{"id":19069,"date":"2026-09-24T12:47:20","date_gmt":"2026-09-24T05:47:20","guid":{"rendered":"https:\/\/useful.vn\/?p=19069"},"modified":"2026-09-24T12:47:20","modified_gmt":"2026-09-24T05:47:20","slug":"thu-tuong-yeu-cau-ngan-hang-giam-thuc-chat-lai-suat-cho-vay","status":"publish","type":"post","link":"https:\/\/useful.vn\/?p=19069","title":{"rendered":"Th\u1ee7 t\u01b0\u1edbng y\u00eau c\u1ea7u ng\u00e2n h\u00e0ng gi\u1ea3m th\u1ef1c ch\u1ea5t l\u00e3i su\u1ea5t cho vay"},"content":{"rendered":"
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\nTh\u1ee7 t\u01b0\u1edbng y\u00eau c\u1ea7u ng\u00e2n h\u00e0ng gi\u1ea3m th\u1ef1c ch\u1ea5t l\u00e3i su\u1ea5t cho vay <\/h1>\n

Th\u1ee7 t\u01b0\u1edbng L\u00ea Minh H\u01b0ng y\u00eau c\u1ea7u c\u00e1c ng\u00e2n h\u00e0ng ti\u1ebft gi\u1ea3m chi ph\u00ed, \u1ed5n \u0111\u1ecbnh m\u1eb7t b\u1eb1ng l\u00e3i su\u1ea5t v\u00e0 gi\u1ea3m th\u1ef1c ch\u1ea5t l\u00e3i vay, qua \u0111\u00f3 chia s\u1ebb v\u1edbi ng\u01b0\u1eddi d\u00e2n, doanh nghi\u1ec7p.<\/p>\n

T\u1ea1i cu\u1ed9c l\u00e0m vi\u1ec7c v\u1edbi Ng\u00e2n h\u00e0ng Nh\u00e0 n\u01b0\u1edbc, c\u00e1c t\u1ed5 ch\u1ee9c t\u00edn d\u1ee5ng ng\u00e0y 13\/8, Th\u1ee7 t\u01b0\u1edbng cho hay trong \u0111i\u1ec1u h\u00e0nh kinh t\u1ebf v\u0129 m\u00f4 th\u1eddi gian qua, Ch\u00ednh ph\u1ee7 ch\u1ee7 y\u1ebfu s\u1eed d\u1ee5ng ch\u00ednh s\u00e1ch t\u00e0i kh\u00f3a th\u00f4ng qua gi\u1ea3m, gi\u00e3n thu\u1ebf, ph\u00ed.<\/p>\n

Nh\u00e0 \u0111i\u1ec1u h\u00e0nh c\u0169ng c\u1eaft gi\u1ea3m th\u1ee7 t\u1ee5c, th\u1eddi gian v\u00e0 chi ph\u00ed tu\u00e2n th\u1ee7 cho ng\u01b0\u1eddi d\u00e2n, doanh nghi\u1ec7p, g\u1ed3m c\u00e1c ng\u00e2n h\u00e0ng. C\u00e1ch \u0111i\u1ec1u h\u00e0nh n\u00e0y nh\u1eb1m tr\u00e1nh g\u00e2y th\u00eam s\u1ee9c \u00e9p v\u1ec1 t\u00edn d\u1ee5ng, l\u00e3i su\u1ea5t l\u00ean Ng\u00e2n h\u00e0ng Nh\u00e0 n\u01b0\u1edbc v\u00e0 h\u1ec7 th\u1ed1ng nh\u00e0 b\u0103ng.<\/p>\n

Do \u0111\u00f3, theo Th\u1ee7 t\u01b0\u1edbng, h\u1ec7 th\u1ed1ng ng\u00e2n h\u00e0ng c\u1ea7n “tr\u00e1ch nhi\u1ec7m cao, quy\u1ebft li\u1ec7t h\u01a1n” trong huy \u0111\u1ed9ng ngu\u1ed3n l\u1ef1c cho t\u0103ng tr\u01b0\u1edfng tr\u00ean n\u1ec1n t\u1ea3ng \u1ed5n \u0111\u1ecbnh v\u0129 m\u00f4. \u0110\u1ed3ng th\u1eddi, ng\u00e0nh c\u0169ng ph\u1ea3i chia s\u1ebb tr\u00e1ch nhi\u1ec7m v\u1edbi ng\u01b0\u1eddi d\u00e2n, doanh nghi\u1ec7p qua vi\u1ec7c gi\u1ea3m l\u00e3i vay, \u0111\u01b0a t\u00edn d\u1ee5ng v\u00e0o \u0111\u00fang l\u0129nh v\u1ef1c, ki\u1ec3m so\u00e1t r\u1ee7i ro.<\/p>\n

“C\u00e1c t\u1ed5 ch\u1ee9c t\u00edn d\u1ee5ng ti\u1ebfp t\u1ee5c ti\u1ebft gi\u1ea3m chi ph\u00ed, \u1ed5n \u0111\u1ecbnh m\u1eb7t b\u1eb1ng l\u00e3i su\u1ea5t, gi\u1ea3m th\u1ef1c ch\u1ea5t l\u00e3i su\u1ea5t cho vay”, Th\u1ee7 t\u01b0\u1edbng n\u00f3i.<\/p>\n

\u00d4ng c\u0169ng y\u00eau c\u1ea7u Ng\u00e2n h\u00e0ng Nh\u00e0 n\u01b0\u1edbc duy tr\u00ec c\u00e1c m\u1ee9c l\u00e3i su\u1ea5t \u0111i\u1ec1u h\u00e0nh, t\u0103ng cung \u1ee9ng thanh kho\u1ea3n cho th\u1ecb tr\u01b0\u1eddng. Vi\u1ec7c n\u00e0y nh\u1eb1m h\u1ed7 tr\u1ee3 c\u00e1c t\u1ed5 ch\u1ee9c t\u00edn d\u1ee5ng ti\u1ebfp c\u1eadn ngu\u1ed3n v\u1ed1n v\u1edbi chi ph\u00ed th\u1ea5p, t\u1ea1o \u0111i\u1ec1u ki\u1ec7n gi\u1ea3m l\u00e3i su\u1ea5t \u0111\u1ea7u ra.<\/p>\n

Y\u00eau c\u1ea7u gi\u1ea3m l\u00e3i vay \u0111\u01b0\u1ee3c Th\u1ee7 t\u01b0\u1edbng \u0111\u01b0a ra trong b\u1ed1i c\u1ea3nh m\u1eb7t b\u1eb1ng l\u00e3i su\u1ea5t huy \u0111\u1ed9ng v\u00e0 cho vay neo cao th\u1eddi gian qua. Ghi nh\u1eadn c\u1ee7a VnExpress<\/em> t\u1ea1i nhi\u1ec1u ng\u00e2n h\u00e0ng cho th\u1ea5y l\u00e3i su\u1ea5t \u01b0u \u0111\u00e3i c\u1ed1 \u0111\u1ecbnh trong th\u1eddi gian \u0111\u1ea7u v\u1edbi vay mua nh\u00e0 v\u00e0 ti\u00eau d\u00f9ng hi\u1ec7n ph\u1ed5 bi\u1ebfn 9-10% m\u1ed9t n\u0103m, c\u00f3 n\u01a1i tr\u00ean 11%. Ch\u00eanh l\u1ec7ch l\u00e3i vay gi\u1eefa kh\u1ed1i ng\u00e2n h\u00e0ng th\u01b0\u01a1ng m\u1ea1i nh\u00e0 n\u01b0\u1edbc v\u00e0 t\u01b0 nh\u00e2n thu h\u1eb9p d\u1ea7n. C\u00e1c kho\u1ea3n vay ng\u1eafn h\u1ea1n ph\u1ee5c v\u1ee5 s\u1ea3n xu\u1ea5t kinh doanh ph\u1ed5 bi\u1ebfn \u1edf m\u1ee9c 7,5-9% m\u1ed9t n\u0103m trong 3-9 th\u00e1ng ho\u1eb7c 8,5% trong 6 th\u00e1ng \u0111\u1ea7u…<\/p>\n

L\u00e3i su\u1ea5t cho vay t\u0103ng trong b\u1ed1i c\u1ea3nh m\u1eb7t b\u1eb1ng huy \u0111\u1ed9ng li\u00ean t\u1ee5c \u0111i l\u00ean t\u1eeb cu\u1ed1i n\u0103m ngo\u00e1i. Hi\u1ec7n m\u1ee9c huy \u0111\u1ed9ng k\u1ef3 h\u1ea1n 12 th\u00e1ng ph\u1ed5 bi\u1ebfn 7-8% m\u1ed9t n\u0103m, c\u00f2n l\u00e3i su\u1ea5t th\u1ecfa thu\u1eadn v\u1edbi m\u1ed9t s\u1ed1 kho\u1ea3n ti\u1ec1n g\u1eedi c\u00f3 th\u1ec3 l\u00ean kho\u1ea3ng 9%. T\u1ea1i h\u1ed9i ngh\u1ecb g\u1ea7n \u0111\u00e2y, Th\u1ed1ng \u0111\u1ed1c Ng\u00e2n h\u00e0ng Nh\u00e0 n\u01b0\u1edbc Ph\u1ea1m \u0110\u1ee9c \u1ea4n cho bi\u1ebft nhu c\u1ea7u v\u1ed1n c\u1ee7a n\u1ec1n kinh t\u1ebf r\u1ea5t l\u1edbn trong khi kh\u1ea3 n\u0103ng huy \u0111\u1ed9ng c\u00f2n h\u1ea1n ch\u1ebf, khi\u1ebfn vi\u1ec7c \u0111i\u1ec1u h\u00e0nh l\u00e3i su\u1ea5t th\u1eddi gian qua “t\u01b0\u01a1ng \u0111\u1ed1i v\u1ea5t v\u1ea3”.<\/p>\n

V\u1ec1 t\u00edn d\u1ee5ng, Th\u1ee7 t\u01b0\u1edbng L\u00ea Minh H\u01b0ng y\u00eau c\u1ea7u Ng\u00e2n h\u00e0ng Nh\u00e0 n\u01b0\u1edbc \u0111i\u1ec1u h\u00e0nh b\u00e1m s\u00e1t m\u1ee5c ti\u00eau n\u0103m 2026, nh\u01b0ng kh\u00f4ng coi \u0111\u00e2y l\u00e0 “tr\u1ea7n c\u1ee9ng” trong m\u1ecdi th\u1eddi \u0111i\u1ec3m. Ch\u00ednh s\u00e1ch c\u1ea7n linh ho\u1ea1t theo di\u1ec5n bi\u1ebfn th\u1ef1c t\u1ebf, b\u1ea3o \u0111\u1ea3m v\u1ed1n \u0111\u1ebfn \u0111\u00fang l\u0129nh v\u1ef1c \u01b0u ti\u00ean (s\u1ea3n xu\u1ea5t, xu\u1ea5t kh\u1ea9u, c\u00f4ng ngh\u1ec7 cao, d\u1ef1 \u00e1n tr\u1ecdng \u0111i\u1ec3m…) v\u1edbi chi ph\u00ed h\u1ee3p l\u00fd.<\/p>\n

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\n<\/div>
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Th\u1ee7 t\u01b0\u1edbng L\u00ea Minh H\u01b0ng ph\u00e1t bi\u1ec3u t\u1ea1i cu\u1ed9c h\u1ecdp v\u1edbi c\u00e1c ng\u00e2n h\u00e0ng, ng\u00e0y 13\/8. \u1ea2nh: VGP<\/em><\/p>\n<\/figcaption><\/figure>\n

Vi\u1ec7t Nam \u0111\u1eb7t m\u1ee5c ti\u00eau GDP t\u0103ng hai ch\u1eef s\u1ed1 giai \u0111o\u1ea1n t\u1edbi \u0111\u1ec3 tr\u1edf th\u00e0nh n\u01b0\u1edbc thu nh\u1eadp cao v\u00e0o 2045. Theo Th\u1ee7 t\u01b0\u1edbng, \u0111\u1ec3 \u0111\u1ea1t m\u1ee9c t\u0103ng tr\u01b0\u1edfng cao, n\u1ec1n t\u1ea3ng \u1ed5n \u0111\u1ecbnh v\u0129 m\u00f4 c\u00e0ng ph\u1ea3i \u0111\u01b0\u1ee3c c\u1ee7ng c\u1ed1. V\u00ec v\u1eady, Ng\u00e2n h\u00e0ng Nh\u00e0 n\u01b0\u1edbc ph\u1ea3i \u0111\u00e1nh gi\u00e1 “\u0111i\u1ec3m c\u00e2n b\u1eb1ng” gi\u1eefa y\u00eau c\u1ea7u ki\u1ec3m so\u00e1t l\u1ea1m ph\u00e1t v\u00e0 h\u1ed7 tr\u1ee3 t\u0103ng tr\u01b0\u1edfng.<\/p>\n

Tr\u00ean c\u01a1 s\u1edf n\u00e0y, nh\u00e0 \u0111i\u1ec1u h\u00e0nh c\u1eadp nh\u1eadt k\u1ecbch b\u1ea3n v\u1edbi t\u1eebng c\u00f4ng c\u1ee5 nh\u01b0 l\u00e3i su\u1ea5t, t\u1ef7 gi\u00e1, cung ti\u1ec1n, thanh kho\u1ea3n v\u00e0 t\u00edn d\u1ee5ng, x\u00e1c \u0111\u1ecbnh ng\u01b0\u1ee1ng c\u1ea3nh b\u00e1o, ph\u1ea3n \u1ee9ng ch\u00ednh s\u00e1ch k\u1ecbp th\u1eddi. C\u00f9ng v\u1edbi l\u00e3i su\u1ea5t v\u00e0 t\u00edn d\u1ee5ng, Ng\u00e2n h\u00e0ng Nh\u00e0 n\u01b0\u1edbc c\u1ea7n \u0111i\u1ec1u h\u00e0nh t\u1ef7 gi\u00e1 linh ho\u1ea1t, can thi\u1ec7p th\u1ecb tr\u01b0\u1eddng khi c\u1ea7n thi\u1ebft nh\u1eb1m \u1ed5n \u0111\u1ecbnh ngo\u1ea1i t\u1ec7 v\u00e0 ti\u1ebfp t\u1ee5c qu\u1ea3n l\u00fd ch\u1eb7t th\u1ecb tr\u01b0\u1eddng v\u00e0ng.<\/p>\n

Ng\u01b0\u1eddi \u0111\u1ee9ng \u0111\u1ea7u Ch\u00ednh ph\u1ee7 c\u0169ng y\u00eau c\u1ea7u ng\u00e0nh ng\u00e2n h\u00e0ng t\u0103ng kh\u1ea3 n\u0103ng ti\u1ebfp c\u1eadn v\u1ed1n cho doanh nghi\u1ec7p, nh\u1ea5t l\u00e0 doanh nghi\u1ec7p nh\u1ecf v\u00e0 v\u1eeba, \u0111\u1ed5i m\u1edbi ph\u01b0\u01a1ng th\u1ee9c thanh tra, gi\u00e1m s\u00e1t theo h\u01b0\u1edbng t\u1eeb s\u1edbm, t\u1eeb xa v\u00e0 c\u1ea3nh b\u00e1o r\u1ee7i ro.<\/p>\n

C\u00e1c t\u1ed5 ch\u1ee9c t\u00edn d\u1ee5ng, theo Th\u1ee7 t\u01b0\u1edbng, c\u1ea7n n\u00e2ng n\u0103ng l\u1ef1c qu\u1ea3n tr\u1ecb, qu\u1ea3n tr\u1ecb r\u1ee7i ro, ki\u1ec3m so\u00e1t n\u1ed9i b\u1ed9 v\u00e0 n\u0103ng l\u1ef1c t\u00e0i ch\u00ednh. C\u00e1c sai ph\u1ea1m li\u00ean quan s\u1edf h\u1eefu, c\u1ea5p t\u00edn d\u1ee5ng, qu\u1ea3n l\u00fd v\u1ed1n vay, an to\u00e0n ho\u1ea1t \u0111\u1ed9ng… ph\u1ea3i \u0111\u01b0\u1ee3c x\u1eed l\u00fd nghi\u00eam.<\/p>\n

Ch\u00ednh ph\u1ee7 c\u0169ng y\u00eau c\u1ea7u t\u0103ng v\u1ed1n \u0111i\u1ec1u l\u1ec7 cho c\u00e1c ng\u00e2n h\u00e0ng th\u01b0\u01a1ng m\u1ea1i nh\u00e0 n\u01b0\u1edbc. “T\u0103ng tr\u01b0\u1edfng t\u00edn d\u1ee5ng, quy m\u00f4 ph\u1ea3i \u0111i \u0111\u00f4i v\u1edbi ch\u1ea5t l\u01b0\u1ee3ng, ki\u1ec3m so\u00e1t r\u1ee7i ro, an to\u00e0n d\u1eef li\u1ec7u v\u00e0 qu\u1ea3n tr\u1ecb theo chu\u1ea9n qu\u1ed1c t\u1ebf”, Th\u1ee7 t\u01b0\u1edbng n\u00f3i.<\/p>\n

Ph\u01b0\u01a1ng Dung<\/strong><\/p>\n<\/article>\n

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https:\/\/vnexpress.net\/thu-tuong-yeu-cau-ngan-hang-giam-thuc-chat-lai-suat-cho-vay-5108843.html<\/p>\n","protected":false},"excerpt":{"rendered":"

Th\u1ee7 t\u01b0\u1edbng y\u00eau c\u1ea7u ng\u00e2n h\u00e0ng gi\u1ea3m th\u1ef1c ch\u1ea5t l\u00e3i su\u1ea5t cho vay Th\u1ee7 t\u01b0\u1edbng L\u00ea Minh H\u01b0ng y\u00eau c\u1ea7u c\u00e1c ng\u00e2n h\u00e0ng ti\u1ebft gi\u1ea3m chi ph\u00ed, \u1ed5n \u0111\u1ecbnh m\u1eb7t b\u1eb1ng l\u00e3i su\u1ea5t v\u00e0 gi\u1ea3m th\u1ef1c ch\u1ea5t l\u00e3i vay, qua \u0111\u00f3 chia s\u1ebb v\u1edbi ng\u01b0\u1eddi d\u00e2n, doanh nghi\u1ec7p. T\u1ea1i cu\u1ed9c l\u00e0m vi\u1ec7c v\u1edbi Ng\u00e2n h\u00e0ng<\/p>\n","protected":false},"author":1,"featured_media":19070,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[14],"tags":[],"class_list":["post-19069","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\/19069","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=19069"}],"version-history":[{"count":0,"href":"https:\/\/useful.vn\/index.php?rest_route=\/wp\/v2\/posts\/19069\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/useful.vn\/index.php?rest_route=\/wp\/v2\/media\/19070"}],"wp:attachment":[{"href":"https:\/\/useful.vn\/index.php?rest_route=%2Fwp%2Fv2%2Fmedia&parent=19069"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/useful.vn\/index.php?rest_route=%2Fwp%2Fv2%2Fcategories&post=19069"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/useful.vn\/index.php?rest_route=%2Fwp%2Fv2%2Ftags&post=19069"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}