Cho vay tiêu dùng kênh chủ lực mang lại lợi nhuận cho ngân hàng

VJ(NB^tiOMNAy So 7(72)72009

Cho vay tieu dung kenh chu Irfc

MANG LAI Ldi NHUAN CHO NGAN HANG

TRAN TRONG TRIET(*)

T Q giQa thing TQ, lai suit

huy ddng vdn bing VND

cua eic ngin hing thUdng

mai (NHTM) cQ ting din theo

thdi gian vdi mQc tQ 0,1-

0,3%/nim eho tat ci cic ky han.

Din thing 6 niy, lai suat huy

dgng da cham mQc 10,1%/nam,

rut ngin khoing cich cheeh

lech giQa lai suit huy dgng vdi

Iii suit cho vay chi edn tQ 1%.

Cudc dua lai suat Ien den cao

trao

Nham tao ngudn vdn vay theo

chi'nh sach ho trp Idi suit ciia

Chinh phii, ddng thdi day mgnh

chp vay nhieu logi hinh sSn pham

tieu diing, cudc dua tdng Idi suit

huy dpng vdn cua cae NHTM Ien

d i n cao trao, chdch Igeh giQa lai

suit huy ddng vd eho vay bi rut

ngin, che vay tidu dung vdi ldi

suit thda thudn trd thdnh "cQu

cdnh" cho nhieu ngdn hdng trpng

np lyc dam blp chf tieu loi nhudn.

Mdc du, eae ngdn hdng di u

khang djnh kiem scat dUOe rui ro

nhung Ngan hdng Nhd nude

(NHNN) lai td ra than trong,

De thu hilt tiin gifi treng ddn cU,

cac NHTM lien tyc dUa ra mUc lai

suit tang dan. Bit dau tU ngay

1/6/2009, nhiiu NHTM dieu chfnh

lai suit huy ddng vdn bing VND

tanp manh d td't e l cdc ky hgn,

phd biln d mUc 9,5%/nam, MUc

lai suit tien gifi cae nha't hidn nay

ghi nhan dUOc Id 10,1%/nam, dp

dyng tgi HDBgnk ddi vdi k'y hgn

36 thang, Sd dT cdc ngdn bdng

dilu chfnh tdng lai sud't trpng

nhQng ngay ciia quy 11/2009 dc

tdc dp tang trudng tin dyng dupe

cai thien rd net. Ty Id dU nd che

vay tang cap hPn tdng vdn huy

ddng v l trpng 2 thdng vQa qua.

(') Chuyen vien Kinh te - Tdi chinh -

Nganhdng

6 8 Tap chi nghien Cilu tai chinh he toan

De cgnh tranh treng huy ddng

vdn, cdc ngdn hdng, nha't Id

nhQng dOn vj quy md vUa vd nhd

da tUng budc ndng ldi suit tiin

gifi Ien sdt tran lai sud't chp vay

10,5%/ndm, Mat bing lai sui t

huy ddng hien tang Ien

8,2%/nam, trong khi thdng trudc

chf dUng d mUc 7,99%/nam.

Theo ly giai cua mdt sd ngdn

hdng, vide tang lai suit tien gufi

treng 5 thdng di u ndm eiia cdo

ngan hang Id de hUt tiin nhdn rci

trpng dan, nham ddp Ung nhu eau

vdn tdng cap eua deanh nghidp.

Ddng thdi, nhu cau vdn tidu dung,

trpng dd ed el m cd ebUng khodn

vd mua nhd, da't tri gdp cung

tang nhanh, nen budc ngdn hdng

tdng ldi suit. Tuy nhidn, trong ddt

tdng vUa qua, cdc ngdn hdng chu

y l u dilu chfnh d ky hgn ddi ngdy,

ndn mdt bing Idi suit tiin gifi tuy

dUdc thilt lap 6 mUe cao, nhUng

van dn djnh.

Lai sud't giao dieh binh qudn

bing VND trdn thj trudng tiin tg

lien ngdn hdng ky hgn 12 thdng

hidn cd xu hudng tdng Ien so vdi

sd lieu tuIn trudc dd, vdi mUe

tang d cdc ky hgn tU 0,12%/ndm

d i n 0,21%/ndm. NbUng lai sud't

binh quan ciia cdc ky hgn cdn Igi

cd xu hudng giim so vdi tuan

trudc dd. MUe giam Idn nhat Id

0,42%/ndm, mUc giim thap nbd't

Id 0,05%/ndm. Lai sud't binh qudn

qua dem Id 5,54%/ndm (giam

0,42%/ndm so tuan trudc), lai

suit cdc k'y hgn cdn Igi dao ddng

tu 6,7%/ndm di n trdn 8,5%/ndm.

Thanh khoin cda cac ng§n

hang dim bio

Thdng ddc NHNN Nguyen Vdn

Gidu, gan day cd mdt sd ngdn

hdng cd phan nhd da dua Idi suit

ldn trdn 10%/ndm, NHNN da kjp

thdi theo ddi, Tuy nhien, thanh

khoan ciia cdc ngdn hdng tren

van on djnh vd dam bi o td't, Theo

Thdng ddc NHNN, so vdi trin lai

sui t che vay thi hien ldi suit tiin

gUi da tang d mUe cap nen cdc

ngdn hang phi i cdn ddi, vi chdch

lech ldi nhuan dan bj thu hgp,

Mdc khac, lai suit co ban van

dp dyng mUc 7%/nam trong thdng

6/2009 vd nbilu kha ndng se tilp

tyc dn djnh. Ngdy 16/6/2009,

Standard Chartered Bank cdng

bd bi n nghien cUu mdi nbd't ve

tinh hinh phdt trien kinh t l Viet

Nam. Standard Chartered Bank

du bdo, vdi finh hinh kinh t l Viet

Nam chuyen bil n theo hudng tfch

cue, tu nay di n eudi nam, nhiiu

k h i nang lai sui t eO bi n tilp tyc

duy tri 6 mUc 7%/ndm.

Lai sui t cho vay VND hidn pho

biln tgi cdc NHTM nhd nudc 6

mUc 8,5%-10%/ndm; trung vd ddi

hgn tu 10%-10,5%/ndm. Ddi vdi

nhdm ngdn hang cd phan, phd

biln d mUc 10%-10,5%/ndm. Lai

sui t cho vay sau khi trU di phin

ho trd lai sui t phd biln d mUc

4,5%-6%/ndm. Ridng lai suit eho

vay thda thudn ddi vdi cdc nhu

e l u vdn phyc vu ddi sdng, cho

vay thdng qua nghiep vy phdt

hdnh vd sQ dung the tfn dyng 6

mUc 12%-16,5%/ndm.

Cho vay tieu dung kenh chit

li/c mang Igi \(ft nhuan cho ng§n

hang

Khdng ft ngydi eho ring, vdi

mUc lai suit thda thudn cao khi

trien khai tfn dyng cd nhdn, ngdn

hdng tranh thu huy ddng tiin

nhdn roi cho vay ra. Dan din , dU

no tin dyng dupc di y Idn khd

nhanh. Theo Thdng ddc NHNN

Nguyen Vdn Gidu, tU di u ndm

d i n nay, nhiiu ngdn hdng da day

mgnh cho vgy tidu dung, nha't la

treng quy 11/2009. Du no tin dyng

tidu dung dgt 85,000 ty ddng,

tuong dyong mUc tdng khoing