{"id":10839,"date":"2023-07-25T10:18:27","date_gmt":"2023-07-25T03:18:27","guid":{"rendered":"http:\/\/13.250.117.83\/intriguing-developments-central-banks-policy-on-foreign-borrowing-grabs-spotlight\/"},"modified":"2024-07-23T16:45:11","modified_gmt":"2024-07-23T09:45:11","slug":"intriguing-developments-central-banks-policy-on-foreign-borrowing-grabs-spotlight","status":"publish","type":"post","link":"https:\/\/ykvn-law.com\/vi\/intriguing-developments-central-banks-policy-on-foreign-borrowing-grabs-spotlight\/","title":{"rendered":"Nh\u1eefng n\u1ed9i dung thay \u0111\u1ed5i \u0111\u00e1ng ch\u00fa \u00fd: Ch\u00ednh s\u00e1ch vay n\u01b0\u1edbc ngo\u00e0i c\u1ee7a Ng\u00e2n h\u00e0ng Nh\u00e0 n\u01b0\u1edbc thu h\u00fat s\u1ef1 quan t\u00e2m"},"content":{"rendered":"<div class=\"wpb-content-wrapper\">[vc_row][vc_column][vc_column_text css=&#8221;.vc_custom_1721727737701{margin-bottom: 0px !important;}&#8221;]\n<h1 class=\"paragraph\" style=\"margin: 0in; vertical-align: baseline;\">Nh\u1eefng n\u1ed9i dung thay \u0111\u1ed5i \u0111\u00e1ng ch\u00fa \u00fd: Ch\u00ednh s\u00e1ch vay n\u01b0\u1edbc ngo\u00e0i c\u1ee7a Ng\u00e2n h\u00e0ng Nh\u00e0 n\u01b0\u1edbc thu h\u00fat s\u1ef1 quan t\u00e2m<\/h1>\n[\/vc_column_text][vc_empty_space height=&#8221;20px&#8221;][vc_column_text css=&#8221;.vc_custom_1690264694333{margin-bottom: 0px !important;}&#8221;]25 Th\u00e1ng 7, 2023[\/vc_column_text][\/vc_column][\/vc_row][vc_row][vc_column][vc_single_image image=&#8221;12429&#8243; img_size=&#8221;full&#8221;][\/vc_column][\/vc_row][vc_row][vc_column][vc_column_text css=&#8221;.vc_custom_1702979158232{margin-bottom: 0px !important;}&#8221;]<strong>N\u1ed9i dung ch\u00ednh\u00a0<\/strong><\/p>\n<ul>\n<li data-leveltext=\"\uf0b7\" data-font=\"Symbol\" data-listid=\"1\" data-list-defn-props=\"{&quot;335552541&quot;:1,&quot;335559684&quot;:-2,&quot;335559685&quot;:720,&quot;335559991&quot;:360,&quot;469769226&quot;:&quot;Symbol&quot;,&quot;469769242&quot;:[8226],&quot;469777803&quot;:&quot;left&quot;,&quot;469777804&quot;:&quot;\uf0b7&quot;,&quot;469777815&quot;:&quot;multilevel&quot;}\" aria-setsize=\"-1\" data-aria-posinset=\"1\" data-aria-level=\"1\"><strong><i>\u0110\u01b0\u1ee3c ph\u00e9p vay n\u01b0\u1edbc ngo\u00e0i b\u1eb1ng <\/i><i>\u0110<\/i><i>\u1ed3ng Vi\u1ec7t Nam ngay c\u1ea3 khi b\u00ean cho vay gi\u1ea3i ng\u00e2n v\u00e0 nh\u1eadn thanh to\u00e1n b\u1eb1ng ngo\u1ea1i t\u1ec7 nh\u01b0ng ngh\u0129a v\u1ee5 n\u1ee3 b\u1eb1ng <\/i><i>\u0110<\/i><i>\u1ed3ng Vi\u1ec7t Nam.<\/i>\u00a0<\/strong><\/li>\n<li data-leveltext=\"\uf0b7\" data-font=\"Symbol\" data-listid=\"1\" data-list-defn-props=\"{&quot;335552541&quot;:1,&quot;335559684&quot;:-2,&quot;335559685&quot;:720,&quot;335559991&quot;:360,&quot;469769226&quot;:&quot;Symbol&quot;,&quot;469769242&quot;:[8226],&quot;469777803&quot;:&quot;left&quot;,&quot;469777804&quot;:&quot;\uf0b7&quot;,&quot;469777815&quot;:&quot;multilevel&quot;}\" aria-setsize=\"-1\" data-aria-posinset=\"2\" data-aria-level=\"1\"><strong><i>Kho\u1ea3n vay n\u01b0\u1edbc ngo\u00e0i c\u00f3 th\u1ec3 \u0111\u01b0\u1ee3c s\u1eed d\u1ee5ng cho nhi\u1ec1u m\u1ee5c \u0111\u00edch kh\u00e1c nhau, bao g\u1ed3m (i) t\u00e1i c\u1ea5p v\u1ed1n cho c\u00e1c kho\u1ea3n n\u1ee3 n\u01b0\u1edbc ngo\u00e0i; (ii) thanh to\u00e1n c\u00e1c kho\u1ea3n n\u1ee3 ng\u1eafn h\u1ea1n (tr\u1eeb n\u1ee3 g\u1ed1c trong n\u01b0\u1edbc); (iii) t\u00e0i tr\u1ee3 cho c\u00e1c d\u1ef1 \u00e1n \u0111\u1ea7u t\u01b0 \u0111\u01b0\u1ee3c c\u1ea5p ph\u00e9p; v\u00e0 (iv) t\u00e0i tr\u1ee3 cho \u201cc\u00e1c k\u1ebf ho\u1ea1ch s\u1ea3n xu\u1ea5t kinh doanh, ho\u1ea1t \u0111\u1ed9ng kinh doanh v\u00e0 c\u00e1c d\u1ef1 \u00e1n kh\u00e1c\u201d.<\/i>\u00a0<\/strong><\/li>\n<li data-leveltext=\"\uf0b7\" data-font=\"Symbol\" data-listid=\"1\" data-list-defn-props=\"{&quot;335552541&quot;:1,&quot;335559684&quot;:-2,&quot;335559685&quot;:720,&quot;335559991&quot;:360,&quot;469769226&quot;:&quot;Symbol&quot;,&quot;469769242&quot;:[8226],&quot;469777803&quot;:&quot;left&quot;,&quot;469777804&quot;:&quot;\uf0b7&quot;,&quot;469777815&quot;:&quot;multilevel&quot;}\" aria-setsize=\"-1\" data-aria-posinset=\"3\" data-aria-level=\"1\"><strong><i>Vi\u1ec7c t\u00e1i c\u1ea5p v\u1ed1n cho c\u00e1c kho\u1ea3n n\u1ee3 trong n\u01b0\u1edbc b\u1eb1ng c\u00e1ch s\u1eed d\u1ee5ng v\u1ed1n vay n\u01b0\u1edbc ngo\u00e0i n\u00f3i chung kh\u00f4ng \u0111\u01b0\u1ee3c ph\u00e9p. D\u01b0\u1eddng nh\u01b0 kho\u1ea3n vay ng\u1eafn h\u1ea1n c\u00f3 th\u1ec3 \u0111\u01b0\u1ee3c s\u1eed d\u1ee5ng \u0111\u1ec3 tr\u1ea3 l\u00e3i v\u00e0 c\u00e1c kho\u1ea3n kh\u00e1c (kh\u00f4ng ph\u1ea3i n\u1ee3 g\u1ed1c) c\u1ee7a c\u00e1c kho\u1ea3n n\u1ee3 trong n\u01b0\u1edbc.<\/i>\u00a0<\/strong><\/li>\n<li data-leveltext=\"\uf0b7\" data-font=\"Symbol\" data-listid=\"1\" data-list-defn-props=\"{&quot;335552541&quot;:1,&quot;335559684&quot;:-2,&quot;335559685&quot;:720,&quot;335559991&quot;:360,&quot;469769226&quot;:&quot;Symbol&quot;,&quot;469769242&quot;:[8226],&quot;469777803&quot;:&quot;left&quot;,&quot;469777804&quot;:&quot;\uf0b7&quot;,&quot;469777815&quot;:&quot;multilevel&quot;}\" aria-setsize=\"-1\" data-aria-posinset=\"4\" data-aria-level=\"1\"><strong><i>Vi\u1ec7c vay n\u01b0\u1edbc ngo\u00e0i ng\u1eafn h\u1ea1n cho m\u1ee5c \u0111\u00edch M&amp;A c\u0169ng kh\u00f4ng \u0111\u01b0\u1ee3c ph\u00e9p. Vi\u1ec7c vay n\u01b0\u1edbc ngo\u00e0i trung v\u00e0 d\u00e0i h\u1ea1n cho m\u1ee5c \u0111\u00edch M&amp;A c\u00f3 th\u1ec3 \u0111\u01b0\u1ee3c xem x\u00e9t t\u00f9y t\u1eebng tr\u01b0\u1eddng h\u1ee3p c\u1ee5 th\u1ec3, \u0111\u1eb7c bi\u1ec7t \u0111\u1ed1i v\u1edbi c\u00e1c kho\u1ea3n \u0111\u1ea7u t\u01b0 c\u1ee7a doanh nghi\u1ec7p trong n\u01b0\u1edbc v\u00e0o m\u1ed9t m\u1ee5c ti\u00eau ho\u1eb7c c\u00f4ng ty con trong c\u00f9ng l\u0129nh v\u1ef1c kinh doanh.<\/i>\u00a0<\/strong><\/li>\n<li data-leveltext=\"\uf0b7\" data-font=\"Symbol\" data-listid=\"1\" data-list-defn-props=\"{&quot;335552541&quot;:1,&quot;335559684&quot;:-2,&quot;335559685&quot;:720,&quot;335559991&quot;:360,&quot;469769226&quot;:&quot;Symbol&quot;,&quot;469769242&quot;:[8226],&quot;469777803&quot;:&quot;left&quot;,&quot;469777804&quot;:&quot;\uf0b7&quot;,&quot;469777815&quot;:&quot;multilevel&quot;}\" aria-setsize=\"-1\" data-aria-posinset=\"5\" data-aria-level=\"1\"><strong><i>Kh\u00f4ng c\u00f3 m\u1ee9c tr\u1ea7n c\u1ed1 \u0111\u1ecbnh v\u1ec1 chi ph\u00ed \u0111i vay, m\u1eb7c d\u00f9 NHNN \u0111\u00f4i khi c\u00f3 th\u1ec3 \u0111\u1eb7t ra m\u1ee9c tr\u1ea7n n\u1ebfu c\u1ea7n thi\u1ebft. N\u1ebfu gi\u1edbi h\u1ea1n m\u1ee9c tr\u1ea7n \u0111\u01b0\u1ee3c \u0111\u1eb7t ra trong t\u01b0\u01a1ng lai, n\u00f3 c\u00f3 th\u1ec3 \u1ea3nh h\u01b0\u1edfng \u0111\u1ebfn th\u1ecfa thu\u1eadn c\u1ee7a c\u00e1c b\u00ean v\u1ec1 l\u00e3i su\u1ea5t, IRR, ph\u00ed v\u00e0 th\u1eadm ch\u00ed c\u1ea3 chi ph\u00ed b\u1ed3i ho\u00e0n.<\/i>\u00a0<\/strong><\/li>\n<li data-leveltext=\"\uf0b7\" data-font=\"Symbol\" data-listid=\"1\" data-list-defn-props=\"{&quot;335552541&quot;:1,&quot;335559684&quot;:-2,&quot;335559685&quot;:720,&quot;335559991&quot;:360,&quot;469769226&quot;:&quot;Symbol&quot;,&quot;469769242&quot;:[8226],&quot;469777803&quot;:&quot;left&quot;,&quot;469777804&quot;:&quot;\uf0b7&quot;,&quot;469777815&quot;:&quot;multilevel&quot;}\" aria-setsize=\"-1\" data-aria-posinset=\"6\" data-aria-level=\"1\"><strong><i>C\u01a1 ch\u1ebf ph\u00ea duy\u1ec7t vay n\u01b0\u1edbc ngo\u00e0i ph\u1ea7n l\u1edbn kh\u00f4ng thay \u0111\u1ed5i. Vay ng\u1eafn h\u1ea1n kh\u00f4ng c\u1ea7n \u0111\u0103ng k\u00fd v\u00e0 ph\u00ea duy\u1ec7t t\u1eeb NHNN. Tuy nhi\u00ean, vi\u1ec7c vay trung v\u00e0 d\u00e0i h\u1ea1n ph\u1ea3i \u0111\u01b0\u1ee3c \u0111\u0103ng k\u00fd v\u00e0 <\/i><i>ph\u00ea duy\u1ec7t<\/i><i>. H\u1ed3 s\u01a1 y\u00eau c\u1ea7u n\u1ed9p cho NHNN ph\u1ea3i ch\u1ee9ng minh vi\u1ec7c vay n\u01b0\u1edbc ngo\u00e0i \u0111\u1ea1t m\u1ee5c \u0111\u00edch cho ph\u00e9p.<\/i>\u00a0<\/strong><\/li>\n<li data-leveltext=\"\uf0b7\" data-font=\"Symbol\" data-listid=\"1\" data-list-defn-props=\"{&quot;335552541&quot;:1,&quot;335559684&quot;:-2,&quot;335559685&quot;:720,&quot;335559991&quot;:360,&quot;469769226&quot;:&quot;Symbol&quot;,&quot;469769242&quot;:[8226],&quot;469777803&quot;:&quot;left&quot;,&quot;469777804&quot;:&quot;\uf0b7&quot;,&quot;469777815&quot;:&quot;multilevel&quot;}\" aria-setsize=\"-1\" data-aria-posinset=\"7\" data-aria-level=\"1\"><strong><i>T\u1ef7 gi\u00e1 \u00e1p d\u1ee5ng \u0111\u1ec3 t\u00ednh to\u00e1n nhi\u1ec1u lo\u1ea1i ti\u1ec1n t\u1ec7 l\u00e0 t\u1ef7 gi\u00e1 do B\u1ed9 T\u00e0i ch\u00ednh (Kho b\u1ea1c Nh\u00e0 n\u01b0\u1edbc) c\u00f4ng b\u1ed1 t\u1ea1i th\u1eddi \u0111i\u1ec3m li\u00ean quan. <\/i>\u00a0<\/strong><\/li>\n<li data-leveltext=\"\uf0b7\" data-font=\"Symbol\" data-listid=\"1\" data-list-defn-props=\"{&quot;335552541&quot;:1,&quot;335559684&quot;:-2,&quot;335559685&quot;:720,&quot;335559991&quot;:360,&quot;469769226&quot;:&quot;Symbol&quot;,&quot;469769242&quot;:[8226],&quot;469777803&quot;:&quot;left&quot;,&quot;469777804&quot;:&quot;\uf0b7&quot;,&quot;469777815&quot;:&quot;multilevel&quot;}\" aria-setsize=\"-1\" data-aria-posinset=\"8\" data-aria-level=\"1\"><strong><i>C\u00e1c b\u00ean vay ph\u1ea3i tu\u00e2n theo m\u1ed9t s\u1ed1 ngh\u0129a v\u1ee5 <\/i><i>m\u00e0 h\u1ecd c\u1ea7n ph\u1ea3i bi\u1ebft<\/i><i>.<\/i>\u00a0<\/strong><\/li>\n<\/ul>\n<p><strong>Gi\u1edbi thi\u1ec7u\u00a0<\/strong><\/p>\n<p><span data-contrast=\"none\">Vay n\u01b0\u1edbc ngo\u00e0i (bao g\u1ed3m c\u00e1c kho\u1ea3n vay t\u1eeb b\u00ean cho vay n\u01b0\u1edbc ngo\u00e0i v\u00e0 ph\u00e1t h\u00e0nh tr\u00e1i phi\u1ebfu qu\u1ed1c t\u1ebf) l\u00e0 ngu\u1ed3n v\u1ed1n \u0111\u00e1ng k\u1ec3 cho c\u00e1c doanh nghi\u1ec7p ho\u1ea1t \u0111\u1ed9ng t\u1ea1i Vi\u1ec7t Nam. Vay n\u01b0\u1edbc ngo\u00e0i \u0111\u00f3ng vai tr\u00f2 l\u00e0 m\u1ed9t ph\u01b0\u01a1ng ti\u1ec7n quan tr\u1ecdng \u0111\u1ec3 b\u1ed5 sung ngu\u1ed3n cho vay trong n\u01b0\u1edbc, \u0111\u1eb7c bi\u1ec7t khi gi\u1edbi h\u1ea1n t\u00edn d\u1ee5ng c\u1ea3n tr\u1edf c\u00e1c doanh nghi\u1ec7p vay v\u1ed1n trong n\u01b0\u1edbc. Theo quy \u0111\u1ecbnh v\u1ec1 ho\u1ea1t \u0111\u1ed9ng ng\u00e2n h\u00e0ng, c\u00e1c ng\u00e2n h\u00e0ng ph\u1ea3i tu\u00e2n th\u1ee7 c\u00e1c t\u1ef7 l\u1ec7 an to\u00e0n \u00e1p d\u1ee5ng trong ho\u1ea1t \u0111\u1ed9ng t\u00edn d\u1ee5ng. \u0110\u00e1ng ch\u00fa \u00fd, c\u00e1c ng\u00e2n h\u00e0ng trong n\u01b0\u1edbc b\u1ecb h\u1ea1n ch\u1ebf c\u1ea5p t\u00edn d\u1ee5ng cho b\u00ean vay ho\u1eb7c nh\u00f3m c\u00e1c b\u00ean li\u00ean quan v\u01b0\u1ee3t qu\u00e1 15% ho\u1eb7c 25% t\u01b0\u01a1ng \u1ee9ng trong v\u1ed1n c\u1ee7a ng\u00e2n h\u00e0ng. H\u01a1n n\u1eefa, c\u00e1c h\u1ea1n ch\u1ebf c\u1ee5 th\u1ec3 kh\u00e1c \u00e1p d\u1ee5ng cho vi\u1ec7c vay b\u1ea5t \u0111\u1ed9ng s\u1ea3n, ch\u1ee9ng kho\u00e1n v\u00e0 \u0111\u1ea7u t\u01b0 v\u00e0o c\u00e1c l\u0129nh v\u1ef1c \u0111\u1ea7u c\u01a1 ho\u1eb7c c\u00f3 r\u1ee7i ro cao. \u0110\u1ec3 gi\u1ea3m thi\u1ec3u r\u1ee7i ro cho n\u1ec1n kinh t\u1ebf v\u00e0 h\u1ec7 th\u1ed1ng ng\u00e2n h\u00e0ng, Ng\u00e2n h\u00e0ng Nh\u00e0 n\u01b0\u1edbc Vi\u1ec7t Nam (\u201c<\/span><b><span data-contrast=\"none\">NHNN<\/span><\/b><span data-contrast=\"none\">\u201d) \u0111\u00e3 \u00e1p d\u1ee5ng c\u00e1c bi\u1ec7n ph\u00e1p ki\u1ec3m so\u00e1t t\u0103ng tr\u01b0\u1edfng t\u00edn d\u1ee5ng trong c\u00e1c l\u0129nh v\u1ef1c n\u00e0y.<\/span><span data-ccp-props=\"{&quot;201341983&quot;:2,&quot;335551550&quot;:6,&quot;335551620&quot;:6,&quot;335559739&quot;:0,&quot;335559740&quot;:336}\">\u00a0<\/span><\/p>\n<p><span data-ccp-props=\"{&quot;201341983&quot;:2,&quot;335551550&quot;:6,&quot;335551620&quot;:6,&quot;335559739&quot;:0,&quot;335559740&quot;:336}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">Trong b\u1ed1i c\u1ea3nh kinh t\u1ebf suy tho\u00e1i do b\u1ea5t \u1ed5n to\u00e0n c\u1ea7u, gi\u00e1n \u0111o\u1ea1n chu\u1ed7i cung \u1ee9ng v\u00e0 r\u1ee7i ro v\u1ee1 n\u1ee3, c\u00e1c doanh nghi\u1ec7p \u0111\u1ecba ph\u01b0\u01a1ng \u0111ang ph\u1ea3i \u0111\u1ed1i m\u1eb7t v\u1edbi nhu c\u1ea7u c\u1ea5p thi\u1ebft v\u1ec1 ngu\u1ed3n v\u1ed1n m\u1edbi \u0111\u1ec3 duy tr\u00ec ho\u1ea1t \u0111\u1ed9ng ho\u1eb7c c\u01a1 c\u1ea5u l\u1ea1i c\u00e1c ngh\u0129a v\u1ee5 t\u00e0i ch\u00ednh. B\u00ean c\u1ea1nh c\u00e1c t\u1ed5 ch\u1ee9c cho vay truy\u1ec1n th\u1ed1ng nh\u01b0 ng\u00e2n h\u00e0ng trong v\u00e0 ngo\u00e0i n\u01b0\u1edbc, c\u00e1c c\u00f4ng ty c\u1ed5 ph\u1ea7n t\u01b0 nh\u00e2n ho\u1eb7c c\u00e1c qu\u1ef9 t\u00ecnh tr\u1ea1ng \u0111\u1eb7c bi\u1ec7t\/kh\u00f3 kh\u0103n c\u0169ng \u0111\u1ea9y m\u1ea1nh ho\u1ea1t \u0111\u1ed9ng. Do \u0111\u00f3, to\u00e0n c\u1ea3nh th\u1ecb tr\u01b0\u1eddng cho vay \u0111\u00e3 ch\u1ee9ng ki\u1ebfn vi\u1ec7c \u00e1p d\u1ee5ng c\u00e1c c\u1ea5u tr\u00fac v\u00e0 \u0111i\u1ec1u kho\u1ea3n ph\u1ee9c t\u1ea1p h\u01a1n, \u0111\u1eb7c bi\u1ec7t l\u00e0 trong c\u00e1c giao d\u1ecbch m\u00e0 doanh nghi\u1ec7p t\u00ecm ki\u1ebfm ngu\u1ed3n v\u1ed1n trong nh\u1eefng t\u00ecnh hu\u1ed1ng \u0111\u1ea7y th\u00e1ch th\u1ee9c.<\/span><span data-ccp-props=\"{&quot;201341983&quot;:2,&quot;335551550&quot;:6,&quot;335551620&quot;:6,&quot;335559739&quot;:300,&quot;335559740&quot;:336}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">Trong b\u1ed1i c\u1ea3nh \u0111\u00f3, ch\u00ednh s\u00e1ch vay n\u01b0\u1edbc ngo\u00e0i c\u1ee7a NHNN \u0111\u00e3 thu h\u00fat \u0111\u01b0\u1ee3c s\u1ef1 quan t\u00e2m \u0111\u00e1ng k\u1ec3. NHNN \u0111\u00e3 \u0111\u01b0a ra d\u1ef1 th\u1ea3o th\u00f4ng t\u01b0 v\u00e0o th\u00e1ng 6 n\u0103m 2022 \u0111\u1ec3 thay th\u1ebf Th\u00f4ng t\u01b0 s\u1ed1 12\/2014\/TT-NHNN (NHNN, ng\u00e0y 31 th\u00e1ng 3 n\u0103m 2014) (\u201c<\/span><b><span data-contrast=\"none\">Th\u00f4ng T\u01b0 Hi\u1ec7n H\u00e0nh<\/span><\/b><span data-contrast=\"none\">\u201d). Sau nhi\u1ec1u v\u00f2ng l\u1ea5y \u00fd ki\u1ebfn c\u00f4ng khai, g\u1ea7n \u0111\u00e2y NHNN \u0111\u00e3 ban h\u00e0nh Th\u00f4ng t\u01b0 s\u1ed1 08\/2023\/TT-NHNN ng\u00e0y 30 th\u00e1ng 6 n\u0103m 2023 (\u201c<\/span><b><span data-contrast=\"none\">Th\u00f4ng T\u01b0 M\u1edbi<\/span><\/b><span data-contrast=\"none\">\u201d), quy \u0111\u1ecbnh \u0111i\u1ec1u ki\u1ec7n vay n\u01b0\u1edbc ngo\u00e0i kh\u00f4ng \u0111\u01b0\u1ee3c Ch\u00ednh ph\u1ee7 b\u1ea3o l\u00e3nh. Th\u00f4ng T\u01b0 M\u1edbi s\u1ebd c\u00f3 hi\u1ec7u l\u1ef1c t\u1eeb ng\u00e0y 15 th\u00e1ng 8 n\u0103m 2023 v\u00e0 kh\u00f4ng \u00e1p d\u1ee5ng h\u1ed3i t\u1ed1 (t\u1ee9c l\u00e0 c\u00e1c kho\u1ea3n vay n\u01b0\u1edbc ngo\u00e0i \u0111\u01b0\u1ee3c k\u00fd k\u1ebft tr\u01b0\u1edbc ng\u00e0y 15 th\u00e1ng 8 n\u0103m 2023 s\u1ebd ti\u1ebfp t\u1ee5c ch\u1ecbu s\u1ef1 \u0111i\u1ec1u ch\u1ec9nh c\u1ee7a Th\u00f4ng T\u01b0 Hi\u1ec7n H\u00e0nh v\u00e0 kh\u00f4ng ch\u1ecbu s\u1ef1 \u0111i\u1ec1u ch\u1ec9nh c\u1ee7a Th\u00f4ng T\u01b0 M\u1edbi).<\/span><span data-ccp-props=\"{&quot;201341983&quot;:2,&quot;335551550&quot;:6,&quot;335551620&quot;:6,&quot;335559739&quot;:0,&quot;335559740&quot;:336}\">\u00a0<\/span><\/p>\n<p><span data-ccp-props=\"{&quot;201341983&quot;:2,&quot;335551550&quot;:6,&quot;335551620&quot;:6,&quot;335559739&quot;:0,&quot;335559740&quot;:336}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">C\u0169ng nh\u01b0 Th\u00f4ng T\u01b0 Hi\u1ec7n H\u00e0nh, Th\u00f4ng T\u01b0 M\u1edbi kh\u00f4ng \u00e1p d\u1ee5ng \u0111\u1ed1i v\u1edbi kho\u1ea3n vay c\u00e1 nh\u00e2n v\u00e0 kho\u1ea3n vay n\u01b0\u1edbc ngo\u00e0i \u0111\u01b0\u1ee3c Ch\u00ednh ph\u1ee7 b\u1ea3o l\u00e3nh. Vi\u1ec7c c\u1ea5m c\u00e1 nh\u00e2n vay n\u01b0\u1edbc ngo\u00e0i v\u1eabn \u0111\u01b0\u1ee3c \u00e1p d\u1ee5ng. Kho\u1ea3n vay n\u01b0\u1edbc ngo\u00e0i \u0111\u01b0\u1ee3c Ch\u00ednh ph\u1ee7 b\u1ea3o l\u00e3nh li\u00ean quan \u0111\u1ebfn n\u1ee3 c\u00f4ng c\u1ee7a Vi\u1ec7t Nam thu\u1ed9c khu\u00f4n kh\u1ed5 qu\u1ea3n l\u00fd ri\u00eang. M\u1eb7c d\u00f9 kho\u1ea3n vay n\u01b0\u1edbc ngo\u00e0i ch\u1ee7 y\u1ebfu bao g\u1ed3m c\u00e1c kho\u1ea3n vay t\u1eeb c\u00e1c b\u00ean cho vay n\u01b0\u1edbc ngo\u00e0i, Th\u00f4ng T\u01b0 M\u1edbi quy \u0111\u1ecbnh c\u1ee5 th\u1ec3 vi\u1ec7c ph\u00e1t h\u00e0nh tr\u00e1i phi\u1ebfu qu\u1ed1c t\u1ebf trong ph\u1ea1m vi \u0111i\u1ec1u ch\u1ec9nh c\u1ee7a Th\u00f4ng T\u01b0 M\u1edbi, t\u1eeb \u0111\u00f3 m\u1edf r\u1ed9ng ph\u1ea1m vi ph\u00e1p l\u00fd \u0111\u1ec3 \u0111i\u1ec1u ch\u1ec9nh c\u00e1c giao d\u1ecbch tr\u00ean th\u1ecb tr\u01b0\u1eddng v\u1ed1n.<\/span><span data-ccp-props=\"{&quot;201341983&quot;:2,&quot;335551550&quot;:6,&quot;335551620&quot;:6,&quot;335559739&quot;:300,&quot;335559740&quot;:336}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">Th\u00f4ng qua nhi\u1ec1u v\u00f2ng l\u1ea5y \u00fd ki\u1ebfn c\u00f4ng khai, NHNN \u0111\u00e3 xem x\u00e9t v\u00e0 t\u1ed5ng h\u1ee3p c\u00e1c \u00fd ki\u1ebfn \u0111\u00f3ng g\u00f3p c\u0169ng nh\u01b0 \u0111\u1ec1 xu\u1ea5t c\u1ee7a c\u00e1c b\u00ean li\u00ean quan. Th\u00f4ng <\/span><span data-contrast=\"none\">T<\/span><span data-contrast=\"none\">\u01b0 M\u1edbi kh\u00f4ng c\u00f2n \u00e1p \u0111\u1eb7t m\u1ed9t s\u1ed1 y\u00eau c\u1ea7u \u0111\u01b0\u1ee3c \u0111\u1ec1 xu\u1ea5t ban \u0111\u1ea7u trong c\u00e1c d\u1ef1 th\u1ea3o tr\u01b0\u1edbc \u0111\u00f3, bao g\u1ed3m (i) m\u1ee9c tr\u1ea7n chi ph\u00ed vay, (ii) m\u1ee9c tr\u1ea7n t\u1ed5ng n\u1ee3 n\u01b0\u1edbc ngo\u00e0i c\u1ee7a b\u00ean vay v\u00e0 (iii) y\u00eau c\u1ea7u ph\u00f2ng ng\u1eeba r\u1ee7i ro ngo\u1ea1i h\u1ed1i. B\u1ea3n ch\u00ednh th\u1ee9c \u0111\u01b0\u1ee3c ban h\u00e0nh c\u1ee7a Th\u00f4ng <\/span><span data-contrast=\"none\">T<\/span><span data-contrast=\"none\">\u01b0 M\u1edbi \u00e1p d\u1ee5ng c\u00e1ch ti\u1ebfp c\u1eadn linh ho\u1ea1t h\u01a1n li\u00ean quan \u0111\u1ebfn c\u00e1c v\u1ea5n \u0111\u1ec1 n\u00e0y.<\/span><span data-ccp-props=\"{&quot;201341983&quot;:2,&quot;335551550&quot;:6,&quot;335551620&quot;:6,&quot;335559739&quot;:300,&quot;335559740&quot;:336}\">\u00a0<\/span><\/p>\n<p><strong>Lo\u1ea1i Ti\u1ec1n T\u1ec7\u00a0<\/strong><\/p>\n<p><span data-contrast=\"none\">Vay n\u01b0\u1edbc ngo\u00e0i theo truy\u1ec1n th\u1ed1ng \u0111\u01b0\u1ee3c gi\u1ea3i ng\u00e2n v\u00e0 ho\u00e0n tr\u1ea3 b\u1eb1ng ngo\u1ea1i t\u1ec7, trong \u0111\u00f3 \u0110\u00f4 La M\u1ef9 l\u00e0 ph\u1ed5 bi\u1ebfn nh\u1ea5t. <\/span><span data-contrast=\"none\">Vi\u1ec7c vay ngo\u1ea1i t\u1ec7 \u0111\u01b0\u1ee3c cho ph\u00e9p theo Th\u00f4ng T\u01b0 Hi\u1ec7n H\u00e0nh v\u00e0 Th\u00f4ng T\u01b0 M\u1edbi.<\/span><span data-contrast=\"none\">Theo Th\u00f4ng T\u01b0 Hi\u1ec7n H\u00e0nh, vi\u1ec7c vay n\u01b0\u1edbc ngo\u00e0i b\u1eb1ng \u0110\u1ed3ng Vi\u1ec7t Nam c\u0169ng \u0111\u01b0\u1ee3c ph\u00e9p trong c\u00e1c tr\u01b0\u1eddng h\u1ee3p sau: (i) khi b\u00ean vay l\u00e0 t\u1ed5 ch\u1ee9c t\u00e0i ch\u00ednh vi m\u00f4; (ii) khi b\u00ean vay l\u00e0 c\u00f4ng ty c\u00f3 v\u1ed1n \u0111\u1ea7u t\u01b0 n\u01b0\u1edbc ngo\u00e0i vay t\u1eeb nh\u00e0 \u0111\u1ea7u t\u01b0 n\u01b0\u1edbc ngo\u00e0i b\u1eb1ng l\u1ee3i nhu\u1eadn gi\u1eef l\u1ea1i \u0111\u01b0\u1ee3c ph\u00e2n ph\u1ed1i cho nh\u00e0 \u0111\u1ea7u t\u01b0 n\u01b0\u1edbc ngo\u00e0i \u0111\u00f3; v\u00e0 (iii) \u201ctrong c\u00e1c tr\u01b0\u1eddng h\u1ee3p kh\u00e1c\u201d \u0111\u01b0\u1ee3c Th\u1ed1ng \u0111\u1ed1c NHNN ch\u1ea5p thu\u1eadn.<\/span><span data-ccp-props=\"{&quot;201341983&quot;:2,&quot;335551550&quot;:6,&quot;335551620&quot;:6,&quot;335559739&quot;:300,&quot;335559740&quot;:336}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">Th\u00f4ng T\u01b0 M\u1edbi kh\u00f4ng thay \u0111\u1ed5i c\u00e1c tr\u01b0\u1eddng h\u1ee3p \u0111\u01b0\u1ee3c ph\u00e9p t\u1ea1i m\u1ee5c (i) v\u00e0 (ii) v\u00e0 \u0111\u1ecbnh ngh\u0129a \u201cc\u00e1c tr\u01b0\u1eddng h\u1ee3p kh\u00e1c\u201d t\u1ea1i m\u1ee5c (iii) m\u1ed9t c\u00e1ch r\u00f5 r\u00e0ng h\u01a1n. C\u1ee5 th\u1ec3, vi\u1ec7c vay n\u01b0\u1edbc ngo\u00e0i b\u1eb1ng <\/span><span data-contrast=\"none\">\u0110<\/span><span data-contrast=\"none\">\u1ed3ng Vi\u1ec7t Nam \u0111\u01b0\u1ee3c ph\u00e9p n\u1ebfu b\u00ean cho vay gi\u1ea3i ng\u00e2n v\u00e0 nh\u1eadn thanh to\u00e1n b\u1eb1ng ngo\u1ea1i t\u1ec7 nh\u01b0ng ngh\u0129a v\u1ee5 n\u1ee3 b\u1eb1ng <\/span><span data-contrast=\"none\">\u0110<\/span><span data-contrast=\"none\">\u1ed3ng Vi\u1ec7t Nam. T\u00ecnh hu\u1ed1ng n\u00e0y th\u01b0\u1eddng ph\u00e1t sinh trong th\u1ef1c t\u1ebf khi b\u00ean vay mu\u1ed1n tr\u00e1nh r\u1ee7i ro t\u1ef7 gi\u00e1. V\u00ed d\u1ee5: cam k\u1ebft cho vay \u0111\u01b0\u1ee3c ghi trong h\u1ee3p \u0111\u1ed3ng vay v\u00e0 \u0111\u01b0\u1ee3c gi\u1ea3i ng\u00e2n b\u1eb1ng \u0110\u00f4 La M\u1ef9, \u0111\u01b0\u1ee3c quy \u0111\u1ed5i sang <\/span><span data-contrast=\"none\">\u0110<\/span><span data-contrast=\"none\">\u1ed3ng Vi\u1ec7t Nam theo t\u1ef7 gi\u00e1 h\u1ed1i \u0111o\u00e1i \u0111\u01b0\u1ee3c th\u1ecfa thu\u1eadn gi\u1eefa b\u00ean vay v\u00e0 b\u00ean cho vay. Kho\u1ea3n vay sau \u0111\u00f3 \u0111\u01b0\u1ee3c ghi nh\u1eadn v\u00e0o h\u1ed1i phi\u1ebfu nh\u1eadn n\u1ee3 b\u1eb1ng \u0110\u1ed3ng Vi\u1ec7t Nam v\u00e0 l\u00e3i \u0111\u01b0\u1ee3c t\u00ednh theo l\u00e3i su\u1ea5t th\u1ecfa thu\u1eadn tr\u00ean s\u1ed1 ti\u1ec1n g\u1ed1c b\u1eb1ng \u0110\u1ed3ng Vi\u1ec7t Nam. V\u00e0o ng\u00e0y thanh to\u00e1n theo l\u1ecbch, b\u00ean vay tr\u1ea3 g\u1ed1c v\u00e0 l\u00e3i b\u1eb1ng <\/span><span data-contrast=\"none\">\u0110<\/span><span data-contrast=\"none\">\u1ed3ng Vi\u1ec7t Nam v\u00e0 h\u1ed7 tr\u1ee3 b\u00ean cho vay chuy\u1ec3n \u0111\u1ed5i <\/span><span data-contrast=\"none\">\u0110<\/span><span data-contrast=\"none\">\u1ed3ng Vi\u1ec7t Nam sang <\/span><span data-contrast=\"none\">\u0110<\/span><span data-contrast=\"none\">\u00f4 <\/span><span data-contrast=\"none\">L<\/span><span data-contrast=\"none\">a M\u1ef9 theo t\u1ef7 gi\u00e1 hi\u1ec7n h\u00e0nh. Vi\u1ec7c chuy\u1ec3n ti\u1ec1n \u0110\u00f4 La M\u1ef9 \u0111\u00e3 chuy\u1ec3n \u0111\u1ed5i sau \u0111\u00f3 s\u1ebd \u0111\u01b0\u1ee3c th\u1ef1c hi\u1ec7n cho b\u00ean cho vay. C\u01a1 c\u1ea5u tr\u1ea3 n\u1ee3 b\u1eb1ng <\/span><span data-contrast=\"none\">\u0110<\/span><span data-contrast=\"none\">\u1ed3ng Vi\u1ec7t Nam n\u00e0y gi\u00fap b\u00ean vay gi\u1ea3m thi\u1ec3u r\u1ee7i ro ngo\u1ea1i h\u1ed1i.<\/span><span data-ccp-props=\"{&quot;201341983&quot;:2,&quot;335551550&quot;:6,&quot;335551620&quot;:6,&quot;335559739&quot;:300,&quot;335559740&quot;:336}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">Kho\u1ea3n vay n\u01b0\u1edbc ngo\u00e0i b\u1eb1ng <\/span><span data-contrast=\"none\">\u0110<\/span><span data-contrast=\"none\">\u1ed3ng Vi\u1ec7t Nam cung c\u1ea5p gi\u1ea3i ph\u00e1p thay th\u1ebf cho c\u01a1 c\u1ea5u c\u1ed5 phi\u1ebfu \u01b0u \u0111\u00e3i, th\u01b0\u1eddng bao g\u1ed3m \u01b0u \u0111\u00e3i c\u1ed5 t\u1ee9c v\u00e0 \u01b0u \u0111\u00e3i ho\u00e0n l\u1ea1i b\u1eb1ng c\u00f9ng lo\u1ea1i ti\u1ec1n t\u1ec7. Vi\u1ec7c th\u1eeba nh\u1eadn r\u1eb1ng kho\u1ea3n vay l\u00e0 m\u1ed9t c\u00f4ng c\u1ee5 n\u1ee3, trong khi c\u1ed5 phi\u1ebfu \u01b0u \u0111\u00e3i trong h\u1ea7u h\u1ebft c\u00e1c tr\u01b0\u1eddng h\u1ee3p l\u00e0 c\u00f4ng c\u1ee5 v\u1ed1n l\u00e0 \u0111i\u1ec1u c\u1ea7n thi\u1ebft. C\u00f4ng c\u1ee5 n\u1ee3 mang l\u1ea1i c\u00e1c quy\u1ec1n \u01b0u ti\u00ean trong vi\u1ec7c thanh to\u00e1n l\u00e3i, thanh l\u00fd ho\u1eb7c ho\u00e0n tr\u1ea3 m\u00e0 c\u00f3 th\u1ec3 kh\u00f4ng c\u00f3 \u0111\u1ed1i v\u1edbi ch\u1ee7 s\u1edf h\u1eefu v\u1ed1n, ngay c\u1ea3 nh\u1eefng ng\u01b0\u1eddi n\u1eafm gi\u1eef c\u1ed5 phi\u1ebfu \u01b0u \u0111\u00e3i. Trong tr\u01b0\u1eddng h\u1ee3p b\u00ean cho vay kh\u00f4ng \u0111\u1ed3ng \u00fd ch\u1ecbu r\u1ee7i ro t\u1ef7 gi\u00e1 th\u00ec c\u01a1 c\u1ea5u kho\u1ea3n vay l\u00e0 kho\u1ea3n vay ngo\u1ea1i t\u1ec7 s\u1ebd ph\u00f9 h\u1ee3p h\u01a1n.<\/span><span data-ccp-props=\"{&quot;201341983&quot;:2,&quot;335551550&quot;:6,&quot;335551620&quot;:6,&quot;335559739&quot;:300,&quot;335559740&quot;:336}\">\u00a0<\/span><\/p>\n<p><strong>M\u1ee5c \u0110\u00edch Vay N\u01b0\u1edbc Ngo\u00e0i\u00a0<\/strong><\/p>\n<p><span data-contrast=\"none\">T\u01b0\u01a1ng t\u1ef1 nh\u01b0 Th\u00f4ng T\u01b0 Hi\u1ec7n H\u00e0nh, Th\u00f4ng T\u01b0 M\u1edbi duy tr\u00ec s\u1ef1 ph\u00e2n bi\u1ec7t r\u00f5 r\u00e0ng gi\u1eefa vay n\u01b0\u1edbc ngo\u00e0i ng\u1eafn h\u1ea1n (c\u00f3 th\u1eddi gian \u0111\u00e1o h\u1ea1n l\u00ean \u0111\u1ebfn 1 n\u0103m) v\u00e0 vay n\u01b0\u1edbc ngo\u00e0i trung v\u00e0 d\u00e0i h\u1ea1n (c\u00f3 th\u1eddi gian \u0111\u00e1o h\u1ea1n tr\u00ean 1 n\u0103m). Tuy nhi\u00ean, Th\u00f4ng T\u01b0 M\u1edbi \u0111\u01b0a ra nh\u1eefng thay \u0111\u1ed5i quan tr\u1ecdng nh\u1eb1m l\u00e0m r\u00f5 m\u1ee5c \u0111\u00edch c\u1ee7a t\u1eebng lo\u1ea1i kho\u1ea3n vay n\u01b0\u1edbc ngo\u00e0i.<\/span><span data-ccp-props=\"{&quot;201341983&quot;:2,&quot;335551550&quot;:6,&quot;335551620&quot;:6,&quot;335559739&quot;:300,&quot;335559740&quot;:336}\">\u00a0<\/span>[\/vc_column_text][mk_table]\n<table width=\"100%\">\n<thead>\n<tr>\n<th style=\"text-align: left;\"><span class=\"TrackedChange SCXW93735170 BCX8\"><span class=\"TextRun SCXW93735170 BCX8\" lang=\"VI-VN\" xml:lang=\"VI-VN\" data-contrast=\"none\"><span class=\"NormalTextRun SCXW93735170 BCX8\">M\u1ee5c \u0111\u00edch vay n\u01b0\u1edbc ngo\u00e0i ng\u1eafn h\u1ea1n<\/span><\/span><\/span><span class=\"EOP SCXW93735170 BCX8\" data-ccp-props=\"{&quot;201341983&quot;:0,&quot;335551550&quot;:6,&quot;335551620&quot;:6,&quot;335559739&quot;:0,&quot;335559740&quot;:240}\">\u00a0<\/span><\/th>\n<th style=\"text-align: left;\"><span class=\"TrackedChange SCXW77385305 BCX8\"><span class=\"TextRun SCXW77385305 BCX8\" lang=\"VI-VN\" xml:lang=\"VI-VN\" data-contrast=\"none\"><span class=\"NormalTextRun SCXW77385305 BCX8\">M\u1ee5c \u0111\u00edch vay n\u01b0\u1edbc ngo\u00e0i trung v\u00e0 d\u00e0i h\u1ea1n<\/span><\/span><\/span><span class=\"EOP SCXW77385305 BCX8\" data-ccp-props=\"{&quot;201341983&quot;:0,&quot;335551550&quot;:6,&quot;335551620&quot;:6,&quot;335559739&quot;:0,&quot;335559740&quot;:240}\">\u00a0<\/span><\/th>\n<\/tr>\n<\/thead>\n<tbody>\n<tr>\n<td>\n<ul>\n<li style=\"text-align: left;\" data-leveltext=\"\uf0b7\" data-font=\"Symbol\" data-listid=\"2\" data-list-defn-props=\"{&quot;335552541&quot;:1,&quot;335559684&quot;:-2,&quot;335559685&quot;:720,&quot;335559991&quot;:360,&quot;469769226&quot;:&quot;Symbol&quot;,&quot;469769242&quot;:[8226],&quot;469777803&quot;:&quot;left&quot;,&quot;469777804&quot;:&quot;\uf0b7&quot;,&quot;469777815&quot;:&quot;multilevel&quot;}\" aria-setsize=\"-1\" data-aria-posinset=\"1\" data-aria-level=\"1\"><span data-contrast=\"auto\">T\u00e1i c\u1ea5p v\u1ed1n cho kho\u1ea3n n\u1ee3 n\u01b0\u1edbc ngo\u00e0i c\u1ee7a b\u00ean vay.<\/span><span data-ccp-props=\"{&quot;201341983&quot;:0,&quot;335551550&quot;:6,&quot;335551620&quot;:6,&quot;335559685&quot;:1284,&quot;335559739&quot;:0,&quot;335559740&quot;:240}\">\u00a0<\/span><\/li>\n<li style=\"text-align: left;\" data-leveltext=\"\uf0b7\" data-font=\"Symbol\" data-listid=\"2\" data-list-defn-props=\"{&quot;335552541&quot;:1,&quot;335559684&quot;:-2,&quot;335559685&quot;:720,&quot;335559991&quot;:360,&quot;469769226&quot;:&quot;Symbol&quot;,&quot;469769242&quot;:[8226],&quot;469777803&quot;:&quot;left&quot;,&quot;469777804&quot;:&quot;\uf0b7&quot;,&quot;469777815&quot;:&quot;multilevel&quot;}\" aria-setsize=\"-1\" data-aria-posinset=\"2\" data-aria-level=\"1\"><span data-contrast=\"auto\">Thanh to\u00e1n c\u00e1c kho\u1ea3n n\u1ee3 ng\u1eafn h\u1ea1n c\u1ee7a b\u00ean vay (tr\u1eeb n\u1ee3 g\u1ed1c trong n\u01b0\u1edbc).<\/span><span data-ccp-props=\"{&quot;201341983&quot;:0,&quot;335551550&quot;:6,&quot;335551620&quot;:6,&quot;335559685&quot;:1284,&quot;335559739&quot;:0,&quot;335559740&quot;:240}\">\u00a0<\/span><\/li>\n<\/ul>\n<\/td>\n<td>\n<ul>\n<li style=\"text-align: left;\" data-leveltext=\"\uf0b7\" data-font=\"Symbol\" data-listid=\"3\" data-list-defn-props=\"{&quot;335552541&quot;:1,&quot;335559684&quot;:-2,&quot;335559685&quot;:720,&quot;335559991&quot;:360,&quot;469769226&quot;:&quot;Symbol&quot;,&quot;469769242&quot;:[8226],&quot;469777803&quot;:&quot;left&quot;,&quot;469777804&quot;:&quot;\uf0b7&quot;,&quot;469777815&quot;:&quot;multilevel&quot;}\" aria-setsize=\"-1\" data-aria-posinset=\"1\" data-aria-level=\"1\"><span data-contrast=\"auto\">T\u00e1i c\u1ea5p v\u1ed1n cho kho\u1ea3n n\u1ee3 n\u01b0\u1edbc ngo\u00e0i c\u1ee7a b\u00ean vay.<\/span><span data-ccp-props=\"{&quot;201341983&quot;:0,&quot;335551550&quot;:6,&quot;335551620&quot;:6,&quot;335559685&quot;:1284,&quot;335559739&quot;:0,&quot;335559740&quot;:240}\">\u00a0<\/span><\/li>\n<li style=\"text-align: left;\" data-leveltext=\"\uf0b7\" data-font=\"Symbol\" data-listid=\"3\" data-list-defn-props=\"{&quot;335552541&quot;:1,&quot;335559684&quot;:-2,&quot;335559685&quot;:720,&quot;335559991&quot;:360,&quot;469769226&quot;:&quot;Symbol&quot;,&quot;469769242&quot;:[8226],&quot;469777803&quot;:&quot;left&quot;,&quot;469777804&quot;:&quot;\uf0b7&quot;,&quot;469777815&quot;:&quot;multilevel&quot;}\" aria-setsize=\"-1\" data-aria-posinset=\"2\" data-aria-level=\"1\"><span data-contrast=\"auto\">T\u00e0i tr\u1ee3 cho c\u00e1c d\u1ef1 \u00e1n \u0111\u1ea7u t\u01b0 \u0111\u01b0\u1ee3c c\u1ea5p ph\u00e9p c\u1ee7a b\u00ean vay.<\/span><span data-ccp-props=\"{&quot;201341983&quot;:0,&quot;335551550&quot;:6,&quot;335551620&quot;:6,&quot;335559685&quot;:1284,&quot;335559739&quot;:0,&quot;335559740&quot;:240}\">\u00a0<\/span><\/li>\n<li style=\"text-align: left;\" data-leveltext=\"\uf0b7\" data-font=\"Symbol\" data-listid=\"3\" data-list-defn-props=\"{&quot;335552541&quot;:1,&quot;335559684&quot;:-2,&quot;335559685&quot;:720,&quot;335559991&quot;:360,&quot;469769226&quot;:&quot;Symbol&quot;,&quot;469769242&quot;:[8226],&quot;469777803&quot;:&quot;left&quot;,&quot;469777804&quot;:&quot;\uf0b7&quot;,&quot;469777815&quot;:&quot;multilevel&quot;}\" aria-setsize=\"-1\" data-aria-posinset=\"3\" data-aria-level=\"1\"><span data-contrast=\"auto\">T\u00e0i tr\u1ee3 cho \u201cph\u01b0\u01a1ng \u00e1n s\u1ea3n xu\u1ea5t kinh doanh, ho\u1ea1t \u0111\u1ed9ng kinh doanh v\u00e0 c\u00e1c d\u1ef1 \u00e1n kh\u00e1c\u201d c\u1ee7a b\u00ean vay.<\/span><span data-ccp-props=\"{&quot;201341983&quot;:0,&quot;335551550&quot;:6,&quot;335551620&quot;:6,&quot;335559685&quot;:1284,&quot;335559739&quot;:0,&quot;335559740&quot;:240}\">\u00a0<\/span><\/li>\n<\/ul>\n<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n[\/mk_table][vc_column_text css=&#8221;.vc_custom_1702979236962{margin-bottom: 0px !important;}&#8221;]<i><span data-contrast=\"none\">T\u00e1i c\u1ea5p v\u1ed1n cho kho\u1ea3n n\u1ee3 n\u01b0\u1edbc ngo\u00e0i c\u1ee7a b\u00ean vay<\/span><\/i><span data-ccp-props=\"{&quot;201341983&quot;:2,&quot;335551550&quot;:6,&quot;335551620&quot;:6,&quot;335559739&quot;:0,&quot;335559740&quot;:336}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">Th\u00f4ng T\u01b0 M\u1edbi n\u00eau r\u00f5 r\u1eb1ng vi\u1ec7c t\u00e1i c\u1ea5p v\u1ed1n cho c\u00e1c kho\u1ea3n n\u1ee3 n\u01b0\u1edbc ngo\u00e0i l\u00e0 m\u1ed9t l\u1ef1a ch\u1ecdn kh\u1ea3 d\u1ee5ng trong c\u1ea3 tr\u01b0\u1eddng h\u1ee3p vay n\u01b0\u1edbc ngo\u00e0i ng\u1eafn h\u1ea1n v\u00e0 trung, d\u00e0i h\u1ea1n. \u0110\u00e2y l\u00e0 \u0111i\u1ec3m l\u00e0m r\u00f5 \u0111\u00e1ng hoan ngh\u00eanh.<\/span><span data-ccp-props=\"{&quot;201341983&quot;:2,&quot;335551550&quot;:6,&quot;335551620&quot;:6,&quot;335559739&quot;:300,&quot;335559740&quot;:336}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">\u0110\u00e1ng ch\u00fa \u00fd l\u00e0 Th\u00f4ng T\u01b0 Hi\u1ec7n H\u00e0nh y\u00eau c\u1ea7u chi ph\u00ed vay n\u01b0\u1edbc ngo\u00e0i m\u1edbi kh\u00f4ng \u0111\u01b0\u1ee3c cao h\u01a1n chi ph\u00ed c\u1ee7a kho\u1ea3n n\u1ee3 n\u01b0\u1edbc ngo\u00e0i hi\u1ec7n t\u1ea1i \u0111ang \u0111\u01b0\u1ee3c t\u00e1i c\u1ea5p v\u1ed1n v\u00e0 y\u00eau c\u1ea7u n\u00e0y kh\u00f4ng \u0111\u01b0\u1ee3c gi\u1eef l\u1ea1i trong Th\u00f4ng T\u01b0 M\u1edbi. \u0110\u00e2y c\u0169ng l\u00e0 m\u1ed9t thay \u0111\u1ed5i ch\u00ednh s\u00e1ch r\u1ea5t \u0111\u00e1ng hoan ngh\u00eanh v\u00ec chi ph\u00ed vay trong qu\u00e1 tr\u00ecnh t\u00e1i c\u01a1 c\u1ea5u ho\u1eb7c g\u1eb7p kh\u00f3 kh\u0103n th\u01b0\u1eddng kh\u00e1 cao, \u0111\u1eb7c bi\u1ec7t khi so s\u00e1nh v\u1edbi chi ph\u00ed vay ph\u00e1t sinh trong giai \u0111o\u1ea1n m\u00e0 c\u00e1c doanh nghi\u1ec7p c\u00f3 th\u1ec3 \u0111\u1ea3m b\u1ea3o ngu\u1ed3n v\u1ed1n v\u1edbi l\u00e3i su\u1ea5t \u01b0u \u0111\u00e3i h\u01a1n.<\/span><span data-ccp-props=\"{&quot;201341983&quot;:2,&quot;335551550&quot;:6,&quot;335551620&quot;:6,&quot;335559739&quot;:300,&quot;335559740&quot;:336}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">V\u1ec1 th\u1eddi h\u1ea1n c\u1ee7a kho\u1ea3n vay m\u1edbi so v\u1edbi kho\u1ea3n n\u1ee3 n\u01b0\u1edbc ngo\u00e0i hi\u1ec7n t\u1ea1i s\u1ebd \u0111\u01b0\u1ee3c t\u00e1i c\u1ea5p v\u1ed1n, Th\u00f4ng T\u01b0 M\u1edbi kh\u00f4ng quy \u0111\u1ecbnh, cho th\u1ea5y kh\u00f4ng c\u00f3 h\u1ea1n ch\u1ebf n\u00e0o trong v\u1ea5n \u0111\u1ec1 n\u00e0y. L\u00fd do l\u00e0 c\u00e1c kho\u1ea3n vay n\u01b0\u1edbc ngo\u00e0i ng\u1eafn h\u1ea1n c\u00f3 th\u1ec3 \u0111\u01b0\u1ee3c s\u1eed d\u1ee5ng \u0111\u1ec3 t\u00e1i c\u1ea5p v\u1ed1n cho c\u00e1c kho\u1ea3n n\u1ee3 n\u01b0\u1edbc ngo\u00e0i trung v\u00e0 d\u00e0i h\u1ea1n. S\u1ef1 linh ho\u1ea1t n\u00e0y c\u0169ng c\u1ea7n thi\u1ebft trong t\u00ecnh hu\u1ed1ng doanh nghi\u1ec7p t\u00e1i c\u01a1 c\u1ea5u ho\u1eb7c g\u1eb7p kh\u00f3 kh\u0103n.<\/span><span data-ccp-props=\"{&quot;201341983&quot;:2,&quot;335551550&quot;:6,&quot;335551620&quot;:6,&quot;335559739&quot;:300,&quot;335559740&quot;:336}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">Ngo\u00e0i vi\u1ec7c t\u00e1i c\u1ea5p v\u1ed1n cho c\u00e1c kho\u1ea3n n\u1ee3 n\u01b0\u1edbc ngo\u00e0i, m\u1ee5c \u0111\u00edch c\u1ee7a c\u00e1c kho\u1ea3n vay n\u01b0\u1edbc ngo\u00e0i ng\u1eafn h\u1ea1n v\u00e0 c\u00e1c kho\u1ea3n vay n\u01b0\u1edbc ngo\u00e0i trung v\u00e0 d\u00e0i h\u1ea1n c\u00f3 s\u1ef1 kh\u00e1c bi\u1ec7t \u0111\u00e1ng k\u1ec3. Trong c\u00e1c ph\u1ea7n sau, ch\u00fang ta s\u1ebd \u0111i s\u00e2u h\u01a1n v\u00e0o nh\u1eefng m\u1ee5c \u0111\u00edch ri\u00eang bi\u1ec7t n\u00e0y.<\/span><span data-ccp-props=\"{&quot;201341983&quot;:2,&quot;335551550&quot;:6,&quot;335551620&quot;:6,&quot;335559739&quot;:300,&quot;335559740&quot;:336}\">\u00a0<\/span><\/p>\n<p><i><span data-contrast=\"none\">Thanh to\u00e1n c\u00e1c kho\u1ea3n n\u1ee3 ng\u1eafn h\u1ea1n c\u1ee7a b\u00ean vay\u00a0<\/span><\/i><span data-ccp-props=\"{&quot;201341983&quot;:2,&quot;335551550&quot;:6,&quot;335551620&quot;:6,&quot;335559739&quot;:0,&quot;335559740&quot;:336}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">Kho\u1ea3n vay ng\u1eafn h\u1ea1n n\u01b0\u1edbc ngo\u00e0i c\u00f3 th\u1ec3 \u0111\u01b0\u1ee3c s\u1eed d\u1ee5ng \u0111\u1ec3 thanh to\u00e1n c\u00e1c kho\u1ea3n n\u1ee3 ng\u1eafn h\u1ea1n c\u1ee7a b\u00ean vay. NHNN \u0111\u00e3 n\u1ed7 l\u1ef1c l\u00e0m r\u00f5 ph\u1ea1m vi c\u1ee7a m\u1ee5c \u0111\u00edch n\u00e0y b\u1eb1ng c\u00e1ch tham kh\u1ea3o \u0111\u1ecbnh ngh\u0129a v\u1ec1 n\u1ee3 ng\u1eafn h\u1ea1n theo c\u00e1c nguy\u00ean t\u1eafc k\u1ebf to\u00e1n Vi\u1ec7t Nam. Ch\u00fang bao g\u1ed3m c\u00e1c kho\u1ea3n n\u1ee3 \u0111\u01b0\u1ee3c ghi \u1edf m\u1ee5c 310 trong b\u1ea3ng c\u00e2n \u0111\u1ed1i k\u1ebf to\u00e1n (c\u1ee5 th\u1ec3 l\u00e0 c\u00e1c kho\u1ea3n n\u1ee3 ng\u1eafn h\u1ea1n) v\u00e0 bao g\u1ed3m c\u00e1c kho\u1ea3n ph\u1ea3i tr\u1ea3 th\u01b0\u01a1ng m\u1ea1i ng\u1eafn h\u1ea1n, thu\u1ebf v\u00e0 c\u00e1c kho\u1ea3n thanh to\u00e1n kh\u00e1c c\u1ee7a ch\u00ednh ph\u1ee7, kho\u1ea3n ph\u1ea3i tr\u1ea3 cho nh\u00e2n vi\u00ean, c\u00e1c kho\u1ea3n ph\u1ea3i tr\u1ea3 ng\u1eafn h\u1ea1n, c\u00e1c kho\u1ea3n thanh to\u00e1n theo h\u1ee3p \u0111\u1ed3ng x\u00e2y d\u1ef1ng, v.v.<\/span><span data-ccp-props=\"{&quot;201341983&quot;:2,&quot;335551550&quot;:6,&quot;335551620&quot;:6,&quot;335559739&quot;:300,&quot;335559740&quot;:336}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">Ch\u00fang t\u00f4i l\u01b0u \u00fd 2 v\u1ea5n \u0111\u1ec1.<\/span><span data-ccp-props=\"{&quot;201341983&quot;:2,&quot;335551550&quot;:6,&quot;335551620&quot;:6,&quot;335559739&quot;:300,&quot;335559740&quot;:336}\">\u00a0<\/span><\/p>\n<ul>\n<li data-leveltext=\"\uf0b7\" data-font=\"Symbol\" data-listid=\"4\" data-list-defn-props=\"{&quot;335552541&quot;:1,&quot;335559684&quot;:-2,&quot;335559685&quot;:720,&quot;335559991&quot;:360,&quot;469769226&quot;:&quot;Symbol&quot;,&quot;469769242&quot;:[8226],&quot;469777803&quot;:&quot;left&quot;,&quot;469777804&quot;:&quot;\uf0b7&quot;,&quot;469777815&quot;:&quot;multilevel&quot;}\" aria-setsize=\"-1\" data-aria-posinset=\"1\" data-aria-level=\"1\"><span data-contrast=\"none\">Th\u1ee9 nh\u1ea5t, theo th\u00f4ng l\u1ec7 k\u1ebf to\u00e1n Vi\u1ec7t Nam, n\u1ee3 ng\u1eafn h\u1ea1n bao g\u1ed3m c\u00e1c kho\u1ea3n vay v\u00e0 n\u1ee3 thu\u00ea ng\u1eafn h\u1ea1n. Tuy nhi\u00ean, Th\u00f4ng t\u01b0 08 n\u00eau r\u00f5 c\u00e1c kho\u1ea3n n\u1ee3 ng\u1eafn h\u1ea1n n\u00e0y kh\u00f4ng bao g\u1ed3m kho\u1ea3n n\u1ee3 g\u1ed1c trong n\u01b0\u1edbc. <\/span><span data-contrast=\"none\">K\u1ebft qu\u1ea3<\/span><span data-contrast=\"none\"> l\u00e0<\/span><span data-contrast=\"none\">,<\/span><span data-contrast=\"none\"> Th\u00f4ng t\u01b0 08 kh\u00f4ng cho ph\u00e9p s\u1eed d\u1ee5ng ngu\u1ed3n vay ng\u1eafn h\u1ea1n n\u01b0\u1edbc ngo\u00e0i \u0111\u1ec3 t\u00e1i c\u1ea5p v\u1ed1n cho kho\u1ea3n n\u1ee3 g\u1ed1c trong n\u01b0\u1edbc, m\u1eb7c d\u00f9 Th\u00f4ng t\u01b0 n\u00e0y d\u01b0\u1eddng nh\u01b0 cho ph\u00e9pvay n\u01b0\u1edbc ngo\u00e0i ng\u1eafn h\u1ea1n \u0111\u1ec3 tr\u1ea3 l\u00e3i v\u00e0 c\u00e1c kho\u1ea3n ph\u1ea3i tr\u1ea3 kh\u00e1c. Vay n\u01b0\u1edbc ngo\u00e0i ng\u1eafn h\u1ea1n \u0111\u1ec3 tr\u1ea3 l\u00e3i vay hi\u1ec3n nhi\u00ean <\/span><span data-contrast=\"none\">\u0111\u01b0\u1ee3c cho ph\u00e9p <\/span><span data-contrast=\"none\">v\u00ec chi ph\u00ed l\u00e3i vay l\u00e0 m\u1ed9t trong nh\u1eefng kho\u1ea3n n\u1ee3 ng\u1eafn h\u1ea1n \u0111\u01b0\u1ee3c ghi nh\u1eadn t\u1ea1i m\u1ee5c 310 tr\u00ean b\u1ea3ng c\u00e2n \u0111\u1ed1i k\u1ebf to\u00e1n.<\/span><span data-ccp-props=\"{&quot;201341983&quot;:0,&quot;335551550&quot;:6,&quot;335551620&quot;:6,&quot;335559685&quot;:1284,&quot;335559739&quot;:0,&quot;335559740&quot;:240}\">\u00a0<\/span><\/li>\n<\/ul>\n<p><span data-ccp-props=\"{&quot;201341983&quot;:0,&quot;335551550&quot;:6,&quot;335551620&quot;:6,&quot;335559685&quot;:1284,&quot;335559739&quot;:0,&quot;335559740&quot;:240}\">\u00a0<\/span><\/p>\n<ul>\n<li data-leveltext=\"\uf0b7\" data-font=\"Symbol\" data-listid=\"4\" data-list-defn-props=\"{&quot;335552541&quot;:1,&quot;335559684&quot;:-2,&quot;335559685&quot;:720,&quot;335559991&quot;:360,&quot;469769226&quot;:&quot;Symbol&quot;,&quot;469769242&quot;:[8226],&quot;469777803&quot;:&quot;left&quot;,&quot;469777804&quot;:&quot;\uf0b7&quot;,&quot;469777815&quot;:&quot;multilevel&quot;}\" aria-setsize=\"-1\" data-aria-posinset=\"2\" data-aria-level=\"1\"><span data-contrast=\"none\">Th\u1ee9 hai, v\u1eabn c\u00f2n s\u1ef1 m\u01a1 h\u1ed3 v\u1ec1 vi\u1ec7c li\u1ec7u Th\u00f4ng t\u01b0 08 c\u00f3 cho ph\u00e9p s\u1eed d\u1ee5ng v\u1ed1n vay ng\u1eafn h\u1ea1n cho m\u1ee5c \u0111\u00edch M&amp;A hay kh\u00f4ng. D\u01b0\u1eddng nh\u01b0 n\u1ee3 ng\u1eafn h\u1ea1n \u0111\u01b0\u1ee3c ghi nh\u1eadn t\u1ea1i m\u1ee5c 310 c\u1ee7a b\u1ea3ng c\u00e2n \u0111\u1ed1i k\u1ebf to\u00e1n kh\u00f4ng bao g\u1ed3m c\u00e1c kho\u1ea3n thanh to\u00e1n g\u00f3p v\u1ed1n v\u00e0 mua c\u1ed5 ph\u1ea7n. Do m\u1ee5c \u0111\u00edch c\u1ee7a vi\u1ec7c vay ng\u1eafn h\u1ea1n ch\u1ec9 gi\u1edbi h\u1ea1n \u1edf c\u00e1c kho\u1ea3n n\u1ee3 ng\u1eafn h\u1ea1n \u0111\u01b0\u1ee3c ghi nh\u1eadn t\u1ea1i m\u1ee5c 310, <\/span><span data-contrast=\"none\">\u00a0r\u00f5 r\u00e0ng r\u1eb1ng<\/span><span data-contrast=\"none\"> t\u00e0i tr\u1ee3 cho m\u1ee5c \u0111\u00edch M&amp;A <\/span><span data-contrast=\"none\">l\u00e0 <\/span><span data-contrast=\"none\">kh\u00f4ng \u0111\u01b0\u1ee3c ph\u00e9p. M\u1ed9t c\u1ea5u tr\u00fac th\u00fa v\u1ecb <\/span><span data-contrast=\"none\">g\u1ea7n \u0111\u00e2y <\/span><span data-contrast=\"none\">\u0111\u00e3 \u0111\u01b0\u1ee3c ph\u00e1t tri\u1ec3n tr\u00ean th\u1ecb tr\u01b0\u1eddng li\u00ean quan \u0111\u1ebfn c\u00e1c th\u1ecfa thu\u1eadn thanh to\u00e1n tr\u1ea3 ch\u1eadm<\/span><span data-contrast=\"none\">, theo \u0111\u00f3, k<\/span><span data-contrast=\"none\">ho\u1ea3n \u0111\u1ed1i \u1ee9ng c\u00f3 th\u1ec3 \u0111\u01b0\u1ee3c thanh to\u00e1n b\u1eb1ng h\u1ed1i phi\u1ebfu nh\u1eadn n\u1ee3 do b\u00ean mua ph\u00e1t h\u00e0nh cho b\u00ean b\u00e1n. Tr\u00ean th\u1ef1c t\u1ebf, h\u1ed1i phi\u1ebfu nh\u1eadn n\u1ee3 \u0111\u00f3 (t\u00f9y thu\u1ed9c v\u00e0o th\u1eddi gian \u0111\u00e1o h\u1ea1n v\u00e0 h\u00ecnh th\u1ee9c x\u1eed l\u00fd k\u1ebf to\u00e1n) t\u1ea1o ra kho\u1ea3n n\u1ee3 ng\u1eafn h\u1ea1n. Hi\u1ec7n t\u1ea1i, v\u1eabn ch\u01b0a r\u00f5 li\u1ec7u kho\u1ea3n vay ng\u1eafn h\u1ea1n c\u00f3 th\u1ec3 \u0111\u01b0\u1ee3c s\u1eed d\u1ee5ng \u0111\u1ec3 t\u00e0i tr\u1ee3 cho ngh\u0129a v\u1ee5 tr\u1ea3 ch\u1eadm \u0111\u00f3 theo h\u1ed1i phi\u1ebfu nh\u1eadn n\u1ee3 hay kh\u00f4ng. Kh\u00eda c\u1ea1nh n\u00e0y c\u1ea7n \u0111\u01b0\u1ee3c l\u00e0m r\u00f5 th\u00eam.<\/span><span data-ccp-props=\"{&quot;201341983&quot;:0,&quot;335551550&quot;:6,&quot;335551620&quot;:6,&quot;335559685&quot;:1284,&quot;335559739&quot;:0,&quot;335559740&quot;:240}\">\u00a0<\/span><\/li>\n<\/ul>\n<p><span data-ccp-props=\"{&quot;201341983&quot;:0,&quot;335559685&quot;:720,&quot;335559739&quot;:160,&quot;335559740&quot;:259}\">\u00a0<\/span><\/p>\n<p><i><span data-contrast=\"none\">T\u00e0i tr\u1ee3 cho c\u00e1c d\u1ef1 \u00e1n \u0111\u1ea7u t\u01b0 \u0111\u00e3 \u0111\u01b0\u1ee3c c\u1ea5p ph\u00e9p <\/span><\/i><i><span data-contrast=\"none\">v\u00e0 <\/span><\/i><i><span data-contrast=\"none\">\u201cph\u01b0\u01a1ng \u00e1n s\u1ea3n xu\u1ea5t kinh doanh, ho\u1ea1t \u0111\u1ed9ng kinh doanh v\u00e0 c\u00e1c d\u1ef1 \u00e1n kh\u00e1c\u201d c\u1ee7a b\u00ean vay <\/span><\/i><span data-ccp-props=\"{&quot;201341983&quot;:2,&quot;335551550&quot;:6,&quot;335551620&quot;:6,&quot;335559739&quot;:0,&quot;335559740&quot;:336}\">\u00a0<\/span><\/p>\n<p><span data-ccp-props=\"{&quot;201341983&quot;:2,&quot;335551550&quot;:6,&quot;335551620&quot;:6,&quot;335559739&quot;:0,&quot;335559740&quot;:336}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">Vi\u1ec7c t\u00e0i tr\u1ee3 cho c\u00e1c d\u1ef1 \u00e1n \u0111\u1ea7u t\u01b0 c\u1ee7a b\u00ean vay ch\u1ec9 gi\u1edbi h\u1ea1n \u1edf c\u00e1c d\u1ef1 \u00e1n c\u00f3 gi\u1ea5y ph\u00e9p \u0111\u1ea7u t\u01b0. Th\u00f4ng T\u01b0 M\u1edbi y\u00eau c\u1ea7u r\u1eb1ng c\u00e1c d\u1ef1 \u00e1n \u0111\u01b0\u1ee3c c\u1ea5p v\u1ed1nph\u1ea3i c\u00f3 (i) gi\u1ea5y ch\u1ee9ng nh\u1eadn \u0111\u1ea7u t\u01b0, (ii) gi\u1ea5y ch\u1ee9ng nh\u1eadn \u0111\u0103ng k\u00fd \u0111\u1ea7u t\u01b0<\/span><span data-contrast=\"none\">,<\/span><span data-contrast=\"none\"> ho\u1eb7c (iii) ph\u00ea duy\u1ec7t v\u1ed1n \u0111\u1ea7u t\u01b0. C\u00e1c gi\u1ea5y ph\u00e9p n\u00e0y \u0111\u01b0\u1ee3c c\u1ea5p theo lu\u1eadt \u0111\u1ea7u t\u01b0. \u0110\u00e1ng ch\u00fa \u00fd, c\u00e1c lo\u1ea1i gi\u1ea5y ph\u00e9p \u0111\u1ea7u t\u01b0 n\u00e0y ch\u1ee7 y\u1ebfu \u00e1p d\u1ee5ng cho c\u00e1c d\u1ef1 \u00e1n c\u00f3 v\u1ed1n \u0111\u1ea7u t\u01b0 n\u01b0\u1edbc ngo\u00e0i v\u00e0 c\u00e1c d\u1ef1 \u00e1n kh\u00e1c c\u00f3 gi\u00e1 tr\u1ecb \u0111\u1ea7u t\u01b0 cao. N\u00f3i c\u00e1ch kh\u00e1c, kh\u00f4ng ph\u1ea3i d\u1ef1 \u00e1n \u0111\u1ea7u t\u01b0 n\u00e0o c\u0169ng c\u00f3 m\u1ed9t trong <\/span><span data-contrast=\"none\">c\u00e1c<\/span><span data-contrast=\"none\"> lo\u1ea1i gi\u1ea5y ph\u00e9p tr\u00ean. Ngo\u00e0i ra, t\u1ed5ng s\u1ed1 ti\u1ec1n g\u1ed1c (kh\u00f4ng bao g\u1ed3m l\u00e3i v\u00e0 c\u00e1c kho\u1ea3n ph\u1ea3i tr\u1ea3 kh\u00e1c) c\u1ee7a t\u1ea5t c\u1ea3 c\u00e1c kho\u1ea3n vay n\u01b0\u1edbc ngo\u00e0i trung v\u00e0 d\u00e0i h\u1ea1n kh\u00f4ng \u0111\u01b0\u1ee3c v\u01b0\u1ee3t qu\u00e1 v\u1ed1n vay c\u1ee7a d\u1ef1 \u00e1n \u0111\u1ea7u t\u01b0 \u0111\u01b0\u1ee3c c\u1ea5p ph\u00e9p (\u0111\u01b0\u1ee3c x\u00e1c \u0111\u1ecbnh b\u1eb1ng t\u1ed5ng v\u1ed1n \u0111\u1ea7u t\u01b0 tr\u1eeb \u0111i v\u1ed1n t\u1ef1 c\u00f3, nh\u01b0 <\/span><span data-contrast=\"none\">\u0111\u01b0\u1ee3c <\/span><span data-contrast=\"none\">quy \u0111\u1ecbnh t\u1ea1i gi\u1ea5y ph\u00e9p \u0111\u1ea7u t\u01b0).<\/span><span data-ccp-props=\"{&quot;201341983&quot;:2,&quot;335551550&quot;:6,&quot;335551620&quot;:6,&quot;335559739&quot;:300,&quot;335559740&quot;:336}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">\u0110\u1ed1i v\u1edbi c\u00e1c d\u1ef1 \u00e1n kh\u00f4ng c\u00f3 c\u00e1c gi\u1ea5y ph\u00e9p n\u00f3i tr\u00ean, h\u1ed3 s\u01a1 vay v\u1ed1n g\u1eedi NHNN ph\u1ea3i ch\u1ee9ng minh r\u1eb1ng kho\u1ea3n vay nh\u1eb1m m\u1ee5c \u0111\u00edch t\u00e0i tr\u1ee3 cho \u201ck\u1ebf ho\u1ea1ch s\u1ea3n xu\u1ea5t kinh doanh, ho\u1ea1t \u0111\u1ed9ng kinh doanh v\u00e0 c\u00e1c d\u1ef1 \u00e1n kh\u00e1c\u201d. Tuy nhi\u00ean, Th\u00f4ng t\u01b0 08 kh\u00f4ng \u0111\u01b0a ra h\u01b0\u1edbng d\u1eabn c\u1ee5 th\u1ec3 h\u01a1n v\u1ec1 m\u1ee5c \u0111\u00edch n\u00e0y, vi\u1ec7c ph\u00ea duy\u1ec7t kho\u1ea3n vay n\u01b0\u1edbc ngo\u00e0i l\u00e0 quy\u1ebft \u0111\u1ecbnh c\u1ee7a NHNN.<\/span><span data-ccp-props=\"{&quot;201341983&quot;:2,&quot;335551550&quot;:6,&quot;335551620&quot;:6,&quot;335559739&quot;:300,&quot;335559740&quot;:336}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">Ch\u00fang t\u00f4i l\u01b0u \u00fd <\/span><span data-contrast=\"none\">\u00a0hai<\/span><span data-contrast=\"none\"> v\u1ea5n \u0111\u1ec1.<\/span><span data-ccp-props=\"{&quot;201341983&quot;:2,&quot;335551550&quot;:6,&quot;335551620&quot;:6,&quot;335559739&quot;:300,&quot;335559740&quot;:336}\">\u00a0<\/span><\/p>\n<ul>\n<li data-leveltext=\"\uf0b7\" data-font=\"Symbol\" data-listid=\"5\" data-list-defn-props=\"{&quot;335552541&quot;:1,&quot;335559684&quot;:-2,&quot;335559685&quot;:720,&quot;335559991&quot;:360,&quot;469769226&quot;:&quot;Symbol&quot;,&quot;469769242&quot;:[8226],&quot;469777803&quot;:&quot;left&quot;,&quot;469777804&quot;:&quot;\uf0b7&quot;,&quot;469777815&quot;:&quot;multilevel&quot;}\" aria-setsize=\"-1\" data-aria-posinset=\"3\" data-aria-level=\"1\"><span data-contrast=\"none\">Th\u1ee9 nh\u1ea5t, t\u00e0i tr\u1ee3 cho c\u00e1c d\u1ef1 \u00e1n \u0111\u1ea7u t\u01b0 \u0111\u01b0\u1ee3c c\u1ea5p ph\u00e9p v\u00e0 \u201cc\u00e1c k\u1ebf ho\u1ea1ch s\u1ea3n xu\u1ea5t kinh doanh, ho\u1ea1t \u0111\u1ed9ng kinh doanh v\u00e0 c\u00e1c d\u1ef1 \u00e1n kh\u00e1c\u201d kh\u00f4ng bao g\u1ed3m vi\u1ec7c t\u00e1i c\u1ea5p v\u1ed1n cho c\u00e1c kho\u1ea3n n\u1ee3 trong n\u01b0\u1edbc. Th\u00f4ng T\u01b0 M\u1edbi kh\u00f4ng cho ph\u00e9p s\u1eed d\u1ee5ng v\u1ed1n vay n\u01b0\u1edbc ngo\u00e0i trung v\u00e0 d\u00e0i h\u1ea1n \u0111\u1ec3 t\u00e1i c\u1ea5p v\u1ed1n cho c\u00e1c kho\u1ea3n n\u1ee3 trong n\u01b0\u1edbc hi\u1ec7n c\u00f3 trong b\u1ed1i c\u1ea3nh n\u00e0y<\/span><span data-ccp-props=\"{&quot;201341983&quot;:0,&quot;335551550&quot;:6,&quot;335551620&quot;:6,&quot;335559685&quot;:1284,&quot;335559739&quot;:0,&quot;335559740&quot;:240}\">\u00a0<\/span><\/li>\n<\/ul>\n<p><span data-ccp-props=\"{&quot;201341983&quot;:0,&quot;335551550&quot;:6,&quot;335551620&quot;:6,&quot;335559685&quot;:1284,&quot;335559739&quot;:0,&quot;335559740&quot;:240}\">\u00a0<\/span><\/p>\n<ul>\n<li data-leveltext=\"\uf0b7\" data-font=\"Symbol\" data-listid=\"5\" data-list-defn-props=\"{&quot;335552541&quot;:1,&quot;335559684&quot;:-2,&quot;335559685&quot;:720,&quot;335559991&quot;:360,&quot;469769226&quot;:&quot;Symbol&quot;,&quot;469769242&quot;:[8226],&quot;469777803&quot;:&quot;left&quot;,&quot;469777804&quot;:&quot;\uf0b7&quot;,&quot;469777815&quot;:&quot;multilevel&quot;}\" aria-setsize=\"-1\" data-aria-posinset=\"4\" data-aria-level=\"1\"><span data-contrast=\"none\">Th\u1ee9 hai, <\/span><span data-contrast=\"none\">ch\u01b0a r\u00f5<\/span><span data-contrast=\"none\"> li\u1ec7u Th\u00f4ng t\u01b0 08 c\u00f3 cho ph\u00e9p s\u1eed d\u1ee5ng v\u1ed1n vay n\u01b0\u1edbc ngo\u00e0i trung v\u00e0 d\u00e0i h\u1ea1n cho m\u1ee5c \u0111\u00edch M&amp;A hay kh\u00f4ng. <\/span><span data-contrast=\"none\">N\u1ebfu<\/span><span data-contrast=\"none\"> m\u1ed9t doanh nghi\u1ec7p \u0111\u1ecba ph\u01b0\u01a1ng \u0111\u1ea7u t\u01b0 v\u00e0o m\u1ed9t m\u1ee5c ti\u00eau ho\u1ea1t \u0111\u1ed9ng trong c\u00f9ng l\u0129nh v\u1ef1c kinh doanh, kho\u1ea3n \u0111\u1ea7u t\u01b0 \u0111\u00f3 c\u00f3 th\u1ec3 <\/span><span data-contrast=\"none\">\u0111\u01b0\u1ee3c xem x\u00e9t<\/span><span data-contrast=\"none\"> l\u00e0 m\u1ed9t d\u1ef1 \u00e1n \u0111\u1ea7u t\u01b0 \u0111\u01b0\u1ee3c c\u1ea5p ph\u00e9p <\/span><span data-contrast=\"none\">v\u00e0 c\u00f3 <\/span><span data-contrast=\"none\">\u0111\u1ee7 \u0111i\u1ec1u ki\u1ec7n nh\u1eadn t\u00e0i tr\u1ee3 th\u00f4ng qua <\/span><span data-contrast=\"none\">v\u1ed1n <\/span><span data-contrast=\"none\">vay n\u01b0\u1edbc ngo\u00e0i trung v\u00e0 d\u00e0i h\u1ea1n. V\u00ed d\u1ee5, m\u1ed9t c\u00f4ng ty b\u1ea5t \u0111\u1ed9ng s\u1ea3n th\u00e0nh l\u1eadp m\u1ed9t c\u00f4ng ty d\u1ef1 \u00e1n <\/span><span data-contrast=\"none\">\u0111\u1ec3 <\/span><span data-contrast=\"none\">ph\u00e1t tri\u1ec3n m\u1ed9t d\u1ef1 \u00e1n b\u1ea5t \u0111\u1ed9ng s\u1ea3n \u0111\u01b0\u1ee3c c\u1ea5p ph\u00e9p m\u1edbi<\/span><span data-contrast=\"none\">, ho\u1eb7c<\/span><span data-contrast=\"none\"> mua l\u1ea1i m\u1ed9t d\u1ef1 \u00e1n b\u1ea5t \u0111\u1ed9ng s\u1ea3n m\u1edbi \u0111\u01b0\u1ee3c c\u1ea5p ph\u00e9p b\u1eb1ng c\u00e1ch mua l\u1ea1i c\u1ed5 ph\u1ea7n c\u1ee7a c\u00f4ng ty d\u1ef1 \u00e1n<\/span><span data-contrast=\"none\">,<\/span><span data-contrast=\"none\"> c\u00f3 th\u1ec3 vay c\u00e1c kho\u1ea3n vay n\u01b0\u1edbc ngo\u00e0i trung v\u00e0 d\u00e0i h\u1ea1n \u0111\u1ec3 t\u00e0i tr\u1ee3 cho vi\u1ec7c g\u00f3p v\u1ed1n ho\u1eb7c mua c\u1ed5 ph\u1ea7n <\/span><span data-contrast=\"none\">v\u00ec<\/span><span data-contrast=\"none\"> vi\u1ec7c g\u00f3p v\u1ed1n ho\u1eb7c mua l\u1ea1i \u0111\u00f3 li\u00ean quan \u0111\u1ebfn d\u1ef1 \u00e1n \u0111\u1ea7u t\u01b0 \u0111\u01b0\u1ee3c c\u1ea5p ph\u00e9p. T\u01b0\u01a1ng t\u1ef1, <\/span><span data-contrast=\"none\">c\u00e1c<\/span><span data-contrast=\"none\"> c\u00f4ng ty m\u1eb9 <\/span><span data-contrast=\"none\">th\u01b0\u1eddng <\/span><span data-contrast=\"none\">vay v\u1ed1n v\u00e0 chuy\u1ec3n ch\u00fang \u0111\u1ebfn c\u00e1c c\u00f4ng ty con \u0111ang ho\u1ea1t \u0111\u1ed9ng d\u01b0\u1edbi d\u1ea1ng \u0111\u1ea7u t\u01b0 v\u00e0o c\u00e1c c\u00f4ng ty con. Nh\u1eefng th\u00f4ng l\u1ec7 \u0111\u00f3 v\u1eabn c\u00f3 th\u1ec3 \u0111\u01b0\u1ee3c xem x\u00e9t v\u00e0 th\u1ea3o lu\u1eadn v\u1edbi NHNN t\u00f9y t\u1eebng tr\u01b0\u1eddng h\u1ee3p c\u1ee5 th\u1ec3.<\/span><span data-ccp-props=\"{&quot;201341983&quot;:0,&quot;335551550&quot;:6,&quot;335551620&quot;:6,&quot;335559685&quot;:1284,&quot;335559739&quot;:0,&quot;335559740&quot;:240}\">\u00a0<\/span><\/li>\n<\/ul>\n<p><span data-ccp-props=\"{&quot;201341983&quot;:0,&quot;335559685&quot;:720,&quot;335559739&quot;:160,&quot;335559740&quot;:259}\">\u00a0<\/span><\/p>\n<p><strong>Chi Ph\u00ed Vay N\u01b0\u1edbc Ngo\u00e0i\u00a0<\/strong><\/p>\n<p><span data-contrast=\"none\">Nh\u01b0 \u0111\u00e3 l\u01b0u \u00fd tr\u01b0\u1edbc \u0111\u00f3, NHNN \u0111\u00e3 xem x\u00e9t \u0111\u1ec1 xu\u1ea5t t\u1eeb c\u00e1c b\u00ean li\u00ean quan, d\u1eabn \u0111\u1ebfn nh\u1eefng s\u1eeda \u0111\u1ed5i \u0111\u00e1ng k\u1ec3 trong Th\u00f4ng T\u01b0 M\u1edbi. C\u00e1c d\u1ef1 th\u1ea3o tr\u01b0\u1edbc \u0111\u00e2y c\u1ee7a Th\u00f4ng T\u01b0 M\u1edbi quy \u0111\u1ecbnh m\u1ee9c tr\u1ea7n b\u1eb1ng l\u00e3i su\u1ea5t tham chi\u1ebfu (v\u00ed d\u1ee5: L\u00e3i su\u1ea5t c\u00f3 k\u1ef3 h\u1ea1n SOFR) c\u1ed9ng v\u1edbi 8% m\u1ed7i n\u0103m. <\/span><span data-contrast=\"none\">H\u01a1n n\u1eefa, c\u00e1c d\u1ef1 th\u1ea3o \u00e1p \u00e1p \u0111\u1eb7t<\/span><span data-contrast=\"none\"> ph\u00f2ng ng\u1eeba r\u1ee7i ro ngo\u1ea1i h\u1ed1i b\u1eaft bu\u1ed9c nh\u01b0 m\u1ed9t bi\u1ec7n ph\u00e1p b\u1ea3o v\u1ec7 ch\u1ed1ng l\u1ea1i bi\u1ebfn \u0111\u1ed9ng ti\u1ec1n t\u1ec7 trong m\u1ed9t s\u1ed1 tr\u01b0\u1eddng h\u1ee3p nh\u1ea5t \u0111\u1ecbnh.,<\/span><span data-contrast=\"none\">Ng\u01b0\u1ee3c l\u1ea1i,<\/span><span data-contrast=\"none\"> Th\u00f4ng T\u01b0 M\u1edbi \u00e1p d\u1ee5ng c\u00e1ch ti\u1ebfp c\u1eadn linh ho\u1ea1t h\u01a1n \u0111\u1ec3 gi\u1ea3i quy\u1ebft nh\u1eefng lo ng\u1ea1i li\u00ean quan \u0111\u1ebfn nh\u1eefng h\u1ea1n ch\u1ebf n\u00e0y.<\/span><span data-ccp-props=\"{&quot;201341983&quot;:2,&quot;335551550&quot;:6,&quot;335551620&quot;:6,&quot;335559739&quot;:300,&quot;335559740&quot;:336}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">Hi\u1ec7n t\u1ea1i, Th\u00f4ng t\u01b0 08 ch\u01b0a quy \u0111\u1ecbnh m\u1ee9c tr\u1ea7n chi ph\u00ed vay. Tuy nhi\u00ean, NHNN \u0111\u00f4i khi c\u00f3 th\u1ec3 \u00e1p \u0111\u1eb7t m\u1ee9c tr\u1ea7n nh\u01b0 v\u1eady n\u1ebfu c\u1ea7n thi\u1ebft. Hi\u1ec7n t\u1ea1i, c\u00f3 th\u1ec3 vay v\u1edbi chi ph\u00ed cao trong v\u1ed1n c\u1ed5 ph\u1ea7n t\u01b0 nh\u00e2n, c\u00e1c giao d\u1ecbch kh\u00f3 kh\u0103n ho\u1eb7c t\u00e1i c\u01a1 c\u1ea5u. \u0110i\u1ec1u quan tr\u1ecdng c\u1ea7n l\u01b0u \u00fd l\u00e0 NHNN c\u00f3 th\u1ec3 \u0111\u01b0a ra m\u1ee9c tr\u1ea7n chi ph\u00ed \u0111i vay trong t\u01b0\u01a1ng lai. Trong tr\u01b0\u1eddng h\u1ee3p <\/span><span data-contrast=\"none\">\u0111\u00f3<\/span><span data-contrast=\"none\">, m\u1ee9c tr\u1ea7n c\u00f3 th\u1ec3 \u1ea3nh h\u01b0\u1edfng \u0111\u1ebfn l\u00e3i su\u1ea5t, IRR, ph\u00ed v\u00e0 th\u1eadm ch\u00ed c\u1ea3 kho\u1ea3n b\u1ed3i th\u01b0\u1eddng m\u00e0 c\u00e1c b\u00ean \u0111\u00e3 th\u1ecfa thu\u1eadn. <\/span><span data-contrast=\"none\">V\u00ec v\u1eady, v<\/span><span data-contrast=\"none\">i\u1ec7c h\u1ea1n ch\u1ebf kh\u00f4ng \u00e1p d\u1ee5ng h\u1ed3i t\u1ed1 \u0111\u1ed1i v\u1edbi c\u00e1c kho\u1ea3n vay n\u01b0\u1edbc ngo\u00e0i \u0111\u01b0\u1ee3c <\/span><span data-contrast=\"none\">thi h\u00e0nh<\/span><span data-contrast=\"none\"> tr\u01b0\u1edbc ng\u00e0y Th\u00f4ng T\u01b0 M\u1edbi c\u00f3 hi\u1ec7u l\u1ef1c (t\u1ee9c l\u00e0 ng\u00e0y 15 th\u00e1ng 8 n\u0103m 2023) l\u00e0 \u0111i\u1ec1u c\u1ea7n thi\u1ebft. Th\u00f4ng T\u01b0 M\u1edbi kh\u00f4ng \u00e1p d\u1ee5ng h\u1ed3i t\u1ed1 \u0111\u1ed1i v\u1edbi kho\u1ea3n vay n\u01b0\u1edbc ngo\u00e0i \u0111\u01b0\u1ee3c k\u00fd theo Th\u00f4ng T\u01b0 Hi\u1ec7n H\u00e0nh v\u00e0 vi\u1ec7c k\u1ef3 v\u1ecdng r\u1eb1ng NHNN <\/span><span data-contrast=\"none\">c\u0169ng<\/span><span data-contrast=\"none\"> s\u1ebd <\/span><span data-contrast=\"none\">th\u1ef1c hi\u1ec7n<\/span><span data-contrast=\"none\"> c\u00e1ch th\u1ee9c ti\u1ebfp c\u1eadn n\u00e0y<\/span><span data-contrast=\"none\"> l\u00e0<\/span><span data-contrast=\"none\">c\u00f3 c\u01a1 s\u1edf.<\/span><span data-ccp-props=\"{&quot;201341983&quot;:2,&quot;335551550&quot;:6,&quot;335551620&quot;:6,&quot;335559739&quot;:300,&quot;335559740&quot;:336}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">Ph\u00f2ng ng\u1eeba r\u1ee7i ro ngo\u1ea1i h\u1ed1i s\u1ebd t\u1ea1o th\u00eam chi ph\u00ed vay. <\/span><span data-contrast=\"none\">\u0110\u1ec3 ph\u1ea3n h\u1ed3i b\u00ecnh lu\u1eadn<\/span><span data-contrast=\"none\"> c\u1ee7a c\u00e1c b\u00ean li\u00ean quan, Th\u00f4ng t\u01b0 08 kh\u00f4ng \u00e1p \u0111\u1eb7t y\u00eau c\u1ea7u b\u00ean vay ph\u1ea3i th\u1ef1c hi\u1ec7n ph\u00f2ng ng\u1eeba r\u1ee7i ro ngo\u1ea1i h\u1ed1i. Th\u00f4ng t\u01b0 08 mang l\u1ea1i s\u1ef1 linh ho\u1ea1t cho b\u00ean vay trong v\u1ea5n \u0111\u1ec1 n\u00e0y.<\/span><span data-ccp-props=\"{&quot;201341983&quot;:2,&quot;335551550&quot;:6,&quot;335551620&quot;:6,&quot;335559739&quot;:300,&quot;335559740&quot;:336}\">\u00a0<\/span><\/p>\n<p><strong>Ph\u00ea Duy\u1ec7t c\u1ee7a NHNN\u00a0\u00a0<\/strong><\/p>\n<p><span data-contrast=\"none\">Nh\u00ecn chung, c\u01a1 ch\u1ebf ph\u00ea duy\u1ec7t c\u00e1c kho\u1ea3n vay n\u01b0\u1edbc ngo\u00e0i ph\u1ea7n l\u1edbn kh\u00f4ng thay \u0111\u1ed5i. <\/span><span data-contrast=\"none\">K<\/span><span data-contrast=\"none\">ho\u1ea3n vay ng\u1eafn h\u1ea1n kh\u00f4ng c\u1ea7n ph\u1ea3i \u0111\u0103ng k\u00fd <\/span><span data-contrast=\"none\">ho\u1eb7c<\/span><span data-contrast=\"none\"> ph\u00ea duy\u1ec7t v\u1edbi NHNN. Tuy nhi\u00ean, kho\u1ea3n vay trung v\u00e0 d\u00e0i h\u1ea1n c\u1ea7n ph\u1ea3i \u0111\u0103ng k\u00fd v\u00e0 \u0111\u01b0\u1ee3cch\u1ea5p thu\u1eadn.<\/span><span data-ccp-props=\"{&quot;201341983&quot;:2,&quot;335551550&quot;:6,&quot;335551620&quot;:6,&quot;335559739&quot;:300,&quot;335559740&quot;:336}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">Trong khi c\u01a1 ch\u1ebf ph\u00ea duy\u1ec7t ph\u1ea7n l\u1edbn kh\u00f4ng thay \u0111\u1ed5i, Th\u00f4ng T\u01b0 M\u1edbi \u0111\u00e3 quy \u0111\u1ecbnh chi ti\u1ebft c\u00e1c t\u00e0i li\u1ec7u c\u1ea7n chu\u1ea9n b\u1ecb, l\u01b0u tr\u1eef v\u00e0 n\u1ed9p cho NHNN. <\/span><span data-contrast=\"none\">C\u00e1c<\/span><span data-contrast=\"none\"> t\u00e0i li\u1ec7u <\/span><span data-contrast=\"none\">n\u00e0y \u00a0nh\u1eb1m <\/span><span data-contrast=\"none\">cung c\u1ea5p th\u00f4ng tin ho\u1eb7c b\u1eb1ng ch\u1ee9ng li\u00ean quan \u0111\u1ebfn t\u1eebng m\u1ee5c \u0111\u00edch vay n\u01b0\u1edbc ngo\u00e0i \u0111\u01b0\u1ee3c ph\u00e9p.<\/span><span data-ccp-props=\"{&quot;201341983&quot;:2,&quot;335551550&quot;:6,&quot;335551620&quot;:6,&quot;335559739&quot;:300,&quot;335559740&quot;:336}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">\u0110\u00e1ng ch\u00fa \u00fd, h\u1ed3 s\u01a1 vay ng\u1eafn h\u1ea1n kh\u00f4ng <\/span><span data-contrast=\"none\">\u0111\u01b0\u1ee3c <\/span><span data-contrast=\"none\">n\u1ed9p ngay cho NHNN m\u00e0 ph\u1ea3i \u0111\u01b0\u1ee3c c\u00e1c b\u00ean vay l\u01b0u gi\u1eef. C\u00e1c t\u00e0i li\u1ec7u n\u00e0y s\u1ebd \u0111\u01b0\u1ee3c ng\u00e2n h\u00e0ng chuy\u1ec3n ti\u1ec1n v\u00e0 NHNN ki\u1ec3m tra t\u1ea1i th\u1eddi \u0111i\u1ec3m tr\u1ea3 n\u1ee3 ho\u1eb7c gia h\u1ea1n kho\u1ea3n vay ng\u1eafn h\u1ea1n th\u00e0nh kho\u1ea3n vay trung v\u00e0 d\u00e0i h\u1ea1n. Ng\u01b0\u1ee3c l\u1ea1i, c\u00e1c h\u1ed3 s\u01a1 vay trung v\u00e0 d\u00e0i h\u1ea1n ph\u1ea3i \u0111\u01b0\u1ee3c n\u1ed9p cho NHNN trong qu\u00e1 tr\u00ecnh \u0111\u0103ng k\u00fd.<\/span><span data-ccp-props=\"{&quot;201341983&quot;:2,&quot;335551550&quot;:6,&quot;335551620&quot;:6,&quot;335559739&quot;:300,&quot;335559740&quot;:336}\">\u00a0<\/span>[\/vc_column_text][mk_table]\n<table width=\"100%\">\n<thead>\n<tr>\n<th style=\"text-align: left;\"><span class=\"TrackedChange SCXW175259717 BCX8\"><span class=\"TextRun SCXW175259717 BCX8\" lang=\"VI-VN\" xml:lang=\"VI-VN\" data-contrast=\"none\"><span class=\"NormalTextRun SCXW175259717 BCX8\">M\u1ee5c \u0111\u00edch \u0111\u01b0\u1ee3c ph\u00e9p<\/span><\/span><\/span><span class=\"EOP SCXW175259717 BCX8\" data-ccp-props=\"{&quot;201341983&quot;:0,&quot;335551550&quot;:6,&quot;335551620&quot;:6,&quot;335559739&quot;:0,&quot;335559740&quot;:240}\">\u00a0<\/span><\/th>\n<th style=\"text-align: left;\"><span class=\"TrackedChange SCXW191369056 BCX8\"><span class=\"TextRun SCXW191369056 BCX8\" lang=\"VI-VN\" xml:lang=\"VI-VN\" data-contrast=\"none\"><span class=\"NormalTextRun SCXW191369056 BCX8\">T\u00e0i li\u1ec7u h\u1ed7 tr\u1ee3<\/span><\/span><\/span><span class=\"EOP SCXW191369056 BCX8\" data-ccp-props=\"{&quot;201341983&quot;:0,&quot;335551550&quot;:6,&quot;335551620&quot;:6,&quot;335559739&quot;:0,&quot;335559740&quot;:240}\">\u00a0<\/span><\/th>\n<\/tr>\n<\/thead>\n<tbody>\n<tr>\n<td>\n<ul>\n<li style=\"text-align: left;\"><span class=\"TextRun SCXW24470869 BCX8\" lang=\"VI-VN\" xml:lang=\"VI-VN\" data-contrast=\"none\"><span class=\"NormalTextRun SCXW24470869 BCX8\">T\u00e1i c\u1ea5p v\u1ed1n cho kho\u1ea3n n\u1ee3 n\u01b0\u1edbc ngo\u00e0i c\u1ee7a B\u00ean Vay<\/span><span class=\"NormalTextRun SCXW24470869 BCX8\">.<\/span><\/span><span class=\"EOP SCXW24470869 BCX8\" data-ccp-props=\"{&quot;201341983&quot;:0,&quot;335551550&quot;:6,&quot;335551620&quot;:6,&quot;335559685&quot;:1284,&quot;335559739&quot;:0,&quot;335559740&quot;:240}\">\u00a0<\/span><\/li>\n<\/ul>\n<\/td>\n<td>\n<ul>\n<li style=\"text-align: left;\"><span class=\"TextRun SCXW247710032 BCX8\" lang=\"VI-VN\" xml:lang=\"VI-VN\" data-contrast=\"none\"><span class=\"NormalTextRun SCXW247710032 BCX8\">K\u1ebf ho\u1ea1ch t\u00e1i c\u1ea5p v\u1ed1n (trong \u0111\u00f3 quy \u0111\u1ecbnh th\u00f4ng tin v\u1ec1 kho\u1ea3n n\u1ee3 n\u01b0\u1edbc ngo\u00e0i hi\u1ec7n h\u1eefu v\u00e0 kho\u1ea3n vay m\u1edbi)<\/span><\/span><span class=\"EOP SCXW247710032 BCX8\" data-ccp-props=\"{&quot;201341983&quot;:0,&quot;335551550&quot;:6,&quot;335551620&quot;:6,&quot;335559685&quot;:1284,&quot;335559739&quot;:0,&quot;335559740&quot;:240}\">\u00a0<\/span><\/li>\n<\/ul>\n<\/td>\n<\/tr>\n<tr>\n<td>\n<ul>\n<li style=\"text-align: left;\"><span class=\"NormalTextRun SCXW66926268 BCX8\">Thanh to\u00e1n c\u00e1c kho\u1ea3n n\u1ee3 ng\u1eafn h\u1ea1n c\u1ee7a b\u00ean vay (tr\u1eeb n\u1ee3 g\u1ed1c trong n\u01b0\u1edbc<\/span><span class=\"NormalTextRun SCXW66926268 BCX8\">).<\/span><\/li>\n<\/ul>\n<\/td>\n<td>\n<ul>\n<li style=\"text-align: left;\"><span class=\"TextRun SCXW210907450 BCX8\" lang=\"VI-VN\" xml:lang=\"VI-VN\" data-contrast=\"none\"><span class=\"NormalTextRun SCXW210907450 BCX8\">M\u00f4 t\u1ea3 d\u01b0\u1edbi d\u1ea1ng b\u1ea3ng (theo quy \u0111\u1ecbnh t\u1ea1i Th\u00f4ng t\u01b0 08) v\u1ec1 t\u1eebng ngh\u0129a v\u1ee5 n\u1ee3 ng\u1eafn h\u1ea1n c\u1ee7a b\u00ean vay (bao g\u1ed3m s\u1ed1 ti\u1ec1n, ng\u00e0y thanh to\u00e1n d\u1ef1 ki\u1ebfn<\/span><\/span><span class=\"TextRun SCXW210907450 BCX8\" lang=\"EN-US\" xml:lang=\"EN-US\" data-contrast=\"none\"><span class=\"NormalTextRun SCXW210907450 BCX8\">,<\/span><\/span><span class=\"TextRun SCXW210907450 BCX8\" lang=\"VI-VN\" xml:lang=\"VI-VN\" data-contrast=\"none\"><span class=\"NormalTextRun SCXW210907450 BCX8\"> c\u00e1c t\u00e0i li\u1ec7u ch\u1ee9ng minh ngh\u0129a v\u1ee5 \u0111\u00f3<\/span><\/span><span class=\"TextRun SCXW210907450 BCX8\" lang=\"EN-US\" xml:lang=\"EN-US\" data-contrast=\"none\"><span class=\"NormalTextRun SCXW210907450 BCX8\">, <\/span><span class=\"NormalTextRun SpellingErrorV2Themed SCXW210907450 BCX8\">v\u00e0<\/span> <span class=\"NormalTextRun SpellingErrorV2Themed SCXW210907450 BCX8\">c\u00e1c<\/span> <span class=\"NormalTextRun SpellingErrorV2Themed SCXW210907450 BCX8\">t\u00e0i<\/span> <span class=\"NormalTextRun SpellingErrorV2Themed SCXW210907450 BCX8\">li\u1ec7u<\/span> <span class=\"NormalTextRun SpellingErrorV2Themed SCXW210907450 BCX8\">kh\u00e1c<\/span><\/span><span class=\"TextRun SCXW210907450 BCX8\" lang=\"VI-VN\" xml:lang=\"VI-VN\" data-contrast=\"none\"><span class=\"NormalTextRun SCXW210907450 BCX8\">)<\/span><\/span><span class=\"EOP SCXW210907450 BCX8\" data-ccp-props=\"{&quot;201341983&quot;:0,&quot;335551550&quot;:6,&quot;335551620&quot;:6,&quot;335559685&quot;:1284,&quot;335559739&quot;:0,&quot;335559740&quot;:240}\">\u00a0<\/span><\/li>\n<\/ul>\n<\/td>\n<\/tr>\n<tr>\n<td>\n<ul>\n<li style=\"text-align: left;\"><span class=\"TextRun SCXW245015799 BCX8\" lang=\"VI-VN\" xml:lang=\"VI-VN\" data-contrast=\"none\"><span class=\"NormalTextRun SCXW245015799 BCX8\">T\u00e0i tr\u1ee3 cho c\u00e1c d\u1ef1 \u00e1n \u0111\u1ea7u t\u01b0 \u0111\u01b0\u1ee3c c\u1ea5p ph\u00e9p c\u1ee7a b\u00ean vay<\/span><span class=\"NormalTextRun SCXW245015799 BCX8\">.<\/span><\/span><span class=\"EOP SCXW245015799 BCX8\" data-ccp-props=\"{&quot;201341983&quot;:0,&quot;335551550&quot;:6,&quot;335551620&quot;:6,&quot;335559685&quot;:1284,&quot;335559739&quot;:0,&quot;335559740&quot;:240}\">\u00a0<\/span><\/li>\n<\/ul>\n<\/td>\n<td>\n<ul>\n<li style=\"text-align: left;\"><span class=\"TextRun SCXW7650489 BCX8\" lang=\"VI-VN\" xml:lang=\"VI-VN\" data-contrast=\"none\"><span class=\"NormalTextRun SCXW7650489 BCX8\">M\u1ed9t trong ba lo\u1ea1i gi\u1ea5y ph\u00e9p \u0111\u1ea7u t\u01b0<\/span><\/span><span class=\"TextRun SCXW7650489 BCX8\" lang=\"EN-US\" xml:lang=\"EN-US\" data-contrast=\"none\"><span class=\"NormalTextRun SCXW7650489 BCX8\">:<\/span><\/span><span class=\"TextRun SCXW7650489 BCX8\" lang=\"VI-VN\" xml:lang=\"VI-VN\" data-contrast=\"none\"><span class=\"NormalTextRun SCXW7650489 BCX8\"> (i) gi\u1ea5y ch\u1ee9ng nh\u1eadn \u0111\u1ea7u t\u01b0, (<\/span><span class=\"NormalTextRun SpellingErrorV2Themed SCXW7650489 BCX8\">ii<\/span><span class=\"NormalTextRun SCXW7650489 BCX8\">) gi\u1ea5y ch\u1ee9ng nh\u1eadn \u0111\u0103ng k\u00fd \u0111\u1ea7u t\u01b0<\/span><\/span><span class=\"TextRun SCXW7650489 BCX8\" lang=\"EN-US\" xml:lang=\"EN-US\" data-contrast=\"none\"><span class=\"NormalTextRun SCXW7650489 BCX8\">,<\/span><\/span><span class=\"TextRun SCXW7650489 BCX8\" lang=\"VI-VN\" xml:lang=\"VI-VN\" data-contrast=\"none\"><span class=\"NormalTextRun SCXW7650489 BCX8\"> ho\u1eb7c (<\/span><span class=\"NormalTextRun SpellingErrorV2Themed SCXW7650489 BCX8\">iii<\/span><span class=\"NormalTextRun SCXW7650489 BCX8\">) ph\u00ea duy\u1ec7t nguy\u00ean t\u1eafc \u0111\u1ea7u t\u01b0<\/span><\/span><\/li>\n<\/ul>\n<\/td>\n<\/tr>\n<tr>\n<td>\n<ul>\n<li style=\"text-align: left;\"><span class=\"TextRun SCXW157522538 BCX8\" lang=\"VI-VN\" xml:lang=\"VI-VN\" data-contrast=\"none\"><span class=\"NormalTextRun SCXW157522538 BCX8\">T\u00e0i tr\u1ee3 cho \u201cph\u01b0\u01a1ng \u00e1n s\u1ea3n xu\u1ea5t kinh doanh, ho\u1ea1t \u0111\u1ed9ng kinh doanh v\u00e0 c\u00e1c d\u1ef1 \u00e1n kh\u00e1c\u201d c\u1ee7a <\/span><span class=\"NormalTextRun SCXW157522538 BCX8\">b<\/span><span class=\"NormalTextRun SCXW157522538 BCX8\">\u00ean vay<\/span><span class=\"NormalTextRun SCXW157522538 BCX8\">.<\/span><\/span><span class=\"EOP SCXW157522538 BCX8\" data-ccp-props=\"{&quot;201341983&quot;:0,&quot;335551550&quot;:6,&quot;335551620&quot;:6,&quot;335559685&quot;:1284,&quot;335559739&quot;:0,&quot;335559740&quot;:240}\">\u00a0<\/span><\/li>\n<\/ul>\n<\/td>\n<td>\n<ul>\n<li style=\"text-align: left;\"><span class=\"TextRun SCXW197538429 BCX8\" lang=\"VI-VN\" xml:lang=\"VI-VN\" data-contrast=\"none\"><span class=\"NormalTextRun SCXW197538429 BCX8\">K\u1ebf ho\u1ea1ch s\u1eed d\u1ee5ng kho\u1ea3n vay (trong \u0111\u00f3 n\u00eau r\u00f5 th\u00f4ng tin v\u1ec1 vi\u1ec7c s\u1eed d\u1ee5ng s\u1ed1 ti\u1ec1n thu \u0111\u01b0\u1ee3c<\/span><span class=\"NormalTextRun SCXW197538429 BCX8\">)<\/span><\/span><span class=\"EOP SCXW197538429 BCX8\" data-ccp-props=\"{&quot;201341983&quot;:0,&quot;335551550&quot;:6,&quot;335551620&quot;:6,&quot;335559685&quot;:1284,&quot;335559739&quot;:0,&quot;335559740&quot;:240}\">\u00a0<\/span><\/li>\n<\/ul>\n<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n[\/mk_table][vc_column_text css=&#8221;.vc_custom_1702979250595{margin-bottom: 0px !important;}&#8221;]<strong>C\u00e1c V\u1ea5n \u0110\u1ec1 \u0110\u00e1ng Ch\u00fa \u00dd Kh\u00e1c\u00a0<\/strong><\/p>\n<p><i><span data-contrast=\"none\">T\u1ef7 Gi\u00e1 H\u1ed1i \u0110o\u00e1i<\/span><\/i><span data-ccp-props=\"{&quot;201341983&quot;:2,&quot;335551550&quot;:6,&quot;335551620&quot;:6,&quot;335559739&quot;:300,&quot;335559740&quot;:336}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">T\u1ef7 gi\u00e1 h\u1ed1i \u0111o\u00e1i \u0111\u01b0\u1ee3c <\/span><span data-contrast=\"none\">quy \u0111\u1ecbnh <\/span><span data-contrast=\"none\">\u00a0<\/span><span data-contrast=\"none\">t\u1ea1i<\/span><span data-contrast=\"none\"> nhi\u1ec1u b\u1ed1i c\u1ea3nh kh\u00e1c nhau <\/span><span data-contrast=\"none\">trong<\/span><span data-contrast=\"none\"> Th\u00f4ng T\u01b0 M\u1edbi. C\u1ee5 th\u1ec3, khi t\u00ednh to\u00e1n (i) ngh\u0129a v\u1ee5 n\u1ee3 c\u1ee7a c\u00e1c kho\u1ea3n vay b\u1eb1ng <\/span><span data-contrast=\"none\">\u0110<\/span><span data-contrast=\"none\">\u1ed3ng Vi\u1ec7t Nam nh\u01b0ng gi\u1ea3i ng\u00e2n b\u1eb1ng ngo\u1ea1i t\u1ec7, (ii) gi\u1edbi h\u1ea1n vay n\u01b0\u1edbc ngo\u00e0i \u0111\u1ed1i v\u1edbi c\u00e1c kho\u1ea3n vay trung v\u00e0 d\u00e0i h\u1ea1n quy \u0111\u1ecbnh t\u1ea1i gi\u1ea5y ph\u00e9p \u0111\u1ea7u t\u01b0 (\u0111\u01b0\u1ee3c t\u00ednh b\u1eb1ng t\u1ed5ng v\u1ed1n \u0111\u1ea7u t\u01b0 tr\u1eeb v\u1ed1n ch\u1ee7 s\u1edf h\u1eefu) v\u00e0 (iii) gi\u00e1 tr\u1ecb quy\u1ebft to\u00e1n ph\u01b0\u01a1ng \u00e1n s\u1eed d\u1ee5ng v\u1ed1n (trong tr\u01b0\u1eddng h\u1ee3p chi ph\u00ed \u0111\u01b0\u1ee3c t\u00e0i tr\u1ee3 b\u1eb1ng v\u1ed1n vay n\u01b0\u1edbc ngo\u00e0i b\u1eb1ng c\u00e1c lo\u1ea1i ti\u1ec1n t\u1ec7 kh\u00e1c nhau)<\/span><span data-contrast=\"none\">,t<\/span><span data-contrast=\"none\">\u1ef7 gi\u00e1 \u00e1p d\u1ee5ng l\u00e0 t\u1ef7 gi\u00e1 do B\u1ed9 T\u00e0i ch\u00ednh (Kho b\u1ea1c Nh\u00e0 n\u01b0\u1edbc) c\u00f4ng b\u1ed1 t\u1ea1i th\u1eddi \u0111i\u1ec3m li\u00ean quan.<\/span><span data-ccp-props=\"{&quot;201341983&quot;:2,&quot;335551550&quot;:6,&quot;335551620&quot;:6,&quot;335559739&quot;:300,&quot;335559740&quot;:336}\">\u00a0<\/span><\/p>\n<p><i><span data-contrast=\"none\">Ngh\u0129a V\u1ee5 C\u1ee7a B\u00ean Vay<\/span><\/i><span data-ccp-props=\"{&quot;201341983&quot;:2,&quot;335551550&quot;:6,&quot;335551620&quot;:6,&quot;335559739&quot;:0,&quot;335559740&quot;:336}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">Th\u00f4ng T\u01b0 M\u1edbi n\u00eau ra m\u1ed9t s\u1ed1 ngh\u0129a v\u1ee5 m\u00e0 b\u00ean vay ph\u1ea3i l\u01b0u \u00fd<\/span><span data-contrast=\"none\">,<\/span><span data-contrast=\"none\"> bao g\u1ed3m:<\/span><span data-ccp-props=\"{&quot;201341983&quot;:2,&quot;335551550&quot;:6,&quot;335551620&quot;:6,&quot;335559739&quot;:300,&quot;335559740&quot;:336}\">\u00a0<\/span><\/p>\n<ul>\n<li data-leveltext=\"\uf0b7\" data-font=\"Symbol\" data-listid=\"14\" data-list-defn-props=\"{&quot;335552541&quot;:1,&quot;335559684&quot;:-2,&quot;335559685&quot;:720,&quot;335559991&quot;:360,&quot;469769226&quot;:&quot;Symbol&quot;,&quot;469769242&quot;:[8226],&quot;469777803&quot;:&quot;left&quot;,&quot;469777804&quot;:&quot;\uf0b7&quot;,&quot;469777815&quot;:&quot;multilevel&quot;}\" aria-setsize=\"-1\" data-aria-posinset=\"1\" data-aria-level=\"1\"><span data-contrast=\"none\">B\u00ean vay ph\u1ea3i <\/span><span data-contrast=\"none\">ngay l\u1eadp t\u1ee9c <\/span><span data-contrast=\"none\">s\u1eed d\u1ee5ng <\/span><span data-contrast=\"none\">to\u00e0n b\u1ed9<\/span><span data-contrast=\"none\"> v\u1ed1n vay n\u01b0\u1edbc ngo\u00e0i <\/span><span data-contrast=\"none\">ho\u1eb7c <\/span><span data-contrast=\"none\">g\u1eedi s\u1ed1 ti\u1ec1n vay v\u00e0o t\u00e0i kho\u1ea3n ng\u00e2n h\u00e0ng t\u1ed1i \u0111a 1 th\u00e1ng.<\/span><span data-ccp-props=\"{&quot;201341983&quot;:0,&quot;335551550&quot;:6,&quot;335551620&quot;:6,&quot;335559685&quot;:1284,&quot;335559739&quot;:0,&quot;335559740&quot;:240}\">\u00a0<\/span><\/li>\n<li data-leveltext=\"\uf0b7\" data-font=\"Symbol\" data-listid=\"14\" data-list-defn-props=\"{&quot;335552541&quot;:1,&quot;335559684&quot;:-2,&quot;335559685&quot;:720,&quot;335559991&quot;:360,&quot;469769226&quot;:&quot;Symbol&quot;,&quot;469769242&quot;:[8226],&quot;469777803&quot;:&quot;left&quot;,&quot;469777804&quot;:&quot;\uf0b7&quot;,&quot;469777815&quot;:&quot;multilevel&quot;}\" aria-setsize=\"-1\" data-aria-posinset=\"2\" data-aria-level=\"1\"><span data-contrast=\"none\">Tr\u01b0\u1eddng h\u1ee3p B\u00ean vay s\u1eed d\u1ee5ng v\u1ed1n vay trung v\u00e0 d\u00e0i h\u1ea1n \u0111\u1ec3 c\u01a1 c\u1ea5u n\u1ee3 n\u01b0\u1edbc ngo\u00e0i th\u00ec b\u00ean vay ph\u1ea3i tr\u1ea3 n\u1ee3 n\u01b0\u1edbc ngo\u00e0i trong v\u00f2ng 5 ng\u00e0y.<\/span><span data-ccp-props=\"{&quot;201341983&quot;:0,&quot;335551550&quot;:6,&quot;335551620&quot;:6,&quot;335559685&quot;:1284,&quot;335559739&quot;:0,&quot;335559740&quot;:240}\">\u00a0<\/span><\/li>\n<li data-leveltext=\"\uf0b7\" data-font=\"Symbol\" data-listid=\"14\" data-list-defn-props=\"{&quot;335552541&quot;:1,&quot;335559684&quot;:-2,&quot;335559685&quot;:720,&quot;335559991&quot;:360,&quot;469769226&quot;:&quot;Symbol&quot;,&quot;469769242&quot;:[8226],&quot;469777803&quot;:&quot;left&quot;,&quot;469777804&quot;:&quot;\uf0b7&quot;,&quot;469777815&quot;:&quot;multilevel&quot;}\" aria-setsize=\"-1\" data-aria-posinset=\"3\" data-aria-level=\"1\"><span data-contrast=\"none\">B\u00ean vay ph\u1ea3i tu\u00e2n th\u1ee7 t\u1ea5t c\u1ea3 lu\u1eadt <\/span><span data-contrast=\"none\">Vi\u1ec7t Nam <\/span><span data-contrast=\"none\">hi\u1ec7n h\u00e0nh, bao g\u1ed3m lu\u1eadt h\u1ee3p \u0111\u1ed3ng, lu\u1eadt doanh nghi\u1ec7p, lu\u1eadt \u0111\u1ea7u t\u01b0, lu\u1eadt giao d\u1ecbch b\u1ea3o \u0111\u1ea3m v\u00e0 lu\u1eadt ch\u1ed1ng r\u1eeda ti\u1ec1n m\u1eb7c d\u00f9 kho\u1ea3n vay n\u01b0\u1edbc ngo\u00e0i \u0111\u01b0\u1ee3c \u0111i\u1ec1u ch\u1ec9nh b\u1edfi lu\u1eadt n\u01b0\u1edbc ngo\u00e0i.<\/span><span data-ccp-props=\"{&quot;201341983&quot;:0,&quot;335551550&quot;:6,&quot;335551620&quot;:6,&quot;335559685&quot;:1284,&quot;335559739&quot;:0,&quot;335559740&quot;:240}\">\u00a0<\/span><\/li>\n<\/ul>\n<p><strong>K\u1ebft Lu\u1eadn\u00a0<\/strong><\/p>\n<p><span data-contrast=\"none\">Th\u00f4ng T\u01b0 M\u1edbi th\u1ec3 hi\u1ec7n n\u1ed7 l\u1ef1c quy\u1ebft t\u00e2m c\u1ee7a NHNN trong vi\u1ec7c x\u00e2y d\u1ef1ng c\u00e1c ti\u00eau ch\u00ed \u00e1p d\u1ee5ng cho c\u00e1c kho\u1ea3n vay n\u01b0\u1edbc ngo\u00e0i c\u1ee7a c\u00e1c doanh nghi\u1ec7p trong n\u01b0\u1edbc. Trong b\u1ed1i c\u1ea3nh b\u1ea5t \u1ed5n to\u00e0n c\u1ea7u, gi\u00e1n \u0111o\u1ea1n chu\u1ed7i cung \u1ee9ng v\u00e0 r\u1ee7i ro v\u1ee1 n\u1ee3, n\u1ed7 l\u1ef1c n\u00e0y nh\u1eb1m b\u1ea3o v\u1ec7 h\u1ed3 s\u01a1 n\u1ee3 n\u01b0\u1edbc ngo\u00e0i c\u1ee7a Vi\u1ec7t Nam v\u00e0 gi\u00fap c\u00e1c doanh nghi\u1ec7p trong n\u01b0\u1edbc vay v\u1ed1n n\u01b0\u1edbc ngo\u00e0i. NHNN r\u00f5 r\u00e0ng c\u00f3 m\u1ee5c ti\u00eau c\u00e2n b\u1eb1ng c\u00e1c m\u1ee5c ti\u00eau ch\u00ednh s\u00e1ch c\u1ee7a m\u00ecnh v\u1edbi nhu c\u1ea7u c\u1ee7a c\u00e1c b\u00ean li\u00ean quan v\u00e0 \u0111ang h\u01b0\u1edbng t\u1edbi m\u1ed9t c\u01a1 ch\u1ebf qu\u1ea3n l\u00fd vay n\u01b0\u1edbc ngo\u00e0i ch\u1eb7t ch\u1ebd h\u01a1n. C\u01a1 ch\u1ebf n\u00e0y s\u1ebd c\u00f3 t\u00e1c \u0111\u1ed9ng \u0111\u00e1ng k\u1ec3 \u0111\u1ebfn t\u00e0i ch\u00ednh, th\u1ecb tr\u01b0\u1eddng v\u1ed1n v\u00e0 c\u00e1c giao d\u1ecbch M&amp;A t\u1ea1i Vi\u1ec7t Nam trong t\u01b0\u01a1ng lai.<\/span><span data-ccp-props=\"{&quot;201341983&quot;:2,&quot;335551550&quot;:6,&quot;335551620&quot;:6,&quot;335559739&quot;:300,&quot;335559740&quot;:336}\">\u00a0<\/span>[\/vc_column_text][vc_empty_space height=&#8221;20px&#8221;][vc_column_text css=&#8221;.vc_custom_1690199267118{margin-bottom: 0px !important;}&#8221;]N\u1ebfu b\u1ea1n c\u00f3 b\u1ea5t k\u1ef3 c\u00e2u h\u1ecfi n\u00e0o li\u00ean quan \u0111\u1ebfn b\u00e0i vi\u1ebft ho\u1eb7c Th\u00f4ng t\u01b0 m\u1edbi, vui l\u00f2ng li\u00ean h\u1ec7 v\u1edbi lu\u1eadt s\u01b0 d\u01b0\u1edbi \u0111\u00e2y:[\/vc_column_text][mk_employees column=&#8221;5&#8243; count=&#8221;-1&#8243; orderby=&#8221;post__in&#8221; employees=&#8221;4524, 4476, 4493, 4480, 4503, 4547, 10202, 12356, 4464&#8243;][mk_divider][vc_column_text css=&#8221;.vc_custom_1660814974666{margin-bottom: 0px !important;}&#8221;]\u0110\u1ec3 bi\u1ebft th\u00eam th\u00f4ng tin chi ti\u1ebft, vui l\u00f2ng li\u00ean h\u1ec7 Ban Truy\u1ec1n th\u00f4ng v\u00e0 Marketing c\u1ee7a YKVN:<\/p>\n<p>T: (+84-28) 3 822 3155<br \/>\n<a href=\"mailto:marketing@ykvn-law.com\">marketing@ykvn-law.com<\/a><\/p>\n[\/vc_column_text][\/vc_column][\/vc_row]\n<\/div>","protected":false},"excerpt":{"rendered":"<p>C\u01a1 ch\u1ebf n\u00e0y s\u1ebd c\u00f3 t\u00e1c \u0111\u1ed9ng \u0111\u00e1ng k\u1ec3 \u0111\u1ebfn t\u00e0i ch\u00ednh, th\u1ecb tr\u01b0\u1eddng v\u1ed1n v\u00e0 c\u00e1c giao d\u1ecbch M&#038;A t\u1ea1i Vi\u1ec7t Nam trong t\u01b0\u01a1ng lai.<\/p>\n","protected":false},"author":13,"featured_media":0,"comment_status":"closed","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":""},"categories":[102],"tags":[193,118,191,192],"class_list":["post-10839","post","type-post","status-publish","format-standard","hentry","category-legal-updates-vi","tag-insurance-vi","tag-ngan-hang-tai-chinh","tag-banking-vi","tag-financial-services-vi"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v25.3.1 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Nh\u1eefng n\u1ed9i dung thay \u0111\u1ed5i \u0111\u00e1ng ch\u00fa \u00fd: Ch\u00ednh s\u00e1ch vay n\u01b0\u1edbc ngo\u00e0i c\u1ee7a Ng\u00e2n h\u00e0ng Nh\u00e0 n\u01b0\u1edbc thu h\u00fat s\u1ef1 quan t\u00e2m<\/title>\n<meta name=\"description\" content=\"C\u01a1 ch\u1ebf n\u00e0y s\u1ebd c\u00f3 t\u00e1c \u0111\u1ed9ng \u0111\u00e1ng k\u1ec3 \u0111\u1ebfn t\u00e0i ch\u00ednh, th\u1ecb tr\u01b0\u1eddng v\u1ed1n v\u00e0 c\u00e1c giao d\u1ecbch M&amp;A t\u1ea1i Vi\u1ec7t Nam trong t\u01b0\u01a1ng lai.\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/ykvn-law.com\/vi\/intriguing-developments-central-banks-policy-on-foreign-borrowing-grabs-spotlight\/\" \/>\n<meta property=\"og:locale\" content=\"vi_VN\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Nh\u1eefng n\u1ed9i dung thay \u0111\u1ed5i \u0111\u00e1ng ch\u00fa \u00fd: Ch\u00ednh s\u00e1ch vay n\u01b0\u1edbc ngo\u00e0i c\u1ee7a Ng\u00e2n h\u00e0ng Nh\u00e0 n\u01b0\u1edbc thu h\u00fat s\u1ef1 quan t\u00e2m\" \/>\n<meta property=\"og:description\" content=\"C\u01a1 ch\u1ebf n\u00e0y s\u1ebd c\u00f3 t\u00e1c \u0111\u1ed9ng \u0111\u00e1ng k\u1ec3 \u0111\u1ebfn t\u00e0i ch\u00ednh, th\u1ecb tr\u01b0\u1eddng v\u1ed1n v\u00e0 c\u00e1c giao d\u1ecbch M&amp;A 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