•
DIEN fiAN NGHIEN cuu VE
TAI CHlNH TIEN TE
cho vay h6
tror
lai
suat
DOI VOI DOANH NGHIEP, TO CHQC VA CA NHAN
TRI/ONG OlNH SONG
C
hinh sach hd trg lai suit ciia
Chinh phu ddi vdi doanh
nghiep, dae biet la doanh
nghiep vUa va nhd tao dugc su ddng tinh
va iing hp ciia cae td chirc, cac doanh
nghiep, cung nhu cac td chirc chinh trj xa
hdi.
Cac td chire tin dung duge nha nude
giao cho nhiem vu cho vay hd trg lai suit
ddi vdi cac doanh nghiep, td chirc, ca
nhan dd' SXKD cung don nhan va trien
khai chinh sach nay ciia Chinh phii va
hudng dan ciia NHNN khan truang
nghiem tiie, kip thdi den vdi khach hang
vay vdn. Ngay ttf khi cd QO sd 131
QO/TTg ngay 23/1/2009, QO sd
143QO/TTg ngay 4/4/2009 va QO sd
497QO-TTg ngay 17/4/2009 ve cho vay
ngin han, trung va dai han de md rpng
SXKD,
diu tu mdi de' mua sam thiet bj
phuc vu san xuit ndng nghiep ndng
thdn,
cho vay mua vat lieu xay dung nha d eho
nguOi CO thu nhap thap, tUng NHTM da
soat xet, xay dung ban hanh quy trinh
nghiep vu cho vay hd trg lai suit ap dung
ddi voi khach hang ddng thoi cung ban
hanh nhtfng quy dinh ve phuong phap
thdng ke, hach toan theo ddi cac khoan
cho vay hd trg lai suit bao dam cho vide
cho vay hd trg lai suit thuc hien dung quy
dinh eiia Chinh phii va hudng dan eiia
NHNN.
Oi lien vdi vide ban hanh quy trinh
nghiep vu, cac NHTM da lam tdt cPng tac
giao due chinh trj tu tudng, dao dife nghd
nghiep eho can bd chuyen mdn nghiep vu
khi thuc hien cho vay.
Ve chuyen mdn, mdi NHTM da chii
ddng len danh muc, ra soat cac khoan
vay ciia khach hang thudc ddi tugng hd
trg lai suit tu dd de' can ddi ngudn
vdn,
cd
eac giai phap huy ddng cae ngudn vdn d6
phuc vu chuong trinh tin dung, kich eau
ciia Chinh phii thong qua hd trg lai suit
vay vdn ddi vdi doanh nghiep doanh
nhan.
Mat khac, timg don vi cung da tien
hanh xem xet xir ly cae van dd vd cdng
nghe,
irng dung cdng nghd ngSn hang
hien dai vao vide hach toan ke to^n,
thdng ke theo ddi ehi tiet va tdng hgp Ceic
19 IHl IRWJNG IAI
CHiNH
IlfN
If •
5612(285)
•
15/6/2009
DIEN OAN NGHIEN ciru VE
TAI CHlNH TIEN TE
:z
khoan cho vay hd trg lai suit chuan xac
phuc vu eho cdng tac giam sat, thanh tra
ciia cac CO quan co tham quyen khi
NHTM cip bii lai suit eho DN khaeh
hang vay va xet duyet cip bu cho NHTM
khoan tidn da chi hd trg lai suit ddi vdi
khach hang theo quy djnh eiia Chinh phii
va hudng dan eua NHNN.
TUng td chUc tin dung da co nhieu
bien phap, cae hinh thire thich hgp de'
hudng dan quy djnh vd hd trg lai suit eiia
Chinh
phii,
didu
kien,
thii tue khi vay vdn
tai NHTM dd duge huong chinh sach hd
trg lai suit den vdi khach hang nhat la
cae hd san xuit, DN nhd va vUa
thdng qua cac cudc hgp vdi khaeh
hang eac phuong tien thdng tin dai
chiing,
quang ba tren website, bang
rPn vd eo che hd trg lai suit tai eac
diem giao
djch.
Mat khac, tUng
TCTD cung da lap duOng day nong
de tiep nhan thPng tin giai dap,
hudng dan kip thOi nhUng thic mac
ciia khach hang vay vdn dugc
hudng chinh sach hd trg lai suit
ciia Chinh
phii.
Hiep hpi NgSn hang Viet Nam
vdi vai trd cau ndi gitfa cae Td chire
hpi vien vOi Chinh phu va cac co
quan quan ly nha nude, ngay tU khi
eP cac QO ciia Thii tuOng Chinh
phii vg CO che hd trg lai suit cho
DN dugc vay vdn tai NHTM, da td
chUe nhidu cupc hpp, tpa dam, gap
mat vdi cac NHTM, CPng ty tai
chinh nam bit kho khan vudng mac
phat sinh khi thuc hien co che cho vay hd
trg lai suit, tU dd da cP van ban kien nghj
vdi Chinh
phii,
NHNN bd sung, hudng
dan va da duge Chinh phu, NHNN sira
ddi,
bd sung tao cho chinh sach hd trg lai
suit eua CP di vao thuc tien tdt hon, gPp
phin kich ciu phat trid'n SXKD, ngan
chan suy giam kinh te.
Theo thPng tin tU NHNN tinh den
ngay 28/5/2009, tdng du ng eho vay hd
trg \i\ suit la 319.074,63 ty VNO so vdi
eudi th^ng 2 dat 343%, trong dP NHTM
Nha nuOc va Quy TDTW la 230.597,24
ty, bing 72,27% so vdi tdng sd, NHTM
CP la 71.407,96 ty, bing 22,37%, NHLD
va chi nhanh NHNN la 15.067,81 ty,
bing 4,27%, Cong ty tai chinh 2.001,62
ty, bang 0,64%.
Qua sd lieu tren cho thiy co che hd
trg lai suit eiia Chinh phii cho cae td
chirc kinh te, ca nhan, hp gia dinh vay
vdn tai NHTM dd' phat trien SXKD la mpt
chinh sach kich ciu dung din ciia Chinh
phii nhan dugc su ddng tinh huong Ung
va img hp ciia ca xa hpi, tao long tin ddi
vdi DN va nguOi dan ve eac giai phap
kich eau eiia CP nhim ngan chan suy
giam kinh te. Cac NHTM da trie'n khai kjp
thai,
ddng bp co che hd trg lai suit ciia
• 200000
" Tydong
\
(ho
c/)i/cfng
trinh
•
LAI SUA
J""»'
,^'-ih*tngay31-12-
CHiNH SACH HOTRO LAI SUAT CUA CHINH
PHU 001 VOI DOANH NGHIEP, OAC BIET LA
DOANH NGHIEP VUA VA NHO TAO OU^OC SU
OONG TiNH VA IING HO CUA CAC TO CHIJC,
CAC DOANH NGHIEP, CUNG NHU CAC TO
CHirC CHiNH TRI XA HOI.
CP duge phd bien cong
khai,
rd rang,
minh bach den tan khaeh hang.
Ket qua thuc hien chinh sach hd trg
lai suit da gdp phin tang trudng tin dung
bing VNO cu the quy
1/2009
tang 9,4%
so vdi thang 12/2008, thang 4/2009 tang
10,58%
so vdi thang 12/2008, tdc dp
tang trudng tin dung thang sau cao hon
thang trude, dac biet tu thang 4 tro lai
day tdc dp tang trudng tin dung da gPp
phin ngan chan suy giam kinh te ciia dat
nude.
Chinh sach hd trg lai suit ddng
thOi gdp phin dn djnh lai suit thi truong,
giiip DN giam ehi phi vdn vay, ha gia
thanh san pham, gdp phin nang cao sifc
canh tranh, tao cdng an viec lam cho
nguoi lao dpng, dn djnh SXKD ciia DN,
hp san xuit, NHTM md rpng dugc tin
dung,
nang cao dugc hieu qua hoat dpng
ciia minh.
Tuy nhien qua trinh thuc hien cae QO
eiia CP ve ho trg lai suit cung ndi len
mpt sd vin de cac NHTM cin quan tam
de'
xir ly bao dam cho HOKD giam thie'u
riii ro dp la:
Thu
nhit:
Cung mpt liic cac TCTD
phai trien khai 3 co che hd trg lai suit
(QO sd 131, QO sd 443 va QO sd 497)
nen khdi lugng cong viec tang len rit lOn
chi phdi nhieu den cPng tac
quan trj va dieu hanh. Do dd,
tung TCTD phai xay dung ke
hoach va thuc hien quan trj didu
hanh nghiem tuc, chat che tang
cuong cdng tac kid'm tra giam
sat noi bp.
Thu hai: ca che hd trg lai
suit eiia Chinh phu tao giup
DN,
hp gia dinh vay vdn tao co
hpi cho cae TCTD mo rpng tin
dung,
nhu ciu vay vdn dang
tang len rit Idn, cac NH se khd
khan trong viec can ddi ngudn
vdn cho nhu ciu, de han che riii
ro mdi NH phai kiem soat chat
che , can ddi ky han huy dpng
vdn va sir dung vdn.
Thu ba: do tin dung duge
md rpng, du ng tin dung tang
cao,
kha nang ng xiu se tang
len,
nen cac NH phai thuc hien
nghiem tiie quy dinh phan loai ng va trich
lap du phPng theo quy dinh ciia NHNN
tai cac QO sd 493QO/NHNN, QO sd
18/NHNN ve phan loai ng va trich lap du
phong riii ro va bao dam cac ty le an toan
vdn theo quy djnh tai QO sd
457QO/NHNN.
Thu tu: thuc hien nghiem tiic cac giai
phap ve quan trj dieu hanh dac biet la
quan trj riii ro tin dung de' giam thidu riii
ro bao dam cho NH hoat dong kmh
doanh dn djnh thuc hien tdt chinh sach
kich ciu ciia Chinh phii thPng qua giai
phap hd tro lai suit dd gPp phin ngan
chan suy giam kinh te ciia dit nude*
IHl
n\M(,
IAI CHlNH IlfN
If •
5(!
12(285)
•
15/6/2009