{"id":21709,"date":"2023-06-27T11:23:00","date_gmt":"2023-06-27T04:23:00","guid":{"rendered":"http:\/\/infina.vn\/blog\/?p=21709"},"modified":"2023-11-06T09:40:06","modified_gmt":"2023-11-06T02:40:06","slug":"vi-sao-nhnn-ha-lai-suat-dieu-hanh-4-lan-nhung-tang-truong-tin-dung-van-thap","status":"publish","type":"post","link":"https:\/\/infina.vn\/blog\/vi-sao-nhnn-ha-lai-suat-dieu-hanh-4-lan-nhung-tang-truong-tin-dung-van-thap\/","title":{"rendered":"V\u00ec sao NHNN h\u1ea1 l\u00e3i su\u1ea5t \u0111i\u1ec1u h\u00e0nh 4 l\u1ea7n nh\u01b0ng t\u0103ng tr\u01b0\u1edfng t\u00edn d\u1ee5ng v\u1eabn th\u1ea5p?"},"content":{"rendered":"\n\n
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\n \u0110\u00e1nh gi\u00e1 t\u1ea1i \u0111\u00e2y<\/span>\n <\/div>\n <\/div>\n

Theo Ph\u00f3 Th\u1ed1ng \u0111\u1ed1c Ng\u00e2n h\u00e0ng Nh\u00e0 n\u01b0\u1edbc (NHNN) \u0110\u00e0o Minh T\u00fa, t\u0103ng tr\u01b0\u1edfng t\u00edn d\u1ee5ng v\u1eabn ch\u1eadm do nhi\u1ec1u nguy\u00ean nh\u00e2n kh\u00e1ch quan v\u00e0 ch\u1ee7 quan t\u1eeb c\u1ea3 doanh nghi\u1ec7p v\u00e0 ng\u00e2n h\u00e0ng. Tuy nhi\u00ean, Ng\u00e2n h\u00e0ng Nh\u00e0 n\u01b0\u1edbc \u0111\u00e3 c\u00f3 c\u00e1c bi\u1ec7n ph\u00e1p nh\u1eb1m \u0111\u1ea9y m\u1ea1nh t\u0103ng tr\u01b0\u1edfng t\u00edn d\u1ee5ng.<\/p>\n

Trong cu\u1ed9c h\u1ecdp b\u00e1o th\u00f4ng tin k\u1ebft qu\u1ea3 6 th\u00e1ng \u0111\u1ea7u n\u0103m c\u1ee7a NHNN, \u00f4ng \u0110\u00e0o Minh T\u00fa cho bi\u1ebft, hi\u1ec7n nay vi\u1ec7c \u0111i\u1ec1u h\u00e0nh ch\u00ednh s\u00e1ch c\u1ee7a NHNN \u0111ang g\u1eb7p kh\u00f3 kh\u0103n ch\u01b0a t\u1eebng c\u00f3.<\/p>\n

“Ch\u00fang t\u00f4i nh\u1eadn th\u1ea5y r\u1eb1ng doanh nghi\u1ec7p \u0111ang g\u1eb7p nhi\u1ec1u kh\u00f3 kh\u0103n. H\u00e0ng t\u1ed3n kho t\u0103ng l\u00ean, m\u1ed9t s\u1ed1 doanh nghi\u1ec7p \u0111\u00e3 gi\u1ea3m s\u1ed1 l\u01b0\u1ee3ng c\u00f4ng nh\u00e2n v\u00e0 lao \u0111\u1ed9ng trong khi gi\u00e1 c\u1ee7a nhi\u1ec1u m\u1eb7t h\u00e0ng c\u0169ng t\u0103ng cao… S\u1ee9c mua v\u00e0 s\u1ee9c c\u1ea7u c\u1ee7a c\u1ea3 trong v\u00e0 ngo\u00e0i n\u01b0\u1edbc \u0111\u1ec1u gi\u1ea3m”, \u00f4ng T\u00fa n\u00f3i. Theo \u00f4ng, nh\u1eefng t\u00ecnh h\u00ecnh tr\u00ean \u0111\u00e3 t\u00e1c \u0111\u1ed9ng \u0111\u1ebfn vi\u1ec7c \u0111i\u1ec1u h\u00e0nh ch\u00ednh s\u00e1ch ti\u1ec1n t\u1ec7.<\/p>\n

\"S\u1ee9c<\/p>\n

Theo \u00f4ng T\u00fa, trong n\u0103m 2022, NHNN \u0111\u00e3 t\u0103ng l\u00e3i su\u1ea5t \u0111i\u1ec1u h\u00e0nh hai l\u1ea7n, nh\u01b0ng sang n\u0103m 2023, NHNN \u0111\u00e3 gi\u1ea3m l\u00e3i su\u1ea5t \u0111i\u1ec1u h\u00e0nh b\u1ed1n l\u1ea7n. C\u1ee5 th\u1ec3, t\u1eeb th\u00e1ng 3\/2023, sau khi nh\u1eadn th\u1ea5y d\u1ea5u hi\u1ec7u t\u00edch c\u1ef1c trong n\u1ec1n kinh t\u1ebf, NHNN \u0111\u00e3 nhanh ch\u00f3ng gi\u1ea3m l\u00e3i su\u1ea5t. G\u1ea7n \u0111\u00e2y, v\u00e0o ng\u00e0y 16\/6, NHNN \u0111\u00e3 th\u1ef1c hi\u1ec7n l\u1ea7n gi\u1ea3m l\u00e3i su\u1ea5t<\/a> \u0111i\u1ec1u h\u00e0nh th\u1ee9 t\u01b0. \u0110\u00e2y l\u00e0 nh\u1eefng bi\u1ec7n ph\u00e1p c\u1ee5 th\u1ec3 v\u00e0 tr\u1ef1c ti\u1ebfp nh\u1eb1m khuy\u1ebfn kh\u00edch c\u00e1c ng\u00e2n h\u00e0ng th\u01b0\u01a1ng m\u1ea1i gi\u1ea3m l\u00e3i su\u1ea5t huy \u0111\u1ed9ng v\u00e0 cho vay.<\/p>\n

Xem th\u00eam: L\u00e3i su\u1ea5t ti\u1ebft ki\u1ec7m ng\u00e2n h\u00e0ng 06\/2023 n\u00e0o cao nh\u1ea5t hi\u1ec7n nay?<\/a><\/p>\n

\"Di\u1ec5n
Di\u1ec5n bi\u1ebfn \u0111i\u1ec1u ch\u1ec9nh l\u00e3i su\u1ea5t \u0111i\u1ec1u h\u00e0nh c\u1ee7a NHNN<\/figcaption><\/figure>\n

\u00d4ng T\u00fa cho bi\u1ebft, t\u00ednh \u0111\u1ebfn ng\u00e0y 15\/6, d\u01b0 n\u1ee3 t\u00edn d\u1ee5ng tr\u00ean to\u00e0n n\u1ec1n kinh t\u1ebf \u0111\u1ea1t kho\u1ea3ng 12,32 tri\u1ec7u t\u1ef7 \u0111\u1ed3ng, t\u0103ng 3,36% so v\u1edbi cu\u1ed1i n\u0103m 2022 v\u00e0 t\u0103ng 8,94% so v\u1edbi c\u00f9ng k\u1ef3 n\u0103m tr\u01b0\u1edbc.<\/p>\n

“Vi\u1ec7c t\u0103ng tr\u01b0\u1edfng t\u00edn d\u1ee5ng \u1edf m\u1ee9c 3,36% kh\u00f4ng \u0111\u01b0\u1ee3c coi l\u00e0 t\u0103ng tr\u01b0\u1edfng nhanh. Tuy nhi\u00ean, \u0111i\u1ec1u n\u00e0y kh\u00f4ng c\u00f3 ngh\u0129a l\u00e0 ng\u00e2n h\u00e0ng t\u0103ng tr\u01b0\u1edfng t\u00edn d\u1ee5ng b\u1eb1ng c\u00e1ch h\u1ea1 chu\u1ea9n t\u00edn d\u1ee5ng, cung c\u1ea5p ti\u1ec1n m\u1ed9t c\u00e1ch v\u00f4 \u0111\u1ed1i. T\u0103ng tr\u01b0\u1edfng t\u00edn d\u1ee5ng v\u1eabn \u0111\u01b0\u1ee3c \u0111\u1ea3m b\u1ea3o an to\u00e0n v\u00e0 mang l\u1ea1i hi\u1ec7u qu\u1ea3”, \u00f4ng T\u00fa kh\u1eb3ng \u0111\u1ecbnh.<\/p>\n

\u00d4ng T\u00fa c\u0169ng cho bi\u1ebft r\u1eb1ng, tr\u01b0\u1edbc t\u00ecnh h\u00ecnh kh\u00f3 kh\u0103n c\u1ee7a c\u00e1c ngu\u1ed3n v\u1ed1n th\u1ecb tr\u01b0\u1eddng nh\u01b0 tr\u00e1i phi\u1ebfu, ch\u1ee9ng kho\u00e1n v\u00e0 th\u1ecb tr\u01b0\u1eddng b\u1ea5t \u0111\u1ed9ng s\u1ea3n ch\u01b0a ph\u1ee5c h\u1ed3i nhanh v\u00e0 \u0111ang g\u1eb7p kh\u00f3 kh\u0103n, tr\u00e1ch nhi\u1ec7m cung c\u1ea5p ngu\u1ed3n v\u1ed1n c\u1ee7a ng\u00e2n h\u00e0ng tr\u1edf n\u00ean n\u1eb7ng n\u1ec1 h\u01a1n.<\/p>\n

“M\u1ecdi ng\u01b0\u1eddi \u0111\u1ec1u mong mu\u1ed1n l\u00e3i su\u1ea5t cho vay th\u1ea5p, ngu\u1ed3n ti\u1ec1n vay l\u1edbn \u0111\u1ec3 h\u1ed7 tr\u1ee3 doanh nghi\u1ec7p. Ng\u00e2n h\u00e0ng c\u0169ng mong mu\u1ed1n nh\u01b0 v\u1eady, nh\u01b0ng \u0111\u1ec3 gi\u1ea3i quy\u1ebft v\u1ea5n \u0111\u1ec1 n\u00e0y, c\u1ea7n thi\u1ebft ph\u1ea3i duy tr\u00ec s\u1ef1 c\u00e2n b\u1eb1ng v\u00e0 t\u1ea1o ra s\u1ef1 h\u00e0i ho\u00e0 gi\u1eefa kh\u1ea3 n\u0103ng vay v\u00e0 kh\u1ea3 n\u0103ng h\u1ea5p th\u1ee5 v\u1ed1n c\u1ee7a doanh nghi\u1ec7p. Vai tr\u00f2 n\u00e0y thu\u1ed9c tr\u00e1ch nhi\u1ec7m c\u1ee7a nh\u00e0 n\u01b0\u1edbc”, l\u00e3nh \u0111\u1ea1o NHNN n\u00f3i th\u00eam.<\/p>\n

NHNN nh\u1eadn th\u1ee9c r\u1eb1ng m\u1ed9t s\u1ed1 doanh nghi\u1ec7p k\u1ef3 v\u1ecdng gi\u1ea3m l\u00e3i su\u1ea5t h\u01a1n n\u1eefa v\u00e0 t\u00ecm c\u00e1ch gi\u1ea3i quy\u1ebft t\u00edch c\u1ef1c h\u01a1n. Nhi\u1ec7m v\u1ee5 n\u00e0y \u0111\u00e3 \u0111\u01b0\u1ee3c \u0111\u1eb7t ra cho 6 th\u00e1ng ti\u1ebfp theo c\u1ee7a NHNN.<\/p>\n

Theo Ph\u00f3 Th\u1ed1ng \u0111\u1ed1c, kh\u1ea3 n\u0103ng cung \u1ee9ng v\u1ed1n c\u1ee7a ng\u00e0nh ng\u00e2n h\u00e0ng \u0111\u1ed1i v\u1edbi n\u1ec1n kinh t\u1ebf \u0111\u00e3 \u0111\u1ea7y \u0111\u1ee7 v\u00e0 s\u1eb5n s\u00e0ng. Tuy nhi\u00ean, v\u1ea5n \u0111\u1ec1 n\u1eb1m \u1edf vi\u1ec7c h\u1ea5p th\u1ee5 v\u1ed1n ch\u1eadm do c\u1ea3 y\u1ebfu t\u1ed1 kh\u00e1ch quan v\u00e0 ch\u1ee7 quan t\u1eeb c\u1ea3 ng\u00e2n h\u00e0ng v\u00e0 doanh nghi\u1ec7p.<\/p>\n

\u0110\u1ec3 \u0111\u00e1p \u1ee9ng nh\u1eefng lo ng\u1ea1i v\u1ec1 vi\u1ec7c l\u00e3i su\u1ea5t cho vay v\u1eabn cao, Ph\u00f3 Th\u1ed1ng \u0111\u1ed1c cho bi\u1ebft r\u1eb1ng khi gi\u1ea3m l\u00e3i su\u1ea5t \u0111i\u1ec1u h\u00e0nh, s\u1ebd c\u00f3 m\u1ed9t \u0111\u1ed9 tr\u1ec5, nh\u01b0ng trong \u0111i\u1ec1u ki\u1ec7n kh\u00f3 kh\u0103n c\u1ee7a doanh nghi\u1ec7p, ng\u00e2n h\u00e0ng ph\u1ea3i nhanh ch\u00f3ng h\u00e0nh \u0111\u1ed9ng. \u0110i\u1ec1u n\u00e0y l\u00e0 mong mu\u1ed1n c\u1ee7a c\u1ea3 doanh nghi\u1ec7p v\u00e0 ng\u00e2n h\u00e0ng. Trong th\u1eddi gian kh\u00f3 kh\u0103n, c\u00e1c ng\u00e2n h\u00e0ng n\u00ean chia s\u1ebb, \u0111i\u1ec1u ch\u1ec9nh vi\u1ec7c c\u1ea5p v\u1ed1n cho doanh nghi\u1ec7p.<\/p>\n

\"Gi\u1ea3m
Gi\u1ea3m l\u00e3i su\u1ea5t \u0111i\u1ec1u h\u00e0nh \u0111\u1ec3 gi\u1ea3i quy\u1ebft lo ng\u1ea1i v\u1ec1 vi\u1ec7c l\u00e3i su\u1ea5t cho vay v\u1eabn cao c\u1ee7a doanh nghi\u1ec7p<\/figcaption><\/figure>\n

Ngo\u00e0i ra, \u0111\u1ec3 t\u0103ng nhu c\u1ea7u vay v\u1ed1n cho kh\u00e1ch h\u00e0ng, Ph\u00f3 Th\u1ed1ng \u0111\u1ed1c ch\u1ec9 \u0111\u1ea1o ti\u1ebfp t\u1ee5c m\u1edf r\u1ed9ng v\u00e0 \u0111\u01a1n gi\u1ea3n h\u00f3a th\u1ee7 t\u1ee5c h\u00e0nh ch\u00ednh, t\u1ea1o \u0111i\u1ec1u ki\u1ec7n cho doanh nghi\u1ec7p ti\u1ebfp c\u1eadn t\u00edn d\u1ee5ng trong khi v\u1eabn \u0111\u1ea3m b\u1ea3o nguy\u00ean t\u1eafc kh\u00f4ng gi\u1ea3m chu\u1ea9n t\u00edn d\u1ee5ng.<\/p>\n

“Gi\u1ea3m chu\u1ea9n s\u1ebd \u0111i \u0111\u00f4i v\u1edbi r\u1ee7i ro v\u00e0 n\u1ee3 x\u1ea5u. N\u1ebfu kh\u00f4ng duy tr\u00ec chu\u1ea9n t\u00edn d\u1ee5ng, n\u1ee3 x\u1ea5u s\u1ebd t\u0103ng cao. Hi\u1ec7n nay, n\u1ee3 x\u1ea5u b\u1eaft \u0111\u1ea7u xu\u1ea5t hi\u1ec7n \u1edf m\u1ed9t s\u1ed1 ng\u00e2n h\u00e0ng. M\u1eb7c d\u00f9 m\u1ee9c \u0111\u1ed9 ch\u01b0a cao, nh\u01b0ng c\u00f3 d\u1ea5u hi\u1ec7u c\u1ee7a r\u1ee7i ro n\u1ee3 ti\u1ec1m \u1ea9n m\u1ed9t s\u1ed1 ng\u00e2n h\u00e0ng. V\u1ea5n \u0111\u1ec1 n\u1ee3 x\u1ea5u lu\u00f4n \u0111\u01b0\u1ee3c \u0111\u1ec1 c\u1eadp \u0111\u1ec3 \u0111\u1ea3m b\u1ea3o an to\u00e0n,” \u00f4ng T\u00fa n\u00f3i.<\/p>\n

Ph\u00f3 Th\u1ed1ng \u0111\u1ed1c c\u0169ng \u0111\u1ec1 c\u1eadp r\u1eb1ng trong th\u1eddi gian t\u1edbi, NHNN s\u1ebd g\u1eedi \u0111o\u00e0n c\u00f4ng t\u00e1c \u0111\u1ec3 \u0111\u00e1nh gi\u00e1 t\u00ecnh h\u00ecnh t\u1ea1i c\u00e1c ng\u00e2n h\u00e0ng, xem c\u00f3 qu\u00e1 nhi\u1ec1u quy \u0111\u1ecbnh v\u01b0\u1ee3t qu\u00e1 y\u00eau c\u1ea7u ti\u00eau chu\u1ea9n hay kh\u00f4ng. “N\u1ebfu c\u00e1c quy \u0111\u1ecbnh v\u1ec1 chu\u1ea9n t\u00edn d\u1ee5ng l\u00e0 th\u00edch h\u1ee3p, ch\u00fang t\u00f4i ch\u1ea5p nh\u1eadn, nh\u01b0ng n\u1ebfu c\u00f3 c\u00e1c quy \u0111\u1ecbnh kh\u00f4ng h\u1ee3p l\u00fd, ch\u00fang t\u00f4i s\u1ebd lo\u1ea1i b\u1ecf ch\u00fang ngay l\u1eadp t\u1ee9c. Doanh nghi\u1ec7p vay v\u1ed1n ph\u1ea3i ch\u1ee9ng minh m\u1ee5c \u0111\u00edch c\u1ee7a kho\u1ea3n vay, v\u00e0 vay ph\u1ea3i tu\u00e2n th\u1ee7 c\u00e1c \u0111i\u1ec1u ki\u1ec7n v\u1ec1 kh\u1ea3 n\u0103ng t\u00e0i ch\u00ednh… \u0110\u00e2y l\u00e0 c\u00e1c quy \u0111\u1ecbnh c\u1ee9ng,” \u00f4ng T\u00fa n\u00f3i.<\/p>\n

V\u1edbi c\u00e1c bi\u1ec7n ph\u00e1p \u0111i\u1ec1u h\u00e0nh v\u00e0 h\u01b0\u1edbng d\u1eabn t\u1eeb NHNN, m\u1eb7t b\u1eb1ng l\u00e3i su\u1ea5t \u0111\u00e3 \u1ed5n \u0111\u1ecbnh, l\u00e3i su\u1ea5t ti\u1ec1n g\u1eedi v\u00e0 l\u00e3i su\u1ea5t cho vay c\u00f3 xu h\u01b0\u1edbng gi\u1ea3m d\u1ea7n. L\u00e3i su\u1ea5t ti\u1ec1n g\u1eedi trung b\u00ecnh c\u1ee7a c\u00e1c ng\u00e2n h\u00e0ng th\u01b0\u01a1ng m\u1ea1i l\u00e0 kho\u1ea3ng 5,8%\/n\u0103m (gi\u1ea3m 0,7% so v\u1edbi cu\u1ed1i n\u0103m 2022), trong khi l\u00e3i su\u1ea5t cho vay VND trung b\u00ecnh l\u00e0 kho\u1ea3ng 8,9%\/n\u0103m (gi\u1ea3m 1%\/n\u0103m so v\u1edbi cu\u1ed1i n\u0103m 2022).<\/p>\n

Xem th\u00eam: 4 ng\u00e2n h\u00e0ng l\u1edbn \u0111\u1ed3ng lo\u1ea1t \u0111i\u1ec1u ch\u1ec9nh l\u00e3i su\u1ea5t huy \u0111\u1ed9ng xu\u1ed1ng 3,4%\/n\u0103m<\/p>\n","protected":false},"excerpt":{"rendered":"

Theo Phó Thống đốc Ngân hàng Nhà nước (NHNN) Đào Minh Tú, tăng trưởng tín dụng vẫn chậm do nhiều nguyên nhân khách quan và chủ quan từ cả doanh nghiệp và ngân hàng. Tuy nhiên, Ngân hàng Nhà nước đã có các biện pháp nhằm đẩy mạnh tăng trưởng tín dụng. Trong cuộc họp […]<\/p>\n","protected":false},"author":17,"featured_media":21631,"comment_status":"open","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[1235],"tags":[],"class_list":{"0":"post-21709","1":"post","2":"type-post","3":"status-publish","4":"format-standard","5":"has-post-thumbnail","7":"category-ngan-hang"},"_links":{"self":[{"href":"https:\/\/infina.vn\/blog\/wp-json\/wp\/v2\/posts\/21709","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/infina.vn\/blog\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/infina.vn\/blog\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/infina.vn\/blog\/wp-json\/wp\/v2\/users\/17"}],"replies":[{"embeddable":true,"href":"https:\/\/infina.vn\/blog\/wp-json\/wp\/v2\/comments?post=21709"}],"version-history":[{"count":0,"href":"https:\/\/infina.vn\/blog\/wp-json\/wp\/v2\/posts\/21709\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/infina.vn\/blog\/wp-json\/wp\/v2\/media\/21631"}],"wp:attachment":[{"href":"https:\/\/infina.vn\/blog\/wp-json\/wp\/v2\/media?parent=21709"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/infina.vn\/blog\/wp-json\/wp\/v2\/categories?post=21709"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/infina.vn\/blog\/wp-json\/wp\/v2\/tags?post=21709"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}