{"id":19398,"date":"2026-09-26T05:47:29","date_gmt":"2026-09-25T22:47:29","guid":{"rendered":"https:\/\/useful.vn\/?p=19398"},"modified":"2026-09-26T05:47:29","modified_gmt":"2026-09-25T22:47:29","slug":"lai-suat-thoi-gian-toi-kho-tang-cao-hay-giam-manh-dot-ngot","status":"publish","type":"post","link":"https:\/\/useful.vn\/?p=19398","title":{"rendered":"‘L\u00e3i su\u1ea5t th\u1eddi gian t\u1edbi kh\u00f3 t\u0103ng cao hay gi\u1ea3m m\u1ea1nh \u0111\u1ed9t ng\u1ed9t’"},"content":{"rendered":"
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\n‘L\u00e3i su\u1ea5t th\u1eddi gian t\u1edbi kh\u00f3 t\u0103ng cao hay gi\u1ea3m m\u1ea1nh \u0111\u1ed9t ng\u1ed9t’ <\/h1>\n

\u00d4ng L\u00ea Anh Tu\u1ea5n, T\u1ed5ng gi\u00e1m \u0111\u1ed1c Dragon Capital, d\u1ef1 b\u00e1o di\u1ec5n bi\u1ebfn l\u00e3i su\u1ea5t th\u1eddi gian t\u1edbi s\u1ebd \u1ed5n \u0111\u1ecbnh h\u01a1n, kh\u00f4ng t\u0103ng cao hay gi\u1ea3m m\u1ea1nh \u0111\u1ed9t ng\u1ed9t.<\/p>\n

Trong h\u1ed9i ngh\u1ecb nh\u00e0 \u0111\u1ea7u t\u01b0 chi\u1ec1u 13\/8, \u00f4ng L\u00ea Anh Tu\u1ea5n d\u1eabn nhi\u1ec1u s\u1ed1 li\u1ec7u cho th\u1ea5y m\u1eb7t b\u1eb1ng l\u00e3i su\u1ea5t huy \u0111\u1ed9ng \u0111ang neo cao. \u0110\u1ec9nh \u0111i\u1ec3m cho k\u1ef3 h\u1ea1n 6 th\u00e1ng l\u00ean \u0111\u1ebfn 9,5% m\u1ed9t n\u0103m, c\u00f2n b\u00ecnh qu\u00e2n to\u00e0n h\u1ec7 th\u1ed1ng l\u00e0 7%. V\u1edbi k\u1ef3 h\u1ea1n 12 th\u00e1ng, m\u1ee9c l\u00e3i dao \u0111\u1ed9ng 9-9,2%, trong khi \u0111\u1ea7u n\u0103m nay kho\u1ea3ng 6%. Nhi\u1ec1u ng\u00e2n h\u00e0ng c\u00f3 t\u00ecnh tr\u1ea1ng ch\u00eanh l\u1ec7ch gi\u1eefa b\u1ea3ng l\u00e3i su\u1ea5t ni\u00eam y\u1ebft c\u00f4ng khai v\u00e0 th\u1ef1c t\u1ebf huy \u0111\u1ed9ng.<\/p>\n

D\u1eabu v\u1eady, \u00f4ng Tu\u1ea5n cho r\u1eb1ng l\u00e3i su\u1ea5t th\u1eddi gian t\u1edbi “kh\u00f3 l\u00ean m\u1eb7t b\u1eb1ng cao m\u1edbi” b\u1edfi Ng\u00e2n h\u00e0ng Nh\u00e0 n\u01b0\u1edbc c\u00f3 nhi\u1ec1u \u0111\u1ed9ng th\u00e1i h\u1ed7 tr\u1ee3 thanh kho\u1ea3n. C\u1ee5 th\u1ec3, c\u01a1 quan n\u00e0y \u0111\u00e3 b\u01a1m ti\u1ec1n tr\u1ef1c ti\u1ebfp th\u00f4ng qua nghi\u1ec7p v\u1ee5 th\u1ecb tr\u01b0\u1eddng m\u1edf (OMO), c\u00f3 l\u00fac h\u01a1n 18,6 t\u1ef7 USD. \u0110\u00e2y l\u00e0 vi\u1ec7c nh\u00e0 \u0111i\u1ec1u h\u00e0nh mua l\u1ea1i gi\u1ea5y t\u1edd c\u00f3 gi\u00e1 t\u1eeb c\u00e1c ng\u00e2n h\u00e0ng th\u01b0\u01a1ng m\u1ea1i \u0111\u1ec3 \u0111i\u1ec1u ti\u1ebft thanh kho\u1ea3n v\u00e0 \u1ed5n \u0111\u1ecbnh l\u00e3i su\u1ea5t th\u1ecb tr\u01b0\u1eddng li\u00ean ng\u00e2n h\u00e0ng. Nh\u00e0 \u0111i\u1ec1u h\u00e0nh c\u0169ng giao d\u1ecbch ho\u00e1n \u0111\u1ed5i ngo\u1ea1i t\u1ec7 (FX swap) \u0111\u1ec3 cung \u1ee9ng cho h\u1ec7 th\u1ed1ng kho\u1ea3ng 3 t\u1ef7 USD.<\/p>\n

B\u00ean c\u1ea1nh \u0111\u00f3, Ng\u00e2n h\u00e0ng Nh\u00e0 n\u01b0\u1edbc c\u00f2n nhi\u1ec1u bi\u1ec7n ph\u00e1p gi\u00e1n ti\u1ebfp nh\u01b0 n\u1edbi l\u1ecfng c\u00e1ch t\u00ednh t\u1ef7 l\u1ec7 d\u01b0 n\u1ee3 cho vay tr\u00ean t\u1ed5ng ti\u1ec1n g\u1eedi (LDR), t\u0103ng t\u1ef7 l\u1ec7 v\u1ed1n ng\u1eafn h\u1ea1n cho vay trung d\u00e0i h\u1ea1n v\u00e0 ch\u1ec9 \u0111\u1ea1o h\u1ea1 nhi\u1ec7t l\u00e3i su\u1ea5t.<\/p>\n

T\u1ea1i bu\u1ed5i l\u00e0m vi\u1ec7c v\u1edbi Ng\u00e2n h\u00e0ng Nh\u00e0 n\u01b0\u1edbc v\u00e0 c\u00e1c t\u1ed5 ch\u1ee9c t\u00edn d\u1ee5ng s\u00e1ng 13\/8, 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

Song, CEO Dragon Capital nh\u1eadn \u0111\u1ecbnh trong b\u1ed1i c\u1ea3nh nhu c\u1ea7u t\u00edn d\u1ee5ng l\u1edbn c\u1ed9ng th\u00eam ch\u00eanh l\u1ec7ch ng\u00e0y c\u00e0ng r\u1ed9ng gi\u1eefa cho vay v\u00e0 huy \u0111\u1ed9ng, k\u1ecbch b\u1ea3n l\u00e3i su\u1ea5t \u0111\u1ed9t ng\u1ed9t \u0111i\u1ec1u ch\u1ec9nh m\u1ea1nh c\u0169ng kh\u00f3 x\u1ea3y ra, m\u00e0 kh\u1ea3 n\u0103ng cao s\u1ebd gi\u1ea3m ch\u1eadm.<\/p>\n

Theo \u00f4ng Tu\u1ea5n, \u0111\u1ec3 \u0111\u1ea1t m\u1ee5c ti\u00eau t\u0103ng tr\u01b0\u1edfng GDP b\u00ecnh qu\u00e2n 10% m\u1ed7i n\u0103m giai \u0111o\u1ea1n 2026-2030, Vi\u1ec7t Nam c\u1ea7n kho\u1ea3ng 1.460 t\u1ef7 USD v\u1ed1n \u0111\u1ea7u t\u01b0, trong \u0111\u00f3 khu v\u1ef1c t\u01b0 nh\u00e2n “g\u00e1nh” h\u01a1n ph\u00e2n n\u1eeda. \u0110\u00e2y l\u00e0 con s\u1ed1 cao ch\u01b0a t\u1eebng c\u00f3. Ri\u00eang 4 t\u1eadp \u0111o\u00e0n l\u1edbn g\u1ed3m Vingroup, Sun Group, Masterise v\u00e0 Thaco \u01b0\u1edbc t\u00ednh c\u00f3 nhu c\u1ea7u v\u1ed1n t\u1ed5ng c\u1ed9ng 65 t\u1ef7 USD.<\/p>\n

Ch\u00eanh l\u1ec7ch cho vay v\u00e0 huy \u0111\u1ed9ng t\u00ednh \u0111\u1ebfn gi\u1eefa n\u0103m nay l\u00ean 89 t\u1ef7 USD, trong khi cu\u1ed1i n\u0103m ngo\u00e1i ch\u1ec9 kho\u1ea3ng 68 t\u1ef7 USD. \u0110i\u1ec1u n\u00e0y ph\u1ea3n \u00e1nh th\u1ef1c t\u1ebf ng\u00e2n h\u00e0ng thi\u1ebfu v\u1ed1n \u0111\u1ec3 \u0111\u00e1p \u1ee9ng nhu c\u1ea7u cho vay trung d\u00e0i h\u1ea1n.<\/p>\n

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Nh\u00e2n vi\u00ean 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

M\u1ed9t s\u1ed1 ng\u00e2n h\u00e0ng v\u00e0 nh\u00f3m ph\u00e2n t\u00edch \u0111\u1ed9c l\u1eadp tr\u01b0\u1edbc \u0111\u00f3 \u0111\u01b0a ra nhi\u1ec1u <\/span>d\u1ef1 b\u00e1o<\/span> tr\u00e1i chi\u1ec1u v\u1ec1 xu h\u01b0\u1edbng l\u00e3i su\u1ea5t.<\/span><\/strong> \u00d4ng Ph\u1ea1m Nh\u01b0 \u00c1nh, T\u1ed5ng gi\u00e1m \u0111\u1ed1c Ng\u00e2n h\u00e0ng Qu\u00e2n \u0110\u1ed9i (MB), nghi\u00eang v\u1ec1 k\u1ecbch b\u1ea3n \u0111i ngang trong nh\u1eefng th\u00e1ng cu\u1ed1i n\u0103m. Theo \u00f4ng, thanh kho\u1ea3n h\u1ec7 th\u1ed1ng \u0111\u00e3 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 v\u1edbi 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

C\u00f2n theo l\u00e3nh \u0111\u1ea1o Ng\u00e2n h\u00e0ng \u00c1 Ch\u00e2u (ACB), l\u00e3i su\u1ea5t n\u1eeda cu\u1ed1i n\u0103m c\u00f3 th\u1ec3 t\u0103ng nh\u1eb9. Tuy nhi\u00ean, nh\u00e0 b\u0103ng n\u00e0y k\u1ef3 v\u1ecdng c\u00e1c ch\u00ednh s\u00e1ch ti\u1ec1n t\u1ec7 v\u00e0 t\u00e0i kh\u00f3a c\u00f3 th\u1ec3 gi\u00fap c\u1ea3i thi\u1ec7n thanh kho\u1ea3n, qua \u0111\u00f3 d\u1ea7n \u1ed5n \u0111\u1ecbnh v\u00e0 h\u1ea1 nhi\u1ec7t l\u00e3i su\u1ea5t.<\/p>\n

\u0110\u1ed3ng quan \u0111i\u1ec3m, \u00f4ng Cao Vi\u1ec7t H\u00f9ng, Gi\u00e1m \u0111\u1ed1c ph\u00e2n t\u00edch ng\u00e0nh t\u00e0i ch\u00ednh ng\u00e2n h\u00e0ng c\u1ee7a C\u00f4ng ty Ch\u1ee9ng kho\u00e1n ACB, d\u1ef1 \u0111o\u00e1n l\u00e3i su\u1ea5t huy \u0111\u1ed9ng s\u1ebd duy tr\u00ec \u1edf m\u1ee9c t\u01b0\u01a1ng \u0111\u1ed1i cao v\u00e0 ch\u1ec9 c\u00f3 th\u1ec3 gi\u1ea3m nh\u1eb9 0,2-0,5% trong n\u1eeda cu\u1ed1i n\u0103m nay n\u1ebfu ngu\u1ed3n v\u1ed1n \u0111\u1ea7u t\u01b0 tr\u1ef1c ti\u1ebfp v\u00e0 gi\u00e1n ti\u1ebfp n\u01b0\u1edbc ngo\u00e0i di\u1ec5n bi\u1ebfn t\u00edch c\u1ef1c. \u00d4ng cho r\u1eb1ng \u0111i\u1ec1u n\u00e0y ph\u1ee5 thu\u1ed9c r\u1ea5t l\u1edbn v\u00e0o di\u1ec5n bi\u1ebfn c\u0103ng th\u1eb3ng Trung \u0110\u00f4ng v\u00e0 gi\u00e1 d\u1ea7u th\u1ebf gi\u1edbi.<\/p>\n

Ph\u01b0\u01a1ng \u0110\u00f4ng<\/strong><\/p>\n<\/article>\n

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https:\/\/vnexpress.net\/lai-suat-thoi-gian-toi-kho-tang-cao-hay-giam-manh-dot-ngot-5108932.html<\/p>\n","protected":false},"excerpt":{"rendered":"

‘L\u00e3i su\u1ea5t th\u1eddi gian t\u1edbi kh\u00f3 t\u0103ng cao hay gi\u1ea3m m\u1ea1nh \u0111\u1ed9t ng\u1ed9t’ \u00d4ng L\u00ea Anh Tu\u1ea5n, T\u1ed5ng gi\u00e1m \u0111\u1ed1c Dragon Capital, d\u1ef1 b\u00e1o di\u1ec5n bi\u1ebfn l\u00e3i su\u1ea5t th\u1eddi gian t\u1edbi s\u1ebd \u1ed5n \u0111\u1ecbnh h\u01a1n, kh\u00f4ng t\u0103ng cao hay gi\u1ea3m m\u1ea1nh \u0111\u1ed9t ng\u1ed9t. Trong h\u1ed9i ngh\u1ecb nh\u00e0 \u0111\u1ea7u t\u01b0 chi\u1ec1u 13\/8, \u00f4ng L\u00ea Anh Tu\u1ea5n<\/p>\n","protected":false},"author":1,"featured_media":19399,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[14],"tags":[],"class_list":["post-19398","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\/19398","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=19398"}],"version-history":[{"count":0,"href":"https:\/\/useful.vn\/index.php?rest_route=\/wp\/v2\/posts\/19398\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/useful.vn\/index.php?rest_route=\/wp\/v2\/media\/19399"}],"wp:attachment":[{"href":"https:\/\/useful.vn\/index.php?rest_route=%2Fwp%2Fv2%2Fmedia&parent=19398"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/useful.vn\/index.php?rest_route=%2Fwp%2Fv2%2Fcategories&post=19398"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/useful.vn\/index.php?rest_route=%2Fwp%2Fv2%2Ftags&post=19398"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}