{"id":4928,"date":"2012-05-23T00:03:31","date_gmt":"2012-05-22T17:03:31","guid":{"rendered":"https:\/\/anvilaw.com\/vi\/?p=4928"},"modified":"2024-11-04T16:57:01","modified_gmt":"2024-11-04T09:57:01","slug":"152-doanh-nghiep-kinh-hoang-ngan-hang-khiep-so","status":"publish","type":"post","link":"https:\/\/anvilaw.com\/vi\/152-doanh-nghiep-kinh-hoang-ngan-hang-khiep-so\/","title":{"rendered":"152. Doanh nghi\u1ec7p kinh ho\u00e0ng, ng\u00e2n h\u00e0ng khi\u1ebfp s\u1ee3."},"content":{"rendered":"

Doanh nghi\u1ec7p kinh ho\u00e0ng, ng\u00e2n h\u00e0ng khi\u1ebfp s\u1ee3<\/span><\/h4>\n
(TBNH) – H\u00e0ng ng\u00e0n doanh nghi\u1ec7p (DN) \u0111\u00e3 \u0111\u00f3ng c\u1eeda, h\u00e0ng v\u1ea1n DN \u0111ang g\u1eafng g\u01b0\u1ee3ng g\u1ed3ng gi\u1eef c\u00e1nh c\u1eeda ch\u1ec9 mu\u1ed1n s\u1eadp d\u01b0\u1edbi s\u1ee9c n\u1eb7ng c\u1ee7a th\u1ecb tr\u01b0\u1eddng. Kinh doanh (KD) \u0111\u00ecnh tr\u1ec7, thua l\u1ed7, thi\u1ebfu v\u1ed1n tr\u1ea7m tr\u1ecdng. Ch\u1ea1y \u0111\u1ebfn ng\u00e2n h\u00e0ng (NH) k\u00eau c\u1ee9u, th\u00ec NH l\u1ea1i kh\u00f4ng m\u1edf c\u1eeda. Kh\u00f4ng vay \u0111\u01b0\u1ee3c v\u1ed1n th\u00ec ch\u1ebft, nh\u01b0ng n\u1ebfu ph\u1ea3i vay n\u1eb7ng l\u00e3i th\u00ec c\u0169ng ch\u1ebft. B\u1ee9c tranh \u0111\u00f3 l\u00e0 th\u1ef1c t\u1ebf, nh\u01b0ng m\u1edbi ch\u1ec9 l\u00e0 m\u1ed9t n\u1eeda s\u1ef1 th\u1eadt m\u00e0 th\u00f4i. <\/em><\/strong><\/h5>\n
B\u00e0i 1: C\u1ea3 l\u00e0ng c\u00f9ng kh\u1ed1n kh\u00f3<\/strong><\/h5>\n

L\u00e3i su\u1ea5t l\u00e0 chuy\u1ec7n s\u1ed1ng c\u00f2n c\u1ee7a c\u1ea3 doanh nghi\u1ec7p l\u1eabn ng\u00e2n h\u00e0ng. Doanh nghi\u1ec7p qu\u1ea3 quy\u1ebft, kh\u00f4ng vay \u0111\u01b0\u1ee3c th\u00ec ch\u1ebft. Ng\u00e2n h\u00e0ng c\u0169ng kh\u1eb3ng \u0111\u1ecbnh, gi\u1ea3i ng\u00e2n kh\u00f4ng n\u1ed5i th\u00ec c\u0169ng b\u0103ng h\u00e0. V\u1eady m\u00e0 doanh nghi\u1ec7p th\u00ec c\u1ee9 k\u00eau l\u00e3i qu\u00e1 cao, ng\u00e2n h\u00e0ng th\u00ec l\u1ea1i b\u1ea3o kh\u00f4ng h\u1ea1 \u0111\u01b0\u1ee3c. B\u00ean n\u00e0y l\u00e0 n\u1ed7i kh\u1ed1n c\u1ee7a doanh nghi\u1ec7p. B\u00ean kia l\u00e0 c\u00e1i kh\u00f3 c\u1ee7a ng\u00e2n h\u00e0ng. V\u00e0 th\u1ebf l\u00e0 c\u1ea3 l\u00e0ng c\u00f9ng kh\u1ed1n kh\u00f3.<\/em><\/p>\n

N\u1ed7i kh\u1ed1n c\u1ee7a doanh nghi\u1ec7p <\/strong><\/h5>\n

Kh\u00f4ng ph\u1ea3i b\u00e2y gi\u1edd DN m\u1edbi kh\u00f3 v\u00ec kh\u00f4ng vay \u0111\u01b0\u1ee3c ti\u1ec1n, m\u00e0 kh\u00f3 v\u00ec v\u1ed1n \u0111\u00e3 vay r\u1ed3i nh\u01b0ng \u0111ang ch\u1ebft d\u00ed \u1edf h\u00e0ng t\u1ed3n kho, nguy\u00ean v\u1eadt li\u1ec7u hay h\u00e0ng ho\u00e1 b\u00e1n ch\u1ecbu \u0111\u00e2u \u0111\u00f3. Con s\u1ed1 \u01b0\u1edbc ch\u1eebng c\u00f3 t\u1edbi 70% v\u1ed1n kinh doanh c\u1ee7a DN ph\u1ee5 thu\u1ed9c v\u00e0o v\u1ed1n vay NH . Trong b\u1ed1i c\u1ea3nh suy tho\u00e1i n\u00e0y, ng\u01b0\u1eddi mu\u1ed1n vay th\u00ec \u00edt, m\u00e0 k\u1ebb s\u1ee3 vay th\u00ec nhi\u1ec1u, b\u1edfi c\u00f3 vay th\u00eam v\u1ed1n th\u00ec c\u0169ng ch\u1eb3ng b\u00e1n \u0111\u01b0\u1ee3c h\u00e0ng, s\u1ed1ng \u0111\u00e2u ch\u01b0a th\u1ea5y, c\u00f3 khi l\u1ea1i c\u00f2n \u201c\u0111i\u201d nhanh h\u01a1n.<\/p>\n

DN vay v\u1edbi l\u00e3i su\u1ea5t 20%\/n\u0103m, th\u00ec ph\u1ea3i l\u00e0m ra l\u00e3i hai m\u1ea5y ph\u1ea7n tr\u0103m l\u00e0 m\u1ed9t b\u1eb1ng ch\u1ee9ng lu\u00f4n \u0111\u01b0\u1ee3c n\u00eau ra. Nh\u01b0ng n\u00f3i th\u1ebf e l\u00e0 \u0111\u00e1nh tr\u00e1o kh\u00e1i ni\u1ec7m kinh t\u1ebf, l\u00e0 l\u1ea5y l\u1ee3i nhu\u1eadn tr\u1ea3 l\u00e3i vay, trong khi ti\u1ec1n l\u00e3i vay lu\u00f4n l\u00e0 c\u1ea5u th\u00e0nh n\u00ean chi ph\u00ed c\u1ee7a DN. Nh\u01b0 th\u1ebf kh\u00e1c n\u00e0o cho r\u1eb1ng, c\u1ee9 t\u0103ng gi\u00e1 x\u0103ng 20%, th\u00ec t\u1eafc xi ph\u1ea3i c\u00f3 l\u00e3i 21% tr\u1edf l\u00ean m\u1edbi l\u0103n b\u00e1nh. K\u1ec3 c\u1ea3 100% v\u1ed1n KD c\u1ee7a DN \u0111i vay NH, th\u00ec c\u0169ng kh\u00f4ng ph\u1ea3i l\u00e0 ph\u00e9p c\u1ed9ng \u0111\u01a1n gi\u1ea3n nh\u01b0 v\u1eady.<\/p>\n

C\u00e1c doanh nghi\u1ec7p v\u1eeba v\u00e0 nh\u1ecf (DNVVN) lu\u00f4n than kh\u00f4ng ti\u1ebfp c\u1eadn \u0111\u01b0\u1ee3c v\u1ed1n vay ng\u00e2n h\u00e0ng. \u0110i\u1ec1u \u0111\u00f3 c\u0169ng kh\u00f4ng h\u1ec1 c\u00f3 g\u00ec l\u00e0 b\u1ea5t th\u01b0\u1eddng. DN c\u00e0ng l\u1edbn th\u00ec c\u00e0ng vay nhi\u1ec1u v\u00e0 c\u00e0ng nh\u1ecf th\u00ec c\u00e0ng \u00edt vay. N\u01b0\u1edbc M\u1ef9, n\u1ec1n kinh t\u1ebf l\u1edbn nh\u1ea5t th\u1ebf gi\u1edbi, th\u00ec c\u0169ng vay m\u01b0\u1ee3n v\u00e0o lo\u1ea1i nhi\u1ec1u nh\u1ea5t qu\u1ea3 \u0111\u1ea5t. Ph\u1ea7n l\u1edbn DN c\u1ee7a ch\u00fang ta thu\u1ed9c lo\u1ea1i nh\u1ecf v\u00e0 si\u00eau nh\u1ecf. Trong \u0111\u00f3 r\u1ea5t nhi\u1ec1u doanh nghi\u1ec7p l\u00e0m \u0103n nh\u1ecf, kh\u00f4ng c\u1ea7n vay v\u00e0 kh\u00f4ng d\u00e1m vay, k\u1ec3 c\u1ea3 nh\u1eefng l\u00fac vay d\u1ec5 v\u00e0 l\u00e3i th\u1ea5p. Khi thu\u1eadn \u0111\u00e3 kh\u00f4ng ham, th\u1eddi kh\u00f3 c\u00e0ng ch\u1eb3ng mu\u1ed1n.<\/p>\n

Ngay c\u1ea3 nh\u1eefng DN m\u1ea1nh kho\u1ebb h\u00e0ng \u0111\u1ea7u, \u0111\u01b0\u1ee3c vay v\u1edbi m\u1ee9c l\u00e3i su\u1ea5t \u01b0u \u0111\u00e3i nh\u1ea5t c\u0169ng s\u1ee3 vay m\u01b0\u1ee3n. Do \u0111\u00f3, vay \u0111\u01b0\u1ee3c ng\u00e2n h\u00e0ng v\u00e0 vay v\u1edbi l\u00e3i su\u1ea5t th\u1ea5p, c\u0169ng ch\u1ec9 h\u00e0 h\u01a1i, ti\u1ebfp s\u1ee9c \u0111\u01b0\u1ee3c ph\u1ea7n n\u00e0o cho \u0111\u1ea7u v\u00e0o c\u1ee7a s\u1ea3n xu\u1ea5t, kinh doanh. Trong khi, v\u1ea5n \u0111\u1ec1 m\u1ea5u ch\u1ed1t l\u00e0 \u1edf ch\u1ed7, kh\u00f4ng m\u1edf \u0111\u01b0\u1ee3c c\u00e1nh c\u1eeda ti\u00eau th\u1ee5 h\u00e0ng ho\u00e1 \u0111\u1ea7u ra c\u1ee7a DN.<\/p>\n

C\u00e1i kh\u00f3 c\u1ee7a ng\u00e2n h\u00e0ng<\/strong><\/h5>\n

Nhi\u1ec1u l\u1eafm nh\u1eefng \u00fd ki\u1ebfn o\u00e1n th\u00e1n NH, \u0103n d\u1ea7y, l\u00e3i l\u1edbn, s\u1ed1ng kho\u1ebb m\u1ed9t m\u00ecnh, thi\u1ebfu thi\u1ec7n ch\u00ed, k\u00e9m h\u1ed7 tr\u1ee3, \u00edt quan t\u00e2m, kh\u00f4ng chia s\u1ebb, ch\u1eb3ng th\u00f4ng c\u1ea3m v\u1edbi n\u1ed7i kh\u00f3 kh\u0103n c\u1ee7a DN. Nghi\u00eang h\u1eb3n v\u1ec1 ph\u00eda DN, k\u00eau than cho n\u1ed7i th\u1ed1ng kh\u1ed5 c\u1ee7a m\u1ed9t b\u00ean, kh\u00f4ng c\u00f3 g\u00ec sai c\u1ea3, nh\u01b0ng l\u1ea1i m\u1edbi ch\u1ec9 l\u00e0 th\u1ea5y m\u1ed9t n\u1eeda v\u1ea5n \u0111\u1ec1.<\/p>\n

Ch\u1eb3ng ng\u00e2n h\u00e0ng n\u00e0o kh\u00f4ng mu\u1ed1n cho vay, kh\u00f4ng b\u1ecb phanh th\u00ec \u00e0o \u1ea1t t\u0103ng tr\u01b0\u1edfng t\u00edn d\u1ee5ng. M\u1edbi \u0111\u00e2y th\u00f4i, NH n\u00e0o c\u0169ng mu\u1ed1n v\u01b0\u1ee3t l\u00ean tr\u00ean ch\u1ec9 ti\u00eau t\u0103ng tr\u01b0\u1edfng 0-8-15 v\u00e0 17% do NHNN kh\u1ed1ng ch\u1ebf. X\u01b0a nay, NH v\u1eabn lu\u00f4n s\u0103n \u0111\u00f3n, tranh gi\u00e0nh nh\u1eefng DN t\u1ed1t, nh\u1eefng ph\u01b0\u01a1ng \u00e1n s\u1ea3n xu\u1ea5t kinh doanh kh\u1ea3 thi, hi\u1ec7u qu\u1ea3 cao. Gi\u1ed1ng nh\u01b0 DN, NH c\u0169ng mong mu\u1ed1n b\u00e1n th\u1eadt \u0111\u1eaft h\u00e0ng, nh\u01b0ng m\u00e0 \u201cth\u1ef1c\u201d b\u1ea5t t\u00f2ng t\u00e2m.<\/p>\n

Trong nh\u1eefng giai \u0111o\u1ea1n kh\u00f3 kh\u0103n nh\u01b0 hi\u1ec7n nay, DN k\u00eau kh\u00f3 b\u00e1n h\u00e0ng m\u1ed9t, th\u00ec NH c\u00f2n kh\u00f3 g\u1ea5p m\u01b0\u1eddi. DN b\u00e1n \u0111\u01b0\u1ee3c h\u00e0ng l\u00e0 \u0111i\u1ec1u m\u1eebng, nh\u01b0ng n\u1ebfu b\u00e1n ch\u1ecbu th\u00ec l\u1ea1i vui \u00edt bu\u1ed3n nhi\u1ec1u, th\u1eadm ch\u00ed kh\u00f4ng d\u00e1m b\u00e1n ch\u1ecbu m\u1ed9t khi kh\u00f4ng ch\u1eafc thu \u0111\u01b0\u1ee3c ti\u1ec1n v\u1ec1. NH b\u00e1n ch\u1ecbu 100%, khi th\u1ecb tr\u01b0\u1eddng thu\u1eadn l\u1ee3i c\u00f2n kh\u00f3 thu h\u1ed3i v\u1ed1n, \u0111ang th\u1eddi kinh t\u1ebf ng\u1eafc ngo\u1ea3i, th\u00ec y\u00ean t\u00e2m c\u00f2n \u0111\u01b0\u1ee3c m\u1ea5y ph\u1ea7n tr\u0103m? DN mu\u1ed1n b\u00e1n h\u00e0ng, th\u00ec ph\u1ea3i l\u1ea5y \u0111\u01b0\u1ee3c l\u00f2ng tin c\u1ee7a ng\u01b0\u1eddi mua, c\u00f2n NH th\u00ec ng\u01b0\u1ee3c l\u1ea1i, ch\u1ec9 ng\u01b0\u1eddi n\u00e0o l\u1ea5y \u0111\u01b0\u1ee3c l\u00f2ng tin c\u1ee7a b\u00ean b\u00e1n ti\u1ec1n, th\u00ec m\u1edbi \u0111\u01b0\u1ee3c mua h\u00e0ng, t\u1ee9c l\u00e0 vay \u0111\u01b0\u1ee3c ti\u1ec1n. DN b\u00e1n xong h\u00e0ng th\u00ec h\u1ed3 h\u1edfi y\u00ean t\u00e2m, v\u00ec \u0111\u00e3 \u0111\u1ed5i \u0111\u01b0\u1ee3c h\u00e0ng \u0111\u1ec3 l\u1ea5y ti\u1ec1n, c\u00f2n NH cho vay r\u1ed3i, m\u1edbi b\u1eaft \u0111\u1ea7u \u0111\u1ee9ng ng\u1ed3i kh\u00f4ng y\u00ean, v\u00ec \u0111\u00e3 \u0111\u1ed5i ti\u1ec1n th\u1eadt \u0111\u1ec3 l\u1ea5y v\u1ec1 m\u1ea5y t\u1edd gi\u1ea5y cam k\u1ebft.<\/p>\n

Ch\u1eb3ng NH n\u00e0o mu\u1ed1n huy \u0111\u1ed9ng l\u00e3i su\u1ea5t cao, \u0111\u1ec3 r\u1ed3i bu\u1ed9c ph\u1ea3i cho vay v\u1edbi l\u00e3i su\u1ea5t cao h\u01a1n. B\u00e1n \u0111\u1eaft th\u00ec \u1eaft \u1ebf h\u00e0ng m\u1edbi ch\u1ec9 l\u00e0 chuy\u1ec7n nh\u1ecf. Chuy\u1ec7n \u0111\u00e1ng ng\u1ea1i c\u1ee7a NH l\u00e0, l\u00e3i su\u1ea5t c\u00e0ng cao th\u00ec ng\u01b0\u1eddi vay c\u00e0ng kh\u00f3 tr\u1ea3 n\u1ee3 v\u00e0 c\u00e0ng kh\u00f3 thu h\u1ed3i v\u1ed1n.<\/p>\n

Nh\u01b0ng l\u00e3i su\u1ea5t th\u1ebf n\u00e0o l\u00e0 cao v\u1edbi \u0111\u1eaft v\u00e0 bao nhi\u00eau l\u00e0 th\u1ea5p v\u1edbi r\u1ebb? Tru\u1edbc h\u1ebft, c\u1ee9 vi\u1ec7c c\u1ed9ng th\u00eam v\u00e0i ba ph\u1ea7n tr\u0103m v\u00e0o t\u1ef7 l\u1ec7 l\u1ea1m ph\u00e1t (c\u1ea3 th\u1ef1c t\u1ebf v\u00e0 k\u1ef3 v\u1ecdng), th\u00ec ra l\u00e3i su\u1ea5t huy \u0111\u1ed9ng, r\u1ed3i th\u00eam v\u00e0i ba ph\u1ea7n tr\u0103m n\u1eefa, th\u00ec s\u1ebd th\u00e0nh l\u00e3i su\u1ea5t cho vay. V\u1eady n\u00ean t\u1ea5t nhi\u00ean l\u00e0 l\u00e3i su\u1ea5t ph\u1ea3i n\u1ed5i theo l\u1ea1m ph\u00e1t. N\u1ebfu v\u00ed l\u00e3i su\u1ea5t huy \u0111\u1ed9ng nh\u01b0 n\u01b0\u1edbc, l\u00e3i su\u1ea5t cho vay t\u1ef1a thuy\u1ec1n, th\u00ec n\u01b0\u1edbc l\u00ean, thuy\u1ec1n l\u00ean, nh\u01b0ng thuy\u1ec1n kh\u00f4ng th\u1ec3 t\u00e1ch r\u1eddi h\u1eb3n kh\u1ecfi m\u1eb7t n\u01b0\u1edbc, ngo\u1ea1i tr\u1eeb v\u1edbi l\u00e3i su\u1ea5t t\u00edn d\u1ee5ng \u0111en. Khi n\u00e0o th\u00e2y ma l\u1ea1m ph\u00e1t cao c\u00f2n n\u1eb1m \u0111\u00f3 v\u00e0 b\u00f3ng ma l\u1ea1m ph\u00e1t cao v\u1eabn c\u00f2n r\u00ecnh r\u1eadp, th\u00ec c\u00e1i gi\u00e1 c\u1ee7a l\u00e3i su\u1ea5t hi\u1ec3n nhi\u00ean v\u1eabn c\u1ee9 l\u1eebng l\u1eefng.<\/p>\n

B\u00e0i 2: Th\u1ecb tr\u01b0\u1eddng ch\u1eb3ng c\u1ee7a ri\u00eang ai<\/strong><\/h4>\n

Lu\u1eadt s\u01b0<\/span><\/a> Tr\u01b0\u01a1ng Thanh \u0110\u1ee9c<\/a>,<\/a> Gi\u00e1m \u0111\u1ed1c C\u00f4ng ty Lu\u1eadt<\/a> ANVI<\/a>, Tr\u1ecdng t\u00e0i vi\u00ean VIAC.<\/em><\/strong><\/p>\n

Kh\u00f4ng ch\u1ec9 c\u00e1c DN, m\u00e0 ngay d\u01b0 lu\u1eadn c\u0169ng cho r\u1eb1ng \u201cNH \u0111ang s\u1ed1ng tr\u00ean l\u01b0ng DN\u201d. Tr\u00ean th\u1ef1c t\u1ebf, l\u1ee3i nhu\u1eadn NH c\u00f3 qu\u00e1 cao \u0111\u1ec3 s\u1ed1ng sung s\u01b0\u1edbng, trong khi c\u00e1c DN \u0111ang \u201cch\u1ebft h\u1eb3n\u201d, hay \u201cch\u1ebft l\u00e2m s\u00e0ng\u201d nh\u01b0 m\u1ecdi ng\u01b0\u1eddi v\u1eabn \u201cbu\u1ed9c t\u1ed9i\u201d hay kh\u00f4ng, l\u1ea1i l\u00e0 m\u1ed9t c\u00e2u chuy\u1ec7n d\u00e0i\u2026 <\/em><\/strong><\/h5>\n
Ng\u01b0 \u00f4ng \u0111\u1eafc l\u1ee3i?<\/strong><\/h5>\n

D\u01b0 lu\u1eadn l\u00ean \u00e1n: Huy \u0111\u1ed9ng 12%, cho vay 18 – 20%\/n\u0103m, th\u00ec NH \u0103n h\u1ebft ph\u1ea7n c\u1ee7a DN . Nh\u01b0ng \u0111\u1ea5y c\u0169ng ch\u1ec9 l\u00e0 nh\u1eefng con s\u1ed1 ch\u01b0a bi\u1ebft n\u00f3i. Mu\u1ed1n cho vay ho\u00e0 v\u1ed1n, th\u00ec ph\u1ea3i c\u1ed9ng v\u00e0o l\u00e3i su\u1ea5t huy \u0111\u1ed9ng, n\u00e0o d\u1ef1 tr\u1eef b\u1eaft bu\u1ed9c, n\u00e0o t\u1ef7 l\u1ec7 an to\u00e0n, n\u00e0o d\u1ef1 ph\u00f2ng r\u1ee7i ro v\u00e0 c\u00f2n nhi\u1ec1u chi ph\u00ed t\u1ed1i thi\u1ec3u kh\u00e1c. V\u00e0 ngu\u1ed3n c\u01a1n c\u1ee7a v\u1ea5n \u0111\u1ec1 kh\u00f4ng th\u1ec3 b\u1ecf qua, \u0111\u00f3 l\u00e0 l\u00e3i su\u1ea5t huy \u0111\u1ed9ng v\u1eabn v\u01b0\u1ee3t xa h\u00e0ng r\u00e0o 12%\/n\u0103m.<\/p>\n

T\u1eeb khi c\u00f3 tr\u1ea7n 14%, r\u1ed3i 13% v\u00e0 nay l\u00e0 12%\/n\u0103m, g\u1ea7n nh\u01b0 m\u1ecdi n\u01a1i, m\u1ecdi l\u00fac \u0111\u1ec1u ni\u00eam y\u1ebft k\u1ecbch tr\u1ea7n. C\u1ee9 d\u01b0\u1edbi 1 th\u00e1ng l\u00e0 5%\/n\u0103m, b\u1ea5t k\u1ec3 \u00edt nh\u1ea5t cho 1 ng\u00e0y hay nhi\u1ec1u nh\u1ea5t l\u00e0 29 ng\u00e0y; c\u1ee9 t\u1eeb 1 th\u00e1ng tr\u1edf l\u00ean l\u00e0 12%\/n\u0103m, b\u1ea5t bi\u1ebft \u0111\u00f3 l\u00e0 30 ng\u00e0y hay 300 ng\u00e0y v\u00e0 v\u1edbi m\u1ecdi s\u1ed1 ti\u1ec1n nhi\u1ec1u hay \u00edt. \u0110\u00f4i khi c\u00f3 NH y\u1ebft gi\u00e1 d\u01b0\u1edbi 12%, nh\u01b0ng th\u1ef1c ch\u1ea5t v\u1eabn lu\u00f4n k\u1ecbch tr\u1ea7n. Ch\u1eb3ng qua l\u00e0 \u0111\u1ec3 v\u1eeba kh\u00edt tr\u1ea7n khi c\u1ed9ng th\u00eam gi\u00e1 tr\u1ecb qu\u00e0 c\u00e1p khuy\u1ebfn m\u1ea1i. N\u1ebfu theo l\u1ebd th\u01b0\u1eddng, th\u00ec ai c\u0169ng mu\u1ed1n mua r\u1ebb, b\u00e1n \u0111\u1eaft. Nh\u01b0ng khi mua h\u00e0ng, NH d\u00f9 kh\u00f4ng mu\u1ed1n, v\u1eabn bu\u1ed9c ph\u1ea3i tr\u1ea3 \u0111\u1eaft nh\u1ea5t, b\u1edfi l\u1ebd \u0111\u01a1n gi\u1ea3n, \u0111\u00f3 m\u1edbi l\u00e0 gi\u00e1 th\u1ef1c c\u1ee7a th\u1ecb tr\u01b0\u1eddng t\u1ef1 do. L\u00e3i su\u1ea5t th\u1ecb tr\u01b0\u1eddng ti\u1ec1n t\u1ec7 cao v\u00e0 lu\u00f4n cao h\u01a1n c\u00e1c lo\u1ea1i tr\u1ea7n, th\u1ef1c s\u1ef1 \u0111\u00e3 v\u00e0 \u0111ang l\u00e0 s\u1ef1 ph\u1ea3n \u00e1nh trung th\u1ef1c, ch\u00ednh x\u00e1c, kh\u00e1ch quan, t\u1ea5t y\u1ebfu c\u1ee7a th\u1ecb tr\u01b0\u1eddng, c\u1ee7a quy lu\u1eadt gi\u00e1 c\u1ea3, cung c\u1ea7u v\u00e0 r\u1ee7i ro. V\u1edbi s\u1ef1 c\u1ea1nh tranh th\u1eadt s\u1ef1, quy\u1ebft li\u1ec7t gi\u1eefa c\u00e1c NH , kh\u00f4ng h\u1ec1 c\u00f3 s\u1ef1 \u0111\u1ed9c quy\u1ec1n, ho\u00e0n to\u00e0n kh\u00f4ng c\u00f3 vi\u1ec7c li\u00ean k\u1ebft l\u00e0m gi\u00e1 \u0111\u1ec3 chi ph\u1ed1i, th\u00e2u t\u00f3m, khuynh \u0111\u1ea3o th\u1ecb tr\u01b0\u1eddng.<\/p>\n

V\u1eady th\u00ec t\u1ea1i sao NH v\u1eabn l\u00e3i cao ng\u1ea5t ng\u01b0\u1edfng? Ch\u1eb3ng qua, c\u0169ng ch\u1ec9 l\u00e0 nh\u1eefng con s\u1ed1 \u0111\u00e1nh l\u1eeba c\u1ea3m gi\u00e1c. V\u00e0i NH l\u00e3i nhi\u1ec1u th\u00ec khoe, c\u00f2n \u0111a s\u1ed1 l\u00e3i \u00edt th\u00ec che. \u0110\u1ec3 nh\u1eadn \u0111\u1ecbnh \u0111\u00fang cao th\u1ea5p, th\u00ec c\u1ea7n ph\u1ea3i t\u00ednh tr\u00ean t\u1ef7 l\u1ec7 \u0111\u1ed3ng v\u1ed1n \u0111\u1ea7u t\u01b0. L\u00e3i 1.000 t\u1ef7 l\u00e0 l\u1edbn \u0111\u1ed1i v\u1edbi NH c\u00f3 3.000 t\u1ef7 \u0111\u1ed3ng v\u1ed1n t\u1ef1 c\u00f3, nh\u01b0ng l\u1ea1i l\u00e0 nh\u1ecf \u0111\u1ed1i v\u1edbi s\u1ed1 v\u1ed1n 10.000 t\u1ef7 \u0111\u1ed3ng. M\u1ed9t NH t\u1ea7m c\u1ee1 trung b\u00ecnh, v\u1edbi s\u1ed1 v\u1ed1n \u201cti\u1ec1n t\u01b0\u01a1i th\u00f3c th\u1eadt\u201d 5.000 t\u1ef7 \u0111\u1ed3ng, n\u1ebfu c\u1ee9 qu\u1eb3ng h\u1ebft v\u00e0o g\u1eedi NH kh\u00e1c, th\u00ec c\u0169ng ki\u1ebfm \u0111\u01b0\u1ee3c non 1.000 t\u1ef7 \u0111\u1ed3ng ti\u1ec1n l\u00e3i v\u00e0o n\u0103m ngo\u00e1i. N\u1ebfu t\u00ednh t\u1ef7 su\u1ea5t l\u1ee3i nhu\u1eadn b\u00ecnh qu\u00e2n tr\u00ean v\u1ed1n, th\u00ec ch\u1ec9 c\u00f3 m\u1ed9t s\u1ed1 \u00edt NH l\u00e3i cao do l\u1ee3i th\u1ebf, c\u00f2n \u0111a s\u1ed1 c\u0169ng \u1edf m\u1ee9c th\u01b0\u1eddng th\u01b0\u1eddng b\u1eadc trung so v\u1edbi c\u1ea3 n\u1ec1n kinh t\u1ebf v\u00e0 trung b\u00ecnh th\u1ea5p so v\u1edbi c\u00e1c n\u01b0\u1edbc khu v\u1ef1c. Trong khi n\u1ee3 x\u1ea5u, r\u1ee7i ro ti\u1ec1m \u1ea9n th\u00ec v\u00e0o lo\u1ea1i d\u1eabn \u0111\u1ea7u th\u1ebf gi\u1edbi.<\/p>\n

NH kh\u00f4ng t\u1ef1 \u0111\u1ebb ra v\u1ed1n, m\u00e0 ch\u1ee7 y\u1ebfu l\u00e0 ph\u1ea3i \u0111i vay c\u1ee7a d\u00e2n c\u01b0 v\u00e0 DN. R\u1ed3i c\u0169ng v\u1edbi ch\u00ednh ngu\u1ed3n v\u1ed1n \u1ea5y, l\u1ea1i d\u00f9ng \u0111\u1ec3 cho vay DN v\u00e0 d\u00e2n c\u01b0. Ng\u01b0\u1eddi cho NH vay th\u00ec lu\u00f4n \u0111\u00f2i nh\u1eadn s\u1ed1 l\u00e3i cao nh\u1ea5t. Trong khi ng\u01b0\u1eddi \u0111i vay NH th\u00ec ch\u1ec9 mu\u1ed1n tr\u1ea3 m\u1ee9c l\u00e3i th\u1ea5p nh\u1ea5t. Ng\u1ed3i gi\u1eefa th\u1ebf tr\u1eadn nh\u01b0 v\u1eady, c\u1ed9ng v\u1edbi vi\u1ec7c ph\u1ea3i gi\u00e0nh gi\u1eadt nhau t\u1eebng kh\u00e1ch h\u00e0ng, th\u00ec NH c\u00f3 th\u1ec3 n\u00e0o tr\u1edf th\u00e0nh ng\u01b0 \u00f4ng \u0111\u1eafc l\u1ee3i?<\/p>\n

Tr\u1ea1ng \u2013 Ch\u00faa c\u00f9ng thuy\u1ec1n <\/strong><\/h5>\n

NH c\u0169ng l\u00e0 DN, hai b\u00ean lu\u00f4n ph\u1ea3i d\u1ef1a d\u1eabm v\u00e0o nhau, quan h\u1ec7 m\u1eadt thi\u1ebft, s\u1ed1ng c\u00f2n, c\u00f9ng ch\u1ecbu cu\u1ed3ng phong d\u1eef d\u1ed9i c\u1ee7a l\u1ea1m ph\u00e1t v\u00e0 l\u00e3i su\u1ea5t. V\u00ec v\u1eady, kh\u00f4ng c\u00f3 chuy\u1ec7n, kh\u00f3 kh\u0103n th\u00ec ch\u1ec9 DN ch\u1ebft, c\u00f2n NH s\u1ed1ng kho\u1ebb. DN ch\u1ebft ki\u1ec3u c\u1ee7a DN, NH ch\u1ebft ki\u1ec3u c\u1ee7a NH: Ch\u1ebft b\u00ed m\u1eadt v\u00e0 l\u1eb7ng l\u1ebd. X\u00e9t v\u1ec1 t\u1ed5ng th\u1ec3 chung, NH l\u00e0 t\u1ea7u to v\u1eefng ch\u1eafc, DN l\u00e0 thuy\u1ec1n nh\u1ecf m\u1ecfng manh.<\/p>\n

Theo quy \u0111\u1ecbnh c\u1ee7a Ch\u00ednh ph\u1ee7, m\u1ed9t DN l\u1edbn c\u00f3 s\u1ed1 v\u1ed1n t\u1eeb 100 t\u1ef7 \u0111\u1ed3ng tr\u1edf l\u00ean, c\u00f2n m\u1ed9t NH nh\u1ecf c\u0169ng ph\u1ea3i c\u00f3 s\u1ed1 v\u1ed1n \u0111i\u1ec1u l\u1ec7 t\u1ed1i thi\u1ec3u 3.000 t\u1ef7 \u0111\u1ed3ng. Tr\u01b0\u1edbc c\u01a1n b\u00e3o kinh ho\u00e0ng, nghi\u1ec7t ng\u00e3 c\u1ee7a th\u1ecb tr\u01b0\u1eddng, t\u1ea7u to h\u1eb3n l\u00e0 ph\u1ea3i v\u1eefng v\u00e0ng h\u01a1n thuy\u1ec1n nh\u1ecf. \u0110\u1eebng b\u1eaft t\u1ea7u to c\u1ee9 ph\u1ea3i \u0111\u1eafm c\u00f9ng, c\u00e0ng kh\u00f4ng \u0111\u01b0\u1ee3c \u0111\u1eafm tr\u01b0\u1edbc, m\u00e0 ph\u1ea3i \u0111\u1eafm cu\u1ed1i c\u00f9ng, \u0111\u1ec3 c\u00f2n c\u01a1 h\u1ed9i c\u1ee9u thuy\u1ec1n nh\u1ecf. DN v\u00e0 NH c\u0169ng ch\u1eb3ng kh\u00e1c g\u00ec c\u00e2u chuy\u1ec7n tr\u1ea1ng v\u00e0 ch\u00faa tr\u00ean c\u00f9ng m\u1ed9t con thuy\u1ec1n\u2026 th\u1ecb tr\u01b0\u1edfng<\/p>\n

C\u00f3 th\u1ec3 n\u00f3i, c\u01a1n b\u00e3o l\u00e3i su\u1ea5t cao ng\u1eadt ng\u01b0\u1ee1ng v\u00e0 dai d\u1eb3ng \u0111\u1ebfn m\u1ee9c l\u00e0m cho DN th\u00ec kinh ho\u00e0ng, c\u00f2n NH th\u00ec khi\u1ebfp s\u1ee3. Ai ph\u1ea3i c\u1ee9u ai v\u00e0 c\u1ee9u th\u1ebf n\u00e0o, th\u00ec ph\u1ea3i xem x\u00e9t s\u00f2ng ph\u1eb3ng d\u1ef1a tr\u00ean c\u01a1 ch\u1ebf th\u1ecb tr\u01b0\u1eddng. DN kh\u00f3 vay v\u1ed1n hay ph\u1ea3i cam ch\u1ecbu vay v\u1edbi l\u00e3i su\u1ea5t cao, th\u00ec c\u0169ng \u0111\u1ed3ng ngh\u0129a v\u1edbi vi\u1ec7c NH b\u1ebf t\u1eafc kh\u00f4ng cho vay \u0111\u01b0\u1ee3c v\u00e0 ph\u1ea3i \u0111\u1ed1i m\u1eb7t v\u1edbi r\u1ee7i ro ch\u1ea5t ng\u1ea5t. Theo U\u1ef7 ban Gi\u00e1m s\u00e1t T\u00e0i ch\u00ednh qu\u1ed1c gia, t\u0103ng tr\u01b0\u1edfng t\u00edn d\u1ee5ng \u0111\u1ebfn gi\u1eefa th\u00e1ng 4 b\u1ecb \u00e2m 1,71%, t\u1ee9c l\u00e0 NH kh\u00f4ng nh\u1eefng ch\u1eb3ng b\u00e1n th\u00eam \u0111\u01b0\u1ee3c \u0111\u1ed3ng v\u1ed1n n\u00e0o, m\u00e0 h\u00e0ng b\u00e1n \u0111i t\u1eeb n\u0103m ngo\u00e1i r\u1ed3i c\u00f2n b\u1ecb tr\u1ea3 l\u1ea1i. Ti\u1ec1n v\u1ed1n c\u1ee7a NH \u0111ang d\u01b0 th\u1eeba, \u1ebf \u1ea9m v\u00e0 \u0111ang \u0111\u1ee9ng tr\u01b0\u1edbc nguy c\u01a1: Kh\u00f4ng \u0111\u1ea9y \u0111\u01b0\u1ee3c ra th\u00ec ch\u1ebft v\u00ec l\u1ed7 v\u1ed1n (\u0111\u1ecdng v\u1ed1n), m\u00e0 tung ra th\u00ec c\u0169ng ch\u1ebft v\u00ec m\u1ea5t v\u1ed1n (n\u1ee3 x\u1ea5u). Nh\u01b0 v\u1eady, kh\u00f3 vay v\u00e0 l\u00e3i su\u1ea5t cao, \u0111\u00e2u c\u00f3 ph\u1ea3i l\u00e0 l\u1ed7i c\u1ee7a NH ?!.<\/p>\n

\u0110\u00f2i h\u1ecfi kh\u00e1ch quan l\u00e0 c\u1ea7n gi\u1ea3m v\u00e0 ph\u1ea3i gi\u1ea3m nhanh l\u00e3i su\u1ea5t, \u0111\u1ed3ng th\u1eddi v\u1edbi vi\u1ec7c ph\u1ea3i \u0111\u1ea9y m\u1ea1nh gi\u1ea3i ng\u00e2n t\u00edn d\u1ee5ng. Nh\u01b0ng, mu\u1ed1n gi\u1ea3m l\u00e3i su\u1ea5t th\u1eadt s\u1ef1, th\u00ec c\u1ea7n s\u1eed d\u1ee5ng c\u00e1c c\u00f4ng c\u1ee5 kinh t\u1ebf \u0111\u1ec3 t\u00e1c \u0111\u1ed9ng v\u00e0o th\u1ecb tr\u01b0\u1eddng, ch\u1ee9 kh\u00f4ng ph\u1ea3i l\u00e0 c\u1ee9 mong mu\u1ed1n gi\u1ea3m l\u00e3i v\u00e0 \u00e9p bu\u1ed9c quan h\u1ec7 b\u1eb1ng m\u1ec7nh l\u1ec7nh h\u00e0nh ch\u00ednh.<\/p>\n

L\u00e3i su\u1ea5t s\u1ebd gi\u1ea3m xu\u1ed1ng, nh\u01b0ng s\u1ebd ch\u1ec9 gi\u1ea3m theo \u0111\u00fang quy lu\u1eadt ri\u00eang c\u00f3, kh\u00e1ch quan v\u00e0 t\u1ea5t y\u1ebfu c\u1ee7a th\u1ecb tr\u01b0\u1eddng.<\/p>\n

\u00a0<\/em><\/strong>———————<\/p>\n

Lu\u1eadt s\u01b0<\/span><\/a> Tr\u01b0\u01a1ng Thanh \u0110\u1ee9c<\/a>,<\/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

B\u00e0i \u0111\u00e3 \u0111\u0103ng b\u00e1o:<\/h4>\n

Doanh nghi\u1ec7p kinh ho\u00e0ng, ng\u00e2n h\u00e0ng khi\u1ebfp s\u1ee3<\/h4>\n

DN c\u1ee9 k\u00eau l\u00e3i su\u1ea5t qu\u00e1 cao, ng\u00e2n h\u00e0ng l\u1ea1i b\u1ea3o kh\u00f4ng h\u1ea1 \u0111\u01b0\u1ee3c, t\u1ea1o n\u00ean m\u1ed9t d\u00e0n h\u1ee3p x\u01b0\u1edbng l\u1ea1c \u0111i\u1ec7u… <\/strong><\/h5>\n
B\u00e0i 1: C\u1ea3 l\u00e0ng c\u00f9ng kh\u1ed1n kh\u00f3<\/strong><\/h5>\n
N\u1ed7i kh\u1ed5 c\u1ee7a doanh nghi\u1ec7p<\/em><\/strong><\/h5>\n

Kh\u00f4ng ph\u1ea3i b\u00e2y gi\u1edd DN m\u1edbi kh\u00f3 v\u00ec kh\u00f4ng vay \u0111\u01b0\u1ee3c ti\u1ec1n, m\u00e0 kh\u00f3 v\u00ec v\u1ed1n \u0111\u00e3 vay r\u1ed3i nh\u01b0ng \u0111ang ch\u1ebft d\u00ed \u1edf h\u00e0ng t\u1ed3n kho, nguy\u00ean v\u1eadt li\u1ec7u hay h\u00e0ng ho\u00e1 b\u00e1n ch\u1ecbu \u0111\u00e2u \u0111\u00f3. Con s\u1ed1 \u01b0\u1edbc ch\u1eebng c\u00f3 t\u1edbi 70% v\u1ed1n kinh doanh c\u1ee7a DN ph\u1ee5 thu\u1ed9c v\u00e0o v\u1ed1n vay ng\u00e2n h\u00e0ng (NH). Trong b\u1ed1i c\u1ea3nh suy tho\u00e1i n\u00e0y, ng\u01b0\u1eddi mu\u1ed1n vay th\u00ec \u00edt, m\u00e0 k\u1ebb s\u1ee3 vay th\u00ec nhi\u1ec1u, b\u1edfi c\u00f3 vay th\u00eam v\u1ed1n th\u00ec c\u0169ng ch\u1eb3ng b\u00e1n \u0111\u01b0\u1ee3c h\u00e0ng, s\u1ed1ng \u0111\u00e2u ch\u01b0a th\u1ea5y, c\u00f3 khi l\u1ea1i c\u00f2n \u201c\u0111i\u201d nhanh h\u01a1n.<\/p>\n

DN vay v\u1edbi l\u00e3i su\u1ea5t 20%\/n\u0103m, th\u00ec ph\u1ea3i l\u00e0m ra l\u00e3i hai m\u1ea5y ph\u1ea7n tr\u0103m l\u00e0 m\u1ed9t b\u1eb1ng ch\u1ee9ng lu\u00f4n \u0111\u01b0\u1ee3c n\u00eau ra. Nh\u01b0ng n\u00f3i th\u1ebf e l\u00e0 \u0111\u00e1nh tr\u00e1o kh\u00e1i ni\u1ec7m kinh t\u1ebf, l\u00e0 l\u1ea5y l\u1ee3i nhu\u1eadn tr\u1ea3 l\u00e3i vay, trong khi ti\u1ec1n l\u00e3i vay lu\u00f4n l\u00e0 c\u1ea5u th\u00e0nh n\u00ean chi ph\u00ed c\u1ee7a DN. Nh\u01b0 th\u1ebf kh\u00e1c n\u00e0o cho r\u1eb1ng, c\u1ee9 t\u0103ng gi\u00e1 x\u0103ng 20%, th\u00ec t\u1eafc – xi ph\u1ea3i c\u00f3 l\u00e3i 21% tr\u1edf l\u00ean m\u1edbi l\u0103n b\u00e1nh. K\u1ec3 c\u1ea3 100% v\u1ed1n kinh doanh c\u1ee7a DN \u0111i vay NH, th\u00ec c\u0169ng kh\u00f4ng ph\u1ea3i l\u00e0 ph\u00e9p c\u1ed9ng \u0111\u01a1n gi\u1ea3n nh\u01b0 v\u1eady.<\/p>\n

C\u00e1c DNNVV lu\u00f4n than kh\u00f4ng ti\u1ebfp c\u1eadn \u0111\u01b0\u1ee3c v\u1ed1n vay ng\u00e2n h\u00e0ng. \u0110i\u1ec1u \u0111\u00f3 c\u0169ng kh\u00f4ng h\u1ec1 c\u00f3 g\u00ec l\u00e0 b\u1ea5t th\u01b0\u1eddng. DN c\u00e0ng l\u1edbn th\u00ec c\u00e0ng vay nhi\u1ec1u v\u00e0 c\u00e0ng nh\u1ecf th\u00ec c\u00e0ng \u00edt vay. N\u01b0\u1edbc M\u1ef9, n\u1ec1n kinh t\u1ebf l\u1edbn nh\u1ea5t th\u1ebf gi\u1edbi, th\u00ec c\u0169ng vay m\u01b0\u1ee3n v\u00e0o lo\u1ea1i nhi\u1ec1u nh\u1ea5t qu\u1ea3 \u0111\u1ea5t. Ph\u1ea7n l\u1edbn DN c\u1ee7a ch\u00fang ta thu\u1ed9c lo\u1ea1i nh\u1ecf v\u00e0 si\u00eau nh\u1ecf. Trong \u0111\u00f3 r\u1ea5t nhi\u1ec1u DN l\u00e0m \u0103n nh\u1ecf, kh\u00f4ng c\u1ea7n vay v\u00e0 kh\u00f4ng d\u00e1m vay, k\u1ec3 c\u1ea3 nh\u1eefng l\u00fac vay d\u1ec5 v\u00e0 l\u00e3i th\u1ea5p. Khi thu\u1eadn \u0111\u00e3 kh\u00f4ng ham, th\u1eddi kh\u00f3 c\u00e0ng ch\u1eb3ng mu\u1ed1n.<\/p>\n

Ngay c\u1ea3 nh\u1eefng DN m\u1ea1nh kho\u1ebb h\u00e0ng \u0111\u1ea7u, \u0111\u01b0\u1ee3c vay v\u1edbi m\u1ee9c l\u00e3i su\u1ea5t \u01b0u \u0111\u00e3i nh\u1ea5t c\u0169ng s\u1ee3 vay m\u01b0\u1ee3n. Do \u0111\u00f3, vay \u0111\u01b0\u1ee3c ng\u00e2n h\u00e0ng v\u00e0 vay v\u1edbi l\u00e3i su\u1ea5t th\u1ea5p, c\u0169ng ch\u1ec9 h\u00e0 h\u01a1i, ti\u1ebfp s\u1ee9c \u0111\u01b0\u1ee3c ph\u1ea7n n\u00e0o cho \u0111\u1ea7u v\u00e0o c\u1ee7a s\u1ea3n xu\u1ea5t, kinh doanh. Trong khi, v\u1ea5n \u0111\u1ec1 m\u1ea5u ch\u1ed1t l\u00e0 \u1edf ch\u1ed7, kh\u00f4ng m\u1edf \u0111\u01b0\u1ee3c c\u00e1nh c\u1eeda ti\u00eau th\u1ee5 h\u00e0ng ho\u00e1 \u0111\u1ea7u ra c\u1ee7a DN.<\/p>\n

C\u00e1i kh\u00f3 c\u1ee7a ng\u00e2n h\u00e0ng <\/em><\/strong><\/h5>\n

Nhi\u1ec1u l\u1eafm nh\u1eefng \u00fd ki\u1ebfn o\u00e1n th\u00e1n NH, \u0103n d\u1ea7y, l\u00e3i l\u1edbn, s\u1ed1ng kho\u1ebb m\u1ed9t m\u00ecnh, thi\u1ebfu thi\u1ec7n ch\u00ed, k\u00e9m h\u1ed7 tr\u1ee3, \u00edt quan t\u00e2m, kh\u00f4ng chia s\u1ebb, ch\u1eb3ng th\u00f4ng c\u1ea3m v\u1edbi n\u1ed7i kh\u00f3 kh\u0103n c\u1ee7a DN. Nghi\u00eang h\u1eb3n v\u1ec1 ph\u00eda DN, k\u00eau than cho n\u1ed7i th\u1ed1ng kh\u1ed5 c\u1ee7a m\u1ed9t b\u00ean, kh\u00f4ng c\u00f3 g\u00ec sai c\u1ea3, nh\u01b0ng l\u1ea1i m\u1edbi ch\u1ec9 l\u00e0 th\u1ea5y m\u1ed9t n\u1eeda v\u1ea5n \u0111\u1ec1.<\/p>\n

Ch\u1eb3ng NH n\u00e0o kh\u00f4ng mu\u1ed1n cho vay, kh\u00f4ng b\u1ecb phanh th\u00ec \u00e0o \u1ea1t t\u0103ng tr\u01b0\u1edfng t\u00edn d\u1ee5ng. M\u1edbi \u0111\u00e2y th\u00f4i, NH n\u00e0o c\u0169ng mu\u1ed1n v\u01b0\u1ee3t l\u00ean tr\u00ean ch\u1ec9 ti\u00eau t\u0103ng tr\u01b0\u1edfng 0-8-15 v\u00e0 17% do NHNN kh\u1ed1ng ch\u1ebf. X\u01b0a nay, NH v\u1eabn lu\u00f4n s\u0103n \u0111\u00f3n, tranh gi\u00e0nh nh\u1eefng DN t\u1ed1t, nh\u1eefng ph\u01b0\u01a1ng \u00e1n s\u1ea3n xu\u1ea5t kinh doanh kh\u1ea3 thi, hi\u1ec7u qu\u1ea3 cao. Gi\u1ed1ng nh\u01b0 DN, NH c\u0169ng mong mu\u1ed1n b\u00e1n th\u1eadt \u0111\u1eaft h\u00e0ng, nh\u01b0ng m\u00e0 \u201cth\u1ef1c\u201d b\u1ea5t t\u00f2ng t\u00e2m.<\/p>\n

Trong nh\u1eefng giai \u0111o\u1ea1n kh\u00f3 kh\u0103n nh\u01b0 hi\u1ec7n nay, DN k\u00eau kh\u00f3 b\u00e1n h\u00e0ng m\u1ed9t, th\u00ec NH c\u00f2n kh\u00f3 g\u1ea5p m\u01b0\u1eddi. DN b\u00e1n \u0111\u01b0\u1ee3c h\u00e0ng l\u00e0 \u0111i\u1ec1u m\u1eebng, nh\u01b0ng n\u1ebfu b\u00e1n ch\u1ecbu th\u00ec l\u1ea1i vui \u00edt bu\u1ed3n nhi\u1ec1u, th\u1eadm ch\u00ed kh\u00f4ng d\u00e1m b\u00e1n ch\u1ecbu m\u1ed9t khi kh\u00f4ng ch\u1eafc thu \u0111\u01b0\u1ee3c ti\u1ec1n v\u1ec1. NH b\u00e1n ch\u1ecbu 100%, khi th\u1ecb tr\u01b0\u1eddng thu\u1eadn l\u1ee3i c\u00f2n kh\u00f3 thu h\u1ed3i v\u1ed1n, \u0111ang th\u1eddi kinh t\u1ebf ng\u1eafc ngo\u1ea3i, th\u00ec y\u00ean t\u00e2m c\u00f2n \u0111\u01b0\u1ee3c m\u1ea5y ph\u1ea7n tr\u0103m? DN mu\u1ed1n b\u00e1n h\u00e0ng, th\u00ec ph\u1ea3i l\u1ea5y \u0111\u01b0\u1ee3c l\u00f2ng tin c\u1ee7a ng\u01b0\u1eddi mua, c\u00f2n NH th\u00ec ng\u01b0\u1ee3c l\u1ea1i, ch\u1ec9 ng\u01b0\u1eddi n\u00e0o l\u1ea5y \u0111\u01b0\u1ee3c l\u00f2ng tin c\u1ee7a b\u00ean b\u00e1n ti\u1ec1n, th\u00ec m\u1edbi \u0111\u01b0\u1ee3c mua h\u00e0ng, t\u1ee9c l\u00e0 vay \u0111\u01b0\u1ee3c ti\u1ec1n. DN b\u00e1n xong h\u00e0ng th\u00ec h\u1ed3 h\u1edfi y\u00ean t\u00e2m, v\u00ec \u0111\u00e3 \u0111\u1ed5i \u0111\u01b0\u1ee3c h\u00e0ng \u0111\u1ec3 l\u1ea5y ti\u1ec1n, c\u00f2n NH cho vay r\u1ed3i, m\u1edbi b\u1eaft \u0111\u1ea7u \u0111\u1ee9ng ng\u1ed3i kh\u00f4ng y\u00ean, v\u00ec \u0111\u00e3 \u0111\u1ed5i ti\u1ec1n th\u1eadt \u0111\u1ec3 l\u1ea5y v\u1ec1 m\u1ea5y t\u1edd gi\u1ea5y cam k\u1ebft.<\/p>\n

Ch\u1eb3ng NH n\u00e0o mu\u1ed1n huy \u0111\u1ed9ng l\u00e3i su\u1ea5t cao, \u0111\u1ec3 r\u1ed3i bu\u1ed9c ph\u1ea3i cho vay v\u1edbi l\u00e3i su\u1ea5t cao h\u01a1n. B\u00e1n \u0111\u1eaft th\u00ec \u1eaft \u1ebf h\u00e0ng m\u1edbi ch\u1ec9 l\u00e0 chuy\u1ec7n nh\u1ecf. Chuy\u1ec7n \u0111\u00e1ng ng\u1ea1i c\u1ee7a NH l\u00e0, l\u00e3i su\u1ea5t c\u00e0ng cao th\u00ec ng\u01b0\u1eddi vay c\u00e0ng kh\u00f3 tr\u1ea3 n\u1ee3 v\u00e0 c\u00e0ng kh\u00f3 thu h\u1ed3i v\u1ed1n.<\/p>\n

Nh\u01b0ng l\u00e3i su\u1ea5t th\u1ebf n\u00e0o l\u00e0 cao v\u1edbi \u0111\u1eaft v\u00e0 bao nhi\u00eau l\u00e0 th\u1ea5p v\u1edbi r\u1ebb? Tr\u01b0\u1edbc h\u1ebft, c\u1ee9 vi\u1ec7c c\u1ed9ng th\u00eam v\u00e0i ba ph\u1ea7n tr\u0103m v\u00e0o t\u1ef7 l\u1ec7 l\u1ea1m ph\u00e1t (c\u1ea3 th\u1ef1c t\u1ebf v\u00e0 k\u1ef3 v\u1ecdng), th\u00ec ra l\u00e3i su\u1ea5t huy \u0111\u1ed9ng, th\u00e0nh l\u00e3i su\u1ea5t cho vay. V\u1eady n\u00ean t\u1ea5t nhi\u00ean l\u00e0 l\u00e3i su\u1ea5t ph\u1ea3i n\u1ed5i theo l\u1ea1m ph\u00e1t. N\u1ebfu v\u00ed l\u00e3i su\u1ea5t huy \u0111\u1ed9ng nh\u01b0 n\u01b0\u1edbc, l\u00e3i su\u1ea5t cho vay t\u1ef1a thuy\u1ec1n, th\u00ec n\u01b0\u1edbc l\u00ean, thuy\u1ec1n l\u00ean, nh\u01b0ng thuy\u1ec1n kh\u00f4ng th\u1ec3 t\u00e1ch r\u1eddi h\u1eb3n kh\u1ecfi m\u1eb7t n\u01b0\u1edbc, ngo\u1ea1i tr\u1eeb v\u1edbi l\u00e3i su\u1ea5t t\u00edn d\u1ee5ng \u0111en. Khi n\u00e0o th\u00e2y ma l\u1ea1m ph\u00e1t cao c\u00f2n n\u1eb1m \u0111\u00f3 v\u00e0 b\u00f3ng ma l\u1ea1m ph\u00e1t cao v\u1eabn c\u00f2n r\u00ecnh r\u1eadp, th\u00ec c\u00e1i gi\u00e1 c\u1ee7a l\u00e3i su\u1ea5t hi\u1ec3n nhi\u00ean v\u1eabn c\u1ee9 l\u1eebng l\u1eefng.<\/p>\n\n\n\n
\u00d4ng Nguy\u1ec5n Thanh To\u1ea1i – Ph\u00f3 t\u1ed5ng gi\u00e1m \u0111\u1ed1c ACB cho bi\u1ebft, hi\u1ec7n nhi\u1ec1u NH th\u1eeba v\u1ed1n v\u1edbi con s\u1ed1 l\u00ean t\u1edbi h\u00e0ng ngh\u00ecn t\u1ef7 \u0111\u1ed3ng. C\u00e1c NH kh\u00f4ng cho DN, c\u00e1 nh\u00e2n vay \u0111\u01b0\u1ee3c th\u00ec d\u1eabn t\u1edbi vi\u1ec7c h\u1ecd ph\u1ea3i cho vay l\u1eabn nhau. Th\u1eddi gian qua l\u00e3i su\u1ea5t cho vay tr\u00ean th\u1ecb tr\u01b0\u1eddng li\u00ean NH h\u1ea1, ch\u1ee9ng t\u1ecf ngu\u1ed3n cung r\u1ea5t d\u1ed3i d\u00e0o, c\u00e1c NH \u0111ang th\u1eeba v\u1ed1n. Tuy nhi\u00ean c\u00e1c NH h\u1ea1 l\u00e3i su\u1ea5t cho vay ch\u1ee9 kh\u00f4ng th\u1ec3 h\u1ea1 ti\u00eau chu\u1ea9n \u0111\u01b0\u1ee3c. B\u1edfi NH c\u0169ng l\u00e0 DN. H\u1ecd ph\u1ea3i ch\u1ecbu tr\u00e1ch nhi\u1ec7m tr\u01b0\u1edbc c\u1ed5 \u0111\u00f4ng, tr\u01b0\u1edbc x\u00e3 h\u1ed9i. N\u1ebfu NH cho vay kh\u00f4ng thu h\u1ed3i \u0111\u01b0\u1ee3c th\u00ec ai s\u1ebd chia l\u1ed7 cho NH.<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n\n\n\n
\u0110\u1ec3 gi\u00fap c\u00e1c DNNVV ti\u1ebfp c\u1eadn \u0111\u01b0\u1ee3c v\u1ed1n NH ph\u1ea3i \u0111\u00f2i h\u1ecfi c\u1ea3 3 ph\u00eda. Nh\u00e0 n\u01b0\u1edbc ph\u1ea3i c\u00f3 m\u1ed9t s\u1ed1 ch\u00ednh s\u00e1ch h\u1ed7 tr\u1ee3 nh\u01b0 mi\u1ec5n, gi\u1ea3m thu\u1ebf, gi\u00fap DN t\u00ecm ki\u1ebfm th\u1ecb tr\u01b0\u1eddng \u0111\u1ec3 gi\u1ea3i quy\u1ebft h\u00e0ng t\u1ed3n kho, v\u1eadn h\u00e0nh t\u1ed1t h\u01a1n qu\u1ef9 b\u1ea3o l\u00e3nh DNNVV. V\u1ec1 ph\u00eda DN c\u1ed1 g\u1eafng \u0111\u01b0a ra ph\u01b0\u01a1ng \u00e1n kinh doanh, l\u1eadp b\u00e1o c\u00e1o t\u00e0i ch\u00ednh t\u1ed1t \u0111\u1ec3 ch\u1ee9ng minh v\u1edbi NH. C\u00f2n v\u1ec1 ph\u00eda NH c\u1ea7n ph\u1ea3i linh ho\u1ea1t, nh\u1ea1y c\u1ea3m h\u01a1n khi \u0111\u00e1nh gi\u00e1 v\u1ec1 DNNVV – Chuy\u00ean gia t\u00e0i ch\u00ednh – ng\u00e2n h\u00e0ng TS. C\u1ea5n V\u0103n L\u1ef1c nh\u00ecn nh\u1eadn.<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n

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

Th\u1eddi b\u00e1o Ng\u00e2n h\u00e0ng<\/em><\/p>\n

Doanh nghi\u1ec7p kinh ho\u00e0ng, ng\u00e2n h\u00e0ng khi\u1ebfp s\u1ee3<\/strong><\/h4>\n

\u201cNH kh\u00f4ng nh\u1eefng ch\u1eb3ng b\u00e1n th\u00eam \u0111\u01b0\u1ee3c \u0111\u1ed3ng v\u1ed1n n\u00e0o, m\u00e0 h\u00e0ng b\u00e1n \u0111i t\u1eeb n\u0103m ngo\u00e1i r\u1ed3i c\u00f2n b\u1ecb tr\u1ea3 l\u1ea1i. Ti\u1ec1n v\u1ed1n c\u1ee7a NH d\u01b0 th\u1eeba, \u1ebf \u1ea9m v\u00e0 \u0111ang \u0111\u1ee9ng tr\u01b0\u1edbc nguy c\u01a1: Kh\u00f4ng \u0111\u1ea9y \u0111\u01b0\u1ee3c ra th\u00ec ch\u1ebft v\u00ec l\u1ed7 v\u1ed1n (\u0111\u1ecdng v\u1ed1n), m\u00e0\u00a0tung ra th\u00ec c\u0169ng ch\u1ebft v\u00ec m\u1ea5t v\u1ed1n (n\u1ee3 x\u1ea5u)\u201d.<\/p>\n

B\u00e0i 2: Ng\u00e2n h\u00e0ng c\u0169ng kh\u00f4ng mu\u1ed1n l\u00e3i su\u1ea5t cao<\/em><\/strong><\/h5>\n

(cu\u1ed1i b\u00e0i 1 ghi b\u00e0i 2 l\u00e0 \u201cTh\u1ecb tr\u01b0\u1eddng ch\u1eb3ng c\u1ee7a ri\u00eang ai\u201d, nh\u01b0ng l\u1ea1i \u0111\u1ed5i)<\/em><\/strong><\/p>\n

Ng\u01b0 \u00f4ng \u0111\u1eafc l\u1ee3i?<\/strong><\/h5>\n

D\u01b0 lu\u1eadn cho r\u1eb1ng: “Ng\u00e2n h\u00e0ng (NH)\u00a0\u0111ang s\u1ed1ng tr\u00ean l\u01b0ng doanh nghi\u1ec7p (DN)”. Huy \u0111\u1ed9ng 12%, cho vay 18 – 20%\/n\u0103m, th\u00ec NH \u0103n h\u1ebft ph\u1ea7n c\u1ee7a DN. Nh\u01b0ng \u0111\u1ea5y c\u0169ng ch\u1ec9 l\u00e0 nh\u1eefng con s\u1ed1 ch\u01b0a bi\u1ebft n\u00f3i. Mu\u1ed1n cho vay ho\u00e0 v\u1ed1n, th\u00ec ph\u1ea3i c\u1ed9ng v\u00e0o l\u00e3i su\u1ea5t huy \u0111\u1ed9ng, n\u00e0o d\u1ef1 tr\u1eef b\u1eaft bu\u1ed9c, n\u00e0o t\u1ef7 l\u1ec7 an to\u00e0n, n\u00e0o d\u1ef1\u00a0ph\u00f2ng r\u1ee7i ro v\u00e0 c\u00f2n nhi\u1ec1u chi ph\u00ed t\u1ed1i thi\u1ec3u kh\u00e1c. V\u00e0 ngu\u1ed3n c\u01a1n c\u1ee7a v\u1ea5n \u0111\u1ec1 kh\u00f4ng th\u1ec3 b\u1ecf qua, \u0111\u00f3 l\u00e0 l\u00e3i su\u1ea5t huy \u0111\u1ed9ng v\u1eabn v\u01b0\u1ee3t xa h\u00e0ng r\u00e0o 12%\/n\u0103m.<\/p>\n

Th\u1ecb tr\u01b0\u1eddng B\u0110S tr\u1ea7m l\u1eafng khi\u1ebfn c\u00e1c DN s\u1ea3n xu\u1ea5t VLXD c\u0169ng lao \u0111ao<\/em><\/h5>\n

T\u1eeb khi c\u00f3 tr\u1ea7n 14%, r\u1ed3i 13% v\u00e0 nay l\u00e0\u00a012%\/n\u0103m, g\u1ea7n nh\u01b0 m\u1ecdi n\u01a1i, m\u1ecdi l\u00fac \u0111\u1ec1u ni\u00eam y\u1ebft k\u1ecbch tr\u1ea7n. C\u1ee9 d\u01b0\u1edbi 1 th\u00e1ng l\u00e0\u00a05%\/n\u0103m, b\u1ea5t k\u1ec3 \u00edt nh\u1ea5t cho 1 ng\u00e0y hay nhi\u1ec1u nh\u1ea5t l\u00e0 29 ng\u00e0y; c\u1ee9 t\u1eeb 1 th\u00e1ng tr\u1edf l\u00ean l\u00e0\u00a012%\/n\u0103m, b\u1ea5t bi\u1ebft \u0111\u00f3 l\u00e0 30 ng\u00e0y hay 300 ng\u00e0y v\u00e0 v\u1edbi m\u1ecdi s\u1ed1 ti\u1ec1n nhi\u1ec1u hay \u00edt. \u0110\u00f4i khi c\u00f3 NH y\u1ebft gi\u00e1 d\u01b0\u1edbi 12%, nh\u01b0ng th\u1ef1c ch\u1ea5t v\u1eabn lu\u00f4n k\u1ecbch tr\u1ea7n. Ch\u1eb3ng qua l\u00e0 \u0111\u1ec3 v\u1eeba kh\u00edt tr\u1ea7n khi c\u1ed9ng th\u00eam gi\u00e1 tr\u1ecb qu\u00e0 c\u00e1p khuy\u1ebfn m\u1ea1i. N\u1ebfu theo l\u1ebd th\u01b0\u1eddng, th\u00ec ai c\u0169ng mu\u1ed1n mua r\u1ebb, b\u00e1n \u0111\u1eaft. Nh\u01b0ng khi k\u1ef3 v\u1ecdng c\u1ee7a ng\u01b0\u1eddi d\u00e2n v\u1eabn c\u00f2n cao, l\u1ebd \u0111\u01b0\u01a1ng nhi\u00ean \u0111\u1ec3 mua \u0111\u01b0\u1ee3c h\u00e0ng, NH d\u00f9 kh\u00f4ng mu\u1ed1n, v\u1eabn bu\u1ed9c ph\u1ea3i tr\u1ea3 \u0111\u1eaft nh\u1ea5t. L\u00e3i su\u1ea5t th\u1ecb tr\u01b0\u1eddng ti\u1ec1n t\u1ec7 cao, th\u1ef1c s\u1ef1 \u0111\u00e3 v\u00e0 \u0111ang l\u00e0 s\u1ef1 ph\u1ea3n \u00e1nh trung th\u1ef1c, ch\u00ednh x\u00e1c, kh\u00e1ch quan, t\u1ea5t y\u1ebfu c\u1ee7a th\u1ecb tr\u01b0\u1eddng, c\u1ee7a quy lu\u1eadt gi\u00e1 c\u1ea3, cung c\u1ea7u v\u00e0 r\u1ee7i ro. V\u1edbi s\u1ef1 c\u1ea1nh tranh th\u1eadt s\u1ef1, quy\u1ebft li\u1ec7t gi\u1eefa c\u00e1c NH, kh\u00f4ng h\u1ec1 c\u00f3 s\u1ef1 \u0111\u1ed9c quy\u1ec1n, ho\u00e0n to\u00e0n kh\u00f4ng c\u00f3 vi\u1ec7c li\u00ean k\u1ebft l\u00e0m gi\u00e1 \u0111\u1ec3 chi ph\u1ed1i, th\u00e2u t\u00f3m, khuynh \u0111\u1ea3o th\u1ecb tr\u01b0\u1eddng.<\/p>\n\n\n\n
<\/td>\nKh\u00f4ng c\u00f3 chuy\u1ec7n, kh\u00f3 kh\u0103n th\u00ec ch\u1ec9 DN ch\u1ebft, c\u00f2n NH th\u00ec s\u1ed1ng. DN ch\u1ebft ki\u1ec3u c\u1ee7a DN, NH ch\u1ebft ki\u1ec3u c\u1ee7a NH: Ch\u1ebft b\u00ed m\u1eadt v\u00e0 l\u1eb7ng l\u1ebd\u201d.<\/em><\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n

V\u1eady th\u00ec t\u1ea1i sao NH v\u1eabn l\u00e3i cao ng\u1ea5t ng\u01b0\u1edfng? Ch\u1eb3ng qua, c\u0169ng ch\u1ec9 l\u00e0 nh\u1eefng con s\u1ed1 \u0111\u00e1nh l\u1eeba c\u1ea3m gi\u00e1c. \u0110\u1ec3 nh\u1eadn \u0111\u1ecbnh \u0111\u00fang cao th\u1ea5p, th\u00ec c\u1ea7n ph\u1ea3i t\u00ednh tr\u00ean t\u1ef7 l\u1ec7 \u0111\u1ed3ng v\u1ed1n \u0111\u1ea7u t\u01b0. L\u00e3i 1.000 t\u1ef7 l\u00e0 l\u1edbn \u0111\u1ed1i v\u1edbi NH c\u00f3\u00a03.000 t\u1ef7 \u0111\u1ed3ng v\u1ed1n t\u1ef1 c\u00f3, nh\u01b0ng l\u1ea1i l\u00e0 nh\u1ecf \u0111\u1ed1i v\u1edbi\u00a0s\u1ed1 v\u1ed1n 10.000 t\u1ef7 \u0111\u1ed3ng. M\u1ed9t NH t\u1ea7m c\u1ee1 trung b\u00ecnh, v\u1edbi s\u1ed1 v\u1ed1n \u201cti\u1ec1n t\u01b0\u01a1i th\u00f3c th\u1eadt\u201d 5.000 t\u1ef7 \u0111\u1ed3ng, n\u1ebfu c\u1ee9 qu\u1eb3ng h\u1ebft v\u00e0o g\u1eedi NH kh\u00e1c, th\u00ec c\u0169ng ki\u1ebfm \u0111\u01b0\u1ee3c non\u00a01.000 t\u1ef7 \u0111\u1ed3ng ti\u1ec1n l\u00e3i v\u00e0o n\u0103m ngo\u00e1i. N\u1ebfu\u00a0t\u00ednh t\u1ef7 su\u1ea5t l\u1ee3i nhu\u1eadn b\u00ecnh qu\u00e2n tr\u00ean v\u1ed1n, th\u00ec ch\u1ec9 c\u00f3 m\u1ed9t s\u1ed1 \u00edt NH l\u00e3i cao do l\u1ee3i th\u1ebf, c\u00f2n \u0111a s\u1ed1 c\u0169ng \u1edf m\u1ee9c th\u01b0\u1eddng th\u01b0\u1eddng b\u1eadc trung so v\u1edbi c\u1ea3 n\u1ec1n kinh t\u1ebf v\u00e0 trung b\u00ecnh th\u1ea5p so v\u1edbi c\u00e1c n\u01b0\u1edbc trong khu v\u1ef1c. Trong khi n\u1ee3 x\u1ea5u, r\u1ee7i ro ti\u1ec1m \u1ea9n th\u00ec v\u00e0o lo\u1ea1i d\u1eabn \u0111\u1ea7u th\u1ebf gi\u1edbi.<\/p>\n

NH kh\u00f4ng t\u1ef1 \u0111\u1ebb ra v\u1ed1n, m\u00e0 ch\u1ee7 y\u1ebfu l\u00e0 ph\u1ea3i \u0111i vay c\u1ee7a d\u00e2n c\u01b0 v\u00e0 DN. R\u1ed3i c\u0169ng v\u1edbi ch\u00ednh ngu\u1ed3n v\u1ed1n \u1ea5y, l\u1ea1i d\u00f9ng \u0111\u1ec3 cho DN v\u00e0 d\u00e2n c\u01b0 vay.\u00a0Ng\u01b0\u1eddi cho NH vay th\u00ec lu\u00f4n \u0111\u00f2i nh\u1eadn\u00a0s\u1ed1 l\u00e3i cao nh\u1ea5t. Trong khi ng\u01b0\u1eddi \u0111i vay NH th\u00ec ch\u1ec9 mu\u1ed1n tr\u1ea3 m\u1ee9c l\u00e3i th\u1ea5p nh\u1ea5t. Ng\u1ed3i gi\u1eefa th\u1ebf tr\u1eadn nh\u01b0 v\u1eady, NH c\u00f3 th\u1ec3 n\u00e0o tr\u1edf th\u00e0nh ng\u01b0 \u00f4ng \u0111\u1eafc l\u1ee3i?<\/p>\n

Tr\u1ea1ng \u2013 Ch\u00faa c\u00f9ng thuy\u1ec1n<\/strong><\/h5>\n

NH c\u0169ng l\u00e0 DN, hai b\u00ean lu\u00f4n ph\u1ea3i d\u1ef1a v\u00e0o nhau, quan h\u1ec7 m\u1eadt thi\u1ebft, s\u1ed1ng c\u00f2n, c\u00f9ng ch\u1ecbu cu\u1ed3ng phong d\u1eef d\u1ed9i c\u1ee7a l\u1ea1m ph\u00e1t v\u00e0 l\u00e3i su\u1ea5t. V\u00ec v\u1eady, kh\u00f4ng c\u00f3 chuy\u1ec7n, kh\u00f3 kh\u0103n th\u00ec ch\u1ec9 DN ch\u1ebft, c\u00f2n NH s\u1ed1ng kho\u1ebb. DN ch\u1ebft ki\u1ec3u c\u1ee7a DN, NH ch\u1ebft ki\u1ec3u c\u1ee7a NH: Ch\u1ebft b\u00ed m\u1eadt v\u00e0 l\u1eb7ng l\u1ebd. X\u00e9t v\u1ec1 t\u1ed5ng th\u1ec3 chung, NH l\u00e0 t\u00e0u to v\u1eefng\u00a0ch\u1eafc, DN l\u00e0\u00a0thuy\u1ec1n nh\u1ecf m\u1ecfng manh.<\/p>\n

Theo quy \u0111\u1ecbnh c\u1ee7a Ch\u00ednh ph\u1ee7, m\u1ed9t DN l\u1edbn c\u00f3 s\u1ed1 v\u1ed1n t\u1eeb 100 t\u1ef7 \u0111\u1ed3ng tr\u1edf l\u00ean, c\u00f2n m\u1ed9t NH nh\u1ecf c\u0169ng ph\u1ea3i c\u00f3 s\u1ed1 v\u1ed1n \u0111i\u1ec1u l\u1ec7 t\u1ed1i thi\u1ec3u 3.000 t\u1ef7 \u0111\u1ed3ng. Tr\u01b0\u1edbc c\u01a1n b\u00e3o kinh ho\u00e0ng, nghi\u1ec7t ng\u00e3 c\u1ee7a th\u1ecb tr\u01b0\u1eddng, t\u00e0u to h\u1eb3n l\u00e0 ph\u1ea3i v\u1eefng v\u00e0ng h\u01a1n thuy\u1ec1n nh\u1ecf. \u0110\u1eebng b\u1eaft t\u00e0u to c\u1ee9 ph\u1ea3i \u0111\u1eafm c\u00f9ng, c\u00e0ng kh\u00f4ng \u0111\u01b0\u1ee3c \u0111\u1eafm tr\u01b0\u1edbc, m\u00e0 ph\u1ea3i \u0111\u1eafm cu\u1ed1i c\u00f9ng, \u0111\u1ec3 c\u00f2n c\u01a1 h\u1ed9i c\u1ee9u thuy\u1ec1n nh\u1ecf. Quan h\u1ec7 DN – NH ch\u1eb3ng kh\u00e1c\u00a0n\u00e0o \u201ctr\u1ea1ng ch\u1ebft, ch\u00faa c\u0169ng b\u0103ng h\u00e0\u201d, nh\u00ecn r\u1ed9ng ra, th\u00ec c\u1ea3 DN v\u00e0 NH c\u0169ng \u0111\u1ec1u ng\u1ef1 tr\u00ean m\u1ed9t con thuy\u1ec1n th\u1ecb tr\u01b0\u1eddng.<\/p>\n

C\u00f3 th\u1ec3 n\u00f3i, c\u01a1n b\u00e3o l\u00e3i su\u1ea5t cao\u00a0ng\u1eadt ng\u01b0\u1ee1ng v\u00e0 dai d\u1eb3ng \u0111\u1ebfn m\u1ee9c l\u00e0m cho DN th\u00ec kinh ho\u00e0ng, c\u00f2n NH th\u00ec khi\u1ebfp s\u1ee3. Ai ph\u1ea3i v\u00ec ai v\u00e0 ai c\u1ea7n c\u1ee9u ai, th\u00ec ph\u1ea3i xem x\u00e9t s\u00f2ng ph\u1eb3ng d\u1ef1a tr\u00ean c\u01a1 ch\u1ebf th\u1ecb tr\u01b0\u1eddng. DN kh\u00f3 vay v\u1ed1n hay ph\u1ea3i cam ch\u1ecbu vay v\u1edbi l\u00e3i su\u1ea5t cao, th\u00ec c\u0169ng \u0111\u1ed3ng ngh\u0129a v\u1edbi vi\u1ec7c NH b\u1ebf t\u1eafc kh\u00f4ng cho vay \u0111\u01b0\u1ee3c v\u00e0 ph\u1ea3i \u0111\u1ed1i m\u1eb7t v\u1edbi r\u1ee7i ro ch\u1ea5t ng\u1ea5t. Theo U\u1ef7 ban Gi\u00e1m s\u00e1t T\u00e0i ch\u00ednh qu\u1ed1c gia, t\u0103ng tr\u01b0\u1edfng t\u00edn d\u1ee5ng \u0111\u1ebfn gi\u1eefa th\u00e1ng 4 b\u1ecb \u00e2m 1,71%, t\u1ee9c l\u00e0 NH kh\u00f4ng nh\u1eefng ch\u1eb3ng b\u00e1n th\u00eam \u0111\u01b0\u1ee3c \u0111\u1ed3ng v\u1ed1n n\u00e0o, m\u00e0 h\u00e0ng b\u00e1n \u0111i t\u1eeb n\u0103m ngo\u00e1i r\u1ed3i c\u00f2n b\u1ecb tr\u1ea3 l\u1ea1i. Ti\u1ec1n v\u1ed1n c\u1ee7a NH \u0111ang d\u01b0 th\u1eeba, \u1ebf \u1ea9m v\u00e0 \u0111ang \u0111\u1ee9ng tr\u01b0\u1edbc nguy c\u01a1: Kh\u00f4ng \u0111\u1ea9y \u0111\u01b0\u1ee3c ra th\u00ec ch\u1ebft v\u00ec l\u1ed7 v\u1ed1n (\u0111\u1ecdng v\u1ed1n), m\u00e0 tung ra th\u00ec c\u0169ng ch\u1ebft v\u00ec m\u1ea5t\u00a0v\u1ed1n (n\u1ee3 x\u1ea5u). Nh\u01b0 v\u1eady, kh\u00f3 vay v\u00e0 l\u00e3i su\u1ea5t cao, \u0111\u00e2u c\u00f3 ph\u1ea3i l\u00e0 l\u1ed7i c\u1ee7a NH?!<\/p>\n

\u0110\u00f2i h\u1ecfi kh\u00e1ch quan l\u00e0 c\u1ea7n gi\u1ea3m v\u00e0 ph\u1ea3i gi\u1ea3m nhanh l\u00e3i su\u1ea5t, \u0111\u1ed3ng th\u1eddi v\u1edbi vi\u1ec7c ph\u1ea3i \u0111\u1ea9y m\u1ea1nh gi\u1ea3i ng\u00e2n t\u00edn d\u1ee5ng. Nh\u01b0ng, mu\u1ed1n gi\u1ea3m l\u00e3i su\u1ea5t th\u1eadt s\u1ef1, th\u00ec c\u1ea7n s\u1eed d\u1ee5ng c\u00e1c c\u00f4ng c\u1ee5 kinh t\u1ebf \u0111\u1ec3 t\u00e1c \u0111\u1ed9ng v\u00e0o th\u1ecb tr\u01b0\u1eddng, ch\u1ee9 kh\u00f4ng ph\u1ea3i l\u00e0 c\u1ee9 mong mu\u1ed1n gi\u1ea3m xu\u1ed1ng v\u00e0 \u00e9p bu\u1ed9c quan h\u1ec7 b\u1eb1ng m\u1ec7nh l\u1ec7nh h\u00e0nh ch\u00ednh. Th\u1ecb tr\u01b0\u1eddng s\u1ebd ph\u1ea3n \u1ee9ng theo quy lu\u1eadt ri\u00eang c\u00f3, kh\u00e1ch quan v\u00e0 t\u1ea5t y\u1ebfu c\u1ee7a n\u00f3, cho \u0111\u1ebfn khi n\u00e0o th\u1ecb tr\u01b0\u1eddng h\u1ed3i sinh v\u00e0 l\u00e3i su\u1ea5t th\u1ef1c s\u1ef1 tr\u1edf v\u1ec1 \u0111\u00fang gi\u00e1 c\u1ea3 c\u1ee7a n\u00f3.<\/p>\n

Lu\u1eadt s\u01b0<\/span><\/a> Tr\u01b0\u01a1ng Thanh \u0110\u1ee9c<\/a>,<\/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

B\u00e0i \u0111\u0103ng Th\u1eddi b\u00e1o Ng\u00e2n h\u00e0ng 2 ng\u00e0y 22-5 v\u00e0 23-5-2012\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0 <\/em><\/strong><\/h4>\n