{"id":4201,"date":"2026-07-16T10:17:21","date_gmt":"2026-07-16T03:17:21","guid":{"rendered":"https:\/\/useful.vn\/?p=4201"},"modified":"2026-07-16T10:17:21","modified_gmt":"2026-07-16T03:17:21","slug":"ly-do-khong-tinh-khoan-vay-voi-18-du-an-cua-cac-tap-doan-lon-vao-room-tin-dung","status":"publish","type":"post","link":"https:\/\/useful.vn\/?p=4201","title":{"rendered":"L\u00fd do kh\u00f4ng t\u00ednh kho\u1ea3n vay v\u1edbi 18 d\u1ef1 \u00e1n c\u1ee7a c\u00e1c t\u1eadp \u0111o\u00e0n l\u1edbn v\u00e0o ‘room’ t\u00edn d\u1ee5ng"},"content":{"rendered":"
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\nL\u00fd do kh\u00f4ng t\u00ednh kho\u1ea3n vay v\u1edbi 18 d\u1ef1 \u00e1n c\u1ee7a c\u00e1c t\u1eadp \u0111o\u00e0n l\u1edbn v\u00e0o ‘room’ t\u00edn d\u1ee5ng <\/h1>\n

Vi\u1ec7c kh\u00f4ng t\u00ednh room t\u00edn d\u1ee5ng v\u1edbi c\u00e1c kho\u1ea3n vay cho 18 d\u1ef1 \u00e1n c\u1ee7a Vingroup, Masterise v\u00e0 Sun Group nh\u1eb1m ph\u00e1t tri\u1ec3n kinh t\u1ebf, theo \u0111\u1ea1i di\u1ec7n Ng\u00e2n h\u00e0ng Nh\u00e0 n\u01b0\u1edbc.<\/p>\n

Cu\u1ed1i th\u00e1ng 6, Ng\u00e2n h\u00e0ng Nh\u00e0 n\u01b0\u1edbc \u0111\u00e3 cho ph\u00e9p lo\u1ea1i tr\u1eeb d\u01b0 n\u1ee3 ph\u00e1t sinh v\u1edbi m\u1ed9t s\u1ed1 d\u1ef1 \u00e1n c\u1ee7a Vingroup, Sun Group v\u00e0 Masterise khi t\u00ednh ‘room’ t\u00edn d\u1ee5ng c\u1ee7a ng\u00e2n h\u00e0ng. Danh m\u1ee5c d\u1ef1 \u00e1n theo ki\u1ebfn ngh\u1ecb c\u1ee7a c\u00e1c c\u00f4ng ty n\u00e0y c\u00f3 t\u1ed5ng nhu c\u1ea7u v\u1ed1n kho\u1ea3ng 752.138 t\u1ef7 \u0111\u1ed3ng, t\u1eadp trung v\u00e0o h\u1ea1 t\u1ea7ng giao th\u00f4ng, \u0111\u01b0\u1eddng s\u1eaft \u0111\u00f4 th\u1ecb, s\u00e2n bay v\u00e0 b\u1ea5t \u0111\u1ed9ng s\u1ea3n.<\/p>\n

T\u1ea1i h\u1ecdp b\u00e1o c\u1ee7a Ng\u00e2n h\u00e0ng Nh\u00e0 n\u01b0\u1edbc di\u1ec5n ra ng\u00e0y 2\/7, \u00f4ng Ph\u1ea1m Ch\u00ed Quang, V\u1ee5 tr\u01b0\u1edfng Ch\u00ednh s\u00e1ch ti\u1ec1n t\u1ec7, cho bi\u1ebft \u0111\u1ed9ng th\u00e1i tr\u00ean nh\u1eb1m \u0111\u00f3ng g\u00f3p v\u00e0o vi\u1ec7c ph\u00e1t tri\u1ec3n n\u1ec1n kinh t\u1ebf. Ba c\u00f4ng ty n\u00e0y \u0111\u1ec1u \u0111ang th\u1ef1c hi\u1ec7n c\u00e1c d\u1ef1 \u00e1n tr\u1ecdng \u0111i\u1ec3m qu\u1ed1c gia, c\u00f3 t\u00ednh lan t\u1ecfa l\u1edbn \u0111\u1ebfn n\u1ec1n kinh t\u1ebf. Ngo\u00e0i ra, vi\u1ec7c h\u1ed7 tr\u1ee3 n\u00e0y c\u00f2n th\u1ec3 hi\u1ec7n s\u1ef1 quan t\u00e2m \u0111\u1eb7c bi\u1ec7t c\u1ee7a \u0110\u1ea3ng v\u00e0 Nh\u00e0 n\u01b0\u1edbc \u0111\u1ed1i v\u1edbi c\u00e1c l\u0129nh v\u1ef1c ph\u1ee5c v\u1ee5 an sinh x\u00e3 h\u1ed9i.<\/p>\n

Ngo\u00e0i 18 d\u1ef1 \u00e1n c\u1ee7a 3 t\u1eadp \u0111o\u00e0n, c\u00e1c ch\u01b0\u01a1ng tr\u00ecnh nh\u00e0 \u1edf x\u00e3 h\u1ed9i, nh\u00e0 cho thu\u00ea, b\u1ea5t \u0111\u1ed9ng s\u1ea3n khu c\u00f4ng nghi\u1ec7p, ch\u1ebf xu\u1ea5t… c\u0169ng l\u00e0 \u0111\u1ed9ng l\u1ef1c gi\u00fap t\u0103ng tr\u01b0\u1edfng GDP. Do \u0111\u00f3, \u00d4ng Ph\u1ea1m Ch\u00ed Quang cho bi\u1ebft Ng\u00e2n h\u00e0ng Nh\u00e0 n\u01b0\u1edbc quy\u1ebft \u0111\u1ecbnh kh\u00f4ng t\u00ednh d\u01b0 n\u1ee3 t\u0103ng th\u00eam v\u00e0o “room” t\u00edn d\u1ee5ng \u0111\u1ec3 c\u00e1c doanh nghi\u1ec7p an t\u00e2m \u0111\u1ea7u t\u01b0 v\u00e0o c\u00e1c d\u1ef1 \u00e1n tr\u1ecdng \u0111i\u1ec3m qu\u1ed1c gia.<\/p>\n

V\u1edbi c\u00e1c gi\u1ea3i ph\u00e1p \u0111\u1ed3ng b\u1ed9 nh\u01b0 v\u1eady, Ng\u00e2n h\u00e0ng Nh\u00e0 n\u01b0\u1edbc \u0111ang \u0111\u1ed3ng th\u1eddi t\u1ea1o th\u00eam ngu\u1ed3n v\u1ed1n cho n\u1ec1n kinh t\u1ebf, gi\u1eef \u1ed5n \u0111\u1ecbnh m\u1eb7t b\u1eb1ng l\u00e3i su\u1ea5t th\u1ecb tr\u01b0\u1eddng, b\u1ea3o \u0111\u1ea3m thanh kho\u1ea3n c\u1ee7a h\u1ec7 th\u1ed1ng. C\u00e1c ch\u00ednh s\u00e1ch m\u1edbi c\u00f2n gi\u00fap h\u01b0\u1edbng d\u00f2ng v\u1ed1n t\u00edn d\u1ee5ng v\u00e0o c\u00e1c l\u0129nh v\u1ef1c \u01b0u ti\u00ean v\u00e0 \u0111\u1ed9ng l\u1ef1c t\u0103ng tr\u01b0\u1edfng m\u1edbi c\u1ee7a n\u1ec1n kinh t\u1ebf. <\/p>\n

C\u0169ng trong cu\u1ed9c h\u1ecdp b\u00e1o, \u00f4ng Nguy\u1ec5n Xu\u00e2n B\u1eafc, Ph\u00f3 v\u1ee5 tr\u01b0\u1edfng T\u00edn d\u1ee5ng, cho bi\u1ebft t\u1ed5ng d\u01b0 n\u1ee3 to\u00e0n n\u1ec1n kinh t\u1ebf \u0111\u1ea1t 19,97 tri\u1ec7u t\u1ef7 \u0111\u1ed3ng, t\u00ednh \u0111\u1ebfn ng\u00e0y 26\/6, t\u0103ng 7,41% so v\u1edbi cu\u1ed1i n\u0103m ngo\u00e1i. So v\u1edbi c\u00f9ng k\u1ef3 n\u0103m ngo\u00e1i, ch\u1ec9 s\u1ed1 n\u00e0y t\u0103ng 18%. <\/p>\n

T\u00edn d\u1ee5ng \u0111\u1ed1i v\u1edbi l\u0129nh v\u1ef1c th\u01b0\u01a1ng m\u1ea1i, d\u1ecbch v\u1ee5 chi\u1ebfm 70,07%, trong khi d\u01b0 n\u1ee3 cho vay v\u1edbi n\u00f4ng, l\u00e2m, th\u1ee7y s\u1ea3n l\u00e0 6,13%. Ph\u1ea7n c\u00f2n l\u1ea1i thu\u1ed9c v\u1ec1 c\u00f4ng nghi\u1ec7p v\u00e0 x\u00e2y d\u1ef1ng, t\u01b0\u01a1ng \u0111\u01b0\u01a1ng 23,8%.<\/p>\n

“D\u00f2ng v\u1ed1n ti\u1ebfp t\u1ee5c \u0111\u01b0\u1ee3c \u0111\u1ecbnh h\u01b0\u1edbng v\u00e0o c\u00e1c l\u0129nh v\u1ef1c s\u1ea3n xu\u1ea5t, kinh doanh v\u00e0 \u01b0u ti\u00ean, \u0111\u1ed3ng th\u1eddi t\u00edn d\u1ee5ng \u0111\u1ed1i v\u1edbi c\u00e1c l\u0129nh v\u1ef1c ti\u1ec1m \u1ea9n r\u1ee7i ro v\u1eabn \u0111\u01b0\u1ee3c theo d\u00f5i, ki\u1ec3m so\u00e1t ch\u1eb7t ch\u1ebd”, \u00f4ng Nguy\u1ec5n Xu\u00e2n B\u1eafc th\u00f4ng tin.<\/p>\n

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\u00d4ng Nguy\u1ec5n Xu\u00e2n B\u1eafc, Ph\u00f3 v\u1ee5 tr\u01b0\u1edfng T\u00edn d\u1ee5ng (Ng\u00e2n h\u00e0ng Nh\u00e0 n\u01b0\u1edbc), tr\u1ea3 l\u1eddi c\u00e2u h\u1ecfi t\u1ea1i h\u1ecdp b\u00e1o Ng\u00e2n h\u00e0ng Nh\u00e0 n\u01b0\u1edbc ng\u00e0y 2\/7. \u1ea2nh: Ng\u00e2n h\u00e0ng Nh\u00e0 n\u01b0\u1edbc<\/em><\/p>\n<\/figcaption><\/figure>\n

N\u0103m nay, Ng\u00e2n h\u00e0ng Nh\u00e0 n\u01b0\u1edbc d\u1ef1 ki\u1ebfn t\u0103ng tr\u01b0\u1edfng t\u00edn d\u1ee5ng to\u00e0n h\u1ec7 th\u1ed1ng kho\u1ea3ng 15%. C\u01a1 ch\u1ebf h\u1ea1n m\u1ee9c t\u00edn d\u1ee5ng \u0111\u00e3 \u0111\u01b0\u1ee3c c\u01a1 quan n\u00e0y duy tr\u00ec su\u1ed1t ch\u1ee5c n\u0103m qua, t\u1ea1o n\u00ean c\u00f4ng c\u1ee5 \u0111\u1ec3 ki\u1ec3m so\u00e1t ch\u1ea5t l\u01b0\u1ee3ng cho vay c\u0169ng nh\u01b0 ph\u1ee5c v\u1ee5 c\u00e1c m\u1ee5c ti\u00eau kinh t\u1ebf v\u0129 m\u00f4 kh\u00e1c nh\u01b0 l\u00e3i su\u1ea5t, cung ti\u1ec1n v\u00e0 l\u1ea1m ph\u00e1t.<\/p>\n

Ch\u00ednh ph\u1ee7 \u0111\u00e3 y\u00eau c\u1ea7u B\u1ed9 T\u00e0i ch\u00ednh v\u00e0 Ng\u00e2n h\u00e0ng Nh\u00e0 n\u01b0\u1edbc nghi\u00ean c\u1ee9u n\u00e2ng t\u1ef7 l\u1ec7 ti\u1ec1n g\u1eedi c\u00f3 k\u1ef3 h\u1ea1n c\u1ee7a Kho b\u1ea1c Nh\u00e0 n\u01b0\u1edbc t\u1ea1i c\u00e1c ng\u00e2n h\u00e0ng th\u01b0\u01a1ng m\u1ea1i nh\u1eb1m b\u1ed5 sung thanh kho\u1ea3n cho h\u1ec7 th\u1ed1ng. Theo \u0111\u00f3, ng\u00e2n qu\u1ef9 nh\u00e0 n\u01b0\u1edbc t\u1ea1m th\u1eddi nh\u00e0n r\u1ed7i \u0111\u01b0\u1ee3c \u01b0u ti\u00ean s\u1eed d\u1ee5ng \u0111\u1ec3 t\u1ea1m \u1ee9ng cho ng\u00e2n s\u00e1ch trung \u01b0\u01a1ng v\u00e0 \u0111\u1ecba ph\u01b0\u01a1ng vay. Ph\u1ea7n ch\u01b0a s\u1eed d\u1ee5ng s\u1ebd \u0111\u01b0\u1ee3c d\u00f9ng \u0111\u1ec3 mua b\u00e1n l\u1ea1i tr\u00e1i phi\u1ebfu Ch\u00ednh ph\u1ee7 ho\u1eb7c g\u1eedi c\u00f3 k\u1ef3 h\u1ea1n t\u1ea1i c\u00e1c ng\u00e2n h\u00e0ng th\u01b0\u01a1ng m\u1ea1i.<\/p>\n

T\u1ea1i h\u1ecdp b\u00e1o, \u00f4ng Ph\u1ea1m Ch\u00ed Quang, V\u1ee5 tr\u01b0\u1edfng Ch\u00ednh s\u00e1ch ti\u1ec1n t\u1ec7, cho r\u1eb1ng ch\u00ednh s\u00e1ch n\u00e0y s\u1ebd gi\u00fap Ng\u00e2n h\u00e0ng Nh\u00e0 n\u01b0\u1edbc gi\u1ea3i quy\u1ebft c\u00e2u chuy\u1ec7n li\u00ean quan \u0111\u1ebfn thanh kho\u1ea3n. Kh\u00f3 kh\u0103n l\u1edbn nh\u1ea5t c\u1ee7a h\u1ec7 th\u1ed1ng nhi\u1ec1u n\u0103m qua l\u00e0 t\u1ed1c \u0111\u1ed9 t\u0103ng tr\u01b0\u1edfng huy \u0111\u1ed9ng v\u1ed1n lu\u00f4n th\u1ea5p h\u01a1n t\u00edn d\u1ee5ng. B\u00ecnh qu\u00e2n giai \u0111o\u1ea1n 2021-2025, t\u1ed1c \u0111\u1ed9 t\u0103ng tr\u01b0\u1edfng t\u00edn d\u1ee5ng lu\u00f4n cao h\u01a1n t\u1ed1c \u0111\u1ed9 t\u0103ng tr\u01b0\u1edfng huy \u0111\u1ed9ng kho\u1ea3ng 3,8 \u0111i\u1ec3m ph\u1ea7n tr\u0103m.<\/p>\n

C\u1eadp nh\u1eadt \u0111\u1ebfn ng\u00e0y 15\/6, t\u0103ng tr\u01b0\u1edfng t\u00edn d\u1ee5ng \u0111\u1ea1t kho\u1ea3ng 6,38%, trong khi huy \u0111\u1ed9ng v\u1ed1n ch\u1ec9 t\u0103ng kho\u1ea3ng 4,3%, t\u1ee9c v\u1eabn c\u00f2n ch\u00eanh l\u1ec7ch tr\u00ean 2 \u0111i\u1ec3m ph\u1ea7n tr\u0103m. “\u0110i\u1ec1u n\u00e0y khi\u1ebfn c\u00e1c ch\u1ec9 ti\u00eau an to\u00e0n thanh kho\u1ea3n c\u1ee7a h\u1ec7 th\u1ed1ng ch\u1ecbu \u00e1p l\u1ef1c r\u1ea5t l\u1edbn”, \u00f4ng Quang n\u00f3i.<\/p>\n

Theo \u0111\u1ea1i di\u1ec7n Ng\u00e2n h\u00e0ng Nh\u00e0 n\u01b0\u1edbc, h\u1ec7 s\u1ed1 cho vay tr\u00ean huy \u0111\u1ed9ng (LDR) c\u1ee7a h\u1ec7 th\u1ed1ng ng\u00e2n h\u00e0ng Vi\u1ec7t Nam hi\u1ec7n dao \u0111\u1ed9ng kho\u1ea3ng 112-113%, m\u1ee9c kh\u00e1 cao. \u0110i\u1ec1u \u0111\u00f3 c\u00f3 ngh\u0129a l\u00e0 c\u1ee9 100 \u0111\u1ed3ng v\u1ed1n huy \u0111\u1ed9ng th\u00ec h\u1ec7 th\u1ed1ng \u0111ang cho vay kho\u1ea3ng 112-113 \u0111\u1ed3ng. Ph\u1ea7n ch\u00eanh l\u1ec7ch ph\u1ea3i \u0111\u01b0\u1ee3c b\u00f9 \u0111\u1eafp t\u1eeb c\u00e1c ngu\u1ed3n v\u1ed1n kh\u00e1c.<\/p>\n

Tuy nhi\u00ean, theo chia s\u1ebb c\u1ee7a V\u1ee5 tr\u01b0\u1edfng Ch\u00ednh s\u00e1ch ti\u1ec1n t\u1ec7, t\u1ea5t c\u1ea3 ng\u00e2n h\u00e0ng \u0111\u1ec1u \u0111\u00e1p \u1ee9ng \u0111\u01b0\u1ee3c nhu c\u1ea7u r\u00fat ti\u1ec1n c\u1ee7a kh\u00e1ch h\u00e0ng, kh\u00f4ng g\u1eb7p t\u00ecnh tr\u1ea1ng m\u1ea5t thanh kho\u1ea3n. Tuy nhi\u00ean, ch\u00eanh l\u1ec7ch l\u1edbn gi\u1eefa ngu\u1ed3n v\u1ed1n huy \u0111\u1ed9ng v\u00e0 nhu c\u1ea7u s\u1eed d\u1ee5ng v\u1ed1n, \u0111\u00e3 khi\u1ebfn l\u00e3i su\u1ea5t huy \u0111\u1ed9ng c\u00f3 xu h\u01b0\u1edbng t\u0103ng, \u0111\u1eb7c bi\u1ec7t t\u1eeb cu\u1ed1i th\u00e1ng 11\/2025 tr\u1edf l\u1ea1i \u0111\u00e2y.<\/p>\n

\u0110\u1ec3 h\u1ed7 tr\u1ee3 cho thanh kho\u1ea3n c\u1ee7a c\u00e1c ng\u00e2n h\u00e0ng, Ch\u00ednh ph\u1ee7 \u0111\u00e3 cho ph\u00e9p n\u00e2ng m\u1ee9c ti\u1ec1n g\u1eedi t\u1ef7 l\u1ec7 ti\u1ec1n g\u1eedi c\u00f3 k\u1ef3 h\u1ea1n c\u1ee7a Kho b\u1ea1c Nh\u00e0 n\u01b0\u1edbc t\u1ea1i c\u00e1c ng\u00e2n h\u00e0ng th\u01b0\u01a1ng m\u1ea1i. Tr\u01b0\u1edbc \u0111\u00f3, theo quy \u0111\u1ecbnh c\u1ee7a ph\u00e1p lu\u1eadt t\u1ed5ng h\u1ea1n m\u1ee9c s\u1eed d\u1ee5ng ng\u00e2n qu\u1ef9 nh\u00e0 n\u01b0\u1edbc t\u1ea1m th\u1eddi nh\u00e0n r\u1ed7i \u0111\u1ec3 g\u1eedi c\u00f3 k\u1ef3 h\u1ea1n t\u1ea1i nh\u00e0 b\u0103ng v\u00e0 mua l\u1ea1i c\u00f3 k\u1ef3 h\u1ea1n tr\u00e1i phi\u1ebfu Ch\u00ednh ph\u1ee7 kh\u00f4ng \u0111\u01b0\u1ee3c qu\u00e1 50%.<\/p>\n

Song song v\u1edbi \u0111\u00f3, Ng\u00e2n h\u00e0ng Nh\u00e0 n\u01b0\u1edbc c\u0169ng \u0111\u00e3 \u0111i\u1ec1u ch\u1ec9nh m\u1ed9t s\u1ed1 h\u1ec7 s\u1ed1 an to\u00e0n k\u1ef9 thu\u1eadt, trong \u0111\u00f3 cho ph\u00e9p t\u00ednh m\u1ed9t ph\u1ea7n s\u1ed1 d\u01b0 ti\u1ec1n g\u1eedi c\u1ee7a Kho b\u1ea1c Nh\u00e0 n\u01b0\u1edbc v\u00e0o h\u1ec7 s\u1ed1 an to\u00e0n c\u1ee7a c\u00e1c ng\u00e2n h\u00e0ng. Trong th\u1eddi gian t\u1edbi, n\u1ebfu c\u1ea7n thi\u1ebft, c\u01a1 quan qu\u1ea3n l\u00fd s\u1ebd ti\u1ebfp t\u1ee5c nghi\u00ean c\u1ee9u \u0111i\u1ec1u ch\u1ec9nh c\u00e1c quy \u0111\u1ecbnh ph\u00f9 h\u1ee3p nh\u1eb1m h\u1ed7 tr\u1ee3 h\u1ec7 th\u1ed1ng c\u1ea3i thi\u1ec7n c\u00e1c ch\u1ec9 ti\u00eau an to\u00e0n.<\/p>\n

Tr\u1ecdng Hi\u1ebfu<\/strong><\/p>\n<\/article>\n

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L\u00fd do kh\u00f4ng t\u00ednh kho\u1ea3n vay v\u1edbi 18 d\u1ef1 \u00e1n c\u1ee7a c\u00e1c t\u1eadp \u0111o\u00e0n l\u1edbn v\u00e0o ‘room’ t\u00edn d\u1ee5ng Vi\u1ec7c kh\u00f4ng t\u00ednh room t\u00edn d\u1ee5ng v\u1edbi c\u00e1c kho\u1ea3n vay cho 18 d\u1ef1 \u00e1n c\u1ee7a Vingroup, Masterise v\u00e0 Sun Group nh\u1eb1m ph\u00e1t tri\u1ec3n kinh t\u1ebf, theo \u0111\u1ea1i di\u1ec7n Ng\u00e2n h\u00e0ng Nh\u00e0 n\u01b0\u1edbc. Cu\u1ed1i th\u00e1ng 6, Ng\u00e2n<\/p>\n","protected":false},"author":1,"featured_media":4202,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[14],"tags":[],"class_list":["post-4201","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\/4201","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=4201"}],"version-history":[{"count":0,"href":"https:\/\/useful.vn\/index.php?rest_route=\/wp\/v2\/posts\/4201\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/useful.vn\/index.php?rest_route=\/wp\/v2\/media\/4202"}],"wp:attachment":[{"href":"https:\/\/useful.vn\/index.php?rest_route=%2Fwp%2Fv2%2Fmedia&parent=4201"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/useful.vn\/index.php?rest_route=%2Fwp%2Fv2%2Fcategories&post=4201"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/useful.vn\/index.php?rest_route=%2Fwp%2Fv2%2Ftags&post=4201"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}