{"id":1405,"date":"2017-09-10T00:07:03","date_gmt":"2017-09-10T00:07:03","guid":{"rendered":"https:\/\/blog.ngocha.biz\/?p=1405"},"modified":"2017-09-10T00:07:03","modified_gmt":"2017-09-10T00:07:03","slug":"tang-truong-tin-dung-la-gi","status":"publish","type":"post","link":"https:\/\/blog.ngocha.biz\/?p=1405","title":{"rendered":"T\u0103ng tr\u01b0\u1edfng t\u00edn d\u1ee5ng l\u00e0 g\u00ec?"},"content":{"rendered":"
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\n 4.9\/5 – (13 votes) <\/div>\n<\/p><\/div>\n

T\u1ea1i cu\u1ed9c h\u1ecdp th\u01b0\u1eddng k\u1ef3 c\u1ee7a ch\u00ednh ph\u1ee7 ng\u00e0y 12\/8\/2017, Th\u1ee7 t\u01b0\u1edbng \u0111\u00e3 \u0111\u1ec1 ngh\u1ecb th\u1ed1ng \u0111\u1ed1c ng\u00e2n h\u00e0ng nh\u00e0 n\u01b0\u1edbc c\u00f3 l\u1ed9 tr\u00ecnh \u0111\u1ea3m b\u1ea3o t\u0103ng tr\u01b0\u1edfng t\u00edn d\u1ee5ng c\u1ea3 n\u0103m kho\u1ea3ng 21-22%. V\u1eady t\u0103ng tr\u01b0\u1edfng t\u00edn d\u1ee5ng l\u00e0 g\u00ec v\u00e0 n\u00f3 c\u00f3 li\u00ean quan g\u00ec t\u1edbi cu\u1ed9c s\u1ed1ng c\u1ee7a ch\u00fang ta?<\/p>\n

“T\u00edn d\u1ee5ng” l\u00e0 kho\u1ea3n ti\u1ec1n m\u00e0 b\u00ean A cho b\u00ean B vay. \u1ede \u0111\u00e2y b\u00ean A l\u00e0 c\u00e1c ng\u00e2n h\u00e0ng th\u01b0\u01a1ng m\u1ea1i, c\u00f2n b\u00ean B l\u00e0 c\u00e1 nh\u00e2n v\u00e0 doanh nghi\u1ec7p. T\u0103ng tr\u01b0\u1edfng t\u00edn d\u1ee5ng t\u0103ng 20% c\u00f3 ngh\u0129a r\u1eb1ng t\u1ed5ng t\u00edn d\u1ee5ng c\u1ee7a to\u00e0n h\u1ec7 th\u1ed1ng ng\u00e2n h\u00e0ng n\u0103m nay s\u1ebd cao h\u01a1n so v\u1edbi n\u0103m tr\u01b0\u1edbc l\u00e0 20%.<\/p>\n

T\u1ed5ng d\u01b0 n\u1ee3 t\u00edn d\u1ee5ng n\u0103m 2016 l\u00e0 5,5 tri\u1ec7u t\u1ef7 \u0111\u1ed3ng (250 t\u1ef7 usd); t\u0103ng 20% c\u00f3 ngh\u0129a l\u00e0 m\u1ee5c ti\u00eau cho n\u0103m 2017 l\u00e0 6,6 tri\u1ec7u t\u1ef7 \u0111\u1ed3ng ( 300 t\u1ef7 usd).<\/p>\n

Quy \u0111\u1ecbnh v\u1ec1 d\u01b0 n\u1ee3 t\u00edn d\u1ee5ng.<\/strong><\/p>\n

H\u00e0ng n\u0103m ng\u00e2n h\u00e0ng nh\u00e0 n\u01b0\u1edbc s\u1ebd \u0111\u01b0a ra h\u1ea1n m\u1ee9c d\u01b0 n\u1ee3 t\u00edn d\u1ee5ng c\u1ee7a m\u1ed7i ng\u00e2n h\u00e0ng t\u00f9y thu\u1ed9c v\u00e0o quy m\u00f4 v\u00e0 uy t\u00edn c\u1ee7a ng\u00e2n h\u00e0ng \u0111\u00f3. H\u1ea1n m\u1ee9c l\u00e0 c\u00e1ch fix c\u1ee9ng s\u1ed1 ti\u1ec1n \u0111\u01b0\u1ee3c cho vay ra b\u00ean c\u1ea1nh c\u00e1c c\u00f4ng c\u1ee5 \u0111i\u1ec1u ti\u1ebft cung ti\u1ec1n kh\u00e1c nh\u01b0 \u0111i\u1ec1u ch\u1ec9nh tr\u1ea7n l\u00e3i su\u1ea5t, t\u1ef7 l\u1ec7 d\u1ef1 tr\u1eef b\u1eaft bu\u1ed9c, l\u00e3i su\u1ea5t chi\u1ebft kh\u1ea5u,..<\/p>\n

V\u00ed d\u1ee5 m\u1ed9t NHTM n\u0103m 2016 c\u00f3 d\u01b0 n\u1ee3 t\u00ednh d\u1ee5ng l\u00e0 1000 t\u1ef7 v\u00e0 n\u1ebfu nh\u01b0 NHNN quy \u0111\u1ecbnh h\u1ea1n m\u1ee9c t\u0103ng tr\u01b0\u1edfng t\u00edn d\u1ee5ng l\u00e0 10% cho n\u0103m 2017 th\u00ec n\u0103m 2017 NH kh\u00f4ng \u0111\u01b0\u1ee3c cho vay v\u01b0\u1ee3t qu\u00e1 1.100 t\u1ef7 (b\u1ea5t c\u1ee9 th\u1eddi \u0111i\u1ec3m n\u00e0o trong n\u0103m c\u0169ng kh\u00f4ng \u0111\u01b0\u1ee3c v\u01b0\u1ee3t con s\u1ed1 n\u00e0y). NHTM s\u1ebd c\u0103n c\u1ee9 v\u00e0o h\u1ea1n m\u1ee9c n\u00e0y m\u00e0 t\u1ef1 \u0111\u1ed9ng \u0111i\u1ec1u ch\u1ec9nh s\u1ed1 ti\u1ec1n cho vay ra \u0111\u1ec3 kh\u00f4ng v\u01b0\u1ee3t qu\u00e1 trong c\u1ea3 n\u0103m.<\/p>\n

Gi\u1ea3 s\u1eed nh\u01b0 NHNN kh\u00f4ng quy \u0111\u1ecbnh v\u1ec1 con s\u1ed1 t\u0103ng tr\u01b0\u1edfng t\u00edn d\u1ee5ng h\u00e0ng n\u0103m th\u00ec NHTM \u0111\u1ec3 t\u1ed1i \u0111a h\u00f3a l\u1ee3i nhu\u1eadn h\u1ecd s\u1ebd t\u0103ng s\u1ed1 ti\u1ec1n cho vay ra t\u1edbi v\u00f4 c\u00f9ng. Ch\u1ec9 c\u1ea7n ch\u00eanh l\u1ec7ch gi\u1eefa huy \u0111\u1ed9ng v\u00e0 cho vay m\u1ed9t ch\u00fat x\u00edu th\u00f4i nh\u01b0ng khi t\u0103ng t\u1ed5ng cho vay t\u1edbi v\u00f4 c\u00f9ng th\u00ec h\u1ecd s\u1ebd c\u00f3 l\u1ee3i nhu\u1eadn t\u0103ng v\u00f4 c\u00f9ng. \u0110i\u1ec1u n\u00e0y t\u1ea5t y\u1ebfu d\u1eabn t\u1edbi vi\u1ec7c cho vay d\u01b0\u1edbi chu\u1ea9n d\u1eabn t\u1edbi n\u1ee3 x\u1ea5u ng\u00e2n h\u00e0ng.<\/p>\n

M\u1ed9t doanh nghi\u1ec7p s\u1ea3n xu\u1ea5t kh\u00f4ng b\u1ecb nh\u00e0 n\u01b0\u1edbc \u00e1p \u0111\u1eb7t m\u1ee9c t\u0103ng tr\u01b0\u1edfng doanh s\u1ed1 v\u00ec n\u00f3 t\u1ef1 \u0111\u01b0\u1ee3c \u0111i\u1ec1u ch\u1ec9nh b\u1edfi n\u0103ng l\u1ef1c s\u1ea3n xu\u1ea5t, chi ph\u00ed s\u1ea3n xu\u1ea5t, nhu c\u1ea7u kh\u00e1ch h\u00e0ng,…C\u00f2n ng\u00e2n h\u00e0ng h\u1ecd vay ti\u1ec1n \u1edf \u0111\u1ea7u v\u00e0o v\u00e0 cho vay \u1edf \u0111\u1ea7u ra.<\/p>\n

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