=== Classic Editor === Contributors: wordpressdotorg, azaozz, melchoyce, chanthaboune, alexislloyd, pento, youknowriad, desrosj, luciano-croce Tags: gutenberg, disable, disable gutenberg, editor, classic editor, block editor Requires at least: 4.9 Tested up to: 6.2 Stable tag: 1.6.3 Requires PHP: 5.2.4 License: GPLv2 or later License URI: http://www.gnu.org/licenses/gpl-2.0.html Enables the previous "classic" editor and the old-style Edit Post screen with TinyMCE, Meta Boxes, etc. Supports all plugins that extend this screen. == Description == Classic Editor is an official plugin maintained by the WordPress team that restores the previous ("classic") WordPress editor and the "Edit Post" screen. It makes it possible to use plugins that extend that screen, add old-style meta boxes, or otherwise depend on the previous editor. Classic Editor is an official WordPress plugin, and will be fully supported and maintained until 2024, or as long as is necessary. At a glance, this plugin adds the following: * Administrators can select the default editor for all users. * Administrators can allow users to change their default editor. * When allowed, the users can choose which editor to use for each post. * Each post opens in the last editor used regardless of who edited it last. This is important for maintaining a consistent experience when editing content. In addition, the Classic Editor plugin includes several filters that let other plugins control the settings, and the editor choice per post and per post type. By default, this plugin hides all functionality available in the new block editor ("Gutenberg"). == Changelog == = 1.6.3 = * Added some WPCS fixes, props NicktheGeek on GitHub. * Updated "Tested up to" in the readme and removed it from classic-editor.php. This should fix false positive errors in security plugins in the future. = 1.6.2 = * Fixed bug that was preventing saving of the last used editor. = 1.6.1 = * Fixed a warning on the block editor based widgets screen. * Fixed use of a deprecated filter. = 1.6 = * Updated for WordPress 5.5. * Fixed minor issues with calling deprecated functions, needlessly registering uninstall hook, and capitalization of some strings. = 1.5 = * Updated for WordPress 5.2 and Gutenberg 5.3. * Enhanced and fixed the "open posts in the last editor used to edit them" logic. * Fixed adding post state so it can easily be accessed from other plugins. = 1.4 = * On network installations removed the restriction for only network activation. * Added support for network administrators to choose the default network-wide editor. * Fixed the settings link in the warning on network About screen. * Properly added the "Switch to classic editor" menu item to the block editor menu. = 1.3 = * Fixed removal of the "Try Gutenberg" dashboard widget. * Fixed condition for displaying of the after upgrade notice on the "What's New" screen. Shown when the classic editor is selected and users cannot switch editors. = 1.2 = * Fixed switching editors from the Add New (post) screen before a draft post is saved. * Fixed typo that was appending the edit URL to the `classic-editor` query var. * Changed detecting of WordPress 5.0 to not use version check. Fixes a bug when testing 5.1-alpha. * Changed the default value of the option to allow users to switch editors to false. * Added disabling of the Gutenberg plugin and lowered the required WordPress version to 4.9. * Added `classic_editor_network_default_settings` filter. = 1.1 = Fixed a bug where it may attempt to load the block editor for post types that do not support editor when users are allowed to switch editors. = 1.0 = * Updated for WordPress 5.0. * Changed all "Gutenberg" names/references to "block editor". * Refreshed the settings UI. * Removed disabling of the Gutenberg plugin. This was added for testing in WordPress 4.9. Users who want to continue following the development of Gutenberg in WordPress 5.0 and beyond will not need another plugin to disable it. * Added support for per-user settings of default editor. * Added support for admins to set the default editor for the site. * Added support for admins to allow users to change their default editor. * Added support for network admins to prevent site admins from changing the default settings. * Added support to store the last editor used for each post and open it next time. Enabled when users can choose default editor. * Added "post editor state" in the listing of posts on the Posts screen. Shows the editor that will be opened for the post. Enabled when users can choose default editor. * Added `classic_editor_enabled_editors_for_post` and `classic_editor_enabled_editors_for_post_type` filters. Can be used by other plugins to control or override the editor used for a particular post of post type. * Added `classic_editor_plugin_settings` filter. Can be used by other plugins to override the settings and disable the settings UI. = 0.5 = * Updated for Gutenberg 4.1 and WordPress 5.0-beta1. * Removed some functionality that now exists in Gutenberg. * Fixed redirecting back to the classic editor after looking at post revisions. = 0.4 = * Fixed removing of the "Try Gutenberg" call-out when the Gutenberg plugin is not activated. * Fixed to always show the settings and the settings link in the plugins list table. * Updated the readme text. = 0.3 = * Updated the option from a checkbox to couple of radio buttons, seems clearer. Thanks to @designsimply for the label text suggestions. * Some general updates and cleanup. = 0.2 = * Update for Gutenberg 1.9. * Remove warning and automatic deactivation when Gutenberg is not active. = 0.1 = Initial release. == Frequently Asked Questions == = Default settings = When activated and when using a classic (non-block) theme, this plugin will restore the previous ("classic") WordPress editor and hide the new block editor ("Gutenberg"). These settings can be changed at the Settings => Writing screen. = Default settings for network installation = There are two options: * When network-activated and when using a classic (non-block) theme, this plugin will set the classic editor as default and prevent site administrators and users from changing editors. The settings can be changed and default network-wide editor can be selected on the Network Settings screen. * When not network-activated each site administrator will be able to activate the plugin and choose options for their users. = Cannot find the "Switch to classic editor" link = It is in the main block editor menu, see this [screenshot](https://ps.w.org/classic-editor/assets/screenshot-7.png?rev=2023480). = Does this work with full site editing and block themes? = No, as block themes rely on blocks. [See Block themes article](https://wordpress.org/support/article/block-themes/) for more information. == Screenshots == 1. Admin settings on the Settings -> Writing screen. 2. User settings on the Profile screen. Visible when the users are allowed to switch editors. 3. "Action links" to choose alternative editor. Visible when the users are allowed to switch editors. 4. Link to switch to the block editor while editing a post in the classic editor. Visible when the users are allowed to switch editors. 5. Link to switch to the classic editor while editing a post in the block editor. Visible when the users are allowed to switch editors. 6. Network settings to select the default editor for the network and allow site admins to change it. 7. The "Switch to classic editor" link. {"id":2393,"date":"2024-10-01T06:48:09","date_gmt":"2024-09-30T23:48:09","guid":{"rendered":"https:\/\/duan-nhadat.com\/2024\/10\/01\/dien-bien-trai-chieu-ve-du-phong-rui-ro-cho\/"},"modified":"2024-10-01T06:48:09","modified_gmt":"2024-09-30T23:48:09","slug":"dien-bien-trai-chieu-ve-du-phong-rui-ro-cho","status":"publish","type":"post","link":"https:\/\/duan-nhadat.com\/2024\/10\/01\/dien-bien-trai-chieu-ve-du-phong-rui-ro-cho\/","title":{"rendered":"Di\u1ec5n bi\u1ebfn tr\u00e1i chi\u1ec1u v\u1ec1 d\u1ef1 ph\u00f2ng r\u1ee7i ro cho"},"content":{"rendered":"

\"\"<\/p>\n

D\u1ef1 ph\u00f2ng r\u1ee7i ro cho vay kh\u00e1ch h\u00e0ng bi\u1ebfn \u0111\u1ed9ng tr\u00e1i chi\u1ec1u<\/h3>\n

Khi \u0111\u00e1nh gi\u00e1 m\u1ed9t kho\u1ea3n vay c\u00f3 th\u1ec3 kh\u00f4ng thu h\u1ed3i \u0111\u01b0\u1ee3c, \u1ea3nh h\u01b0\u1edfng \u0111\u1ebfn k\u1ebft qu\u1ea3 kinh doanh, c\u00e1c ng\u00e2n h\u00e0ng c\u00f3 gi\u1ea3i ph\u00e1p tr\u00edch l\u1eadp d\u1ef1 ph\u00f2ng r\u1ee7i ro. \u0110\u00f3 l\u00e0 h\u00ecnh th\u1ee9c ghi nh\u1eadn tr\u01b0\u1edbc m\u1ed9t kho\u1ea3n chi ph\u00ed c\u00f3 th\u1ec3 \u0111\u1ebfn trong t\u01b0\u01a1ng lai. M\u1eb7c d\u00f9 tr\u00edch l\u1eadp d\u1ef1 ph\u00f2ng r\u1ee7i ro s\u1ebd k\u00e9o t\u1ee5t l\u1ee3i nhu\u1eadn c\u1ee7a ng\u00e2n h\u00e0ng nh\u01b0ng \u0111\u00e2y l\u00e0 gi\u1ea3i ph\u00e1p quan tr\u1ecdng \u0111\u1ec3 ng\u00e2n h\u00e0ng t\u0103ng tr\u01b0\u1edfng m\u1ea1nh m\u1ebd v\u00e0 b\u1ec1n v\u1eefng trong t\u01b0\u01a1ng lai. C\u00e1c kho\u1ea3n d\u1ef1 ph\u00f2ng n\u00e0y c\u00f3 th\u1ec3 \u0111\u01b0\u1ee3c ho\u00e0n nh\u1eadp khi ng\u00e2n h\u00e0ng thu h\u1ed3i \u0111\u01b0\u1ee3c n\u1ee3 v\u00e0 chuy\u1ec3n th\u00e0nh l\u1ee3i nhu\u1eadn cho nh\u00e0 b\u0103ng.\u00a0<\/p>\n

T\u1ea1i 4 ng\u00e2n h\u00e0ng th\u01b0\u01a1ng m\u1ea1i nh\u00e0 n\u01b0\u1edbc (Big4 ng\u00e2n h\u00e0ng), g\u1ed3m: BIDV, VietinBank, Vietcombank v\u00e0 Agribank, kho\u1ea3n d\u1ef1 ph\u00f2ng r\u1ee7i ro cho vay c\u1ee7a 4 ng\u00e2n h\u00e0ng n\u00e0y c\u1ed9ng l\u1ea1i chi\u1ebfm \u0111\u1ebfn h\u01a1n n\u1eeda t\u1ed5ng m\u1ee9c d\u1ef1 ph\u00f2ng c\u1ee7a c\u1ea3 h\u1ec7 th\u1ed1ng ng\u00e2n h\u00e0ng Vi\u1ec7t.<\/p>\n

C\u1ee5 th\u1ec3, theo b\u00e1o c\u00e1o t\u00e0i ch\u00ednh H\u1ee3p nh\u1ea5t So\u00e1t x\u00e9t 6 th\u00e1ng \u0111\u1ea7u n\u0103m 2024, t\u00ednh \u0111\u1ebfn 30\/6\/2024, tr\u00edch l\u1eadp d\u1ef1 ph\u00f2ng r\u1ee7i ro cho vay kh\u00e1ch h\u00e0ng t\u1ea1i Vietcombank ghi nh\u1eadn h\u01a1n 34.883 t\u1ef7 \u0111\u1ed3ng, t\u0103ng 22% so v\u1edbi \u0111\u1ea7u n\u0103m, t\u01b0\u01a1ng \u0111\u01b0\u01a1ng t\u0103ng th\u00eam h\u01a1n 6.000 t\u1ef7 \u0111\u1ed3ng ch\u1ec9 trong 6 th\u00e1ng.<\/p>\n

\"du-phong-rui-ro-tai-vietcombank-vnf-vnfinance.vn\" Ngu\u1ed3n: B\u00e1o c\u00e1o t\u00e0i ch\u00ednh H\u1ee3p nh\u1ea5t So\u00e1t x\u00e9t 6 th\u00e1ng \u0111\u1ea7u n\u0103m 2024 t\u1ea1i Vietcombank. <\/p>\n

\u1ede chi\u1ec1u ng\u01b0\u1ee3c l\u1ea1i, tr\u00edch l\u1eadp d\u1ef1 ph\u00f2ng r\u1ee7i ro cho vay t\u1ea1i BIDV gi\u1ea3m nh\u1eb9 6% so v\u1edbi \u0111\u1ea7u n\u0103m, xu\u1ed1ng c\u00f2n 37.929 t\u1ef7 \u0111\u1ed3ng. T\u1ea1i Vietinbank con s\u1ed1 n\u00e0y d\u1eebng \u1edf m\u1ee9c 28.040 t\u1ef7 \u0111\u1ed3ng.<\/p>\n

T\u1ea1i b\u00e1o c\u00e1o t\u00e0i ch\u00ednh gi\u1eefa ni\u00ean \u0111\u1ed9 2024, d\u1ef1 ph\u00f2ng r\u1ee7i ro cho vay t\u1ea1i Agribank c\u0169ng c\u00f3 xu h\u01b0\u1edbng gi\u1ea3m 11% so v\u1edbi \u0111\u1ea7u n\u0103m, xu\u1ed1ng c\u00f2n h\u01a1n 33.465 t\u1ef7 \u0111\u1ed3ng.<\/p>\n

Nh\u01b0 v\u1eady, kho\u1ea3n d\u1ef1 ph\u00f2ng r\u1ee7i ro cho vay t\u1ea1i 4 \u00f4ng l\u1edbn n\u00e0y l\u00ean t\u1edbi 134.278 t\u1ef7 \u0111\u1ed3ng.<\/p>\n

\u1ede kh\u1ed1i ng\u00e2n h\u00e0ng t\u01b0 nh\u00e2n, m\u1ee9c tr\u00edch l\u1eadp d\u1ef1 ph\u00f2ng r\u1ee7i ro cho vay kh\u00e1ch h\u00e0ng t\u1ea1i m\u1ed9t s\u1ed1 ng\u00e2n h\u00e0ng c\u00f3 xu h\u01b0\u1edbng gi\u1ea3m nh\u1eb9. C\u1ee5 th\u1ec3, d\u1ef1 ph\u00f2ng r\u1ee7i ro cho vay t\u1ea1i MBBank ghi nh\u1eadn h\u01a1n 11.214 t\u1ef7 \u0111\u1ed3ng, ch\u1ec9 gi\u1ea3m nh\u1eb9 2% so v\u1edbi \u0111\u1ea7u n\u0103m. T\u1ea1i LPBank h\u01a1n 4.228 t\u1ef7 \u0111\u1ed3ng, gi\u1ea3m nh\u1eb9 5%.\u00a0<\/p>\n

Tuy nhi\u00ean, ph\u1ea7n l\u1edbn d\u1ef1 ph\u00f2ng r\u1ee7i ro cho vay kh\u00e1ch h\u00e0ng t\u0103ng \u1edf h\u1ea7u h\u1ebft c\u00e1c ng\u00e2n h\u00e0ng.<\/p>\n

\u0110\u01a1n c\u1eed t\u1ea1i ACB, t\u00ednh \u0111\u1ebfn 30\/6\/2024, s\u1ed1 d\u01b0 d\u1ef1 ph\u00f2ng r\u1ee7i ro cho vay h\u01a1n 6.319 t\u1ef7 \u0111\u1ed3ng, t\u0103ng 18% so v\u1edbi \u0111\u1ea7u n\u0103m. D\u1ef1 ph\u00f2ng r\u1ee7i ro t\u1ea1i VIB t\u0103ng 15% l\u00ean h\u01a1n 4.909 t\u1ef7 \u0111\u1ed3ng. T\u01b0\u01a1ng t\u1ef1, TPBank c\u0169ng t\u0103ng nh\u1eb9 8% l\u00ean h\u01a1n 2.902 t\u1ef7 \u0111\u1ed3ng.<\/p>\n

D\u1ef1 ph\u00f2ng r\u1ee7i ro cho vay t\u1ea1i NamABank t\u00ednh \u0111\u1ebfn 30\/6\/2024 h\u01a1n 1.895 t\u1ef7 \u0111\u1ed3ng, t\u0103ng 23% so v\u1edbi \u0111\u1ea7u n\u0103m. T\u1ea1i ng\u00e2n h\u00e0ng OCB t\u0103ng t\u1edbi 35%, l\u00ean h\u01a1n 2.600 t\u1ef7 \u0111\u1ed3ng. Ng\u00e2n h\u00e0ng MSB c\u0169ng t\u0103ng 27% so v\u1edbi \u0111\u1ea7u n\u0103m, \u0111\u1ea1t h\u01a1n 3.007 t\u1ef7 \u0111\u1ed3ng. Eximbank \u0111\u1ea1t h\u01a1n 1.599 t\u1ef7 \u0111\u1ed3ng, t\u0103ng nh\u1eb9 4%.\u00a0<\/p>\n

\"du-phong-rui-ro-tai-OCB-vnf- Ngu\u1ed3n: B\u00e1o c\u00e1o t\u00e0i ch\u00ednh H\u1ee3p nh\u1ea5t So\u00e1t x\u00e9t 6 th\u00e1ng \u0111\u1ea7u n\u0103m 2024 t\u1ea1i ng\u00e2n h\u00e0ng OCB. <\/p>\n

D\u1ef1 ph\u00f2ng r\u1ee7i ro cho vay t\u1ea1i c\u00e1c ng\u00e2n h\u00e0ng quy m\u00f4 nh\u1ecf h\u01a1n c\u0169ng ghi nh\u1eadn t\u0103ng tr\u01b0\u1edfng nh\u01b0 ABBank t\u00ednh \u0111\u1ebfn 30\/6\/2024 t\u0103ng nh\u1eb9 7% so v\u1edbi \u0111\u1ea7u n\u0103m, \u0111\u1ea1t g\u1ea7n 1.425 t\u1ef7 \u0111\u1ed3ng. VietABank t\u0103ng t\u1edbi 23% so v\u1edbi \u0111\u1ea7u n\u0103m, ghi nh\u1eadn h\u01a1n 918 t\u1ef7 \u0111\u1ed3ng. T\u1ea1i PGBank c\u0169ng t\u0103ng 15% so v\u1edbi \u0111\u1ea7u n\u0103m, ghi nh\u1eadn h\u01a1n 403 t\u1ef7 \u0111\u1ed3ng.<\/p>\n

C\u00f3 th\u1ec3 th\u1ea5y, trong 6 th\u00e1ng \u0111\u1ea7u n\u0103m 2024, d\u1ef1 ph\u00f2ng r\u1ee7i ro cho vay kh\u00e1ch h\u00e0ng t\u1ea1i c\u00e1c ng\u00e2n h\u00e0ng t\u0103ng h\u01a1n so v\u1edbi \u0111\u1ea7u n\u0103m, song m\u1ee9c t\u0103ng kh\u00f4ng \u0111\u00e1ng k\u1ec3.<\/p>\n

\u1ede m\u1ed9t di\u1ec5n bi\u1ebfn c\u00f3 li\u00ean quan, Ch\u00ednh ph\u1ee7 v\u1eeba ban h\u00e0nh Ngh\u1ecb \u0111\u1ecbnh s\u1ed1 86\/2024\/N\u0110-CP ng\u00e0y 11\/7\/2024 quy \u0111\u1ecbnh v\u1ec1 m\u1ee9c tr\u00edch, ph\u01b0\u01a1ng ph\u00e1p tr\u00edch l\u1eadp d\u1ef1 ph\u00f2ng r\u1ee7i ro, vi\u1ec7c s\u1eed d\u1ee5ng d\u1ef1 ph\u00f2ng \u0111\u1ec3 x\u1eed l\u00fd r\u1ee7i ro trong ho\u1ea1t \u0111\u1ed9ng c\u1ee7a t\u1ed5 ch\u1ee9c t\u00edn d\u1ee5ng, chi nh\u00e1nh ng\u00e2n h\u00e0ng n\u01b0\u1edbc ngo\u00e0i.<\/p>\n

\"du-phong-rui-ro-cho-vay-khach-hang-tai-cac-ngan-hang- Ngh\u1ecb \u0111\u1ecbnh s\u1ed1 86\/2024\/N\u0110-CP quy \u0111\u1ecbnh m\u1ee9c tr\u00edch l\u1eadp d\u1ef1 ph\u00f2ng r\u1ee7i ro c\u1ee7a t\u1ed5 ch\u1ee9c t\u00edn d\u1ee5ng. <\/p>\n

Ngh\u1ecb \u0111\u1ecbnh quy \u0111\u1ecbnh t\u1ef7 l\u1ec7 tr\u00edch l\u1eadp d\u1ef1 ph\u00f2ng c\u1ee5 th\u1ec3 \u0111\u1ed1i v\u1edbi n\u1ee3 \u0111\u01b0\u1ee3c ph\u00e2n lo\u1ea1i t\u1eeb n\u1ee3 nh\u00f3m 1 \u0111\u1ebfn n\u1ee3 nh\u00f3m 5 c\u1ee7a t\u1ed5 ch\u1ee9c t\u00edn d\u1ee5ng (tr\u1eeb t\u1ed5 ch\u1ee9c t\u00e0i ch\u00ednh vi m\u00f4), chi nh\u00e1nh ng\u00e2n h\u00e0ng n\u01b0\u1edbc ngo\u00e0i nh\u01b0 sau:<\/p>\n

Nh\u00f3m 1 (N\u1ee3 \u0111\u1ee7 ti\u00eau chu\u1ea9n): 0%; Nh\u00f3m 2 (N\u1ee3 c\u1ea7n ch\u00fa \u00fd): 5%; Nh\u00f3m 3 (N\u1ee3 d\u01b0\u1edbi ti\u00eau chu\u1ea9n): 20%; Nh\u00f3m 4 (N\u1ee3 nghi ng\u1edd): 50%; Nh\u00f3m 5 (N\u1ee3 c\u00f3 kh\u1ea3 n\u0103ng m\u1ea5t v\u1ed1n): 100%.<\/p>\n

T\u1ef7 l\u1ec7 tr\u00edch l\u1eadp d\u1ef1 ph\u00f2ng c\u1ee5 th\u1ec3 \u0111\u1ed1i v\u1edbi n\u1ee3 \u0111\u01b0\u1ee3c ph\u00e2n lo\u1ea1i t\u1eeb n\u1ee3 nh\u00f3m 1 \u0111\u1ebfn n\u1ee3 nh\u00f3m 5 c\u1ee7a t\u1ed5 ch\u1ee9c t\u00e0i ch\u00ednh vi m\u00f4 nh\u01b0 sau: Nh\u00f3m 1: 0%; Nh\u00f3m 2: 2%; Nh\u00f3m 3: 25%; Nh\u00f3m 4: 50%; Nh\u00f3m 5: 100%.<\/p>\n

V\u1ec1 m\u1ee9c tr\u00edch l\u1eadp d\u1ef1 ph\u00f2ng chung, Ngh\u1ecb \u0111\u1ecbnh quy \u0111\u1ecbnh \u0111\u1ed1i v\u1edbi t\u1ed5 ch\u1ee9c t\u00edn d\u1ee5ng (tr\u1eeb t\u1ed5 ch\u1ee9c t\u00e0i ch\u00ednh vi m\u00f4), chi nh\u00e1nh ng\u00e2n h\u00e0ng n\u01b0\u1edbc ngo\u00e0i, s\u1ed1 ti\u1ec1n d\u1ef1 ph\u00f2ng chung ph\u1ea3i tr\u00edch \u0111\u01b0\u1ee3c x\u00e1c \u0111\u1ecbnh b\u1eb1ng 0,75% t\u1ed5ng s\u1ed1 d\u01b0 c\u00e1c kho\u1ea3n n\u1ee3 \u0111\u01b0\u1ee3c ph\u00e2n lo\u1ea1i t\u1eeb n\u1ee3 nh\u00f3m 1 \u0111\u1ebfn n\u1ee3 nh\u00f3m 4, tr\u1eeb c\u00e1c kho\u1ea3n sau \u0111\u00e2y:<\/p>\n

– Ti\u1ec1n g\u1eedi t\u1ea1i t\u1ed5 ch\u1ee9c t\u00edn d\u1ee5ng, chi nh\u00e1nh ng\u00e2n h\u00e0ng n\u01b0\u1edbc ngo\u00e0i theo quy \u0111\u1ecbnh c\u1ee7a ph\u00e1p lu\u1eadt v\u00e0 ti\u1ec1n g\u1eedi t\u1ea1i t\u1ed5 ch\u1ee9c t\u00edn d\u1ee5ng \u1edf n\u01b0\u1edbc ngo\u00e0i;<\/p>\n

– Kho\u1ea3n cho vay, mua c\u00f3 k\u1ef3 h\u1ea1n gi\u1ea5y t\u1edd c\u00f3 gi\u00e1 gi\u1eefa c\u00e1c t\u1ed5 ch\u1ee9c t\u00edn d\u1ee5ng, chi nh\u00e1nh ng\u00e2n h\u00e0ng n\u01b0\u1edbc ngo\u00e0i t\u1ea1i Vi\u1ec7t Nam;<\/p>\n

– Kho\u1ea3n mua ch\u1ee9ng ch\u1ec9 ti\u1ec1n g\u1eedi, tr\u00e1i phi\u1ebfu do t\u1ed5 ch\u1ee9c t\u00edn d\u1ee5ng, chi nh\u00e1nh ng\u00e2n h\u00e0ng n\u01b0\u1edbc ngo\u00e0i kh\u00e1c ph\u00e1t h\u00e0nh trong n\u01b0\u1edbc;<\/p>\n

– Kho\u1ea3n mua b\u00e1n l\u1ea1i tr\u00e1i phi\u1ebfu Ch\u00ednh ph\u1ee7 tr\u00ean th\u1ecb tr\u01b0\u1eddng ch\u1ee9ng kho\u00e1n theo quy \u0111\u1ecbnh c\u1ee7a ph\u00e1p lu\u1eadt v\u1ec1 ph\u00e1t h\u00e0nh, \u0111\u0103ng k\u00fd, l\u01b0u k\u00fd, ni\u00eam y\u1ebft v\u00e0 giao d\u1ecbch c\u00f4ng c\u1ee5 n\u1ee3 c\u1ee7a Ch\u00ednh ph\u1ee7 tr\u00ean th\u1ecb tr\u01b0\u1eddng ch\u1ee9ng kho\u00e1n;<\/p>\n

– C\u00e1c kho\u1ea3n n\u1ee3 kh\u00e1c ph\u00e1t sinh t\u1eeb ho\u1ea1t \u0111\u1ed9ng quy \u0111\u1ecbnh t\u1ea1i kho\u1ea3n 2 \u0110i\u1ec1u 3 Ngh\u1ecb \u0111\u1ecbnh n\u00e0y gi\u1eefa c\u00e1c t\u1ed5 ch\u1ee9c t\u00edn d\u1ee5ng, chi nh\u00e1nh ng\u00e2n h\u00e0ng n\u01b0\u1edbc ngo\u00e0i t\u1ea1i Vi\u1ec7t Nam theo quy \u0111\u1ecbnh c\u1ee7a ph\u00e1p lu\u1eadt.<\/p>\n

\u0110\u1ed1i v\u1edbi t\u1ed5 ch\u1ee9c t\u00e0i ch\u00ednh vi m\u00f4, s\u1ed1 ti\u1ec1n d\u1ef1 ph\u00f2ng chung ph\u1ea3i tr\u00edch \u0111\u01b0\u1ee3c x\u00e1c \u0111\u1ecbnh b\u1eb1ng 0,5% t\u1ed5ng s\u1ed1 d\u01b0 c\u00e1c kho\u1ea3n n\u1ee3 \u0111\u01b0\u1ee3c ph\u00e2n lo\u1ea1i t\u1eeb n\u1ee3 nh\u00f3m 1 \u0111\u1ebfn n\u1ee3 nh\u00f3m 4 (kh\u00f4ng bao g\u1ed3m ti\u1ec1n g\u1eedi t\u1ea1i t\u1ed5 ch\u1ee9c t\u00edn d\u1ee5ng, chi nh\u00e1nh ng\u00e2n h\u00e0ng n\u01b0\u1edbc ngo\u00e0i theo quy \u0111\u1ecbnh c\u1ee7a ph\u00e1p lu\u1eadt).<\/p>\n

D\u1ef1 ph\u00f2ng r\u1ee7i ro cho vay c\u1ee7a ng\u00e2n h\u00e0ng c\u00f3 nguy c\u01a1 t\u0103ng v\u1ecdt<\/p>\n

B\u00e1o c\u00e1o t\u1ea1i H\u1ed9i ngh\u1ecb Th\u01b0\u1eddng tr\u1ef1c Ch\u00ednh ph\u1ee7 l\u00e0m vi\u1ec7c v\u1edbi c\u00e1c ng\u00e2n h\u00e0ng th\u01b0\u01a1ng m\u1ea1i c\u1ed5 ph\u1ea7n ng\u00e0y 21\/9 v\u1eeba qua, Ph\u00f3 th\u1ed1ng \u0111\u1ed1c NHNN Ph\u1ea1m Quang D\u0169ng cho bi\u1ebft, t\u00ednh \u0111\u1ebfn cu\u1ed1i th\u00e1ng 7\/2024, t\u1ef7 l\u1ec7 n\u1ee3 x\u1ea5u n\u1ed9i b\u1ea3ng c\u1ee7a h\u1ec7 th\u1ed1ng t\u1ed5 ch\u1ee9c t\u00edn d\u1ee5ng \u1edf m\u1ee9c 4,75%, t\u0103ng so v\u1edbi m\u1ee9c 4,55% v\u00e0o cu\u1ed1i n\u0103m 2023 v\u00e0 m\u1ee9c 2,03% cu\u1ed1i n\u0103m 2022. T\u1ef7 l\u1ec7 n\u1ee3 x\u1ea5u c\u1ee7a kh\u1ed1i ng\u00e2n h\u00e0ng TMCP t\u01b0 nh\u00e2n t\u1ea1i th\u1eddi \u0111i\u1ec3m cu\u1ed1i th\u00e1ng 6\/2024 l\u00ean t\u1edbi 7,77%.<\/p>\n

Tr\u01b0\u1edbc t\u00ecnh h\u00ecnh n\u00e0y, l\u00e3nh \u0111\u1ea1o c\u1ee7a h\u00e0ng lo\u1ea1t ng\u00e2n h\u00e0ng ki\u1ebfn ngh\u1ecb NHNN k\u00e9o d\u00e0i th\u1eddi gian c\u01a1 c\u1ea5u n\u1ee3, gi\u00e3n ho\u00e3n n\u1ee3. Kh\u00f4ng ch\u1ec9 n\u1ee3 x\u1ea5u c\u00f3 nguy c\u01a1 gia t\u0103ng, m\u00e0 vi\u1ec7c thu h\u1ed3i, x\u1eed l\u00fd n\u1ee3 n\u0103m nay v\u1edbi c\u00e1c ng\u00e2n h\u00e0ng c\u0169ng g\u1eb7p kh\u00f3 h\u01a1n c\u00e1c n\u0103m tr\u01b0\u1edbc do Ngh\u1ecb quy\u1ebft 42\/2017\/QH14 v\u1ec1 th\u00ed \u0111i\u1ec3m x\u1eed l\u00fd n\u1ee3 x\u1ea5u \u0111\u00e3 h\u1ebft hi\u1ec7u l\u1ef1c.<\/p>\n

Trong khi \u0111\u00f3, Lu\u1eadt C\u00e1c t\u1ed5 ch\u1ee9c t\u00edn d\u1ee5ng n\u0103m 2024 kh\u00f4ng c\u00f3 quy \u0111\u1ecbnh v\u1ec1 quy\u1ec1n thu gi\u1eef t\u00e0i s\u1ea3n b\u1ea3o \u0111\u1ea3m c\u1ee7a c\u00e1c t\u1ed5 ch\u1ee9c t\u00edn d\u1ee5ng. Vi\u1ec7c x\u1eed l\u00fd t\u00e0i s\u1ea3n \u0111\u1ea3m b\u1ea3o ho\u00e0n to\u00e0n ph\u1ee5 thu\u1ed9c v\u00e0o qu\u00e1 tr\u00ecnh t\u1ed1 t\u1ee5ng v\u00e0 b\u00e1n t\u00e0i s\u1ea3n \u0111\u1ea3m b\u1ea3o – th\u01b0\u1eddng k\u00e9o d\u00e0i r\u1ea5t l\u00e2u.<\/p>\n

Ch\u1ee7 t\u1ecbch H\u0110QT Ng\u00e2n h\u00e0ng VIB chia s\u1ebb t\u1ea1i h\u1ed9i ngh\u1ecb, t\u00ecnh tr\u1ea1ng tr\u00ean khi\u1ebfn c\u00e1c ng\u00e2n h\u00e0ng g\u1eb7p kh\u00f3 kh\u0103n v\u00ec ph\u1ea3i tr\u00edch d\u1ef1 ph\u00f2ng r\u1ee7i ro, d\u1eebng d\u1ef1 thu l\u00e3i trong khi v\u1eabn ph\u1ea3i tr\u1ea3 chi ph\u00ed huy \u0111\u1ed9ng v\u1ed1n h\u00e0ng ng\u00e0y.<\/p>\n

Tr\u01b0\u1edbc t\u00ecnh tr\u1ea1ng kh\u00f3 kh\u0103n c\u1ee7a doanh nghi\u1ec7p, ng\u01b0\u1eddi d\u00e2n v\u00e0 \u00e1p l\u1ef1c c\u1ee7a c\u00e1c t\u1ed5 ch\u1ee9c t\u00edn d\u1ee5ng, g\u1ea7n nh\u01b0 ch\u1eafc ch\u1eafn NHNN s\u1ebd cho ph\u00e9p k\u00e9o d\u00e0i th\u1eddi gian c\u01a1 c\u1ea5u n\u1ee3 v\u1edbi nh\u1eefng kh\u00e1ch h\u00e0ng b\u1ecb \u1ea3nh h\u01b0\u1edfng b\u1edfi b\u00e3o l\u0169.<\/p>\n

Vi\u1ec7c k\u00e9o d\u00e0i c\u01a1 c\u1ea5u n\u1ee3 s\u1ebd khi\u1ebfn t\u00ecnh h\u00ecnh n\u1ee3 x\u1ea5u ng\u00e0y c\u00e0ng kh\u00f3 l\u01b0\u1eddng. \u0110\u00e2y l\u00e0 l\u00fd do theo c\u01a1 ch\u1ebf hi\u1ec7n h\u00e0nh, NHNN y\u00eau c\u1ea7u c\u00e1c ng\u00e2n h\u00e0ng v\u1eabn ph\u1ea3i tr\u00edch l\u1eadp d\u1ef1 ph\u00f2ng r\u1ee7i ro 100% cho kho\u1ea3n n\u1ee3 \u0111\u01b0\u1ee3c gi\u00e3n, ho\u00e3n.<\/p>\n

Tr\u01b0\u1eddng h\u1ee3p c\u01a1 ch\u1ebf n\u00e0y \u0111\u01b0\u1ee3c ti\u1ebfp t\u1ee5c, khi NHNN k\u00e9o d\u00e0i th\u1eddi gian c\u01a1 c\u1ea5u n\u1ee3 sang n\u0103m 2025, n\u1ee3 x\u1ea5u n\u0103m nay v\u00e0 n\u0103m 2025 c\u00f3 th\u1ec3 ch\u01b0a t\u0103ng v\u1ecdt. Tuy nhi\u00ean, c\u00e1c ng\u00e2n h\u00e0ng s\u1ebd \u0111\u1ee9ng tr\u01b0\u1edbc \u00e1p l\u1ef1c t\u0103ng v\u1ecdt tr\u00edch l\u1eadp d\u1ef1 ph\u00f2ng r\u1ee7i ro.<\/p>\n

Vi\u1ec7c t\u0103ng v\u1ecdt chi ph\u00ed d\u1ef1 ph\u00f2ng r\u1ee7i ro cho vay ch\u1eafc ch\u1eafn s\u1ebd \u1ea3nh h\u01b0\u1edfng \u0111\u1ebfn l\u1ee3i nhu\u1eadn, th\u1eadm ch\u00ed l\u00e0 d\u00f2ng ti\u1ec1n c\u1ee7a ng\u00e2n h\u00e0ng. V\u00ec v\u1eady, nhi\u1ec1u ng\u00e2n h\u00e0ng ki\u1ebfn ngh\u1ecb NHNN c\u1ea7n c\u00f3 c\u01a1 ch\u1ebf ph\u00f9 h\u1ee3p v\u1edbi tr\u00edch l\u1eadp d\u1ef1 ph\u00f2ng r\u1ee7i ro.<\/p>\n

Tr\u01b0\u1edbc \u0111\u00f3, Ngh\u1ecb quy\u1ebft 143\/NQ-CP v\u1ec1 c\u00e1c nhi\u1ec7m v\u1ee5, gi\u1ea3i ph\u00e1p tr\u1ecdng t\u00e2m \u0111\u1ec3 kh\u1ea9n tr\u01b0\u01a1ng kh\u1eafc ph\u1ee5c h\u1eadu qu\u1ea3 b\u00e3o s\u1ed1 3 c\u1ee7a Ch\u00ednh ph\u1ee7 c\u0169ng giao NHNN c\u0103n c\u1ee9 quy \u0111\u1ecbnh t\u1ea1i kho\u1ea3n 4, \u0110i\u1ec1u 147, Lu\u1eadt C\u00e1c t\u1ed5 ch\u1ee9c t\u00edn d\u1ee5ng n\u0103m 2024 \u0111\u1ec3 b\u00e1o c\u00e1o Th\u1ee7 t\u01b0\u1edbng Ch\u00ednh ph\u1ee7 trong th\u00e1ng 9\/2024 v\u1ec1 vi\u1ec7c ph\u00e2n lo\u1ea1i t\u00e0i s\u1ea3n c\u00f3, m\u1ee9c tr\u00edch l\u1eadp d\u1ef1 ph\u00f2ng r\u1ee7i ro, ph\u01b0\u01a1ng ph\u00e1p tr\u00edch l\u1eadp d\u1ef1 ph\u00f2ng r\u1ee7i ro v\u00e0 vi\u1ec7c s\u1eed d\u1ee5ng d\u1ef1 ph\u00f2ng r\u1ee7i ro \u0111\u1ec3 x\u1eed l\u00fd r\u1ee7i ro, nh\u1eb1m h\u1ed7 tr\u1ee3 kh\u00e1ch h\u00e0ng g\u1eb7p kh\u00f3 kh\u0103n, thi\u1ec7t h\u1ea1i do \u1ea3nh h\u01b0\u1edfng c\u1ee7a b\u00e3o s\u1ed1 3.<\/p>\n

Ph\u00f3 th\u1ed1ng \u0111\u1ed1c NHNN \u0110\u00e0o Minh T\u00fa cho hay, NHNN s\u1ebd ho\u00e0n thi\u1ec7n h\u00e0nh lang ph\u00e1p l\u00fd, nghi\u00ean c\u1ee9u, b\u1ed5 sung nh\u1eefng n\u1ed9i dung li\u00ean quan \u0111\u1ebfn tr\u00edch l\u1eadp d\u1ef1 ph\u00f2ng r\u1ee7i ro (l\u00e0m c\u0103n c\u1ee9 cho vi\u1ec7c x\u00e2y d\u1ef1ng c\u01a1 ch\u1ebf), gi\u00e3n, ho\u00e3n th\u1eddi h\u1ea1n tr\u1ea3 n\u1ee3 (d\u00e0nh ri\u00eang cho \u0111\u1ed1i t\u01b0\u1ee3ng ch\u1ecbu thi\u1ec7t h\u1ea1i t\u1eeb b\u00e3o s\u1ed1 3), \u0111\u1ec3 s\u1edbm tr\u00ecnh Ch\u00ednh ph\u1ee7 v\u00e0 Th\u1ee7 t\u01b0\u1edbng Ch\u00ednh ph\u1ee7 ph\u00ea duy\u1ec7t.<\/p>\n

L\u00ea Thanh<\/p>\n

Theo tudonghoangaynay.vn <\/i> Copy
<\/p>\n","protected":false},"excerpt":{"rendered":"

D\u1ef1 ph\u00f2ng r\u1ee7i ro cho vay kh\u00e1ch h\u00e0ng bi\u1ebfn \u0111\u1ed9ng tr\u00e1i chi\u1ec1u Khi \u0111\u00e1nh gi\u00e1 m\u1ed9t kho\u1ea3n vay c\u00f3 th\u1ec3 kh\u00f4ng thu h\u1ed3i \u0111\u01b0\u1ee3c, \u1ea3nh h\u01b0\u1edfng \u0111\u1ebfn k\u1ebft qu\u1ea3 kinh doanh, c\u00e1c ng\u00e2n h\u00e0ng c\u00f3 gi\u1ea3i ph\u00e1p tr\u00edch l\u1eadp d\u1ef1 ph\u00f2ng r\u1ee7i ro. \u0110\u00f3 l\u00e0 h\u00ecnh th\u1ee9c ghi nh\u1eadn tr\u01b0\u1edbc m\u1ed9t kho\u1ea3n chi ph\u00ed c\u00f3…<\/p>\n","protected":false},"author":4,"featured_media":2394,"comment_status":"","ping_status":"","sticky":false,"template":"","format":"standard","meta":{"_wp_stack_schedule":false,"footnotes":""},"categories":[332],"tags":[],"class_list":["post-2393","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-thi-truong"],"_links":{"self":[{"href":"https:\/\/duan-nhadat.com\/wp-json\/wp\/v2\/posts\/2393","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/duan-nhadat.com\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/duan-nhadat.com\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/duan-nhadat.com\/wp-json\/wp\/v2\/users\/4"}],"replies":[{"embeddable":true,"href":"https:\/\/duan-nhadat.com\/wp-json\/wp\/v2\/comments?post=2393"}],"version-history":[{"count":0,"href":"https:\/\/duan-nhadat.com\/wp-json\/wp\/v2\/posts\/2393\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/duan-nhadat.com\/wp-json\/wp\/v2\/media\/2394"}],"wp:attachment":[{"href":"https:\/\/duan-nhadat.com\/wp-json\/wp\/v2\/media?parent=2393"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/duan-nhadat.com\/wp-json\/wp\/v2\/categories?post=2393"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/duan-nhadat.com\/wp-json\/wp\/v2\/tags?post=2393"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}