{"id":13531,"date":"2017-08-15T17:10:59","date_gmt":"2017-08-15T10:10:59","guid":{"rendered":"https:\/\/thitruongsi.com\/kinh-nghiem\/?p=13531"},"modified":"2017-08-15T17:10:59","modified_gmt":"2017-08-15T10:10:59","slug":"rao-can-giam-lai-suat-cho-vay","status":"publish","type":"post","link":"https:\/\/thitruongsi.com\/kinh-nghiem\/rao-can-giam-lai-suat-cho-vay\/","title":{"rendered":"R\u00e0o c\u1ea3n gi\u1ea3m l\u00e3i su\u1ea5t cho vay"},"content":{"rendered":"

Theo m\u1ed9t s\u1ed1 nh\u1eadn \u0111\u1ecbnh, vi\u1ec7c gi\u1ea3m l\u00e3i su\u1ea5t cho vay \u0111ang c\u00f3 nhi\u1ec1u y\u1ebfu t\u1ed1 thu\u1eadn l\u1ee3i h\u1ed7 tr\u1ee3. Tuy nhi\u00ean, TS. Nguy\u1ec5n Tr\u00ed Hi\u1ebfu, chuy\u00ean gia t\u00e0i ch\u00ednh – ng\u00e2n h\u00e0ng ph\u00e2n t\u00edch, vi\u1ec7c gi\u1ea3m l\u00e3i su\u1ea5t cho vay c\u00f2n ch\u1ecbu nhi\u1ec1u l\u1ef1c c\u1ea3n, v\u00e0 c\u00f3 th\u1ec3 ch\u1ec9 gi\u1ea3m \u0111\u01b0\u1ee3c \u1edf m\u1ed9t s\u1ed1 ng\u00e2n h\u00e0ng l\u1edbn.<\/strong><\/p>\n

C\u00e1c ng\u00e2n h\u00e0ng hi\u1ec7n t\u1ea1i \u0111ang r\u1ea5t n\u1ed7 l\u1ef1c th\u1ef1c hi\u1ec7n ch\u1ee7 tr\u01b0\u01a1ng c\u1ee7a Ch\u00ednh ph\u1ee7 l\u00e0 gi\u1ea3m l\u00e3i su\u1ea5t cho vay. Th\u1ef1c t\u1ebf, Ng\u00e2n h\u00e0ng Nh\u00e0 n\u01b0\u1edbc (NHNN) \u0111\u00e3 h\u1ea1 l\u00e3i su\u1ea5t \u0111i\u1ec1u h\u00e0nh, tr\u1ea7n l\u00e3i su\u1ea5t cho vay ng\u1eafn h\u1ea1n c\u0169ng \u0111\u01b0\u1ee3c NHNN \u0111i\u1ec1u ch\u1ec9nh gi\u1ea3m \u0111\u1ed1i v\u1edbi c\u00e1c l\u0129nh v\u1ef1c \u01b0u ti\u00ean. C\u00e1c ng\u00e2n h\u00e0ng th\u01b0\u01a1ng m\u1ea1i \u0111\u00e3 gi\u1ea3m v\u00e0 \u0111ang ti\u1ebfp t\u1ee5c c\u1ed1 g\u1eafng gi\u1ea3m l\u00e3i su\u1ea5t cho vay v\u1edbi 5 l\u0129nh v\u1ef1c \u01b0u ti\u00ean. B\u00e1o c\u00e1o g\u1ea7n \u0111\u00e2y c\u1ee7a \u1ee6y ban Gi\u00e1m s\u00e1t t\u00e0i ch\u00ednh qu\u1ed1c gia c\u0169ng cho th\u1ea5y nhi\u1ec1u y\u1ebfu t\u1ed1 h\u1ed7 tr\u1ee3 vi\u1ec7c gi\u1ea3m l\u00e3i su\u1ea5t trong c\u00e1c th\u00e1ng cu\u1ed1i n\u0103m, nh\u01b0 l\u1ea1m ph\u00e1t c\u00f3 th\u1ec3 th\u1ea5p h\u01a1n k\u1ebf ho\u1ea1ch, ph\u00e1t h\u00e0nh tr\u00e1i phi\u1ebfu ch\u00ednh ph\u1ee7 kh\u00f4ng c\u00f2n nhi\u1ec1u \u00e1p l\u1ef1c v\u00e0 s\u1ef1 quy\u1ebft li\u1ec7t c\u1ee7a Ch\u00ednh ph\u1ee7, NHNN ph\u1ea5n \u0111\u1ea5u ti\u1ebfp t\u1ee5c gi\u1ea3m l\u00e3i su\u1ea5t.<\/p>\n

Tuy nhi\u00ean, theo chuy\u00ean gia t\u00e0i ch\u00ednh – ng\u00e2n h\u00e0ng Nguy\u1ec5n Tr\u00ed Hi\u1ebfu, d\u00f9 c\u00f3 nhi\u1ec1u y\u1ebfu t\u1ed1 thu\u1eadn l\u1ee3i, nh\u01b0ng c\u0169ng c\u00f2n c\u00f3 m\u1ed9t s\u1ed1 r\u00e0o c\u1ea3n c\u00f3 th\u1ec3 c\u1ea3n tr\u1edf ng\u00e2n h\u00e0ng cho vay v\u1edbi l\u00e3i su\u1ea5t th\u1ea5p. Th\u1ee9 nh\u1ea5t, tr\u00ean quan \u0111i\u1ec3m qu\u1ea3n tr\u1ecb r\u1ee7i ro, l\u00e3i su\u1ea5t th\u1ea5p ph\u1ea3i \u0111\u1ed3ng ngh\u0129a v\u1edbi r\u1ee7i ro gi\u1ea3m, mu\u1ed1n l\u00e3i su\u1ea5t gi\u1ea3m th\u00ec r\u1ee7i ro ph\u1ea3i gi\u1ea3m. Nh\u01b0ng r\u1ee7i ro cho n\u1ec1n kinh t\u1ebf c\u00f3 l\u1ebd ch\u01b0a gi\u1ea3m, v\u00ec r\u1ea5t nhi\u1ec1u doanh nghi\u1ec7p, \u0111\u1eb7c bi\u1ec7t l\u00e0 doanh nghi\u1ec7p nh\u1ecf v\u00e0 v\u1eeba (DNNVV), v\u1eabn ch\u01b0a c\u1ea3i thi\u1ec7n nhi\u1ec1u v\u1ec1 n\u0103ng l\u1ef1c t\u00e0i ch\u00ednh v\u00e0 kh\u00f4ng c\u00f3 t\u00e0i s\u1ea3n th\u1ebf ch\u1ea5p nhi\u1ec1u. R\u1ee7i ro ch\u01b0a gi\u1ea3m \u0111\u00e1ng k\u1ec3 \u0111\u1ec3 c\u00e1c ng\u00e2n h\u00e0ng gi\u1ea3m l\u00e3i su\u1ea5t.<\/p>\n

Th\u1ee9 hai, \u0111\u1ec3 gi\u1ea3m l\u00e3i su\u1ea5t cho vay, l\u00e3i su\u1ea5t huy \u0111\u1ed9ng c\u0169ng ph\u1ea3i gi\u1ea3m, nh\u01b0ng t\u1ea1i th\u1eddi \u0111i\u1ec3m n\u00e0y ch\u1ec9 c\u00f3 nh\u1eefng ng\u00e2n h\u00e0ng l\u1edbn c\u00f3 th\u1ec3 gi\u1ea3m l\u00e3i su\u1ea5t huy \u0111\u1ed9ng, c\u00f2n ng\u00e2n h\u00e0ng nh\u1ecf r\u1ea5t kh\u00f3 gi\u1ea3m v\u00ec s\u1ebd b\u1ecb m\u1ea5t kh\u00e1ch h\u00e0ng.<\/p>\n

\u0110\u1eb7c bi\u1ec7t, t\u1eeb 15\/8, th\u1ef1c hi\u1ec7n Ngh\u1ecb quy\u1ebft s\u1ed1 42\/2017\/QH14 v\u1ec1 th\u00ed \u0111i\u1ec3m x\u1eed l\u00fd n\u1ee3 x\u1ea5u c\u1ee7a c\u00e1c t\u1ed5 ch\u1ee9c t\u00edn d\u1ee5ng, vi\u1ec7c x\u1eed l\u00fd n\u1ee3 x\u1ea5u s\u1ebd t\u1ea1o ra chi ph\u00ed cho c\u00e1c ng\u00e2n h\u00e0ng, c\u00f3 th\u1ec3 l\u00e0m t\u0103ng chi ph\u00ed ho\u1ea1t \u0111\u1ed9ng cho ng\u00e2n h\u00e0ng. Khi chi ph\u00ed t\u0103ng, ng\u00e2n h\u00e0ng s\u1ebd kh\u00f3 gi\u1ea3m l\u00e3i su\u1ea5t cho vay.<\/p>\n

\u201cC\u00e1c ng\u00e2n h\u00e0ng \u0111\u1ec1u c\u1ed1 g\u1eafng gi\u1ea3m l\u00e3i su\u1ea5t cho vay, nh\u01b0ng c\u00f2n \u1edf trong ch\u1eebng m\u1ef1c t\u01b0\u01a1ng \u0111\u1ed1i h\u1ea1n ch\u1ebf. T\u1eeb \u0111\u00e2y \u0111\u1ebfn cu\u1ed1i n\u0103m, l\u00e3i su\u1ea5t cho vay c\u00f3 th\u1ec3 di\u1ec5n bi\u1ebfn theo h\u01b0\u1edbng \u1ed5n \u0111\u1ecbnh, n\u1ebfu c\u00f3 gi\u1ea3m th\u00ec ch\u1ec9 \u1edf nh\u1eefng ng\u00e2n h\u00e0ng l\u1edbn, v\u1edbi to\u00e0n h\u1ec7 th\u1ed1ng c\u00f2n ph\u1ea3i ph\u1ee5 thu\u1ed9c v\u00e0o nhi\u1ec1u y\u1ebfu t\u1ed1\u201d, chuy\u00ean gia Nguy\u1ec5n Tr\u00ed Hi\u1ebfu nh\u1eadn \u0111\u1ecbnh.<\/p>\n

N\u00f3i ri\u00eang v\u1ec1 l\u00e3i su\u1ea5t cho vay \u0111\u1ed1i v\u1edbi khu v\u1ef1c DNNVV, \u00f4ng Nguy\u1ec5n Tr\u00ed Hi\u1ebfu cho r\u1eb1ng, ng\u00e2n h\u00e0ng \u0111\u01b0\u01a1ng nhi\u00ean mu\u1ed1n gi\u1ea3m l\u00e3i su\u1ea5t cho doanh nghi\u1ec7p, v\u00ec kh\u00e1ch h\u00e0ng ho\u1ea1t \u0111\u1ed9ng m\u1ea1nh c\u0169ng l\u00e0 t\u1ed1t cho ng\u00e2n h\u00e0ng, t\u1ea1o \u0111i\u1ec1u ki\u1ec7n cho kh\u1ea3 n\u0103ng sinh l\u1eddi c\u1ee7a ch\u00ednh ng\u00e2n h\u00e0ng. Nh\u01b0ng ng\u00e2n h\u00e0ng c\u0169ng ph\u1ea3i xem x\u00e9t b\u00e0i to\u00e1n r\u1ee7i ro, r\u1ee7i ro cho vay \u0111\u1ed1i v\u1edbi DNNVV hi\u1ec7n v\u1eabn l\u1edbn, v\u00ec c\u00e1c doanh nghi\u1ec7p n\u00e0y l\u00e0 \u0111\u1ed1i t\u01b0\u1ee3ng d\u1ec5 b\u1ecb t\u1ed5n th\u01b0\u01a1ng t\u1eeb m\u00f4i tr\u01b0\u1eddng kinh doanh, n\u0103ng l\u1ef1c t\u00e0i ch\u00ednh k\u00e9m, kh\u00f4ng c\u00f3 t\u00e0i s\u1ea3n b\u1ea3o \u0111\u1ea3m, ngu\u1ed3n tr\u1ea3 n\u1ee3 r\u1ea5t y\u1ebfu. Theo \u00f4ng Hi\u1ebfu, ng\u00e2n h\u00e0ng ph\u1ea3i c\u00e2n b\u1eb1ng gi\u1eefa \u201ckh\u1ea9u v\u1ecb\u201d r\u1ee7i ro c\u1ee7a m\u00ecnh nh\u01b0 th\u1ebf n\u00e0o v\u00e0 vi\u1ec7c cho DNNVV vay, b\u1edfi n\u1ee3 x\u1ea5u v\u1eabn l\u00e0 d\u1ea5u v\u1ebft \u0111au \u0111\u1edbn cho c\u00e1c ng\u00e2n h\u00e0ng. Ng\u00e2n h\u00e0ng \u0111\u1ee9ng gi\u1eefa hai \u0111\u1ed1i tr\u1ecdng, m\u1ed9t m\u1eb7t h\u1ed7 tr\u1ee3 doanh nghi\u1ec7p m\u1ed9t m\u1eb7t qu\u1ea3n l\u00fd r\u1ee7i ro.<\/p>\n

Chuy\u00ean gia n\u00e0y cho r\u1eb1ng, b\u00e0i to\u00e1n h\u1ed7 tr\u1ee3 ti\u1ebfp c\u1eadn t\u00edn d\u1ee5ng cho DNNVV c\u1ea7n l\u1eddi gi\u1ea3i t\u1eeb nhi\u1ec1u b\u00ean, Ch\u00ednh ph\u1ee7 – ng\u00e2n h\u00e0ng – kh\u00e1ch h\u00e0ng (doanh nghi\u1ec7p). Ch\u00ednh c\u00e1c doanh nghi\u1ec7p ph\u1ea3i c\u1ea3i ti\u1ebfn \u0111\u01b0\u1ee3c t\u00ecnh h\u00ecnh t\u00e0i ch\u00ednh, ch\u1ee9ng minh \u0111\u01b0\u1ee3c ngu\u1ed3n tr\u1ea3 n\u1ee3. Ch\u00ednh ph\u1ee7 ph\u1ea3i c\u1ea3i thi\u1ec7n m\u00f4i tr\u01b0\u1eddng \u0111\u1ea7u t\u01b0 kinh doanh, c\u00f3 th\u1ec3 ch\u1ebf ph\u00f9 h\u1ee3p \u0111\u1ed1i v\u1edbi khu v\u1ef1c DNNVV, v\u00e0 ng\u00e2n h\u00e0ng c\u0169ng c\u1ea7n r\u1ed9ng tay h\u01a1n n\u1eefa, \u0111\u1ed1i x\u1eed c\u00f4ng b\u1eb1ng v\u1edbi c\u00e1c kh\u00e1ch h\u00e0ng \u201cnh\u1ecf\u201d n\u00e0y.<\/p>\n","protected":false},"excerpt":{"rendered":"

Theo m\u1ed9t s\u1ed1 nh\u1eadn \u0111\u1ecbnh, vi\u1ec7c gi\u1ea3m l\u00e3i su\u1ea5t cho vay \u0111ang c\u00f3 nhi\u1ec1u y\u1ebfu t\u1ed1 thu\u1eadn l\u1ee3i h\u1ed7 tr\u1ee3. Tuy nhi\u00ean, TS. Nguy\u1ec5n Tr\u00ed Hi\u1ebfu, chuy\u00ean gia t\u00e0i ch\u00ednh – ng\u00e2n h\u00e0ng ph\u00e2n t\u00edch, vi\u1ec7c gi\u1ea3m l\u00e3i su\u1ea5t cho vay c\u00f2n ch\u1ecbu nhi\u1ec1u l\u1ef1c c\u1ea3n, v\u00e0 c\u00f3 th\u1ec3 ch\u1ec9 gi\u1ea3m \u0111\u01b0\u1ee3c \u1edf m\u1ed9t s\u1ed1 …<\/p>\n","protected":false},"author":4,"featured_media":13532,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[46,50,68,52],"tags":[],"class_list":["post-13531","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-ban-le","category-kinh-doanh","category-tai-chinh-quan-ly","category-thi-truong-ban-le"],"yoast_head":"\nR\u00e0o c\u1ea3n gi\u1ea3m l\u00e3i su\u1ea5t cho vay - Th\u1ecb Tr\u01b0\u1eddng S\u1ec9 Blog<\/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:\/\/thitruongsi.com\/kinh-nghiem\/rao-can-giam-lai-suat-cho-vay\/\" \/>\n<meta property=\"og:locale\" content=\"vi_VN\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"R\u00e0o c\u1ea3n gi\u1ea3m l\u00e3i su\u1ea5t cho vay - Th\u1ecb Tr\u01b0\u1eddng S\u1ec9 Blog\" \/>\n<meta property=\"og:description\" content=\"Theo m\u1ed9t s\u1ed1 nh\u1eadn \u0111\u1ecbnh, vi\u1ec7c gi\u1ea3m l\u00e3i su\u1ea5t cho vay \u0111ang c\u00f3 nhi\u1ec1u y\u1ebfu t\u1ed1 thu\u1eadn l\u1ee3i h\u1ed7 tr\u1ee3. 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