{"id":2848,"date":"2019-06-09T07:33:58","date_gmt":"2019-06-09T04:33:58","guid":{"rendered":"https:\/\/super-news.info\/vi\/ngan-hang-tung-von-chan-tin-dung-den\/"},"modified":"2019-06-09T07:33:59","modified_gmt":"2019-06-09T04:33:59","slug":"ngan-hang-tung-von-chan-tin-dung-den","status":"publish","type":"post","link":"https:\/\/super-news.info\/vi\/ngan-hang-tung-von-chan-tin-dung-den\/","title":{"rendered":"Ng\u00e2n h\u00e0ng tung v\u1ed1n ch\u1eb7n t\u00edn d\u1ee5ng \u0111en"},"content":{"rendered":"

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T\u1ea1i phi\u00ean th\u1ea3o lu\u1eadn to\u00e0n th\u1ec3 c\u1ee7a Qu\u1ed1c h\u1ed9i v\u1ec1 kinh t\u1ebf – x\u00e3 h\u1ed9i m\u1edbi \u0111\u00e2y, m\u1ed9t s\u1ed1 \u0111\u1ea1i bi\u1ec3u cho bi\u1ebft nhi\u1ec1u c\u1eed tri ng\u00e0y c\u00e0ng lo l\u1eafng v\u1ec1 t\u00ecnh tr\u1ea1ng t\u00edn d\u1ee5ng \u0111en, cho vay n\u1eb7ng l\u00e3i. \u0110\u1ebfn phi\u00ean ch\u1ea5t v\u1ea5n B\u1ed9 tr\u01b0\u1edfng B\u1ed9 C\u00f4ng an T\u00f4 L\u00e2m sau \u0111\u00f3, m\u1ed9t s\u1ed1 \u0111\u1ea1i bi\u1ec3u ti\u1ebfp t\u1ee5c \u0111\u1eb7t v\u1ea5n \u0111\u1ec1 li\u00ean quan t\u1ed9i ph\u1ea1m cho vay n\u1eb7ng l\u00e3i, t\u00edn d\u1ee5ng \u0111en. Theo B\u1ed9 tr\u01b0\u1edfng T\u00f4 L\u00e2m, \u0111\u00e2y l\u00e0 m\u1ed9t trong nh\u1eefng nguy\u00ean nh\u00e2n n\u1ea3y sinh t\u1ed9i ph\u1ea1m, b\u1edfi b\u1ea3n ch\u1ea5t t\u00edn d\u1ee5ng \u0111en l\u00e0 quan h\u1ec7 d\u00e2n s\u1ef1, kinh t\u1ebf. Th\u1eddi gian t\u1edbi, ng\u00e0nh c\u00f4ng an s\u1ebd ti\u1ebfp t\u1ee5c tr\u1ea5n \u00e1p nh\u00f3m t\u1ed9i ph\u1ea1m n\u00e0y.<\/p>\n

M\u1edf r\u1ed9ng k\u00eanh vay v\u1ed1n ch\u00ednh th\u1ee9c<\/b><\/p>\n

L\u00e3nh \u0111\u1ea1o B\u1ed9 C\u00f4ng an cho bi\u1ebft \u0111\u00e3 tham m\u01b0u cho Th\u1ee7 t\u01b0\u1edbng Ch\u00ednh ph\u1ee7 ban h\u00e0nh Ch\u1ec9 th\u1ecb 12 v\u1ec1 vi\u1ec7c ph\u00e2n c\u00f4ng tr\u00e1ch nhi\u1ec7m c\u1ee5 th\u1ec3 \u0111\u1ed1i v\u1edbi c\u00e1c ng\u00e0nh \u0111\u1ec3 gi\u1ea3i quy\u1ebft t\u00ecnh tr\u1ea1ng t\u00edn d\u1ee5ng \u0111en. Trong nh\u1eefng gi\u1ea3i ph\u00e1p c\u01a1 b\u1ea3n \u0111\u01b0\u1ee3c k\u1ef3 v\u1ecdng g\u00f3p ph\u1ea7n l\u00e0m gi\u1ea3m s\u1ef1 ph\u1ee9c t\u1ea1p c\u1ee7a t\u00edn d\u1ee5ng \u0111en th\u1eddi gian t\u1edbi, ng\u00e0nh ng\u00e2n h\u00e0ng (NH) s\u1ebd m\u1edf r\u1ed9ng k\u00eanh vay v\u1ed1n ch\u00ednh th\u1ee9c.<\/p>\n

M\u1edbi \u0111\u00e2y, Th\u1ed1ng \u0111\u1ed1c NH Nh\u00e0 n\u01b0\u1edbc \u0111\u00e3 ban h\u00e0nh quy\u1ebft \u0111\u1ecbnh v\u1ec1 k\u1ebf ho\u1ea1ch h\u00e0nh \u0111\u1ed9ng c\u1ee7a ng\u00e0nh nh\u1eb1m tri\u1ec3n khai ch\u1ec9 th\u1ecb c\u1ee7a Th\u1ee7 t\u01b0\u1edbng Ch\u00ednh ph\u1ee7, g\u00f3p ph\u1ea7n ng\u0103n ch\u1eb7n t\u00edn d\u1ee5ng \u0111en. B\u1ea3y gi\u1ea3i ph\u00e1p c\u1ee5 th\u1ec3 \u0111\u00e3 \u0111\u01b0\u1ee3c th\u1ed1ng \u0111\u1ed1c giao cho c\u00e1c \u0111\u01a1n v\u1ecb tr\u1ef1c thu\u1ed9c, \u0111\u1ed3ng th\u1eddi ph\u1ed1i h\u1ee3p v\u1edbi c\u00e1c b\u1ed9 – ng\u00e0nh, t\u1ed5 ch\u1ee9c ch\u00ednh tr\u1ecb – x\u00e3 h\u1ed9i trong “cu\u1ed9c chi\u1ebfn” \u0111\u1ea9y l\u00f9i t\u00edn d\u1ee5ng \u0111en.<\/p>\n

Theo \u0111\u00f3, Th\u1ed1ng \u0111\u1ed1c NH Nh\u00e0 n\u01b0\u1edbc y\u00eau c\u1ea7u to\u00e0n ng\u00e0nh nghi\u00ean c\u1ee9u ban h\u00e0nh theo th\u1ea9m quy\u1ec1n ho\u1eb7c tham m\u01b0u cho Ch\u00ednh ph\u1ee7, Th\u1ee7 t\u01b0\u1edbng Ch\u00ednh ph\u1ee7 c\u00f3 c\u00e1c ch\u00ednh s\u00e1ch m\u1edf r\u1ed9ng, \u0111a d\u1ea1ng nh\u1eefng lo\u1ea1i h\u00ecnh cho vay, s\u1ea3n ph\u1ea9m d\u1ecbch v\u1ee5 NH. B\u00ean c\u1ea1nh \u0111\u00f3, ph\u00e1t tri\u1ec3n c\u00f4ng ty t\u00e0i ch\u00ednh, t\u1ed5 ch\u1ee9c t\u00e0i ch\u00ednh vi m\u00f4 ph\u1ee7 kh\u1eafp c\u00e1c v\u00f9ng, mi\u1ec1n v\u1edbi th\u1ee7 t\u1ee5c nhanh g\u1ecdn v\u00e0 thu\u1eadn ti\u1ec7n, \u0111\u00e1p \u1ee9ng nhu c\u1ea7u vay v\u1ed1n ch\u00ednh \u0111\u00e1ng, h\u1ee3p ph\u00e1p, ph\u1ee5c v\u1ee5 \u0111\u1eddi s\u1ed1ng, ti\u00eau d\u00f9ng c\u1ee7a ng\u01b0\u1eddi d\u00e2n \u0111\u1ec3 g\u00f3p ph\u1ea7n ng\u0103n ch\u1eb7n t\u00edn d\u1ee5ng \u0111en.<\/p>\n

Th\u1ed1ng \u0111\u1ed1c NH Nh\u00e0 n\u01b0\u1edbc y\u00eau c\u1ea7u c\u00e1c c\u01a1 quan tr\u1ef1c thu\u1ed9c ph\u1ed1i h\u1ee3p v\u1edbi c\u00e1c t\u1ed5 ch\u1ee9c ch\u00ednh tr\u1ecb – x\u00e3 h\u1ed9i h\u01b0\u1edbng d\u1eabn nh\u1eefng qu\u1ef9 x\u00e3 h\u1ed9i, ch\u01b0\u01a1ng tr\u00ecnh t\u00e0i ch\u00ednh vi m\u00f4 \u0111\u0103ng k\u00fd ho\u1ea1t \u0111\u1ed9ng; \u0111\u1ea9y m\u1ea1nh ch\u01b0\u01a1ng tr\u00ecnh, d\u1ef1 \u00e1n t\u00e0i ch\u00ednh vi m\u00f4; t\u0103ng c\u01b0\u1eddng ki\u1ec3m tra, gi\u00e1m s\u00e1t vi\u1ec7c th\u1ef1c hi\u1ec7n quy \u0111\u1ecbnh ph\u00e1p lu\u1eadt v\u1ec1 ho\u1ea1t \u0111\u1ed9ng t\u00edn d\u1ee5ng nh\u1eb1m b\u1ea3o \u0111\u1ea3m cho ng\u01b0\u1eddi d\u00e2n, nh\u1ea5t l\u00e0 c\u00e1c \u0111\u1ed1i t\u01b0\u1ee3ng kh\u00f3 kh\u0103n, \u0111\u01b0\u1ee3c ti\u1ebfp c\u1eadn d\u1ecbch v\u1ee5 t\u00e0i ch\u00ednh to\u00e0n di\u1ec7n\u2026<\/p>\n

Cu\u1ed1i tu\u1ea7n n\u00e0y, h\u00f4m 7-6, Trung t\u00e2m Th\u00f4ng tin t\u00edn d\u1ee5ng qu\u1ed1c gia Vi\u1ec7t Nam (CIC) thu\u1ed9c NH Nh\u00e0 n\u01b0\u1edbc \u0111\u00e3 ch\u00ednh th\u1ee9c \u0111\u01b0a v\u00e0o v\u1eadn h\u00e0nh C\u1ed5ng th\u00f4ng tin k\u1ebft n\u1ed1i kh\u00e1ch h\u00e0ng vay qua website v\u00e0 \u1ee9ng d\u1ee5ng tr\u00ean \u0111i\u1ec7n tho\u1ea1i di \u0111\u1ed9ng v\u1edbi nhi\u1ec1u ti\u1ec7n \u00edch. Qua c\u1ed5ng th\u00f4ng tin n\u00e0y, kh\u00e1ch h\u00e0ng c\u00f3 th\u1ec3 t\u00ecm hi\u1ec3u, l\u1ef1a ch\u1ecdn c\u00e1c g\u00f3i t\u00edn d\u1ee5ng v\u00e0 \u0111\u0103ng k\u00fd vay v\u1ed1n t\u1ea1i t\u1ed5 ch\u1ee9c t\u00edn d\u1ee5ng ph\u00f9 h\u1ee3p, ti\u1ebft ki\u1ec7m \u0111\u01b0\u1ee3c chi ph\u00ed \u0111i l\u1ea1i v\u00e0 th\u1eddi gian.<\/p>\n

\u0110\u00e2y l\u00e0 m\u1ed9t trong nh\u1eefng b\u01b0\u1edbc \u0111i ti\u1ebfp theo c\u1ee7a ng\u00e0nh NH trong lo\u1ea1t gi\u1ea3i ph\u00e1p th\u00fac \u0111\u1ea9y t\u00e0i ch\u00ednh to\u00e0n di\u1ec7n, n\u00e2ng cao kh\u1ea3 n\u0103ng ti\u1ebfp c\u1eadn t\u00edn d\u1ee5ng c\u1ee7a kh\u00e1ch h\u00e0ng, g\u00f3p ph\u1ea7n h\u1ea1n ch\u1ebf t\u00edn d\u1ee5ng \u0111en. Theo Ph\u00f3 Th\u1ed1ng \u0111\u1ed1c NH Nh\u00e0 n\u01b0\u1edbc Nguy\u1ec5n Kim Anh, c\u1ed5ng th\u00f4ng tin n\u00e0y c\u00f2n l\u00e0 k\u00eanh cung c\u1ea5p b\u00e1o c\u00e1o t\u00edn d\u1ee5ng cho kh\u00e1ch h\u00e0ng, gi\u00fap ng\u01b0\u1eddi vay gi\u00e1m s\u00e1t, theo d\u00f5i \u0111\u01b0\u1ee3c th\u00f4ng tin, \u0111i\u1ec3m t\u00edn d\u1ee5ng v\u00e0 m\u1ee9c \u0111\u1ed9 t\u00edn nhi\u1ec7m c\u1ee7a m\u00ecnh, ph\u00f2ng tr\u00e1nh gian l\u1eadn\u2026<\/p>\n

“S\u1eafp t\u1edbi, CIC c\u1ea7n ti\u1ebfp t\u1ee5c \u1ee9ng d\u1ee5ng tr\u00ed tu\u1ec7 nh\u00e2n t\u1ea1o, x\u1eed l\u00fd d\u1eef li\u1ec7u l\u1edbn, c\u00f4ng ngh\u1ec7 chu\u1ed7i kh\u1ed1i, c\u00f4ng ngh\u1ec7 x\u00e1c th\u1ef1c kh\u00e1ch h\u00e0ng \u0111i\u1ec7n t\u1eed (eKYC) \u00e1p d\u1ee5ng v\u00e0o quy tr\u00ecnh nghi\u1ec7p v\u1ee5 kh\u00e1c, \u0111\u00e1p \u1ee9ng y\u00eau c\u1ea7u khai th\u00e1c s\u1eed d\u1ee5ng th\u00f4ng tin s\u1ed1 c\u1ee7a NH Nh\u00e0 n\u01b0\u1edbc, t\u1ed5 ch\u1ee9c t\u00edn d\u1ee5ng v\u00e0 ng\u01b0\u1eddi vay” – \u00f4ng Kim Anh nh\u1ea5n m\u1ea1nh.<\/p>\n

V\u1ec1 ph\u00eda c\u00e1c NH th\u01b0\u01a1ng m\u1ea1i, NH Nh\u00e0 n\u01b0\u1edbc khuy\u1ebfn kh\u00edch ph\u00e1t tri\u1ec3n m\u00f4 h\u00ecnh NH l\u01b0u \u0111\u1ed9ng \u1edf nh\u1eefng v\u00f9ng kh\u00f3 kh\u0103n, t\u1ea1o \u0111i\u1ec1u ki\u1ec7n cho kh\u00e1ch h\u00e0ng thu\u1eadn ti\u1ec7n h\u01a1n trong vi\u1ec7c ti\u1ebfp c\u1eadn v\u1ed1n v\u00e0 c\u00e1c d\u1ecbch v\u1ee5 kh\u00e1c.<\/p>\n

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M\u00f4 h\u00ecnh \u0111i\u1ec3m giao d\u1ecbch l\u01b0u \u0111\u1ed9ng c\u1ee7a Agribank, \u0111\u00e1p \u1ee9ng nhu c\u1ea7u vay v\u1ed1n c\u1ee7a ng\u01b0\u1eddi d\u00e2n \u1edf c\u00e1c v\u00f9ng s\u00e2u, v\u00f9ng xa. \u1ea2nh: HO\u00c0NG C\u01af\u1edcNG<\/p>\n

“S\u00e1ng vay, chi\u1ec1u nh\u1eadn”<\/b><\/p>\n

T\u00ednh \u0111\u1ebfn cu\u1ed1i th\u00e1ng 4-2019, sau 4 th\u00e1ng tri\u1ec3n khai g\u00f3i t\u00edn d\u1ee5ng 5.000 t\u1ec9 \u0111\u1ed3ng “s\u00e1ng vay, chi\u1ec1u gi\u1ea3i ng\u00e2n”, NH N\u00f4ng nghi\u1ec7p v\u00e0 Ph\u00e1t tri\u1ec3n n\u00f4ng th\u00f4n Vi\u1ec7t Nam (Agribank) cho bi\u1ebft doanh s\u1ed1 cho vay \u0111\u00e3 \u0111\u1ea1t 471 t\u1ec9 \u0111\u1ed3ng v\u1edbi 21.795 kh\u00e1ch h\u00e0ng. Ng\u01b0\u1eddi vay t\u1eadp trung ch\u1ee7 y\u1ebfu v\u00e0o c\u00e1c nhu c\u1ea7u mua s\u1eafm v\u1eadt d\u1ee5ng sinh ho\u1ea1t, s\u1eeda ch\u1eefa nh\u00e0 \u1edf; mua, s\u1eeda ch\u1eefa ph\u01b0\u01a1ng ti\u1ec7n ph\u1ee5c v\u1ee5 \u0111i l\u1ea1i; h\u1ecdc t\u1eadp, ch\u1eefa b\u1ec7nh v\u00e0 c\u00e1c nhu c\u1ea7u ti\u00eau d\u00f9ng h\u1ee3p l\u00fd kh\u00e1c.<\/p>\n

Theo \u0111\u1ea1i di\u1ec7n Agribank, NH n\u00e0y hi\u1ec7n c\u00f3 quy m\u00f4 d\u01b0 n\u1ee3 cho vay nhu c\u1ea7u sinh ho\u1ea1t ti\u00eau d\u00f9ng l\u00ean \u0111\u1ebfn h\u00e0ng tr\u0103m ng\u00e0n t\u1ec9 \u0111\u1ed3ng. “T\u1eeb \u0111\u1ea7u n\u0103m nay, \u0111\u1ec3 t\u0103ng kh\u1ea3 n\u0103ng ti\u1ebfp c\u1eadn v\u1ed1n t\u00edn d\u1ee5ng, nh\u1ea5t l\u00e0 t\u1ea1i \u0111\u1ecba b\u00e0n v\u00f9ng s\u00e2u, v\u00f9ng xa, \u0111\u00e1p \u1ee9ng k\u1ecbp th\u1eddi nhu c\u1ea7u ti\u00eau d\u00f9ng ch\u00ednh \u0111\u00e1ng c\u1ee7a ng\u01b0\u1eddi d\u00e2n, g\u00f3p ph\u1ea7n h\u1ea1n ch\u1ebf \u1ea3nh h\u01b0\u1edfng c\u1ee7a t\u00edn d\u1ee5ng \u0111en, Agribank \u0111\u00e3 tung t\u1ed1i thi\u1ec3u 5.000 t\u1ec9 \u0111\u1ed3ng \u0111\u1ec3 cho vay. Kh\u00e1ch h\u00e0ng c\u00f3 nhu c\u1ea7u v\u1ed1n kh\u00f4ng qu\u00e1 30 tri\u1ec7u \u0111\u1ed3ng cho m\u1ee5c \u0111\u00edch ti\u00eau d\u00f9ng c\u1ea5p thi\u1ebft, vay ng\u1eafn h\u1ea1n v\u00e0 ch\u1ee9ng minh \u0111\u01b0\u1ee3c ngu\u1ed3n tr\u1ea3 n\u1ee3, \u0111\u00e1p \u1ee9ng \u0111\u1ee7 \u0111i\u1ec1u ki\u1ec7n t\u00edn d\u1ee5ng theo quy \u0111\u1ecbnh s\u1ebd \u0111\u01b0\u1ee3c \u01b0u ti\u00ean x\u00e9t duy\u1ec7t v\u00e0 gi\u1ea3i ng\u00e2n ngay trong ng\u00e0y” – \u0111\u1ea1i di\u1ec7n Agribank kh\u1eb3ng \u0111\u1ecbnh.<\/p>\n

S\u1eafp t\u1edbi, Agribank s\u1ebd m\u1edf r\u1ed9ng th\u00eam nhi\u1ec1u k\u00eanh cho vay, gi\u1ea3i ng\u00e2n m\u1edbi nh\u01b0: th\u1ea5u chi t\u00e0i kho\u1ea3n th\u1ebb ghi n\u1ee3 n\u1ed9i \u0111\u1ecba, cho vay theo h\u1ea1n m\u1ee9c t\u00edn d\u1ee5ng \u0111\u1ed1i v\u1edbi h\u1ed9 gia \u0111\u00ecnh s\u1ea3n xu\u1ea5t – kinh doanh quy m\u00f4 nh\u1ecf\u2026 Agribank c\u0169ng \u0111\u1ea9y m\u1ea1nh cho vay qua c\u00e1c t\u1ed5 vay v\u1ed1n, ch\u1ee7 \u0111\u1ed9ng \u0111\u0103ng k\u00fd v\u1edbi ch\u00ednh quy\u1ec1n \u0111\u1ecba ph\u01b0\u01a1ng \u0111\u1ec3 m\u1edf r\u1ed9ng ph\u1ea1m vi ho\u1ea1t \u0111\u1ed9ng c\u1ee7a \u0111i\u1ec3m giao d\u1ecbch l\u01b0u \u0111\u1ed9ng b\u1eb1ng \u00f4t\u00f4 chuy\u00ean d\u00f9ng \u1edf c\u00e1c v\u00f9ng s\u00e2u, v\u00f9ng xa – n\u01a1i \u0111i\u1ec1u ki\u1ec7n \u0111i l\u1ea1i c\u1ee7a ng\u01b0\u1eddi d\u00e2n c\u00f2n g\u1eb7p nhi\u1ec1u kh\u00f3 kh\u0103n.<\/p>\n

Trong khi \u0111\u00f3, t\u1ea1i c\u00e1c c\u00f4ng ty t\u00e0i ch\u00ednh, m\u1ea1ng l\u01b0\u1edbi c\u00e1c \u0111i\u1ec3m b\u00e1n h\u00e0ng c\u0169ng kh\u00f4ng ng\u1eebng m\u1edf r\u1ed9ng \u0111\u1ec3 ng\u01b0\u1eddi d\u00e2n c\u00f3 th\u1ec3 ti\u1ebfp c\u1eadn d\u1ec5 d\u00e0ng. Khi ng\u01b0\u1eddi d\u00e2n c\u00f3 \u0111\u1ee7 th\u00f4ng tin v\u00e0 th\u00eam l\u1ef1a ch\u1ecdn khi c\u1ea7n vay, h\u1ecd s\u1ebd gi\u1ea3m d\u1ea7n th\u00f3i quen t\u00ecm \u0111\u1ebfn t\u00edn d\u1ee5ng \u0111en.<\/p>\n

\u0110\u1ea1i di\u1ec7n C\u00f4ng ty T\u00e0i ch\u00ednh Home Credit Vi\u1ec7t Nam cho bi\u1ebft sau 10 n\u0103m ho\u1ea1t \u0111\u1ed9ng \u0111\u00e3 x\u00e2y d\u1ef1ng m\u1ea1ng l\u01b0\u1edbi 7.000 \u0111i\u1ec3m gi\u1edbi thi\u1ec7u d\u1ecbch v\u1ee5 kh\u1eafp c\u1ea3 n\u01b0\u1edbc. T\u1eeb th\u00e1ng 5-2019, c\u00f4ng ty n\u00e0y \u0111\u00e3 ho\u00e0n thi\u1ec7n v\u00e0 ra m\u1eaft t\u00ednh n\u0103ng \u0111\u0103ng k\u00fd vay tr\u1ef1c tuy\u1ebfn th\u00f4ng qua \u1ee9ng d\u1ee5ng Home Credit Vietnam. Sau khi c\u00e0i \u0111\u1eb7t, kh\u00e1ch h\u00e0ng c\u00f3 th\u1ec3 ch\u1ee7 \u0111\u1ed9ng \u0111\u0103ng k\u00fd vay ti\u1ec1n trong 2 ph\u00fat, th\u1eddi gian x\u00e9t duy\u1ec7t h\u1ed3 s\u01a1 \u0111\u01b0\u1ee3c r\u00fat ng\u1eafn c\u00f2n 10 ph\u00fat v\u00e0 c\u00f3 th\u1ec3 nh\u1eadn ti\u1ec1n ngay trong ng\u00e0y. V\u1edbi b\u01b0\u1edbc ti\u1ebfn n\u00e0y, kh\u1ea3 n\u0103ng ti\u1ebfp c\u1eadn v\u1edbi v\u1ed1n vay c\u1ee7a kh\u00e1ch h\u00e0ng s\u1ebd \u0111\u01b0\u1ee3c n\u00e2ng cao \u0111\u00e1ng k\u1ec3.<\/p>\n

V\u00ec sao nhi\u1ec1u ng\u01b0\u1eddi t\u00ecm \u0111\u1ebfn t\u00edn d\u1ee5ng \u0111en? Theo c\u00e1c chuy\u00ean gia kinh t\u1ebf, t\u00edn d\u1ee5ng \u0111en ph\u1ed5 bi\u1ebfn v\u00ec qu\u00e1 d\u1ec5 ti\u1ebfp c\u1eadn. Tr\u00ean c\u1ed9t \u0111i\u1ec7n, b\u1edd t\u01b0\u1eddng, m\u1ea1ng x\u00e3 h\u1ed9i, tin nh\u1eafn di \u0111\u1ed9ng, t\u1edd r\u01a1i ph\u00e1t mi\u1ec5n ph\u00ed…, ng\u01b0\u1eddi ta d\u1ec5 th\u1ea5y th\u00f4ng tin m\u1eddi g\u1ecdi vay “n\u00f3ng” k\u00e8m s\u1ed1 \u0111i\u1ec7n tho\u1ea1i li\u00ean l\u1ea1c. Do \u0111\u00f3, m\u1ed9t trong nh\u1eefng gi\u1ea3i ph\u00e1p c\u1ee7a ng\u00e0nh NH l\u00e0 ph\u1ee7 s\u00f3ng k\u00eanh cho vay ch\u00ednh th\u1ee9c v\u00e0 tung v\u1ed1n \u0111\u1ec3 “l\u1ea5n \u00e1t” t\u00edn d\u1ee5ng \u0111en.<\/p>\n

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N\u00e2ng m\u1ee9c cho vay l\u00ean t\u1ed1i \u0111a<\/b><\/p>\n

T\u1eeb ng\u00e0y 1-3, NH Ch\u00ednh s\u00e1ch x\u00e3 h\u1ed9i \u0111\u00e3 n\u00e2ng m\u1ee9c cho vay t\u1ed1i \u0111a \u0111\u1ed1i v\u1edbi h\u1ed9 ngh\u00e8o l\u00ean g\u1ea5p \u0111\u00f4i – 100 tri\u1ec7u \u0111\u1ed3ng\/h\u1ed9, kh\u00f4ng ph\u1ea3i b\u1ea3o \u0111\u1ea3m ti\u1ec1n vay; \u0111\u1ed3ng th\u1eddi n\u00e2ng th\u1eddi h\u1ea1n cho vay t\u1ed1i \u0111a l\u00ean 120 th\u00e1ng.<\/p>\n

Trong khi \u0111\u00f3, Agribank cho bi\u1ebft s\u1ebd ti\u1ebfp t\u1ee5c \u01b0u ti\u00ean d\u00e0nh ngu\u1ed3n v\u1ed1n trong c\u01a1 c\u1ea5u t\u00edn d\u1ee5ng \u0111\u1ec3 cho vay, \u0111\u00e1p \u1ee9ng nhanh nh\u1ea5t nhu c\u1ea7u v\u1ed1n \u0111\u1ed9t xu\u1ea5t, vay ti\u00eau d\u00f9ng c\u1ee7a ng\u01b0\u1eddi d\u00e2n t\u1ea1i khu v\u1ef1c n\u00f4ng nghi\u1ec7p, n\u00f4ng th\u00f4n, k\u1ec3 c\u1ea3 v\u00f9ng s\u00e2u, v\u00f9ng xa, khu v\u1ef1c kinh t\u1ebf kh\u00f3 kh\u0103n.<\/p>\n<\/div>\n<\/div>\n

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Ch\u1ec9 ng\u00e0nh ng\u00e2n h\u00e0ng l\u00e0 ch\u01b0a \u0111\u1ee7<\/b><\/p>\n

L\u00e3nh \u0111\u1ea1o NH Nh\u00e0 n\u01b0\u1edbc cho bi\u1ebft th\u1eddi gian t\u1edbi s\u1ebd ti\u1ebfp t\u1ee5c tri\u1ec3n khai \u0111\u1ed3ng b\u1ed9 nhi\u1ec1u gi\u1ea3i ph\u00e1p nh\u1eb1m “tr\u1ecb” t\u00edn d\u1ee5ng \u0111en. Trong \u0111\u00f3, Th\u00f4ng t\u01b0 43\/2016\/TT-NHNN v\u1ec1 cho vay ti\u00eau d\u00f9ng c\u1ee7a c\u00e1c c\u00f4ng ty t\u00e0i ch\u00ednh s\u1ebd \u0111\u01b0\u1ee3c s\u1eeda \u0111\u1ed5i nh\u1eb1m ki\u1ec3m so\u00e1t ch\u1eb7t ch\u1ebd, t\u0103ng c\u01b0\u1eddng qu\u1ea3n l\u00fd nh\u00e0 n\u01b0\u1edbc \u0111\u1ed1i v\u1edbi ho\u1ea1t \u0111\u1ed9ng c\u1ee7a lo\u1ea1i h\u00ecnh n\u00e0y \u0111\u1ec3 ng\u0103n ch\u1eb7n nguy c\u01a1 m\u1ea5t an to\u00e0n, ti\u1ebfp tay cho t\u00edn d\u1ee5ng \u0111en ho\u1ea1t \u0111\u1ed9ng.<\/p>\n

“NH Nh\u00e0 n\u01b0\u1edbc s\u1ebd khuy\u1ebfn kh\u00edch c\u00e1c t\u1ed5 ch\u1ee9c t\u00edn d\u1ee5ng m\u1edf r\u1ed9ng m\u1ea1ng l\u01b0\u1edbi ho\u1ea1t \u0111\u1ed9ng \u1edf nh\u1eefng n\u01a1i ch\u01b0a \u0111\u00e1p \u1ee9ng \u0111\u1ee7 nhu c\u1ea7u ti\u1ebfp c\u1eadn v\u1ed1n t\u00edn d\u1ee5ng NH c\u1ee7a ng\u01b0\u1eddi d\u00e2n; ph\u00e1t tri\u1ec3n s\u1ea3n ph\u1ea9m cho vay t\u00edn d\u1ee5ng ti\u00eau d\u00f9ng l\u00e0nh m\u1ea1nh, nh\u1ea5t l\u00e0 s\u1ea3n ph\u1ea9m t\u00edn d\u1ee5ng trong sinh ho\u1ea1t \u0111\u1ed1i v\u1edbi c\u00e1c v\u00f9ng c\u00f4ng nghi\u1ec7p, khu v\u1ef1c \u0111\u00f4ng d\u00e2n. C\u00e1c quy \u0111\u1ecbnh v\u1ec1 cho vay c\u1ee7a t\u1ed5 ch\u1ee9c t\u00edn d\u1ee5ng trong Th\u00f4ng t\u01b0 39\/2016\/TT-NHNN c\u0169ng \u0111\u01b0\u1ee3c s\u1eeda \u0111\u1ed5i nh\u1eb1m t\u00e1ch b\u1ea1ch ho\u1ea1t \u0111\u1ed9ng cho vay ph\u1ee5c v\u1ee5 \u0111\u1eddi s\u1ed1ng v\u00e0 cho vay ti\u00eau d\u00f9ng c\u00e1 nh\u00e2n c\u1ee7a NH th\u01b0\u01a1ng m\u1ea1i, t\u1ea1o \u0111i\u1ec1u ki\u1ec7n \u0111\u1ec3 NH m\u1edf r\u1ed9ng cho vay ti\u00eau d\u00f9ng c\u00e1 nh\u00e2n; nghi\u00ean c\u1ee9u ho\u00e0n thi\u1ec7n quy \u0111\u1ecbnh v\u1ec1 cho vay c\u1ea7m c\u1ed1 b\u1eb1ng s\u1ed5 ti\u1ebft ki\u1ec7m…” – \u0111\u1ea1i di\u1ec7n NH Nh\u00e0 n\u01b0\u1edbc nh\u1ea5n m\u1ea1nh.<\/p>\n

Theo NH Nh\u00e0 n\u01b0\u1edbc, ng\u00e0nh NH th\u1eddi gian qua \u0111\u00e3 \u0111\u00e1p \u1ee9ng k\u1ecbp th\u1eddi nhu c\u1ea7u v\u1ed1n ph\u1ee5c v\u1ee5 s\u1ea3n xu\u1ea5t – kinh doanh v\u00e0 nhu c\u1ea7u ch\u00ednh \u0111\u00e1ng c\u1ee7a ng\u01b0\u1eddi d\u00e2n. Tuy nhi\u00ean, t\u00edn d\u1ee5ng \u0111en v\u1eabn ho\u1ea1t \u0111\u1ed9ng ph\u1ed5 bi\u1ebfn nhi\u1ec1u n\u01a1i. \u0110\u1ec3 x\u1eed l\u00fd t\u00ecnh tr\u1ea1ng n\u00e0y, n\u1ed7 l\u1ef1c c\u1ee7a ri\u00eang ng\u00e0nh NH l\u00e0 ch\u01b0a \u0111\u1ee7, m\u00e0 c\u1ea7n s\u1ef1 ph\u1ed1i h\u1ee3p c\u1ee7a c\u00e1c b\u1ed9 – ng\u00e0nh li\u00ean quan, c\u00e1c hi\u1ec7p h\u1ed9i, ch\u00ednh quy\u1ec1n \u0111\u1ecba ph\u01b0\u01a1ng v\u00e0 c\u00e1c t\u1ed5 ch\u1ee9c ch\u00ednh tr\u1ecb – x\u00e3 h\u1ed9i. V\u1ec1 ph\u1ea7n m\u00ecnh, c\u00e1c NH s\u1ebd ti\u1ebfp t\u1ee5c xem x\u00e9t gia h\u1ea1n n\u1ee3, \u0111i\u1ec1u ch\u1ec9nh k\u1ef3 h\u1ea1n tr\u1ea3 n\u1ee3 khi ng\u01b0\u1eddi d\u00e2n g\u1eb7p kh\u00f3 kh\u0103n do c\u00e1c nguy\u00ean nh\u00e2n ch\u00ednh \u0111\u00e1ng; gi\u00fap ng\u01b0\u1eddi d\u00e2n t\u0103ng kh\u1ea3 n\u0103ng ti\u1ebfp c\u1eadn ngu\u1ed3n v\u1ed1n t\u00edn d\u1ee5ng, kh\u00f4ng ph\u1ea3i \u0111i vay n\u1eb7ng l\u00e3i t\u1eeb c\u00e1c \u0111\u1ed1i t\u01b0\u1ee3ng t\u00edn d\u1ee5ng \u0111en.<\/p>\n<\/div>\n<\/div>\n<\/div>\n

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[ad_1] T\u1ea1i phi\u00ean th\u1ea3o lu\u1eadn to\u00e0n th\u1ec3 c\u1ee7a Qu\u1ed1c h\u1ed9i v\u1ec1 kinh t\u1ebf – x\u00e3 h\u1ed9i m\u1edbi \u0111\u00e2y, m\u1ed9t s\u1ed1 \u0111\u1ea1i bi\u1ec3u cho bi\u1ebft nhi\u1ec1u c\u1eed tri ng\u00e0y c\u00e0ng lo l\u1eafng v\u1ec1 t\u00ecnh tr\u1ea1ng t\u00edn d\u1ee5ng \u0111en, cho vay n\u1eb7ng l\u00e3i. \u0110\u1ebfn phi\u00ean ch\u1ea5t v\u1ea5n B\u1ed9 tr\u01b0\u1edfng B\u1ed9 C\u00f4ng an T\u00f4 L\u00e2m sau \u0111\u00f3, […]<\/p>\n","protected":false},"author":2,"featured_media":2849,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[1],"tags":[],"class_list":["post-2848","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-ban-tin-tai-chinh"],"yoast_head":"\nNg\u00e2n h\u00e0ng tung v\u1ed1n ch\u1eb7n t\u00edn d\u1ee5ng \u0111en - Super News<\/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:\/\/super-news.info\/vi\/ngan-hang-tung-von-chan-tin-dung-den\/\" \/>\n<meta property=\"og:locale\" content=\"vi_VN\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Ng\u00e2n h\u00e0ng tung v\u1ed1n ch\u1eb7n t\u00edn d\u1ee5ng \u0111en - 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