{"id":3369,"date":"2019-06-18T06:56:43","date_gmt":"2019-06-18T03:56:43","guid":{"rendered":"https:\/\/super-news.info\/vi\/viec-sua-thong-tu-36-can-nhin-nhan-khach-quan-hon\/"},"modified":"2019-06-18T06:56:45","modified_gmt":"2019-06-18T03:56:45","slug":"viec-sua-thong-tu-36-can-nhin-nhan-khach-quan-hon","status":"publish","type":"post","link":"https:\/\/super-news.info\/vi\/viec-sua-thong-tu-36-can-nhin-nhan-khach-quan-hon\/","title":{"rendered":"Vi\u1ec7c s\u1eeda th\u00f4ng t\u01b0 36 c\u1ea7n nh\u00ecn nh\u1eadn kh\u00e1ch quan h\u01a1n"},"content":{"rendered":"

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NHNN \u0111ang l\u1ea5y \u00fd ki\u1ebfn r\u1ed9ng r\u00e3i \u0111\u1ed1i v\u1edbi D\u1ef1 th\u1ea3o Th\u00f4ng t\u01b0 thay th\u1ebf th\u00f4ng t\u01b0 36\/2014\/TT-NHNN quy \u0111\u1ecbnh c\u00e1c gi\u1edbi h\u1ea1n, t\u1ef7 l\u1ec7 b\u1ea3o \u0111\u1ea3m an to\u00e0n trong ho\u1ea1t \u0111\u1ed9ng c\u1ee7a t\u1ed5 ch\u1ee9c t\u00edn d\u1ee5ng, chi nh\u00e1nh ng\u00e2n h\u00e0ng n\u01b0\u1edbc ngo\u00e0i (Th\u00f4ng t\u01b0 36).<\/p>\n

D\u1ef1 th\u1ea3o c\u00f3 t\u1ed5ng c\u1ed9ng 15 \u0111i\u1ec3m s\u1eeda \u0111\u1ed5i, t\u1eadp trung v\u00e0o \u0111i\u1ec1u ch\u1ec9nh ph\u00f9 h\u1ee3p v\u1edbi nh\u1eefng v\u0103n b\u1ea3n m\u1edbi \u0111\u01b0\u1ee3c ban h\u00e0nh (nh\u01b0 Lu\u1eadt kinh doanh b\u1ea5t \u0111\u1ed9ng s\u1ea3n, Th\u00f4ng t\u01b0 41\/2016\/TT-NHNN, c\u00e1c th\u00f4ng l\u1ec7 m\u1edbi\u2026), c\u1ee5 th\u1ec3 h\u00f3a ch\u00ednh s\u00e1ch \u0111\u1ecbnh h\u01b0\u1edbng, c\u0169ng nh\u01b0 ti\u1ebfp t\u1ee5c \u0111i\u1ec1u ti\u1ebft ho\u1ea1t \u0111\u1ed9ng ng\u00e0nh ng\u00e2n h\u00e0ng c\u1ee7a NHNN.\u00a0<\/p>\n

Trong \u0111\u00f3 n\u1ed5i b\u1eadt l\u00e0 2 n\u1ed9i dung s\u1eeda \u0111\u1ed5i li\u00ean quan \u0111\u1ebfn vi\u1ec7c ti\u1ebfp t\u1ee5c gi\u1ea3m ch\u1ec9 ti\u00eau t\u1ef7 l\u1ec7 ngu\u1ed3n v\u1ed1n ng\u1eafn h\u1ea1n cho vay trung d\u00e0i h\u1ea1n v\u1ec1 m\u1ee9c 30% (\u0111\u1ebfn th\u00e1ng 7\/2021 ph\u01b0\u01a1ng \u00e1n 1, \u0111\u1ebfn th\u00e1ng 7\/2022 ph\u01b0\u01a1ng \u00e1n 2) v\u00e0 \u00e1p d\u1ee5ng h\u1ec7 s\u1ed1 r\u1ee7i ro t\u1eeb 50%- 150% \u0111\u1ed1i v\u1edbi c\u00e1c kho\u1ea3n cho vay c\u00e1 nh\u00e2n ph\u1ee5c v\u1ee5 nhu c\u1ea7u \u0111\u1eddi s\u1ed1ng, t\u00f9y thu\u1ed9c v\u00e0o s\u1ed1 ti\u1ec1n vay kh\u00e1c nhau.<\/p>\n

Theo m\u1ed9t b\u00e0i vi\u1ebft \u0111\u0103ng tr\u00ean website c\u1ee7a NHNN ph\u00e2n t\u00edch, vi\u1ec7c h\u1ea1n ch\u1ebf h\u01a1n NHTM cho vay trung d\u00e0i h\u1ea1n c\u1ea7n \u0111\u01b0\u1ee3c nh\u00ecn nh\u1eadn l\u00e0 \u0111\u1ed9ng l\u1ef1c \u0111\u1ec3 Vi\u1ec7t Nam ph\u00e1t tri\u1ec3n m\u1ea1nh m\u1ebd h\u01a1n th\u1ecb tr\u01b0\u1eddng v\u1ed1n, khuy\u1ebfn kh\u00edch c\u00e1c doanh nghi\u1ec7p t\u00ecm ki\u1ebfm ngu\u1ed3n v\u1ed1n tr\u00ean th\u1ecb tr\u01b0\u1eddng ch\u1ee9ng kho\u00e1n, t\u1eeb \u0111\u00f3 kh\u1eafc ph\u1ee5c hi\u1ec7n t\u01b0\u1ee3ng m\u1ea5t c\u00e2n b\u1eb1ng trong h\u1ec7 th\u1ed1ng t\u00e0i ch\u00ednh<\/p>\n

V\u1ec1 c\u01a1 b\u1ea3n, hai\u00a0\u0111i\u1ec1u ch\u1ec9nh n\u00e0y nh\u1eadn \u0111\u01b0\u1ee3c nhi\u1ec1u s\u1ef1 \u0111\u1ed3ng t\u00ecnh, \u1ee7ng h\u1ed9 t\u1eeb nhi\u1ec1u b\u00ean, nh\u01b0ng c\u0169ng c\u00f3 m\u1ed9t s\u1ed1 \u00fd ki\u1ebfn hi\u1ec3u ch\u01b0a \u0111\u00fang, ch\u01b0a \u0111\u1ee7 n\u00ean b\u00e0y t\u1ecf lo l\u1eafng. Lo l\u1eafng th\u1ee9 nh\u1ea5t l\u00e0 ti\u1ebfn \u0111\u1ed9 gi\u1ea3m t\u1ef7 l\u1ec7 ngu\u1ed3n v\u1ed1n ng\u1eafn h\u1ea1n cho vay trung d\u00e0i h\u1ea1n c\u00f3 l\u1ebd \u0111ang qu\u00e1 g\u1ea5p. Khi \u0111\u00f3, d\u00f2ng v\u1ed1n t\u00edn d\u1ee5ng trung d\u00e0i h\u1ea1n b\u1ecb th\u1eaft ch\u1eb7t qu\u00e1 m\u1ea1nh s\u1ebd \u0111\u1ea9y th\u1ecb tr\u01b0\u1eddng b\u1ea5t \u0111\u1ed9ng s\u1ea3n v\u00e0o kh\u00f3 kh\u0103n v\u00e0 t\u1eeb \u0111\u00f3 g\u00e2y \u1ea3nh h\u01b0\u1edfng ti\u00eau c\u1ef1c \u0111\u1ebfn to\u00e0n b\u1ed9 n\u1ec1n kinh t\u1ebf, gi\u1ed1ng nh\u01b0 giai \u0111o\u1ea1n 2009-2012. Lo l\u1eafng th\u1ee9 hai l\u00e0 vi\u1ec7c s\u1eed d\u1ee5ng c\u00e1c m\u1ee9c ng\u01b0\u1ee1ng quy m\u00f4 kho\u1ea3n vay ph\u1ee5c v\u1ee5 nhu c\u1ea7u \u0111\u1eddi s\u1ed1ng \u0111\u1ec3 x\u00e1c \u0111\u1ecbnh h\u1ec7 s\u1ed1 r\u1ee7i ro l\u00e0 ch\u01b0a ch\u00ednh x\u00e1c. S\u1ebd h\u1ee3p l\u00fd h\u01a1n khi c\u00e1ch th\u1ee9c ph\u00e2n nh\u00f3m c\u0103n c\u1ee9 v\u00e0o m\u1ee5c ti\u00eau kho\u1ea3n vay thay cho quy m\u00f4 kho\u1ea3n vay nh\u01b0 trong d\u1ef1 th\u1ea3o.<\/p>\n

Tuy nhi\u00ean, khi nh\u00ecn nh\u1eadn kh\u00e1ch quan v\u00e0 k\u1ef9 l\u01b0\u1ee1ng h\u01a1n, c\u00f3 th\u1ec3 th\u1ea5y nh\u1eefng \u0111i\u1ec1u ch\u1ec9nh v\u00e0 ti\u1ebfn \u0111\u1ed9 tri\u1ec3n khai \u0111i\u1ec1u ch\u1ec9nh trong d\u1ef1 th\u1ea3o l\u00e0 c\u00f3 c\u01a1 s\u1edf.<\/p>\n

Tr\u01b0\u1edbc h\u1ebft \u0111\u1ed1i v\u1edbi m\u1ee5c ti\u00eau ti\u1ebfp t\u1ee5c gi\u1ea3m t\u1ef7 l\u1ec7\u00a0d\u00f9ng v\u1ed1n ng\u1eafn h\u1ea1n cho vay trung d\u00e0i h\u1ea1n v\u1ec1 m\u1ee9c 30% v\u00e0o gi\u1eefa n\u0103m 2021 ho\u1eb7c 2022.\u00a0\u0110\u1ec3 \u0111\u00e1nh gi\u00e1 t\u00ednh h\u1ee3p l\u00fd c\u1ea7n c\u0103n c\u1ee9 v\u00e0o s\u1ed1 li\u1ec7u ng\u00e0nh ng\u00e2n h\u00e0ng th\u1ef1c t\u1ebf hi\u1ec7n nay v\u00e0 m\u1ee9c th\u00f4ng l\u1ec7 tr\u00ean th\u1ebf gi\u1edbi. Theo s\u1ed1 li\u1ec7u m\u1edbi nh\u1ea5t \u0111\u01b0\u1ee3c NHNN c\u00f4ng b\u1ed1, t\u1ef7 l\u1ec7 ngu\u1ed3n v\u1ed1n cho vay trung d\u00e0i h\u1ea1n \u0111\u1ebfn h\u1ebft th\u00e1ng 2\/2019 c\u1ee7a kh\u1ed1i NHTMNN l\u00e0 31,12 v\u00e0 c\u1ee7a kh\u1ed1i NHTMCP l\u00e0\u00a032,4%\u00a0(c\u00f2n kh\u00e1 xa so v\u1edbi m\u1ee9c tr\u1ea7n l\u00e0 40% hi\u1ec7n nay). Nh\u01b0 v\u1eady m\u1ee9c m\u1ee5c ti\u00eau xu\u1ed1ng 30% trong h\u01a1n 2 ho\u1eb7c 3 n\u0103m t\u1edbi kh\u00f4ng ph\u1ea3i l\u00e0 con s\u1ed1 qu\u00e1 xa v\u1eddi. Kh\u00f3 kh\u0103n c\u00f3 th\u1ec3 x\u1ea9y ra \u0111\u1ed1i v\u1edbi m\u1ed9t s\u1ed1 ng\u00e2n h\u00e0ng c\u00f3 ho\u1ea1t \u0111\u1ed9ng cho vay trung d\u00e0i h\u1ea1n l\u1edbn, nh\u01b0ng tr\u00ean t\u1ed5ng th\u1ec3 th\u1ecb tr\u01b0\u1eddng th\u00ec \u0111\u00e2y l\u00e0 m\u1ee5c ti\u00eau kh\u1ea3 thi, v\u00e0 v\u00ec v\u1eady m\u1ee9c t\u00e1c \u0111\u1ed9ng \u0111\u01b0\u1ee3c d\u1ef1 b\u00e1o trong t\u1ea7m ki\u1ec3m so\u00e1t.<\/p>\n

Kh\u00f4ng nh\u1eefng v\u1eady, d\u1ef1 th\u1ea3o c\u0169ng \u0111\u01b0a ra 2 ph\u01b0\u01a1ng \u00e1n\u00a0\u0111i\u1ec1u ch\u1ec9nh v\u1edbi c\u00e1c l\u1ed9 tr\u00ecnh kh\u00e1c nhau. Ph\u01b0\u01a1ng \u00e1n 1 gi\u1ea3m theo chu k\u1ef3 m\u1ed7i n\u0103m gi\u1ea3m\u00a05%. C\u1ee5 th\u1ec3 \u0111\u1ebfn h\u1ebft ng\u00e0y 30\/6\/2020 v\u1eabn gi\u1eef m\u1ee9c t\u1ed1i \u0111a 40%, \u0111\u1ebfn h\u1ebft ng\u00e0y 30\/6\/2021 t\u1ed1i \u0111a 35% v\u00e0 t\u1eeb 01\/7\/2021 t\u1ed1i \u0111a 30%. Ph\u01b0\u01a1ng \u00e1n 2 gi\u1ea3m theo chu k\u1ef3 m\u1ed7i n\u0103m gi\u1ea3m\u00a03%. C\u1ee5 th\u1ec3 \u0111\u1ebfn h\u1ebft ng\u00e0y 30\/6\/2020 v\u1eabn gi\u1eef m\u1ee9c t\u1ed1i \u0111a 40%, \u0111\u1ebfn h\u1ebft ng\u00e0y 30\/6\/2021 t\u1ed1i \u0111a 37%, \u0111\u1ebfn h\u1ebft ng\u00e0y 30\/6\/2022 t\u1ed1i \u0111a 34%; v\u00e0 t\u1eeb 01\/7\/2022 t\u1ed1i \u0111a 30%. Theo \u0111\u00f3, vi\u1ec7c \u0111i\u1ec1u ch\u1ec9nh gi\u1ea3m \u0111\u01b0\u1ee3c th\u1ef1c hi\u1ec7n theo l\u1ed9 tr\u00ecnh v\u00e0 m\u1ee9c gi\u1ea3m 3%\/n\u0103m c\u00f3 l\u1ebd kh\u00f4ng ph\u1ea3i m\u1ee9c v\u00f4 l\u00fd.<\/p>\n

Tr\u00ean gi\u00e1c \u0111\u1ed9 th\u00f4ng l\u1ec7 qu\u1ed1c t\u1ebf,\u00a0qui \u0111\u1ecbnh qu\u1ea3n l\u00fd r\u1ee7i ro thanh kho\u1ea3n (trong \u0111\u00f3 c\u00f3 r\u1ee7i ro v\u1ec1 \u0111\u1ed9 l\u1ec7ch k\u1ef3 h\u1ea1n do d\u00f9ng v\u1ed1n ng\u1eafn h\u1ea1n \u0111\u1ec3 cho vay trung d\u00e0i h\u1ea1n) \u0111\u01b0\u1ee3c ch\u00fa tr\u1ecdng, nh\u1ea5t l\u00e0 sau kh\u1ee7ng ho\u1ea3ng kinh t\u1ebf – t\u00e0i ch\u00ednh n\u0103m 2007-2009, th\u1ec3 hi\u1ec7n qua m\u1ed9t s\u1ed1 ch\u1ec9 ti\u00eau v\u1ec1 ngu\u1ed3n v\u1ed1n \u1ed5n \u0111\u1ecbnh, v\u1ec1 kh\u1ea3 n\u0103ng thanh kho\u1ea3n c\u1ee7a c\u00e1c ng\u00e2n h\u00e0ng th\u01b0\u01a1ng m\u1ea1i (NHTM) \u0111\u01b0\u1ee3c qui \u0111\u1ecbnh ch\u1eb7t ch\u1ebd trong Hi\u1ec7p \u01b0\u1edbc an to\u00e0n v\u1ed1n (Basel III, hi\u1ec7u l\u1ef1c c\u00f3 l\u1ed9 tr\u00ecnh t\u1eeb n\u0103m 2013-2019). Theo \u0111\u00f3, c\u00e1c NHTM h\u1ea7u nh\u01b0 s\u1ebd kh\u00f4ng \u0111\u01b0\u1ee3c s\u1eed d\u1ee5ng ngu\u1ed3n v\u1ed1n c\u00f3 t\u00ednh ch\u1ea5t ng\u1eafn h\u1ea1n \u0111\u1ec3 ph\u1ee5c v\u1ee5 cho vay ho\u1eb7c \u0111\u1ea7u t\u01b0 trung d\u00e0i h\u1ea1n. Nh\u01b0 v\u1eady, so v\u1edbi th\u00f4ng l\u1ec7 qu\u1ed1c t\u1ebf, m\u1ee9c m\u1ee5c ti\u00eau 30% \u0111\u1ebfn gi\u1eefa n\u0103m 2021 (ph\u01b0\u01a1ng \u00e1n 1) ho\u1eb7c gi\u1eefa n\u0103m 2022 (ph\u01b0\u01a1ng \u00e1n 2) v\u1eabn l\u00e0 con s\u1ed1 khi\u00eam t\u1ed1n, c\u00f3 t\u00ednh \u0111\u1ebfn y\u1ebfu t\u1ed1 th\u1ecb tr\u01b0\u1eddng v\u1ed1n (th\u1ecb tr\u01b0\u1eddng c\u1ed5 phi\u1ebfu v\u00e0 tr\u00e1i phi\u1ebfu) Vi\u1ec7t Nam ch\u01b0a ph\u00e1t tri\u1ec3n.<\/p>\n

Th\u1ee9 hai, vi\u1ec7c h\u1ea1n ch\u1ebf h\u01a1n NHTM cho vay trung d\u00e0i h\u1ea1n c\u1ea7n \u0111\u01b0\u1ee3c nh\u00ecn nh\u1eadn l\u00e0 \u0111\u1ed9ng l\u1ef1c \u0111\u1ec3 Vi\u1ec7t Nam ph\u00e1t tri\u1ec3n m\u1ea1nh m\u1ebd h\u01a1n th\u1ecb tr\u01b0\u1eddng v\u1ed1n, khuy\u1ebfn kh\u00edch c\u00e1c doanh nghi\u1ec7p t\u00ecm ki\u1ebfm ngu\u1ed3n v\u1ed1n tr\u00ean th\u1ecb tr\u01b0\u1eddng ch\u1ee9ng kho\u00e1n, t\u1eeb \u0111\u00f3 kh\u1eafc ph\u1ee5c hi\u1ec7n t\u01b0\u1ee3ng m\u1ea5t c\u00e2n b\u1eb1ng trong h\u1ec7 th\u1ed1ng t\u00e0i ch\u00ednh.\u00a0Hi\u1ec7n nay, h\u1ec7 th\u1ed1ng ng\u00e2n h\u00e0ng chi\u1ebfm \u0111\u1ebfn 68% t\u1ed5ng t\u00e0i s\u1ea3n to\u00e0n h\u1ec7 th\u1ed1ng t\u00e0i ch\u00ednh v\u00e0 \u0111ang \u0111\u1ea3m nh\u1eadn nhi\u1ec7m v\u1ee5 ch\u00ednh trong cung \u1ee9ng v\u1ed1n trung d\u00e0i h\u1ea1n cho n\u1ec1n kinh t\u1ebf (ch\u1ee9c n\u0103ng l\u1ebd ra thu\u1ed9c v\u1ec1 th\u1ecb tr\u01b0\u1eddng v\u1ed1n), khi m\u00e0 t\u1ef7 tr\u1ecdng t\u00edn d\u1ee5ng trung d\u00e0i h\u1ea1n c\u1ee7a h\u1ec7 th\u1ed1ng c\u00e1c TCTD v\u1eabn \u1edf m\u1ee9c 50,6% (cu\u1ed1i n\u0103m 2018). Trong khi \u0111\u00f3, khu v\u1ef1c tr\u00e1i phi\u1ebfu doanh nghi\u1ec7p Vi\u1ec7t Nam \u0111ang c\u00f2n nh\u1ecf b\u00e9 v\u1edbi gi\u00e1 tr\u1ecb v\u1ed1n h\u00f3a \u0111\u1ebfn cu\u1ed1i n\u0103m 2018 ch\u1ec9 \u0111\u1ea1t 8,57% GDP th\u1ea5p h\u01a1n nhi\u1ec1u so v\u1edbi Th\u00e1i Lan l\u00e0 21,33% GDP, Malaysia 46,3% GDP.\u00a0<\/p>\n

T\u00ecnh tr\u1ea1ng m\u1ea5t c\u00e2n \u0111\u1ed1i n\u00e0y khi\u1ebfn h\u1ec7 th\u1ed1ng t\u00e0i ch\u00ednh Vi\u1ec7t Nam lu\u00f4n b\u1ecb c\u00e1c \u0111\u1ecbnh ch\u1ebf qu\u1ed1c t\u1ebf nh\u01b0 IMF, WB \u0111\u00e1nh gi\u00e1 k\u00e9m v\u1ec1 t\u00ednh l\u00e0nh m\u1ea1nh v\u00e0 ti\u1ec1m \u1ea9n r\u1ee7i ro li\u00ean quan \u0111\u1ebfn thanh kho\u1ea3n h\u1ec7 th\u1ed1ng ng\u00e2n h\u00e0ng. V\u1ea5n \u0111\u1ec1 n\u00e0y c\u00e0ng \u0111\u00e1ng lo l\u1eafng h\u01a1n khi t\u1eeb n\u0103m 2016 gi\u00e1 nh\u00e0 \u0111\u1ea5t li\u00ean t\u1ee5c t\u0103ng cao v\u00e0 s\u1ed1t \u0111\u1ea5t di\u1ec5n ra t\u1ea1i m\u1ed9t s\u1ed1 khu v\u1ef1c. C\u1ea7n n\u00f3i th\u00eam r\u1eb1ng t\u00ecnh tr\u1ea1ng kh\u1ee7ng ho\u1ea3ng th\u1ecb tr\u01b0\u1eddng B\u0110S Vi\u1ec7t Nam k\u00e9o theo b\u1ea5t \u1ed5n trong khu v\u1ef1c ng\u00e2n h\u00e0ng v\u00e0 c\u1ea3 n\u1ec1n kinh t\u1ebf giai \u0111o\u1ea1n 2009-2012 c\u00f3 nguy\u00ean nh\u00e2n l\u1edbn l\u00e0 do bong b\u00f3ng B\u0110S \u0111\u00e3 kh\u00f4ng \u0111\u01b0\u1ee3c ng\u0103n ch\u1eb7n k\u1ecbp th\u1eddi ngay t\u1eeb \u0111\u1ea7u.<\/p>\n

Khi ngu\u1ed3n v\u1ed1n t\u00edn d\u1ee5ng ng\u00e2n h\u00e0ng b\u1ecb h\u1ea1n ch\u1ebf h\u01a1n s\u1ebd\u00a0l\u00e0 \u0111\u1ed9ng l\u1ef1c th\u00fac \u0111\u1ea9y c\u00e1c doanh nghi\u1ec7p t\u00ecm \u0111\u1ebfn ngu\u1ed3n v\u1ed1n tr\u00ean th\u1ecb tr\u01b0\u1eddng ch\u1ee9ng kho\u00e1n, t\u1eeb khu v\u1ef1c t\u01b0 nh\u00e2n. \u0110i\u1ec1u n\u00e0y m\u1ed9t m\u1eb7t s\u1ebd khuy\u1ebfn kh\u00edch th\u1ecb tr\u01b0\u1eddng ch\u1ee9ng kho\u00e1n ph\u00e1t tri\u1ec3n, m\u1eb7t kh\u00e1c gi\u1ea3m r\u1ee7i ro cho khu v\u1ef1c ng\u00e2n h\u00e0ng. \u0110\u1eb7c bi\u1ec7t, nhi\u1ec1u nghi\u00ean c\u1ee9u c\u00e1c n\u01b0\u1edbc t\u01b0\u01a1ng \u0111\u1ed3ng v\u1edbi Vi\u1ec7t Nam cho th\u1ea5y m\u1ee9c \u0111\u1ed9 gi\u00e1m s\u00e1t v\u00e0 \u00e1p l\u1ef1c minh b\u1ea1ch h\u00f3a ho\u1ea1t \u0111\u1ed9ng, tu\u00e2n th\u1ee7 quy \u0111\u1ecbnh tr\u00ean th\u1ecb tr\u01b0\u1eddng ch\u1ee9ng kho\u00e1n \u0111\u1ed1i v\u1edbi doanh nghi\u1ec7p vay v\u1ed1n l\u00e0 t\u1ed1t h\u01a1n so v\u1edbi \u00e1p l\u1ef1c t\u1eeb vi\u1ec7c vay v\u1ed1n ng\u00e2n h\u00e0ng.<\/p>\n

Tr\u00ean th\u1ef1c t\u1ebf\u00a0th\u1ecb tr\u01b0\u1eddng tr\u00e1i phi\u1ebfu doanh nghi\u1ec7p (TPDN) Vi\u1ec7t Nam m\u1eb7c d\u00f9 c\u00f2n nh\u1eefng h\u1ea1n ch\u1ebf nh\u1ea5t \u0111\u1ecbnh nh\u01b0ng \u0111\u00e3 t\u0103ng tr\u01b0\u1edfng m\u1ea1nh m\u1ebd trong nh\u1eefng n\u0103m g\u1ea7n \u0111\u00e2y. C\u1ee5 th\u1ec3 n\u0103m 2018 ch\u1ee9ng ki\u1ebfn th\u1ecb tr\u01b0\u1eddng TPDN b\u00f9ng n\u1ed5 v\u1edbi 107 th\u01b0\u01a1ng v\u1ee5 ph\u00e1t h\u00e0nh TPDN c\u1ee7a c\u00e1c c\u00f4ng ty ni\u00eam y\u1ebft tr\u00ean s\u1edf giao d\u1ecbch ch\u1ee9ng kho\u00e1n, kh\u1ed1i l\u01b0\u1ee3ng ph\u00e1t h\u00e0nh th\u00e0nh c\u00f4ng l\u00e0 224.000 t\u1ef7 \u0111\u1ed3ng, t\u0103ng 94,5% so v\u1edbi n\u0103m 2017. \u0110\u1ebfn cu\u1ed1i n\u0103m 2018, d\u01b0 n\u1ee3 th\u1ecb tr\u01b0\u1eddng TPDN \u0111\u00e3 \u0111\u1ea1t m\u1ee9c 474.500 t\u1ef7 \u0111\u1ed3ng, b\u1eb1ng 8,57% GDP n\u0103m 2018 v\u00e0 t\u0103ng 53% so v\u1edbi cu\u1ed1i n\u0103m 2017. Trong \u0111\u00f3 \u0111\u00e3 c\u00f3 kh\u00e1 nhi\u1ec1u doanh nghi\u1ec7p B\u0110S ph\u00e1t h\u00e0nh tr\u00e1i phi\u1ebfu th\u00e0nh c\u00f4ng m\u00e0 ti\u00eau bi\u1ec3u l\u00e0 Vingroup. V\u1ec1 ph\u00eda c\u01a1 quan qu\u1ea3n l\u00fd, Ch\u00ednh ph\u1ee7 \u0111\u00e3 ch\u1ec9 \u0111\u1ea1o NHNN, B\u1ed9 T\u00e0i ch\u00ednh, \u1ee6y ban Ch\u1ee9ng kho\u00e1n nh\u00e0 n\u01b0\u1edbc\u2026 \u0111ang n\u1ed7 l\u1ef1c tri\u1ec3n khai nhi\u1ec1u gi\u1ea3i ph\u00e1p th\u00fac \u0111\u1ea9y th\u1ecb tr\u01b0\u1eddng TPDN ph\u00e1t tri\u1ec3n, trong \u0111\u00f3 c\u00f3 Ngh\u1ecb \u0111\u1ecbnh 163 (2018) v\u1ec1 ph\u00e1t h\u00e0nh tr\u00e1i phi\u1ebfu doanh nghi\u1ec7p v\u00e0 s\u1eeda \u0111\u1ed5i Lu\u1eadt Ch\u1ee9ng kho\u00e1n trong n\u0103m nay \u0111\u1ec3 t\u1ea1o \u0111i\u1ec1u ki\u1ec7n nhi\u1ec1u h\u01a1n cho TPDN ph\u00e1t tri\u1ec3n…<\/p>\n

V\u1edbi nh\u1eefng \u0111\u1ed9ng l\u1ef1c t\u1eeb c\u1ea3 ph\u00eda\u00a0c\u1ea7u \u0111\u1ea9y (ngu\u1ed3n v\u1ed1n trung-d\u00e0i h\u1ea1n c\u1ee7a h\u1ec7 th\u1ed1ng ng\u00e2n h\u00e0ng h\u1ea1n ch\u1ebf h\u01a1n) v\u00e0 ph\u00eda cung k\u00e9o (th\u1ecb tr\u01b0\u1eddng TPDN thu\u1eadn l\u1ee3i h\u01a1n), t\u00ecnh tr\u1ea1ng m\u1ea5t c\u00e2n \u0111\u1ed1i trong h\u1ec7 th\u1ed1ng t\u00e0i ch\u00ednh Vi\u1ec7t Nam l\u00e2u nay k\u1ef3 v\u1ecdng s\u1ebd \u0111\u01b0\u1ee3c kh\u1eafc ph\u1ee5c. \u0110i\u1ec1u n\u00e0y kh\u00f4ng nh\u1eefng mang l\u1ea1i l\u1ee3i \u00edch cho t\u1ed5ng th\u1ec3 h\u1ec7 th\u1ed1ng t\u00e0i ch\u00ednh, c\u1ea3 c\u00e1c ng\u00e2n h\u00e0ng, th\u1ecb tr\u01b0\u1eddng ch\u1ee9ng kho\u00e1n v\u00e0 b\u1ea3n th\u00e2n c\u00e1c doanh nghi\u1ec7p c\u0169ng s\u1ebd c\u00f3 m\u00f4i tr\u01b0\u1eddng ho\u1ea1t \u0111\u1ed9ng minh b\u1ea1ch, \u1ed5n \u0111\u1ecbnh v\u00e0 l\u00e0nh m\u1ea1nh h\u01a1n.<\/p>\n

Th\u1ee9 ba\u00a0vi\u1ec7c \u0111\u01b0a quy \u0111\u1ecbnh v\u1ec1 \u00e1p m\u1ee9c r\u1ee7i ro 150% \u0111\u1ed1i v\u1edbi kho\u1ea3n vay c\u00e1 nh\u00e2n ph\u1ee5c v\u1ee5 nhu c\u1ea7u \u0111\u1eddi s\u1ed1ng c\u00f3 d\u01b0 n\u1ee3 tr\u00ean 3 t\u1ef7 \u0111\u1ed3ng c\u00f3 th\u1ec3 ch\u01b0a th\u1ef1c s\u1ef1 h\u1ee3p l\u00fd v\u1edbi t\u1ea5t c\u1ea3 kho\u1ea3n vay li\u00ean quan \u0111\u1ebfn B\u0110S nh\u01b0ng l\u00e0 b\u01b0\u1edbc ti\u1ebfn so v\u1edbi quy \u0111\u1ecbnh tr\u01b0\u1edbc \u0111\u00e2y.<\/p>\n

Th\u00f4ng t\u01b0 36 tr\u01b0\u1edbc \u0111\u00e2y c\u00f3 quy \u0111\u1ecbnh to\u00e0n b\u1ed9 c\u00e1c kho\u1ea3n vay kinh doanh B\u0110S (g\u1ed3m c\u1ea3 cho vay mua nh\u00e0 \u1edf) \u0111\u1ec1u \u00e1p d\u1ee5ng h\u1ec7 s\u1ed1 r\u1ee7i ro 200%, tr\u1eeb khi \u0111\u00f3 l\u00e0 cho vay ti\u00eau d\u00f9ng; d\u1eabn \u0111\u1ebfn hi\u1ec7n t\u01b0\u1ee3ng c\u00e1c kho\u1ea3n cho vay mua nh\u00e0, s\u1eeda v\u00e0 ch\u1eefa nh\u00e0 \u0111\u1ec3 b\u00e1n, cho thu\u00ea \u2026 v\u1edbi m\u1ee5c \u0111\u00edch sinh l\u1eddi \u0111\u1ec1u \u0111\u01b0\u1ee3c c\u00e1c NHTM \u0111\u01b0a v\u00e0o cho vay ti\u00eau d\u00f9ng, ph\u1ea3n \u1ea3nh kh\u00f4ng \u0111\u00fang b\u1ea3n ch\u1ea5t r\u1ee7i ro c\u1ee7a n\u00f3, v\u00e0 khi\u1ebfn ch\u00ednh s\u00e1ch \u0111i\u1ec1u ti\u1ebft t\u00edn d\u1ee5ng ti\u00eau d\u00f9ng b\u1ecb m\u00e9o m\u00f3.<\/p>\n

Ng\u01b0\u1ee3c l\u1ea1i, d\u1ef1 th\u1ea3o s\u1eeda Th\u00f4ng t\u01b0 36 quy \u0111\u1ecbnh gi\u1edbi h\u1ea1n kho\u1ea3n cho vay c\u00e1 nh\u00e2n \u0111\u1ec3 kh\u00e1ch h\u00e0ng mua nh\u00e0\u00a0m\u00e0 t\u1ed5ng d\u01b0 n\u1ee3 g\u1ed1c d\u01b0\u1edbi 1,5 t\u1ef7 \u0111\u1ed3ng, mua nh\u00e0 \u1edf x\u00e3 h\u1ed9i, mua nh\u00e0 \u1edf theo c\u00e1c ch\u01b0\u01a1ng tr\u00ecnh, d\u1ef1 \u00e1n h\u1ed7 tr\u1ee3 c\u1ee7a Ch\u00ednh ph\u1ee7 ho\u1eb7c kho\u1ea3n vay \u0111\u1ec3 ph\u1ee5c v\u1ee5 ho\u1ea1t \u0111\u1ed9ng kinh doanh \u0111\u01b0\u1ee3c b\u1ea3o \u0111\u1ea3m b\u1eb1ng nh\u00e0 \u1edf, quy\u1ec1n s\u1eed d\u1ee5ng \u0111\u1ea5t, c\u00f4ng tr\u00ecnh x\u00e2y d\u1ef1ng g\u1eafn v\u1edbi quy\u1ec1n s\u1eed d\u1ee5ng \u0111\u1ea5t c\u1ee7a b\u00ean vay \u0111\u01b0\u1ee3c \u00e1p d\u1ee5ng h\u1ec7 s\u1ed1 r\u1ee7i ro 50%, m\u1ee9c h\u1ec7 s\u1ed1 r\u1ee7i ro 100% \u0111\u1ed1i v\u1edbi c\u00e1c kho\u1ea3n vay c\u00f3 n\u1ee3 g\u1ed1c t\u1eeb 1,5 t\u1ef7 \u0111\u1ed3ng \u0111\u1ebfn 3 t\u1ef7 \u0111\u1ed3ng; c\u0169ng gi\u00fap ph\u1ea3n \u00e1nh \u0111\u00fang h\u01a1n ch\u1ee7 tr\u01b0\u01a1ng ch\u00ednh s\u00e1ch c\u1ee7a Ch\u00ednh ph\u1ee7, NHNN nh\u1eb1m khuy\u1ebfn kh\u00edch, h\u1ed7 tr\u1ee3 ng\u01b0\u1eddi d\u00e2n mua nh\u00e0 \u1edf, nh\u00e0 x\u00e3 h\u1ed9i (\u0111\u1ed1i t\u01b0\u1ee3ng c\u00f3 nhu c\u1ea7u th\u1ef1c, nhu c\u1ea7u thi\u1ebft y\u1ebfu v\u00e0 \u0111ang l\u00e0 ph\u00e2n kh\u00fac thi\u1ebfu ngu\u1ed3n cung). Theo \u0111\u00f3, c\u00f3 th\u1ec3 th\u1ea5y c\u00e1c m\u1ee9c ng\u01b0\u1ee1ng \u00e1p d\u1ee5ng r\u1ee7i ro \u0111\u00e3 \u0111\u01b0\u1ee3c ph\u00e2n t\u1ea7ng nh\u1eb1m t\u00e1c \u0111\u1ed9ng t\u1ed1t h\u01a1n, \u0111i\u1ec1u ch\u1ec9nh t\u1ed1t h\u01a1n \u0111\u1ebfn th\u1ecb tr\u01b0\u1eddng, gi\u00fap \u0111\u1ed1i t\u01b0\u1ee3ng th\u1ee5 h\u01b0\u1edfng ch\u00ednh s\u00e1ch \u0111\u01b0\u1ee3c h\u01b0\u1edfng l\u1ee3i nhi\u1ec1u h\u01a1n. \u0110\u00e2y l\u00e0 \u0111i\u1ec3m t\u00edch c\u1ef1c c\u1ee7a quy \u0111\u1ecbnh s\u1eeda \u0111\u1ed5i so v\u1edbi tr\u01b0\u1edbc \u0111\u00e2y.<\/p>\n

B\u00ean c\u1ea1nh \u0111\u00f3, c\u1ea7n \u0111\u00e1nh gi\u00e1 ch\u00ednh x\u00e1c h\u01a1n v\u1ec1 m\u1ee9c ng\u01b0\u1ee1ng 3 t\u1ef7\u00a0\u0111\u1ed3ng. Theo nguy\u00ean t\u1eafc c\u00e1c ng\u00e2n h\u00e0ng ch\u1ec9 cho vay mua nh\u00e0 v\u1edbi t\u1ef7 l\u1ec7 cho vay t\u1ed1i \u0111a l\u00e0 70% gi\u00e1 tr\u1ecb h\u1ee3p \u0111\u1ed3ng mua B\u0110S. Theo \u0111\u00f3 v\u1edbi m\u1ee9c ng\u01b0\u1ee1ng 3 t\u1ef7 \u0111\u1ed3ng gi\u00e1 tr\u1ecb g\u1ed1c c\u1ee7a kho\u1ea3n vay th\u00ec t\u01b0\u01a1ng \u1ee9ng gi\u00e1 tr\u1ecb nh\u00e0 s\u1ebd \u1edf m\u1ee9c 4,2-4,5 t\u1ef7 \u0111\u1ed3ng. \u0110\u00e2y c\u00f3 l\u1ebd l\u00e0 con s\u1ed1 kh\u00e1 h\u1ee3p l\u00fd so v\u1edbi gi\u00e1 nh\u00e0 trung b\u00ecnh hi\u1ec7n nay t\u1ea1i Vi\u1ec7t Nam, c\u0169ng nh\u01b0 m\u1ee9c thu nh\u1eadp c\u1ee7a ng\u01b0\u1eddi d\u00e2n Vi\u1ec7t Nam v\u00e0 \u0111\u1ed1i t\u01b0\u1ee3ng mua B\u0110S n\u00e0y. Cu\u1ed1i c\u00f9ng, ph\u1ea1m vi c\u1ee7a Th\u00f4ng t\u01b0 n\u00e0y c\u00f3 ph\u1ea1m vi t\u00e1c \u0111\u1ed9ng kh\u00f4ng l\u1edbn \u0111\u1ebfn th\u1ecb tr\u01b0\u1eddng b\u1ea5t \u0111\u1ed9ng s\u1ea3n, v\u00ec ch\u1ec9 \u00e1p d\u1ee5ng \u0111\u1ed1i v\u1edbi NHTM g\u1eb7p kh\u00f3 kh\u0103n v\u1ec1 t\u00e0i ch\u00ednh trong giai \u0111o\u1ea1n s\u00e1p nh\u1eadp, h\u1ee3p nh\u1ea5t ch\u01b0a \u0111\u00e1p \u1ee9ng chu\u1ea9n Basel II (trong khi nh\u1eefng NHTM \u0111\u00e3 \u0111\u00e1p \u1ee9ng Basel II s\u1ebd th\u1ef1c hi\u1ec7n theo Th\u00f4ng t\u01b0 41).<\/p>\n

K\u1ec3 t\u1eeb n\u0103m 2020, c\u00e1c t\u1ed5 ch\u1ee9c t\u00edn d\u1ee5ng, chi nh\u00e1nh ng\u00e2n h\u00e0ng n\u01b0\u1edbc ngo\u00e0i s\u1ebd \u00e1p d\u1ee5ng quy \u0111\u1ecbnh t\u1ef7 l\u1ec7 an to\u00e0n v\u1ed1n theo quy \u0111\u1ecbnh t\u1ea1i Th\u00f4ng t\u01b0 s\u1ed1 41; theo \u0111\u00f3, h\u1ec7 s\u1ed1 r\u1ee7i ro c\u1ee7a kho\u1ea3n cho vay b\u1ea3o \u0111\u1ea3m b\u1eb1ng b\u1ea5t \u0111\u1ed9ng s\u1ea3n, kho\u1ea3n cho vay th\u1ebf ch\u1ea5p nh\u00e0 s\u1ebd ph\u1ea3n \u00e1nh ch\u00ednh x\u00e1c m\u1ee9c \u0111\u1ed9 r\u1ee7i ro c\u1ee7a kho\u1ea3n vay (30%, 40%, 50%; 60%; 70%; 80%; 100%; 160%; 200%) ph\u1ee5 thu\u1ed9c v\u00e0o \u0111\u1eb7c \u0111i\u1ec3m, c\u1ea5u tr\u00fac c\u1ee7a kho\u1ea3n vay nh\u01b0: T\u1ef7 l\u1ec7 b\u1ea3o \u0111\u1ea3m c\u1ee7a kho\u1ea3n vay (LTV), t\u1ef7 l\u1ec7 thu nh\u1eadp c\u1ee7a kh\u00e1ch h\u00e0ng (DSC), m\u1ee5c \u0111\u00edch s\u1eed d\u1ee5ng v\u1ed1n vay. Theo \u0111\u00f3, s\u1ebd ph\u1ea3n \u00e1nh ch\u00ednh x\u00e1c h\u01a1n m\u1ee9c \u0111\u1ed9 r\u1ee7i ro c\u1ee7a kho\u1ea3n vay l\u0129nh v\u1ef1c b\u1ea5t \u0111\u1ed9ng s\u1ea3n v\u00e0 gi\u00fap NHNN ki\u1ec3m so\u00e1t t\u1ed1t h\u01a1n thanh kho\u1ea3n, m\u1ee9c \u0111\u1ed9 r\u1ee7i ro c\u1ee7a h\u1ec7 th\u1ed1ng ng\u00e2n h\u00e0ng.<\/p>\n

Nh\u01b0 v\u1eady n\u1ebfu nh\u00ecn nh\u1eadn kh\u00e1ch quan, c\u00f3 th\u1ec3 th\u1ea5y nh\u1eefng \u0111i\u1ec3m b\u1ed5 sung ch\u1ec9nh s\u1eeda trong d\u1ef1 th\u1ea3o Th\u00f4ng t\u01b0 36 v\u1ec1 c\u01a1 b\u1ea3n l\u00e0 t\u00edch c\u1ef1c h\u01a1n, ph\u00f9 h\u1ee3p v\u1edbi xu h\u01b0\u1edbng th\u1ecb tr\u01b0\u1eddng v\u00e0 l\u00e0 h\u00e0nh \u0111\u1ed9ng c\u1ea7n thi\u1ebft \u0111\u1ec3 \u0111\u1ea3m b\u1ea3o th\u1ecb tr\u01b0\u1eddng B\u0110S, ng\u00e0nh ng\u00e2n h\u00e0ng v\u00e0 r\u1ed9ng h\u01a1n l\u00e0 c\u1ea3 n\u1ec1n kinh t\u1ebf v\u1eadn h\u00e0nh l\u00e0nh m\u1ea1nh, ph\u00f2ng ng\u1eeba r\u1ee7i ro.<\/p>\n<\/div>\n

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[ad_1] NHNN \u0111ang l\u1ea5y \u00fd ki\u1ebfn r\u1ed9ng r\u00e3i \u0111\u1ed1i v\u1edbi D\u1ef1 th\u1ea3o Th\u00f4ng t\u01b0 thay th\u1ebf th\u00f4ng t\u01b0 36\/2014\/TT-NHNN quy \u0111\u1ecbnh c\u00e1c gi\u1edbi h\u1ea1n, t\u1ef7 l\u1ec7 b\u1ea3o \u0111\u1ea3m an to\u00e0n trong ho\u1ea1t \u0111\u1ed9ng c\u1ee7a t\u1ed5 ch\u1ee9c t\u00edn d\u1ee5ng, chi nh\u00e1nh ng\u00e2n h\u00e0ng n\u01b0\u1edbc ngo\u00e0i (Th\u00f4ng t\u01b0 36). D\u1ef1 th\u1ea3o c\u00f3 t\u1ed5ng c\u1ed9ng 15 \u0111i\u1ec3m […]<\/p>\n","protected":false},"author":2,"featured_media":3370,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[1],"tags":[],"class_list":["post-3369","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-ban-tin-tai-chinh"],"yoast_head":"\nVi\u1ec7c s\u1eeda th\u00f4ng t\u01b0 36 c\u1ea7n nh\u00ecn nh\u1eadn kh\u00e1ch quan h\u01a1n - 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\/viec-sua-thong-tu-36-can-nhin-nhan-khach-quan-hon\/\" \/>\n<meta property=\"og:locale\" content=\"vi_VN\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Vi\u1ec7c s\u1eeda th\u00f4ng t\u01b0 36 c\u1ea7n nh\u00ecn nh\u1eadn kh\u00e1ch quan h\u01a1n - Super News\" \/>\n<meta property=\"og:description\" content=\"[ad_1] NHNN \u0111ang l\u1ea5y \u00fd ki\u1ebfn r\u1ed9ng r\u00e3i \u0111\u1ed1i v\u1edbi D\u1ef1 th\u1ea3o Th\u00f4ng t\u01b0 thay th\u1ebf th\u00f4ng t\u01b0 36\/2014\/TT-NHNN quy \u0111\u1ecbnh c\u00e1c gi\u1edbi h\u1ea1n, t\u1ef7 l\u1ec7 b\u1ea3o \u0111\u1ea3m an to\u00e0n trong ho\u1ea1t \u0111\u1ed9ng c\u1ee7a t\u1ed5 ch\u1ee9c t\u00edn d\u1ee5ng, chi nh\u00e1nh ng\u00e2n h\u00e0ng n\u01b0\u1edbc ngo\u00e0i (Th\u00f4ng t\u01b0 36). 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