \u0111\u1ed9ng s\u1ea3n. Lu\u1eadt Kinh doanh b\u1ea5t \u0111\u1ed9ng s\u1ea3n kh\u00f4ng gi\u1ea3i th\u00edch th\u1ebf n\u00e0o l\u00e0 \u201c\u0111\u1ea7u t\u01b0 b\u1ea5t \u0111\u1ed9ng s\u1ea3n\u201d. Nh\u01b0ng qua gi\u1ea3i th\u00edch \u1edf tr\u00ean th\u00ec c\u00f3 th\u1ec3 hi\u1ec3u, \u0111\u1ea7u t\u01b0 b\u1ea5t \u0111\u1ed9ng s\u1ea3n ch\u1ec9 l\u00e0 th\u1ef1c hi\u1ec7n m\u1ed9t ph\u1ea7n c\u1ee7a ho\u1ea1t \u0111\u1ed9ng kinh doanh b\u1ea5t \u0111\u1ed9ng s\u1ea3n, g\u1ed3m ho\u1ea1t \u0111\u1ed9ng x\u00e2y d\u1ef1ng, mua, nh\u1eadn chuy\u1ec3n nh\u01b0\u1ee3ng b\u1ea5t \u0111\u1ed9ng s\u1ea3n \u0111\u1ec3 khai th\u00e1c, s\u1eed d\u1ee5ng m\u00e0 kh\u00f4ng nh\u1eb1m m\u1ee5c \u0111\u00edch \u0111\u1ec3 b\u00e1n, chuy\u1ec3n nh\u01b0\u1ee3ng hay cho thu\u00ea.<\/p>\n

Do \u0111\u00f3, vi\u1ec7c thay \u0111\u1ed5i h\u1ec7 s\u1ed1 r\u1ee7i ro \u0111\u1ed1i v\u1edbi cho vay kinh doanh b\u1ea5t \u0111\u1ed9ng s\u1ea3n h\u1ea7u nh\u01b0 kh\u00f4ng \u1ea3nh h\u01b0\u1edfng \u0111\u1ebfn vi\u1ec7c ng\u00e2n h\u00e0ng cho vay \u0111\u1ea7u t\u01b0 t\u00e0i s\u1ea3n c\u1ed1 \u0111\u1ecbnh l\u00e0 b\u1ea5t \u0111\u1ed9ng s\u1ea3n c\u1ee7a c\u00e1c doanh nghi\u1ec7p \u0111\u1ec3 ph\u1ee5c v\u1ee5 s\u1ea3n xu\u1ea5t kinh doanh (tr\u1eeb kinh doanh b\u1ea5t \u0111\u1ed9ng s\u1ea3n) c\u0169ng nh\u01b0 c\u00e1c kho\u1ea3n cho vay mua, x\u00e2y d\u1ef1ng, s\u1eeda ch\u1eefa hay thu\u00ea nh\u00e0 \u1edf \u0111\u1ec3 s\u1eed d\u1ee5ng, trong \u0111\u00f3 c\u00f3 c\u00e1c ch\u01b0\u01a1ng tr\u00ecnh v\u1ec1 nh\u00e0 \u1edf c\u1ee7a Nh\u00e0 n\u01b0\u1edbc tri\u1ec3n khai qua h\u1ec7 th\u1ed1ng ng\u00e2n h\u00e0ng.<\/p>\n

Bi\u1ebfn \u0111\u1ed9ng \u0111\u1ec3 \u1ed5n \u0111\u1ecbnh<\/strong><\/h5>\n

H\u1ec7 s\u1ed1 r\u1ee7i ro \u0111\u1ed1i v\u1edbi cho vay kinh doanh b\u1ea5t \u0111\u1ed9ng s\u1ea3n \u0111\u00e3 t\u1eebng \u0111\u01b0\u1ee3c quy \u0111\u1ecbnh l\u00e0 100% theo Quy\u1ebft \u0111\u1ecbnh s\u1ed1 457\/2005\/Q\u0110-NHNN. G\u1ea7n n\u0103m n\u0103m sau \u0111\u00f3, n\u00f3 \u0111\u00e3 \u0111\u01b0\u1ee3c t\u0103ng l\u00ean 250% theo Th\u00f4ng t\u01b0 s\u1ed1 13\/2010\/TT-NHNN, r\u1ed3i sau b\u1ed1n n\u0103m l\u1ea1i \u0111\u01b0\u1ee3c gi\u1ea3m xu\u1ed1ng 100% theo Th\u00f4ng t\u01b0 s\u1ed1 36\/2014\/TT-NHNN. V\u00e0 m\u1edbi ch\u1ec9 c\u00f3 m\u1ed9t n\u0103m th\u1ef1c hi\u1ec7n \u0111\u00e3 l\u1ea1i d\u1ef1 ki\u1ebfn t\u0103ng l\u00ean 250%. Nh\u01b0 v\u1eady, ch\u00ednh s\u00e1ch \u0111\u01b0\u1ee3c \u0111i\u1ec1u ch\u1ec9nh theo h\u01b0\u1edbng khuy\u1ebfn kh\u00edch hay h\u1ea1n ch\u1ebf c\u1ea5p v\u1ed1n cho ho\u1ea1t \u0111\u1ed9ng kinh doanh b\u1ea5t \u0111\u1ed9ng s\u1ea3n, ph\u00f9 h\u1ee3p v\u1edbi y\u00eau c\u1ea7u qu\u1ea3n l\u00fd r\u1ee7i ro c\u1ee7a ng\u00e2n h\u00e0ng c\u0169ng nh\u01b0 di\u1ec5n bi\u1ebfn c\u1ee7a th\u1ecb tr\u01b0\u1eddng b\u1ea5t \u0111\u1ed9ng s\u1ea3n. Tuy nhi\u00ean, n\u1ebfu nh\u00ecn t\u1eeb kh\u00eda c\u1ea1nh th\u1ecb tr\u01b0\u1eddng, th\u00ec ch\u00ednh s\u00e1ch bi\u1ebfn \u0111\u1ed9ng h\u01a1i nhi\u1ec1u, qu\u00e1 nhanh v\u00e0 m\u1ed7i l\u1ea7n thay \u0111\u1ed5i v\u1edbi m\u1ee9c qu\u00e1 l\u1edbn (2,5 l\u1ea7n).<\/p>\n

T\u1ef7 l\u1ec7, th\u1eddi \u0111i\u1ec3m c\u00f3 hi\u1ec7u l\u1ef1c v\u00e0 th\u1eddi h\u1ea1n duy tr\u00ec h\u1ec7 s\u1ed1 r\u1ee7i ro cho vay kinh doanh b\u1ea5t \u0111\u1ed9ng s\u1ea3n l\u00e0 vi\u1ec7c c\u1ee7a ng\u00e0nh ng\u00e2n h\u00e0ng, nh\u01b0ng s\u1ebd \u1ea3nh h\u01b0\u1edfng nhi\u1ec1u \u0111\u1ebfn th\u1ecb tr\u01b0\u1eddng b\u1ea5t \u0111\u1ed9ng s\u1ea3n \u0111\u01b0\u1ee3c \u201cgi\u1eef \u1ea5m\u201d hay \u201ch\u1ea1 nhi\u1ec7t\u201d, \u0111\u01b0\u1ee3c \u201ch\u00e2m n\u00f3ng\u201d hay \u201cl\u00e0m m\u00e1t\u201d.<\/p>\n

V\u1edbi th\u1ef1c tr\u1ea1ng th\u1ecb tr\u01b0\u1eddng b\u1ea5t \u0111\u1ed9ng s\u1ea3n v\u1eeba m\u1edbi tho\u00e1t kh\u1ecfi t\u00ecnh tr\u1ea1ng \u0111\u00f3ng b\u0103ng ch\u01b0a l\u00e2u, th\u00ec c\u1ea7n xem x\u00e9t \u0111\u1ec3 m\u1ed9t th\u1eddi gian n\u1eefa m\u1edbi thay \u0111\u1ed5i h\u1ec7 s\u1ed1 r\u1ee7i ro n\u00e0y v\u00e0 ch\u1ec9 n\u00ean t\u0103ng t\u1eeb 150% l\u00ean 200%, ch\u1ee9 kh\u00f4ng n\u00ean t\u0103ng v\u1ecdt l\u00ean 250%. Ngo\u00e0i ra, c\u1ea7n x\u00e1c \u0111\u1ecbnh r\u00f5 r\u00e0ng h\u01a1n gi\u1eefa hai ho\u1ea1t \u0111\u1ed9ng \u0111\u1ea7u t\u01b0 v\u00e0 kinh doanh b\u1ea5t \u0111\u1ed9ng s\u1ea3n, \u0111\u1ec3 tr\u00e1nh g\u00e2y ra nh\u1eefng t\u00e1c \u0111\u1ed9ng x\u1ea5u c\u1ea3n tr\u1edf ho\u1ea1t \u0111\u1ed9ng \u0111\u1ea7u t\u01b0 b\u1ea5t \u0111\u1ed9ng s\u1ea3n ph\u1ee5c v\u1ee5 s\u1ea3n xu\u1ea5t, kinh doanh v\u00e0 nhu c\u1ea7u v\u1ec1 nh\u00e0 \u1edf thi\u1ebft y\u1ebfu c\u1ee7a ng\u01b0\u1eddi ti\u00eau d\u00f9ng.<\/p>\n

 <\/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>, Tr\u1ecdng t\u00e0i vi\u00ean VIAC.\u00a0<\/strong><\/p>\n

——<\/p>\n

Th\u1eddi b\u00e1o Kinh t\u1ebf S\u00e0i G\u00f2n (S\u1ef1 ki\u1ec7n & V\u1ea5n \u0111\u1ec1) 18-02-2016 (s\u1ed1 1.314):<\/em><\/strong><\/p>\n

http:\/\/www.thesaigontimes.vn\/142383\/He-so-cua-ngan-hang-he-qua-cua-thi-truong.html<\/a><\/em>","protected":false},"excerpt":{"rendered":"

H\u1ec7 s\u1ed1 c\u1ee7a ng\u00e2n h\u00e0ng, h\u1ec7 qu\u1ea3 c\u1ee7a th\u1ecb tr\u01b0\u1eddng (KTSG) – H\u1ec7 s\u1ed1 r\u1ee7i ro \u0111\u1ed1i v\u1edbi \u201cc\u00e1c kho\u1ea3n ph\u1ea3i \u0111\u00f2i \u0111\u1ec3 kinh doanh b\u1ea5t \u0111\u1ed9ng s\u1ea3n\u201d \u0111ang \u0111\u01b0\u1ee3c Ng\u00e2n h\u00e0ng Nh\u00e0 n\u01b0\u1edbc d\u1ef1 ki\u1ebfn \u0111i\u1ec1u ch\u1ec9nh t\u1eeb 150% l\u00ean 250% \u0111\u00e3 ph\u00e1t \u0111i t\u00edn hi\u1ec7u c\u1ea7n t\u0103ng c\u01b0\u1eddng ki\u1ec3m so\u00e1t r\u1ee7i ro cho […]<\/p>\n","protected":false},"author":7,"featured_media":4652,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":""},"categories":[14,26],"tags":[42,36],"class_list":["post-4651","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-nghien-cuu-bao-chi","category-legal-media","tag-luat-su-dat-dai","tag-luat-su-ngan-hang"],"acf":[],"yoast_head":"\n197. 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