{"id":21230,"date":"2016-12-31T16:09:45","date_gmt":"2016-12-31T16:09:45","guid":{"rendered":""},"modified":"2016-12-31T16:09:45","modified_gmt":"2016-12-31T16:09:45","slug":"hoat-dong-ngan-hang-1-nam-nhin-lai","status":"publish","type":"post","link":"https:\/\/dntieubieuna.vn\/?p=21230","title":{"rendered":"Ho\u1ea1t \u0111\u1ed9ng ng\u00e2n h\u00e0ng 1 n\u0103m nh\u00ecn l\u1ea1i"},"content":{"rendered":"

Trong 1 n\u0103m nhi\u1ec1u kh\u00f3 kh\u0103n, kinh t\u1ebf \u0111\u1ea5t n\u01b0\u1edbc v\u1eabn gi\u1eef \u0111\u01b0\u1ee3c nh\u1ecbp t\u0103ng tr\u01b0\u1edfng t\u00edch c\u1ef1c, c\u00e1c c\u00e2n \u0111\u1ed1i v\u0129 m\u00f4 \u0111\u01b0\u1ee3c b\u1ea3o \u0111\u1ea3m\u2026 G\u00f3p v\u00e0o th\u00e0nh c\u00f4ng chung \u1ea5y c\u00f3 n\u1ed7 l\u1ef1c c\u1ee7a ng\u00e0nh ng\u00e2n h\u00e0ng c\u1ea3 n\u01b0\u1edbc.<\/FONT><\/P>

N\u0103m 2016, ng\u00e0nh ng\u00e2n h\u00e0ng \u0111\u00e3 c\u01a1 b\u1ea3n ho\u00e0n th\u00e0nh c\u00e1c m\u1ee5c ti\u00eau k\u1ebf ho\u1ea1ch, v\u1ec1 ki\u1ec3m so\u00e1t l\u1ea1m ph\u00e1t d\u01b0\u1edbi 5%, \u1ed5n \u0111\u1ecbnh kinh t\u1ebf v\u0129 m\u00f4, h\u1ed7 tr\u1ee3 t\u0103ng tr\u01b0\u1edfng kinh t\u1ebf, \u0111\u1ea3m b\u1ea3o an to\u00e0n h\u1ec7 th\u1ed1ng; t\u1ed5ng ph\u01b0\u01a1ng ti\u1ec7n thanh to\u00e1n t\u0103ng ph\u00f9 h\u1ee3p (k\u1ebf ho\u1ea1ch l\u00e0 kho\u1ea3ng 16-18%, d\u01b0 n\u1ee3 t\u00edn d\u1ee5ng t\u0103ng kho\u1ea3ng 18-20%); n\u00e2ng cao v\u1ecb th\u1ebf \u0111\u1ed3ng Vi\u1ec7t Nam, ti\u1ebfp t\u1ee5c gi\u1ea3m t\u00ecnh tr\u1ea1ng \u201c\u0111\u00f4 la h\u00f3a\u201d, \u201cv\u00e0ng h\u00f3a\u201d trong n\u1ec1n kinh t\u1ebf; \u0111\u1ea9y m\u1ea1nh vi\u1ec7c x\u1eed l\u00fd n\u1ee3 x\u1ea5u theo c\u01a1 ch\u1ebf th\u1ecb tr\u01b0\u1eddng. H\u1ec7 th\u1ed1ng c\u00e1c t\u1ed5 ch\u1ee9c t\u00edn d\u1ee5ng (TCTD) n\u00f3i chung \u0111\u1ea1t t\u1ef7 l\u1ec7 an to\u00e0n v\u1ed1n 13% (m\u1ee9c t\u1ed1i thi\u1ec3u theo quy \u0111\u1ecbnh l\u00e0 9%) v\u00e0 \u0111\u00e1p \u1ee9ng \u0111\u1ea7y \u0111\u1ee7 c\u00e1c t\u1ef7 l\u1ec7 v\u1ec1 kh\u1ea3 n\u0103ng chi tr\u1ea3 v\u00e0 t\u1ef7 l\u1ec7 ngu\u1ed3n v\u1ed1n ng\u1eafn h\u1ea1n cho vay trung, d\u00e0i h\u1ea1n theo quy \u0111\u1ecbnh c\u1ee7a ph\u00e1p lu\u1eadt; gi\u1eef l\u00e3i su\u1ea5t cho vay trung d\u00e0i h\u1ea1n d\u01b0\u1edbi 10% v\u00e0 n\u1ee3 x\u1ea5u c\u00f2n d\u01b0\u1edbi 3%…<\/FONT><\/P>

V\u1ec1 t\u00edn d\u1ee5ng<\/EM>, c\u00e1c ng\u00e2n h\u00e0ng \u0111\u00e3 n\u1ed7 l\u1ef1c c\u1ea3i thi\u1ec7n \u0111i\u1ec1u ki\u1ec7n t\u00edn d\u1ee5ng theo h\u01b0\u1edbng thu\u1eadn l\u1ee3i v\u1ec1 th\u1ee7 t\u1ee5c, \u00e1p d\u1ee5ng l\u00e3i su\u1ea5t c\u1ea3 huy \u0111\u1ed9ng v\u00e0 cho vay linh ho\u1ea1t v\u00e0 gi\u1ea3m d\u1ea7n, ph\u00f9 h\u1ee3p v\u1edbi m\u1ee5c ti\u00eau \u0111i\u1ec1u h\u00e0nh ch\u00ednh s\u00e1ch ti\u1ec1n t\u1ec7, h\u01b0\u1edbng m\u1ea1nh v\u00e0 c\u00e2n \u0111\u1ed1i h\u01a1n v\u00e0o c\u00e1c l\u0129nh v\u1ef1c s\u1ea3n xu\u1ea5t kinh doanh, nh\u1ea5t l\u00e0 c\u00e1c ng\u00e0nh, l\u0129nh v\u1ef1c \u01b0u ti\u00ean c\u1ee7a Ch\u00ednh ph\u1ee7.<\/FONT><\/P>

NHNN c\u0169ng \u0111\u00e3 k\u1ebft th\u00fac th\u00e0nh c\u00f4ng v\u00e0 \u201cc\u00f3 h\u1eadu\u201d g\u00f3i t\u00edn d\u1ee5ng \u01b0u \u0111\u00e3i 30.000 t\u1ef7 \u0111\u1ed3ng ti\u1ec1n h\u1ed7 tr\u1ee3 mua nh\u00e0 x\u00e3 h\u1ed9i, b\u1ea3o \u0111\u1ea3m gi\u1ea3i ng\u00e2n nh\u1eefng kho\u1ea3n vay \u0111\u00e3 k\u00fd theo \u0111\u00fang l\u00e3i su\u1ea5t \u01b0u \u0111\u00e3i m\u00e0 ng\u01b0\u1eddi vay \u0111\u00e3 \u0111\u01b0\u1ee3c h\u01b0\u1edfng v\u00e0 \u0111\u01b0\u1ee3c cam k\u1ebft trong h\u1ee3p \u0111\u1ed3ng vay v\u1ed1n \u0111\u00e3 k\u00fd.<\/FONT><\/P>

\u0110\u1eb7c bi\u1ec7t, theo ch\u1ec9 \u0111\u1ea1o tr\u1ef1c ti\u1ebfp c\u1ee7a Th\u1ee7 t\u01b0\u1edbng Ch\u00ednh ph\u1ee7 t\u1ea1i H\u1ed9i ngh\u1ecb X\u00e2y d\u1ef1ng n\u1ec1n c\u00f4ng nghi\u1ec7p n\u00f4ng nghi\u1ec7p (ng\u00e0y 18\/12 t\u1ea1i TPHCM), NHNN s\u1ebd nhanh ch\u00f3ng nghi\u00ean c\u1ee9u, ho\u00e0n thi\u1ec7n \u0111\u1ec3 s\u1edbm ban h\u00e0nh c\u01a1 ch\u1ebf thu\u1eadn l\u1ee3i v\u1ec1 g\u00f3i t\u00edn d\u1ee5ng tr\u1ecb gi\u00e1 50.000-60.000 t\u1ef7 \u0111\u1ed3ng v\u00e0 \u0111\u01b0\u1ee3c b\u1ed1 tr\u00ed t\u1ea1i \u00edt nh\u1ea5t 5 ng\u00e2n h\u00e0ng d\u00e0nh cho ph\u00e1t tri\u1ec3n n\u00f4ng nghi\u1ec7p c\u00f4ng ngh\u1ec7 cao.<\/FONT><\/P>

V\u1ec1 l\u00e3i su\u1ea5t,<\/EM>n\u0103m 2016, NHNN r\u00e1o ri\u1ebft th\u1ef1c hi\u1ec7n \u0111\u1ed3ng b\u1ed9 c\u00e1c gi\u1ea3i ph\u00e1p gi\u1ea3m l\u00e3i su\u1ea5t cho vay, h\u1ed7 tr\u1ee3 cho ho\u1ea1t \u0111\u1ed9ng s\u1ea3n xu\u1ea5t kinh doanh c\u1ee7a n\u1ec1n kinh t\u1ebf tr\u00ean tinh th\u1ea7n \u201cc\u1ed1 g\u1eafng gi\u1eef nguy\u00ean m\u1ee9c l\u00e3i su\u1ea5t \u0111i\u1ec1u h\u00e0nh, h\u1ed7 tr\u1ee3, gi\u1ea3m b\u1edbt \u00e1p l\u1ef1c v\u1ec1 gi\u1edbi h\u1ea1n an to\u00e0n\u201d (c\u00e1c ch\u1ec9 ti\u00eau an to\u00e0n \u0111\u01b0\u1ee3c quy \u0111\u1ecbnh v\u1edbi th\u1eddi h\u1ea1n, l\u1ed9 tr\u00ecnh c\u1ee5 th\u1ec3); ch\u1ec9 \u0111\u1ea1o c\u00e1c TCTD r\u00e0 so\u00e1t, \u0111\u1ea3m b\u1ea3o thanh kho\u1ea3n \u1edf c\u00e1c k\u1ef3 h\u1ea1n v\u00e0 t\u0103ng tr\u01b0\u1edfng t\u00edn d\u1ee5ng m\u1ed9t c\u00e1ch h\u1ee3p l\u00fd, gi\u1ea3m b\u1edbt \u00e1p l\u1ef1c v\u1ec1 ch\u00eanh l\u1ec7ch k\u1ef3 h\u1ea1n; ch\u01b0a n\u00e2ng m\u1ea1nh ngay h\u1ec7 s\u1ed1 r\u1ee7i ro cho vay b\u1ea5t \u0111\u1ed9ng s\u1ea3n; gi\u00e3n l\u1ed9 tr\u00ecnh n\u00e2ng gi\u1edbi h\u1ea1n t\u1ef7 l\u1ec7 s\u1eed d\u1ee5ng v\u1ed1n ng\u1eafn h\u1ea1n cho vay trung d\u00e0i h\u1ea1n; m\u1edf l\u1ea1i t\u00edn d\u1ee5ng ngo\u1ea1i t\u1ec7.<\/FONT><\/P>

Ho\u1ea1t \u0111\u1ed9ng t\u00e1i c\u1ea5p v\u1ed1n qua tr\u00e1i phi\u1ebfu \u0111\u1eb7c bi\u1ec7t c\u1ee7a C\u00f4ng ty Qu\u1ea3n l\u00fd t\u00e0i s\u1ea3n c\u1ee7a c\u00e1c t\u1ed5 ch\u1ee9c t\u00edn d\u1ee5ng (VAMC) g\u00f3p ph\u1ea7n t\u00e1i t\u1ea1o ngu\u1ed3n, h\u1ed7 tr\u1ee3 thanh kho\u1ea3n v\u00e0 g\u00f3p ph\u1ea7n h\u1ea1 nhi\u1ec7t l\u00e3i su\u1ea5t. Vi\u1ec7c lo\u1ea1i tr\u1eeb \u0111\u01b0\u1ee3c c\u00e1c ho\u1ea1t \u0111\u1ed9ng \u0111\u1ea7u c\u01a1, g\u0103m gi\u1eef tr\u00ean th\u1ecb tr\u01b0\u1eddng v\u00e0ng, vi\u1ec7c gi\u1eef t\u1ef7 gi\u00e1 \u1ed5n \u0111\u1ecbnh trong ph\u1ea7n l\u1edbn th\u1eddi gian c\u1ee7a n\u0103m c\u0169ng h\u1ea1n ch\u1ebf \u0111\u01b0\u1ee3c d\u00f2ng v\u1ed1n t\u00e1c \u0111\u1ed9ng b\u1ea5t l\u1ee3i \u0111\u1ebfn l\u00e3i su\u1ea5t VND.<\/FONT><\/P>

T\u1eeb cu\u1ed1i th\u00e1ng 4\/2016, c\u00e1c NHTM Nh\u00e0 n\u01b0\u1edbc v\u00e0 m\u1ed9t s\u1ed1 NHTM c\u1ed5 ph\u1ea7n \u0111\u00e3 gi\u1ea3m 0,5%\/n\u0103m l\u00e3i su\u1ea5t cho vay ng\u1eafn h\u1ea1n; trong \u0111\u00f3, \u0111\u00e1ng ghi nh\u1eadn l\u00e0 qu\u00e1n tri\u1ec7t Ngh\u1ecb quy\u1ebft s\u1ed1 35\/NQ-CP c\u1ee7a Ch\u00ednh ph\u1ee7 v\u1ec1 h\u1ed7 tr\u1ee3 v\u00e0 ph\u00e1t tri\u1ec3n DN \u0111\u1ebfn n\u0103m 2020,  Vietcombank, VietinBank, BIDV v\u00e0 SHB… \u0111\u00e3 c\u00f4ng b\u1ed1 \u00e1p tr\u1ea7n l\u00e3i su\u1ea5t cho vay trung d\u00e0i h\u1ea1n \u1edf m\u1ee9c 10%\/n\u0103m.<\/FONT><\/P>

N\u0103m 2016, t\u00edn d\u1ee5ng ngo\u1ea1i t\u1ec7 b\u1ecb h\u1ea1n ch\u1ebf v\u00e0 ti\u1ec1n g\u1eedi DN v\u00e0 c\u00e1 nh\u00e2n b\u1eb1ng USD \u0111\u1ec1u v\u1ec1 0%. \u0110i\u1ec1u n\u00e0y \u0111\u00e3 tr\u1ef1c ti\u1ebfp l\u00e0m t\u0103ng nhu c\u1ea7u t\u00edn d\u1ee5ng qu\u1ed1c gia b\u1eb1ng VND (trong n\u1eeda \u0111\u1ea7u n\u0103m 2016 \u0111\u00e3  t\u0103ng 8,11% so v\u1edbi cu\u1ed1i n\u0103m 2015, t\u0103ng 22,95% so v\u1edbi c\u00f9ng k\u1ef3 n\u0103m 2015 v\u00e0 chi\u1ebfm 90,8% t\u1ed5ng t\u00edn d\u1ee5ng n\u1ec1n kinh t\u1ebf).<\/FONT><\/P>

Ch\u00ednh s\u00e1ch t\u1ef7 gi\u00e1 trung t\u00e2m<\/EM>l\u1ea7n \u0111\u1ea7u \u0111\u01b0\u1ee3c \u00e1p d\u1ee5ng t\u1eeb 4\/1\/2016 \u0111\u1ebfn nay \u0111ang ph\u00e1t huy t\u00e1c d\u1ee5ng t\u00edch c\u1ef1c trong \u1ed5n \u0111\u1ecbnh t\u1ef7 gi\u00e1, cho ph\u00e9p t\u1ef7 gi\u00e1 ph\u1ea3n \u1ee9ng linh ho\u1ea1t, k\u1ecbp th\u1eddi h\u01a1n v\u1edbi di\u1ec5n bi\u1ebfn trong n\u01b0\u1edbc v\u00e0 qu\u1ed1c t\u1ebf; gi\u1ea3m b\u1edbt \u00e1p l\u1ef1c b\u00e1n ngo\u1ea1i t\u1ec7 can thi\u1ec7p th\u1ecb tr\u01b0\u1eddng v\u00e0 k\u1ef3 v\u1ecdng \u0111\u1ea7u c\u01a1 kh\u00e1c.<\/FONT><\/P>

S\u1ef1 ph\u1ed1i h\u1ee3p \u0111\u1ed3ng b\u1ed9 gi\u1eefa ch\u00ednh s\u00e1ch t\u1ef7 gi\u00e1 v\u1edbi ch\u00ednh s\u00e1ch l\u00e3i su\u1ea5t v\u00e0 thanh tra, x\u1eed l\u00fd nghi\u00eam c\u00e1c h\u00e0nh vi vi ph\u1ea1m \u0111\u1ed1i v\u1edbi ho\u1ea1t \u0111\u1ed9ng kinh doanh ngo\u1ea1i t\u1ec7, qu\u1ea3n l\u00fd ngo\u1ea1i h\u1ed1i v\u00e0 c\u00f4ng t\u00e1c truy\u1ec1n th\u00f4ng \u0111\u00e3 g\u00f3p ph\u1ea7nn\u00e2ng cao ni\u1ec1m tin v\u00e0o \u0111\u1ed3ng Vi\u1ec7t Nam<\/EM>v\u00e0 gi\u1eef \u1ed5n \u0111\u1ecbnh t\u1ef7 gi\u00e1 v\u00e0 th\u1ecb tr\u01b0\u1eddng ngo\u1ea1i t\u1ec7. T\u00ecnh tr\u1ea1ng \u0111\u00f4 la ho\u00e1 v\u00e0 c\u00e1c c\u01a1n s\u1ed1t n\u00f3ng tr\u00ean th\u1ecb tr\u01b0\u1eddng ngo\u1ea1i h\u1ed1i trong n\u1ec1n kinh t\u1ebf \u0111ang \u0111\u01b0\u1ee3c ki\u1ec3m so\u00e1t ch\u1eb7t ch\u1ebd h\u01a1n. C\u00e1c nhu c\u1ea7u ngo\u1ea1i t\u1ec7 h\u1ee3p ph\u00e1p c\u1ee7a t\u1ed5 ch\u1ee9c, c\u00e1 nh\u00e2n \u0111\u1ec1u \u0111\u01b0\u1ee3c \u0111\u00e1p \u1ee9ng \u0111\u1ea7y \u0111\u1ee7, k\u1ecbp th\u1eddi.<\/FONT><\/P>

L\u1ed9 tr\u00ecnh t\u00e1i c\u01a1 c\u1ea5u c\u00e1c TCTD<\/EM>\u0111ang \u0111\u01b0\u1ee3c ti\u1ebfp t\u1ee5c tri\u1ec3n khai theo k\u1ebf ho\u1ea1ch, gi\u1ea3m s\u1ed1 l\u01b0\u1ee3ng c\u00e1c TCTD d\u01b0\u1edbi chu\u1ea9n v\u00e0 c\u1ea3i thi\u1ec7n t\u1eebng b\u01b0\u1edbc ch\u1ea5t l\u01b0\u1ee3ng, s\u1ee9c c\u1ea1nh tranh to\u00e0n h\u1ec7 th\u1ed1ng v\u00e0 t\u1eebng t\u1ed5 ch\u1ee9c th\u00e0nh vi\u00ean.<\/FONT><\/P>

S\u1ed1 li\u1ec7u gi\u00e1m s\u00e1t c\u1ee7a NHNN v\u00e0 n\u1ee3 x\u1ea5u c\u1ee7a c\u00e1c TCTD \u0111\u00e3 \u0111\u01b0\u1ee3c minh b\u1ea1ch v\u00e0 c\u1eadp nh\u1eadt \u0111\u1ea7y \u0111\u1ee7 h\u01a1n.  C\u00e1c TCTD, chi nh\u00e1nh ng\u00e2n h\u00e0ng n\u01b0\u1edbc ngo\u00e0i \u0111\u00e3 nghi\u00eam t\u00fac ch\u1ea5p h\u00e0nh c\u00e1c quy \u0111\u1ecbnh v\u1ec1 l\u00e3i su\u1ea5t huy \u0111\u1ed9ng, \u0111\u1eb7c bi\u1ec7t l\u00e0 huy \u0111\u1ed9ng USD; ch\u1ee7 \u0111\u1ed9ng t\u0103ng d\u01b0 n\u1ee3 t\u00edn d\u1ee5ng v\u00e0 cung c\u1ea5p c\u00e1c d\u1ecbch v\u1ee5 m\u1edbi, m\u1edf r\u1ed9ng th\u1ecb ph\u1ea7n.<\/FONT><\/P>

S\u1ef1 c\u1ed9ng h\u01b0\u1edfng v\u00e0 t\u00e1c \u0111\u1ed9ng \u0111a chi\u1ec1u c\u1ee7a nh\u1eefng c\u01a1 h\u1ed9i v\u00e0 th\u00e1ch th\u1ee9c tr\u00ean, t\u1ea1o xung l\u1ef1c m\u1edbi c\u1ea3 v\u1ec1 ch\u00ednh s\u00e1ch, y\u00eau c\u1ea7u v\u00e0 v\u1ec1 xu h\u01b0\u1edbng th\u1ecb tr\u01b0\u1eddng, c\u0169ng nh\u01b0 cho ph\u00e9p k\u1ef3 v\u1ecdng v\u1ec1 nh\u1eefng t\u1eadp \u0111o\u00e0n t\u00e0i ch\u00ednh-ng\u00e2n h\u00e0ng Vi\u1ec7t Nam c\u00f3 t\u1ea7m v\u00f3c h\u01a1n, c\u00f3 t\u00ednh qu\u1ed1c t\u1ebf v\u00e0 n\u0103ng l\u1ef1c c\u1ea1nh tranh cao, c\u0169ng s\u1ebd \u0111\u1eadm d\u1ea7n h\u01a1n\u2026<\/FONT><\/P>

C\u00e1c \u0111\u1ed9ng th\u00e1i \u0111i\u1ec1u h\u00e0nh c\u1ee7a NHNN \u0111\u01b0\u1ee3c Ch\u00ednh ph\u1ee7 v\u00e0 c\u00e1c t\u1ed5 ch\u1ee9c qu\u1ed1c t\u1ebf \u1ee7ng h\u1ed9 v\u00e0 \u0111\u00e1nh gi\u00e1 cao.

Theo \u0111\u00f3, c\u00e1c t\u1ed5 ch\u1ee9c x\u1ebfp h\u1ea1ng t\u00edn nhi\u1ec7m qu\u1ed1c t\u1ebf \u0111\u1ed3ng lo\u1ea1t n\u00e2ng v\u00e0 \u0111\u00e1nh gi\u00e1 t\u1ed1t h\u01a1n h\u1ea1ng m\u1ee9c c\u1ee7a nhi\u1ec1u ng\u00e2n h\u00e0ng Vi\u1ec7t Nam trong n\u0103m 2016. <\/FONT><\/P>

B\u00e1o c\u00e1o \u0111\u00e1nh gi\u00e1 v\u1ec1 tri\u1ec3n v\u1ecdng ng\u00e0nh ng\u00e2n h\u00e0ng Vi\u1ec7t Nam n\u0103m 2017 c\u1ee7a t\u1ed5 ch\u1ee9c \u0111\u00e1nh gi\u00e1 x\u1ebfp h\u1ea1ng qu\u1ed1c t\u1ebf Fitch Ratings c\u00f4ng b\u1ed1 trung tu\u1ea7n th\u00e1ng 12\/2016 cho bi\u1ebft: C\u00e1c ng\u00e2n h\u00e0ng Vi\u1ec7t Nam \u0111\u00e3 c\u1ea3i thi\u1ec7n h\u01a1n t\u00ecnh tr\u1ea1ng “s\u1ee9c kh\u1ecfe” c\u1ee7a m\u00ecnh; \u0111\u1ed3ng ti\u1ec1n Vi\u1ec7t Nam \u1ed5n \u0111\u1ecbnh v\u00e0 l\u1ea1m ph\u00e1t trong ng\u01b0\u1ee1ng an to\u00e0n.

C\u01a1 c\u1ea5u t\u00edn d\u1ee5ng \u0111\u00e3 thay \u0111\u1ed5i<\/EM>theo h\u01b0\u1edbng gi\u1ea3m cho vay \u0111\u1ed1i v\u1edbi c\u00e1c DN Nh\u00e0 n\u01b0\u1edbc k\u00e9m hi\u1ec7u qu\u1ea3 v\u00e0 \u0111\u1ea9y m\u1ea1nh cho vay qua k\u00eanh b\u00e1n l\u1ebb, gi\u00fap gi\u1ea3m nh\u1eb9 \u00e1p l\u1ef1c l\u00ean ch\u1ea5t l\u01b0\u1ee3ng t\u00e0i s\u1ea3n (t\u1ef7 l\u1ec7 t\u00edn d\u1ee5ng v\u1edbi DN Nh\u00e0 n\u01b0\u1edbc \u0111\u00e3 gi\u1ea3m xu\u1ed1ng c\u00f2n 15% trong t\u1ed5ng s\u1ed1 c\u00e1c kho\u1ea3n vay c\u1ee7a 8 ng\u00e2n h\u00e0ng l\u1edbn \u1edf Vi\u1ec7t Nam so v\u1edbi m\u1ee9c 19% v\u00e0o cu\u1ed1i n\u0103m 2011; t\u1ef7 tr\u1ecdng t\u00edn d\u1ee5ng v\u00e0o khu v\u1ef1c kinh doanh b\u00e1n l\u1ebb, h\u1ed9 gia \u0111\u00ecnh \u0111\u00e3 t\u0103ng l\u00ean 36%, so v\u1edbi m\u1ee9c 27% v\u00e0o cu\u1ed1i n\u0103m 2015).

T\u1ef7 l\u1ec7 cho vay\/huy \u0111\u1ed9ng b\u00ecnh qu\u00e2n to\u00e0n h\u1ec7 th\u1ed1ng v\u00e0o cu\u1ed1i th\u00e1ng 7\/2016 l\u00e0 86,6%. \u0110\u00e2y l\u00e0 t\u1ef7 l\u1ec7 kh\u00f4ng t\u1ed3i v\u00e0 t\u1ea1o k\u1ef3 v\u1ecdng m\u1ee9c cao h\u01a1n trong n\u0103m 2017.
<\/FONT>
                                                           Theo TS.Nguy\u1ec5n Minh Phong
                                                          Chinhphu.vn (ng\u00e0y 31\/12\/2016) 
<\/FONT><\/P><\/STRONG><\/p>\n","protected":false},"excerpt":{"rendered":"

Trong 1 n\u0103m nhi\u1ec1u kh\u00f3 kh\u0103n, kinh t\u1ebf \u0111\u1ea5t n\u01b0\u1edbc v\u1eabn gi\u1eef \u0111\u01b0\u1ee3c nh\u1ecbp t\u0103ng tr\u01b0\u1edfng t\u00edch c\u1ef1c, c\u00e1c c\u00e2n \u0111\u1ed1i v\u0129 m\u00f4 \u0111\u01b0\u1ee3c b\u1ea3o \u0111\u1ea3m\u2026 G\u00f3p v\u00e0o th\u00e0nh c\u00f4ng chung \u1ea5y c\u00f3 n\u1ed7 l\u1ef1c c\u1ee7a ng\u00e0nh ng\u00e2n h\u00e0ng c\u1ea3 n\u01b0\u1edbc.N\u0103m 2016, ng\u00e0nh ng\u00e2n h\u00e0ng \u0111\u00e3 c\u01a1 b\u1ea3n ho\u00e0n th\u00e0nh c\u00e1c m\u1ee5c ti\u00eau k\u1ebf ho\u1ea1ch, […]<\/p>\n","protected":false},"author":2,"featured_media":21227,"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\/21230"}],"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=21230"}],"version-history":[{"count":0,"href":"https:\/\/dntieubieuna.vn\/index.php?rest_route=\/wp\/v2\/posts\/21230\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/dntieubieuna.vn\/index.php?rest_route=\/wp\/v2\/media\/21227"}],"wp:attachment":[{"href":"https:\/\/dntieubieuna.vn\/index.php?rest_route=%2Fwp%2Fv2%2Fmedia&parent=21230"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/dntieubieuna.vn\/index.php?rest_route=%2Fwp%2Fv2%2Fcategories&post=21230"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/dntieubieuna.vn\/index.php?rest_route=%2Fwp%2Fv2%2Ftags&post=21230"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}