Các ngân hàng đồng loạt hạ lãi suất cho vay

Cac ngan hang ding loat

HA LAI SUAT CHO VAY

Theo Nghj quyet 18/NQ-CP ngay 6/4/2010 ciia Chinh phi) ve nhiifng

giai phap bao dam on djnh kinh te vi md, khdng de lam phat cao

va dat tdc dp tang truoing kinh te khoang 6,5% trong nam 2010, bao

gdm cac nhdm giai phap chinh: tap trung kiem che lam phat; tbiiic

day xuat khau, han che nhap sieu, cai thien can can thanh toan;

bao dam ngudn luc thuc hien muc tieu phat trien kinh te- xa hdi;

on djnh, an toan he thdng tai chinh- ngan bang; tiep tuc thuc day

phat trien san xuat, kinh doanh; day manh cdng tac tu tudng, thdng

tin, tuyen truyen, tao ddng thuan cao trong xa hdi.

j ^ TOAN TOONG

Tap trung kiem che lam phat

Chinh phil yeu ciiu NHNN tiep

tuc didu hanh chinh sach tidn te

chii ddng, linh hoat, than trpng;

bao dam tdc do tang trucVng tin

dung khoang 25% va tdng phuang

tien thanh toan khoang 20%. Sir

dung linh hoat cac cdng cu lai

suat de giam dan mat bang lai

suat thi trudng.

Bd Cdng thuang can ra soat.

danh gia linh hinh cung-ciiu cac

mat hang phuc vu san xuat va ddi

sdng, trudc hdt la cac mat hang

thiet yeu. Theo ddi sat dien bien

thi truimg trong nudc va ngoai

nudc dc kip thdi ap dung cac giai

phap didu tiet, khdng dd xay ra

thieu hang, sdt gia.

Bd Tai chinh chu ddng phdi

hop vdi Bd Cdng thuang. cac bd,

ca quan lien quan duy tri dn dinh

gia dien ban cho cac hd san xuat,

tieu diing va gia than ban cho san

xua't didn den het nam 2010; ra

soat ca che kiem soat gia xang

dau de bao dam hoat ddng kinh

doanh xang dau hoat ddng theo

nguyen tac thi trudng, khdng dd

gia xang tang lien tuc trong thdi

gian ngan. gay lac ddng bat lpi

de'n san xuat va tam ly ngudi tieu

diing. Ben canh dd. phdi hop vdi

cac bd, nganh, dia phuong kiem

soat chi phi kinh doanh, gia thanh

cac loai san phiim thupc dien binh

dn giii theo quy dinh

C^ac tap doan kinh te, tdng cdng

ty nha nudc, DNNN chii ddng tridn

khai cac bien phap de thuc hien

nghiem tiic chi diio, dieu hanh ciia

Chinh phil. ve day manh san xuat,

kinh doanh, nang cao hieu qua dau

tu, tham gia vao vide binh on thi

tmdng, nha't la ddi vdi cac mat hang

thiet yeu nhu luang thuc, thuc

phaim, thudc chua benh, dudng, sira,

xang dau, thep, xi mang.

Ciic NHTM nha nudc

"lam girong"

May ngay gan day, mat bang

lai suat cho vay trdn thi trudng da

cd dau hieu giam dan. Di dau van

la khdi cac NHTM nha nudc. Sau

khi thd'ng nhat se dua mat bang lai

suat cho vay thda thuan ve miic

14%/nam trong budi lam vide vdi

NHNN gan day, cac ngan hang

nay da ddng loat trien khai dua lai

suat thda thuan vd miic 14%/nam.

Tham chi, theo mdt quan chiic ciia

mdt NHTM Nha nudc Idn, vdi

nhirng doanh nghiep cd du an tdt,

lai suat thda thuan ciia ngan hang

nay chi la 12%/nam.

Khi cac "anh cai" trdn thi tmdng

da thuc hien, cac dan em khd cd the

ngdi ydn. Dd giu chan khach hang,

nhidu NHTMCP Idn cung dieu

chinh giam dan miic lai suat cho

\ay. Dai didn NHTMCP A Chau

(ACB) cho biet, hien lai sua't thda

thuan danh cho doanh nghiep dupc

giiim xudng cdn 14- 14,5%/nam

thay vi 15- 16%/nam nhu thdi diem

dau thang 3. Cdn vdi nhiing khach

hang cd quan he tin dung tdt, cd du

an kha thi, lai suat cho vay la

14%/nam. Cdn theo Tdng giam

ddc NHTMCP Sai Gdn-Ha Ndi

(SHB) Nguydn Van Ld, vdi nhiing

khach hang VIP, khach hang uy tin

va truyen thdng cd sir dung nhidu

dich vu san pham ciia ngan hang,

SHB chi cho vay vdi lai suat

12%/nam hoac thap han.

Tuy nhidn, vide ha lai suat vdi

cac NHTMCP nhd xem ra gap

nhieu khd khan han. Lai suat cho

vay ciia khdi ngan hang nay van

dao ddng trong khoang 15%/nam￾16%/nam. Au cung la le thudng

tinh, bdi de huy ddng dupc vdn,

cac NHTMCP nhd thudng phai

dua ra miic lai suat, khuyen mai

hap dan han. Song theo cac chuyen

gia, khdi ngan hang nay cung khd

tranh khdi xu the chung, neu

khdng mudn mat khach hang.

Theo cac chuyen gia ngan

hang, sd di cac NHTM ha thap lai

suat cho vay, chii yeu la giai

phdng ngudn vdn dang bi it dpng.

Qua thuc vdi miic lai suat cho vay

thda thuan qua cao nhu trong

thang 3 (vao khoang 14-15%/nam

40 IThue Nha Nuoc * so t^ i "'') - K^ 4 4-1 _-^ ;(ii o