{"id":18652,"date":"2011-05-10T16:04:18","date_gmt":"2011-05-10T16:04:18","guid":{"rendered":""},"modified":"2011-05-10T16:04:18","modified_gmt":"2011-05-10T16:04:18","slug":"lai-suat-cao-doanh-nghiep-tim-von-o-dau","status":"publish","type":"post","link":"https:\/\/dntieubieuna.vn\/?p=18652","title":{"rendered":"L\u00e3i su\u1ea5t cao, doanh nghi\u1ec7p t\u00ecm v\u1ed1n \u1edf \u0111\u00e2u?"},"content":{"rendered":"

L\u00e3i su\u1ea5t cho vay c\u1ee7a c\u00e1c ng\u00e2n h\u00e0ng th\u01b0\u01a1ng m\u1ea1i qu\u00e1 cao \u0111\u00e3 khi\u1ebfn cho vi\u1ec7c ti\u1ebfp c\u1eadn v\u1ed1n tr\u1edf th\u00e0nh r\u00e0o c\u1ea3n ch\u00ednh \u0111\u1ed1i v\u1edbi c\u00e1c doanh nghi\u1ec7p. T\u00ecm v\u1ed1n \u1edf \u0111\u00e2u l\u00e0 c\u00e2u h\u1ecfi l\u00e0m \u0111au \u0111\u1ea7u nhi\u1ec1u doanh nghi\u1ec7p.

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V\u1ea5n \u0111\u1ec1 ti\u1ebfp c\u1eadn v\u1ed1n c\u1ee7a DN, \u0111\u1eb7c bi\u1ec7t l\u00e0 \u0111\u1ed1i v\u1edbi c\u00e1c DN v\u1eeba v\u00e0 nh\u1ecf hi\u1ec7n nay \u0111ang r\u1ea5t kh\u00f3 kh\u0103n, n\u1ebfu kh\u00f4ng n\u00f3i l\u00e0 “b\u1ebf t\u1eafc” do kh\u00f4ng t\u00ecm \u0111\u01b0\u1ee3c ngu\u1ed3n v\u1ed1n vay. \u0110\u00e2y ch\u00ednh l\u00e0 n\u1ed9i dung ch\u1ee7 y\u1ebfu \u0111\u01b0\u1ee3c c\u00e1c chuy\u00ean gia v\u00e0 doanh nghi\u1ec7p \u0111\u1ec1 c\u1eadp t\u1edbi t\u1ea1i h\u1ed9i th\u1ea3o v\u1ec1 “Gi\u1ea3i ph\u00e1p v\u1ed1n cho doanh nghi\u1ec7p” do VCCI t\u1ed5 ch\u1ee9c s\u00e1ng nay (10\/5).

Ch\u1ec9 1\/3 doanh nghi\u1ec7p ti\u1ebfp c\u1eadn \u0111\u01b0\u1ee3c v\u1ed1n
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L\u00e2u nay, c\u00e1c DN v\u1eabn g\u1eb7p r\u1ea5t nhi\u1ec1u kh\u00f3 kh\u0103n trong vi\u1ec7c ti\u1ebfp c\u1eadn v\u1ed1n t\u1eeb c\u00e1c t\u1ed5 ch\u1ee9c t\u00edn d\u1ee5ng, ng\u00e2n h\u00e0ng. Nguy\u00ean nh\u00e2n ch\u00ednh l\u00e0 do c\u00e1c DN kh\u00f4ng \u0111\u00e1p \u1ee9ng \u0111\u1ee7 \u0111i\u1ec1u ki\u1ec7n cho vay t\u1eeb c\u00e1c t\u1ed5 ch\u1ee9c t\u00edn dung, ng\u00e2n h\u00e0ng.
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Theo \u0111i\u1ec1u tra m\u1edbi \u0111\u00e2y c\u1ee7a B\u1ed9 K\u1ebf ho\u1ea1ch v\u00e0 \u0110\u1ea7u t\u01b0, ch\u1ec9 c\u00f3 1\/3 DN c\u00f3 kh\u1ea3 n\u0103ng ti\u1ebfp c\u1eadn v\u1ed1n ng\u00e2n h\u00e0ng, 1\/3 kh\u00f3 ti\u1ebfp c\u1eadn v\u00e0 1\/3 kh\u00f4ng ti\u1ebfp c\u1eadn \u0111\u01b0\u1ee3c, l\u00fd do c\u00e1c DN \u0111\u01b0a ra l\u00e0 do th\u1ee7 t\u1ee5c t\u1eeb ph\u00eda c\u00e1c ng\u00e2n h\u00e0ng \u0111\u01b0a ra \u0111\u00e3 \u201cqu\u00e1 s\u1ee9c\u201d \u0111\u1ed1i v\u1edbi h\u1ecd, th\u1eadm ch\u00ed c\u00f3 ch\u00ednh s\u00e1ch \u01b0u \u0111\u00e3i c\u1ee7a Ch\u00ednh ph\u1ee7 th\u00ec c\u0169ng ch\u1ec9 c\u00f3 kho\u1ea3ng 5-10% DN \u0111\u01b0\u1ee3c vay m\u00e0 th\u00f4i.
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Theo TS V\u0169 Ti\u1ebfn L\u1ed9c, Ch\u1ee7 t\u1ecbch Ph\u00f2ng Th\u01b0\u01a1ng m\u1ea1i v\u00e0 C\u00f4ng nghi\u1ec7p Vi\u1ec7t Nam (VCCI), hi\u1ec7n nay, m\u1ee9c l\u00e3i su\u1ea5t tr\u1ea7n huy \u0111\u1ed9ng c\u1ee7a ng\u00e2n h\u00e0ng nh\u00e0 n\u01b0\u1edbc quy \u0111\u1ecbnh \u0111\u1ed1i v\u1edbi c\u00e1c ng\u00e2n h\u00e0ng th\u01b0\u01a1ng m\u1ea1i l\u00e0 14%\/n\u0103m, l\u00e3i su\u1ea5t cho vay trong l\u0129nh v\u1ef1c s\u1ea3n xu\u1ea5t kinh doanh x\u00ea d\u1ecbch kho\u1ea3ng 17-18%\/n\u0103m. Tuy nhi\u00ean, tr\u00ean th\u1ef1c t\u1ebf m\u1ed9t s\u1ed1 ng\u00e2n h\u00e0ng th\u01b0\u01a1ng m\u1ea1i \u0111\u00e3 ph\u00e1 r\u00e0o huy \u0111\u1ed9ng b\u1eb1ng c\u00e1ch n\u00e2ng m\u1ee9c l\u00e3i su\u1ea5t l\u00ean t\u1eeb 15-19%\/n\u0103m tu\u1ef3 v\u00e0o th\u1eddi \u0111i\u1ec3m v\u00e0 s\u1ed1 l\u01b0\u1ee3ng ti\u1ec1n g\u1eedi.
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Vi\u1ec7c huy \u0111\u1ed9ng v\u1ed1n v\u1edbi l\u00e3i su\u1ea5t tr\u1ea7n v\u01b0\u1ee3t quy \u0111\u1ecbnh \u0111\u1ed3ng ngh\u0129a v\u1edbi vi\u1ec7c l\u00e3i su\u1ea5t cho vay c\u0169ng s\u1ebd \u0111\u01b0\u1ee3c n\u00e2ng l\u00ean t\u1eeb 20-22%\/n\u0103m. M\u1ed9t s\u1ed1 ng\u00e2n h\u00e0ng c\u00f2n t\u1ef1 \u0111\u1eb7t ra nhi\u1ec1u lo\u1ea1i ph\u00ed, khi\u1ebfn m\u1ee9c l\u00e3i su\u1ea5t th\u1eadt c\u1ee7a c\u00e1c DN ph\u1ea3i vay c\u00f3 th\u1ec3 l\u00ean t\u1edbi 27%\/n\u0103m. \u0110i\u1ec1u n\u00e0y \u0111\u00e3 \u1ea3nh h\u01b0\u1edfng r\u1ea5t l\u1edbn \u0111\u1ebfn c\u00e1c DN th\u1ef1c s\u1ef1 c\u1ea7n vay v\u1ed1n \u0111\u1ec3 s\u1ea3n xu\u1ea5t kinh doanh v\u00e0 nhi\u1ec1u DN kh\u00f4ng d\u00e1m vay v\u1ed1n \u0111\u1ea7u t\u01b0 kinh doanh n\u1eefa.
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V\u1ed1n… kh\u00f4ng ch\u1ec9 t\u1eeb ng\u00e2n h\u00e0ng
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Theo TS V\u0169 Ti\u1ebfn L\u1ed9c, b\u00ean c\u1ea1nh vi\u1ec7c ti\u1ebfp c\u1eadn v\u1ed1n vay, c\u00e1c k\u00eanh huy \u0111\u1ed9ng v\u1ed1n ch\u1ee7 s\u1edf h\u1eefu nh\u01b0 c\u1ed5 ph\u1ea7n, c\u1ed5 phi\u1ebfu, tr\u00e1i phi\u1ebfu… d\u01b0\u1eddng nh\u01b0 v\u1eabn ch\u01b0a \u0111\u01b0\u1ee3c ph\u00e1t huy m\u1ed9t c\u00e1ch \u0111\u00fang m\u1ee9c.
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Theo nghi\u00ean c\u1ee9u c\u1ee7a VCCI, c\u00f3 \u0111\u1ebfn 74,47% Dn mu\u1ed1n t\u00ecm \u0111\u1ebfn v\u1ed1n b\u1eb1ng h\u00ecnh th\u1ee9c ng\u00e2n h\u00e0ng. M\u1eb7c d\u00f9 v\u1eady, kh\u00f4ng th\u1ec3 DN c\u0169ng c\u00f3 th\u1ec3 ti\u1ebfp c\u1eadn \u0111\u01b0\u1ee3c ngu\u1ed3n v\u1ed1n n\u00e0y. Ngo\u00e0i v\u1ed1n vay t\u1eeb ng\u00e2n h\u00e0ng Dn c\u00f3 th\u1ebf t\u00ecm v\u1ed1n qua h\u00ecnh th\u1ee9c ph\u00e1t h\u00e0nh c\u1ed5 phi\u1ebfu, tr\u00e1i phi\u1ebfu, mua ch\u1ecbu h\u00e0ng ho\u00e1, \u0111i thu\u00ea t\u00e0i ch\u00ednh hay li\u00ean doanh li\u00ean k\u1ebft.
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L\u00e2u nay th\u1ecb tr\u01b0\u1eddng ch\u1ee9ng kho\u00e1n \u0111\u01b0\u1ee3c xem l\u00e0 k\u00eanh huy \u0111\u1ed9ng v\u1ed1n quan tr\u1ecdng c\u1ee7a nhi\u1ec1u DN. V\u1edbi nhi\u1ec1u h\u00ecnh th\u1ee9c kh\u00e1c nhau nh\u01b0 g\u1ecdi v\u1ed1n t\u1eeb c\u1ed5 \u0111\u00f4ng, ch\u00e0o b\u00e1n ri\u00eang l\u1ebb cho \u0111\u1ed1i t\u00e1c, c\u00f4ng nh\u00e2n vi\u00ean ch\u1ee9c… vi\u1ec7c ph\u00e1t h\u00e0nh c\u1ed5 phi\u1ebfu \u0111\u00e3 \u0111\u01b0\u1ee3c nhi\u1ec1u DN \u01b0a chu\u1ed9ng. Tuy nhi\u00ean vi\u1ec7c ph\u00e1t h\u00e0nh c\u1ed5 phi\u1ebfu \u1ed3 \u1ea1t l\u1ea1i khi\u1ebfn cho th\u1ecb tr\u01b0\u1eddng ch\u1ee9ng kho\u00e1n b\u1ecb b\u1ed9i th\u1ef1c ngu\u1ed3n cung. V\u00ec th\u1ebf k\u00eanh huy \u0111\u1ed9ng v\u1ed1n n\u00e0y \u0111\u00e3 kh\u00f4ng ph\u00e1t huy \u0111\u01b0\u1ee3c hi\u1ec7u qu\u1ea3 trong th\u1eddi gian g\u1ea7n \u0111\u00e2y.
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V\u00ec v\u1eady theo TS V\u0169 Ti\u1ebfn L\u1ed9c, \u0111\u1ec3 ph\u00e1t huy n\u1ed9i l\u1ef1c, c\u00e1c DN c\u1ea7n s\u1eed d\u1ee5ng hi\u1ec7u qu\u1ea3 ngu\u1ed3n v\u1ed1n c\u1ee7a m\u00ecnh, v\u1edbi nhi\u1ec1u h\u00ecnh th\u1ee9c nh\u01b0 ti\u1ebft gi\u1ea3m chi ph\u00ed, t\u00edch c\u1ef1c c\u1ea3i ti\u1ebfn c\u00f4ng ngh\u1ec7 \u0111\u1ec3 n\u00e2ng cao n\u0103ng su\u1ea5t v\u00e0 hi\u1ec7u qu\u1ea3 l\u00e0m vi\u1ec7c. \u0110\u00f3 l\u00e0 DN c\u00f3 m\u1ed9t h\u1ec7 th\u1ed1ng s\u1ed5 s\u00e1ch t\u00e0i ch\u00ednh minh b\u1ea1ch c\u00f9ng v\u1edbi m\u00f4 h\u00ecnh qu\u1ea3n l\u00fd khoa h\u1ecdc, n\u0103ng \u0111\u1ed9ng l\u00e0 nh\u1eefng y\u1ebfu t\u1ed1 quan tr\u1ecdng t\u1ea1o n\u00ean s\u1ee9c kho\u1ebb c\u1ee7a m\u1ed7i DN.
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Tuy nhi\u00ean, theo TS Nguy\u1ec5n \u0110\u1ea1i Lai, vi\u1ec7c t\u1ea1o v\u1ed1n cho s\u1ea3n xu\u1ea5t, kinh doanh kh\u00f4ng nh\u1ea5t thi\u1ebft ch\u1ec9 nh\u00ecn duy nh\u1ea5t v\u00e0o c\u00e1c ng\u00e2n h\u00e0ng th\u01b0\u01a1ng m\u1ea1i m\u00e0 ch\u00ednh l\u00fac n\u00e0y DN ph\u1ea3i t\u00ecm c\u00e1ch c\u1ee9u m\u00ecnh tr\u01b0\u1edbc khi c\u1ea7u c\u1ee9u t\u1edbi ng\u00e2n h\u00e0ng. B\u1edfi theo TS lai th\u00ec v\u1ed1n c\u00f2n \u0111\u01b0\u1ee3c h\u00ecnh th\u00e0nh t\u1eeb nhi\u1ec1u k\u00eanh kh\u00e1c nhau, v\u00ec v\u1eady doanh nghi\u1ec7p c\u1ea7n t\u0103ng c\u01b0\u1eddng \u0111a d\u1ea1ng ho\u00e1 c\u00e1c gi\u1ea3i ph\u00e1p t\u00ecm v\u1ed1n s\u1ea3n xu\u1ea5t kinh doanh.
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\u201cC\u00e1c DN c\u1ea7n li\u00ean k\u1ebft cam k\u1ebft ti\u1ebfn h\u00e0nh c\u00e1c nghi\u1ec7p v\u1ee5 mua- b\u00e1n ch\u1ecbu b\u1eb1ng c\u00e1ch ph\u00e1t h\u00e0nh cho nhau c\u00e1c gi\u1ea5y nh\u1eadn n\u1ee3 ho\u1eb7c quy\u1ec1n \u0111\u00f2i n\u1ee3 trong ph\u1ea1m vi th\u1eddi h\u1ea1n tho\u1ea3 thu\u1eadn \u0111\u1ec3 h\u1eefu d\u1ee5ng ho\u00e1 ngu\u1ed3n v\u1ed1n \u201c\u0111\u1ed1i \u0111\u1ea7u\u201d t\u1ea1m th\u1eddi nh\u00e0n r\u1ed7i c\u1ee7a t\u1eebng b\u00ean \u0111\u1ec3 duy tr\u00ec s\u1ea3n xu\u1ea5t v\u00e0 ti\u00eau th\u1ee5\u201d, \u00f4ng Lai n\u00f3i.
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C\u00f2n T\u1ed5ng Th\u01b0 k\u00fd Hi\u1ec7p h\u1ed9i Th\u1ecb tr\u01b0\u1eddng Tr\u00e1i phi\u1ebfu Vi\u1ec7t Nam \u0110\u1ed7 Ng\u1ecdc Qu\u1ef3nh cho r\u1eb1ng, th\u1eddi gian qua ngu\u1ed3n v\u1ed1n \u0111\u1ec3 t\u00e0i tr\u1ee3 ho\u1ea1t \u0111\u1ed9ng kinh doanh c\u1ee7a c\u00e1c doanh nghi\u1ec7p ch\u1ee7 y\u1ebfu d\u1ef1a v\u00e0o k\u00eanh huy \u0111\u1ed9ng v\u1ed1n t\u1eeb t\u00edn d\u1ee5ng ng\u00e2n h\u00e0ng v\u00e0 m\u1ed9t ph\u1ea7n nh\u1ecf t\u1eeb ngu\u1ed3n ph\u00e1t h\u00e0nh c\u1ed5 phi\u1ebfu. Tuy nhi\u00ean, hi\u1ec7n nay, trong b\u1ed1i c\u1ea3nh ngu\u1ed3n v\u1ed1n c\u00f3 h\u1ea1n t\u1eeb c\u00e1c t\u1ed5 ch\u1ee9c t\u00edn d\u1ee5ng, th\u1ecb tr\u01b0\u1eddng c\u1ed5 phi\u1ebfu g\u1eb7p kh\u00f3 kh\u0103n th\u00ec vi\u1ec7c huy \u0111\u1ed9ng v\u1ed1n qua ph\u00e1t h\u00e0nh tr\u00e1i phi\u1ebfu \u0111ang d\u1ea7n tr\u1edf th\u00e0nh xu h\u01b0\u1edbng m\u1edbi v\u00e0 l\u00e0 s\u1ef1 l\u1ef1a ch\u1ecdn \u01b0u ti\u00ean c\u1ee7a nhi\u1ec1u doanh nghi\u1ec7p l\u1edbn.
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Theo \u00f4ng Qu\u1ef3nh th\u00ec l\u1ee3i th\u1ebf c\u1ee7a k\u00eanh huy \u0111\u1ed9ng v\u1ed1n qua ph\u00e1t h\u00e0nh tr\u00e1i phi\u1ebfu doanh nghi\u1ec7p ch\u00ednh b\u1edfi l\u00e0 k\u00eanh huy \u0111\u1ed9ng v\u1ed1n trung d\u00e0i h\u1ea1n hi\u1ec7u qu\u1ea3 tr\u00ean th\u1ecb tr\u01b0\u1eddng v\u1ed1n v\u1edbi chi ph\u00ed h\u1ee3p l\u00fd, \u0111\u1ed3ng th\u1eddi \u0111\u00e2y c\u0169ng l\u00e0 k\u00eanh huy \u0111\u1ed9ng v\u1ed1n c\u00f3 l\u1ee3i th\u1ebf so v\u1edbi c\u00e1c k\u00eanh huy \u0111\u1ed9ng v\u1ed1n kh\u00e1c nh\u01b0 vay t\u00edn d\u1ee5ng, ph\u00e1t h\u00e0nh c\u1ed5 phi\u1ebfu…<\/FONT><\/P>

                                                                                        Theo Info TV
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L\u00e3i su\u1ea5t cho vay c\u1ee7a c\u00e1c ng\u00e2n h\u00e0ng th\u01b0\u01a1ng m\u1ea1i qu\u00e1 cao \u0111\u00e3 khi\u1ebfn cho vi\u1ec7c ti\u1ebfp c\u1eadn v\u1ed1n tr\u1edf th\u00e0nh r\u00e0o c\u1ea3n ch\u00ednh \u0111\u1ed1i v\u1edbi c\u00e1c doanh nghi\u1ec7p. T\u00ecm v\u1ed1n \u1edf \u0111\u00e2u l\u00e0 c\u00e2u h\u1ecfi l\u00e0m \u0111au \u0111\u1ea7u nhi\u1ec1u doanh nghi\u1ec7p.V\u1ea5n \u0111\u1ec1 ti\u1ebfp c\u1eadn v\u1ed1n c\u1ee7a DN, \u0111\u1eb7c bi\u1ec7t l\u00e0 \u0111\u1ed1i v\u1edbi c\u00e1c DN […]<\/p>\n","protected":false},"author":2,"featured_media":18651,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":[],"categories":[65],"tags":[],"_links":{"self":[{"href":"https:\/\/dntieubieuna.vn\/index.php?rest_route=\/wp\/v2\/posts\/18652"}],"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=18652"}],"version-history":[{"count":0,"href":"https:\/\/dntieubieuna.vn\/index.php?rest_route=\/wp\/v2\/posts\/18652\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/dntieubieuna.vn\/index.php?rest_route=\/wp\/v2\/media\/18651"}],"wp:attachment":[{"href":"https:\/\/dntieubieuna.vn\/index.php?rest_route=%2Fwp%2Fv2%2Fmedia&parent=18652"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/dntieubieuna.vn\/index.php?rest_route=%2Fwp%2Fv2%2Fcategories&post=18652"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/dntieubieuna.vn\/index.php?rest_route=%2Fwp%2Fv2%2Ftags&post=18652"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}