{"id":17699,"date":"2026-09-17T11:47:16","date_gmt":"2026-09-17T04:47:16","guid":{"rendered":"https:\/\/useful.vn\/?p=17699"},"modified":"2026-09-17T11:47:16","modified_gmt":"2026-09-17T04:47:16","slug":"ngan-hang-khat-von","status":"publish","type":"post","link":"https:\/\/useful.vn\/?p=17699","title":{"rendered":"Ng\u00e2n h\u00e0ng ‘kh\u00e1t’ v\u1ed1n"},"content":{"rendered":"
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\nNg\u00e2n h\u00e0ng ‘kh\u00e1t’ v\u1ed1n <\/h1>\n

Th\u1eddi gian g\u1ea7n \u0111\u00e2y, nhi\u1ec1u nh\u00e2n vi\u00ean ng\u00e2n h\u00e0ng r\u1ed1t r\u00e1o t\u00ecm kh\u00e1ch g\u1eedi ti\u1ec1n, t\u1eeb \u0111\u0103ng tr\u00ean m\u1ea1ng x\u00e3 h\u1ed9i \u0111\u1ebfn “c\u1ea7u c\u1ee9u” ng\u01b0\u1eddi th\u00e2n, c\u00f2n c\u00e1c nh\u00e0 b\u0103ng t\u0103ng t\u1ed1c huy \u0111\u1ed9ng tr\u00e1i phi\u1ebfu, vay n\u01b0\u1edbc ngo\u00e0i.<\/p>\n

Hai tu\u1ea7n qua, V\u0169 Tuy\u1ec1n, nh\u00e2n vi\u00ean m\u1ed9t ng\u00e2n h\u00e0ng chuy\u1ec3n giao b\u1eaft bu\u1ed9c, c\u00f3 tr\u1ee5 s\u1edf \u1edf H\u00e0 N\u1ed9i, g\u1ea7n nh\u01b0 t\u00fac tr\u1ef1c trong c\u00e1c h\u1ed9i nh\u00f3m tr\u00ean Facebook \u0111\u1ec3 t\u00ecm kh\u00e1ch g\u1eedi ti\u1ebft ki\u1ec7m. M\u1ed7i khi th\u1ea5y b\u00e0i \u0111\u0103ng m\u1edbi, ch\u1ecb l\u1eadp t\u1ee9c ch\u00e0o m\u1eddi l\u00e3i su\u1ea5t h\u01a1n 9,3% m\u1ed9t n\u0103m.<\/p>\n

Nh\u00e2n vi\u00ean nhi\u1ec1u ng\u00e2n h\u00e0ng kh\u00e1c c\u0169ng l\u00e0m \u0111i\u1ec1u t\u01b0\u01a1ng t\u1ef1, khi\u1ebfn nh\u1eefng c\u00e2u h\u1ecfi “n\u00ean g\u1eedi ti\u1ebft ki\u1ec7m \u1edf \u0111\u00e2u” c\u00f3 \u0111\u1ebfn v\u00e0i tr\u0103m b\u00ecnh lu\u1eadn theo c\u00f9ng m\u1ed9t c\u00f4ng th\u1ee9c: t\u00ean ng\u00e2n h\u00e0ng, l\u00e3i su\u1ea5t v\u00e0 s\u1ed1 \u0111i\u1ec7n tho\u1ea1i. Ngay c\u1ea3 nh\u1eefng kho\u1ea3n ti\u1ec1n g\u1eedi v\u00e0i ch\u1ee5c tri\u1ec7u \u0111\u1ebfn v\u00e0i tr\u0103m tri\u1ec7u \u0111\u1ed3ng c\u0169ng \u0111\u01b0\u1ee3c nh\u00e2n vi\u00ean ch\u1ee7 \u0111\u1ed9ng ch\u0103m s\u00f3c, thay v\u00ec ch\u1ec9 d\u00e0nh cho kh\u00e1ch h\u00e0ng c\u00f3 s\u1ed1 d\u01b0 l\u1edbn nh\u01b0 tr\u01b0\u1edbc. M\u1ed9t s\u1ed1 “banker” cho bi\u1ebft v\u00ec ch\u1ea1y \u0111ua ch\u1ec9 ti\u00eau huy \u0111\u1ed9ng, h\u1ecd s\u1eb5n s\u00e0ng b\u1ecf ti\u1ec1n t\u00fai \u0111\u1ec3 \u01b0u \u0111\u00e3i th\u00eam l\u00e3i su\u1ea5t cho kh\u00e1ch g\u1eedi ti\u1ec1n.<\/p>\n

\u00c1p l\u1ef1c huy \u0111\u1ed9ng kh\u00f4ng gi\u1edbi h\u1ea1n \u1edf nh\u00e2n vi\u00ean kinh doanh, m\u00e0 lan \u0111\u1ebfn b\u1ed9 ph\u1eadn t\u00edn d\u1ee5ng, \u0111\u1ed3ng th\u1eddi \u1ea3nh h\u01b0\u1edfng tr\u1ef1c ti\u1ebfp \u0111\u1ebfn thu nh\u1eadp c\u1ee7a c\u00e1c ph\u00f2ng ban h\u1ed7 tr\u1ee3.<\/p>\n

Quang Ph\u00f9ng, c\u00e1n b\u1ed9 t\u00edn d\u1ee5ng m\u1ed9t ng\u00e2n h\u00e0ng qu\u1ed1c doanh chi nh\u00e1nh TP HCM, g\u1ea7n \u0111\u00e2y ph\u1ea3i r\u00e0 l\u1ea1i danh s\u00e1ch kh\u00e1ch vay tr\u1ea3 g\u00f3p tr\u01b0\u1edbc \u0111\u00e2y \u0111\u1ec3 m\u1eddi h\u1ecd g\u1eedi ti\u1ebft ki\u1ec7m. Song, k\u1ebft qu\u1ea3 kh\u00f4ng m\u1ea5y kh\u1ea3 quan. Anh nh\u1edd th\u00eam b\u1ea1n b\u00e8, ng\u01b0\u1eddi th\u00e2n \u1ee7ng h\u1ed9 khi ng\u00e2n h\u00e0ng ghi nh\u1eadn ch\u1ec9 ti\u00eau theo t\u1eebng m\u00e3 nh\u00e2n vi\u00ean.<\/p>\n

“C\u00e1n b\u1ed9 t\u00edn d\u1ee5ng nh\u1eefng n\u0103m tr\u01b0\u1edbc kh\u00f4ng ph\u1ea3i ch\u1ecbu s\u1ee9c \u00e9p huy \u0111\u1ed9ng l\u1edbn nh\u01b0 v\u1eady”, anh n\u00f3i.<\/p>\n

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Nh\u00e2n vi\u00ean m\u1ed9t ng\u00e2n h\u00e0ng \u1edf TP HCM ki\u1ec3m \u0111\u1ebfm ti\u1ec1n m\u1eb7t. \u1ea2nh: Thanh T\u00f9ng<\/em><\/p>\n<\/figcaption><\/figure>\n

Thi\u1ebfu v\u1ed1n<\/strong><\/span><\/p>\n

Gi\u00e1m \u0111\u1ed1c kh\u1ed1i kh\u00e1ch h\u00e0ng doanh nghi\u1ec7p t\u1ea1i m\u1ed9t nh\u00e0 b\u0103ng t\u01b0 nh\u00e2n n\u00f3i v\u1edbi VnExpress<\/em> r\u1eb1ng t\u00ecnh tr\u1ea1ng tranh gi\u00e0nh kh\u00e1ch g\u1eedi ti\u1ec1n gi\u1eefa c\u00e1c nh\u00e0 b\u0103ng \u0111\u1eb7c bi\u1ec7t n\u00f3ng trong n\u1eeda \u0111\u1ea7u n\u0103m. L\u00e3i su\u1ea5t li\u00ean t\u1ee5c \u0111\u01b0\u1ee3c n\u00e2ng l\u00ean khi\u1ebfn kh\u00e1ch h\u00e0ng d\u1ecbch chuy\u1ec3n d\u00f2ng ti\u1ec1n sang n\u01a1i tr\u1ea3 cao h\u01a1n, bu\u1ed9c ng\u00e2n h\u00e0ng v\u1eeba t\u00ecm ngu\u1ed3n ti\u1ec1n m\u1edbi v\u1eeba t\u0103ng \u01b0u \u0111\u00e3i gi\u1eef kh\u00e1ch c\u0169.<\/p>\n

Ngu\u1ed3n c\u01a1n c\u1ee7a \u00e1p l\u1ef1c n\u00e0y \u0111\u1ebfn t\u1eeb th\u1ef1c tr\u1ea1ng chung \u1edf nhi\u1ec1u ng\u00e2n h\u00e0ng: thi\u1ebfu v\u1ed1n. L\u00e3nh \u0111\u1ea1o kh\u00f4ng \u00edt nh\u00e0 b\u0103ng th\u1eb3ng th\u1eafn th\u1eeba nh\u1eadn v\u1ed1n huy \u0111\u1ed9ng hi\u1ec7n nay kh\u00f4ng \u0111\u1ee7 \u0111\u00e1p \u1ee9ng nhu c\u1ea7u cho vay.<\/p>\n

Trong bu\u1ed5i g\u1eb7p nh\u00e0 \u0111\u1ea7u t\u01b0 tu\u1ea7n tr\u01b0\u1edbc, \u00f4ng Ph\u1ea1m Nh\u01b0 \u00c1nh, T\u1ed5ng gi\u00e1m \u0111\u1ed1c Ng\u00e2n h\u00e0ng Qu\u00e2n \u0111\u1ed9i (MB), nh\u1eadn \u0111\u1ecbnh nhu c\u1ea7u t\u00edn d\u1ee5ng t\u0103ng nhanh trong khi huy \u0111\u1ed9ng v\u1ed1n g\u1eb7p kh\u00f3 kh\u0103n.<\/p>\n

\u00d4ng \u00c1nh k\u1ec3, khi x\u00e2y d\u1ef1ng k\u1ebf ho\u1ea1ch kinh doanh v\u00e0o cu\u1ed1i n\u0103m ngo\u00e1i, MB k\u1ef3 v\u1ecdng thanh kho\u1ea3n h\u1ec7 th\u1ed1ng n\u0103m nay s\u1ebd thu\u1eadn l\u1ee3i h\u01a1n. Tuy nhi\u00ean, di\u1ec5n bi\u1ebfn th\u1ef1c t\u1ebf kh\u00f3 l\u01b0\u1eddng. Thanh kho\u1ea3n c\u1ea3i thi\u1ec7n nh\u01b0ng ch\u01b0a \u0111\u00e1ng k\u1ec3, trong khi nhu c\u1ea7u v\u1ed1n c\u1ee7a n\u1ec1n kinh t\u1ebf ti\u1ebfp t\u1ee5c t\u0103ng b\u1edfi nhi\u1ec1u d\u1ef1 \u00e1n quy m\u00f4 l\u1edbn \u0111\u01b0\u1ee3c tri\u1ec3n khai v\u00e0 doanh nghi\u1ec7p m\u1edf r\u1ed9ng \u0111\u1ea7u t\u01b0.<\/p>\n

T\u1eeb g\u00f3c \u0111\u1ed9 ng\u00e2n h\u00e0ng qu\u1ed1c doanh, Ch\u1ee7 t\u1ecbch Vietcombank Nguy\u1ec5n Thanh T\u00f9ng gi\u1eefa th\u00e1ng tr\u01b0\u1edbc cho bi\u1ebft \u0111ang \u0111\u1ed1i m\u1eb7t 5 v\u01b0\u1edbng m\u1eafc, trong \u0111\u00f3 nhi\u1ec1u y\u1ebfu t\u1ed1 li\u00ean quan tr\u1ef1c ti\u1ebfp \u0111\u1ebfn v\u1ed1n nh\u01b0 b\u1ea5t c\u00e2n \u0111\u1ed1i ngu\u1ed3n v\u1ed1n, chi ph\u00ed huy \u0111\u1ed9ng t\u0103ng.<\/p>\n

Theo \u00f4ng T\u00f9ng, ngu\u1ed3n v\u1ed1n huy \u0111\u1ed9ng b\u1ecb thi\u1ebfu so v\u1edbi nhu c\u1ea7u \u0111\u1ec3 t\u0103ng tr\u01b0\u1edfng t\u00edn d\u1ee5ng. Do \u0111\u00f3, c\u00e1c ng\u00e2n h\u00e0ng kh\u00f4ng c\u00f2n d\u01b0 d\u1ea3 v\u1ed1n \u0111\u1ec3 cung \u1ee9ng cho t\u00edn d\u1ee5ng, \u0111\u1eb7c bi\u1ec7t v\u1edbi r\u1ea5t nhi\u1ec1u d\u1ef1 \u00e1n l\u1edbn trong th\u1eddi gian t\u1edbi.<\/p>\n

\u0110\u1ebfn gi\u1eefa th\u00e1ng 6, t\u1ed5ng ti\u1ec1n g\u1eedi t\u1ea1i c\u00e1c ng\u00e2n h\u00e0ng x\u1ea5p x\u1ec9 18,2 tri\u1ec7u t\u1ef7 \u0111\u1ed3ng, t\u0103ng 6,16% so v\u1edbi \u0111\u1ea7u n\u0103m, t\u01b0\u01a1ng \u0111\u01b0\u01a1ng kho\u1ea3ng 1 tri\u1ec7u t\u1ef7 \u0111\u1ed3ng \u0111\u01b0\u1ee3c b\u01a1m v\u00e0o h\u1ec7 th\u1ed1ng trong n\u1eeda n\u0103m. Trong khi \u0111\u00f3, t\u00edn d\u1ee5ng t\u0103ng tr\u01b0\u1edfng 8,37%, l\u00ean 20,15 tri\u1ec7u t\u1ef7 \u0111\u1ed3ng. Kho\u1ea3ng c\u00e1ch gi\u1eefa t\u00edn d\u1ee5ng v\u00e0 huy \u0111\u1ed9ng l\u1ec7ch g\u1ea7n 2 tri\u1ec7u t\u1ef7 \u0111\u1ed3ng, \u0111\u1ea9y t\u1ef7 l\u1ec7 cho vay tr\u00ean t\u1ed5ng ti\u1ec1n g\u1eedi (LDR) to\u00e0n h\u1ec7 th\u1ed1ng l\u00ean kho\u1ea3ng 110%, m\u1ee9c cao nh\u1ea5t trong 8 n\u0103m qua.<\/p>\n

\u00d4ng Hu\u1ef3nh Duy Sang, Gi\u00e1m \u0111\u1ed1c Kh\u1ed1i Th\u1ecb tr\u01b0\u1eddng t\u00e0i ch\u00ednh ACB, cho r\u1eb1ng thanh kho\u1ea3n h\u1ec7 th\u1ed1ng t\u1eeb 2022 \u0111\u1ebfn nay kh\u00f4ng d\u1ed3i d\u00e0o nh\u01b0 tr\u01b0\u1edbc. To\u00e0n ng\u00e0nh ph\u1ea3i \u0111\u00e1p \u1ee9ng nhu c\u1ea7u v\u1ed1n l\u1edbn \u0111\u1ec3 h\u1ed7 tr\u1ee3 m\u1ee5c ti\u00eau t\u0103ng tr\u01b0\u1edfng kinh t\u1ebf, trong khi t\u00edn d\u1ee5ng nhi\u1ec1u th\u1eddi \u0111i\u1ec3m t\u0103ng nhanh h\u01a1n huy \u0111\u1ed9ng. Ch\u00eanh l\u1ec7ch k\u00e9o d\u00e0i gi\u1eefa hai ch\u1ec9 ti\u00eau n\u00e0y t\u1ea1o \u00e1p l\u1ef1c c\u00e2n \u0111\u1ed1i ngu\u1ed3n v\u1ed1n cho c\u00e1c nh\u00e0 b\u0103ng.<\/p>\n

\u1ede g\u00f3c \u0111\u1ed9 nh\u00e0 \u0111i\u1ec1u h\u00e0nh, Th\u1ed1ng \u0111\u1ed1c Ng\u00e2n h\u00e0ng Nh\u00e0 n\u01b0\u1edbc Ph\u1ea1m \u0110\u1ee9c \u1ea4n th\u00e1ng tr\u01b0\u1edbc c\u0169ng x\u00e1c nh\u1eadn huy \u0111\u1ed9ng v\u1ed1n c\u1ee7a n\u1ec1n kinh t\u1ebf c\u00f2n eo h\u1eb9p. \u0110i\u1ec1u n\u00e0y khi\u1ebfn vi\u1ec7c \u0111i\u1ec1u h\u00e0nh l\u00e3i su\u1ea5t “t\u01b0\u01a1ng \u0111\u1ed1i v\u1ea5t v\u1ea3”.<\/p>\n

Khi thi\u1ebfu h\u1ee5t v\u1ed1n, l\u00e3i su\u1ea5t \u0111\u1ea7u v\u00e0o n\u00e2ng l\u00ean, k\u00e9o theo \u0111\u1ea7u ra cao v\u00e0 tr\u1ef1c ti\u1ebfp \u1ea3nh h\u01b0\u1edfng \u0111\u1ebfn doanh nghi\u1ec7p s\u1ea3n xu\u1ea5t kinh doanh. \u00d4ng cho bi\u1ebft Ng\u00e2n h\u00e0ng Nh\u00e0 n\u01b0\u1edbc \u0111ang c\u1ed1 g\u1eafng gi\u1ea3m b\u1edbt \u00e1p l\u1ef1c n\u00e0y v\u00e0 \u0111\u1ec1 ngh\u1ecb c\u00e1c ng\u00e2n h\u00e0ng kh\u00f4ng c\u1ea1nh tranh huy \u0111\u1ed9ng v\u1ed1n l\u1eabn nhau \u0111\u1ec3 \u0111\u1ea7u ra h\u1ee3p l\u00fd.<\/p>\n

C\u0169ng theo Th\u1ed1ng \u0111\u1ed1c, c\u01a1 c\u1ea5u v\u1ed1n huy \u0111\u1ed9ng hi\u1ec7n l\u1ec7ch v\u1ec1 ng\u1eafn h\u1ea1n khi chi\u1ebfm t\u1edbi 80%, c\u00f2n trung d\u00e0i h\u1ea1n ch\u1ec9 20%, trong khi nhu c\u1ea7u vay trung d\u00e0i h\u1ea1n c\u1ee7a doanh nghi\u1ec7p r\u1ea5t l\u1edbn.<\/p>\n

V\u1ea5n \u0111\u1ec1 \u0111\u1eb7t ra l\u00e0 n\u1ebfu t\u00ecnh tr\u1ea1ng l\u1ec7ch pha k\u1ef3 h\u1ea1n ti\u1ebfp di\u1ec5n, t\u1ee9c huy \u0111\u1ed9ng ng\u1eafn h\u1ea1n \u0111\u1ec3 cho vay trung d\u00e0i h\u1ea1n, h\u1ec7 th\u1ed1ng \u0111\u1ed1i m\u1eb7t nhi\u1ec1u r\u1ee7i ro.<\/p>\n

Theo nh\u00f3m ph\u00e2n t\u00edch SSI Research, t\u1ef7 l\u1ec7 LDR thu\u1ea7n \u1edf m\u1ed9t s\u1ed1 ng\u00e2n h\u00e0ng \u0111\u00e3 v\u01b0\u1ee3t 100% v\u00e0o gi\u1eefa n\u0103m, cho th\u1ea5y ph\u1ea7n l\u1edbn d\u1ef1a kh\u00e1 nhi\u1ec1u v\u00e0o ngu\u1ed3n v\u1ed1n ng\u1eafn h\u1ea1n \u0111\u1ec3 cho vay. R\u1ee7i ro tr\u01b0\u1edbc m\u1eaft l\u00e0 bi\u00ean l\u00e3i r\u00f2ng (NIM) b\u1ecb b\u00e0o m\u00f2n, do ph\u1ea3i tr\u1ea3 l\u00e3i cao h\u01a1n cho ngu\u1ed3n v\u1ed1n d\u00e0i trong khi \u0111\u1ea7u ra l\u00e3i su\u1ea5t th\u1ea5p. Xa h\u01a1n l\u00e0 r\u1ee7i ro thanh kho\u1ea3n mang t\u00ednh c\u1ea5u tr\u00fac, n\u1ebfu ph\u1ee5 thu\u1ed9c qu\u00e1 nhi\u1ec1u v\u00e0o c\u00e1c ngu\u1ed3n v\u1ed1n “k\u00e9m b\u1ec1n v\u1eefng” nh\u01b0 ti\u1ec1n g\u1eedi Kho b\u1ea1c Nh\u00e0 n\u01b0\u1edbc hay k\u00eanh nghi\u1ec7p v\u1ee5 th\u1ecb tr\u01b0\u1eddng m\u1edf.<\/p>\n

SSI Research ghi nh\u1eadn Ng\u00e2n h\u00e0ng Nh\u00e0 n\u01b0\u1edbc \u0111i\u1ec1u ch\u1ec9nh c\u00e1ch t\u00ednh t\u1ef7 l\u1ec7 LDR v\u00e0 t\u1ef7 l\u1ec7 v\u1ed1n ng\u1eafn h\u1ea1n cho vay trung d\u00e0i h\u1ea1n theo h\u01b0\u1edbng linh ho\u1ea1t h\u01a1n. Tuy nhi\u00ean, nh\u00f3m n\u00e0y nh\u1ea5n m\u1ea1nh, \u0111\u00e2y l\u00e0 bi\u1ec7n ph\u00e1p n\u1edbi l\u1ecfng k\u1ef9 thu\u1eadt, cho th\u00eam d\u01b0 \u0111\u1ecba cho vay tr\u00ean c\u00f9ng m\u1ed9t n\u1ec1n v\u1ed1n, ch\u1ee9 kh\u00f4ng tr\u1ef1c ti\u1ebfp b\u1ed5 sung thanh kho\u1ea3n. N\u00f3i c\u00e1ch kh\u00e1c, bi\u1ec7n ph\u00e1p n\u00e0y n\u1edbi tr\u1ea7n cho vay m\u00e0 ch\u01b0a gi\u1ea3i quy\u1ebft g\u1ed1c r\u1ec5 thi\u1ebfu h\u1ee5t v\u1ed1n d\u00e0i h\u1ea1n.<\/p>\n

“V\u1ea5n \u0111\u1ec1 n\u00e0y ch\u1ec9 \u0111\u01b0\u1ee3c x\u1eed l\u00fd tri\u1ec7t \u0111\u1ec3 khi ph\u00e1t tri\u1ec3n \u0111\u01b0\u1ee3c c\u00e1c k\u00eanh huy \u0111\u1ed9ng v\u1ed1n d\u00e0i h\u1ea1n ngo\u00e0i t\u00edn d\u1ee5ng ng\u00e2n h\u00e0ng”, \u00f4ng Tr\u01b0\u01a1ng Minh Ph\u01b0\u01a1ng Duy, Chuy\u00ean gia Ph\u00e2n t\u00edch \u0111\u1ea7u t\u01b0 t\u1ea1i SSI Research, n\u00eau quan \u0111i\u1ec3m.<\/p>\n

Xoay x\u1edf ngu\u1ed3n v\u1ed1n b\u00f9 \u0111\u1eafp <\/strong><\/span><\/p>\n

Th\u1ef1c t\u1ebf, thay v\u00ec ch\u1ec9 tr\u00f4ng ch\u1edd ti\u1ec1n g\u1eedi d\u00e2n c\u01b0, nhi\u1ec1u ng\u00e2n h\u00e0ng \u0111ang quy\u1ebft li\u1ec7t t\u00ecm k\u00eanh v\u1ed1n m\u1edbi. Tr\u00e1i phi\u1ebfu l\u00e0 \u01b0u ti\u00ean h\u00e0ng \u0111\u1ea7u \u0111\u1ec3 b\u00f9 \u0111\u1eafp thi\u1ebfu h\u1ee5t. Trong n\u1eeda \u0111\u1ea7u n\u0103m, c\u00e1c ng\u00e2n h\u00e0ng huy \u0111\u1ed9ng kho\u1ea3ng 120.000 t\u1ef7 \u0111\u1ed3ng, chi\u1ebfm kho\u1ea3ng 45% t\u1ed5ng gi\u00e1 tr\u1ecb ph\u00e1t h\u00e0nh ri\u00eang l\u1ebb.<\/p>\n

M\u1eb7t b\u1eb1ng l\u00e3i su\u1ea5t huy \u0111\u1ed9ng qua k\u00eanh tr\u00e1i phi\u1ebfu li\u00ean t\u1ee5c \u0111\u01b0\u1ee3c n\u00e2ng l\u00ean, t\u1eeb kho\u1ea3ng 7% trong nh\u1eefng th\u00e1ng \u0111\u1ea7u n\u0103m l\u00ean 8,5% v\u00e0o cu\u1ed1i qu\u00fd II. C\u00e1c l\u00f4 tr\u00e1i phi\u1ebfu l\u00e3i su\u1ea5t tr\u00ean 9-10% kh\u00f4ng c\u00f2n l\u00e0 hi\u1ec7n t\u01b0\u1ee3ng, m\u00e0 \u0111\u00e3 ph\u1ed5 bi\u1ebfn \u1edf nh\u00f3m ng\u00e2n h\u00e0ng t\u01b0 nh\u00e2n nh\u01b0 Sacombank, Vietbank, PVComBank… M\u1ee9c n\u00e0y cao h\u01a1n kho\u1ea3ng 3 \u0111i\u1ec3m ph\u1ea7n tr\u0103m so v\u1edbi c\u00e1c s\u1ea3n ph\u1ea9m ti\u1ec1n g\u1eedi ti\u1ebft ki\u1ec7m k\u1ef3 h\u1ea1n t\u01b0\u01a1ng \u0111\u01b0\u01a1ng.<\/p>\n

Theo nh\u00f3m ph\u00e2n t\u00edch FiinRatings, trong b\u1ed1i c\u1ea3nh nhu c\u1ea7u v\u1ed1n duy tr\u00ec \u1edf m\u1ee9c cao v\u00e0 c\u1ea5p thi\u1ebft, ho\u1ea1t \u0111\u1ed9ng ch\u00e0o b\u00e1n tr\u00e1i phi\u1ebfu s\u1ebd c\u00f2n s\u00f4i \u0111\u1ed9ng. Nhi\u1ec1u nh\u00e0 b\u0103ng c\u00f3 k\u1ebf ho\u1ea1ch huy \u0111\u1ed9ng l\u1edbn nh\u01b0 BIDV 41.000 t\u1ef7 \u0111\u1ed3ng, VPBank 30.000 t\u1ef7, Sacombank 20.000 t\u1ef7, c\u00f2n Agribank 15.000 t\u1ef7.<\/p>\n

B\u00ean c\u1ea1nh ngu\u1ed3n v\u1ed1n n\u1ed9i \u0111\u1ecba, vay h\u1ee3p v\u1ed1n t\u1eeb c\u00e1c \u0111\u1ecbnh ch\u1ebf t\u00e0i ch\u00ednh n\u01b0\u1edbc ngo\u00e0i c\u0169ng \u0111\u01b0\u1ee3c k\u1ef3 v\u1ecdng gi\u00fap c\u00e1c ng\u00e2n h\u00e0ng gi\u1ea3i t\u1ecfa c\u01a1n kh\u00e1t. Hai th\u00e1ng qua, nhi\u1ec1u nh\u00e0 b\u0103ng \u0111\u00e3 “ch\u1ed1t s\u1ed5” c\u00e1c kho\u1ea3n vay t\u1eeb v\u00e0i ch\u1ee5c tri\u1ec7u \u0111\u1ebfn v\u00e0i t\u1ef7 USD. Quy m\u00f4 l\u1edbn nh\u1ea5t l\u00e0 th\u01b0\u01a1ng v\u1ee5 VPBank vay 1,44 t\u1ef7 USD t\u1eeb 15 \u0111\u1ecbnh ch\u1ebf t\u00e0i ch\u00ednh qu\u1ed1c t\u1ebf, trong \u0111\u00f3 Sumitomo Mitsui Banking Corporation (SMBC) \u0111\u00f3ng vai tr\u00f2 thu x\u1ebfp, b\u1ea3o l\u00e3nh v\u00e0 \u0111i\u1ec1u ph\u1ed1i giao d\u1ecbch.<\/p>\n

V\u1ec1 gi\u1ea3i ph\u00e1p cho ngu\u1ed3n v\u1ed1n l\u00e2u d\u00e0i, Ch\u1ee7 t\u1ecbch Vietcombank Nguy\u1ec5n Thanh T\u00f9ng \u0111\u1ec1 xu\u1ea5t B\u1ed9 T\u00e0i ch\u00ednh c\u00f3 th\u1ec3 ph\u00e1t h\u00e0nh tr\u00e1i phi\u1ebfu qu\u1ed1c t\u1ebf. Theo \u00f4ng, v\u1edbi uy t\u00edn c\u1ee7a Vi\u1ec7t Nam hi\u1ec7n nay, tr\u00e1i phi\u1ebfu qu\u1ed1c t\u1ebf s\u1ebd \u0111\u01b0\u1ee3c l\u00e3i su\u1ea5t t\u1ed1t, thay v\u00ec \u0111\u1ec3 ng\u00e2n h\u00e0ng v\u00e0 doanh nghi\u1ec7p t\u1ef1 huy \u0111\u1ed9ng. \u00d4ng c\u0169ng k\u1ef3 v\u1ecdng th\u1ecb tr\u01b0\u1eddng tr\u00e1i phi\u1ebfu doanh nghi\u1ec7p ph\u00e1t tri\u1ec3n m\u1ea1nh h\u01a1n, khi quy m\u00f4 hi\u1ec7n ch\u1ec9 kho\u1ea3ng 10% GDP, th\u1ea5p h\u01a1n nhi\u1ec1u so v\u1edbi Th\u00e1i Lan, Malaysia hay Trung Qu\u1ed1c.<\/p>\n

Nh\u1eefng k\u00eanh huy \u0111\u1ed9ng n\u00e0y c\u00f3 th\u1ec3 gi\u00fap ng\u00e2n h\u00e0ng c\u00f3 th\u00eam d\u01b0 \u0111\u1ecba xoay x\u1edf v\u00e0 gi\u1ea3m \u00e1p l\u1ef1c h\u00fat v\u1ed1n qua k\u00eanh ti\u1ec1n g\u1eedi truy\u1ec1n th\u1ed1ng. Tuy nhi\u00ean, trong l\u00fac ch\u1edd chuy\u1ec3n bi\u1ebfn r\u00f5 r\u1ec7t t\u1eeb ph\u01b0\u01a1ng \u00e1n d\u00e0i h\u1ea1n, nh\u1eefng nh\u00e2n vi\u00ean nh\u01b0 Tuy\u1ec1n hay Ph\u00f9ng v\u1eabn ti\u1ebfp t\u1ee5c t\u00fac tr\u1ef1c m\u1ea1ng x\u00e3 h\u1ed9i ho\u1eb7c “t\u1ed5ng \u0111\u1ed9ng vi\u00ean” ng\u01b0\u1eddi th\u00e2n, b\u1ea1n b\u00e8 \u0111\u1ec3 \u0111\u1ea1t ch\u1ec9 ti\u00eau huy \u0111\u1ed9ng.<\/p>\n

Ph\u01b0\u01a1ng \u0110\u00f4ng – Qu\u1ef3nh Trang<\/strong><\/p>\n<\/article>\n

\n

https:\/\/vnexpress.net\/ngan-hang-khat-von-5107615.html<\/p>\n","protected":false},"excerpt":{"rendered":"

Ng\u00e2n h\u00e0ng ‘kh\u00e1t’ v\u1ed1n Th\u1eddi gian g\u1ea7n \u0111\u00e2y, nhi\u1ec1u nh\u00e2n vi\u00ean ng\u00e2n h\u00e0ng r\u1ed1t r\u00e1o t\u00ecm kh\u00e1ch g\u1eedi ti\u1ec1n, t\u1eeb \u0111\u0103ng tr\u00ean m\u1ea1ng x\u00e3 h\u1ed9i \u0111\u1ebfn “c\u1ea7u c\u1ee9u” ng\u01b0\u1eddi th\u00e2n, c\u00f2n c\u00e1c nh\u00e0 b\u0103ng t\u0103ng t\u1ed1c huy \u0111\u1ed9ng tr\u00e1i phi\u1ebfu, vay n\u01b0\u1edbc ngo\u00e0i. Hai tu\u1ea7n qua, V\u0169 Tuy\u1ec1n, nh\u00e2n vi\u00ean m\u1ed9t ng\u00e2n h\u00e0ng chuy\u1ec3n giao<\/p>\n","protected":false},"author":1,"featured_media":17700,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[14],"tags":[],"class_list":["post-17699","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-thi-truong"],"_links":{"self":[{"href":"https:\/\/useful.vn\/index.php?rest_route=\/wp\/v2\/posts\/17699","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/useful.vn\/index.php?rest_route=\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/useful.vn\/index.php?rest_route=\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/useful.vn\/index.php?rest_route=\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/useful.vn\/index.php?rest_route=%2Fwp%2Fv2%2Fcomments&post=17699"}],"version-history":[{"count":0,"href":"https:\/\/useful.vn\/index.php?rest_route=\/wp\/v2\/posts\/17699\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/useful.vn\/index.php?rest_route=\/wp\/v2\/media\/17700"}],"wp:attachment":[{"href":"https:\/\/useful.vn\/index.php?rest_route=%2Fwp%2Fv2%2Fmedia&parent=17699"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/useful.vn\/index.php?rest_route=%2Fwp%2Fv2%2Fcategories&post=17699"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/useful.vn\/index.php?rest_route=%2Fwp%2Fv2%2Ftags&post=17699"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}