{"id":4545,"date":"2011-12-05T16:05:10","date_gmt":"2011-12-05T09:05:10","guid":{"rendered":"https:\/\/khudothilideco.com.vn\/demo\/?p=4545"},"modified":"2021-06-11T16:07:45","modified_gmt":"2021-06-11T09:07:45","slug":"doanh-nghiep-bat-dong-san-va-ngan-hang-cung-go-thanh-khoan","status":"publish","type":"post","link":"https:\/\/lideco.vn\/en\/doanh-nghiep-bat-dong-san-va-ngan-hang-cung-go-thanh-khoan\/","title":{"rendered":"Doanh nghi\u1ec7p b\u1ea5t \u0111\u1ed9ng s\u1ea3n v\u00e0 ng\u00e2n h\u00e0ng c\u00f9ng g\u1ee1 thanh kho\u1ea3n"},"content":{"rendered":"

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\"doanh<\/h2>\n

Kh\u00f3 kh\u0103n v\u1ec1 v\u1ed1n tr\u00ean th\u1ecb tr\u01b0\u1eddng b\u1ea5t \u0111\u1ed9ng s\u1ea3n ch\u01b0a h\u1ec1 thuy\u00ean gi\u1ea3m v\u00e0o nh\u1eefng th\u00e1ng cu\u1ed1i n\u0103m, ngay c\u1ea3 khi ng\u00e2n h\u00e0ng Nh\u00e0 n\u01b0\u1edbc (NHNN) \u0111\u00e3 c\u00f3 nh\u1eefng \u0111\u1ed9ng th\u00e1i n\u1edbi l\u1ecfng van t\u00edn d\u1ee5ng cho l\u0129nh v\u1ef1c n\u00e0y.<\/h2>\n
\u1ed1i v\u1edbi nhi\u1ec1u doanh nghi\u1ec7p b\u1ea5t \u0111\u1ed9ng s\u1ea3n hi\u1ec7n nay, ti\u1ec1n m\u1eb7t d\u01b0\u1eddng nh\u01b0 \u0111ang tr\u1edf th\u00e0nh m\u1ed9t t\u00e0i s\u1ea3n xa x\u1ec9. Trong khi \u0111\u00f3, c\u0169ng v\u1edbi \u00e1p l\u1ef1c thanh kho\u1ea3n, vi\u1ec7c mua b\u00e1n n\u1ee3 b\u1ea5t \u0111\u1ed9ng s\u1ea3n gi\u1eefa c\u00e1c ng\u00e2n h\u00e0ng th\u01b0\u01a1ng m\u1ea1i (NHTM) nh\u1ecf cho ng\u00e2n h\u00e0ng l\u1edbn s\u1ebd di\u1ec5n ra. \u0110\u1ed9ng th\u00e1i n\u00e0y c\u00f3 nh\u01b0 m\u1ed9t m\u0169i t\u00ean tr\u00fang hai \u0111\u00edch?
\nThi\u1ebfu ti\u1ec1n m\u1eb7t<\/p>\n

Kh\u00f4ng kh\u00f3 \u0111\u1ec3 nh\u1eadn th\u1ea5y l\u00e0 c\u00f3 nhi\u1ec1u c\u00e1c doanh nghi\u1ec7p \u0111ang ni\u00eam y\u1ebft tr\u00ean s\u00e0n ch\u1ee9ng kho\u00e1n r\u01a1i v\u00e0o c\u1ea3nh thi\u1ebfu thanh kho\u1ea3n. Ngay c\u1ea3 \u0111\u1ed1i v\u1edbi nh\u00f3m doanh nghi\u1ec7p b\u00e1o c\u00e1o l\u00e3i c\u0169ng kh\u00f4ng c\u00f3 ti\u1ec1n m\u1eb7t \u0111\u1ec3 thanh to\u00e1n c\u1ed5 t\u1ee9c, ph\u1ea3i xin gia h\u1ea1n th\u1eddi gian tr\u1ea3 c\u1ed5 t\u1ee9c nhi\u1ec1u l\u1ea7n nh\u01b0 SD3, DXG, SIC, S64. Nhi\u1ec1u doanh nghi\u1ec7p kh\u00e1c \u0111\u00e3 ph\u1ea3i ch\u1ea5p nh\u1eadn b\u00e1n l\u1ed7 c\u1ed5 phi\u1ebfu qu\u1ef9 v\u00ec thi\u1ebfu v\u1ed1n nh\u01b0 SDH v\u00e0 NDN. Tuy nhi\u00ean, v\u1edbi \u0111\u1eb7c \u0111i\u1ec3m kinh doanh kh\u00e1c nhau n\u00ean m\u1ee9c \u0111\u1ed9 c\u0103ng th\u1eb3ng thanh kho\u1ea3n ph\u1ea3i g\u00e1nh ch\u1ecbu gi\u1eefa c\u00e1c doanh nghi\u1ec7p c\u0169ng kh\u00e1c nhau. Nh\u1eefng doanh nghi\u1ec7p c\u00f3 \u0111\u01b0\u1ee3c ngu\u1ed3n ti\u1ec1n l\u1edbn t\u1eeb ng\u01b0\u1eddi mua h\u00e0ng trong khi vay n\u1ee3 ng\u00e2n h\u00e0ng r\u1ea5t \u00edt th\u00ec t\u00ecnh tr\u1ea1ng kh\u00f3 kh\u0103n v\u1ec1 t\u00e0i ch\u00ednh kh\u00f4ng qu\u00e1 l\u1edbn, nh\u01b0 HAG v\u00e0 NTL. Nh\u01b0ng nh\u1eefng doanh nghi\u1ec7p ph\u1ea3i vay n\u1ee3 ng\u00e2n h\u00e0ng l\u1edbn \u0111\u1ec3 th\u1ef1c hi\u1ec7n c\u00e1c d\u1ef1 \u00e1n trong khi ngu\u1ed3n v\u1ed1n g\u00f3p c\u1ee7a kh\u00e1ch h\u00e0ng kh\u00f4ng nhi\u1ec1u, h\u00e0ng t\u1ed3n kho v\u00e0 kho\u1ea3n ph\u1ea3i thu qu\u00e1 l\u1edbn th\u00ec c\u00e2u chuy\u1ec7n c\u1ea3i thi\u1ec7n thanh kho\u1ea3n v\u1eabn l\u00e0 m\u1ed9t b\u00e0i to\u00e1n kh\u00f4ng d\u1ec5 t\u00ecm c\u00e2u tr\u1ea3 l\u1eddi v\u00e0o th\u1eddi \u0111i\u1ec3m hi\u1ec7n t\u1ea1i.<\/p>\n

Ch\u1ec9 s\u1ed1 quan tr\u1ecdng nh\u1ea5t l\u00fac n\u00e0y \u0111\u1ec3 \u0111\u00e1nh gi\u00e1 t\u00ecnh h\u00ecnh t\u00e0i ch\u00ednh c\u1ee7a c\u00e1c doanh nghi\u1ec7p b\u1ea5t \u0111\u1ed9ng s\u1ea3n ch\u00ednh l\u00e0 \u201cch\u1ec9 s\u1ed1 ti\u1ec1n m\u1eb7t\u201d \u0111\u01b0\u1ee3c x\u00e1c \u0111\u1ecbnh b\u1eb1ng t\u1ef7 l\u1ec7 ti\u1ec1n m\u1eb7t v\u00e0 c\u00e1c kho\u1ea3n t\u01b0\u01a1ng \u0111\u01b0\u01a1ng ti\u1ec1n tr\u00ean n\u1ee3 ng\u1eafn h\u1ea1n. Kh\u00f4ng ch\u1ec9 c\u00f3 nh\u1eefng doanh nghi\u1ec7p b\u1ea5t \u0111\u1ed9ng s\u1ea3n nh\u1ecf c\u00f3 t\u1ef7 l\u1ec7 n\u00e0y r\u1ea5t th\u1ea5p nh\u01b0 c\u00f4ng ty c\u1ed5 ph\u1ea7n (CTCP) S\u00f4ng \u0110\u00e0 Th\u0103ng Long STL (1,98%), CTCP x\u00e2y d\u1ef1ng v\u00e0 ph\u00e1t tri\u1ec3n \u0111\u00f4 th\u1ecb t\u1ec9nh B\u00e0 R\u1ecba \u2013 V\u0169ng T\u00e0u UDC (2,14%), CTCP ph\u00e1t tri\u1ec3n \u0111\u00f4 th\u1ecb c\u00f4ng nghi\u1ec7p s\u1ed1 2 D2D (3,74%), CTCP \u0111\u1ecba \u1ed1c d\u1ea7u kh\u00ed PVL (5,40%)\u2026, m\u00e0 ngay c\u1ea3 \u0111\u1ebfn nh\u1eefng \u0111\u1ea1i gia b\u1ea5t \u0111\u1ed9ng s\u1ea3n nh\u01b0 Qu\u1ed1c C\u01b0\u1eddng Gia Lai (QCG), Sudico (SJS), Ph\u00e1t \u0110\u1ea1t (PDR), v\u00e0 Vincom (VIC), t\u1ef7 l\u1ec7 n\u00e0y c\u0169ng ch\u1ec9 l\u1ea7n l\u01b0\u1ee3t \u1edf m\u1ee9c 1,24%, 2,89%, 3,88% v\u00e0 5,47%. C\u00e1c t\u1ef7 l\u1ec7 n\u00e0y r\u00f5 r\u00e0ng l\u00e0 th\u1ea5p h\u01a1n r\u1ea5t nhi\u1ec1u so v\u1edbi nh\u1eefng doanh nghi\u1ec7p kh\u00e1c nh\u01b0 Ho\u00e0ng Anh Gia Lai (43,80%) hay Nh\u00e0 T\u1eeb Li\u00eam (46,70%).<\/p>\n\n\n\n
Ch\u1ec9 s\u1ed1 quan tr\u1ecdng nh\u1ea5t l\u00fac n\u00e0y \u0111\u1ec3 \u0111\u00e1nh gi\u00e1 t\u00ecnh h\u00ecnh t\u00e0i ch\u00ednh c\u1ee7a c\u00e1c doanh nghi\u1ec7p b\u1ea5t \u0111\u1ed9ng s\u1ea3n ch\u00ednh l\u00e0 \u201cch\u1ec9 s\u1ed1 ti\u1ec1n m\u1eb7t\u201d, \u0111\u01b0\u1ee3c x\u00e1c \u0111\u1ecbnh b\u1eb1ng t\u1ef7 l\u1ec7 ti\u1ec1n m\u1eb7t v\u00e0 c\u00e1c kho\u1ea3n t\u01b0\u01a1ng \u0111\u01b0\u01a1ng ti\u1ec1n tr\u00ean n\u1ee3 ng\u1eafn h\u1ea1n.<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n

T\u00ecm c\u00e1ch b\u00e1n t\u00e0i s\u1ea3n<\/p>\n

V\u1edbi t\u1ef7 l\u1ec7 ti\u1ec1n m\u1eb7t th\u1ea5p nh\u01b0 tr\u00ean th\u00ec trong th\u1eddi gian t\u1edbi, do s\u1ee9c \u00e9p tr\u1ea3 n\u1ee3 g\u1ed1c v\u00e0 n\u1ee3 l\u00e3i ng\u00e0y m\u1ed9t l\u1edbn d\u1ea7n, c\u00e1c doanh nghi\u1ec7p b\u1ea5t \u0111\u1ed9ng s\u1ea3n v\u1eabn ti\u1ebfp t\u1ee5c \u0111\u00f3i v\u1ed1n. Kh\u1ea3 n\u0103ng vay \u0111\u01b0\u1ee3c t\u1eeb ng\u00e2n h\u00e0ng s\u1ebd l\u00e0 kh\u00f4ng nhi\u1ec1u, m\u1ed9t ph\u1ea7n v\u00ec t\u1ef7 l\u1ec7 cho vay phi s\u1ea3n xu\u1ea5t c\u1ee7a c\u00e1c NHTM (ch\u1ee7 y\u1ebfu l\u00e0 b\u1ea5t \u0111\u1ed9ng s\u1ea3n v\u00e0 ch\u1ee9ng kho\u00e1n) s\u1ebd bu\u1ed9c ph\u1ea3i \u0111\u01b0a v\u1ec1 m\u1ee9c 16% so v\u1edbi t\u1ed5ng d\u01b0 n\u1ee3 t\u00ednh \u0111\u1ebfn cu\u1ed1i th\u00e1ng 12.2011, m\u1ed9t ph\u1ea7n kh\u00e1c v\u00ec nhi\u1ec1u NHTM nh\u1ecf c\u0169ng \u1edf trong t\u00ecnh tr\u1ea1ng m\u1ea5t thanh kho\u1ea3n. Theo th\u1ed1ng k\u00ea c\u1ee7a NHNN, t\u00ednh \u0111\u1ebfn 24.11.2011 th\u00ec c\u00f3 \u0111\u1ebfn 69% giao d\u1ecbch li\u00ean ng\u00e2n h\u00e0ng b\u1eb1ng VND t\u1eadp trung \u1edf k\u1ef3 h\u1ea1n qua \u0111\u00eam v\u00e0 1 tu\u1ea7n. L\u00e3i su\u1ea5t ng\u1eafn h\u1ea1n c\u00f3 xu h\u01b0\u1edbng gi\u1ea3m nh\u1eb9 song v\u1eabn \u1edf m\u1ee9c cao, l\u00e3i su\u1ea5t k\u1ef3 h\u1ea1n m\u1ed9t th\u00e1ng dao \u0111\u1ed9ng t\u1eeb 16 \u2013 19%\/n\u0103m.<\/p>\n

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Khi c\u00e1c NHTM mua b\u00e1n n\u1ee3 b\u1ea5t \u0111\u1ed9ng s\u1ea3n, NHTM c\u00f3 th\u1ec3 gi\u1ea3m t\u1ef7 l\u1ec7 d\u01b0 n\u1ee3 b\u1ea5t \u0111\u1ed9ng s\u1ea3n v\u1ec1 m\u1ee9c c\u1ea7n thi\u1ebft, do v\u1eady c\u00f3 th\u1ec3 t\u00e0i tr\u1ee3 cho doanh nghi\u1ec7p b\u1ea5t \u0111\u1ed9ng s\u1ea3n; trong khi doanh nghi\u1ec7p b\u1ea5t \u0111\u1ed9ng s\u1ea3n kh\u00f4ng ph\u1ea3i b\u00e1n t\u00e0i s\u1ea3n \u0111\u1ec3 tr\u1ea3 n\u1ee3 NHTM.\u00a0<\/span>\u1ea2nh: L.Q.N<\/span><\/div>\n<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n

M\u1eb7c d\u00f9 \u0111\u00e3 c\u00f3 \u0111\u1ed9ng th\u00e1i n\u1edbi l\u1ecfng cho vay b\u1ea5t \u0111\u1ed9ng s\u1ea3n t\u1eeb ph\u00eda NHNN th\u00f4ng qua vi\u1ec7c ng\u01b0\u1eddi d\u00e2n c\u00f3 th\u1ec3 vay ti\u1ec1n d\u01b0\u1edbi h\u00ecnh th\u1ee9c ti\u00eau d\u00f9ng \u0111\u1ec3 mua nh\u00e0, nh\u01b0ng th\u1ecb tr\u01b0\u1eddng b\u1ea5t \u0111\u1ed9ng s\u1ea3n v\u1eabn \u201cb\u1ea5t \u0111\u1ed9ng\u201d tr\u01b0\u1edbc th\u00f4ng tin tr\u00ean. Ch\u1ec9 c\u00f3 m\u1ed9t v\u00e0i NHTM m\u1edf c\u1eeda v\u1edbi ng\u01b0\u1eddi ti\u00eau d\u00f9ng, ch\u1eb3ng h\u1ea1n OceanBank v\u00e0 ABBank. L\u00e3i su\u1ea5t th\u1ef1c cho vay b\u1ea5t \u0111\u1ed9ng s\u1ea3n v\u1eabn qu\u00e1 cao, trong kho\u1ea3ng 19 \u2013 20%\/n\u0103m. \u0110\u00e2y l\u00e0 m\u1ed9t m\u1ee9c kh\u00f4ng h\u1ea5p d\u1eabn v\u1edbi c\u1ea3 c\u00e1 nh\u00e2n v\u00e0 c\u00e1c doanh nghi\u1ec7p mu\u1ed1n tri\u1ec3n khai c\u00e1c d\u1ef1 \u00e1n nh\u00e0 \u1edf x\u00e3 h\u1ed9i.<\/p>\n

Trong t\u00ecnh tr\u1ea1ng \u0111\u00f3i v\u1ed1n v\u00e0 kh\u00f4ng th\u1ec3 vay th\u00eam t\u1eeb c\u00e1c NHTM, ch\u1eafc ch\u1eafn c\u00e1c doanh nghi\u1ec7p b\u1ea5t \u0111\u1ed9ng s\u1ea3n s\u1ebd ph\u1ea3i t\u00ecm ngu\u1ed3n t\u1eeb b\u00ean ngo\u00e0i. Tuy nhi\u00ean, v\u1edbi b\u1ed1i c\u1ea3nh v\u0129 m\u00f4 nh\u01b0 hi\u1ec7n t\u1ea1i th\u00ec c\u00e1c k\u00eanh huy \u0111\u1ed9ng v\u1ed1n t\u1eeb th\u1ecb tr\u01b0\u1eddng ch\u1ee9ng kho\u00e1n hay huy \u0111\u1ed9ng v\u1ed1n g\u00f3p c\u1ee7a ng\u01b0\u1eddi mua tr\u1ea3 ti\u1ec1n tr\u01b0\u1edbc s\u1ebd r\u1ea5t kh\u00f3 kh\u0103n. Do v\u1eady, h\u00ecnh th\u1ee9c b\u00e1n b\u1edbt c\u00e1c t\u00e0i s\u1ea3n b\u1ea5t \u0111\u1ed9ng s\u1ea3n tr\u1edf th\u00e0nh gi\u1ea3i ph\u00e1p m\u00e0 c\u00e1c doanh nghi\u1ec7p kinh doanh b\u1ea5t \u0111\u1ed9ng s\u1ea3n bu\u1ed9c ph\u1ea3i t\u00ednh \u0111\u1ebfn.<\/p>\n

B\u00e1n b\u1edbt c\u00e1c t\u00e0i s\u1ea3n b\u1ea5t \u0111\u1ed9ng s\u1ea3n l\u00e0 l\u1ef1a ch\u1ecdn h\u1ee3p l\u00fd, nh\u01b0ng v\u1edbi t\u00ecnh tr\u1ea1ng th\u1ecb tr\u01b0\u1eddng b\u1ea5t \u0111\u1ed9ng s\u1ea3n \u0111\u00f3ng b\u0103ng nh\u01b0 hi\u1ec7n t\u1ea1i th\u00ec vi\u1ec7c n\u00e0y kh\u00f4ng d\u1ec5 d\u00e0ng. V\u00ec v\u1eady, c\u00e1c doanh nghi\u1ec7p b\u1ea5t \u0111\u1ed9ng s\u1ea3n ph\u1ea3i ch\u1ecdn l\u1ef1a ho\u1eb7c b\u00e1n nh\u1eefng t\u00e0i s\u1ea3n b\u1ea5t \u0111\u1ed9ng s\u1ea3n c\u00f3 t\u00ednh thanh kho\u1ea3n t\u1ed1t \u0111\u1ec3 c\u00f3 v\u1ed1n theo \u0111u\u1ed5i c\u00e1c d\u1ef1 \u00e1n kh\u00e1c (\u0111\u00e2y l\u00e0 gi\u1ea3i ph\u00e1p m\u00e0 t\u1eadp \u0111o\u00e0n Vingroup \u0111\u00e3 ch\u1ecdn khi chuy\u1ec3n nh\u01b0\u1ee3ng th\u00e1p B Vincom cho Techcombank) ho\u1eb7c b\u00e1n v\u1edbi m\u1ee9c gi\u00e1 \u0111\u1ee7 th\u1ea5p so v\u1edbi m\u1eb7t b\u1eb1ng chung c\u1ee7a th\u1ecb tr\u01b0\u1eddng \u0111\u1ec3 ph\u00f9 h\u1ee3p v\u1edbi t\u00fai ti\u1ec1n c\u1ee7a ng\u01b0\u1eddi c\u00f3 nhu c\u1ea7u th\u1ef1c s\u1ef1 (nh\u01b0 c\u00f4ng ty \u0110\u1ea5t Xanh ch\u00e0o b\u00e1n c\u0103n h\u1ed9 Dream Town (17,8 tri\u1ec7u \u0111\u1ed3ng\/m2<\/sup>), d\u1ef1 \u00e1n T\u00e2n Vi\u1ec7t v\u1edbi m\u1ee9c gi\u00e1 kho\u1ea3ng 15 tri\u1ec7u \u0111\u1ed3ng\/m2<\/sup>, hay \u0110\u1ecba \u1ed1c d\u1ea7u kh\u00ed (PVL) ch\u00e0o b\u00e1n c\u0103n h\u1ed9 d\u1ef1 \u00e1n PetroLandmark v\u1edbi m\u1ee9c gi\u00e1 t\u1eeb 15,5 tri\u1ec7u \u0111\u1ed3ng\/m2<\/sup>.<\/p>\n

\u0110\u1ea9y m\u1ea1nh vi\u1ec7c b\u00e1n h\u00e0ng s\u1ebd gi\u00fap doanh nghi\u1ec7p b\u1ea5t \u0111\u1ed9ng s\u1ea3n gi\u1ea3m b\u1edbt l\u01b0\u1ee3ng h\u00e0ng t\u1ed3n kho l\u1edbn v\u00e0 qua \u0111\u00f3, gi\u1ea3m b\u1edbt \u00e1p l\u1ef1c tr\u1ea3 n\u1ee3 l\u00e3i vay ng\u00e2n h\u00e0ng. Nh\u01b0 v\u1eady, d\u00f2ng ti\u1ec1n c\u00f3 th\u1ec3 s\u1edbm quay tr\u1edf l\u1ea1i h\u1ec7 th\u1ed1ng ng\u00e2n h\u00e0ng h\u01a1n v\u00e0 t\u00ecnh tr\u1ea1ng n\u1ee3 qu\u00e1 h\u1ea1n c\u0169ng nh\u01b0 n\u1ee3 x\u1ea5u s\u1ebd t\u0103ng ch\u1eadm h\u01a1n. Tuy nhi\u00ean, vi\u1ec7c \u0111\u1ea9y m\u1ea1nh b\u00e1n h\u00e0ng th\u00f4i l\u00e0 ch\u01b0a \u0111\u1ee7. Doanh nghi\u1ec7p b\u1ea5t \u0111\u1ed9ng s\u1ea3n c\u0169ng ph\u1ea3i t\u00ecm c\u00e1ch gi\u1ea3m m\u1ea1nh c\u00e1c kho\u1ea3n ph\u1ea3i thu c\u1ee7a m\u00ecnh. Do v\u1eady, nh\u1eefng d\u1ef1 \u00e1n b\u00e1n gi\u00e1 th\u1ea5p th\u01b0\u1eddng y\u00eau c\u1ea7u ng\u01b0\u1eddi mua tr\u1ea3 ti\u1ec1n lu\u00f4n. C\u00f3 nh\u01b0 v\u1eady, t\u00ecnh tr\u1ea1ng t\u00e0i ch\u00ednh c\u1ee7a c\u00e1c doanh nghi\u1ec7p n\u00e0y m\u1edbi gi\u1ea3m b\u1edbt kh\u00f3 kh\u0103n.<\/p>\n\n\n\n
Khi c\u00e1c NHTM mua b\u00e1n n\u1ee3 b\u1ea5t \u0111\u1ed9ng s\u1ea3n, th\u1ecb tr\u01b0\u1eddng \u0111\u1ea1t \u0111\u01b0\u1ee3c hai m\u1ee5c ti\u00eau. C\u00e1c NHTM c\u00f3 th\u1ec3 gi\u1ea3m t\u1ef7 l\u1ec7 d\u01b0 n\u1ee3 b\u1ea5t \u0111\u1ed9ng s\u1ea3n v\u1ec1 m\u1ee9c c\u1ea7n thi\u1ebft, v\u00e0 do v\u1eady, v\u1eabn c\u00f3 th\u1ec3 t\u00e0i tr\u1ee3 cho c\u00e1c doanh nghi\u1ec7p b\u1ea5t \u0111\u1ed9ng s\u1ea3n; trong khi c\u00e1c doanh nghi\u1ec7p b\u1ea5t \u0111\u1ed9ng s\u1ea3n kh\u00f4ng ph\u1ea3i b\u00e1n t\u00e0i s\u1ea3n c\u1ee7a m\u00ecnh \u0111\u1ec3 tr\u1ea3 n\u1ee3 c\u00e1c NHTM.<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n

Mua b\u00e1n n\u1ee3: m\u1ed9t m\u0169i t\u00ean tr\u00fang hai \u0111\u00edch?<\/p>\n

B\u1eaft bu\u1ed9c ph\u1ea3i gi\u1ea3m t\u1ef7 l\u1ec7 n\u1ee3 phi s\u1ea3n xu\u1ea5t v\u1ec1 m\u1ee9c quy \u0111\u1ecbnh (16% so v\u1edbi t\u1ed5ng d\u01b0 n\u1ee3) \u0111\u00e3 t\u1ea1o ra m\u1ed9t t\u00ecnh tr\u1ea1ng r\u1ea5t kh\u00e1c bi\u1ec7t gi\u1eefa c\u00e1c ng\u00e2n h\u00e0ng. Nhi\u1ec1u NHTM th\u1eeba \u201croom\u201d (ch\u1ec9 ti\u00eau t\u0103ng tr\u01b0\u1edfng t\u00edn d\u1ee5ng l\u0129nh v\u1ef1c n\u00e0y) nh\u01b0ng l\u1ea1i thi\u1ebfu v\u1ed1n, trong khi nhi\u1ec1u ng\u00e2n h\u00e0ng kh\u00e1c l\u1ea1i th\u1eeba v\u1ed1n nh\u01b0ng l\u1ea1i thi\u1ebfu \u201croom\u201d. Nh\u1eefng NHTM thi\u1ebfu \u201croom\u201d s\u1ebd bu\u1ed9c ph\u1ea3i thu n\u1ee3 v\u1ec1 khi th\u1eddi h\u1ea1n 31.12.2011 \u0111ang t\u1edbi g\u1ea7n. H\u00e0nh \u0111\u1ed9ng n\u00e0y bu\u1ed9c c\u00e1c doanh nghi\u1ec7p b\u1ea5t \u0111\u1ed9ng s\u1ea3n ph\u1ea3i b\u00e1n b\u1edbt b\u1ea5t \u0111\u1ed9ng s\u1ea3n \u0111\u1ec3 t\u1ea5t to\u00e1n c\u00e1c kho\u1ea3n vay cho NHTM.<\/p>\n

Tuy nhi\u00ean, n\u1ebfu c\u00e1c NHTM c\u00f3 th\u1ec3 trao \u0111\u1ed5i v\u1edbi nhau t\u00ecnh tr\u1ea1ng th\u1eeba thi\u1ebfu th\u00ec m\u1ecdi vi\u1ec7c s\u1ebd tr\u1edf n\u00ean d\u1ec5 d\u00e0ng h\u01a1n. Trong b\u1ed1i c\u1ea3nh hi\u1ec7n t\u1ea1i, nhi\u1ec1u NHTM nh\u1ecf ph\u1ea3i vay v\u1ed1n t\u1eeb ph\u00eda c\u00e1c NHTM l\u1edbn tr\u00ean th\u1ecb tr\u01b0\u1eddng li\u00ean ng\u00e2n h\u00e0ng. Nh\u1eefng NHTM nh\u1ecf th\u01b0\u1eddng ph\u1ea3i th\u1ebf ch\u1ea5p c\u00e1c t\u00e0i s\u1ea3n \u0111\u1ec3 c\u00f3 th\u1ec3 vay v\u1ed1n t\u1eeb c\u00e1c NHTM l\u1edbn. \u0110\u1ec3 tr\u00e1nh t\u00ecnh tr\u1ea1ng b\u00e1n th\u00e1o b\u1ea5t \u0111\u1ed9ng s\u1ea3n nh\u1eb1m m\u1ee5c \u0111\u00edch tr\u1ea3 n\u1ee3 di\u1ec5n ra, c\u00e1c NHTM nh\u1ecf c\u00f3 th\u1ec3 s\u1ebd ph\u1ea3i s\u1eed d\u1ee5ng c\u00e1c h\u1ed3 s\u01a1 t\u00edn d\u1ee5ng b\u1ea5t \u0111\u1ed9ng s\u1ea3n c\u1ee7a kh\u00e1ch h\u00e0ng l\u00e0m t\u00e0i s\u1ea3n \u0111\u1ea3m b\u1ea3o cho c\u00e1c NHTM l\u1edbn \u0111\u1ec3 vay ti\u1ec1n tr\u00ean th\u1ecb tr\u01b0\u1eddng li\u00ean ng\u00e2n h\u00e0ng. Trong tr\u01b0\u1eddng h\u1ee3p c\u00e1c NHTM nh\u1ecf kh\u00f4ng th\u1ec3 tr\u1ea3 \u0111\u01b0\u1ee3c c\u00e1c kho\u1ea3n vay tr\u00ean th\u1ecb tr\u01b0\u1eddng li\u00ean ng\u00e2n h\u00e0ng \u0111\u00fang h\u1ea1n, h\u1ecd s\u1ebd bu\u1ed9c b\u00e1n l\u1ea1i c\u00e1c kho\u1ea3n n\u1ee3 c\u1ee7a kh\u00e1ch h\u00e0ng cho NHTM l\u1edbn. Nh\u01b0 \u00f4ng Nguy\u1ec5n Ph\u01b0\u1edbc Thanh, t\u1ed5ng gi\u00e1m \u0111\u1ed1c Vietcombank ti\u1ebft l\u1ed9 v\u1edbi ph\u00f3ng vi\u00ean S\u00e0i G\u00f2n Ti\u1ebfp Th\u1ecb ng\u00e0y 2.12.2011: \u201cCho vay c\u00f3 th\u1ebf ch\u1ea5p c\u0169ng l\u00e0 m\u1ed9t c\u00e1ch \u0111\u1ec3 sau n\u00e0y t\u00f4i mua n\u1ee3 c\u1ee7a ng\u00e2n h\u00e0ng vay n\u1ebfu h\u1ecd kh\u00f4ng tr\u1ea3 n\u1ee3 \u0111\u01b0\u1ee3c. N\u1ebfu t\u00e0i s\u1ea3n th\u1ebf ch\u1ea5p l\u00e0 c\u1ee7a kh\u00e1ch h\u00e0ng doanh nghi\u1ec7p c\u1ee7a ng\u00e2n h\u00e0ng vay n\u1ee3, th\u00ec kh\u00e1ch h\u00e0ng \u0111\u00f3 s\u1ebd tr\u1edf th\u00e0nh kh\u00e1ch h\u00e0ng c\u1ee7a Vietcombank.\u201d<\/p>\n

N\u00f3i c\u00e1ch kh\u00e1c, vi\u1ec7c mua b\u00e1n n\u1ee3 gi\u1eefa c\u00e1c NHTM, n\u1ebfu c\u00f3 x\u1ea3y ra, s\u1ebd khi\u1ebfn cho m\u1ed9t s\u1ed1 NHTM nh\u1ecf m\u1ea5t kh\u00e1ch h\u00e0ng tuy nhi\u00ean th\u1ecb tr\u01b0\u1eddng l\u1ea1i \u0111\u1ea1t \u0111\u01b0\u1ee3c hai m\u1ee5c ti\u00eau. \u0110\u00f3 l\u00e0 c\u00e1c NHTM c\u00f3 th\u1ec3 gi\u1ea3m t\u1ef7 l\u1ec7 d\u01b0 n\u1ee3 b\u1ea5t \u0111\u1ed9ng s\u1ea3n v\u1ec1 m\u1ee9c c\u1ea7n thi\u1ebft, v\u00e0 do v\u1eady, v\u1eabn c\u00f3 th\u1ec3 t\u00e0i tr\u1ee3 cho c\u00e1c doanh nghi\u1ec7p b\u1ea5t \u0111\u1ed9ng s\u1ea3n; trong khi c\u00e1c doanh nghi\u1ec7p b\u1ea5t \u0111\u1ed9ng s\u1ea3n kh\u00f4ng ph\u1ea3i b\u00e1n t\u00e0i s\u1ea3n c\u1ee7a m\u00ecnh \u0111\u1ec3 tr\u1ea3 n\u1ee3 c\u00e1c NHTM.<\/p>\n

Theo\u00a0Nguy\u00ean Minh C\u01b0\u1eddng<\/p>\n

SGTT<\/p>\n

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<\/div>\n<\/td>\n<\/tr>\n<\/tbody>\n<\/table>","protected":false},"excerpt":{"rendered":"

  Kh\u00f3 kh\u0103n v\u1ec1 v\u1ed1n tr\u00ean th\u1ecb tr\u01b0\u1eddng b\u1ea5t \u0111\u1ed9ng s\u1ea3n ch\u01b0a h\u1ec1 thuy\u00ean gi\u1ea3m v\u00e0o nh\u1eefng th\u00e1ng cu\u1ed1i n\u0103m, ngay c\u1ea3 khi ng\u00e2n h\u00e0ng Nh\u00e0 n\u01b0\u1edbc (NHNN) \u0111\u00e3 c\u00f3 nh\u1eefng \u0111\u1ed9ng th\u00e1i n\u1edbi l\u1ecfng van t\u00edn d\u1ee5ng cho l\u0129nh v\u1ef1c n\u00e0y. \u1ed1i v\u1edbi nhi\u1ec1u doanh nghi\u1ec7p b\u1ea5t \u0111\u1ed9ng s\u1ea3n hi\u1ec7n nay, ti\u1ec1n m\u1eb7t d\u01b0\u1eddng […]<\/p>","protected":false},"author":1,"featured_media":4546,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":""},"categories":[29],"tags":[54],"acf":{"photo_gallery":{"anh_bo_sung":[[]]}},"_links":{"self":[{"href":"https:\/\/lideco.vn\/en\/wp-json\/wp\/v2\/posts\/4545"}],"collection":[{"href":"https:\/\/lideco.vn\/en\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/lideco.vn\/en\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/lideco.vn\/en\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/lideco.vn\/en\/wp-json\/wp\/v2\/comments?post=4545"}],"version-history":[{"count":0,"href":"https:\/\/lideco.vn\/en\/wp-json\/wp\/v2\/posts\/4545\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/lideco.vn\/en\/wp-json\/wp\/v2\/media\/4546"}],"wp:attachment":[{"href":"https:\/\/lideco.vn\/en\/wp-json\/wp\/v2\/media?parent=4545"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/lideco.vn\/en\/wp-json\/wp\/v2\/categories?post=4545"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/lideco.vn\/en\/wp-json\/wp\/v2\/tags?post=4545"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}