{"id":5031,"date":"2010-12-28T15:39:55","date_gmt":"2010-12-28T08:39:55","guid":{"rendered":"https:\/\/anvilaw.com\/vi\/?p=5031"},"modified":"2024-11-05T16:19:47","modified_gmt":"2024-11-05T09:19:47","slug":"142-ngan-hang-bao-gio-het-di-dem-ty-gia-va-loan-dua-lai-suat","status":"publish","type":"post","link":"https:\/\/anvilaw.com\/vi\/142-ngan-hang-bao-gio-het-di-dem-ty-gia-va-loan-dua-lai-suat\/","title":{"rendered":"142. Ng\u00e2n h\u00e0ng: Bao gi\u1edd h\u1ebft ‘\u0111i \u0111\u00eam’ t\u1ef7 gi\u00e1 v\u00e0 lo\u1ea1n \u0111ua l\u00e3i su\u1ea5t?"},"content":{"rendered":"

Ng\u00e2n h\u00e0ng: Bao gi\u1edd h\u1ebft ‘\u0111i \u0111\u00eam’ t\u1ef7 gi\u00e1 v\u00e0 lo\u1ea1n \u0111ua l\u00e3i su\u1ea5t?<\/span><\/h4>\n
(D\u0110DN) – 2010 l\u00e0 m\u1ed9t n\u0103m b\u1ea5t \u1ed5n v\u1ec1 l\u00e3i su\u1ea5t v\u1edbi m\u1ee9c \u0111\u1ed9 bi\u1ebfn \u0111\u1ed9ng kh\u00f4n l\u01b0\u1eddng. NHNN ch\u1ec9 2 l\u1ea7n thay \u0111\u1ed5i l\u00e3i su\u1ea5t c\u01a1 b\u1ea3n nh\u01b0ng c\u00e1c ng\u00e2n h\u00e0ng th\u01b0\u01a1ng m\u1ea1i ‘lo\u1ea1n’ \u0111ua l\u00e3i su\u1ea5t v\u1edbi nhi\u1ec1u ngh\u1ecbch l\u00fd. S\u1ee9c n\u00f3ng t\u1ef7 gi\u00e1 USD trong n\u0103m 2010 c\u0169ng kh\u00f4ng ch\u1ecbu thua k\u00e9m l\u00e3i su\u1ea5t.<\/em><\/strong><\/h5>\n

\"\u0111i<\/strong><\/p>\n

N\u0103m 2010 x\u1ea3y ra nhi\u1ec1u bi\u1ebfn \u0111\u1ed9ng l\u1edbn \u0111\u1ed1i v\u1edbi n\u1ec1n kinh t\u1ebf n\u00f3i chung v\u00e0 ho\u1ea1t \u0111\u1ed9ng ng\u00e2n h\u00e0ng n\u00f3i ri\u00eang. B\u00e0i vi\u1ebft n\u00e0y \u0111\u1ec1 c\u1eadp \u0111\u1ebfn nh\u1eefng b\u1ea5t c\u1eadp trong \u0111i\u1ec1u h\u00e0nh v\u1ec1 l\u00e3i su\u1ea5t, t\u1ef7 gi\u00e1 v\u00e0 vi\u1ec7c t\u0103ng v\u1ed1n \u0111i\u1ec1u l\u1ec7, ng\u00f5 h\u1ea7u g\u00f3p ph\u1ea7n t\u00ecm ra c\u00e1ch th\u1ee9c \u0111i\u1ec1u h\u00e0nh ti\u1ec1n t\u1ec7 th\u00edch h\u1ee3p h\u01a1n trong n\u0103m 2010.<\/p>\n

L\u00e3i su\u1ea5t gi\u1ea3 t\u1ea1o<\/strong><\/h5>\n

M\u1ed9t n\u0103m b\u1ea5t \u1ed5n v\u1ec1 l\u00e3i su\u1ea5t v\u1edbi m\u1ee9c \u0111\u1ed9 bi\u1ebfn \u0111\u1ed9ng kh\u00f4n l\u01b0\u1eddng. Ng\u00e2n h\u00e0ng Nh\u00e0 n\u01b0\u1edbc (NHNN) ch\u1ec9 thay \u0111\u1ed5i l\u00e3i su\u1ea5t c\u01a1 b\u1ea3n 2 l\u1ea7n (t\u0103ng t\u1eeb 7% l\u00ean 8% v\u00e0o th\u00e1ng 4\/2010 v\u00e0 l\u00ean 9% k\u1ec3 t\u1eeb ng\u00e0y 5\/11\/2010) nh\u01b0ng ng\u00e2n h\u00e0ng th\u01b0\u01a1ng m\u1ea1i th\u00ec thay \u0111\u1ed5i ch\u00f3ng m\u1eb7t. V\u00ed d\u1ee5 t\u1ea1i BAOVIET Bank, ch\u1ec9 t\u00ednh ri\u00eang m\u1ed9t lo\u1ea1i l\u00e3i su\u1ea5t cho vay \u0111\u1ed1i v\u1edbi c\u00e1 nh\u00e2n, \u0111\u00e3 thay \u0111\u1ed5i t\u1edbi 9 l\u1ea7n v\u00e0 m\u1ed9t lo\u1ea1i l\u00e3i su\u1ea5t ti\u1ebft ki\u1ec7m th\u00f4ng th\u01b0\u1eddng b\u1eb1ng \u0111\u1ed3ng Vi\u1ec7t Nam \u0111\u00e3 thay \u0111\u1ed5i t\u1edbi 13 l\u1ea7n trong n\u0103m, ch\u01b0a k\u1ec3 c\u00e1c l\u1ea7n c\u1ed9ng th\u00eam l\u00e3i su\u1ea5t v\u00e0 t\u1eb7ng qu\u00e0 khuy\u1ebfn m\u1ea1i. T\u1eeb t\u1ea5t th\u1ea3y ng\u00e2n h\u00e0ng cho \u0111\u1ebfn ng\u01b0\u1eddi g\u1eedi, ng\u01b0\u1eddi vay ti\u1ec1n \u0111\u1ec1u lu\u00f4n lu\u00f4n \u201cnh\u1ea5p nh\u1ed5m\u201d lo l\u1eafng v\u1edbi l\u00e3i su\u1ea5t kh\u00f4ng ng\u1eebng t\u0103ng l\u00ean v\u00e0 li\u00ean t\u1ee5c c\u0103ng th\u1eb3ng. T\u1ea1i hai phi\u00ean h\u1ecdp h\u1ed3i th\u00e1ng 3 v\u00e0 4\/2010, Ch\u00ednh ph\u1ee7 \u0111\u00e3 ch\u1ec9 \u0111\u1ea1o NHNN h\u1ea1 l\u00e3i su\u1ea5t huy \u0111\u1ed9ng xu\u1ed1ng c\u00f2n kh\u00f4ng qu\u00e1 10%, l\u00e3i su\u1ea5t cho vay xu\u1ed1ng c\u00f2n kh\u00f4ng qu\u00e1 12%\/n\u0103m. NHNN v\u00e0 Hi\u1ec7p h\u1ed9i Ng\u00e2n h\u00e0ng c\u0169ng \u0111\u00e3 nhi\u1ec1u l\u1ea7n y\u00eau c\u1ea7u v\u00e0 k\u00eau g\u1ecdi c\u00e1c ng\u00e2n h\u00e0ng \u0111\u1ed3ng thu\u1eadn h\u1ea1 l\u00e3i su\u1ea5t huy \u0111\u1ed9ng. \u0110\u1ea7u ti\u00ean l\u00e0 \u0111\u1ed3ng thu\u1eadn h\u1ea1 xu\u1ed1ng 10,5%, r\u1ed3i n\u1edbi l\u00ean 11, 12 v\u00e0 15%\/n\u0103m. Nh\u01b0ng tr\u00ean th\u1ef1c t\u1ebf, ch\u01b0a ng\u00e0y n\u00e0o \u201c\u0111\u1ed3ng l\u00f2ng\u201d th\u1ef1c hi\u1ec7n \u0111\u01b0\u1ee3c \u0111i\u1ec1u n\u00e0y.<\/p>\n

\u0110\u1eb7c bi\u1ec7t, ng\u00e0y 11\/12\/2010 v\u1eeba qua, c\u00e1c ng\u00e2n h\u00e0ng \u0111\u1ed3ng lo\u1ea1t ch\u1ea5p nh\u1eadn h\u1ea1 l\u00e3i su\u1ea5t huy \u0111\u1ed9ng t\u1eeb 16 – 17% xu\u1ed1ng kh\u00f4ng qu\u00e1 15%\/n\u0103m, k\u1ec3 c\u1ea3 khuy\u1ebfn m\u1ea1i theo cam k\u1ebft v\u1edbi NHNN v\u00e0 Hi\u1ec7p h\u1ed9i Ng\u00e2n h\u00e0ng trong c\u00e1c cu\u1ed9c h\u1ecdp ng\u00e0y 9 v\u00e0 10\/12. Nh\u01b0ng ch\u1ec9 3 ng\u00e0y sau, NHNN l\u1ea1i c\u00f3 C\u00f4ng v\u0103n s\u1ed1 9779\/NHNN-CSTT \u1ea5n \u0111\u1ecbnh l\u00e3i su\u1ea5t t\u1ed1i \u0111a 14%, bao g\u1ed3m c\u1ea3 c\u00e1c kho\u1ea3n chi khuy\u1ebfn m\u1ea1i d\u01b0\u1edbi m\u1ecdi h\u00ecnh th\u1ee9c. Nh\u01b0 v\u1eady, NHNN \u0111\u00e3 s\u1eed d\u1ee5ng quy\u1ec1n kh\u1ed1ng ch\u1ebf l\u00e3i su\u1ea5t \u0111\u01b0\u1ee3c quy \u0111\u1ecbnh trong Lu\u1eadt NHNN Vi\u1ec7t Nam n\u0103m 2010, trong khi Lu\u1eadt n\u00e0y ch\u01b0a c\u00f3 hi\u1ec7u l\u1ef1c.<\/p>\n

Li\u00ean t\u1ee5c xu\u1ea5t hi\u1ec7n c\u00e1c ngh\u1ecbch l\u00fd v\u1ec1 l\u00e3i su\u1ea5t trong su\u1ed1t c\u1ea3 n\u0103m: L\u00e3i su\u1ea5t c\u00f4ng b\u1ed1 danh ngh\u0129a v\u00e0 l\u00e3i su\u1ea5t th\u1ef1c ch\u1ea5t c\u1ee7a c\u00e1c ng\u00e2n h\u00e0ng c\u00f3 kho\u1ea3ng c\u00e1ch kh\u00e1 l\u1edbn, nh\u1ea5t l\u00e0 l\u00e3i su\u1ea5t ti\u1ebft ki\u1ec7m. L\u00e3i su\u1ea5t huy \u0111\u1ed9ng \u0111\u01b0\u1ee3c ni\u00eam y\u1ebft c\u1ee9 b\u1eb1ng nhau ch\u1eb1n ch\u1eb7n v\u1edbi h\u00e0ng ch\u1ee5c k\u1ef3 h\u1ea1n kh\u00e1c nhau, t\u1eeb v\u00e0i tu\u1ea7n cho \u0111\u1ebfn v\u00e0i n\u0103m. L\u00e3i su\u1ea5t g\u1eedi ti\u1ec1n v\u00e0o ng\u00e2n h\u00e0ng c\u00f2n cao h\u01a1n c\u1ea3 c\u1ed5 t\u1ee9c tr\u1ea3 cho c\u1ed5 phi\u1ebfu c\u1ee7a nhi\u1ec1u ng\u00e2n h\u00e0ng. L\u00e3i su\u1ea5t c\u01a1 b\u1ea3n kh\u00f3a c\u1ee9ng trong nhi\u1ec1u \u0111i\u1ec1u lu\u1eadt, nh\u01b0ng t\u1ef1 nhi\u00ean l\u1ea1i tr\u1edf th\u00e0nh v\u00f4 ngh\u0129a \u0111\u1ed1i v\u1edbi c\u00e1c ng\u00e2n h\u00e0ng th\u01b0\u01a1ng m\u1ea1i. Qu\u00e1 nhi\u1ec1u m\u1ee9c l\u00e3i su\u1ea5t huy \u0111\u1ed9ng c\u0169ng nh\u01b0 cho vay \u0111\u01b0\u1ee3c ni\u00eam y\u1ebft r\u00f5 r\u00e0ng gi\u1eefa thanh thi\u00ean b\u1ea1ch nh\u1eadt, nh\u01b0ng th\u1eadt \u00edt, gi\u1ea3 nhi\u1ec1u, m\u1ee9c giao d\u1ecbch th\u01b0\u1eddng l\u00e0 cao h\u01a1n c\u00f4ng b\u1ed1. Ng\u00e2n h\u00e0ng l\u00f4i k\u00e9o, g\u1ea1 g\u1eabm ng\u01b0\u1eddi g\u1eedi ti\u1ec1n. Ng\u01b0\u1eddi vay k\u1ef3 k\u00e8o, b\u1edbt m\u1ed9t th\u00eam hai ti\u1ec1n l\u00e3i vay ng\u00e2n h\u00e0ng. Ch\u01b0a bao gi\u1edd, c\u00e1c nh\u00e0 b\u0103ng l\u1ea1i tranh nhau m\u1eb7c c\u1ea3 l\u00e0m gi\u00e1 \u0111\u1ed3ng ti\u1ec1n, \u0111\u1ebfn m\u1ee9c kh\u00f4ng kh\u00e1c n\u00e0o ngo\u00e0i ch\u1ee3 tr\u1eddi.<\/p>\n

Theo \u0111\u00fang quy \u0111\u1ecbnh c\u1ee7a B\u1ed9 lu\u1eadt D\u00e2n s\u1ef1 th\u00ec c\u1ea3 l\u00e3i su\u1ea5t huy \u0111\u1ed9ng v\u00e0 cho vay c\u0169ng kh\u00f4ng \u0111\u01b0\u1ee3c ph\u00e9p v\u01b0\u1ee3t qu\u00e1 150% l\u00e3i su\u1ea5t c\u01a1 b\u1ea3n, t\u1ee9c kh\u00f4ng qu\u00e1 13,5%\/n\u0103m, n\u1ebfu l\u00e3i su\u1ea5t c\u01a1 b\u1ea3n \u1edf m\u1ee9c 9%\/n\u0103m. Th\u00f4ng t\u01b0 s\u1ed1 12\/2010\/TT-NHNN ng\u00e0y 14\/4\/2010 c\u1ee7a Th\u1ed1ng \u0111\u1ed1c NHNN \u201cH\u01b0\u1edbng d\u1eabn TCTD cho vay b\u1eb1ng \u0111\u1ed3ng Vi\u1ec7t Nam \u0111\u1ed1i v\u1edbi kh\u00e1ch h\u00e0ng theo l\u00e3i su\u1ea5t th\u1ecfa thu\u1eadn\u201d c\u0169ng kh\u00f4ng h\u1ec1 c\u00f3 quy \u0111\u1ecbnh n\u00e0o cho ph\u00e9p v\u01b0\u1ee3t qu\u00e1 tr\u1ea7n l\u00e3i su\u1ea5t n\u00e0y. Th\u1ebf nh\u01b0ng, h\u1ea7u nh\u01b0 \u201cc\u1ea3 l\u00e0ng\u201d \u0111\u1ec1u huy \u0111\u1ed9ng v\u00e0 cho vay v\u01b0\u1ee3t gi\u1edbi h\u1ea1n lu\u1eadt \u0111\u1ecbnh. Kh\u00f4ng c\u00f2n bi\u1ebft th\u1ebf n\u00e0o l\u00e0 \u0111\u00fang hay sai ph\u00e1p lu\u1eadt. V\u00ec th\u1ebf, Techcombank m\u1edbi \u0111\u1ed9t ng\u1ed9t tung ra \u201cqu\u1ea3 bom\u201d l\u00e3i su\u1ea5t huy \u0111\u1ed9ng, nh\u1ea3y v\u1ecdt t\u1eeb 14 l\u00ean 17%\/n\u0103m, li\u1ec1n sau \u0111\u00f3 SeABank k\u00edch l\u00ean 18%\/n\u0103m, l\u00e0m ho\u1ea3ng lo\u1ea1n th\u1ecb tr\u01b0\u1eddng ti\u1ec1n t\u1ec7. NHNN \u0111\u00e3 c\u1ea3nh c\u00e1o Techcombank v\u1ec1 vi\u1ec7c l\u00e0m n\u00e0y, tuy nhi\u00ean v\u1ec1 m\u1eb7t ph\u00e1p l\u00fd th\u00ec l\u1ea1i kh\u00f4ng d\u1ef1a tr\u00ean m\u1ed9t quy \u0111\u1ecbnh ph\u00e1p lu\u1eadt c\u1ee5 th\u1ec3 n\u00e0o. Vi\u1ec7c y\u00eau c\u1ea7u c\u00e1ch ch\u1ee9c Gi\u00e1m \u0111\u1ed1c Techcombank Ph\u00fa M\u1ef9 H\u01b0ng huy \u0111\u1ed9ng l\u00e3i su\u1ea5t cao c\u0169ng kh\u00f4ng d\u1ef1a tr\u00ean c\u01a1 s\u1edf ph\u00e1p l\u00fd.<\/p>\n

T\u1ef7 gi\u00e1 \u0111i \u0111\u00eam<\/strong><\/h5>\n

S\u1ee9c n\u00f3ng t\u1ef7 gi\u00e1 USD trong n\u0103m 2010 c\u0169ng kh\u00f4ng ch\u1ecbu thua k\u00e9m l\u00e3i su\u1ea5t. Cu\u1ed1i n\u0103m 2009, NHNN \u0111\u00e3 \u0111i\u1ec1u ch\u1ec9nh t\u1ef7 gi\u00e1 VND\/USD l\u00ean 5,44%; \u0111\u1ebfn th\u00e1ng 2\/2010 \u0111i\u1ec1u ch\u1ec9nh t\u1ef7 gi\u00e1 h\u01a1n 3,36% v\u00e0 th\u00e1ng 8\/2010, ti\u1ebfp t\u1ee5c \u0111i\u1ec1u ch\u1ec9nh g\u1ea7n 2,1%. Nh\u01b0 v\u1eady, ch\u01b0a \u0111\u1ea7y m\u1ed9t n\u0103m \u0111\u00e3 \u201cph\u00e1 gi\u00e1\u201d \u0111\u1ed3ng n\u1ed9i t\u1ec7 tr\u00ean 10,5%. Nh\u01b0ng, t\u1ef7 gi\u00e1 th\u1ecb tr\u01b0\u1eddng t\u1ef1 do th\u00ec m\u1edbi th\u1ef1c s\u1ef1 ph\u00e1 gi\u00e1. Trong khi t\u1ef7 gi\u00e1 t\u1ed1i \u0111a m\u00e0 ng\u00e2n h\u00e0ng \u0111\u01b0\u1ee3c ph\u00e9p giao d\u1ecbch ch\u1ed1t ch\u1eb7t \u1edf 19.500 \u0111\u1ed3ng\/USD, th\u00ec gi\u00e1 USD b\u00ean ngo\u00e0i cao nh\u1ea5t l\u00ean \u0111\u1ebfn tr\u00ean 21.500 \u0111\u1ed3ng\/USD, ch\u00eanh l\u1ec7ch tr\u00ean 10%.<\/p>\n

NHNN li\u00ean t\u1ee5c tuy\u00ean b\u1ed1 b\u1ea3o \u0111\u1ea3m cung \u1ee9ng \u0111\u1ee7 nhu c\u1ea7u ngo\u1ea1i t\u1ec7 cho th\u1ecb tr\u01b0\u1eddng, nh\u01b0ng s\u1ef1 th\u1ef1c th\u00ec c\u00e1c doanh nghi\u1ec7p \u0111\u1ed3ng thanh k\u00eau tr\u1eddi v\u00ec ph\u1ea3i mua USD v\u1edbi gi\u00e1 ch\u1ee3 \u0111en. Ng\u00e2n h\u00e0ng th\u01b0\u01a1ng m\u1ea1i kh\u00f4ng th\u1ec3 mua \u0111\u01b0\u1ee3c USD v\u1edbi gi\u00e1 \u201cm\u1eadu d\u1ecbch\u201d th\u00ec c\u0169ng ch\u1eb3ng th\u1ec3 b\u00e1n cho doanh nghi\u1ec7p v\u1edbi gi\u00e1 \u201cph\u00e2n ph\u1ed1i\u201d. Th\u1ebf l\u00e0 c\u00e1c nh\u00e0 trung gian t\u00e0i ch\u00ednh ph\u1ea3i l\u00e0m m\u1ed9t vi\u1ec7c b\u1ea5t \u0111\u1eafc d\u0129 l\u00e0 tr\u1edf th\u00e0nh trung gian h\u1ee3p ph\u00e1p h\u00f3a \u0111\u00f4 la ch\u1ee3 \u0111en. Ng\u00e2n h\u00e0ng bu\u1ed9c ph\u1ea3i \u0111i \u0111\u00eam mua b\u00e1n ho\u1eb7c \u0111i \u0111\u00eam m\u00f4i gi\u1edbi gi\u1eefa ng\u01b0\u1eddi mua v\u00e0 ng\u01b0\u1eddi b\u00e1n USD. Ch\u1eb3ng h\u1ea1n m\u1ed9t giao d\u1ecbch c\u1ee7a ng\u00e2n h\u00e0ng b\u00e1n cho doanh nghi\u1ec7p 10 tri\u1ec7u USD th\u00ec ph\u1ea3i \u201cch\u1ebf bi\u1ebfn\u201d ch\u1ee9ng t\u1eeb \u0111\u1ec3 h\u1ea1ch to\u00e1n s\u1ed1 ti\u1ec1n th\u1ef1c mua, th\u1ef1c b\u00e1n ch\u00eanh v\u1edbi s\u1ed1 ti\u1ec1n ghi tr\u00ean s\u1ed5 s\u00e1ch c\u00f3 khi l\u00ean \u0111\u1ebfn 20 t\u1ef7 \u0111\u1ed3ng. Ch\u1ee9ng t\u1eeb s\u1ed5 s\u00e1ch k\u1ebf to\u00e1n, xu\u1ea5t nh\u1eadp, thu chi cho l\u00e0 h\u1ee3p ph\u00e1p c\u0169ng \u0111\u01b0\u1ee3c m\u00e0 b\u1ea3o l\u00e0 phi ph\u00e1p c\u0169ng cam.<\/p>\n

T\u0103ng v\u1ed1n c\u01b0\u1ee1ng \u00e9p<\/strong><\/h5>\n\n\n\n
N\u0103m 2010 l\u00e0 \u0111\u1ec9nh \u0111i\u1ec3m c\u1ee7a chu\u1ed7i b\u1ea5t c\u1eadp v\u1ec1 y\u00eau c\u1ea7u t\u0103ng v\u1ed1n \u0111i\u1ec1u l\u1ec7 ng\u00e2n h\u00e0ng<\/em><\/strong><\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n

N\u0103m 2010 l\u00e0 \u0111\u1ec9nh \u0111i\u1ec3m c\u1ee7a chu\u1ed7i b\u1ea5t c\u1eadp v\u1ec1 y\u00eau c\u1ea7u t\u0103ng v\u1ed1n \u0111i\u1ec1u l\u1ec7 ng\u00e2n h\u00e0ng. Trong 9 n\u0103m ph\u1ea3i t\u0103ng v\u1ed1n l\u00ean 600 l\u1ea7n, cao g\u1ea5p \u0111\u00f4i t\u1ed1c \u0111\u1ed9 t\u0103ng tr\u01b0\u1edfng b\u00ecnh qu\u00e2n, b\u1ea5t ch\u1ea5p hi\u1ec7u qu\u1ea3 v\u00e0 hi\u1ec7u \u1ee9ng x\u1ea5u, l\u00e0 m\u1ed9t g\u00e1nh n\u1eb7ng \u201c\u0111\u00e8 b\u1eb9p\u201d nhi\u1ec1u ng\u00e2n h\u00e0ng. S\u1ee9c \u00e9p t\u0103ng v\u1ed1n m\u1ed9t \u0111\u00e3 g\u00e2y ra s\u1ee9c \u00e9p t\u0103ng tr\u01b0\u1edfng m\u01b0\u1eddi. T\u1ea5t y\u1ebfu gia t\u0103ng c\u0103ng th\u1eb3ng v\u1ec1 c\u1ea3 quy m\u00f4 huy \u0111\u1ed9ng v\u00e0 cho vay, m\u1ed9t y\u1ebfu t\u1ed1 quan tr\u1ecdng \u0111\u1ea9y ch\u1ec9 s\u1ed1 l\u1ea1m ph\u00e1t l\u00ean 2 con s\u1ed1, g\u00e2y nguy hi\u1ec3m tr\u1ef1c di\u1ec7n cho th\u1ecb tr\u01b0\u1eddng ti\u1ec1n t\u1ec7. M\u1ed9t \u0111\u1ea5t n\u01b0\u1edbc c\u00f3 r\u1ea5t \u00edt doanh nghi\u1ec7p \u0111\u01b0\u1ee3c x\u1ebfp v\u00e0o lo\u1ea1i doanh nghi\u1ec7p l\u1edbn, v\u1edbi ti\u00eau ch\u00ed v\u1ed1n \u0111i\u1ec1u l\u1ec7 100 t\u1ef7 \u0111\u1ed3ng. V\u1eady th\u00ec t\u1ea1i sao ph\u1ea3i b\u1eaft t\u1ea5t c\u1ea3 c\u00e1c ng\u00e2n h\u00e0ng d\u00f9 nh\u1ecf y\u1ebfu nh\u1ea5t c\u0169ng ph\u1ea3i t\u0103ng v\u1ed1n l\u00ean t\u1edbi 3.000 t\u1ef7 \u0111\u1ed3ng? M\u1ed9t th\u1ef1c t\u1ebf hi\u1ec3n nhi\u00ean l\u00e0 c\u00f3 nhi\u1ec1u ng\u00e2n h\u00e0ng kh\u00f4ng mu\u1ed1n v\u00e0 kh\u00f4ng c\u00f3 kh\u1ea3 n\u0103ng t\u0103ng \u0111\u1ee7 v\u1ed1n ph\u00e1p \u0111\u1ecbnh. T\u00ecnh h\u00ecnh c\u00e0ng th\u00eam c\u0103ng th\u1eb3ng tr\u01b0\u1edbc vi\u1ec7c NHNN li\u00ean t\u1ee5c h\u1ed1i th\u00fac v\u00e0 \u201c\u0111e do\u1ea1\u201d s\u1ebd r\u00fat gi\u1ea5y ph\u00e9p c\u00e1c ng\u00e2n h\u00e0ng ch\u1eadm t\u0103ng, \u201cl\u00e2u l\u1edbn\u201d. Trong khi t\u00ecnh th\u1ebf \u0111ang v\u00f4 c\u00f9ng nan gi\u1ea3i nh\u01b0 th\u1ebf th\u00ec NHNN l\u1ea1i c\u00f2n th\u00e0nh l\u1eadp Ban so\u1ea1n th\u1ea3o Ngh\u1ecb \u0111\u1ecbnh m\u1edbi, d\u1ef1 ki\u1ebfn ti\u1ebfp t\u1ee5c nhanh ch\u00f3ng t\u0103ng v\u1ed1n ph\u00e1p \u0111\u1ecbnh l\u00ean g\u1ea5p m\u1ea5y l\u1ea7n.<\/p>\n

R\u1ea5t may, v\u00e0o nh\u1eefng ng\u00e0y cu\u1ed1i c\u00f9ng c\u1ee7a n\u0103m, Th\u1ee7 t\u01b0\u1edbng Ch\u00ednh ph\u1ee7 \u0111\u00e3 ch\u1ec9 \u0111\u1ea1o vi\u1ec7c l\u00f9i l\u1ea1i th\u1eddi h\u1ea1n th\u1ef1c hi\u1ec7n Ngh\u1ecb \u0111\u1ecbnh s\u1ed1 141\/2006\/N\u0110-CP th\u00eam 1 n\u0103m. \u0110i\u1ec1u n\u00e0y gi\u00fap tr\u00e1nh m\u1ed9t cu\u1ed9c kh\u1ee7ng ho\u1ea3ng \u0111\u00e1ng ti\u1ebfc. Theo t\u00f4i, trong v\u00e0i n\u0103m t\u1edbi, c\u1ea7n b\u00e3i b\u1ecf h\u1eb3n y\u00eau c\u1ea7u t\u0103ng v\u1ed1n t\u1ed1i thi\u1ec3u l\u00ean 3.000 t\u1ef7 \u0111\u1ed3ng, thay v\u00e0o \u0111\u00f3, ch\u1ec9 c\u1ea7n \u1ea5n \u0111\u1ecbnh m\u1ee9c v\u1ed1n ph\u00e1p \u0111\u1ecbnh \u0111\u1ed1i v\u1edbi ng\u00e2n h\u00e0ng l\u00e0 1.000 t\u1ef7 \u0111\u1ed3ng. Nh\u01b0 v\u1eady, nh\u1eefng ng\u00e2n h\u00e0ng nh\u1ecf nh\u1ea5t c\u0169ng \u0111\u00e3 c\u00f3 m\u1ee9c v\u1ed1n g\u1ea5p 10 l\u1ea7n so v\u1edbi ti\u00eau ch\u00ed \u0111\u1ec3 \u0111\u01b0\u1ee3c x\u1ebfp h\u1ea1ng v\u00e0o lo\u1ea1i doanh nghi\u1ec7p l\u1edbn. S\u1ebd l\u00e0 m\u1ed9t sai l\u1ea7m r\u1ea5t nghi\u00eam tr\u1ecdng n\u1ebfu c\u1ee9 ti\u1ebfp t\u1ee5c th\u1ef1c hi\u1ec7n \u00fd \u0111\u1ed3 t\u0103ng v\u1ed1n ph\u00e1p \u0111\u1ecbnh l\u00ean 5.000 – 10.000 t\u1ec9 \u0111\u1ed3ng v\u00e0o n\u0103m 2012 v\u00e0 2015.<\/p>\n

N\u1ebfu cho r\u1eb1ng n\u0103m qua \u0111\u00e3 th\u00e0nh c\u00f4ng trong vi\u1ec7c k\u00ecm h\u00e3m l\u00e3i su\u1ea5t kh\u00f4ng t\u0103ng cao n\u1eefa, neo \u0111\u01b0\u1ee3c t\u1ef7 gi\u00e1 kh\u00f4ng t\u0103ng h\u01a1n n\u1eefa v\u00e0 \u0111\u00e3 bu\u1ed9c \u0111\u01b0\u1ee3c nhi\u1ec1u ng\u00e2n h\u00e0ng t\u0103ng \u0111\u1ee7 v\u1ed1n ph\u00e1p \u0111\u1ecbnh, th\u00ec c\u0169ng c\u00f3 ph\u1ea7n \u0111\u00fang. Nh\u01b0ng \u0111\u1ec3 quy \u0111\u1ecbnh kh\u00f4ng xa r\u1eddi th\u1ef1c t\u1ebf; \u0111\u1ec3 ch\u00ednh s\u00e1ch ti\u1ec1n t\u1ec7 b\u1edbt l\u1ee7ng c\u1ee7ng, b\u1ea5t c\u1eadp; \u0111\u1ec3 tuy\u00ean b\u1ed1 \u0111\u1eebng tr\u00e1i v\u1edbi di\u1ec5n bi\u1ebfn th\u1ecb tr\u01b0\u1eddng, th\u00ec tr\u01b0\u1edbc h\u1ebft ch\u00fang ta ph\u1ea3i th\u1eeba nh\u1eadn \u0111\u00f3 l\u00e0 3 \u0111i\u1ec3m b\u1ea5t c\u1eadp \u0111\u00e3 t\u1ea1o ra s\u00f3ng c\u1ea3 cho ho\u1ea1t \u0111\u1ed9ng c\u1ee7a c\u00e1c ng\u00e2n h\u00e0ng v\u00e0 n\u1ec1n kinh t\u1ebf, v\u00e0 ph\u1ea3i \u0111\u01b0\u1ee3c kh\u1eafc ph\u1ee5c trong th\u1eddi gian t\u1edbi.<\/p>\n

 <\/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 vi\u1ebft \u0111\u0103ng tr\u00ean Doanh nh\u00e2n (s\u1ed1 cu\u1ed1i tu\u1ea7n c\u1ee7a B\u00e1o Di\u1ec5n \u0111\u00e0n DN) 28-12-2010:<\/em><\/strong><\/h5>\n
Ng\u00e2n h\u00e0ng: Bao gi\u1edd h\u1ebft ‘\u0111i \u0111\u00eam’ t\u1ef7 gi\u00e1 v\u00e0 lo\u1ea1n \u0111ua l\u00e3i su\u1ea5t?<\/strong><\/h5>\n

(b\u00e1o gi\u1ea5y: \u201cM\u1ed9t n\u0103m s\u00f3ng c\u1ea3\u201d; b\u1ea3n g\u1ed1c: \u201cNg\u00e2n h\u00e0ng: M\u1ed9t n\u0103m ba th\u1ea5t b\u1ea1i\u201d)<\/p>\n

\u0110\u0103ng l\u1ea1i:<\/strong><\/h4>\n
    \n
  1. http:\/\/60s.com.vn\/index\/2950506\/31122010.aspx<\/a><\/li>\n
  2. http:\/\/atpvietnam.com\/vn\/thongtinnganh\/74120\/index.aspx<\/a><\/li>\n
  3. http:\/\/cafef.vn\/20101231092651208CA34\/ngan-hang-bao-gio-het-di-dem-ty-gia-va-loan-dua-lai-suat.chn<\/a><\/li>\n
  4. http:\/\/doanhnghiep24g.vn\/ngan-hang-bao-gio-het-di-dem-ty-gia-va-loan-dua-lai-suat-3582.html<\/a><\/li>\n
  5. http:\/\/forum.sanotc.com\/3666397\/coffee-binh-luan-ttckvn-tin-tuc-ttckvn-tttg-luon-cap-nhat-tham-khao.aspx<\/a><\/li>\n
  6. http:\/\/involio.com\/news\/industry\/finance\/25332-Ng\u00e2n-h\u00e0ng-Bao-gi\u1edd-h\u1ebft-\u0111i-\u0111\u00eam-t\u1ef7-gi\u00e1-v\u00e0-lo\u1ea1n-\u0111ua-l\u00e3i-su\u1ea5t<\/li>\n
  7. http:\/\/news.shot.vn\/Stat\/Index\/103126?r=http%3A%2F%2Fstox.vn%2Fstox%2FNews%2F79327%2F1%2F186%2Fngan-hang-bao-gio-het-di-dem-ty-gia-va-loan-dua-lai-suat.stox<\/a><\/li>\n
  8. http:\/\/news.sinhviennganhang.com\/modules.php?name=News&op=viewst&sid=16276<\/a><\/li>\n
  9. http:\/\/stox.vn\/stox\/News\/79327\/1\/186\/ngan-hang-bao-gio-het-di-dem-ty-gia-va-loan-dua-lai-suat.stox<\/a><\/li>\n
  10. http:\/\/thitruongtaichinh.vn\/?p=24761<\/a><\/li>\n
  11. http:\/\/tintuc.xalo.vn\/00-420892324\/Ngan_hang_Bao_gio_het_di_dem_ty_gia_va_loan_dua_lai_suat.html?mode=print<\/a><\/li>\n
  12. http:\/\/tintuconline.vietnamnet.vn\/vn\/thitruong\/474866\/index.html<\/a><\/li>\n
  13. http:\/\/vangsaigon.com\/forum\/showthread.php?t=6952<\/a><\/li>\n
  14. http:\/\/vietstock.vn\/ChannelID\/757\/Tin-tuc\/177088-ngan-hang-bao-gio-het-di-dem-ty-gia-va-loan-dua-lai-suat.aspx<\/a><\/li>\n
  15. http:\/\/vinacorp.vn\/news\/bao-gio-het-di-dem-ty-gia-va-loan-dua-lai-suat\/ct-428747<\/a><\/li>\n
  16. http:\/\/vinaglobal.com.vn\/news\/viewentry\/3\/ngan-hang-bao-gio-het-di-dem-ty-gia-va-loan-dua-lai-suat<\/a><\/li>\n
  17. http:\/\/vssc.com.vn\/News\/2010\/12\/31\/157431.aspx<\/a><\/li>\n
  18. http:\/\/www.agriseco.com.vn\/Chiti%E1%BA%BFt\/Chiti%E1%BA%BFttinb%E1%BA%A3ohi%E1%BB%83m\/tabid\/206\/mid\/864\/ArticleID\/111453\/PreTabId\/93\/dnnprintmode\/true\/Default.aspx?SkinSrc=%5BG%5DSkins%2F_default%2FNo+Skin&ContainerSrc=%5BG%5DContainers%2F_default%2FNo+Container<\/a><\/li>\n
  19. http:\/\/www.baoquangninh.com.vn\/?lang=V&func=newsdetail&newsid=57889&CatID=34&MN=7<\/a><\/li>\n
  20. http:\/\/www.bdif.vn\/news\/index.php?lang=vn&p=dtnews&main=13&sub=15&item=542<\/a><\/li>\n
  21. http:\/\/www.cafeland.vn\/tin_tuc\/3_5323_ngan_hang_bao_gio_het_di_dem_ty_gia_va_loan_dua_lai_suat.html<\/a><\/li>\n
  22. http:\/\/www.cophieu68.com\/news_detail.php?newsid=25707<\/a><\/li>\n
  23. http:\/\/www.doanhnhan360.com\/Desktop.aspx\/Thi-truong-360\/Tai-chinh-360\/Ngan_hang_Bao_gio_het_di_dem_ty_gia_va_loan_dua_lai_suat\/<\/a><\/li>\n
  24. http:\/\/www.doanhnhan.net\/ngan-hang-bao-gio-het-di-dem-ty-gia-va-loan-dua-lai-suat-53-2-20089.html<\/a><\/li>\n
  25. http:\/\/www.denthan.com\/thamkhao\/c42\/1444946\/ngan-hang-bao-gio-het-di-dem-ty-gia-va-loan-dua-lai-suat<\/a><\/li>\n
  26. http:\/\/www.hcgf.com.vn\/component\/content\/article\/102-module-diem-bao\/3647-bao-gi-ht-i-em-t-gia-va-lon-ua-lai-sut.html<\/a><\/li>\n
  27. http:\/\/www.kinhte24h.com\/?a=TW&tw=VIEW&view=NEWS&category_id=55&new_id=68113<\/a><\/li>\n
  28. http:\/\/www.psi.vn\/News\/2010\/12\/31\/142819.aspx<\/a><\/li>\n
  29. http:\/\/www.soixam.com\/c42\/1444946\/ngan-hang-bao-gio-het-di-dem-ty-gia-va-loan-dua-lai-suat<\/a><\/li>\n
  30. http:\/\/www.stockbiz.vn\/News\/2010\/12\/31\/171548\/ngan-hang-bao-gio-het-di-dem-ty-gia-va-loan-dua-lai-suat.aspx<\/a><\/li>\n
  31. http:\/\/www.thitruongotc.com.vn\/Tin-kinh-te\/2\/13431\/Ngan-Hang-Bao-Gio-Het-di-Dem-Ty-Gia-Va-Loan-Dua-Lai-Suat.htm<\/a><\/li>\n
  32. http:\/\/thitruongvietnam.com.vn\/gpmaster.gp-media.thi-truong-viet-nam.gplist.90.gpopen.53402.gpside.1.ngan-hang-bao-gio-het-rsquo-di-dem-rsquo-ty-gia-va-loan-dua-lai-suat-.asmx<\/a><\/li>\n
  33. http:\/\/www.tinexpress.com\/ngan-hang-bao-gio-het-di-dem-ty-gia-va-loan-dua-lai-suat-328017-3<\/a><\/li>\n
  34. http:\/\/www.vietnammls.net\/tai-chinh-ngan-hang\/thong-tin-cho-vay\/ngan-hang-bao-gio-het-di-dem-ty-gia-va-loan-dua-lai-suat.aspx<\/a><\/li>\n
  35. http:\/\/www.vietime.com\/news\/671\/93899\/ngan-hang-bao-gio-het-di-dem-ty-gia-va-loan-dua-lai-suat.htm<\/a><\/li>\n
  36. http:\/\/www.vsd.vn\/2999p4c24\/ngan-hang-bao-gio-het-di-dem-ty-gia-va-loan-dua-lai-suat.htm<\/a><\/li>\n
  37. http:\/\/www.xaluan.com\/modules.php?name=News&file=article&sid=234610<\/a><\/li>\n<\/ol>","protected":false},"excerpt":{"rendered":"

    Ng\u00e2n h\u00e0ng: Bao gi\u1edd h\u1ebft ‘\u0111i \u0111\u00eam’ t\u1ef7 gi\u00e1 v\u00e0 lo\u1ea1n \u0111ua l\u00e3i su\u1ea5t? (D\u0110DN) – 2010 l\u00e0 m\u1ed9t n\u0103m b\u1ea5t \u1ed5n v\u1ec1 l\u00e3i su\u1ea5t v\u1edbi m\u1ee9c \u0111\u1ed9 bi\u1ebfn \u0111\u1ed9ng kh\u00f4n l\u01b0\u1eddng. NHNN ch\u1ec9 2 l\u1ea7n thay \u0111\u1ed5i l\u00e3i su\u1ea5t c\u01a1 b\u1ea3n nh\u01b0ng c\u00e1c ng\u00e2n h\u00e0ng th\u01b0\u01a1ng m\u1ea1i ‘lo\u1ea1n’ \u0111ua l\u00e3i su\u1ea5t v\u1edbi nhi\u1ec1u ngh\u1ecbch […]<\/p>\n","protected":false},"author":7,"featured_media":5032,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":""},"categories":[14,26],"tags":[36],"class_list":["post-5031","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-nghien-cuu-bao-chi","category-legal-media","tag-luat-su-ngan-hang"],"acf":[],"yoast_head":"\n142. 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