{"id":323236,"date":"2019-09-02T19:56:38","date_gmt":"2019-09-02T12:56:38","guid":{"rendered":"http:\/\/canhco.net\/do-ngan-ty-vao-nha-dat-canh-bao-xu-nghiem-tu-ngan-hang-nha-nuoc-p323236.html"},"modified":"2019-09-02T19:56:38","modified_gmt":"2019-09-02T12:56:38","slug":"do-ngan-ty-vao-nha-dat-canh-bao-xu-nghiem-tu-ngan-hang-nha-nuoc","status":"publish","type":"post","link":"https:\/\/m.canhco.net\/do-ngan-ty-vao-nha-dat-canh-bao-xu-nghiem-tu-ngan-hang-nha-nuoc-p323236.html","title":{"rendered":"\u0110\u1ed5 ng\u00e0n t\u1ef7 v\u00e0o nh\u00e0 \u0111\u1ea5t, c\u1ea3nh b\u00e1o x\u1eed nghi\u00eam t\u1eeb Ng\u00e2n h\u00e0ng Nh\u00e0 n\u01b0\u1edbc"},"content":{"rendered":"

C\u00e1c ng\u00e2n h\u00e0ng \u0111ang \u0111\u1ed5 x\u00f4 mua tr\u00e1i phi\u1ebfu DN, nh\u1ea5t l\u00e0 DN b\u1ea5t \u0111\u1ed9ng s\u1ea3n. M\u1ed9t s\u1ed1 ng\u00e2n h\u00e0ng c\u00f3 s\u1ed1 d\u01b0 \u0111\u1ea7u t\u01b0 tr\u00e1i phi\u1ebfu DN chi\u1ebfm t\u1ef7 tr\u1ecdng l\u1edbn trong t\u1ed5ng t\u00e0i s\u1ea3n v\u00e0 ti\u1ebfp t\u1ee5c t\u0103ng nhanh. \u0110\u00e3 c\u00f3 c\u1ea3nh b\u00e1o v\u1ec1 nguy c\u01a1 r\u1ee7i ro.<\/strong><\/p>\n

Ng\u00e2n h\u00e0ng Nh\u00e0 n\u01b0\u1edbc v\u1eeba \u0111\u01b0a ra c\u1ea3nh b\u00e1o r\u1ee7i ro v\u00e0 y\u00eau c\u1ea7u c\u00e1c ng\u00e2n h\u00e0ng th\u01b0\u01a1ng m\u1ea1i (NHTM) si\u1ebft ch\u1eb7t ho\u1ea1t \u0111\u1ed9ng \u0111\u1ea7u t\u01b0 tr\u00e1i phi\u1ebfu DN, nh\u1ea5t l\u00e0 tr\u00e1i phi\u1ebfu c\u1ee7a c\u00e1c DN b\u1ea5t \u0111\u1ed9ng s\u1ea3n.<\/p>\n

Theo Ng\u00e2n h\u00e0ng Nh\u00e0 n\u01b0\u1edbc, ho\u1ea1t \u0111\u1ed9ng \u0111\u1ea7u t\u01b0 tr\u00e1i phi\u1ebfu DN c\u1ee7a c\u00e1c NHTM n\u00f3i chung ti\u1ec1m \u1ea9n r\u1ee7i ro l\u1edbn. M\u1ed9t s\u1ed1 ng\u00e2n h\u00e0ng c\u00f3 s\u1ed1 d\u01b0 \u0111\u1ea7u t\u01b0 tr\u00e1i phi\u1ebfu DN chi\u1ebfm t\u1ef7 tr\u1ecdng l\u1edbn trong t\u1ed5ng t\u00e0i s\u1ea3n v\u00e0 ti\u1ebfp t\u1ee5c t\u0103ng nhanh.<\/p>\n

\u0110\u1ec3 \u0111\u1ea3m b\u1ea3o an to\u00e0n trong ho\u1ea1t \u0111\u1ed9ng ng\u00e2n h\u00e0ng, h\u1ea1n ch\u1ebf r\u1ee7i ro trong ho\u1ea1t \u0111\u1ed9ng mua tr\u00e1i phi\u1ebfu doanh nghi\u1ec7p, Th\u1ed1ng \u0111\u1ed1c NHNN y\u00eau c\u1ea7u c\u00e1c NHTM ph\u1ea3i r\u00e0 so\u00e1t c\u00e1c quy \u0111\u1ecbnh n\u1ed9i b\u1ed9, \u0111\u1ea3m b\u1ea3o ban h\u00e0nh \u0111\u1ea7y \u0111\u1ee7 theo \u0111\u00fang quy \u0111\u1ecbnh c\u1ee7a ph\u00e1p lu\u1eadt, \u0111\u1eb7c bi\u1ec7t l\u00e0 quy \u0111\u1ecbnh n\u1ed9i b\u1ed9 li\u00ean quan \u0111\u1ebfn ho\u1ea1t \u0111\u1ed9ng mua tr\u00e1i phi\u1ebfu doanh nghi\u1ec7p (nh\u01b0 quy \u0111\u1ecbnh v\u1ec1 quy tr\u00ecnh, th\u1ee7 t\u1ee5c th\u1ea9m \u0111\u1ecbnh, ph\u00ea duy\u1ec7t v\u00e0 quy\u1ebft \u0111\u1ecbnh mua tr\u00e1i phi\u1ebfu doanh nghi\u1ec7p; nguy\u00ean t\u1eafc, chi ti\u00eau \u0111\u00e1nh gi\u00e1, x\u00e1c \u0111\u1ecbnh m\u1ee9c \u0111\u1ed9 r\u1ee7i ro mua tr\u00e1i phi\u1ebfu).<\/p>\n

C\u01a1 quan n\u00e0y nh\u1ea5n m\u1ea1nh s\u1ebd x\u1eed l\u00fd nghi\u00eam c\u00e1c tr\u01b0\u1eddng h\u1ee3p vi ph\u1ea1m quy \u0111\u1ecbnh c\u1ee7a ph\u00e1p lu\u1eadt li\u00ean quan \u0111\u1ebfn ho\u1ea1t \u0111\u1ed9ng \u0111\u1ea7u t\u01b0 tr\u00e1i phi\u1ebfu DN.<\/p>\n

\u0110\u00e2y l\u00e0 \u0111\u1ed9ng th\u00e1i m\u1ea1nh m\u1ebd nh\u1eb1m ng\u0103n ch\u1eb7n hi\u1ec7n t\u01b0\u1ee3ng NHTM \u0111ang \u0111\u1ed5 x\u00f4 mua tr\u00e1i phi\u1ebfu DN t\u1eeb ph\u00eda NHNN.<\/p>\n

\"\u0110\u1ed5
\u0110\u1ea7u t\u01b0 v\u00e0o tr\u00e1i phi\u1ebfu DN b\u1ea5t \u0111\u1ed9ng s\u1ea3n, ng\u00e2n h\u00e0ng kh\u00f4ng b\u1ecb si\u1ebft v\u00e0 c\u0169ng kh\u00f4ng ph\u1ea3i tr\u00edch l\u1eadp d\u1ef1 ph\u00f2ng r\u1ee7i ro, ti\u1ec1m \u1ea9n nhi\u1ec1u nguy c\u01a1.<\/figcaption><\/figure>\n

T\u1eeb \u0111\u1ea7u n\u0103m \u0111\u1ebfn nay, xu h\u01b0\u1edbng c\u00e1c ng\u00e2n h\u00e0ng th\u01b0\u01a1ng m\u1ea1i \u0111\u1ed5 v\u1ed1n v\u00e0o tr\u00e1i phi\u1ebfu DN t\u0103ng nhanh, nh\u1ea5t l\u00e0 khi m\u1ed9t s\u1ed1 DN trong l\u0129nh v\u1ef1c \u0111\u1ecba \u1ed1c, b\u1ea5t \u0111\u1ed9ng s\u1ea3n huy \u0111\u1ed9ng v\u1ed1n v\u1edbi l\u00e3i su\u1ea5t cao.<\/p>\n

Theo th\u1ed1ng k\u00ea c\u1ee7a c\u00e1c c\u01a1 quan ch\u1ee9c n\u0103ng, t\u00ednh \u0111\u1ebfn h\u1ebft 7\/2019, t\u1ed5ng gi\u00e1 tr\u1ecb ph\u00e1t h\u00e0nh tr\u00e1i phi\u1ebfu DN c\u1ee7a c\u00e1c c\u00f4ng ty \u0111\u1ea1i ch\u00fang \u0111\u1ea1t g\u1ea7n 150.000 t\u1ef7 \u0111\u1ed3ng, trong \u0111\u00f3, l\u0129nh v\u1ef1c b\u1ea5t \u0111\u1ed9ng s\u1ea3n chi\u1ebfm kho\u1ea3ng 20%. L\u00e3i su\u1ea5t tr\u00e1i phi\u1ebfu c\u1ee7a c\u00e1c DN b\u1ea5t \u0111\u1ed9ng s\u1ea3n lu\u00f4n \u1edf m\u1ee9c cao ch\u00f3t v\u00f3t, t\u1eeb 9,5-14,5%\/n\u0103m, t\u00f9y t\u1eebng k\u1ef3 h\u1ea1n. C\u00f3 kh\u00f4ng \u00edt l\u00f4 tr\u00e1i phi\u1ebfu c\u1ee7a DN b\u1ea5t \u0111\u1ed9ng s\u1ea3n, tr\u1ecb gi\u00e1 h\u00e0ng tr\u0103m t\u1ef7 \u0111\u1ed3ng, \u0111\u01b0\u1ee3c m\u1ed9t ng\u00e2n h\u00e0ng th\u01b0\u01a1ng m\u1ea1i mua tr\u1ecdn g\u00f3i.<\/p>\n

Theo chuy\u00ean gia kinh t\u1ebf Ph\u1ea1m Nam Kim, m\u1eb7c d\u00f9 v\u1ed1n \u0111\u1ea7u t\u01b0 mua tr\u00e1i phi\u1ebfu DN c\u1ee7a c\u00e1c ng\u00e2n h\u00e0ng th\u01b0\u01a1ng m\u1ea1i \u0111\u01b0\u1ee3c t\u00ednh v\u00e0o h\u1ea1n m\u1ee9c t\u00edn d\u1ee5ng, nh\u01b0ng d\u01b0\u1eddng nh\u01b0 quy \u0111\u1ecbnh n\u00e0y \u0111\u00e3 kh\u00f4ng ng\u0103n c\u1ea3n \u0111\u01b0\u1ee3c c\u00e1c ng\u00e2n h\u00e0ng \u0111\u1ea7u t\u01b0 v\u00e0o tr\u00e1i phi\u1ebfu DN. Ngo\u00e0i l\u00e3i su\u1ea5t cao c\u00f2n l\u00e0 c\u00e2u chuy\u1ec7n v\u1ec1 c\u01a1 c\u1ea5u l\u1ea1i n\u1ee3. Nh\u1eefng DN c\u00f3 kho\u1ea3n n\u1ee3 ng\u00e2n h\u00e0ng, s\u1eafp \u0111\u1ebfn k\u1ef3 thanh to\u00e1n, nh\u01b0ng kh\u00f4ng c\u00f3 ti\u1ec1n \u0111\u1ec3 tr\u1ea3, th\u00ec ph\u00e1t h\u00e0nh tr\u00e1i phi\u1ebfu v\u00e0 ng\u00e2n h\u00e0ng ch\u1ee7 n\u1ee3 s\u1ebd mua \u0111\u1ec3 c\u01a1 c\u1ea5u l\u1ea1i n\u1ee3.<\/p>\n

Ho\u1ea1t \u0111\u1ed9ng n\u00e0y r\u00f5 r\u00e0ng \u0111ang ti\u1ec1m \u1ea9n r\u1ee7i ro cao so v\u1edbi cho vay v\u1ed1n d\u1ef1 \u00e1n. C\u00e1c ph\u00e2n t\u00edch cho th\u1ea5y, khi ng\u00e2n h\u00e0ng cho vay v\u1ed1n, s\u1ebd ph\u1ea3i th\u1ef1c hi\u1ec7n theo quy tr\u00ecnh t\u00edn d\u1ee5ng, ki\u1ec3m tra tr\u01b0\u1edbc, trong v\u00e0 sau cho vay, g\u1ed3m c\u00f3 ki\u1ec3m tra m\u1ee5c \u0111\u00edch vay v\u1ed1n, t\u00ednh kh\u1ea3 thi c\u1ee7a d\u1ef1 \u00e1n, n\u0103ng l\u1ef1c t\u00e0i ch\u00ednh v\u00e0 t\u00e0i s\u1ea3n \u0111\u1ea3m b\u1ea3o ti\u1ec1n vay.<\/p>\n

Tr\u01b0\u1edbc h\u1ebft, c\u00e1c ng\u00e2n h\u00e0ng s\u1ebd ph\u1ea3i xem x\u00e9t k\u1ef9 m\u1ee5c \u0111\u00edch vay, b\u00e1o c\u00e1o t\u00e0i ch\u00ednh c\u1ee7a DN t\u1eeb 1-2 n\u0103m li\u1ec1n k\u1ec1, ti\u1ebfp \u0111\u1ebfn l\u00e0 xem x\u00e9t t\u00e0i s\u1ea3n \u0111\u1ea3m b\u1ea3o xem c\u00f3 \u0111\u1ee7 t\u00ednh ph\u00e1p l\u00fd kh\u00f4ng, \u0111\u1ecbnh gi\u00e1 nh\u01b0 th\u1ebf n\u00e0o v\u00e0 c\u00f3 \u0111\u0103ng k\u00fd giao d\u1ecbch b\u1ea3o \u0111\u1ea3m kh\u00f4ng,\u2026<\/p>\n

Sau \u0111\u00f3 l\u00e0 xem x\u00e9t kh\u1ea3 n\u0103ng thu h\u1ed3i v\u1ed1n c\u1ee7a d\u1ef1 \u00e1n, kh\u1ea3 n\u0103ng ngu\u1ed3n ti\u1ec1n DN c\u00f3 th\u1ec3 thu v\u1ec1 tr\u1ea3 n\u1ee3 v\u00e0 th\u1ea5y hi\u1ec7u qu\u1ea3, c\u0169ng ch\u1ec9 cho vay t\u1eeb 60-70% t\u1ed5ng nhu c\u1ea7u v\u1ed1n c\u1ee7a d\u1ef1 \u00e1n, c\u00f2n l\u1ea1i l\u00e0 v\u1ed1n c\u1ee7a DN.<\/p>\n

Khi \u0111\u00e3 ch\u1ea5p thu\u1eadn cho vay, ng\u00e2n h\u00e0ng c\u00f2n ph\u1ea3i ki\u1ec3m tra xem kh\u00e1ch h\u00e0ng c\u00f3 s\u1eed d\u1ee5ng v\u1ed1n \u0111\u00fang m\u1ee5c \u0111\u00edch hay kh\u00f4ng, d\u00f2ng ti\u1ec1n b\u00e1n h\u00e0ng c\u1ee7a DN ph\u1ea3i chuy\u1ec3n qua ng\u00e2n h\u00e0ng. N\u1ebfu DN c\u00f3 kh\u00f3 kh\u0103n c\u00f2n t\u01b0 v\u1ea5n t\u00ecm gi\u1ea3i ph\u00e1p th\u00e1o g\u1ee1 kh\u00f3 kh\u0103n,\u2026 V\u1ec1 gi\u1ea3i ng\u00e2n, khi cho vay v\u1ed1n, ng\u00e2n h\u00e0ng s\u1ebd gi\u1ea3i ng\u00e2n theo nhi\u1ec1u \u0111\u1ee3t, d\u1ef1a tr\u00ean qu\u00e1 tr\u00ecnh tri\u1ec3n khai c\u1ee7a d\u1ef1 \u00e1n.<\/p>\n

Tuy nhi\u00ean, \u0111\u1ea7u t\u01b0 tr\u00e1i phi\u1ebfu DN, theo quy \u0111\u1ecbnh m\u1edbi t\u1ea1i Ngh\u1ecb \u0111\u1ecbnh 163\/2018\/N\u0110-CP \u0111\u00e3 n\u1edbi l\u1ecfng h\u01a1n r\u1ea5t nhi\u1ec1u. Trong \u0111\u00f3, \u0111\u00e1ng ch\u00fa \u00fd l\u00e0 b\u1ecf \u0111i\u1ec1u ki\u1ec7n DN ph\u00e1t h\u00e0nh tr\u00e1i phi\u1ebfu ph\u1ea3i c\u00f3 l\u00e3i trong n\u0103m g\u1ea7n nh\u1ea5t, ch\u1ec9 c\u1ea7n c\u00f3 b\u00e1o c\u00e1o t\u00e0i ch\u00ednh \u0111\u01b0\u1ee3c ki\u1ec3m to\u00e1n. Nh\u01b0 v\u1eady d\u00f9 l\u00e0m \u0103n thua l\u1ed7, DN v\u1eabn \u0111\u01b0\u1ee3c ph\u00e1t h\u00e0nh tr\u00e1i phi\u1ebfu. Khi Ng\u00e2n h\u00e0ng \u0111\u00e3 mua tr\u00e1i phi\u1ebfu DN th\u00ec ph\u1ea3i chuy\u1ec3n h\u1ebft ti\u1ec1n ngay v\u00e0 c\u0169ng kh\u00f4ng n\u1eafm ch\u1eafc ngu\u1ed3n v\u1ed1n c\u00f3 s\u1eed d\u1ee5ng \u0111\u00fang m\u1ee5c \u0111\u00edch hay kh\u00f4ng, ph\u01b0\u01a1ng \u00e1n c\u00f3 kh\u1ea3 thi kh\u00f4ng.<\/p>\n

V\u1edbi l\u0129nh v\u1ef1c b\u1ea5t \u0111\u1ed9ng s\u1ea3n, hi\u1ec7n c\u00f3 t\u00ednh thanh kho\u1ea3n th\u1ea5p, s\u1ea3n ph\u1ea9m t\u1ed3n \u0111\u1ecdng nhi\u1ec1u v\u00e0 NHNN th\u1eddi gian qua ph\u1ea3i si\u1ebft cho vay. \u0110\u1ea7u t\u01b0 v\u00e0o tr\u00e1i phi\u1ebfu DN b\u1ea5t \u0111\u1ed9ng s\u1ea3n, ng\u00e2n h\u00e0ng kh\u00f4ng b\u1ecb si\u1ebft v\u00e0 c\u0169ng kh\u00f4ng ph\u1ea3i tr\u00edch l\u1eadp d\u1ef1 ph\u00f2ng r\u1ee7i ro.<\/p>\n

Nh\u01b0 v\u1eady, ti\u1ec1m \u1ea9n nguy c\u01a1 r\u1ee7i ro r\u1ea5t l\u1edbn. N\u1ebfu DN thua l\u1ed7, ph\u00e1 s\u1ea3n th\u00ec vi\u1ec7c thu h\u1ed3i v\u1ed1n r\u1ea5t kh\u00f3, chuy\u00ean gia Ph\u1ea1m Nam Kim nh\u1eadn \u0111\u1ecbnh.<\/p>\n

Kh\u00f4ng nh\u1eefng th\u1ebf, c\u00e1c DN ph\u00e1t h\u00e0nh tr\u00e1i phi\u1ebfu h\u1ea7u nh\u01b0 ch\u01b0a \u0111\u01b0\u1ee3c x\u1ebfp h\u1ea1ng t\u00edn nhi\u1ec7m, n\u00ean r\u1ea5t kh\u00f3 \u0111\u1ec3 nh\u1eadn bi\u1ebft. Th\u1eadm ch\u00ed, c\u00f3 con s\u1ed1 cho r\u1eb1ng 70% s\u1ed1 DN ph\u00e1t h\u00e0nh tr\u00e1i phi\u1ebfu, s\u1eed d\u1ee5ng t\u00e0i s\u1ea3n v\u00e0 t\u00e0i s\u1ea3n h\u00ecnh th\u00e0nh t\u1eeb ngu\u1ed3n tr\u00e1i phi\u1ebfu nh\u01b0ng ch\u01b0a \u0111\u01b0\u1ee3c \u0111\u1ecbnh gi\u00e1 b\u1edfi t\u1ed5 ch\u1ee9c \u0111\u1ecbnh gi\u00e1 \u0111\u1ed9c l\u1eadp v\u00e0 kh\u00f3 x\u00e1c minh c\u00e1c tranh ch\u1ea5p ph\u00e1p l\u00fd.<\/p>\n

Tr\u1ea7n Th\u1ee7y<\/strong><\/p>\n","protected":false},"excerpt":{"rendered":"

C\u00e1c ng\u00e2n h\u00e0ng \u0111ang \u0111\u1ed5 x\u00f4 mua tr\u00e1i phi\u1ebfu DN, nh\u1ea5t l\u00e0 DN b\u1ea5t \u0111\u1ed9ng s\u1ea3n. M\u1ed9t s\u1ed1 ng\u00e2n h\u00e0ng c\u00f3 s\u1ed1 d\u01b0 \u0111\u1ea7u t\u01b0 tr\u00e1i phi\u1ebfu DN chi\u1ebfm t\u1ef7 tr\u1ecdng l\u1edbn trong t\u1ed5ng t\u00e0i s\u1ea3n v\u00e0 ti\u1ebfp t\u1ee5c t\u0103ng nhanh. \u0110\u00e3 c\u00f3 c\u1ea3nh b\u00e1o v\u1ec1 nguy c\u01a1 r\u1ee7i ro. Ng\u00e2n h\u00e0ng Nh\u00e0 n\u01b0\u1edbc v\u1eeba […]<\/p>\n","protected":false},"author":4,"featured_media":0,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":[],"categories":[4],"tags":[16635,3783,2891],"topics":[],"longform":[],"members":[125761],"story":[],"thematic":[],"_links":{"self":[{"href":"https:\/\/m.canhco.net\/wp-json\/wp\/v2\/posts\/323236"}],"collection":[{"href":"https:\/\/m.canhco.net\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/m.canhco.net\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/m.canhco.net\/wp-json\/wp\/v2\/users\/4"}],"replies":[{"embeddable":true,"href":"https:\/\/m.canhco.net\/wp-json\/wp\/v2\/comments?post=323236"}],"version-history":[{"count":0,"href":"https:\/\/m.canhco.net\/wp-json\/wp\/v2\/posts\/323236\/revisions"}],"wp:attachment":[{"href":"https:\/\/m.canhco.net\/wp-json\/wp\/v2\/media?parent=323236"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/m.canhco.net\/wp-json\/wp\/v2\/categories?post=323236"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/m.canhco.net\/wp-json\/wp\/v2\/tags?post=323236"},{"taxonomy":"topics","embeddable":true,"href":"https:\/\/m.canhco.net\/wp-json\/wp\/v2\/topics?post=323236"},{"taxonomy":"longform","embeddable":true,"href":"https:\/\/m.canhco.net\/wp-json\/wp\/v2\/longform?post=323236"},{"taxonomy":"members","embeddable":true,"href":"https:\/\/m.canhco.net\/wp-json\/wp\/v2\/members?post=323236"},{"taxonomy":"story","embeddable":true,"href":"https:\/\/m.canhco.net\/wp-json\/wp\/v2\/story?post=323236"},{"taxonomy":"thematic","embeddable":true,"href":"https:\/\/m.canhco.net\/wp-json\/wp\/v2\/thematic?post=323236"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}