{"id":49580,"date":"2026-02-11T18:08:16","date_gmt":"2026-02-11T11:08:16","guid":{"rendered":"https:\/\/anvilaw.com\/vi\/?p=49580"},"modified":"2026-02-11T18:08:16","modified_gmt":"2026-02-11T11:08:16","slug":"4-244-cho-vay-uu-dai-nhung-lai-khong-du-bu-rui-ro-ngan-hang-se-phan-ung-ra-sao","status":"publish","type":"post","link":"https:\/\/anvilaw.com\/vi\/4-244-cho-vay-uu-dai-nhung-lai-khong-du-bu-rui-ro-ngan-hang-se-phan-ung-ra-sao\/","title":{"rendered":"4.244. Cho vay \u01b0u \u0111\u00e3i nh\u01b0ng l\u00e3i kh\u00f4ng \u0111\u1ee7 b\u00f9 r\u1ee7i ro: Ng\u00e2n h\u00e0ng s\u1ebd ph\u1ea3n \u1ee9ng ra sao?"},"content":{"rendered":"

Cho vay \u01b0u \u0111\u00e3i nh\u01b0ng l\u00e3i kh\u00f4ng \u0111\u1ee7 b\u00f9 r\u1ee7i ro: Ng\u00e2n h\u00e0ng s\u1ebd ph\u1ea3n \u1ee9ng ra sao?<\/strong><\/span><\/h4>\n

(KT\u0110T) – Cho vay \u01b0u \u0111\u00e3i v\u1edbi l\u00e3i su\u1ea5t th\u1ea5p nh\u01b0ng thi\u1ebfu c\u01a1 ch\u1ebf chia s\u1ebb r\u1ee7i ro \u0111ang \u0111\u1ea9y ng\u00e2n h\u00e0ng v\u00e0o th\u1ebf ti\u1ebfn tho\u00e1i l\u01b0\u1ee1ng nan. Theo <\/em><\/strong>Lu\u1eadt s\u01b0\u00a0<\/strong><\/a>Tr\u01b0\u01a1ng Thanh \u0110\u1ee9c<\/strong><\/a><\/em>, m\u1ea5u ch\u1ed1t c\u1ee7a t\u00edn d\u1ee5ng kh\u00f4ng n\u1eb1m \u1edf t\u0103ng tr\u01b0\u1edfng, m\u00e0 \u1edf kh\u1ea3 n\u0103ng thu h\u1ed3i n\u1ee3 v\u00e0 \u1ed5n \u0111\u1ecbnh v\u0129 m\u00f4.<\/em><\/strong><\/p>\n

T\u0103ng tr\u01b0\u1edfng t\u00edn d\u1ee5ng kh\u00f4ng quan tr\u1ecdng b\u1eb1ng kh\u1ea3 n\u0103ng thu h\u1ed3i n\u1ee3<\/em><\/strong><\/h5>\n
T\u1ea1i talkshow \u201cT\u00edn d\u1ee5ng 2026 \u2013 c\u00e2n b\u1eb1ng m\u1ee5c ti\u00eau t\u0103ng tr\u01b0\u1edfng v\u00e0 \u1ed5n \u0111\u1ecbnh v\u0129 m\u00f4?\u201d<\/em>, Lu\u1eadt s\u01b0\u00a0<\/em><\/strong><\/a>Tr\u01b0\u01a1ng Thanh \u0110\u1ee9c<\/em><\/strong><\/a>,<\/em><\/strong> Gi\u00e1m \u0111\u1ed1c <\/em><\/strong>C\u00f4ng ty Lu\u1eadt<\/em><\/strong><\/a> ANVI<\/em><\/strong><\/a>, cho hay v\u1ec1 m\u1eb7t ch\u1ee7 tr\u01b0\u01a1ng v\u00e0 \u0111\u1ecbnh h\u01b0\u1edbng, vi\u1ec7c \u01b0u ti\u00ean m\u1ed9t s\u1ed1 l\u0129nh v\u1ef1c v\u00e0 h\u1ea1n ch\u1ebf t\u00edn d\u1ee5ng b\u1ea5t \u0111\u1ed9ng s\u1ea3n l\u00e0 ho\u00e0n to\u00e0n \u0111\u00fang. C\u00e1c ng\u00e2n h\u00e0ng th\u01b0\u01a1ng m\u1ea1i c\u0169ng nh\u1eadn th\u1ee9c r\u1ea5t r\u00f5 \u0111i\u1ec1u n\u00e0y. Tuy nhi\u00ean, \u201cd\u00f2ng ti\u1ec1n th\u00ec kh\u00f4ng c\u00f3 nh\u1eadn th\u1ee9c, n\u00f3 \u0111i theo con \u0111\u01b0\u1eddng l\u1ee3i \u00edch\u201d. Ch\u00ednh th\u1ef1c t\u1ebf n\u00e0y khi\u1ebfn nhi\u1ec1u ch\u00ednh s\u00e1ch t\u00edn d\u1ee5ng d\u00f9 \u0111\u00fang v\u1ec1 \u0111\u1ecbnh h\u01b0\u1edbng nh\u01b0ng l\u1ea1i kh\u00f3 \u0111i v\u00e0o cu\u1ed9c s\u1ed1ng.<\/em><\/h6>\n
Lu\u1eadt s\u01b0\u00a0<\/em><\/strong><\/a>Tr\u01b0\u01a1ng Thanh \u0110\u1ee9c<\/em><\/strong><\/a> cho r\u1eb1ng, nhi\u1ec1u n\u0103m qua, ch\u00ednh s\u00e1ch t\u00edn d\u1ee5ng v\u1eabn qu\u00e1 n\u1eb7ng v\u1ec1 m\u1ee5c ti\u00eau gi\u1ea3i ng\u00e2n v\u00e0 t\u0103ng tr\u01b0\u1edfng, trong khi y\u1ebfu t\u1ed1 c\u1ed1t l\u00f5i c\u1ee7a ho\u1ea1t \u0111\u1ed9ng ng\u00e2n h\u00e0ng l\u1ea1i b\u1ecb xem nh\u1eb9.<\/em><\/h6>\n
\u201cQuan tr\u1ecdng nh\u1ea5t l\u00e0 kh\u1ea3 n\u0103ng tr\u1ea3 n\u1ee3, ch\u1ee9 kh\u00f4ng ph\u1ea3i kh\u1ea3 n\u0103ng gi\u1ea3i ng\u00e2n. Gi\u1ea3i ng\u00e2n bao nhi\u00eau c\u0169ng \u0111\u01b0\u1ee3c, t\u0103ng tr\u01b0\u1edfng 30% c\u0169ng d\u1ec5, nh\u01b0ng v\u1ea5n \u0111\u1ec1 l\u00e0 c\u00f3 thu \u0111\u01b0\u1ee3c n\u1ee3 hay kh\u00f4ng\u201d, \u00f4ng nh\u1ea5n m\u1ea1nh.<\/em><\/h6>\n
B\u00ean c\u1ea1nh \u0111\u00f3, c\u00e1c l\u0129nh v\u1ef1c \u0111\u01b0\u1ee3c g\u1ecdi l\u00e0 \u201c\u01b0u ti\u00ean\u201d th\u01b0\u1eddng l\u1ea1i thi\u1ebfu t\u00e0i s\u1ea3n b\u1ea3o \u0111\u1ea3m, khi\u1ebfn r\u1ee7i ro t\u00edn d\u1ee5ng gia t\u0103ng. \u0110\u1eb7c bi\u1ec7t, m\u1ed9t y\u1ebfu t\u1ed1 r\u1ea5t quan tr\u1ecdng nh\u01b0ng \u00edt \u0111\u01b0\u1ee3c nh\u1eafc t\u1edbi l\u00e0 an to\u00e0n ph\u00e1p l\u00fd cho c\u00e1n b\u1ed9 ng\u00e2n h\u00e0ng. Theo \u00f4ng \u0110\u1ee9c, ch\u1ec9 m\u1ed9t s\u01a1 su\u1ea5t nh\u1ecf trong cho vay c\u0169ng c\u00f3 th\u1ec3 khi\u1ebfn c\u00e1n b\u1ed9 t\u00edn d\u1ee5ng \u0111\u1ed1i m\u1eb7t r\u1ee7i ro ph\u00e1p l\u00fd nghi\u00eam tr\u1ecdng, bu\u1ed9c ng\u00e2n h\u00e0ng ph\u1ea3i co c\u1ee5m.<\/em><\/h6>\n
H\u1ec7 qu\u1ea3 l\u00e0 b\u1ea5t \u0111\u1ed9ng s\u1ea3n d\u00f9 b\u1ecb h\u1ea1n ch\u1ebf v\u1ec1 ch\u1ee7 tr\u01b0\u01a1ng, v\u1eabn tr\u1edf th\u00e0nh \u201ch\u1ea7m tr\u00fa \u1ea9n\u201d c\u1ee7a d\u00f2ng v\u1ed1n ng\u00e2n h\u00e0ng: L\u00e3i su\u1ea5t t\u1ed1t, t\u00e0i s\u1ea3n b\u1ea3o \u0111\u1ea3m r\u00f5 r\u00e0ng, r\u1ee7i ro ph\u00e1p l\u00fd th\u1ea5p h\u01a1n.<\/em><\/h6>\n

\"\"<\/p>\n

Lu\u1eadt s\u01b0\u00a0<\/em><\/strong><\/a>Tr\u01b0\u01a1ng Thanh \u0110\u1ee9c<\/em><\/strong><\/a>,<\/em><\/strong> Gi\u00e1m \u0111\u1ed1c <\/em><\/strong>C\u00f4ng ty Lu\u1eadt<\/em><\/strong><\/a> ANVI<\/em><\/strong><\/a><\/h6>\n
M\u1ed9t ngh\u1ecbch l\u00fd l\u1edbn \u0111\u01b0\u1ee3c <\/em>Lu\u1eadt s\u01b0\u00a0<\/em><\/strong><\/a>Tr\u01b0\u01a1ng Thanh \u0110\u1ee9c<\/em><\/strong><\/a> ch\u1ec9 ra l\u00e0 cho vay \u01b0u \u0111\u00e3i v\u1edbi l\u00e3i su\u1ea5t qu\u00e1 th\u1ea5p, trong khi chi ph\u00ed v\u1ed1n c\u1ee7a ng\u00e2n h\u00e0ng l\u1ea1i cao.<\/em><\/h6>\n
\u201cCho vay b\u00ecnh th\u01b0\u1eddng\u00a0l\u00e3i su\u1ea5t<\/a>\u00a08\u201310% th\u00ec cho vay \u01b0u \u0111\u00e3i ch\u1ec9 4\u20135%, trong khi huy \u0111\u1ed9ng v\u1ed1n c\u00f3 khi \u0111\u00e3 6%. Nh\u01b0 v\u1eady th\u00ec kh\u00f4ng ng\u00e2n h\u00e0ng n\u00e0o d\u00e1m cho vay, v\u00ec l\u00e3i kh\u00f4ng \u0111\u1ee7 b\u00f9 r\u1ee7i ro, th\u1eadm ch\u00ed kh\u00f4ng \u0111\u1ee7 b\u00f9 chi ph\u00ed\u201d, \u00f4ng ph\u00e2n t\u00edch.<\/em><\/h6>\n
Theo \u00f4ng, n\u1ebfu \u00e1p \u0111\u00fang nguy\u00ean t\u1eafc th\u1ecb tr\u01b0\u1eddng, nh\u1eefng kho\u1ea3n vay r\u1ee7i ro cao l\u1ebd ra c\u00f2n ph\u1ea3i c\u00f3 l\u00e3i su\u1ea5t cao h\u01a1n. Khi l\u00e3i su\u1ea5t b\u1ecb \u00e9p xu\u1ed1ng qu\u00e1 th\u1ea5p, ng\u00e2n h\u00e0ng kh\u00f4ng c\u00f2n \u2018d\u01b0 \u0111\u1ecba\u2019 \u0111\u1ec3 x\u1eed l\u00fd r\u1ee7i ro, d\u1eabn t\u1edbi ph\u1ea3n \u1ee9ng t\u1ea5t y\u1ebfu l\u00e0 thu h\u1eb9p cho vay.<\/em><\/h6>\n
Lu\u1eadt s\u01b0\u00a0<\/em><\/strong><\/a>Tr\u01b0\u01a1ng Thanh \u0110\u1ee9c<\/em><\/strong><\/a> c\u0169ng th\u1eb3ng th\u1eafn cho r\u1eb1ng, nhi\u1ec1u ch\u00ednh s\u00e1ch \u01b0u \u0111\u00e3i hi\u1ec7n nay \u0111ang sai v\u1ec1 b\u1ea3n ch\u1ea5t. V\u00ed d\u1ee5, quy \u0111\u1ecbnh doanh nghi\u1ec7p nh\u1ecf v\u00e0 v\u1eeba \u0111\u01b0\u1ee3c \u01b0u \u0111\u00e3i l\u00e3i su\u1ea5t, trong khi nh\u00f3m n\u00e0y chi\u1ebfm t\u1edbi 97\u201398% t\u1ed5ng s\u1ed1 doanh nghi\u1ec7p, khi\u1ebfn \u01b0u \u0111\u00e3i tr\u1edf n\u00ean d\u00e0n tr\u1ea3i v\u00e0\u2026 kh\u00f4ng ai th\u1ef1c s\u1ef1 \u0111\u01b0\u1ee3c h\u01b0\u1edfng.<\/em><\/h6>\n
\u201cKh\u00e1ch h\u00e0ng \u0111\u1ecdc quy \u0111\u1ecbnh th\u00ec th\u1ea5y m\u00ecnh \u0111\u01b0\u1ee3c \u01b0u \u0111\u00e3i, nh\u01b0ng th\u1ef1c t\u1ebf l\u1ea1i kh\u00f4ng vay \u0111\u01b0\u1ee3c. V\u1ea5n \u0111\u1ec1 n\u1eb1m \u1edf ch\u00ednh s\u00e1ch\u201d, \u00f4ng n\u00f3i.<\/em><\/h6>\n
Lu\u1eadt s\u01b0\u00a0<\/em><\/strong><\/a>Tr\u01b0\u01a1ng Thanh \u0110\u1ee9c<\/em><\/strong><\/a> d\u1eabn ch\u1ee9ng m\u1ed9t s\u1ed1 ch\u01b0\u01a1ng tr\u00ecnh cho vay \u01b0u \u0111\u00e3i theo ch\u1ec9 \u0111\u1ea1o, trong \u0111\u00f3 ng\u01b0\u1eddi vay t\u1eadn d\u1ee5ng ch\u00eanh l\u1ec7ch l\u00e3i su\u1ea5t \u0111\u1ec3 vay v\u1ed1n \u01b0u \u0111\u00e3i r\u1ed3i g\u1eedi ng\u01b0\u1ee3c l\u1ea1i ng\u00e2n h\u00e0ng, v\u00ec l\u00e3i su\u1ea5t ti\u1ec1n g\u1eedi cao h\u01a1n l\u00e3i su\u1ea5t vay.<\/em><\/h6>\n
\u201cK\u1ebft qu\u1ea3 l\u00e0 d\u00f2ng ti\u1ec1n \u0111i r\u1ea5t l\u00f2ng v\u00f2ng nh\u01b0ng kh\u00f4ng t\u1ea1o ra gi\u00e1 tr\u1ecb th\u1ef1c cho n\u1ec1n kinh t\u1ebf. \u0110\u00f3 l\u00e0 \u0111i\u1ec1u ch\u00fang ta c\u1ea7n tr\u00e1nh, nh\u01b0ng su\u1ed1t nhi\u1ec1u ch\u1ee5c n\u0103m v\u1eabn ch\u01b0a s\u1eeda \u0111\u01b0\u1ee3c t\u01b0 duy l\u00e0m ch\u00ednh s\u00e1ch\u201d, \u00f4ng c\u1ea3nh b\u00e1o.<\/em><\/h6>\n
T\u0103ng tr\u01b0\u1edfng nh\u01b0 xe ch\u1ea1y cao t\u1ed1c: Kh\u00f4ng c\u00f3 \u201cphanh\u201d s\u1ebd r\u1ea5t nguy hi\u1ec3m<\/em><\/strong><\/h6>\n
V\u00ed t\u0103ng tr\u01b0\u1edfng kinh t\u1ebf nh\u01b0 m\u1ed9t chi\u1ebfc xe ch\u1ea1y tr\u00ean cao t\u1ed1c, <\/em>Lu\u1eadt s\u01b0\u00a0<\/em><\/strong><\/a>Tr\u01b0\u01a1ng Thanh \u0110\u1ee9c<\/em><\/strong><\/a> cho r\u1eb1ng t\u1ed1c \u0111\u1ed9 c\u00e0ng cao th\u00ec r\u1ee7i ro s\u1ef1 c\u1ed1 c\u00e0ng l\u1edbn n\u1ebfu thi\u1ebfu c\u00e1c \u201cphanh an to\u00e0n\u201d. Tuy v\u1eady, \u00f4ng b\u00e0y t\u1ecf s\u1ef1 l\u1ea1c quan th\u1eadn tr\u1ecdng khi cho r\u1eb1ng c\u1ea3 ba ch\u1ee7 th\u1ec3 \u2013 doanh nghi\u1ec7p, ng\u00e2n h\u00e0ng v\u00e0 Ch\u00ednh ph\u1ee7 \u2013 \u0111\u1ec1u \u0111\u00e3 c\u00f3 s\u1ef1 thay \u0111\u1ed5i v\u1ec1 nh\u1eadn th\u1ee9c v\u00e0 tr\u1ea3i nghi\u1ec7m.<\/em><\/h6>\n
Trong b\u1ed1i c\u1ea3nh hi\u1ec7n nay, n\u1ec1n t\u1ea3ng v\u0129 m\u00f4 \u1ed5n \u0111\u1ecbnh h\u01a1n, s\u1ee9c m\u1ea1nh t\u00e0i kh\u00f3a t\u1ed1t h\u01a1n v\u00e0 t\u01b0 duy \u0111i\u1ec1u h\u00e0nh c\u0169ng th\u1eadn tr\u1ecdng h\u01a1n, gi\u00fap gi\u1ea3m nguy c\u01a1 l\u1eb7p l\u1ea1i nh\u1eefng c\u00fa s\u1ed1c nh\u01b0 giai \u0111o\u1ea1n 2011\u20132012.<\/em><\/h6>\n
\u201cT\u0103ng tr\u01b0\u1edfng bao nhi\u00eau m\u00e0 kh\u00f4ng gi\u1eef \u0111\u01b0\u1ee3c \u1ed5n \u0111\u1ecbnh th\u00ec c\u0169ng v\u00f4 ngh\u0129a. M\u1ea5u ch\u1ed1t c\u1ee7a ng\u00e0nh ng\u00e2n h\u00e0ng v\u1eabn l\u00e0 an to\u00e0n, v\u00e0 l\u00e0m th\u1eadt, l\u00e0m an to\u00e0n m\u1edbi l\u00e0 kh\u00e1c bi\u1ec7t l\u1edbn nh\u1ea5t so v\u1edbi tr\u01b0\u1edbc \u0111\u00e2y\u201d, \u00f4ng \u0110\u1ee9c k\u1ebft lu\u1eadn.<\/em><\/h6>\n

Minh Anh<\/strong><\/p>\n

————-<\/em><\/p>\n

Ki\u1ebfn th\u1ee9c \u0111\u1ea7u t\u01b0 (Ti\u00eau \u0111i\u1ec3m) ng\u00e0y 11-02-2026:<\/em><\/strong><\/p>\n

https:\/\/dautu.kinhtechungkhoan.vn\/cho-vay-uu-dai-nhung-lai-khong-du-bu-rui-ro-ngan-hang-se-phan-ung-ra-sao-1427784.html<\/a><\/em><\/p>\n

(894\/907)<\/em><\/p>\n

 ","protected":false},"excerpt":{"rendered":"

Cho vay \u01b0u \u0111\u00e3i nh\u01b0ng l\u00e3i kh\u00f4ng \u0111\u1ee7 b\u00f9 r\u1ee7i ro: Ng\u00e2n h\u00e0ng s\u1ebd ph\u1ea3n \u1ee9ng ra sao? (KT\u0110T) – Cho vay \u01b0u \u0111\u00e3i v\u1edbi l\u00e3i su\u1ea5t th\u1ea5p nh\u01b0ng thi\u1ebfu c\u01a1 ch\u1ebf chia s\u1ebb r\u1ee7i ro \u0111ang \u0111\u1ea9y ng\u00e2n h\u00e0ng v\u00e0o th\u1ebf ti\u1ebfn tho\u00e1i l\u01b0\u1ee1ng nan. Theo Lu\u1eadt s\u01b0\u00a0Tr\u01b0\u01a1ng Thanh \u0110\u1ee9c, m\u1ea5u ch\u1ed1t c\u1ee7a t\u00edn […]<\/p>\n","protected":false},"author":2,"featured_media":49581,"comment_status":"closed","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":""},"categories":[17,26],"tags":[],"class_list":["post-49580","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-binh-luan-gop-y","category-legal-media"],"acf":[],"yoast_head":"\n4.244. Cho vay \u01b0u \u0111\u00e3i nh\u01b0ng l\u00e3i kh\u00f4ng \u0111\u1ee7 b\u00f9 r\u1ee7i ro: Ng\u00e2n h\u00e0ng s\u1ebd ph\u1ea3n \u1ee9ng ra sao? - ANVI Law Firm<\/title>\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\/?p=49580\" \/>\n<meta property=\"og:locale\" content=\"vi_VN\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"[:vi]4.244. Cho vay \u01b0u \u0111\u00e3i nh\u01b0ng l\u00e3i kh\u00f4ng \u0111\u1ee7 b\u00f9 r\u1ee7i ro: Ng\u00e2n h\u00e0ng s\u1ebd ph\u1ea3n \u1ee9ng ra sao?[:] - ANVI Law Firm\" \/>\n<meta property=\"og:description\" content=\"Cho vay \u01b0u \u0111\u00e3i nh\u01b0ng l\u00e3i kh\u00f4ng \u0111\u1ee7 b\u00f9 r\u1ee7i ro: Ng\u00e2n h\u00e0ng s\u1ebd ph\u1ea3n \u1ee9ng ra sao? (KT\u0110T) – Cho vay \u01b0u \u0111\u00e3i v\u1edbi l\u00e3i su\u1ea5t th\u1ea5p nh\u01b0ng thi\u1ebfu c\u01a1 ch\u1ebf chia s\u1ebb r\u1ee7i ro \u0111ang \u0111\u1ea9y ng\u00e2n h\u00e0ng v\u00e0o th\u1ebf ti\u1ebfn tho\u00e1i l\u01b0\u1ee1ng nan. 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