{"id":8722,"date":"2019-09-14T05:58:46","date_gmt":"2019-09-14T02:58:46","guid":{"rendered":"https:\/\/super-news.info\/vi\/vi-sao-lai-siet-cam-co-so-tiet-kiem\/"},"modified":"2019-09-14T05:58:49","modified_gmt":"2019-09-14T02:58:49","slug":"vi-sao-lai-siet-cam-co-so-tiet-kiem","status":"publish","type":"post","link":"https:\/\/super-news.info\/vi\/vi-sao-lai-siet-cam-co-so-tiet-kiem\/","title":{"rendered":"V\u00ec sao l\u1ea1i si\u1ebft c\u1ea7m c\u1ed1 s\u1ed5 ti\u1ebft ki\u1ec7m?"},"content":{"rendered":"<p>&#13;<br \/>\n                                    Nhi\u1ec1u n\u0103m qua, cho vay c\u1ea7m c\u1ed1 b\u1eb1ng s\u1ed5 ti\u1ebft ki\u1ec7m l\u00e0 m\u1ed9t nghi\u1ec7p v\u1ee5 kh\u00e1 ph\u1ed5 bi\u1ebfn, \u0111\u01b0\u1ee3c nhi\u1ec1u ng\u00e2n h\u00e0ng (NH) th\u01b0\u01a1ng m\u1ea1i tri\u1ec3n khai nh\u1eb1m t\u1ea1o thu\u1eadn l\u1ee3i cho kh\u00e1ch h\u00e0ng.X\u1eed l\u00fd nghi\u00eam n\u1ebfu c\u1ed1 t\u00ecnh vi ph\u1ea1mTheo \u0111\u00f3, s\u1ed5 ti\u1ebft ki\u1ec7m c\u00f3 th\u1ec3 \u0111\u01b0\u1ee3c d\u00f9ng l\u00e0m t\u00e0i s\u1ea3n b\u1ea3o \u0111\u1ea3m \u0111\u1ec3 vay ti\u1ec1n cho nh\u1eefng nhu c\u1ea7u kinh doanh, ti\u00eau d\u00f9ng, b\u1ea3o l\u00e3nh cho ng\u01b0\u1eddi th\u00e2n vay NH, con c\u00e1i \u0111i du h\u1ecdc&#8230; M\u1ee9c vay th\u01b0\u1eddng l\u00ean t\u1edbi 90%, th\u1eadm ch\u00ed 100% gi\u00e1 tr\u1ecb s\u1ed5 ti\u1ebft ki\u1ec7m.Ch\u1ecb Ng\u1ecdc Khanh (ng\u1ee5 qu\u1eadn T\u00e2n B\u00ecnh, TP HCM) cho bi\u1ebft l\u1ea7n n\u00e0o \u0111i g\u1eedi ti\u1ebft ki\u1ec7m, ch\u1ecb c\u0169ng \u0111\u01b0\u1ee3c nh\u00e2n vi\u00ean giao d\u1ecbch khuy\u00ean ch\u1ecdn k\u1ef3 h\u1ea1n d\u00e0i \u0111\u1ec3 \u0111\u01b0\u1ee3c l\u00e3i su\u1ea5t cao. &#8220;NH n\u00f3i khi c\u1ea7n ti\u1ec1n g\u1ea5p, t\u00f4i c\u00f3 th\u1ec3 th\u1ebf ch\u1ea5p s\u1ed5 ti\u1ebft ki\u1ec7m \u0111\u1ec3 vay ti\u1ec1n s\u1eed d\u1ee5ng r\u1ed3i ho\u00e0n tr\u1ea3 NH. L\u00e3i su\u1ea5t vay c\u00f3 cao nh\u01b0ng th\u1eddi gian vay ng\u1eafn n\u00ean ti\u1ec1n l\u00e3i c\u0169ng kh\u00f4ng \u0111\u00e1ng l\u00e0 bao, \u0111\u1ed5i l\u1ea1i, t\u00f4i kh\u00f4ng ph\u1ea3i r\u00fat ti\u1ec1n tr\u01b0\u1edbc h\u1ea1n. Nh\u01b0ng v\u00ec t\u00ednh lo xa n\u00ean t\u00f4i v\u1eabn ch\u1ecdn g\u1eedi k\u1ef3 h\u1ea1n ng\u1eafn cho y\u00ean t\u00e2m&#8221; &#8211; ch\u1ecb Ng\u1ecdc Khanh k\u1ec3.L\u00e3nh \u0111\u1ea1o c\u00e1c NH th\u01b0\u01a1ng m\u1ea1i \u0111\u1ec1u th\u1eeba nh\u1eadn cho vay c\u1ea7m c\u1ed1 b\u1eb1ng s\u1ed5 ti\u1ebft ki\u1ec7m tr\u01b0\u1edbc nay l\u00e0 nghi\u1ec7p v\u1ee5 kh\u00e1 ph\u1ed5 bi\u1ebfn. S\u1ed5 ti\u1ebft ki\u1ec7m c\u0169ng nh\u01b0 c\u00e1c lo\u1ea1i gi\u1ea5y t\u1edd c\u00f3 gi\u00e1 kh\u00e1c s\u1ebd \u0111\u01b0\u1ee3c NH c\u1ea7m c\u1ed1 r\u1ed3i cho vay khi kh\u00e1ch h\u00e0ng c\u00f3 nhu c\u1ea7u. Ch\u1eb3ng h\u1ea1n, kh\u00e1ch h\u00e0ng m\u1edf s\u1ed5 ti\u1ebft ki\u1ec7m t\u1ea1i NH nh\u01b0ng c\u1ea7n v\u1ed1n \u0111\u1ed9t xu\u1ea5t khi s\u1ed5 ti\u1ebft ki\u1ec7m ch\u01b0a \u0111\u1ebfn h\u1ea1n c\u00f3 th\u1ec3 th\u1ebf ch\u1ea5p ch\u00ednh s\u1ed5 n\u00e0y \u0111\u1ec3 vay l\u1ea1i v\u1edbi l\u00e3i su\u1ea5t \u01b0u \u0111\u00e3i. Bi\u1ec7n ph\u00e1p n\u00e0y c\u00f3 l\u1ee3i h\u01a1n nhi\u1ec1u so v\u1edbi r\u00fat tr\u01b0\u1edbc h\u1ea1n s\u1ebd ch\u1ec9 \u0111\u01b0\u1ee3c l\u00e3i su\u1ea5t kh\u00f4ng k\u1ef3 h\u1ea1n r\u1ea5t th\u1ea5p\u2026M\u1ed9t s\u1ed1 ng\u00e2n h\u00e0ng than phi\u1ec1n vi\u1ec7c ki\u1ec3m so\u00e1t m\u1ee5c \u0111\u00edch s\u1eed d\u1ee5ng v\u1ed1n vay t\u1eeb vi\u1ec7c c\u1ea7m c\u1ed1 s\u1ed5 ti\u1ebft ki\u1ec7m s\u1ebd g\u00e2y kh\u00f3 cho kh\u00e1ch h\u00e0ng c\u0169ng nh\u01b0 vi\u1ec7c huy \u0111\u1ed9ng v\u1ed1n trung v\u00e0 d\u00e0i h\u1ea1nTuy nhi\u00ean, m\u1edbi \u0111\u00e2y NH Nh\u00e0 n\u01b0\u1edbc (NHNN) l\u1ea1i c\u00f3 v\u0103n b\u1ea3n g\u1eedi c\u00e1c t\u1ed5 ch\u1ee9c t\u00edn d\u1ee5ng, chi nh\u00e1nh NH n\u01b0\u1edbc ngo\u00e0i (kh\u00f4ng bao g\u1ed3m qu\u1ef9 t\u00edn d\u1ee5ng nh\u00e2n d\u00e2n, t\u1ed5 ch\u1ee9c t\u00e0i ch\u00ednh vi m\u00f4) c\u1ea3nh b\u00e1o v\u1ec1 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.V\u0103n b\u1ea3n n\u00eau r\u00f5 qua c\u00f4ng t\u00e1c 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 NH n\u01b0\u1edbc ngo\u00e0i cho kh\u00e1ch h\u00e0ng vay c\u00f3 b\u1ea3o \u0111\u1ea3m 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 vay; vi ph\u1ea1m quy \u0111\u1ecbnh 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. Do \u0111\u00f3, NHNN y\u00eau c\u1ea7u t\u1ed5 ch\u1ee9c t\u00edn d\u1ee5ng kh\u00f4ng th\u1ef1c hi\u1ec7n h\u00e0nh vi c\u1ea1nh tranh kh\u00f4ng l\u00e0nh m\u1ea1nh, ch\u1ea5p h\u00e0nh nghi\u00eam quy \u0111\u1ecbnh c\u1ee7a ph\u00e1p lu\u1eadt v\u1ec1 cho vay, l\u00e3i su\u1ea5t huy \u0111\u1ed9ng b\u1eb1ng ngo\u1ea1i t\u1ec7, 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\u00e0 ki\u1ec3m so\u00e1t ch\u1eb7t ch\u1ebd kho\u1ea3n vay\u2026 &#8220;\u0110\u1eb7c bi\u1ec7t, NH th\u01b0\u01a1ng m\u1ea1i ph\u1ea3i ki\u1ec3m so\u00e1t m\u1ee5c \u0111\u00edch s\u1eed d\u1ee5ng v\u1ed1n vay v\u00e0 gi\u1ea3i ng\u00e2n v\u1ed1n vay khi kh\u00e1ch h\u00e0ng b\u1ea3o \u0111\u1ea3m b\u1eb1ng c\u1ea7m c\u1ed1 s\u1ed5 ti\u1ebft ki\u1ec7m. NHNN s\u1ebd x\u1eed l\u00fd nghi\u00eam c\u00e1c t\u1ed5 ch\u1ee9c t\u00edn d\u1ee5ng c\u1ed1 t\u00ecnh vi ph\u1ea1m&#8221; &#8211; c\u01a1 quan Thanh tra Gi\u00e1m s\u00e1t NHNN n\u00eau r\u00f5.Ngo\u00e0i ra, c\u00e1c t\u1ed5 ch\u1ee9c t\u00edn d\u1ee5ng c\u1ea7n t\u0103ng c\u01b0\u1eddng c\u00f4ng t\u00e1c t\u1ef1 ki\u1ec3m tra, ki\u1ec3m so\u00e1t vi\u1ec7c tu\u00e2n th\u1ee7 quy \u0111\u1ecbnh ph\u00e1p lu\u1eadt v\u00e0 quy \u0111\u1ecbnh n\u1ed9i b\u1ed9 li\u00ean quan \u0111\u1ebfn ho\u1ea1t \u0111\u1ed9ng huy \u0111\u1ed9ng v\u1ed1n v\u00e0 cho vay, \u0111\u1eb7c bi\u1ec7t l\u00e0 c\u00e1c kho\u1ea3n cho vay c\u00f3 b\u1ea3o \u0111\u1ea3m c\u1ea7m c\u1ed1 s\u1ed5 ti\u1ebft ki\u1ec7m.Ki\u1ec3m so\u00e1t l\u00e0 c\u1ea7n thi\u1ebftTrao \u0111\u1ed5i v\u1edbi ph\u00f3ng vi\u00ean B\u00e1o Ng\u01b0\u1eddi Lao \u0110\u1ed9ng v\u1ec1 y\u00eau c\u1ea7u si\u1ebft m\u1ee5c \u0111\u00edch vay c\u1ea7m c\u1ed1 s\u1ed5 ti\u1ebft ki\u1ec7m, gi\u00e1m \u0111\u1ed1c kinh doanh m\u1ed9t NH c\u1ed5 ph\u1ea7n quy m\u00f4 v\u1eeba t\u1ea1i TP HCM cho r\u1eb1ng kh\u00e1ch h\u00e0ng th\u1ebf ch\u1ea5p s\u1ed5 \u0111\u1ec3 vay ti\u1ec1n ch\u1ee7 y\u1ebfu cho nhu c\u1ea7u v\u1ed1n \u0111\u1ed9t xu\u1ea5t, vay ti\u00eau d\u00f9ng n\u00ean r\u1ea5t kh\u00f3 ch\u1ee9ng minh m\u1ee5c \u0111\u00edch s\u1eed d\u1ee5ng v\u1ed1n. N\u1ebfu NHNN b\u1eaft bu\u1ed9c ng\u01b0\u1eddi vay ph\u1ea3i ch\u1ee9ng minh m\u1ee5c \u0111\u00edch m\u1edbi \u0111\u01b0\u1ee3c gi\u1ea3i ng\u00e2n s\u1ebd g\u00e2y kh\u00f3 cho kh\u00e1ch v\u1eeba kh\u00f3 cho c\u1ea3 NH trong vi\u1ec7c huy \u0111\u1ed9ng v\u1ed1n trung &#8211; d\u00e0i h\u1ea1n. B\u1edfi n\u1ebfu g\u1eedi ti\u1ec1n k\u1ef3 h\u1ea1n d\u00e0i, \u0111\u1ebfn khi c\u1ea7n v\u1ed1n \u0111\u1ed9t xu\u1ea5t l\u1ea1i kh\u00f4ng \u0111\u01b0\u1ee3c vay c\u1ea7m c\u1ed1 s\u1ebd kh\u00f4ng c\u00f2n ai ch\u1ecdn ti\u1ebft ki\u1ec7m trung v\u00e0 d\u00e0i h\u1ea1n n\u1eefa.&#8221;Ch\u01b0a k\u1ec3, m\u1ed9t s\u1ed1 NH c\u1ed1 t\u00ecnh l\u00e1ch lu\u1eadt t\u00ecm c\u00e1ch h\u1ee3p th\u1ee9c h\u00f3a vi ph\u1ea1m, trong khi nh\u1eefng NH tu\u00e2n th\u1ee7 t\u1ed1t c\u00f3 th\u1ec3 b\u1ecb &#8220;v\u1ea1 l\u00e2y&#8221; t\u1eeb \u0111\u1ed9ng th\u00e1i c\u1ea3nh b\u00e1o v\u00e0 x\u1eed l\u00fd c\u1ee7a NHNN&#8221; &#8211; v\u1ecb n\u00e0y n\u00eau gi\u1ea3 thi\u1ebft v\u00e0 kh\u1eb3ng \u0111\u1ecbnh h\u1ea7u h\u1ebft c\u00e1c kho\u1ea3n cho vay b\u1ea3o \u0111\u1ea3m b\u1eb1ng s\u1ed5 ti\u1ebft ki\u1ec7m \u1edf NH \u00f4ng \u0111\u1ec1u kh\u00f4ng ph\u00e1t sinh n\u1ee3 x\u1ea5u.Chuy\u00ean gia t\u00e0i ch\u00ednh &#8211; TS C\u1ea5n V\u0103n L\u1ef1c cho r\u1eb1ng vi\u1ec7c NHNN c\u1ea3nh b\u00e1o cho vay c\u1ea7m c\u1ed1 s\u1ed5 ti\u1ebft ki\u1ec7m ph\u1ea3i b\u1ea3o \u0111\u1ea3m ph\u01b0\u01a1ng \u00e1n vay nh\u1eb1m nh\u1eafc nh\u1edf t\u1ed5 ch\u1ee9c t\u00edn d\u1ee5ng \u0111\u1ec3 ho\u1ea1t \u0111\u1ed9ng t\u00edn d\u1ee5ng c\u00f3 t\u00ednh th\u1ef1c ch\u1ea5t, \u0111\u01b0\u1ee3c ph\u1ea3n \u00e1nh \u0111\u00fang s\u1ed1 li\u1ec7u tr\u00ean c\u00e1c b\u00e1o c\u00e1o t\u00edn d\u1ee5ng. D\u00f9 v\u1eady, h\u00ecnh th\u1ee9c cho vay n\u00e0y chi\u1ebfm d\u01b0 n\u1ee3 kh\u00f4ng qu\u00e1 l\u1edbn v\u00e0 nhi\u1ec1u NH c\u0169ng kh\u1ed1ng ch\u1ebf t\u1ec9 l\u1ec7 cho vay. &#8220;Ri\u00eang ki\u1ec3m so\u00e1t m\u1ee5c \u0111\u00edch s\u1eed d\u1ee5ng v\u1ed1n vay l\u00e0 kh\u00f4ng d\u1ec5 th\u1ef1c hi\u1ec7n, b\u1edfi nhi\u1ec1u kho\u1ea3n vay l\u00e0 \u0111\u1ec3 ti\u00eau d\u00f9ng. Tuy v\u1eady, c\u00f3 th\u1ec3 th\u1ea5y \u0111\u1ed9ng th\u00e1i nh\u1eafc nh\u1edf c\u1ee7a NHNN l\u00e0 c\u1ea7n thi\u1ebft \u0111\u1ec3 d\u00f2ng ch\u1ea3y t\u00edn d\u1ee5ng \u0111\u01b0\u1ee3c ki\u1ec3m so\u00e1t t\u1ed1t h\u01a1n&#8221; &#8211; TS C\u1ea5n V\u0103n L\u1ef1c n\u00f3i.T\u1ed5ng gi\u00e1m \u0111\u1ed1c m\u1ed9t NH c\u1ed5 ph\u1ea7n quy m\u00f4 nh\u1ecf t\u1ea1i TP HCM nh\u1eadn x\u00e9t vi\u1ec7c NHNN \u0111\u01b0a ra c\u1ea3nh b\u00e1o n\u00f3i tr\u00ean l\u00e0 c\u1ea7n thi\u1ebft, tr\u00e1nh tr\u01b0\u1eddng h\u1ee3p c\u1ea7m c\u1ed1 s\u1ed5 ti\u1ebft ki\u1ec7m r\u1ed3i s\u1eed d\u1ee5ng v\u1ed1n vay sai m\u1ee5c \u0111\u00edch. V\u1ecb n\u00e0y chia s\u1ebb \u1edf NH \u00f4ng cho vay c\u1ea7m c\u1ed1 kh\u00f4ng ch\u1ec9 v\u1edbi kh\u00e1ch h\u00e0ng c\u00e1 nh\u00e2n g\u1eedi ti\u1ebft ki\u1ec7m kho\u1ea3n nh\u1ecf, m\u00e0 nhi\u1ec1u kh\u00e1ch h\u00e0ng g\u1eedi 10-20 t\u1ec9 \u0111\u1ed3ng mu\u1ed1n vay c\u1ea7m c\u1ed1 \u0111\u1ec3 kinh doanh, \u0111\u1ea7u t\u01b0, s\u1ea3n xu\u1ea5t, mua b\u00e1n b\u1ea5t \u0111\u1ed9ng s\u1ea3n\u2026 \u0111\u1ec1u ph\u1ea3i ch\u1ee9ng minh ph\u01b0\u01a1ng \u00e1n vay v\u1ed1n.\u00cdt ng\u01b0\u1eddi d\u00f9ng v\u1ed1n vay mua tr\u00e1i phi\u1ebfuV\u1ec1 \u00fd ki\u1ebfn c\u00f3 kh\u00e1ch h\u00e0ng vay c\u1ea7m c\u1ed1 s\u1ed5 ti\u1ebft ki\u1ec7m \u0111\u1ec3 \u0111\u1ea7u t\u01b0 tr\u00e1i phi\u1ebfu doanh nghi\u1ec7p, l\u00e3nh \u0111\u1ea1o c\u00e1c NH cho hay nh\u00f3m n\u00e0y kh\u00f4ng \u0111\u00e1ng k\u1ec3, b\u1edfi kh\u00f4ng ph\u1ea3i doanh nghi\u1ec7p n\u00e0o c\u0169ng \u0111\u01b0\u1ee3c ph\u00e1t h\u00e0nh tr\u00e1i phi\u1ebfu v\u1edbi l\u00e3i su\u1ea5t cao. \u0110\u1ed3ng th\u1eddi, v\u1edbi nh\u1eefng kho\u1ea3n vay l\u1edbn c\u1ea7m c\u1ed1 t\u1eeb s\u1ed5 ti\u1ebft ki\u1ec7m, NH th\u01b0\u01a1ng m\u1ea1i \u0111\u1ec1u y\u00eau c\u1ea7u kh\u00e1ch h\u00e0ng ph\u1ea3i \u0111\u01b0a ra ph\u01b0\u01a1ng \u00e1n t\u00e0i ch\u00ednh h\u1ee3p l\u00fd m\u1edbi gi\u1ea3i ng\u00e2n&#8230;<br \/>\n<br \/><a href=\"http:\/\/cafef.vn\/vi-sao-lai-siet-cam-co-so-tiet-kiem-20190914072413218.chn\" rel=\"nofollow\">Source link <\/a><\/p>\n","protected":false},"excerpt":{"rendered":"<p>&#13; Nhi\u1ec1u n\u0103m qua, cho vay c\u1ea7m c\u1ed1 b\u1eb1ng s\u1ed5 ti\u1ebft ki\u1ec7m l\u00e0 m\u1ed9t nghi\u1ec7p v\u1ee5 kh\u00e1 ph\u1ed5 bi\u1ebfn, \u0111\u01b0\u1ee3c nhi\u1ec1u ng\u00e2n h\u00e0ng (NH) th\u01b0\u01a1ng m\u1ea1i tri\u1ec3n khai nh\u1eb1m t\u1ea1o thu\u1eadn l\u1ee3i cho kh\u00e1ch h\u00e0ng.X\u1eed l\u00fd nghi\u00eam n\u1ebfu c\u1ed1 t\u00ecnh vi ph\u1ea1mTheo \u0111\u00f3, s\u1ed5 ti\u1ebft ki\u1ec7m c\u00f3 th\u1ec3 \u0111\u01b0\u1ee3c d\u00f9ng l\u00e0m t\u00e0i s\u1ea3n b\u1ea3o \u0111\u1ea3m [&hellip;]<\/p>\n","protected":false},"author":2,"featured_media":8723,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[1],"tags":[],"class_list":["post-8722","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 l\u1ea1i si\u1ebft c\u1ea7m c\u1ed1 s\u1ed5 ti\u1ebft ki\u1ec7m? 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