{"id":7738,"date":"2022-02-21T09:14:28","date_gmt":"2022-02-21T02:14:28","guid":{"rendered":"https:\/\/anvilaw.com\/vi\/?p=7738"},"modified":"2022-02-23T17:11:39","modified_gmt":"2022-02-23T10:11:39","slug":"2-980-xu-ly-no-xau-cac-to-chuc-tin-dung-thap-thom-truoc-gio-g","status":"publish","type":"post","link":"https:\/\/anvilaw.com\/vi\/2-980-xu-ly-no-xau-cac-to-chuc-tin-dung-thap-thom-truoc-gio-g\/","title":{"rendered":"2.983. X\u1eed l\u00fd n\u1ee3 x\u1ea5u c\u00e1c t\u1ed5 ch\u1ee9c t\u00edn d\u1ee5ng: Th\u1ea5p th\u1ecfm tr\u01b0\u1edbc gi\u1edd G!"},"content":{"rendered":"(PLVN) –\u00a0 N\u1ebfu kh\u00f4ng c\u00f3 \u0111\u1ea1i d\u1ecbch COVID-19 th\u00ec Ngh\u1ecb quy\u1ebft 42\/2017\/QH14 (Ngh\u1ecb quy\u1ebft 42) c\u1ee7a Qu\u1ed1c h\u1ed9i v\u1ec1 th\u00ed \u0111i\u1ec3m x\u1eed l\u00fd n\u1ee3 x\u1ea5u c\u1ee7a c\u00e1c t\u1ed5 ch\u1ee9c t\u00edn d\u1ee5ng (TCTD) c\u00f3 th\u1ec3 s\u1ebd ho\u00e0n th\u00e0nh s\u1ee9 m\u1ec7nh v\u00e0o ng\u00e0y 15\/8 t\u1edbi. Th\u1eddi \u0111i\u1ec3m Ngh\u1ecb quy\u1ebft 42 h\u1ebft hi\u1ec7u l\u1ef1c \u0111ang \u0111\u1ebfn g\u1ea7n trong khi c\u00e2u chuy\u1ec7n n\u1ee3 x\u1ea5u v\u1eabn \u0111ang l\u00e0 n\u1ed7i lo kh\u00f4ng ch\u1ec9 v\u1edbi ng\u00e0nh ng\u00e2n h\u00e0ng.<\/strong><\/p>\n

\"\"<\/p>\n

\u1ea2nh minh h\u1ecda<\/em><\/p>\n

X\u1eed l\u00fd n\u1ee3 x\u1ea5u \u0111\u1ea1t nh\u1eefng k\u1ebft qu\u1ea3 t\u00edch c\u1ef1c<\/strong><\/p>\n

T\u1ea1i h\u1ed9i th\u1ea3o \u201cC\u1ea7n Lu\u1eadt ho\u00e1 Ngh\u1ecb quy\u1ebft 42 \u0111\u1ec3 gi\u1ea3i b\u00e0i to\u00e1n x\u1eed l\u00fd n\u1ee3 x\u1ea5u ng\u00e2n h\u00e0ng\u201d do Hi\u1ec7p h\u1ed9i Ng\u00e2n h\u00e0ng Vi\u1ec7t Nam (VNBA) ph\u1ed1i h\u1ee3p v\u1edbi B\u00e1o Lao \u0111\u1ed9ng t\u1ed5 ch\u1ee9c m\u1edbi \u0111\u00e2y, \u00f4ng Nguy\u1ec5n Qu\u1ed1c H\u00f9ng – T\u1ed5ng th\u01b0 k\u00fd VNBA \u0111\u00e1nh gi\u00e1, Ngh\u1ecb quy\u1ebft 42 \u0111\u00e3 t\u00e1c \u0111\u1ed9ng \u0111\u1ebfn n\u1ec1n kinh t\u1ebf n\u00f3i chung v\u00e0 ng\u00e0nh ng\u00e2n h\u00e0ng n\u00f3i ri\u00eang, \u0111\u1eb7c bi\u1ec7t trong b\u1ed1i c\u1ea3nh d\u1ecbch COVID-19.<\/p>\n

\u201cNgh\u1ecb quy\u1ebft 42 \u0111\u00e3 ph\u00e1 tan \u201cc\u1ee5c m\u00e1u \u0111\u00f4ng\u201d n\u1ee3 x\u1ea5u, \u0111\u01b0a d\u00f2ng v\u1ed1n lu\u00e2n chuy\u1ec3n v\u00e0o ho\u1ea1t \u0111\u1ed9ng s\u1ea3n xu\u1ea5t kinh doanh. T\u1eeb \u0111\u00f3 \u0111\u00e3 t\u1ea1o ti\u1ec1m l\u1ef1c cho c\u00e1c TCTD \u0111\u1ed5i m\u1edbi \u1ee9ng d\u1ee5ng c\u00f4ng ngh\u1ec7, chu\u1ea9n b\u1ecb tr\u01b0\u1edbc m\u1ed9t b\u01b0\u1edbc cho giai \u0111o\u1ea1n ti\u1ebfp theo. Do \u0111\u00f3, khi d\u1ecbch COVID-19 x\u1ea3y ra, c\u00e1c TCTD \u0111\u00e3 ch\u1ee7 \u0111\u1ed9ng v\u01b0\u1ee3t qua kh\u00f3 kh\u0103n, t\u00edch lu\u1ef9 l\u1ee3i nhu\u1eadn v\u00e0 \u0111\u1ea7u t\u01b0 b\u1ed5 sung c\u00f4ng ngh\u1ec7\u201d – \u00f4ng H\u00f9ng nh\u1eadn \u0111\u1ecbnh.<\/p>\n

C\u0169ng theo T\u1ed5ng th\u01b0 k\u00fd VNBA, k\u1ec3 c\u1ea3 tr\u00edch l\u1eadp d\u1ef1 ph\u00f2ng r\u1ee7i ro (DPRR) 30% nh\u01b0ng trong n\u0103m 2021, t\u00ecnh h\u00ecnh t\u00e0i ch\u00ednh c\u1ee7a c\u00e1c TCTD v\u1eabn r\u1ea5t kh\u1ea3 quan. \u201cNgu\u1ed3n thu ch\u00ednh c\u1ee7a nh\u00e0 b\u0103ng kh\u00f4ng ch\u1ec9 \u0111\u1ebfn t\u1eeb t\u00edn d\u1ee5ng m\u00e0 c\u00f2n t\u1eeb nh\u1eefng ho\u1ea1t \u0111\u1ed9ng d\u1ecbch v\u1ee5 v\u00e0 \u0111\u1ed5i m\u1edbi c\u00f4ng ngh\u1ec7. C\u00e1c TCTD tr\u1edf th\u00e0nh v\u00ed c\u1ee7a ng\u01b0\u1eddi d\u00e2n v\u00e0 t\u1eadn d\u1ee5ng t\u1ed1i ta ti\u1ec1n g\u1eedi t\u0103ng v\u01b0\u1ee3t b\u1eadc trong n\u0103m 2021 v\u00e0 \u0111\u1ea7u 2022. T\u1ef7 l\u1ec7 CASA (ti\u1ec1n g\u1eedi kh\u00f4ng k\u1ef3 h\u1ea1n) c\u1ee7a c\u00e1c ng\u00e2n h\u00e0ng l\u00ean \u0111\u1ebfn 40 – 45% l\u00e0 \u0111i\u1ec1u kh\u00f4ng t\u01b0\u1edfng c\u00e1ch \u0111\u00e2y ch\u1ee5c n\u0103m. Nh\u1eefng \u0111i\u1ec1u n\u00e0y \u0111\u00e3 cho th\u1ea5y Ngh\u1ecb \u0111\u1ecbnh 42 hi\u1ec7u qu\u1ea3 nh\u01b0 th\u1ebf n\u00e0o\u201d – \u00f4ng ph\u00e2n t\u00edch.<\/p>\n

T\u00ednh \u0111\u1ebfn cu\u1ed1i n\u0103m 2021, to\u00e0n h\u1ec7 th\u1ed1ng c\u00e1c TCTD \u0111\u00e3 x\u1eed l\u00fd \u0111\u01b0\u1ee3c tr\u00ean 1.300 ngh\u00ecn t\u1ef7 \u0111\u1ed3ng n\u1ee3 x\u1ea5u (Giai \u0111o\u1ea1n 2012-2015 x\u1eed l\u00fd \u0111\u01b0\u1ee3c 493,1 ngh\u00ecn t\u1ef7 \u0111\u1ed3ng; giai \u0111o\u1ea1n 2016-2021 x\u1eed l\u00fd \u0111\u01b0\u1ee3c tr\u00ean 800 ngh\u00ecn t\u1ef7 \u0111\u1ed3ng); T\u1ed5ng n\u1ee3 x\u1ea5u x\u00e1c \u0111\u1ecbnh theo Ngh\u1ecb quy\u1ebft 42 c\u1ee7a to\u00e0n h\u1ec7 th\u1ed1ng c\u00e1c TCTD \u0111\u00e3 x\u1eed l\u00fd \u0111\u01b0\u1ee3c kho\u1ea3ng 368,9 ngh\u00ecn t\u1ef7 \u0111\u1ed3ng (kh\u00f4ng bao g\u1ed3m n\u1ee3 x\u1ea5u x\u1eed l\u00fd b\u1eb1ng s\u1eed d\u1ee5ng DPRR). S\u1ed1 n\u1ee3 x\u1ea5u x\u00e1c \u0111\u1ecbnh theo Ngh\u1ecb quy\u1ebft 42 \u0111\u01b0\u1ee3c x\u1eed l\u00fd thu h\u1ed3i trong giai \u0111o\u1ea1n t\u1eeb 15\/8\/2017 \u0111\u1ebfn cu\u1ed1i n\u0103m 2021 \u0111\u1ea1t trung b\u00ecnh kho\u1ea3ng 6,92 ngh\u00ecn t\u1ef7 \u0111\u1ed3ng\/th\u00e1ng, cao h\u01a1n 3,94 ngh\u00ecn t\u1ef7 \u0111\u1ed3ng\/th\u00e1ng so v\u1edbi giai \u0111o\u1ea1n tr\u01b0\u1edbc khi c\u00f3 Ngh\u1ecb quy\u1ebft 42 (2012 – 2017). T\u1ef7 l\u1ec7 n\u1ee3 x\u1ea5u n\u1ed9i b\u1ea3ng c\u1ee7a h\u1ec7 th\u1ed1ng TCTD trong giai \u0111o\u1ea1n 2016-2021 \u0111\u01b0\u1ee3c duy tr\u00ec d\u01b0\u1edbi m\u1ee9c 3%. \u201cN\u1ebfu kh\u00f4ng c\u00f3 d\u1ecbch COVID-19, t\u1ef7 l\u1ec7 n\u1ee3 x\u1ea5u s\u1ebd \u0111\u1ea1t \u0111\u01b0\u1ee3c m\u1ee5c ti\u00eau nh\u01b0 Ngh\u1ecb quy\u1ebft \u0111\u1ec1 ra\u201d – T\u1ed5ng th\u1ee9 k\u00fd VNBA n\u00f3i.<\/p>\n

TS C\u1ea5n V\u0103n L\u1ef1c \u2013 Chuy\u00ean gia Kinh t\u1ebf tr\u01b0\u1edfng BIDV kh\u00f4ng ng\u1ea1c nhi\u00ean khi t\u1ef7 l\u1ec7 n\u1ee3 x\u1ea5u to\u00e0n ng\u00e0nh ng\u00e2n h\u00e0ng t\u0103ng m\u1ea1nh k\u1ec3 t\u1eeb n\u0103m 2020 v\u00e0 d\u1ef1 ki\u1ebfn s\u1ebd c\u00f2n t\u0103ng trong giai \u0111o\u1ea1n t\u1edbi. \u201cTr\u00ean th\u1ef1c t\u1ebf, \u0111\u1ec3 \u1ee9ng ph\u00f3 v\u1edbi di\u1ec5n bi\u1ebfn ti\u00eau c\u1ef1c c\u1ee7a n\u1ee3 x\u1ea5u, c\u00e1c TCTD \u0111\u00e3 ch\u1ee7 \u0111\u1ed9ng ph\u00e2n lo\u1ea1i n\u1ee3, tr\u00edch l\u1eadp DPRR (t\u1ef7 l\u1ec7 bao ph\u1ee7 n\u1ee3 x\u1ea5u b\u00ecnh qu\u00e2n c\u1ee7a 28 ng\u00e2n h\u00e0ng th\u01b0\u01a1ng m\u1ea1i ni\u00eam y\u1ebft v\u00e0 Agribank – chi\u1ebfm kho\u1ea3ng 80% th\u1ecb ph\u1ea7n t\u1ed5ng t\u00e0i s\u1ea3n \u0111\u00e3 t\u0103ng l\u00ean m\u1ee9c 150% cu\u1ed1i n\u0103m 2021, l\u00e0 m\u1ee9c cao nh\u1ea5t t\u1eeb tr\u01b0\u1edbc t\u1edbi nay), song kh\u00f4ng th\u1ec3 ph\u1ee7 nh\u1eadn n\u1ee3 x\u1ea5u v\u1eabn c\u00f2n ti\u1ec1m \u1ea9n r\u1ea5t nhi\u1ec1u r\u1ee7i ro, g\u00e1nh n\u1eb7ng \u0111\u1ed1i v\u1edbi h\u1ec7 th\u1ed1ng TCTD l\u00e0 kh\u00f4ng nh\u1ecf, \u0111\u1eb7c bi\u1ec7t \u00e1p l\u1ef1c x\u1eed l\u00fd n\u1ee3 x\u1ea5u c\u1ee7a h\u1ec7 th\u1ed1ng c\u00e1c TCTD k\u1ec3 t\u1eeb qu\u00fd III\/2022 l\u00e0 r\u1ea5t l\u1edbn\u201d – Chuy\u00ean gia n\u00e0y ph\u00e1t bi\u1ec3u.<\/p>\n

Gia h\u1ea1n hay lu\u1eadt h\u00f3a Ngh\u1ecb quy\u1ebft 42?<\/strong><\/p>\n

\u201cTrong \u0111i\u1ec1u ki\u1ec7n Ngh\u1ecb quy\u1ebft 42 s\u1eafp h\u1ebft hi\u1ec7u l\u1ef1c, \u00e1p l\u1ef1c n\u1ee3 x\u1ea5u \u0111ang ng\u00e0y m\u1ed9t hi\u1ec7n h\u1eefu, vi\u1ec7c gia h\u1ea1n Ngh\u1ecb quy\u1ebft 42 v\u00e0 ti\u1ebfn t\u1edbi lu\u1eadt h\u00f3a Ngh\u1ecb quy\u1ebft 42 l\u00e0 nh\u1eefng b\u01b0\u1edbc \u0111i c\u1ea7n thi\u1ebft\u201d – Lu\u1eadt s\u01b0 Tr\u01b0\u01a1ng Thanh \u0110\u1ee9c, C\u00f4ng ty Lu\u1eadt ANVI qu\u1ea3 quy\u1ebft. Theo Lu\u1eadt s\u01b0 \u0110\u1ee9c, c\u1ea7n ph\u1ea3i k\u00e9o d\u00e0i Ngh\u1ecb quy\u1ebft 42 n\u1ebfu ch\u01b0a k\u1ecbp ban h\u00e0nh Lu\u1eadt. \u201cKh\u00f4ng ph\u1ea3i v\u00ec ng\u00e2n h\u00e0ng m\u00e0 v\u00ec c\u1ea3 n\u1ec1n kinh t\u1ebf\u2026\u201d- Lu\u1eadt s\u01b0 nh\u1ea5n m\u1ea1nh.<\/em><\/p>\n

Tuy nhi\u00ean, sau g\u1ea7n 5 n\u0103m tr\u1ec3n khai Ngh\u1ecb quy\u1ebft 42, nhi\u1ec1u b\u1ea5t c\u1eadp \u0111\u00e3 ph\u00e1t sinh \u0111\u00f2i h\u1ecfi c\u1ea7n c\u00f3 s\u1ef1 \u0111i\u1ec1u ch\u1ec9nh. Theo T\u1ed5ng th\u01b0 k\u00fd VNBA Nguy\u1ec5n Qu\u1ed1c H\u00f9ng, c\u00f3 5 v\u01b0\u1edbng m\u1eafc l\u1edbn hi\u1ec7n nay g\u1ed3m: V\u01b0\u1edbng m\u1eafc trong thu gi\u1eef t\u00e0i s\u1ea3n b\u1ea3o \u0111\u1ea3m (TSB\u0110); V\u01b0\u1edbng m\u1eafc trong \u00e1p d\u1ee5ng th\u1ee7 t\u1ee5c r\u00fat g\u1ecdn; V\u01b0\u1edbng m\u1eafc trong vi\u1ec7c x\u00e1c \u0111\u1ecbnh th\u1ee9 t\u1ef1 \u01b0u ti\u00ean thanh to\u00e1n t\u1eeb ti\u1ec1n b\u00e1n\/ph\u00e1t m\u1ea1i TSB\u0110; Kh\u00f3 kh\u0103n v\u1ec1 nh\u1eadn l\u1ea1i TSB\u0110 l\u00e0 v\u1eadt ch\u1ee9ng trong v\u1ee5 \u00e1n h\u00ecnh s\u1ef1; V\u01b0\u1edbng m\u1eafc trong nguy\u00ean t\u1eafc \u00e1p d\u1ee5ng ph\u00e1p lu\u1eadt v\u1ec1 x\u1eed l\u00fd n\u1ee3 x\u1ea5u, x\u1eed l\u00fd TSB\u0110 c\u1ee7a kho\u1ea3n n\u1ee3 x\u1ea5u…<\/p>\n

Theo TS C\u1ea5n V\u0103n L\u1ef1c, c\u00f3 6 l\u00fd do \u0111\u00e1ng \u0111\u1ec3 c\u00e2n nh\u1eafc gia h\u1ea1n Ngh\u1ecb quy\u1ebft 42: Th\u1ee9 nh\u1ea5t, t\u00e1c \u0111\u1ed9ng, hi\u1ec7u qu\u1ea3 c\u1ee7a Ngh\u1ecb quy\u1ebft 42 l\u00e0 r\u1ea5t t\u00edch c\u1ef1c, r\u00f5 n\u00e9t; Th\u1ee9 hai, c\u00f2n m\u1ed9t s\u1ed1 v\u01b0\u1edbng m\u1eafc ch\u00ednh khi th\u1ef1c hi\u1ec7n Ngh\u1ecb quy\u1ebft 42 trong th\u1eddi gian qua; Th\u1ee9 ba, n\u1ee3 x\u1ea5u l\u00e0 v\u1ea5n \u0111\u1ec1 li\u00ean t\u1ee5c, hi\u1ec7n h\u1eefu c\u1ee7a ng\u00e0nh ng\u00e2n h\u00e0ng v\u00e0 c\u00f3 xu h\u01b0\u1edbng gia t\u0103ng; Th\u1ee9 t\u01b0, Ngh\u1ecb quy\u1ebft 42 s\u1ebd g\u00f3p ph\u1ea7n c\u1ea3i thi\u1ec7n, t\u0103ng hi\u1ec7u l\u1ef1c, hi\u1ec7u qu\u1ea3 c\u1ee7a th\u1ec3 ch\u1ebf, m\u1ed9t trong 3 \u0111\u1ed9t ph\u00e1 chi\u1ebfn l\u1ef1; Th\u1ee9 n\u0103m, v\u1ec1 tr\u00e1ch nhi\u1ec7m qu\u1ed1c t\u1ebf, \u0111\u00e2y l\u00e0 l\u00fac r\u00e0 so\u00e1t c\u00e1c quy \u0111\u1ecbnh ph\u00e1p lu\u1eadt v\u1ec1 kinh doanh, qu\u1ea3n l\u00fd v\u00e0 x\u1eed l\u00fd n\u1ee3 x\u1ea5u; Th\u1ee9 s\u00e1u, x\u1eed l\u00fd b\u1ea5t c\u1eadp, t\u0103ng hi\u1ec7u qu\u1ea3 x\u1eed l\u00fd n\u1ee3 x\u1ea5u.<\/p>\n

Chuy\u00ean gia n\u00e0y c\u0169ng nh\u1ea5n m\u1ea1nh, c\u00e1c gi\u1ea3i ph\u00e1p m\u1ea1nh m\u1ebd \u0111\u1ec3 x\u1eed l\u00fd tri\u1ec7t \u0111\u1ec3 n\u1ee3 x\u1ea5u, \u0111\u1eb7c bi\u1ec7t c\u00e1c gi\u1ea3i ph\u00e1p li\u00ean quan \u0111\u1ebfn khung ph\u00e1p l\u00fd, c\u1ea7n ph\u1ea3i \u0111\u01b0\u1ee3c \u0111\u1eb7c bi\u1ec7t ch\u00fa tr\u1ecdng trong n\u0103m 2022 \u0111\u1ec3 n\u00e2ng cao hi\u1ec7u qu\u1ea3 x\u1eed l\u00fd n\u1ee3 x\u1ea5u, tr\u00e1nh t\u00ecnh tr\u1ea1ng n\u1ee3 x\u1ea5u c\u0169 ch\u01b0a \u0111\u01b0\u1ee3c x\u1eed l\u00fd, n\u1ee3 x\u1ea5u m\u1edbi gia t\u0103ng nhanh h\u01a1n, nh\u1eb1m th\u00e1o g\u1ee1 r\u1ee7i ro ti\u1ec1m t\u00e0ng cho n\u1ec1n kinh t\u1ebf.<\/p>\n

Thanh Thanh<\/strong><\/p>\n

———————–<\/p>\n

Ph\u00e1p lu\u1eadt Vi\u1ec7t Nam (T\u00e0i ch\u00ednh) 21-02-2022:<\/em><\/strong><\/p>\n

https:\/\/baophapluat.vn\/xu-ly-no-xau-cac-to-chuc-tin-dung-thap-thom-truoc-gio-g-post434763.html<\/em><\/a><\/p>\n

(83\/1.132)<\/em>","protected":false},"excerpt":{"rendered":"

(PLVN) –\u00a0 N\u1ebfu kh\u00f4ng c\u00f3 \u0111\u1ea1i d\u1ecbch COVID-19 th\u00ec Ngh\u1ecb quy\u1ebft 42\/2017\/QH14 (Ngh\u1ecb quy\u1ebft 42) c\u1ee7a Qu\u1ed1c h\u1ed9i v\u1ec1 th\u00ed \u0111i\u1ec3m x\u1eed l\u00fd n\u1ee3 x\u1ea5u c\u1ee7a c\u00e1c t\u1ed5 ch\u1ee9c t\u00edn d\u1ee5ng (TCTD) c\u00f3 th\u1ec3 s\u1ebd ho\u00e0n th\u00e0nh s\u1ee9 m\u1ec7nh v\u00e0o ng\u00e0y 15\/8 t\u1edbi. Th\u1eddi \u0111i\u1ec3m Ngh\u1ecb quy\u1ebft 42 h\u1ebft hi\u1ec7u l\u1ef1c \u0111ang \u0111\u1ebfn g\u1ea7n trong […]<\/p>\n","protected":false},"author":1,"featured_media":7739,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":""},"categories":[17,26],"tags":[],"class_list":["post-7738","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-binh-luan-gop-y","category-legal-media"],"acf":[],"yoast_head":"\n2.983. 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