{"id":10859,"date":"2022-06-21T11:00:05","date_gmt":"2022-06-21T04:00:05","guid":{"rendered":"http:\/\/13.250.117.83\/cross-border-lending-in-vietnam-vietnam-poised-to-toughen-foreign-borrowing-regulations\/"},"modified":"2024-07-23T16:40:39","modified_gmt":"2024-07-23T09:40:39","slug":"cac-khoan-vay-nuoc-ngoai-viet-nam-huong-den-viec-that-chat-cac-quy-dinh-ve-vay-nuoc-ngoai","status":"publish","type":"post","link":"https:\/\/ykvn-law.com\/vi\/cac-khoan-vay-nuoc-ngoai-viet-nam-huong-den-viec-that-chat-cac-quy-dinh-ve-vay-nuoc-ngoai\/","title":{"rendered":"C\u00e1c kho\u1ea3n vay n\u01b0\u1edbc ngo\u00e0i: Vi\u1ec7t Nam h\u01b0\u1edbng \u0111\u1ebfn vi\u1ec7c th\u1eaft ch\u1eb7t c\u00e1c quy \u0111\u1ecbnh v\u1ec1 vay n\u01b0\u1edbc ngo\u00e0i"},"content":{"rendered":"<div class=\"wpb-content-wrapper\">[vc_row][vc_column][vc_column_text css=&#8221;.vc_custom_1721727612977{margin-bottom: 0px !important;}&#8221;]\n<h1>C\u00e1c kho\u1ea3n vay n\u01b0\u1edbc ngo\u00e0i: Vi\u1ec7t Nam h\u01b0\u1edbng \u0111\u1ebfn vi\u1ec7c th\u1eaft ch\u1eb7t c\u00e1c quy \u0111\u1ecbnh v\u1ec1 vay n\u01b0\u1edbc ngo\u00e0i<\/h1>\n[\/vc_column_text][\/vc_column][\/vc_row][vc_row][vc_column][vc_single_image image=&#8221;8496&#8243; img_size=&#8221;full&#8221;][\/vc_column][\/vc_row][vc_row][vc_column][vc_column_text css=&#8221;.vc_custom_1656643178654{margin-bottom: 0px !important;}&#8221;]C\u00e1c kho\u1ea3n vay n\u01b0\u1edbc ngo\u00e0i (bao g\u1ed3m c\u1ea3 c\u00e1c kho\u1ea3n vay t\u1eeb b\u00ean cho vay n\u01b0\u1edbc ngo\u00e0i v\u00e0 tr\u00e1i phi\u1ebfu \u0111\u01b0\u1ee3c ph\u00e1t h\u00e0nh tr\u00ean th\u1ecb tr\u01b0\u1eddng qu\u1ed1c t\u1ebf b\u1eb1ng ngo\u1ea1i t\u1ec7) c\u1ee7a c\u00e1c doanh nghi\u1ec7p trong n\u01b0\u1edbc ch\u1ee7 y\u1ebfu ch\u1ecbu s\u1ef1 gi\u00e1m s\u00e1t c\u1ee7a Ng\u00e2n h\u00e0ng Nh\u00e0 n\u01b0\u1edbc Vi\u1ec7t Nam (\u201c<strong>NHNN<\/strong>\u201d) theo Th\u00f4ng t\u01b0 s\u1ed1 12\/2014\/TT-NHNN (NHNN, ng\u00e0y 31 th\u00e1ng 3 n\u0103m 2014), c\u00f3 hi\u1ec7u l\u1ef1c v\u00e0o ng\u00e0y 15 th\u00e1ng 5 n\u0103m 2014, \u0111\u01b0\u1ee3c s\u1eeda \u0111\u1ed5i b\u1ed5 sung v\u00e0o n\u0103m 2017 (\u201c<strong>Th\u00f4ng T\u01b0 12<\/strong>\u201d). Hi\u1ec7n t\u1ea1i, c\u00e1c kho\u1ea3n cho vay trung v\u00e0 d\u00e0i h\u1ea1n (c\u1ee5 th\u1ec3 l\u00e0 c\u00e1c kho\u1ea3n vay c\u00f3 th\u1eddi h\u1ea1n tr\u00ean 12 th\u00e1ng) ph\u1ea3i \u0111\u01b0\u1ee3c \u0111\u0103ng k\u00fd v\u1edbi NHNN tr\u01b0\u1edbc khi gi\u1ea3i ng\u00e2n. Tr\u00e1i phi\u1ebfu c\u00f3 k\u1ef3 h\u1ea1n tr\u00ean 12 th\u00e1ng (\u0111\u00e2y th\u01b0\u1eddng l\u00e0 tr\u01b0\u1eddng h\u1ee3p ph\u1ed5 bi\u1ebfn) c\u0169ng ph\u1ea3i \u0111\u01b0\u1ee3c NHNN ch\u1ea5p thu\u1eadn tr\u01b0\u1edbc khi ph\u00e1t h\u00e0nh. Quy tr\u00ecnh ph\u00ea duy\u1ec7t kho\u1ea3n vay n\u01b0\u1edbc ngo\u00e0i c\u1ee7a NHNN bao g\u1ed3m 2 b\u01b0\u1edbc: (i) x\u00e1c nh\u1eadn kho\u1ea3n vay n\u01b0\u1edbc ngo\u00e0i n\u1eb1m trong h\u1ea1n m\u1ee9c n\u1ee3 qu\u1ed1c gia (do Th\u1ee7 t\u01b0\u1edbng Ch\u00ednh ph\u1ee7 quy \u0111\u1ecbnh) v\u00e0 (ii) vi\u1ec7c \u0111\u0103ng k\u00fd th\u1ecfa thu\u1eadn giao d\u1ecbch \u0111\u1ed1i v\u1edbi kho\u1ea3n vay n\u01b0\u1edbc ngo\u00e0i \u0111\u00f3. C\u00e1c kho\u1ea3n vay ng\u1eafn h\u1ea1n kh\u00f4ng b\u1eaft bu\u1ed9c ph\u1ea3i \u0111\u0103ng k\u00fd v\u1edbi NHNN m\u1eb7c d\u00f9 c\u00e1c b\u00ean vay ph\u1ea3i tu\u00e2n th\u1ee7 m\u1ed9t s\u1ed1 \u0111i\u1ec1u ki\u1ec7n vay nh\u1ea5t \u0111\u1ecbnh. Ngo\u00e0i c\u00e1c \u0111i\u1ec1u ki\u1ec7n kh\u00e1c, c\u00e1c kho\u1ea3n vay ng\u1eafn h\u1ea1n kh\u00f4ng \u0111\u01b0\u1ee3c s\u1eed d\u1ee5ng cho m\u1ee5c \u0111\u00edch trung h\u1ea1n v\u00e0 d\u00e0i h\u1ea1n.<\/p>\n<p>G\u1ea7n \u0111\u00e2y, NHNN \u0111\u00e3 ban h\u00e0nh d\u1ef1 th\u1ea3o th\u00f4ng t\u01b0 thay th\u1ebf Th\u00f4ng t\u01b0 12 (\u201c<strong>D\u1ef1 Th\u1ea3o Th\u00f4ng T\u01b0<\/strong>\u201d).<a href=\"#_ftn1\" name=\"_ftnref1\">[1]<\/a> \u00a0B\u1ed1i c\u1ea3nh c\u1ee7a D\u1ef1 Th\u1ea3o Th\u00f4ng T\u01b0, nh\u01b0 \u0111\u01b0\u1ee3c gi\u1ea3i th\u00edch trong b\u1ea3n d\u1ef1 th\u1ea3o c\u1ee7a NHNN, l\u00e0 s\u1ef1 gia t\u0103ng c\u00e1c kho\u1ea3n vay n\u01b0\u1edbc ngo\u00e0i c\u00f3 th\u1ec3 d\u1ec5 d\u00e0ng khi\u1ebfn h\u1ea1n m\u1ee9c n\u1ee3 h\u1eb1ng n\u0103m c\u1ee7a qu\u1ed1c gia v\u01b0\u1ee3t tr\u1ea7n. B\u1eb1ng c\u00e1ch x\u00e2y d\u1ef1ng th\u00eam c\u00e1c th\u00f4ng s\u1ed1 c\u1ee7a quy tr\u00ecnh ph\u00ea duy\u1ec7t, \u0111\u1ed9ng th\u00e1i l\u1eadp ph\u00e1p n\u00e0y nh\u1eb1m m\u1ee5c \u0111\u00edch gi\u00e1m s\u00e1t v\u00e0 ki\u1ec3m so\u00e1t t\u1ed1t h\u01a1n c\u00e1c kho\u1ea3n vay n\u01b0\u1edbc ngo\u00e0i c\u1ee7a c\u00e1c doanh nghi\u1ec7p trong n\u01b0\u1edbc, qua \u0111\u00f3 n\u00e2ng cao ch\u1ea5t l\u01b0\u1ee3ng h\u1ed3 s\u01a1 n\u1ee3 c\u1ee7a Vi\u1ec7t Nam. D\u1ef1 Th\u1ea3o Th\u00f4ng T\u01b0, theo h\u00ecnh th\u1ee9c hi\u1ec7n h\u00e0nh, s\u1ebd c\u00f3 t\u00e1c \u0111\u1ed9ng \u0111\u00e1ng k\u1ec3 v\u1ec1 c\u01a1 c\u1ea5u \u0111\u1ebfn kho\u1ea3n n\u1ee3 n\u01b0\u1edbc ngo\u00e0i c\u1ee7a c\u00e1c b\u00ean vay trong n\u01b0\u1edbc. Trong n\u1ed9i dung c\u1eadp nh\u1eadt ph\u00e1p lu\u1eadt n\u00e0y, ch\u00fang t\u00f4i th\u1ea3o lu\u1eadn v\u1ec1 c\u00e1c kh\u00eda c\u1ea1nh \u0111\u00e1ng ch\u00fa \u00fd c\u1ee7a ch\u1ebf \u0111\u1ed9 m\u1edbi \u0111\u01b0\u1ee3c \u0111\u1ec1 xu\u1ea5t v\u00e0 c\u00e1c k\u1ebft lu\u1eadn ch\u00ednh c\u1ee7a YKVN.<\/p>\n<p><strong>Gi\u1edbi H\u1ea1n <\/strong><strong>Tr\u1ea7n \u0110\u1ed1i V\u1edbi <\/strong><strong>Chi Ph\u00ed Vay<\/strong><\/p>\n<p>M\u1eb7c d\u00f9 Th\u00f4ng T\u01b0 12 lu\u00f4n trao quy\u1ec1n cho Th\u1ed1ng \u0111\u1ed1c NHNN trong vi\u1ec7c quy\u1ebft \u0111\u1ecbnh m\u1ee9c tr\u1ea7n chi ph\u00ed vay khi c\u1ea7n thi\u1ebft, nh\u01b0ng vi\u1ec7c quy\u1ebft \u0111\u1ecbnh n\u00e0y ch\u01b0a bao gi\u1edd \u0111\u01b0\u1ee3c th\u1ef1c hi\u1ec7n b\u1edfi Th\u1ed1ng \u0111\u1ed1c. Do \u0111\u00f3, tr\u00ean th\u1ef1c t\u1ebf c\u00e1c b\u00ean vay c\u00f3 th\u1ec3 vay v\u1edbi chi ph\u00ed cao trong c\u00e1c giao d\u1ecbch t\u00e1i c\u1ea5u tr\u00fac ho\u1eb7c \u0111\u1ea7u t\u01b0 m\u1ea1o hi\u1ec3m (Venture Capital, VC) \/ \u0111\u1ea7u t\u01b0 c\u1ed5 ph\u1ea7n t\u01b0 nh\u00e2n (Private Equity, PE) khi \u0111\u01b0\u1ee3c NHNN ch\u1ea5p thu\u1eadn. D\u1ef1 Th\u1ea3o Th\u00f4ng T\u01b0 ti\u1ebfp c\u1eadn ch\u1eb7t ch\u1ebd h\u01a1n, v\u00e0 l\u1ea7n \u0111\u1ea7u ti\u00ean \u0111\u01b0a ra c\u00e1c gi\u1edbi h\u1ea1n sau v\u1ec1 chi ph\u00ed vay c\u1ee7a c\u00e1c kho\u1ea3n vay l\u00e3i su\u1ea5t th\u1ea3 n\u1ed5i:<\/p>\n<ul>\n<li>\u0110\u1ed1i v\u1edbi c\u00e1c kho\u1ea3n vay n\u01b0\u1edbc ngo\u00e0i b\u1eb1ng ngo\u1ea1i t\u1ec7: N\u1ebfu \u00e1p d\u1ee5ng l\u00e3i su\u1ea5t tham chi\u1ebfu (v\u00ed d\u1ee5: l\u00e3i su\u1ea5t LIBOR, EURIBOR, L\u00e3i Su\u1ea5t C\u00f3 K\u1ef3 H\u1ea1n SOFR, v.v.), gi\u1edbi h\u1ea1n s\u1ebd l\u00e0 t\u1ed5ng c\u1ee7a l\u00e3i su\u1ea5t tham chi\u1ebfu \u0111\u00f3 c\u1ed9ng v\u1edbi 8% m\u1ed7i n\u0103m;<\/li>\n<li>\u0110\u1ed1i v\u1edbi c\u00e1c kho\u1ea3n vay n\u01b0\u1edbc ngo\u00e0i b\u1eb1ng \u0111\u1ed3ng Vi\u1ec7t Nam (th\u1ef1c t\u1ebf kh\u1ea3 d\u1ee5ng trong nh\u1eefng tr\u01b0\u1eddng h\u1ee3p r\u1ea5t h\u1ea1n ch\u1ebf): Gi\u1edbi h\u1ea1n s\u1ebd l\u00e0 t\u1ed5ng l\u00e3i su\u1ea5t tr\u00e1i phi\u1ebfu ch\u00ednh ph\u1ee7 k\u1ef3 h\u1ea1n 10 n\u0103m c\u1ed9ng v\u1edbi 8% m\u1ed7i n\u0103m.<\/li>\n<\/ul>\n<p>D\u1ef1 th\u1ea3o Th\u00f4ng t\u01b0 kh\u00f4ng quy \u0111\u1ecbnh b\u1ea5t k\u1ef3 gi\u1edbi h\u1ea1n n\u00e0o \u0111\u1ed1i v\u1edbi c\u00e1c kho\u1ea3n vay n\u01b0\u1edbc ngo\u00e0i l\u00e3i su\u1ea5t c\u1ed1 \u0111\u1ecbnh. C\u00f3 th\u1ec3 tr\u00ean th\u1ef1c t\u1ebf, NHNN s\u1ebd quy \u0111\u1ecbnh m\u1ee9c tr\u1ea7n cho kho\u1ea3n vay l\u00e3i su\u1ea5t c\u1ed1 \u0111\u1ecbnh t\u01b0\u01a1ng t\u1ef1 nh\u01b0 \u00e1p d\u1ee5ng cho c\u00e1c kho\u1ea3n vay l\u00e3i su\u1ea5t th\u1ea3 n\u1ed5i.<\/p>\n<p>Theo gi\u1ea3i th\u00edch c\u1ee7a NHNN, vi\u1ec7c \u00e1p d\u1ee5ng gi\u1edbi h\u1ea1n chi ph\u00ed vay s\u1ebd h\u1ea1n ch\u1ebf c\u00e1c kho\u1ea3n vay n\u01b0\u1edbc ngo\u00e0i \u0111\u1ed1i v\u1edbi c\u00e1c b\u00ean vay trong n\u01b0\u1edbc c\u00f3 m\u1ee9c t\u00edn d\u1ee5ng cao v\u00e0 do \u0111\u00f3 \u0111\u1ee7 \u0111i\u1ec1u ki\u1ec7n \u0111\u1ec3 khai th\u00e1c c\u00e1c ngu\u1ed3n v\u1ed1n n\u01b0\u1edbc ngo\u00e0i v\u1edbi chi ph\u00ed h\u1ee3p l\u00fd. V\u1edbi nguy\u00ean l\u00fd n\u00e0y, r\u1ea5t \u00edt kh\u1ea3 n\u0103ng NHNN s\u1ebd \u0111\u01b0a ra y\u00eau c\u1ea7u t\u1eeb b\u1ecf gi\u1edbi h\u1ea1n ngay c\u1ea3 trong b\u1ed1i c\u1ea3nh t\u00e1i c\u01a1 c\u1ea5u ho\u1eb7c c\u00e1c giao d\u1ecbch \u0111\u1ea7u t\u01b0 VC\/PE.<\/p>\n<p>V\u1ec1 c\u01a1 b\u1ea3n, chi ph\u00ed vay \u0111\u01b0\u1ee3c \u0111\u1ecbnh ngh\u0129a trong D\u1ef1 Th\u1ea3o Th\u00f4ng T\u01b0 l\u00e0 t\u1ed5ng chi ph\u00ed m\u00e0 b\u00ean vay ph\u1ea3i tr\u1ea3 cho b\u00ean cho vay, nh\u00e0 cung c\u1ea5p d\u1ecbch v\u1ee5 b\u1ea3o \u0111\u1ea3m, c\u00f4ng ty b\u1ea3o hi\u1ec3m, \u0111\u1ea1i l\u00fd v\u00e0 c\u00e1c b\u00ean li\u00ean quan kh\u00e1c v\u00e0 chi ph\u00ed n\u00e0y bao g\u1ed3m l\u00e3i vay, IRR v\u00e0 c\u00e1c chi ph\u00ed kh\u00e1c li\u00ean quan \u0111\u1ebfn kho\u1ea3n vay, t\u1ea5t c\u1ea3 c\u00e1c chi ph\u00ed nh\u01b0 v\u1eady \u0111\u1ec1u \u0111\u01b0\u1ee3c t\u00ednh theo t\u1ef7 l\u1ec7 ph\u1ea7n tr\u0103m h\u1eb1ng n\u0103m tr\u00ean t\u1ed5ng s\u1ed1 ti\u1ec1n vay. D\u1ef1 Th\u1ea3o Th\u00f4ng T\u01b0 \u0111\u1eb7c bi\u1ec7t lo\u1ea1i tr\u1eeb l\u00e3i ph\u1ea1t, ph\u00ed cam k\u1ebft \u0111\u1ed1i v\u1edbi c\u00e1c kho\u1ea3n cam k\u1ebft ch\u01b0a \u0111\u01b0\u1ee3c gi\u1ea3i ng\u00e2n, chi ph\u00ed tr\u1ea3 tr\u01b0\u1edbc, chi ph\u00ed b\u1ea3o hi\u1ec3m r\u1ee7i ro v\u00e0 thu\u1ebf kh\u1ea5u tr\u1eeb. Tuy nhi\u00ean, danh s\u00e1ch lo\u1ea1i tr\u1eeb kh\u00f4ng \u0111\u01b0\u1ee3c d\u1ef1 ki\u1ebfn nh\u1eb1m m\u1ee5c \u0111\u00edch \u0111\u01b0a ra y\u00eau c\u1ea7u to\u00e0n di\u1ec7n, n\u00f3i c\u00e1ch kh\u00e1c l\u00e0 b\u1ea5t k\u1ef3 n\u1ed9i dung n\u00e0o kh\u00f4ng \u0111\u01b0\u1ee3c \u0111\u1ec1 c\u1eadp c\u1ee5 th\u1ec3 (b\u1eb1ng c\u00e1ch lo\u1ea1i tr\u1eeb) th\u00ec s\u1ebd \u0111\u01b0\u1ee3c bao g\u1ed3m nh\u1eb1m m\u1ee5c \u0111\u00edch t\u00ednh to\u00e1n chi ph\u00ed vay. Theo c\u1ea5u tr\u00fac n\u00e0y, c\u00e1c ngh\u0129a v\u1ee5 thanh to\u00e1n kh\u00e1c nh\u01b0 b\u1ed3i th\u01b0\u1eddng c\u00f3 th\u1ec3 ph\u1ea3i \u0111\u01b0\u1ee3c \u0111\u01b0a v\u00e0o vi\u1ec7c t\u00ednh to\u00e1n chi ph\u00ed vay. \u0110i\u1ec1u n\u00e0y r\u1ea5t ph\u1ee9c t\u1ea1p v\u00ec c\u00e1c ngh\u0129a v\u1ee5 \u0111\u00f3 kh\u00f4ng \u0111\u01b0\u1ee3c gi\u1edbi h\u1ea1n v\u00e0, quan tr\u1ecdng h\u01a1n l\u00e0, c\u00e1c ngh\u0129a v\u1ee5 \u0111\u00f3 kh\u00f4ng th\u1ec3 x\u00e1c \u0111\u1ecbnh tr\u01b0\u1edbc. M\u1eb7c d\u00f9 ch\u00fang ta c\u00f3 th\u1ec3 mong \u0111\u1ee3i vi\u1ec7c t\u00ednh to\u00e1n chi ph\u00ed vay s\u1ebd ng\u00e0y c\u00e0ng ph\u00e1t tri\u1ec3n, nh\u01b0ng c\u00f3 l\u00fd do \u0111\u1ec3 lo\u1ea1i tr\u1eeb c\u00e1c ngh\u0129a v\u1ee5 tr\u00ean kh\u1ecfi vi\u1ec7c t\u00ednh to\u00e1n chi ph\u00ed vay v\u00ec kh\u00f4ng c\u00f3 c\u01a1 s\u1edf \u0111\u1ec3 t\u00ednh to\u00e1n c\u00e1c ngh\u0129a v\u1ee5 \u0111\u00f3 tr\u1eeb khi ch\u00fang \u0111\u01b0\u1ee3c gi\u1edbi h\u1ea1n m\u1ee9c tr\u1ea7n.<\/p>\n<p><strong>Y\u00eau C\u1ea7u V\u1ec1 B\u1ea3o Hi\u1ec3m R\u1ee7i Ro Ngo\u1ea1i H\u1ed1i <\/strong><\/p>\n<p>B\u1ea3o hi\u1ec3m r\u1ee7i ro ngo\u1ea1i h\u1ed1i b\u1eaft bu\u1ed9c l\u1ea7n \u0111\u1ea7u ti\u00ean \u0111\u01b0\u1ee3c \u00e1p d\u1ee5ng nh\u01b0 m\u1ed9t bi\u1ec7n ph\u00e1p b\u1ea3o v\u1ec7 tr\u01b0\u1edbc s\u1ef1 bi\u1ebfn \u0111\u1ed9ng ti\u1ec1n t\u1ec7. Y\u00eau c\u1ea7u m\u1edbi theo D\u1ef1 Th\u1ea3o Th\u00f4ng T\u01b0 s\u1ebd l\u00e0m ph\u00e1t sinh chi ph\u00ed vay b\u1ed5 sung. B\u00ean vay ph\u1ea3i b\u1ea3o \u0111\u1ea3m c\u00e1c \u0111\u01a1n v\u1ecb ti\u1ec1n t\u1ec7 sau \u0111\u01b0\u1ee3c b\u1ea3o hi\u1ec3m r\u1ee7i ro ngo\u1ea1i h\u1ed1i v\u1edbi c\u00e1c ng\u00e2n h\u00e0ng trong n\u01b0\u1edbc (l\u00e0 c\u00e1c ng\u00e2n h\u00e0ng \u0111\u01b0\u1ee3c c\u1ea5p ph\u00e9p cung c\u1ea5p c\u00e1c d\u1ecbch v\u1ee5 ph\u00f2ng ng\u1eeba r\u1ee7i ro):<\/p>\n<ul>\n<li>\u0110\u1ed1i v\u1edbi c\u00e1c kho\u1ea3n vay n\u01b0\u1edbc ngo\u00e0i ng\u1eafn h\u1ea1n: C\u00e1c b\u1ea3o hi\u1ec3m r\u1ee7i ro ngo\u1ea1i h\u1ed1i l\u00e0 b\u1eaft bu\u1ed9c \u0111\u1ed1i v\u1edbi b\u1ea5t k\u1ef3 kho\u1ea3n vay n\u01b0\u1edbc ngo\u00e0i ng\u1eafn h\u1ea1n n\u00e0o c\u00f3 s\u1ed1 ti\u1ec1n n\u1ee3 g\u1ed1c tr\u00ean 500.000 USD (ho\u1eb7c ngo\u1ea1i t\u1ec7 kh\u00e1c t\u01b0\u01a1ng \u0111\u01b0\u01a1ng). C\u00e1c b\u1ea3o hi\u1ec3m r\u1ee7i ro ngo\u1ea1i h\u1ed1i nh\u01b0 v\u1eady ph\u1ea3i \u0111\u01b0\u1ee3c b\u1ea3o \u0111\u1ea3m kh\u1ea3 d\u1ee5ng v\u00e0o ho\u1eb7c tr\u01b0\u1edbc l\u00fac gi\u1ea3i ng\u00e2n v\u00e0 c\u00f3 gi\u00e1 tr\u1ecb t\u01b0\u01a1ng \u0111\u01b0\u01a1ng \u00edt nh\u1ea5t 30% s\u1ed1 ti\u1ec1n g\u1ed1c.<\/li>\n<li>\u0110\u1ed1i v\u1edbi c\u00e1c kho\u1ea3n vay n\u01b0\u1edbc ngo\u00e0i trung v\u00e0 d\u00e0i h\u1ea1n: C\u00e1c b\u1ea3o hi\u1ec3m r\u1ee7i ro ngo\u1ea1i h\u1ed1i l\u00e0 b\u1eaft bu\u1ed9c \u0111\u1ed1i v\u1edbi m\u1ed7i l\u1ea7n thanh to\u00e1n s\u1ed1 ti\u1ec1n n\u1ee3 g\u1ed1c tr\u00ean 500.000 USD (ho\u1eb7c ngo\u1ea1i t\u1ec7 kh\u00e1c t\u01b0\u01a1ng \u0111\u01b0\u01a1ng). C\u00e1c b\u1ea3o hi\u1ec3m r\u1ee7i ro ngo\u1ea1i h\u1ed1i nh\u01b0 v\u1eady ph\u1ea3i \u0111\u01b0\u1ee3c b\u1ea3o \u0111\u1ea3m kh\u1ea3 d\u1ee5ng kh\u00f4ng mu\u1ed9n h\u01a1n 3 th\u00e1ng tr\u01b0\u1edbc ng\u00e0y thanh to\u00e1n s\u1ed1 ti\u1ec1n g\u1ed1c li\u00ean quan v\u00e0 v\u00e0 c\u00f3 gi\u00e1 tr\u1ecb t\u01b0\u01a1ng \u0111\u01b0\u01a1ng \u00edt nh\u1ea5t 30% s\u1ed1 ti\u1ec1n g\u1ed1c s\u1ebd \u0111\u01b0\u1ee3c ho\u00e0n tr\u1ea3 li\u00ean quan.<\/li>\n<\/ul>\n<p>\u0110i\u1ec3m \u0111\u00e1ng ch\u00fa \u00fd l\u00e0 c\u00e1c b\u00ean vay l\u00e0 (i) t\u1ed5 ch\u1ee9c t\u00edn d\u1ee5ng v\u00e0 chi nh\u00e1nh ng\u00e2n h\u00e0ng n\u01b0\u1edbc ngo\u00e0i, v\u00e0 (ii) c\u00e1c t\u1ed5 ch\u1ee9c\/c\u00e1 nh\u00e2n c\u00f3 \u201c\u0111\u1ee7 thu nh\u1eadp ngo\u1ea1i t\u1ec7\u201d (v\u00ed d\u1ee5: c\u00e1c c\u00f4ng ty xu\u1ea5t kh\u1ea9u) \u0111\u01b0\u1ee3c mi\u1ec5n tr\u1eeb y\u00eau c\u1ea7u b\u1ea3o hi\u1ec3m r\u1ee7i ro ngo\u1ea1i h\u1ed1i.<\/p>\n<p><strong>Y\u00eau C\u1ea7u Ch\u1ec9 \u0110\u1ecbnh \u0110\u1ea1i L\u00fd B\u1ea3o \u0110\u1ea3m <\/strong><strong>Trong N\u01b0\u1edbc<\/strong><\/p>\n<p>Theo D\u1ef1 Th\u1ea3o Th\u00f4ng T\u01b0, tr\u01b0\u1eddng h\u1ee3p kho\u1ea3n vay n\u01b0\u1edbc ngo\u00e0i \u0111\u01b0\u1ee3c b\u1ea3o \u0111\u1ea3m b\u1eb1ng t\u00e0i s\u1ea3n b\u1ea3o \u0111\u1ea3m t\u1ecda l\u1ea1c t\u1ea1i Vi\u1ec7t Nam, b\u00ean cho vay v\u00e0 tr\u00e1i ch\u1ee7 n\u01b0\u1edbc ngo\u00e0i ph\u1ea3i ch\u1ec9 \u0111\u1ecbnh t\u1ed5 ch\u1ee9c t\u00edn d\u1ee5ng Vi\u1ec7t Nam (k\u1ec3 c\u1ea3 chi nh\u00e1nh ng\u00e2n h\u00e0ng n\u01b0\u1edbc ngo\u00e0i) ho\u1eb7c ph\u00e1p nh\u00e2n kh\u00e1c c\u1ee7a Vi\u1ec7t Nam l\u00e0m \u0111\u1ea1i l\u00fd b\u1ea3o \u0111\u1ea3m, tr\u1eeb tr\u01b0\u1eddng h\u1ee3p vi\u1ec7c b\u00ean nh\u1eadn b\u1ea3o \u0111\u1ea3m nh\u1eadn chuy\u1ec3n nh\u01b0\u1ee3ng (c\u1ee5 th\u1ec3 l\u00e0 chuy\u1ec3n nh\u01b0\u1ee3ng quy\u1ec1n s\u1edf h\u1eefu) t\u00e0i s\u1ea3n b\u1ea3o \u0111\u1ea3m \u0111\u01b0\u1ee3c xem l\u00e0 \u0111\u00e1p \u1ee9ng \u0111\u1ea7y \u0111\u1ee7 v\u00e0 gi\u1ea3i tr\u1eeb c\u00e1c ngh\u0129a v\u1ee5 b\u1ea3o \u0111\u1ea3m.<\/p>\n<p>Hi\u1ec7n t\u1ea1i, kh\u00e1i ni\u1ec7m \u0111\u1ea1i l\u00fd b\u1ea3o \u0111\u1ea3m ch\u01b0a \u0111\u01b0\u1ee3c NHNN quy \u0111\u1ecbnh r\u00f5 r\u00e0ng. Kh\u00e1i ni\u1ec7m n\u00e0y ch\u1ec9 \u0111\u01b0\u1ee3c \u00e1p d\u1ee5ng trong b\u1ed1i c\u1ea3nh cho vay h\u1ee3p v\u1ed1n khi m\u00e0 c\u00e1c quy \u0111\u1ecbnh c\u1ee7a NHNN cho ph\u00e9p c\u1ee5 th\u1ec3 m\u1ed9t th\u00e0nh vi\u00ean h\u1ee3p v\u1ed1n \u0111\u00f3ng vai tr\u00f2 l\u00e0 \u0111\u1ea1i l\u00fd b\u1ea3o \u0111\u1ea3m v\u00e0 \u0111\u1ea1i di\u1ec7n cho to\u00e0n b\u1ed9 c\u00e1c b\u00ean cho vay h\u1ee3p v\u1ed1n. Do \u0111\u00f3, trong c\u00e1c kho\u1ea3n t\u00e0i tr\u1ee3 cho vay (kh\u00f4ng h\u1ee3p v\u1ed1n) kh\u00e1c (v\u00ed d\u1ee5, c\u00e1c kho\u1ea3n vay song ph\u01b0\u01a1ng), c\u00e1c ng\u00e2n h\u00e0ng trong n\u01b0\u1edbc th\u01b0\u1eddng do d\u1ef1 trong vi\u1ec7c ch\u1ea5p nh\u1eadn c\u00e1c vai tr\u00f2 \u0111\u1ea1i l\u00fd b\u1ea3o \u0111\u1ea3m khi kh\u00f4ng c\u00f3 c\u01a1 s\u1edf ph\u00e1p l\u00fd r\u00f5 r\u00e0ng. Do \u0111\u00f3, s\u1ef1 thay \u0111\u1ed5i n\u00e0y \u0111\u01b0\u1ee3c hoan ngh\u00eanh v\u00ec, \u1edf m\u1ed9t m\u1ee9c \u0111\u1ed9 nh\u1ea5t \u0111\u1ecbnh, n\u00f3 t\u1ea1o c\u01a1 s\u1edf ph\u00e1p l\u00fd cho c\u00e1c ng\u00e2n h\u00e0ng trong n\u01b0\u1edbc \u0111\u00f3ng vai tr\u00f2 nh\u01b0 c\u00e1c \u0111\u1ea1i l\u00fd b\u1ea3o \u0111\u1ea3m li\u00ean quan \u0111\u1ebfn t\u1ea5t c\u1ea3 c\u00e1c kho\u1ea3n vay n\u01b0\u1edbc ngo\u00e0i c\u00f3 b\u1ea3o \u0111\u1ea3m.<\/p>\n<p><strong>Y\u00eau C\u1ea7u B\u1ed5 Sung V\u1ec1 M\u1ee5c \u0110\u00edch C\u1ee7a Vi\u1ec7c S\u1eed D\u1ee5ng Ti\u1ec1n Thu \u0110\u01b0\u1ee3c \u00a0<\/strong><\/p>\n<p>Theo Th\u00f4ng T\u01b0 12, m\u1ee5c \u0111\u00edch c\u1ee7a vi\u1ec7c s\u1eed d\u1ee5ng ti\u1ec1n thu \u0111\u01b0\u1ee3c \u0111\u1ed1i v\u1edbi c\u00e1c kho\u1ea3n vay n\u01b0\u1edbc ngo\u00e0i trung v\u00e0 d\u00e0i h\u1ea1n \u0111\u01b0\u1ee3c gi\u1edbi h\u1ea1n \u1edf vi\u1ec7c (i) t\u00e0i tr\u1ee3 cho c\u00e1c d\u1ef1 \u00e1n s\u1ea3n xu\u1ea5t v\u00e0 \u0111\u1ea7u t\u01b0 c\u1ee7a b\u00ean vay ho\u1eb7c c\u00e1c c\u00f4ng ty do b\u00ean vay \u0111\u1ea7u t\u01b0 (bao g\u1ed3m c\u1ea3 t\u00e0i tr\u1ee3 giao d\u1ecbch mua l\u1ea1i cho m\u1ee5c \u0111\u00edch mua b\u00e1n v\u00e0 s\u00e1p nh\u1eadp) v\u00e0 (ii) t\u00e1i t\u00e0i tr\u1ee3 cho c\u00e1c kho\u1ea3n vay n\u01b0\u1edbc ngo\u00e0i c\u1ee7a b\u00ean vay v\u1edbi c\u00e1c \u0111i\u1ec1u ki\u1ec7n c\u00f3 l\u1ee3i h\u01a1n. Ngo\u00e0i ra, b\u00ean vay kh\u00f4ng \u0111\u01b0\u1ee3c s\u1eed d\u1ee5ng ti\u1ec1n thu \u0111\u01b0\u1ee3c t\u1eeb c\u00e1c kho\u1ea3n vay ng\u1eafn h\u1ea1n n\u01b0\u1edbc ngo\u00e0i cho m\u1ee5c \u0111\u00edch s\u1eed d\u1ee5ng trung v\u00e0 d\u00e0i h\u1ea1n. V\u1ea5n \u0111\u1ec1 n\u00e0y v\u1eabn ch\u01b0a \u0111\u01b0\u1ee3c quy \u0111\u1ecbnh c\u1ee5 th\u1ec3, li\u1ec7u c\u00e1c kho\u1ea3n vay ng\u1eafn h\u1ea1n c\u00f3 th\u1ec3 \u0111\u01b0\u1ee3c s\u1eed d\u1ee5ng cho c\u00e1c m\u1ee5c \u0111\u00edch mua b\u00e1n v\u00e0 s\u00e1p nh\u1eadp hay kh\u00f4ng.<\/p>\n<p>D\u1ef1 Th\u1ea3o Th\u00f4ng T\u01b0 l\u00e0m r\u00f5 m\u1ee5c \u0111\u00edch c\u1ee7a vi\u1ec7c s\u1eed d\u1ee5ng ti\u1ec1n thu \u0111\u01b0\u1ee3c \u0111\u1ed1i v\u1edbi c\u1ea3 kho\u1ea3n vay n\u01b0\u1edbc ngo\u00e0i ng\u1eafn h\u1ea1n v\u00e0 kho\u1ea3n vay n\u01b0\u1edbc ngo\u00e0i trung v\u00e0 d\u00e0i h\u1ea1n. Th\u00f4ng th\u01b0\u1eddng, kho\u1ea3n vay ng\u1eafn h\u1ea1n n\u01b0\u1edbc ngo\u00e0i ph\u1ea3i \u0111\u01b0\u1ee3c s\u1eed d\u1ee5ng \u0111\u1ec3 thanh to\u00e1n c\u00e1c kho\u1ea3n n\u1ee3 ng\u1eafn h\u1ea1n (c\u00e1c kho\u1ea3n n\u1ee3 \u0111\u1ebfn h\u1ea1n thanh to\u00e1n trong v\u00f2ng 12 th\u00e1ng k\u1ec3 t\u1eeb khi k\u00fd k\u1ebft c\u00e1c h\u1ee3p \u0111\u1ed3ng giao d\u1ecbch). Tuy nhi\u00ean, b\u00ean vay kh\u00f4ng \u0111\u01b0\u1ee3c s\u1eed d\u1ee5ng ti\u1ec1n thu \u0111\u01b0\u1ee3c t\u1eeb c\u00e1c kho\u1ea3n vay n\u01b0\u1edbc ngo\u00e0i ng\u1eafn h\u1ea1n \u0111\u1ec3 (i) t\u00e1i t\u00e0i tr\u1ee3 cho c\u00e1c kho\u1ea3n n\u1ee3 trong n\u01b0\u1edbc, (ii) t\u00e0i tr\u1ee3 cho ho\u1ea1t \u0111\u1ed9ng kinh doanh ch\u1ee9ng kho\u00e1n (v\u00ed d\u1ee5, c\u00e1c kho\u1ea3n vay l\u00e3i bi\u00ean), (iii) t\u00e0i tr\u1ee3 giao d\u1ecbch mua l\u1ea1i c\u1ed5 ph\u1ea7n cho m\u1ee5c \u0111\u00edch mua b\u00e1n v\u00e0 s\u00e1p nh\u1eadp v\u00e0 (iv) t\u00e0i tr\u1ee3 \u0111\u1ea7u t\u01b0 v\u00e0o t\u00e0i s\u1ea3n v\u00e0 d\u1ef1 \u00e1n b\u1ea5t \u0111\u1ed9ng s\u1ea3n.<\/p>\n<p>B\u00ean vay c\u00f3 th\u1ec3 s\u1eed d\u1ee5ng ti\u1ec1n thu \u0111\u01b0\u1ee3c t\u1eeb c\u00e1c kho\u1ea3n vay n\u01b0\u1edbc ngo\u00e0i trung v\u00e0 d\u00e0i h\u1ea1n \u0111\u1ec3 (i) t\u00e0i tr\u1ee3 cho c\u00e1c d\u1ef1 \u00e1n \u0111\u1ea7u t\u01b0 c\u1ee7a b\u00ean vay, (ii) t\u0103ng v\u1ed1n c\u1ee7a b\u00ean vay cho c\u00e1c m\u1ee5c \u0111\u00edch s\u1ea3n xu\u1ea5t kinh doanh h\u1ee3p ph\u00e1p, v\u1edbi \u0111i\u1ec1u ki\u1ec7n t\u1ef7 l\u1ec7 n\u1ee3 trung v\u00e0 d\u00e0i h\u1ea1n tr\u00ean v\u1ed1n ch\u1ee7 s\u1edf h\u1eefu kh\u00f4ng v\u01b0\u1ee3t qu\u00e1 t\u1ef7 l\u1ec7 3:1 v\u00e0 (iii) t\u00e1i t\u00e0i tr\u1ee3 cho c\u00e1c kho\u1ea3n n\u1ee3 n\u01b0\u1edbc ngo\u00e0i c\u1ee7a b\u00ean vay. Ch\u00fang t\u00f4i m\u00f4 t\u1ea3 b\u00ean d\u01b0\u1edbi 4 v\u1ea5n \u0111\u1ec1 c\u1ea7n l\u01b0u \u00fd c\u1ee5 th\u1ec3.<\/p>\n<p>Th\u1ee9 nh\u1ea5t, D\u1ef1 Th\u1ea3o Th\u00f4ng T\u01b0 \u0111\u1eb7c bi\u1ec7t lo\u1ea1i b\u1ecf kh\u1ea3 n\u0103ng b\u00ean vay s\u1eed d\u1ee5ng c\u00e1c kho\u1ea3n vay trung v\u00e0 d\u00e0i h\u1ea1n \u0111\u1ec3 t\u00e0i tr\u1ee3 cho c\u00e1c d\u1ef1 \u00e1n \u0111\u1ea7u t\u01b0 ho\u1eb7c s\u1ea3n xu\u1ea5t t\u1ea1i c\u00e1c c\u00f4ng ty con c\u1ee7a m\u00ecnh. \u0110i\u1ec1u n\u00e0y c\u00f3 th\u1ec3 th\u1ef1c hi\u1ec7n \u0111\u01b0\u1ee3c theo Th\u00f4ng T\u01b0 12 b\u1eb1ng c\u00e1ch \u0111\u1ea7u t\u01b0 v\u1ed1n ch\u1ee7 s\u1edf h\u1eefu ho\u1eb7c v\u1ed1n vay v\u00e0o c\u00e1c c\u00f4ng ty con. NHNN ch\u01b0a \u0111\u01b0a ra b\u1ea5t k\u1ef3 gi\u1ea3i th\u00edch n\u00e0o v\u1ec1 vi\u1ec7c lo\u1ea1i b\u1ecf n\u00e0y v\u00e0 \u00fd \u0111\u1ecbnh c\u1ee7a NHNN v\u1eabn ch\u01b0a r\u00f5 r\u00e0ng. Ch\u00fang t\u00f4i hy v\u1ecdng n\u1ed9i dung s\u1ebd \u0111\u01b0\u1ee3c NHNN l\u00e0m r\u00f5 h\u01a1n, v\u00ec n\u1ebfu \u0111\u01b0\u1ee3c th\u00f4ng qua, quy \u0111\u1ecbnh n\u00e0y s\u1ebd \u0111\u1eb7t ra v\u1ea5n \u0111\u1ec1 \u0111\u1ed1i v\u1edbi c\u1ea5u tr\u00fac t\u1eadp \u0111o\u00e0n c\u00f3 v\u1ed1n do c\u00f4ng ty m\u1eb9 huy \u0111\u1ed9ng \u0111\u1ec3 c\u00e1c c\u00f4ng ty con s\u1eed d\u1ee5ng (m\u1ed9t h\u00ecnh th\u1ee9c ph\u00e2n chia ph\u1ed5 bi\u1ebfn).<\/p>\n<p>Th\u1ee9 hai, \u0111\u1ed1i v\u1edbi m\u1ee5c \u0111\u00edch t\u0103ng v\u1ed1n, t\u1ef7 l\u1ec7 n\u1ee3 3:1 tr\u00ean v\u1ed1n ch\u1ee7 s\u1edf h\u1eefu l\u00e0 m\u1ed9t y\u00eau c\u1ea7u m\u1edbi. V\u1ed1n ch\u1ee7 s\u1edf h\u1eefu bao g\u1ed3m v\u1ed1n \u0111i\u1ec1u l\u1ec7 v\u00e0 c\u00e1c kho\u1ea3n m\u1ee5c v\u1ed1n ch\u1ee7 s\u1edf h\u1eefu kh\u00e1c, trong khi n\u1ee3 \u0111\u01b0\u1ee3c gi\u1edbi h\u1ea1n \u1edf n\u1ee3 t\u00e0i ch\u00ednh trung v\u00e0 d\u00e0i h\u1ea1n v\u00e0 kh\u00f4ng bao g\u1ed3m n\u1ee3 ng\u1eafn h\u1ea1n v\u00e0 n\u1ee3 th\u01b0\u01a1ng m\u1ea1i.<\/p>\n<p>Th\u1ee9 ba, \u0111\u1ed1i v\u1edbi m\u1ee5c \u0111\u00edch t\u00e1i t\u00e0i tr\u1ee3, D\u1ef1 Th\u1ea3o Th\u00f4ng T\u01b0 lo\u1ea1i b\u1ecf \u0111i\u1ec1u ki\u1ec7n t\u00e1i t\u00e0i tr\u1ee3 ph\u1ea3i mang t\u00ednh \u01b0u \u0111\u00e3i h\u01a1n. Thay v\u00e0o \u0111\u00f3, kho\u1ea3n ti\u1ec1n vay n\u01b0\u1edbc ngo\u00e0i m\u1edbi kh\u00f4ng \u0111\u01b0\u1ee3c v\u01b0\u1ee3t qu\u00e1 s\u1ed1 d\u01b0 n\u1ee3 c\u1ee7a kho\u1ea3n vay t\u00e1i t\u00e0i tr\u1ee3. \u0110i\u1ec1u n\u00e0y \u0111\u01b0\u1ee3c coi l\u00e0 h\u1ee3p l\u00fd v\u00ec th\u1ef1c t\u1ebf b\u00ean vay ch\u1ec9 nh\u1eadn t\u00e1i t\u00e0i tr\u1ee3 v\u1edbi c\u00e1c \u0111i\u1ec1u ki\u1ec7n mang t\u00ednh \u01b0u \u0111\u00e3i h\u01a1n so v\u1edbi kho\u1ea3n n\u1ee3 hi\u1ec7n h\u1eefu c\u1ee7a b\u00ean vay.<\/p>\n<p>Cu\u1ed1i c\u00f9ng, ch\u00fang t\u00f4i l\u01b0u \u00fd r\u1eb1ng B\u1ed9 T\u00e0i ch\u00ednh (\u201c<strong>BTC<\/strong>\u201d) \u0111ang nghi\u00ean c\u1ee9u ri\u00eang v\u1ec1 d\u1ef1 th\u1ea3o quy ch\u1ebf qu\u1ea3n l\u00fd tr\u00e1i phi\u1ebfu do c\u00e1c doanh nghi\u1ec7p Vi\u1ec7t Nam ph\u00e1t h\u00e0nh t\u1ea1i Vi\u1ec7t Nam ho\u1eb7c tr\u00ean th\u1ecb tr\u01b0\u1eddng qu\u1ed1c t\u1ebf. \u0110\u1ed1i v\u1edbi tr\u00e1i phi\u1ebfu ph\u00e1t h\u00e0nh qu\u1ed1c t\u1ebf b\u1eb1ng ngo\u1ea1i t\u1ec7, d\u1ef1 th\u1ea3o quy \u0111\u1ecbnh ch\u1ec9 y\u00eau c\u1ea7u m\u1ee5c \u0111\u00edch c\u1ee7a vi\u1ec7c s\u1eed d\u1ee5ng ti\u1ec1n thu \u0111\u01b0\u1ee3c \u0111\u1ed1i v\u1edbi tr\u00e1i phi\u1ebfu \u0111\u00f3 ph\u1ea3i tu\u00e2n th\u1ee7 c\u00e1c quy \u0111\u1ecbnh hi\u1ec7n h\u00e0nh c\u1ee7a th\u1ecb tr\u01b0\u1eddng n\u01a1i tr\u00e1i phi\u1ebfu \u0111\u01b0\u1ee3c ch\u00e0o b\u00e1n. Kh\u00f4ng c\u00f3 h\u1ea1n ch\u1ebf c\u1ee5 th\u1ec3 n\u00e0o \u00e1p d\u1ee5ng cho m\u1ee5c \u0111\u00edch c\u1ee7a vi\u1ec7c s\u1eed d\u1ee5ng ti\u1ec1n thu \u0111\u01b0\u1ee3c \u0111\u1ed1i v\u1edbi c\u00e1c tr\u00e1i phi\u1ebfu \u0111\u00f3 nh\u01b0 hi\u1ec7n \u0111\u01b0\u1ee3c quy \u0111\u1ecbnh theo quy ch\u1ebf d\u1ef1 th\u1ea3o do BTC \u0111\u1ec1 xu\u1ea5t. NHNN n\u00ean xem x\u00e9t c\u00e1ch ti\u1ebfp c\u1eadn \u0111\u01b0\u1ee3c th\u1ef1c hi\u1ec7n theo d\u1ef1 th\u1ea3o quy ch\u1ebf qu\u1ea3n l\u00fd n\u00e0y nh\u1eb1m b\u1ea3o \u0111\u1ea3m c\u00f3 s\u1ef1 th\u1ed1ng nh\u1ea5t gi\u1eefa hai v\u0103n b\u1ea3n quy ph\u1ea1m ph\u00e1p lu\u1eadt \u0111\u01b0\u1ee3c \u0111\u1ec1 xu\u1ea5t.<\/p>\n<p><strong>K\u1ebft Lu\u1eadn<\/strong><\/p>\n<p>D\u1ef1 Th\u1ea3o Th\u00f4ng T\u01b0 th\u1ec3 hi\u1ec7n quy\u1ebft t\u00e2m c\u1ee7a NHNN trong vi\u1ec7c th\u1eaft ch\u1eb7t c\u00e1c ti\u00eau ch\u00ed \u00e1p d\u1ee5ng \u0111\u1ed1i v\u1edbi 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 th\u1ebf gi\u1edbi c\u00f3 nhi\u1ec1u bi\u1ebfn \u0111\u1ed9ng, s\u1ef1 gi\u00e1n \u0111o\u1ea1n chu\u1ed7i cung \u1ee9ng v\u00e0 r\u1ee7i ro v\u1ee1 n\u1ee3 (\u0111\u01b0\u1ee3c minh h\u1ecda b\u1eb1ng nh\u1eefng th\u1ea5t b\u1ea1i nh\u01b0 s\u1ef1 ki\u1ec7n Evergrande c\u1ee7a Trung Qu\u1ed1c), n\u1ed7 l\u1ef1c n\u00e0y nh\u1eb1m m\u1ee5c \u0111\u00edch b\u1ea3o v\u1ec7 h\u1ed3 s\u01a1 n\u1ee3 n\u01b0\u1edbc ngo\u00e0i c\u1ee7a Vi\u1ec7t Nam. M\u1eb7c d\u00f9 D\u1ef1 Th\u1ea3o Th\u00f4ng T\u01b0 (t\u1ea1i th\u1eddi \u0111i\u1ec3m vi\u1ebft b\u00e0i) v\u1eabn \u0111ang ti\u1ebfp nh\u1eadn \u00fd ki\u1ebfn c\u1ee7a c\u00f4ng ch\u00fang (\u0111\u1ec3 c\u00e2n b\u1eb1ng gi\u1eefa m\u1ee5c ti\u00eau ch\u00ednh s\u00e1ch c\u1ee7a NHNN v\u1edbi nhu c\u1ea7u c\u1ee7a c\u00e1c b\u00ean li\u00ean quan), nh\u01b0ng r\u00f5 r\u00e0ng NHNN \u0111ang chuy\u1ec3n sang m\u1ed9t ch\u1ebf \u0111\u1ed9 qu\u1ea3n l\u00fd kho\u1ea3n vay n\u01b0\u1edbc ngo\u00e0i ch\u1eb7t ch\u1ebd h\u01a1n. Trong khi gi\u1edbi h\u1ea1n v\u1ec1 c\u00e1c kho\u1ea3n vay n\u01b0\u1edbc ngo\u00e0i, c\u00e1c y\u00eau c\u1ea7u v\u1ec1 b\u1ea3o hi\u1ec3m r\u1ee7i ro ngo\u1ea1i h\u1ed1i, c\u00e1c y\u00eau c\u1ea7u v\u1ec1 ch\u1ec9 \u0111\u1ecbnh \u0111\u1ea1i l\u00fd b\u1ea3o \u0111\u1ea3m \u0111\u1ecba ph\u01b0\u01a1ng v\u00e0 c\u00e1c y\u00eau c\u1ea7u b\u1ed5 sung v\u1ec1 m\u1ee5c \u0111\u00edch c\u1ee7a vi\u1ec7c s\u1eed d\u1ee5ng ti\u1ec1n thu \u0111\u01b0\u1ee3c t\u1ea1o ra m\u1ed9t h\u1ec7 th\u1ed1ng \u1ed5n \u0111\u1ecbnh h\u01a1n, t\u1ea5t c\u1ea3 nh\u1eefng \u0111i\u1ec1u n\u00e0y \u0111\u1ed3ng th\u1eddi c\u00f3 th\u1ec3 ng\u0103n ch\u1eb7n n\u1ed7 l\u1ef1c g\u00e2y qu\u1ef9 qu\u1ed1c t\u1ebf c\u1ee7a c\u00e1c doanh nghi\u1ec7p \u0111\u1ecba ph\u01b0\u01a1ng cho c\u00e1c ho\u1ea1t \u0111\u1ed9ng th\u01b0\u01a1ng m\u1ea1i h\u1ee3p ph\u00e1p. Ch\u00fang t\u00f4i hy v\u1ecdng r\u1eb1ng b\u1ea5t k\u1ef3 m\u1ed1i quan t\u00e2m n\u00e0o c\u1ee7a c\u00e1c b\u00ean li\u00ean quan s\u1ebd \u0111\u01b0\u1ee3c NHNN xem x\u00e9t khi c\u00e2n \u0111\u1ed1i c\u00e1c m\u1ee5c ti\u00eau ph\u00e1p l\u00fd c\u1ee7a ch\u00ednh NHNN.<\/p>\n<p>&#8212;<\/p>\n<p><a href=\"#_ftnref1\" name=\"_ftn1\">[1]<\/a> \u00a0\u00a0\u00a0\u00a0 \u00a0\u00a0\u00a0\u00a0\u00a0\u00a0 Xem t\u1ea1i <a href=\"https:\/\/www.sbv.gov.vn\/webcenter\/portal\/vi\/menu\/fm\/ddnhnn\/lykdtvbqppl\/ctlykdtvbqppl?leftWidth=20%25&amp;dID=484267&amp;showFooter=false&amp;expired=true&amp;showHeader=false&amp;dDocName=SBV496236&amp;rightWidth=0%25&amp;centerWidth=80%25&amp;_afrLoop=57128187611213224#%40%3F_afrLoop%3D57128187611213224%26centerWidth%3D80%2525%26dDocName%3DSBV496236%26dID%3D484267%26expired%3Dtrue%26leftWidth%3D20%2525%26rightWidth%3D0%2525%26showFooter%3Dfalse%26showHeader%3Dfalse%26_adf.ctrl-state%3Dfj39c445g_46\" target=\"_blank\" rel=\"noopener\">\u0111\u00e2y<\/a>\u00a0(truy c\u1eadp l\u1ea7n cu\u1ed1i v\u00e0o ng\u00e0y 14 th\u00e1ng 6 n\u0103m 2022).[\/vc_column_text][vc_empty_space][vc_column_text css=&#8221;.vc_custom_1719221966102{margin-bottom: 0px !important;}&#8221;]<span style=\"text-decoration: underline;\"><strong>T\u00e1c gi\u1ea3<\/strong><\/span>[\/vc_column_text][mk_employees column=&#8221;5&#8243; order=&#8221;ASC&#8221; employees=&#8221;431, 4547&#8243;][mk_divider][vc_column_text css=&#8221;.vc_custom_1719222006341{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>[\/vc_column_text][\/vc_column][\/vc_row][vc_row][vc_column][vc_column_text css=&#8221;.vc_custom_1656662656109{margin-bottom: 0px !important;}&#8221;]<strong>Xem b\u00e0i vi\u1ebft \u0111\u0103ng t\u1ea3i tr\u00ean Lexology t\u1ea1i <a href=\"https:\/\/apc01.safelinks.protection.outlook.com\/?url=https%3A%2F%2Fwww.lexology.com%2Flibrary%2Fdetail.aspx%3Fg%3D02146bb7-ed34-4c36-b42f-15256abc9a5e&amp;data=05%7C01%7Can.huynh%40ykvn-law.com%7C4c05659be5c8496fecb608da5b1f6b6b%7Cbc21bbd5a0db4f6da214855eb6865b52%7C0%7C0%7C637922487866313422%7CUnknown%7CTWFpbGZsb3d8eyJWIjoiMC4wLjAwMDAiLCJQIjoiV2luMzIiLCJBTiI6Ik1haWwiLCJXVCI6Mn0%3D%7C3000%7C%7C%7C&amp;sdata=R9piC4bvxZkCjldyIRzHczwtqebrraFGNVcxEgCOuwU%3D&amp;reserved=0\" target=\"_blank\" rel=\"noopener\">\u0110\u00c2Y<\/a>.<\/strong>[\/vc_column_text][\/vc_column][\/vc_row]\n<\/div>","protected":false},"excerpt":{"rendered":"<p>Trong n\u1ed9i dung c\u1eadp nh\u1eadt ph\u00e1p lu\u1eadt n\u00e0y, ch\u00fang t\u00f4i th\u1ea3o lu\u1eadn v\u1ec1 c\u00e1c kh\u00eda c\u1ea1nh \u0111\u00e1ng ch\u00fa \u00fd c\u1ee7a ch\u1ebf \u0111\u1ed9 m\u1edbi \u0111\u01b0\u1ee3c \u0111\u1ec1 xu\u1ea5t v\u00e0 c\u00e1c k\u1ebft lu\u1eadn ch\u00ednh c\u1ee7a YKVN.<\/p>\n","protected":false},"author":3,"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-10859","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 - 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