{"id":18429,"date":"2010-12-16T09:10:38","date_gmt":"2010-12-16T09:10:38","guid":{"rendered":""},"modified":"2010-12-16T09:10:38","modified_gmt":"2010-12-16T09:10:38","slug":"binh-on-thi-truong-tien-te","status":"publish","type":"post","link":"https:\/\/dntieubieuna.vn\/?p=18429","title":{"rendered":"B\u00ecnh \u1ed5n th\u1ecb tr\u01b0\u1eddng ti\u1ec1n t\u1ec7"},"content":{"rendered":"

Quy\u1ebft \u0111\u1ecbnh c\u1ee7a Ng\u00e2n h\u00e0ng Nh\u00e0 n\u01b0\u1edbc (NHNN) y\u00eau c\u1ea7u c\u00e1c t\u1ed5 ch\u1ee9c t\u00edn d\u1ee5ng (TCTD) \u1ea5n \u0111\u1ecbnh l\u00e3i su\u1ea5t huy \u0111\u1ed9ng (LSH\u0110) v\u1ed1n b\u1eb1ng \u0111\u1ed3ng Vi\u1ec7t Nam – VND, g\u1ed3m c\u1ea3 kho\u1ea3n chi khuy\u1ebfn m\u00e3i d\u01b0\u1edbi m\u1ecdi h\u00ecnh th\u1ee9c, kh\u00f4ng v\u01b0\u1ee3t qu\u00e1 14%\/n\u0103m, \u0111\u00e3 h\u1ea1 nhi\u1ec7t cu\u1ed9c \u0111ua t\u0103ng l\u00e3i su\u1ea5t.

<\/STRONG>Ngay sau khi c\u00f3 ch\u1ec9 \u0111\u1ea1o c\u1ee7a NHNN, \u0111\u1ea1i di\u1ec7n h\u01a1n 50 ng\u00e2n h\u00e0ng th\u01b0\u01a1ng m\u1ea1i (NHTM) tr\u00ean c\u1ea3 n\u01b0\u1edbc \u0111\u00e3 h\u1ecdp v\u1edbi NHNN v\u00e0 Hi\u1ec7p h\u1ed9i Ng\u00e2n h\u00e0ng Vi\u1ec7t Nam, th\u1ed1ng nh\u1ea5t \u0111\u1ed3ng thu\u1eadn th\u1ef1c hi\u1ec7n LSH\u0110 kh\u00f4ng v\u01b0\u1ee3t qu\u00e1 14%\/n\u0103m nh\u1eb1m b\u1ea3o \u0111\u1ea3m LS cho vay kh\u00f4ng b\u1ecb \u0111\u1ea9y l\u00ean qu\u00e1 cao, \u1ea3nh h\u01b0\u1edfng t\u1edbi s\u1ea3n xu\u1ea5t, kinh doanh v\u00e0 t\u1ed1c \u0111\u1ed9 t\u0103ng tr\u01b0\u1edfng kinh t\u1ebf.
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\u0110\u1ed3ng thu\u1eadn gi\u1ea3m l\u00e3i su\u1ea5t<\/FONT><\/STRONG>
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Ngay sau khi c\u00f3 quy\u1ebft \u0111\u1ecbnh c\u1ee7a NHNN, ng\u00e0y 15-12, nhi\u1ec1u NHTM \u0111\u00e3 c\u00f4ng b\u1ed1 \u0111i\u1ec1u ch\u1ec9nh LSH\u0110 xu\u1ed1ng m\u1ee9c cao nh\u1ea5t l\u00e0 14%\/n\u0103m. Ng\u00e2n h\u00e0ng \u0110\u1ea1i \u00c1 (DaiABank) cho bi\u1ebft, t\u1eeb ng\u00e0y 15-12 \u00e1p d\u1ee5ng khung LSH\u0110 VND m\u1edbi l\u00e0 14%\/n\u0103m \u1edf c\u00e1c k\u1ef3 h\u1ea1n 1, 2 v\u00e0 3 th\u00e1ng; k\u1ef3 h\u1ea1n 6, 9 v\u00e0 12 th\u00e1ng, l\u00e3i su\u1ea5t 13,5%\/n\u0103m. Bi\u1ec3u l\u00e3i su\u1ea5t n\u00e0y \u00e1p d\u1ee5ng cho s\u1ea3n ph\u1ea9m “Ti\u1ec1n g\u1eedi ti\u1ebft ki\u1ec7m si\u00eau linh ho\u1ea1t”; khi tham gia, l\u00e3i su\u1ea5t ti\u1ec1n g\u1eedi c\u1ee7a kh\u00e1ch h\u00e0ng \u0111\u01b0\u1ee3c th\u1ea3 n\u1ed5i theo th\u1ecb tr\u01b0\u1eddng (\u0111i\u1ec1u ch\u1ec9nh v\u00e0o m\u1ed7i k\u1ef3 l\u0129nh l\u00e3i). Kh\u00e1ch h\u00e0ng \u0111\u01b0\u1ee3c t\u1ea5t to\u00e1n tr\u01b0\u1edbc h\u1ea1n v\u00e0 kh\u00f4ng ph\u1ea3i tr\u1ea3 l\u1ea1i ti\u1ec1n l\u00e3i \u0111\u00e3 l\u0129nh.

Ng\u00e2n h\u00e0ng TMCP \u0110\u00f4ng Nam \u00c1 (SeABank) \u0111i\u1ec1u ch\u1ec9nh LSH\u0110 VND d\u00e0nh cho kh\u00e1ch h\u00e0ng c\u00e1 nh\u00e2n t\u1ea1i c\u00e1c \u0111i\u1ec3m giao d\u1ecbch v\u1edbi m\u1ee9c cao nh\u1ea5t l\u00e0 14%\/n\u0103m. C\u1ee5 th\u1ec3, LSH\u0110 cao nh\u1ea5t 14%\/n\u0103m \u00e1p d\u1ee5ng cho s\u1ea3n ph\u1ea9m Ti\u1ebft ki\u1ec7m 36 th\u00e1ng l\u00e3i su\u1ea5t th\u1ea3 n\u1ed5i. LSH\u0110 ti\u1ebft ki\u1ec7m b\u1eadc thang VND \u00e1p d\u1ee5ng chung cho s\u1ed1 ti\u1ec1n g\u1eedi t\u1eeb 100 tri\u1ec7u \u0111\u1ed3ng \u0111\u1ebfn tr\u00ean 2 t\u1ef7 \u0111\u1ed3ng, t\u00f9y k\u1ef3 h\u1ea1n: 1 th\u00e1ng (13,00%\/n\u0103m), 2 th\u00e1ng (13,10%\/n\u0103m), 3 th\u00e1ng (13,20%\/n\u0103m), 6 \u0111\u1ebfn 9 th\u00e1ng (13,30%\/n\u0103m), 12 v\u00e0 13 th\u00e1ng (13,50%\/n\u0103m)…

T\u1eeb ng\u00e0y 15-12, Ng\u00e2n h\u00e0ng Li\u00ean Vi\u1ec7t (LienVietBank), th\u1ef1c hi\u1ec7n LSH\u0110 c\u00e1c k\u1ef3 h\u1ea1n theo m\u1ee9c cao nh\u1ea5t l\u00e0 14%\/n\u0103m, k\u1ec3 c\u1ea3 c\u00e1c kho\u1ea3n chi cho khuy\u1ebfn m\u00e3i d\u01b0\u1edbi m\u1ecdi h\u00ecnh th\u1ee9c nh\u1eb1m g\u00f3p ph\u1ea7n b\u00ecnh \u1ed5n th\u1ecb tr\u01b0\u1eddng ti\u1ec1n t\u1ec7. C\u00e1c k\u1ef3 h\u1ea1n 4 th\u00e1ng, 5 th\u00e1ng l\u00e0 13,2%\/n\u0103m, 9 th\u00e1ng l\u00e0 13,5%\/n\u0103m…

Nh\u1eadn x\u00e9t v\u1ec1 vi\u1ec7c NHNN \u1ea5n \u0111\u1ecbnh LSH\u0110, TS Nguy\u1ec5n \u0110\u1ee9c H\u01b0\u1edfng, Ph\u00f3 Ch\u1ee7 t\u1ecbch Th\u01b0\u1eddng tr\u1ef1c Ng\u00e2n h\u00e0ng Li\u00ean Vi\u1ec7t cho bi\u1ebft, vi\u1ec7c Th\u1ed1ng \u0111\u1ed1c NHNN quy \u0111\u1ecbnh m\u1ee9c LSH\u0110 t\u1ed1i \u0111a 14%\/n\u0103m l\u00e0 ph\u00f9 h\u1ee3p v\u1edbi th\u1ecb tr\u01b0\u1eddng v\u00e0 b\u1ea3o \u0111\u1ea3m nguy\u00ean t\u1eafc l\u00e3i su\u1ea5t d\u01b0\u01a1ng. Th\u1eddi gian g\u1ea7n \u0111\u00e2y, LSH\u0110 \u0111\u1ea9y t\u1edbi g\u1ea7n 20%\/n\u0103m l\u00e0 hi\u1ec7n t\u01b0\u1ee3ng b\u1ea5t th\u01b0\u1eddng, g\u00e2y b\u1ea5t l\u1ee3i cho DN v\u00e0 kh\u00e1ch h\u00e0ng, c\u00f3 h\u1ea1i cho n\u1ec1n kinh t\u1ebf. B\u1ea3n th\u00e2n NHTM c\u0169ng r\u01a1i v\u00e0o t\u00ecnh tr\u1ea1ng “l\u00e3i gi\u1ea3 l\u1ed7 th\u1eadt”, b\u1edfi khi l\u00e3i su\u1ea5t qu\u00e1 cao, kh\u00e1ch h\u00e0ng s\u1ebd kh\u00f4ng c\u00f3 kh\u1ea3 n\u0103ng tr\u1ea3 n\u1ee3.

Th\u1ecb tr\u01b0\u1eddng s\u1ebd h\u1ea1 nhi\u1ec7t <\/STRONG>

Theo TS Nguy\u1ec5n Tr\u00ed Hi\u1ebfu, th\u00e0nh vi\u00ean H\u0110QT Ng\u00e2n h\u00e0ng An B\u00ecnh (ABBank), cu\u1ed9c \u0111ua l\u00e3i su\u1ea5t di\u1ec5n ra b\u1edfi c\u00e1c ng\u00e2n h\u00e0ng v\u1eabn lu\u00f4n ph\u1ea3i “d\u00f2 t\u00ecm” m\u1ee9c l\u00e3i su\u1ea5t th\u1ef1c \u0111\u1ec3 \u0111i\u1ec1u ch\u1ec9nh cho ph\u00f9 h\u1ee3p nh\u1eb1m gi\u1eef kh\u00e1ch. \u00c1p l\u1ef1c t\u0103ng v\u1ed1n l\u00ean 3.000 t\u1ef7 \u0111\u1ed3ng c\u00f9ng nhu c\u1ea7u thanh kho\u1ea3n cu\u1ed1i n\u0103m l\u00ean cao \u0111\u00e3 khi\u1ebfn nhu c\u1ea7u v\u1ed1n c\u1ee7a NHTM b\u01b0\u1edbc v\u00e0o giai \u0111o\u1ea1n n\u01b0\u1edbc r\u00fat. N\u1ebfu kh\u00f4ng c\u00f3 ch\u00ednh s\u00e1ch h\u1ee3p l\u00fd, th\u1ecb tr\u01b0\u1eddng l\u00e3i su\u1ea5t s\u1ebd c\u00f2n nhi\u1ec1u “s\u00f3ng gi\u00f3”.

\u0110\u1ec3 gi\u1ea3m \u00e1p l\u1ef1c t\u0103ng v\u1ed1n cho NHTM, Th\u1ee7 t\u01b0\u1edbng Ch\u00ednh ph\u1ee7 \u0111\u00e3 ch\u1ec9 \u0111\u1ea1o v\u00e0 giao NHNN ph\u1ed1i h\u1ee3p v\u1edbi c\u00e1c c\u01a1 quan li\u00ean quan s\u1eeda \u0111\u1ed5i, b\u1ed5 sung Ngh\u1ecb \u0111\u1ecbnh 141\/N\u0110-CP theo h\u01b0\u1edbng gia h\u1ea1n th\u1eddi gian t\u0103ng v\u1ed1n \u0111i\u1ec1u l\u1ec7 cho c\u00e1c TCTD \u0111\u1ebfn ng\u00e0y 31-12-2011. Ch\u1ec9 \u0111\u1ea1o k\u1ecbp th\u1eddi c\u1ee7a NHNN v\u1ec1 vi\u1ec7c y\u00eau c\u1ea7u TCTD \u1ea5n \u0111\u1ecbnh LSH\u0110 v\u1ed1n b\u1eb1ng VND (g\u1ed3m c\u1ea3 kho\u1ea3n chi khuy\u1ebfn m\u00e3i d\u01b0\u1edbi m\u1ecdi h\u00ecnh th\u1ee9c) kh\u00f4ng v\u01b0\u1ee3t qu\u00e1 14%\/n\u0103m, th\u1ef1c hi\u1ec7n t\u1eeb ng\u00e0y 15-12-2010 \u0111\u00e3 k\u1ecbp th\u1eddi ng\u0103n ch\u1eb7n cu\u1ed9c \u0111ua t\u0103ng l\u00e3i su\u1ea5t.

Nh\u1eefng th\u00e1ng cu\u1ed1i n\u0103m v\u00e0 d\u1ecbp T\u1ebft Nguy\u00ean \u0111\u00e1n l\u00e0 th\u1eddi \u0111i\u1ec3m ng\u00e2n h\u00e0ng khan hi\u1ebfm ti\u1ec1n m\u1eb7t do nhu c\u1ea7u ti\u00eau d\u00f9ng t\u0103ng cao, c\u0169ng l\u00e0 th\u1eddi \u0111i\u1ec3m DN c\u1ea7n ti\u1ec1n \u0111\u1ec3 chi l\u01b0\u01a1ng, th\u01b0\u1edfng, n\u00ean LSH\u0110 th\u01b0\u1eddng cao h\u01a1n so v\u1edbi c\u00e1c th\u1eddi \u0111i\u1ec3m kh\u00e1c. C\u00e1c chuy\u00ean gia kinh t\u1ebf cho r\u1eb1ng, n\u1ebfu l\u1ea1m ph\u00e1t c\u1ea3 n\u0103m 2010 \u1edf m\u1ee9c 11% th\u00ec m\u1ee9c LS huy \u0111\u1ed9ng 14-15%\/n\u0103m l\u00e0 ph\u00f9 h\u1ee3p, \u0111\u1ee7 \u0111\u1ec3 thu h\u00fat kh\u00e1ch h\u00e0ng g\u1eedi ti\u1ec1n v\u00e0 gi\u00fap NH gi\u1ea3i quy\u1ebft b\u00e0i to\u00e1n thanh kho\u1ea3n cu\u1ed1i n\u0103m. Song n\u1ebfu duy tr\u00ec LSH\u0110 \u1edf m\u1ee9c cao, v\u1ec1 l\u00e2u d\u00e0i s\u1ebd b\u1ea5t l\u1ee3i cho h\u1ec7 th\u1ed1ng ng\u00e2n h\u00e0ng, DN v\u00e0 l\u00e0m h\u1ea1n ch\u1ebf t\u1ed1c \u0111\u1ed9 t\u0103ng tr\u01b0\u1edfng kinh t\u1ebf.

Theo c\u00e1c chuy\u00ean gia kinh t\u1ebf, sau qu\u00fd I-2011, LSH\u0110 t\u1ea1i NHTM s\u1ebd gi\u1ea3m d\u1ea7n, kh\u00f4ng \u1edf m\u1ee9c nh\u01b0 hi\u1ec7n nay. B\u1edfi sau qu\u00fd I, khi t\u00ecnh h\u00ecnh kinh t\u1ebf v\u0129 m\u00f4 \u1ed5n \u0111\u1ecbnh, l\u1ea1m ph\u00e1t \u0111\u01b0\u1ee3c ki\u1ec3m so\u00e1t, c\u00e1c lu\u1ed3ng v\u1ed1n \u0111\u1ea7u t\u01b0 n\u01b0\u1edbc ngo\u00e0i \u0111\u1ed5 v\u00e0o, l\u00e3i su\u1ea5t s\u1ebd theo t\u00edn hi\u1ec7u th\u1ecb tr\u01b0\u1eddng v\u00e0 gi\u1ea3m \u1edf m\u1ee9c ph\u00f9 h\u1ee3p.
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NHNN v\u1eeba c\u00f3 v\u0103n b\u1ea3n nghi\u00eam kh\u1eafc c\u1ea3nh c\u00e1o Ch\u1ee7 t\u1ecbch H\u1ed9i \u0111\u1ed3ng Qu\u1ea3n tr\u1ecb v\u00e0 T\u1ed5ng Gi\u00e1m \u0111\u1ed1c Ng\u00e2n h\u00e0ng TMCP K\u1ef9 th\u01b0\u01a1ng Vi\u1ec7t Nam (Techcombank) v\u00ec \u0111\u00e3 l\u00e0m \u1ea3nh h\u01b0\u1edfng \u0111\u1ebfn th\u1ecb tr\u01b0\u1eddng l\u00e3i su\u1ea5t v\u00e0 g\u00e2y m\u1ea5t \u1ed5n \u0111\u1ecbnh th\u1ecb tr\u01b0\u1eddng t\u00e0i ch\u00ednh, ti\u1ec1n t\u1ec7. NHNN c\u0169ng c\u00f3 c\u00f4ng v\u0103n y\u00eau c\u1ea7u Ch\u1ee7 t\u1ecbch H\u1ed9i \u0111\u1ed3ng Qu\u1ea3n tr\u1ecb v\u00e0 T\u1ed5ng Gi\u00e1m \u0111\u1ed1c Techcombank c\u00e1ch ch\u1ee9c \u00f4ng L\u00ea H\u00f2a Thu\u1eadn, Gi\u00e1m \u0111\u1ed1c Techcombank chi nh\u00e1nh Ph\u00fa M\u1ef9 H\u01b0ng, sau khi \u00f4ng n\u00e0y kh\u00f4ng d\u1eebng ngay ch\u01b0\u01a1ng tr\u00ecnh huy \u0111\u1ed9ng l\u00e3i su\u1ea5t 17%\/n\u0103m theo y\u00eau c\u1ea7u c\u1ee7a T\u1ed5ng Gi\u00e1m \u0111\u1ed1c v\u00e0 c\u00f3 th\u00e1i \u0111\u1ed9 b\u1ea5t h\u1ee3p t\u00e1c khi NHNN c\u1eed \u0111o\u00e0n xu\u1ed1ng ki\u1ec3m tra.<\/FONT><\/SPAN><\/TD><\/TR><\/TBODY><\/TABLE><\/DIV>


                                                                                     Theo Hanoimoi<\/FONT><\/EM><\/STRONG><\/P><\/p>\n","protected":false},"excerpt":{"rendered":"

Quy\u1ebft \u0111\u1ecbnh c\u1ee7a Ng\u00e2n h\u00e0ng Nh\u00e0 n\u01b0\u1edbc (NHNN) y\u00eau c\u1ea7u c\u00e1c t\u1ed5 ch\u1ee9c t\u00edn d\u1ee5ng (TCTD) \u1ea5n \u0111\u1ecbnh l\u00e3i su\u1ea5t huy \u0111\u1ed9ng (LSH\u0110) v\u1ed1n b\u1eb1ng \u0111\u1ed3ng Vi\u1ec7t Nam – VND, g\u1ed3m c\u1ea3 kho\u1ea3n chi khuy\u1ebfn m\u00e3i d\u01b0\u1edbi m\u1ecdi h\u00ecnh th\u1ee9c, kh\u00f4ng v\u01b0\u1ee3t qu\u00e1 14%\/n\u0103m, \u0111\u00e3 h\u1ea1 nhi\u1ec7t cu\u1ed9c \u0111ua t\u0103ng l\u00e3i su\u1ea5t. Ngay sau khi […]<\/p>\n","protected":false},"author":2,"featured_media":18427,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":[],"categories":[63],"tags":[],"_links":{"self":[{"href":"https:\/\/dntieubieuna.vn\/index.php?rest_route=\/wp\/v2\/posts\/18429"}],"collection":[{"href":"https:\/\/dntieubieuna.vn\/index.php?rest_route=\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/dntieubieuna.vn\/index.php?rest_route=\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/dntieubieuna.vn\/index.php?rest_route=\/wp\/v2\/users\/2"}],"replies":[{"embeddable":true,"href":"https:\/\/dntieubieuna.vn\/index.php?rest_route=%2Fwp%2Fv2%2Fcomments&post=18429"}],"version-history":[{"count":0,"href":"https:\/\/dntieubieuna.vn\/index.php?rest_route=\/wp\/v2\/posts\/18429\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/dntieubieuna.vn\/index.php?rest_route=\/wp\/v2\/media\/18427"}],"wp:attachment":[{"href":"https:\/\/dntieubieuna.vn\/index.php?rest_route=%2Fwp%2Fv2%2Fmedia&parent=18429"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/dntieubieuna.vn\/index.php?rest_route=%2Fwp%2Fv2%2Fcategories&post=18429"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/dntieubieuna.vn\/index.php?rest_route=%2Fwp%2Fv2%2Ftags&post=18429"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}