{"id":7645,"date":"2019-08-28T18:25:27","date_gmt":"2019-08-28T15:25:27","guid":{"rendered":"https:\/\/super-news.info\/vi\/de-xuat-moi-ve-xu-ly-no-bi-rui-ro-tai-ngan-hang-chinh-sach-xa-hoi\/"},"modified":"2019-08-28T18:25:29","modified_gmt":"2019-08-28T15:25:29","slug":"de-xuat-moi-ve-xu-ly-no-bi-rui-ro-tai-ngan-hang-chinh-sach-xa-hoi","status":"publish","type":"post","link":"https:\/\/super-news.info\/vi\/de-xuat-moi-ve-xu-ly-no-bi-rui-ro-tai-ngan-hang-chinh-sach-xa-hoi\/","title":{"rendered":"\u0110\u1ec1 xu\u1ea5t m\u1edbi v\u1ec1 x\u1eed l\u00fd n\u1ee3 b\u1ecb r\u1ee7i ro t\u1ea1i Ng\u00e2n h\u00e0ng Ch\u00ednh s\u00e1ch x\u00e3 h\u1ed9i"},"content":{"rendered":"

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B\u1ed9 T\u00e0i ch\u00ednh cho bi\u1ebft, Quy\u1ebft \u0111\u1ecbnh s\u1ed1 50\/2010\/Q\u0110-TTg ng\u00e0y 28\/7\/2010 c\u1ee7a Th\u1ee7 t\u01b0\u1edbng Ch\u00ednh ph\u1ee7 v\u1ec1 vi\u1ec7c ban h\u00e0nh c\u01a1 ch\u1ebf x\u1eed l\u00fd n\u1ee3 b\u1ecb r\u1ee7i ro t\u1ea1i Ng\u00e2n h\u00e0ng Ch\u00ednh s\u00e1ch x\u00e3 h\u1ed9i (NHCSXH) \u0111\u00e3 gi\u00fap NHCSXH c\u00f3 c\u01a1 s\u1edf ph\u00e1p l\u00fd \u0111\u1ec3 x\u1eed l\u00fd c\u00e1c kho\u1ea3n n\u1ee3 b\u1ecb r\u1ee7i ro do nguy\u00ean nh\u00e2n b\u1ea5t kh\u1ea3 kh\u00e1ng t\u1ea1o \u0111i\u1ec1u ki\u1ec7n cho ng\u01b0\u1eddi vay \u1ed5n \u0111\u1ecbnh cu\u1ed9c s\u1ed1ng, kh\u00f4i ph\u1ee5c s\u1ea3n xu\u1ea5t v\u00e0 tr\u1ea3 n\u1ee3 Ng\u00e2n h\u00e0ng. Quy\u1ebft \u0111\u1ecbnh n\u00e0y \u0111\u00e3 gi\u00fap Ng\u00e2n h\u00e0ng c\u00f3 \u0111\u1ecbnh h\u01b0\u1edbng x\u1eed l\u00fd c\u00e1c kho\u1ea3n n\u1ee3 b\u1ecb r\u1ee7i ro \u0111\u1ed3ng th\u1eddi gi\u00fap ng\u01b0\u1eddi vay gi\u1ea3m b\u1edbt g\u00e1nh n\u1eb7ng v\u1ec1 t\u00e0i ch\u00ednh khi g\u1eb7p r\u1ee7i ro b\u1ea5t kh\u1ea3 kh\u00e1ng.<\/p>\n

B\u00ean c\u1ea1nh nh\u1eefng k\u1ebft qu\u1ea3 \u0111\u1ea1t \u0111\u01b0\u1ee3c, vi\u1ec7c x\u1eed l\u00fd n\u1ee3 b\u1ecb r\u1ee7i ro t\u1ea1i NHCSXH hi\u1ec7n nay c\u0169ng ph\u00e1t sinh m\u1ed9t s\u1ed1 kh\u00f3 kh\u0103n, v\u01b0\u1edbng m\u1eafc li\u00ean quan \u0111\u1ebfn khu\u00f4n kh\u1ed5 ph\u00e1p l\u00fd, nguy\u00ean nh\u00e2n \u0111\u01b0\u1ee3c xem x\u00e9t x\u1eed l\u00fd n\u1ee3, h\u1ed3 s\u01a1 x\u1eed l\u00fd n\u1ee3 v\u00e0 tr\u00e1ch nhi\u1ec7m trong vi\u1ec7c x\u1eed l\u00fd n\u1ee3 b\u1ecb r\u1ee7i ro. Do v\u1eady vi\u1ec7c s\u1eeda \u0111\u1ed5i, b\u1ed5 sung Quy\u1ebft \u0111\u1ecbnh 50\/2010\/Q\u0110-TTg l\u00e0 c\u1ea7n thi\u1ebft trong giai \u0111o\u1ea1n hi\u1ec7n nay.<\/p>\n

B\u1ed5 sung nguy\u00ean nh\u00e2n kh\u00e1ch quan g\u00e2y r\u1ee7i ro t\u00edn d\u1ee5ng<\/strong><\/p>\n

V\u1ec1 c\u00e1c nguy\u00ean nh\u00e2n \u0111\u01b0\u1ee3c xem x\u00e9t x\u1eed l\u00fd n\u1ee3: Ngo\u00e0i c\u00e1c quy \u0111\u1ecbnh t\u1ea1i Quy\u1ebft \u0111\u1ecbnh s\u1ed1 50\/2010\/Q\u0110-TTg v\u00e0 m\u1ed9t s\u1ed1 quy \u0111\u1ecbnh t\u1eeb Th\u00f4ng t\u01b0 s\u1ed1 161\/2010\/TT-BTC chuy\u1ec3n sang \u0111\u1ec3 c\u1ee5 th\u1ec3 h\u00f3a c\u00e1c nguy\u00ean nh\u00e2n t\u1ea1i Quy\u1ebft \u0111\u1ecbnh s\u1ed1 50\/2010\/Q\u0110-TTg, B\u1ed9 T\u00e0i ch\u00ednh tr\u00ecnh Th\u1ee7 t\u01b0\u1edbng Ch\u00ednh ph\u1ee7 b\u1ed5 sung m\u1ed9t s\u1ed1 nguy\u00ean nh\u00e2n kh\u00e1ch quan g\u00e2y r\u1ee7i ro t\u00edn d\u1ee5ng hi\u1ec7n nay ch\u01b0a c\u00f3 c\u01a1 ch\u1ebf x\u1eed l\u00fd t\u1ea1i NHCSXH nh\u01b0 sau:<\/p>\n

Ng\u01b0\u1eddi \u0111i lao \u0111\u1ed9ng \u1edf n\u01b0\u1edbc ngo\u00e0i v\u1ec1 n\u01b0\u1edbc tr\u01b0\u1edbc h\u1ea1n do kh\u00f4ng \u0111\u1ee7 s\u1ee9c kh\u1ecfe \u0111\u1ec3 l\u00e0m vi\u1ec7c, kh\u00f4ng \u0111\u1ea3m b\u1ea3o tay ngh\u1ec1, kh\u00f4ng \u0111\u01b0\u1ee3c l\u00e0m \u0111\u00fang c\u00f4ng vi\u1ec7c \u0111\u00e3 th\u1ecfa thu\u1eadn trong h\u1ee3p \u0111\u1ed3ng lao \u0111\u1ed9ng \u0111\u00e3 k\u00fd; gia \u0111\u00ecnh g\u1eb7p kh\u00f3 kh\u0103n ch\u01b0a c\u00f3 kh\u1ea3 n\u0103ng tr\u1ea3 n\u1ee3. Vi\u1ec7c b\u1ed5 sung nguy\u00ean nh\u00e2n n\u00e0y v\u00e0o nh\u00f3m nguy\u00ean nh\u00e2n \u0111\u01b0\u1ee3c xem x\u00e9t khoanh n\u1ee3 nh\u1eb1m th\u00e1o g\u1ee1 kh\u00f3 kh\u0103n tr\u01b0\u1edbc m\u1eaft cho kh\u00e1ch h\u00e0ng, qua \u0111\u00f3 t\u1ea1o \u0111i\u1ec1u ki\u1ec7n \u0111\u1ec3 kh\u00e1ch h\u00e0ng c\u00f3 \u0111i\u1ec1u ki\u1ec7n v\u00e0 th\u1eddi gian \u0111\u1ec3 ho\u00e0n tr\u1ea3 n\u1ee3 vay cho Ng\u00e2n h\u00e0ng (\u0111\u1ebfn nay, d\u1ef1 ki\u1ebfn c\u00f3 kho\u1ea3ng 1.959 m\u00f3n vay v\u1edbi s\u1ed1 ti\u1ec1n l\u00e0 38 t\u1ef7 \u0111\u1ed3ng c\u1ea7n \u0111\u01b0\u1ee3c x\u1eed l\u00fd).<\/p>\n

Kh\u00e1ch h\u00e0ng l\u00e0 c\u00e1 nh\u00e2n b\u1ecb r\u1ee7i ro tr\u01b0\u1edbc th\u1eddi \u0111i\u1ec3m n\u0103m 2014 do c\u00e1c nguy\u00ean nh\u00e2n kh\u00e1ch quan nh\u01b0ng kh\u00f4ng th\u1ef1c hi\u1ec7n x\u1eed l\u00fd r\u1ee7i ro k\u1ecbp th\u1eddi. B\u1ed9 T\u00e0i ch\u00ednh cho r\u1eb1ng vi\u1ec7c th\u1ef1c hi\u1ec7n x\u1eed l\u00fd r\u1ee7i ro v\u1ec1 nguy\u00ean t\u1eafc c\u1ea7n ph\u1ea3i th\u1ef1c hi\u1ec7n k\u1ecbp th\u1eddi \u0111\u1ec3 \u0111\u1ea3m b\u1ea3o t\u00ednh kh\u00e1ch quan v\u00e0 ch\u00ednh x\u00e1c. Tuy nhi\u00ean, tr\u00ean th\u1ef1c t\u1ebf, c\u00f3 m\u1ed9t s\u1ed1 tr\u01b0\u1eddng h\u1ee3p kh\u00e1ch h\u00e0ng b\u1ecb r\u1ee7i ro do c\u00e1c nguy\u00ean nh\u00e2n kh\u00e1ch quan nh\u01b0 b\u00e3o, l\u0169 l\u1ee5t, h\u1ea1n h\u00e1n, d\u1ecbch b\u1ec7nh… x\u1ea3y ra t\u1eeb th\u1eddi \u0111i\u1ec3m tr\u01b0\u1edbc n\u0103m 2014 nh\u01b0ng do nhi\u1ec1u nguy\u00ean nh\u00e2n kh\u00f4ng th\u1ef1c hi\u1ec7n l\u1eadp bi\u00ean b\u1ea3n thi\u1ec7t h\u1ea1i t\u1ea1i th\u1eddi \u0111i\u1ec3m x\u1ea3y ra r\u1ee7i ro, \u0111\u1ebfn nay thi\u1ec7t h\u1ea1i \u0111\u00e3 x\u1ea3y ra nhi\u1ec1u n\u0103m, h\u1ed9 vay g\u1eb7p kh\u00f3 kh\u0103n, ch\u01b0a c\u00f3 kh\u1ea3 n\u0103ng tr\u1ea3 n\u1ee3.\u00a0<\/p>\n

Theo b\u00e1o c\u00e1o c\u1ee7a NHCSXH, t\u1ed5ng s\u1ed1 n\u1ee3 b\u1ecb r\u1ee7i ro tr\u01b0\u1edbc th\u1eddi \u0111i\u1ec3m n\u0103m 2014 nh\u01b0ng kh\u00f4ng th\u1ef1c hi\u1ec7n x\u1eed l\u00fd r\u1ee7i ro k\u1ecbp th\u1eddi n\u00eau tr\u00ean l\u00e0 kho\u1ea3ng 2.000 m\u00f3n vay t\u01b0\u01a1ng \u0111\u01b0\u01a1ng kho\u1ea3ng 18,4 t\u1ef7 \u0111\u1ed3ng (g\u1ed1c 13,9 t\u1ef7 \u0111\u1ed3ng, l\u00e3i 4,5 t\u1ef7 \u0111\u1ed3ng), trong \u0111\u00f3 c\u00f3 2,8 t\u1ef7 \u0111\u1ed3ng \u0111\u00e3 \u0111\u01b0\u1ee3c khoanh n\u1ee3 theo Quy\u1ebft \u0111\u1ecbnh s\u1ed1 892\/Q\u0110-TTg c\u1ee7a Th\u1ee7 t\u01b0\u1edbng Ch\u00ednh ph\u1ee7 v\u00e0 15,6 t\u1ef7 \u0111\u1ed3ng \u0111\u00e3 \u0111\u01b0\u1ee3c li\u00ean B\u1ed9 T\u00e0i ch\u00ednh – Ng\u00e2n h\u00e0ng Nh\u00e0 n\u01b0\u1edbc Vi\u1ec7t Nam th\u1ea9m \u0111\u1ecbnh tr\u00ecnh Th\u1ee7 t\u01b0\u1edbng Ch\u00ednh ph\u1ee7 xem x\u00e9t, quy\u1ebft \u0111\u1ecbnh. Do \u0111\u00f3, B\u1ed9 T\u00e0i ch\u00ednh tr\u00ecnh Th\u1ee7 t\u01b0\u1edbng Ch\u00ednh ph\u1ee7 cho b\u1ed5 sung nh\u00f3m \u0111\u1ed1i t\u01b0\u1ee3ng n\u00e0y \u0111\u01b0\u1ee3c xem x\u00e9t x\u1eed l\u00fd n\u1ee3 \u0111\u1ec3 gi\u00fap kh\u00e1ch h\u00e0ng kh\u1eafc ph\u1ee5c \u0111\u01b0\u1ee3c kh\u00f3 kh\u0103n.<\/p>\n

H\u1ed9 gia \u0111\u00ecnh vay v\u1ed1n ho\u1eb7c h\u1ecdc sinh, sinh vi\u00ean v\u00e0 ng\u01b0\u1eddi \u0111i lao \u0111\u1ed9ng \u1edf n\u01b0\u1edbc ngo\u00e0i vay v\u1ed1n th\u00f4ng qua h\u1ed9 gia \u0111\u00ecnh b\u1ecf \u0111i kh\u1ecfi \u0111\u1ecba ph\u01b0\u01a1ng kh\u00f4ng c\u00f3 th\u00f4ng tin g\u00ec t\u1eeb 2 n\u0103m tr\u1edf l\u00ean kh\u00f4ng c\u00f3 ng\u01b0\u1eddi c\u00f3 ngh\u0129a v\u1ee5 li\u00ean \u0111\u1edbi tr\u1ea3 n\u1ee3 ho\u1eb7c ng\u01b0\u1eddi c\u00f3 ngh\u0129a v\u1ee5 li\u00ean \u0111\u1edbi tr\u1ea3 n\u1ee3 ch\u01b0a c\u00f3 kh\u1ea3 n\u0103ng tr\u1ea3 n\u1ee3. H\u1ecdc sinh sinh vi\u00ean vay v\u1ed1n tr\u1ef1c ti\u1ebfp, vay v\u1ed1n th\u00f4ng qua h\u1ed9 gia \u0111\u00ecnh b\u1ecb b\u1ec7nh c\u1ea7n ch\u1eefa tr\u1ecb d\u00e0i ng\u00e0y theo quy \u0111\u1ecbnh c\u1ee7a B\u1ed9 Y t\u1ebf; h\u1ecdc sinh sinh vi\u00ean sau khi ra tr\u01b0\u1eddng ch\u01b0a c\u00f3 vi\u1ec7c l\u00e0m ho\u1eb7c c\u00f3 vi\u1ec7c l\u00e0m nh\u01b0ng thu nh\u1eadp h\u00e0ng th\u00e1ng d\u01b0\u1edbi m\u1ee9c thu nh\u1eadp b\u00ecnh qu\u00e2n \u0111\u1ea7u ng\u01b0\u1eddi c\u1ee7a h\u1ed9 c\u00f3 m\u1ee9c s\u1ed1ng trung b\u00ecnh, gia \u0111\u00ecnh ch\u01b0a c\u00f3 kh\u1ea3 n\u0103ng tr\u1ea3 n\u1ee3.<\/p>\n

Vi\u1ec7c b\u1ed5 sung nh\u00f3m nguy\u00ean nh\u00e2n n\u00e0y l\u00e0 do kh\u00e1ch h\u00e0ng c\u1ee7a NHCSXH l\u00e0 ng\u01b0\u1eddi ngh\u00e8o v\u00e0 c\u00e1c \u0111\u1ed1i t\u01b0\u1ee3ng ch\u00ednh s\u00e1ch kh\u00e1c, \u0111\u00e2y l\u00e0 \u0111\u1ed1i t\u01b0\u1ee3ng d\u1ec5 b\u1ecb t\u1ed5n th\u01b0\u01a1ng b\u1edfi nh\u1eefng bi\u1ebfn \u0111\u1ed9ng ti\u00eau c\u1ef1c c\u1ee7a x\u00e3 h\u1ed9i v\u00e0 thi\u00ean tai. Nhi\u1ec1u kh\u00e1ch h\u00e0ng vay v\u1ed1n khi g\u1eb7p thi\u00ean tai, l\u0169 l\u1ee5t, d\u1ecbch b\u1ec7nh, s\u1ea3n xu\u1ea5t kinh doanh thua l\u1ed7 d\u1eabn t\u1edbi m\u1ea5t v\u1ed1n, kh\u00f4ng c\u00f3 kh\u1ea3 n\u0103ng kh\u00f4i ph\u1ee5c s\u1ea3n xu\u1ea5t kinh doanh \u0111\u00e3 t\u1ef1 \u00fd b\u1ecf \u0111i kh\u1ecfi \u0111\u1ecba ph\u01b0\u01a1ng kh\u00f4ng c\u00f3 th\u00f4ng tin g\u00ec, h\u1ea7u h\u1ebft nh\u1eefng h\u1ed9 vay n\u00e0y \u0111\u1ec1u chung ho\u00e0n c\u1ea3nh ngh\u00e8o \u0111\u00f3i… Do v\u1eady, nh\u1eb1m gi\u1ea3m b\u1edbt kh\u00f3 kh\u0103n v\u00e0 gi\u00fap cho nh\u1eefng \u0111\u1ed1i t\u01b0\u1ee3ng n\u00e0y c\u00f3 c\u01a1 h\u1ed9i quay v\u1ec1 \u0111\u1ecba ph\u01b0\u01a1ng, h\u1ecdc sinh sinh vi\u00ean c\u00f3 vi\u1ec7c l\u00e0m, \u1ed5n \u0111\u1ecbnh cu\u1ed9c s\u1ed1ng \u0111\u1ec3 v\u01b0\u01a1n l\u00ean tho\u00e1t ngh\u00e8o, B\u1ed9 T\u00e0i ch\u00ednh tr\u00ecnh Th\u1ee7 t\u01b0\u1edbng Ch\u00ednh ph\u1ee7 th\u1ed1ng nh\u1ea5t v\u1edbi \u0111\u1ec1 xu\u1ea5t c\u1ee7a NHCSXH cho khoanh n\u1ee3 t\u1ed1i \u0111a l\u00e0 5 n\u0103m (\u0111\u1ebfn nay, d\u1ef1 ki\u1ebfn c\u00f3 kho\u1ea3ng 4.377 m\u00f3n vay v\u1edbi s\u1ed1 ti\u1ec1n l\u00e0 31 t\u1ef7 \u0111\u1ed3ng c\u1ea7n \u0111\u01b0\u1ee3c x\u1eed l\u00fd).<\/p>\n<\/div>\n

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[ad_1] B\u1ed9 T\u00e0i ch\u00ednh cho bi\u1ebft, Quy\u1ebft \u0111\u1ecbnh s\u1ed1 50\/2010\/Q\u0110-TTg ng\u00e0y 28\/7\/2010 c\u1ee7a Th\u1ee7 t\u01b0\u1edbng Ch\u00ednh ph\u1ee7 v\u1ec1 vi\u1ec7c ban h\u00e0nh c\u01a1 ch\u1ebf x\u1eed l\u00fd n\u1ee3 b\u1ecb r\u1ee7i ro t\u1ea1i Ng\u00e2n h\u00e0ng Ch\u00ednh s\u00e1ch x\u00e3 h\u1ed9i (NHCSXH) \u0111\u00e3 gi\u00fap NHCSXH c\u00f3 c\u01a1 s\u1edf ph\u00e1p l\u00fd \u0111\u1ec3 x\u1eed l\u00fd c\u00e1c kho\u1ea3n n\u1ee3 b\u1ecb r\u1ee7i ro […]<\/p>\n","protected":false},"author":2,"featured_media":7646,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[1],"tags":[],"class_list":["post-7645","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-ban-tin-tai-chinh"],"yoast_head":"\n\u0110\u1ec1 xu\u1ea5t m\u1edbi v\u1ec1 x\u1eed l\u00fd n\u1ee3 b\u1ecb r\u1ee7i ro t\u1ea1i Ng\u00e2n h\u00e0ng Ch\u00ednh s\u00e1ch x\u00e3 h\u1ed9i - 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