{"id":8596,"date":"2019-09-12T04:55:01","date_gmt":"2019-09-12T01:55:01","guid":{"rendered":"https:\/\/super-news.info\/vi\/vi-sao-nhnn-phai-canh-bao-cac-ngan-hang-cho-vay-cam-co-so-tiet-kiem\/"},"modified":"2019-09-12T04:55:04","modified_gmt":"2019-09-12T01:55:04","slug":"vi-sao-nhnn-phai-canh-bao-cac-ngan-hang-cho-vay-cam-co-so-tiet-kiem","status":"publish","type":"post","link":"https:\/\/super-news.info\/vi\/vi-sao-nhnn-phai-canh-bao-cac-ngan-hang-cho-vay-cam-co-so-tiet-kiem\/","title":{"rendered":"V\u00ec sao NHNN ph\u1ea3i c\u1ea3nh b\u00e1o c\u00e1c ng\u00e2n h\u00e0ng cho vay c\u1ea7m c\u1ed1 s\u1ed5 ti\u1ebft ki\u1ec7m?"},"content":{"rendered":"<p>&#13;<br \/>\n                                    Ng\u00e2n h\u00e0ng &#8220;l\u01a1 l\u00e0&#8221; th\u1ea9m \u0111\u1ecbnh m\u1ee5c \u0111\u00edch s\u1eed d\u1ee5ng v\u1ed1nS\u1edf d\u0129 nhi\u1ec1u ng\u00e2n h\u00e0ng l\u01a1 l\u00e0 th\u1ea9m \u0111\u1ecbnh m\u1ee5c \u0111\u00edch s\u1eed d\u1ee5ng v\u1ed1n c\u00e1c kho\u1ea3n vay \u0111\u1ea3m b\u1ea3o b\u1eb1ng c\u1ea7m c\u1ed1 s\u1ed5 ti\u1ebft ki\u1ec7m l\u00e0 b\u1edfi v\u00ec \u0111\u00e2y l\u00e0 nh\u1eefng kho\u1ea3n t\u00edn d\u1ee5ng thu\u1ed9c h\u00e0ng \u00edt r\u1ee7i ro nh\u1ea5t.Theo \u0111\u00e1nh gi\u00e1 chung, d\u01b0 n\u1ee3 cho vay c\u1ea7m c\u1ed1 s\u1ed5 ti\u1ebft ki\u1ec7m trong h\u1ec7 th\u1ed1ng ng\u00e2n h\u00e0ng l\u00e0 kh\u00f4ng h\u1ec1 nh\u1ecf. R\u1ea5t nhi\u1ec1u kh\u00e1ch h\u00e0ng g\u1eedi ti\u1ebft ki\u1ec7m nh\u01b0ng sau \u0111\u00f3 c\u1ea7n ti\u1ec1n x\u1eed l\u00fd c\u00f4ng vi\u1ec7c c\u1ea7n ti\u1ec1n g\u1ea5p, n\u1ebfu r\u00fat ti\u1ec1n g\u1eedi tr\u01b0\u1edbc h\u1ea1n th\u00ec theo quy \u0111\u1ecbnh s\u1ebd ph\u1ea3i ch\u1ecbu l\u00e3i su\u1ea5t kh\u00f4ng k\u1ef3 h\u1ea1n r\u1ea5t th\u1ea5p.Do \u0111\u00f3 nhi\u1ec1u ng\u01b0\u1eddi ch\u1ecdn vay c\u1ea7m c\u1ed1 s\u1ed5 ti\u1ebft ki\u1ec7m, ch\u1ea5p nh\u1eadn l\u00e3i su\u1ea5t vay cao h\u01a1n l\u00e3i su\u1ea5t g\u1eedi ti\u1ec1n tr\u00ean s\u1ed5 ti\u1ebft ki\u1ec7m nh\u01b0ng k\u1ef3 h\u1ea1n vay ng\u1eafn h\u01a1n.\u0110\u01a1n c\u1eed, n\u1ebfu m\u1ed9t ng\u01b0\u1eddi c\u00f3 1 t\u1ef7 \u0111\u1ed3ng g\u1eedi ti\u1ebft ki\u1ec7m k\u1ef3 h\u1ea1n 12 th\u00e1ng, l\u00e3i su\u1ea5t 7,5%\/n\u0103m th\u00ec sau 1 n\u0103m s\u1ebd c\u00f3 75 tri\u1ec7u \u0111\u1ed3ng ti\u1ec1n l\u00e3i. Gi\u1ea3 s\u1eed c\u00f2n 1 th\u00e1ng n\u1eefa \u0111\u1ebfn k\u1ef3 h\u1ea1n t\u1ea5t to\u00e1n nh\u01b0ng c\u1ea7n ti\u1ec1n g\u1ea5p, n\u1ebfu r\u00fat tr\u01b0\u1edbc h\u1ea1n th\u00ec s\u1ebd ch\u1ec9 \u0111\u01b0\u1ee3c h\u01b0\u1edfng l\u00e3i su\u1ea5t kh\u00f4ng k\u1ef3 h\u1ea1n, th\u01b0\u1eddng ch\u1ec9 kho\u1ea3ng 0,2%\/n\u0103m. Nh\u01b0ng n\u1ebfu c\u1ea7m c\u1ed1 s\u1ed5 ti\u1ebft ki\u1ec7m \u0111\u1ec3 vay 1 t\u1ef7 \u0111\u1ed3ng, k\u1ef3 h\u1ea1n 1 th\u00e1ng, l\u00e3i su\u1ea5t gi\u1ea3 s\u1eed 9%\/n\u0103m th\u00ec kh\u00e1ch h\u00e0ng v\u1eabn \u0111\u01b0\u1ee3c h\u01b0\u1edfng 75 tri\u1ec7u \u0111\u1ed3ng ti\u1ec1n l\u00e3i v\u00e0 ch\u1ec9 ph\u1ea3i tr\u1ea3 7,5 tri\u1ec7u \u0111\u1ed3ng ti\u1ec1n l\u00e3i cho 1 th\u00e1ng vay.Do ng\u00e2n h\u00e0ng n\u1eafm ch\u1eafc t\u00e0i s\u1ea3n \u0111\u1ea3m b\u1ea3o ch\u00ednh l\u00e0 s\u1ed5 ti\u1ebft ki\u1ec7m m\u1edf t\u1ea1i ng\u00e2n h\u00e0ng m\u00ecnh ho\u1eb7c \u1edf ng\u00e2n h\u00e0ng kh\u00e1c \u2013 t\u1ee9c c\u00f3 gi\u00e1 tr\u1ecb t\u01b0\u01a1ng \u0111\u01b0\u01a1ng ti\u1ec1n m\u1eb7t, n\u00ean s\u1ea3n ph\u1ea9m cho vay c\u1ea7m c\u1ed1 s\u1ed5 ti\u1ebft ki\u1ec7m \u0111\u01b0\u1ee3c xem l\u00e0 c\u00f3 t\u00ednh an to\u00e0n cao.Nhi\u1ec1u ng\u00e2n h\u00e0ng kh\u00f4ng ch\u00fa tr\u1ecdng th\u1ea9m \u0111\u1ecbnh m\u1ee5c \u0111\u00edch s\u1eed d\u1ee5ng v\u1ed1n \u0111\u1ed1i v\u1edbi c\u00e1c kho\u1ea3n vay c\u1ea7m c\u1ed1 b\u1eb1ng s\u1ed5 ti\u1ebft ki\u1ec7mTrong nh\u1eefng n\u0103m tr\u01b0\u1edbc \u0111\u00e2y, nhi\u1ec1u ng\u00e2n h\u00e0ng \u0111\u00e3 tri\u1ec3n khai s\u1ea3n ph\u1ea9m g\u1eedi ti\u1ec1n r\u00fat g\u1ed1c linh ho\u1ea1t, theo \u0111\u00f3 cho ph\u00e9p kh\u00e1ch h\u00e0ng c\u00f3 th\u1ec3 r\u00fat g\u1ed1c t\u1eebng ph\u1ea7n ho\u1eb7c th\u1eadm ch\u00ed to\u00e0n b\u1ed9 tr\u01b0\u1edbc h\u1ea1n m\u00e0 v\u1eabn \u0111\u01b0\u1ee3c h\u01b0\u1edfng l\u00e3i su\u1ea5t nh\u01b0 ban \u0111\u1ea7u.\u0110i\u1ec1u n\u00e0y d\u1eabn \u0111\u1ebfn t\u00ecnh tr\u1ea1ng m\u1ea5t an to\u00e0n thanh kho\u1ea3n c\u0169ng nh\u01b0 r\u1ee7i ro k\u1ef3 h\u1ea1n t\u1ea1i c\u00e1c ng\u00e2n h\u00e0ng, do \u0111\u00f3 h\u00ecnh th\u1ee9c cho vay n\u00e0y \u0111\u00e3 b\u1ecb c\u1ea5m.Nhi\u1ec1u ng\u00e2n h\u00e0ng \u0111\u00e3 \u201cl\u00e1ch\u201d quy \u0111\u1ecbnh n\u00e0y b\u1eb1ng h\u00ecnh th\u1ee9c cho vay c\u1ea7m c\u1ed1 s\u1ed5 ti\u1ebft ki\u1ec7m, theo \u0111\u00f3, kh\u00e1ch h\u00e0ng s\u1ebd ch\u1ea5p nh\u1eadn m\u1ee9c l\u00e3i su\u1ea5t vay cao h\u01a1n l\u00e3i su\u1ea5t tr\u00ean s\u1ed5 ti\u1ebft ki\u1ec7m m\u1ed9t c\u00e1ch t\u01b0\u1ee3ng tr\u01b0ng.L\u00e1ch \u0111\u1ec3 \u0111\u1ea9y d\u01b0 n\u1ee3 t\u00edn d\u1ee5ngS\u1ebd kh\u00f4ng c\u00f3 g\u00ec \u0111\u00e1ng n\u00f3i nhi\u1ec1u n\u1ebfu s\u1ea3n ph\u1ea9m cho vay c\u1ea7m c\u1ed1 s\u1ed5 ti\u1ebft ki\u1ec7m ch\u1ec9 ph\u1ee5c v\u1ee5 nh\u1eefng nhu c\u1ea7u ph\u00e1t sinh c\u1ee7a kh\u00e1ch h\u00e0ng nh\u01b0 tr\u00ean. Theo lu\u1eadt s\u01b0 Tr\u01b0\u01a1ng Thanh \u0110\u1ee9c, Ch\u1ee7 t\u1ecbch H\u0110TV C\u00f4ng ty Lu\u1eadt Basico, khi c\u00e1c ng\u00e2n h\u00e0ng \u0111\u1ea9y m\u1ea1nh cho vay c\u1ea7m c\u1ed1 s\u1ed5 ti\u1ebft ki\u1ec7m, s\u1ebd c\u00f3 hai v\u1ea5n \u0111\u1ec1 ph\u00e1t sinh.Th\u1ee9 nh\u1ea5t, n\u1ebfu kho\u1ea3n ti\u1ec1n g\u1eedi ti\u1ebft ki\u1ec7m c\u00f3 ngu\u1ed3n g\u1ed1c b\u1ea5t h\u1ee3p ph\u00e1p th\u00ec s\u1ebd r\u1ee7i ro cho ng\u00e2n h\u00e0ng, v\u00ec n\u1ebfu Nh\u00e0 n\u01b0\u1edbc t\u1ecbch thu th\u00ec ng\u00e2n h\u00e0ng s\u1ebd kh\u00f4ng th\u1ec3 t\u1ea5t to\u00e1n \u0111\u01b0\u1ee3c.Th\u1ee9 hai l\u00e0 hi\u1ec7n nay nhi\u1ec1u ng\u00e2n h\u00e0ng l\u1ee3i d\u1ee5ng s\u1ea3n ph\u1ea9m n\u00e0y \u0111\u1ec3 \u0111\u1ea9y t\u0103ng tr\u01b0\u1edfng t\u00edn d\u1ee5ng, nh\u1ea5t l\u00e0 th\u1eddi \u0111i\u1ec3m chu\u1ea9n b\u1ecb ch\u1ed1t s\u1ed1 li\u1ec7u. Chi\u00eau n\u00e0y \u0111\u01b0\u1ee3c kh\u00f4ng \u00edt ng\u00e2n h\u00e0ng \u00e1p d\u1ee5ng, nh\u1ea5t l\u00e0 t\u1eeb khi Ng\u00e2n h\u00e0ng Nh\u00e0 n\u01b0\u1edbc (NHNN) \u00e1p d\u1ee5ng ch\u00ednh s\u00e1ch giao ch\u1ec9 ti\u00eau t\u0103ng tr\u01b0\u1edfng t\u00edn d\u1ee5ng ph\u00f9 h\u1ee3p cho t\u1eebng ng\u00e2n h\u00e0ng.\u201cC\u00e1c ng\u00e2n h\u00e0ng c\u00f3 th\u1ec3 \u201cl\u00e1ch lu\u1eadt\u201d, t\u1ea1o m\u1ed9t v\u00f2ng g\u1eedi ti\u1ebft ki\u1ec7m \u2013 c\u1ea7m c\u1ed1 s\u1ed5 ti\u1ebft ki\u1ec7m vay ti\u1ec1n \u2013 sau \u0111\u00f3 l\u1ea1i g\u1eedi ti\u1ec1n \u2013 r\u1ed3i l\u1ea1i vay ti\u1ec1n\u2026 \u0110i\u1ec1u n\u00e0y \u0111\u00e3 nh\u00e2n h\u1ec7 s\u1ed1 ti\u1ec1n g\u1eedi, ti\u1ec1n vay l\u00ean nhi\u1ec1u l\u1ea7n, d\u1eabn \u0111\u1ebfn d\u01b0 n\u1ee3 \u1ea3o, ch\u1ec9 ti\u00eau kh\u1ed1ng\u2026 V\u00ed d\u1ee5 NHNN giao ch\u1ec9 ti\u00eau t\u0103ng tr\u01b0\u1edfng t\u00edn d\u1ee5ng cho anh, \u0111\u1ebfn cu\u1ed1i n\u0103m anh ch\u01b0a \u0111\u00e1p \u1ee9ng th\u00ec anh c\u00f3 th\u1ec3 l\u00e0m v\u00e0i v\u00f2ng nh\u01b0 v\u1eady, c\u00f3 th\u1ec3 t\u0103ng v\u00e0i ph\u1ea7n tr\u0103m \u201cngon \u01a1\u201d, sang n\u0103m anh l\u1ea5y \u0111\u00f3 l\u00e0m n\u1ec1n \u0111\u1ec3 \u0111\u01b0\u1ee3c giao ch\u1ec9 ti\u00eau cao\u2026\u201d \u2013 lu\u1eadt s\u01b0 Tr\u01b0\u01a1ng Thanh \u0110\u1ee9c minh h\u1ecda.Tr\u01b0\u1edbc nh\u1eefng v\u1ea5n \u0111\u1ec1 ph\u00e1t sinh, NHNN \u0111\u00e3 c\u00f3 Th\u00f4ng t\u01b0 39\/2016\/TT-NHNN ban h\u00e0nh v\u00e0o cu\u1ed1i n\u0103m 2016 quy \u0111\u1ecbnh cho vay c\u1ea7m c\u1ed1 s\u1ed5 ti\u1ebft ki\u1ec7m theo h\u01b0\u1edbng ch\u1eb7t ch\u1ebd h\u01a1n. Theo \u0111\u00f3, Th\u00f4ng t\u01b0 39 y\u00eau c\u1ea7u kh\u00e1ch h\u00e0ng vay ph\u1ea3i \u0111\u00e1p \u1ee9ng \u0111\u1ea7y \u0111\u1ee7 c\u00e1c \u0111i\u1ec1u ki\u1ec7n vay v\u1ed1n v\u00e0 ph\u1ea3i cung c\u1ea5p cho t\u1ed5 ch\u1ee9c t\u00edn d\u1ee5ng c\u00e1c t\u00e0i li\u1ec7u ch\u1ee9ng minh \u0111\u1ee7 \u0111i\u1ec1u ki\u1ec7n vay v\u1ed1n, ch\u1ee9ng minh m\u1ee5c \u0111\u00edch s\u1eed d\u1ee5ng v\u1ed1n vay ph\u00f9 h\u1ee3p, k\u1ec3 c\u1ea3 cho vay c\u1ea7m c\u1ed1 s\u1ed5 ti\u1ebft ki\u1ec7m.Theo c\u00e1c chuy\u00ean gia, vi\u1ec7c si\u1ebft ch\u1eb7t cho vay c\u1ea7m c\u1ed1 s\u1ed5 ti\u1ebft ki\u1ec7m l\u00e0 c\u1ea7n thi\u1ebft. \u0110i\u1ec1u n\u00e0y kh\u00f4ng ch\u1ec9 h\u1ea1n ch\u1ebf t\u00ecnh tr\u1ea1ng t\u0103ng d\u01b0 n\u1ee3 kh\u1ed1ng t\u1ea1i m\u1ed9t s\u1ed1 ng\u00e2n h\u00e0ng nh\u01b0 \u0111\u00e3 n\u00eau tr\u00ean m\u00e0 c\u00f2n gi\u1ea3m thi\u1ec3u c\u00e1c r\u1ee7i ro nh\u01b0 l\u00e0m gi\u1ea3 s\u1ed5 ti\u1ebft ki\u1ec7m \u0111\u1ec3 c\u1ea7m c\u1ed1 vay v\u1ed1n \u0111\u00e3 t\u1eebng x\u1ea3y ra t\u1ea1i m\u1ed9t s\u1ed1 ng\u00e2n h\u00e0ng th\u1eddi gian g\u1ea7n \u0111\u00e2y.Ng\u00e2n h\u00e0ng Nh\u00e0 n\u01b0\u1edbc v\u1eeba c\u00f3 v\u0103n b\u1ea3n g\u1eedi \u0111\u1ebfn c\u00e1c t\u1ed5 ch\u1ee9c t\u00edn  d\u1ee5ng, chi nh\u00e1nh ng\u00e2n h\u00e0ng n\u01b0\u1edbc ngo\u00e0i c\u1ea3nh b\u00e1o cho vay c\u1ea7m c\u1ed1 s\u1ed5 ti\u1ebft  ki\u1ec7m kh\u00f4ng c\u00f3 ph\u01b0\u01a1ng \u00e1n s\u1eed d\u1ee5ng v\u1ed1n vay.Theo \u0111\u00f3,  NHNN cho bi\u1ebft, qua qu\u00e1 tr\u00ecnh thanh tra, gi\u00e1m s\u00e1t, NHNN nh\u1eadn th\u1ea5y c\u00f3  hi\u1ec7n t\u01b0\u1ee3ng m\u1ed9t s\u1ed1 t\u1ed5 ch\u1ee9c t\u00edn d\u1ee5ng, chi nh\u00e1nh ng\u00e2n h\u00e0ng n\u01b0\u1edbc ngo\u00e0i  (TCTD) cho kh\u00e1ch h\u00e0ng vay v\u1ed1n c\u00f3 \u0111\u1ea3m b\u1ea3o b\u1eb1ng c\u1ea7m c\u1ed1 s\u1ed5 ti\u1ebft ki\u1ec7m nh\u01b0ng  kh\u00f4ng c\u00f3 ph\u01b0\u01a1ng \u00e1n s\u1eed d\u1ee5ng v\u1ed1n, vi ph\u1ea1m quy \u0111\u1ecbnh c\u1ee7a NHNN v\u1ec1 s\u1eed d\u1ee5ng  ph\u01b0\u01a1ng ti\u1ec7n thanh to\u00e1n kh\u00f4ng d\u00f9ng ti\u1ec1n m\u1eb7t \u0111\u1ec3 gi\u1ea3i ng\u00e2n v\u1ed1n vay.V\u00ec  v\u1eady, NHNN y\u00eau c\u1ea7u c\u00e1c TCTD kh\u00f4ng th\u1ef1c hi\u1ec7n c\u00e1c h\u00e0nh vi c\u1ea1nh tranh kh\u00f4ng  l\u00e0nh m\u1ea1nh; ch\u1ea5p h\u00e0nh nghi\u00eam c\u00e1c quy \u0111\u1ecbnh c\u1ee7a ph\u00e1p lu\u1eadt v\u1ec1 cho vay, v\u1ec1  l\u00e3i su\u1ea5t huy \u0111\u1ed9ng b\u1eb1ng ngo\u1ea1i t\u1ec7, v\u1ec1 s\u1eed d\u1ee5ng ph\u01b0\u01a1ng ti\u1ec7n thanh to\u00e1n kh\u00f4ng  d\u00f9ng ti\u1ec1n m\u1eb7t \u0111\u1ec3 gi\u1ea3i ng\u00e2n v\u1ed1n vay. \u0110\u1ed3ng th\u1eddi, ki\u1ec3m so\u00e1t ch\u1eb7t ch\u1ebd c\u00e1c  kho\u1ea3n vay, \u0111\u1eb7c bi\u1ec7t l\u00e0 ki\u1ec3m so\u00e1t m\u1ee5c \u0111\u00edch s\u1eed d\u1ee5ng v\u1ed1n vay v\u00e0 gi\u1ea3i ng\u00e2n  v\u1ed1n vay \u0111\u1ed1i v\u1edbi kho\u1ea3n vay c\u00f3 b\u1ea3o \u0111\u1ea3m b\u1eb1ng c\u1ea7m c\u1ed1 s\u1ed5 ti\u1ebft ki\u1ec7m. NHNN cho  bi\u1ebft s\u1ebd x\u1eed l\u00fd nghi\u00eam c\u00e1c TCTD c\u1ed1 t\u00ecnh vi ph\u1ea1m c\u00e1c quy \u0111\u1ecbnh tr\u00ean.<br \/>\n<br \/><a href=\"http:\/\/cafef.vn\/vi-sao-nhnn-phai-canh-bao-cac-ngan-hang-cho-vay-cam-co-so-tiet-kiem-20190912073518468.chn\" rel=\"nofollow\">Source link <\/a><\/p>\n","protected":false},"excerpt":{"rendered":"<p>&#13; Ng\u00e2n h\u00e0ng &#8220;l\u01a1 l\u00e0&#8221; th\u1ea9m \u0111\u1ecbnh m\u1ee5c \u0111\u00edch s\u1eed d\u1ee5ng v\u1ed1nS\u1edf d\u0129 nhi\u1ec1u ng\u00e2n h\u00e0ng l\u01a1 l\u00e0 th\u1ea9m \u0111\u1ecbnh m\u1ee5c \u0111\u00edch s\u1eed d\u1ee5ng v\u1ed1n c\u00e1c kho\u1ea3n vay \u0111\u1ea3m b\u1ea3o b\u1eb1ng c\u1ea7m c\u1ed1 s\u1ed5 ti\u1ebft ki\u1ec7m l\u00e0 b\u1edfi v\u00ec \u0111\u00e2y l\u00e0 nh\u1eefng kho\u1ea3n t\u00edn d\u1ee5ng thu\u1ed9c h\u00e0ng \u00edt r\u1ee7i ro nh\u1ea5t.Theo \u0111\u00e1nh gi\u00e1 chung, d\u01b0 [&hellip;]<\/p>\n","protected":false},"author":2,"featured_media":8597,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[1],"tags":[],"class_list":["post-8596","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-ban-tin-tai-chinh"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.4 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>V\u00ec sao NHNN ph\u1ea3i c\u1ea3nh b\u00e1o c\u00e1c ng\u00e2n h\u00e0ng cho vay c\u1ea7m c\u1ed1 s\u1ed5 ti\u1ebft ki\u1ec7m? 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