Nghien cii|u
^ O f X ) l W
in Binh tuan, nhan dmh ve cac bi^n phap ngan chan 6k suy giam Itinh tS & Vift Nam
LTS: Nhim doi pho vo*! tac dpng cua khiing hoang tai chinh toan cau, tho'i gian qua, Chfnh phu da co nhieu bi#n phap nham ngan chan da suy giam kinh te ciia dat nu'o'c. Cac chinh saeh ciia Chfnh phii du'a ra cho thay, ve tong the, nhu'ng "at chii bai" quan trpng nhat bao gdm: giam thue, gian thue, hoan thue; ho trcr lai suat cho doanh nghiep; tang dau tu' cong cho ket cau ha tang... Cho du co nhieu y kien danh gia khac nhau, song day la nhu'ng bi#n phap dung d i n ca ve ly thuyet va thi/c t i i n . Tuy nhien, de nhu'ng "at chii bai" phat huy hi#u qua dang can nhicng giai phap va each lam dong bp. Chu de chfnh cue TCTC ky nay se cung nhin nhan va danh gia ve cac giai phap kfch cau, ngan chan da suy giam kinh te cua Chfnh phu.
KINH TE VIET NAM
t r * khung hoang VD suy thodi kinh t§' toan cdu
TS. NGUYJN VAN TAP
Trirang Boi dwang can bo tai chinh, Bo Tai chinh
Nhicng thdng ddu ndm 2009, khung hodng tdi ehinh todn cdu vdn tie'p tuc tram trong, kinh te the gidi suy thodi, kinh teViet Nam da cd nhicng dd'u hieu suy gidm. Truoc tinh hinh tren, Chinh phu dd nhanh chdng thue hien nhicng gidi phdp cd'p bdch nhdm ngdn chgn suy gidm kinh te, duy tri tdng trudng kinh te, bdo dam an sinh xd hdi. Cdc gidi phdp cua Chinh phii Id diing hudng, tuy nhien, cdn thuc hien tot mdt so van de di cdc gidi phdp ndy thuc su phdt huy hieu qud.
Khung hodng tdi chinh todn cdu: Nhung tdc dong den kinh te Viet Nam
Cude khung hoang tdi chinh keo dai da phd vd cde boat ddng kinh te toan ciu. Kinb te the gicM cud'i n a m 2008 va d i u n a m 2009 t i l p tuc suy giam m a n h , cde nucie cdng nghiep phat trien reri v i o giai doan khiing hoang tdi te nhat trong g i n 70 n a m qua.
Ddi vdi Viet N a m , mac dii he thdng tai chinh vdn chua bi i n h budng n h u n g s i n x u i t kinh doanh x u i t n h a p khau, thu hiit vdn d i u tu, kilu bdi... da bi tae ddng tuong ddi rd. Kinh t l Viet Nam bien nay chiu tdc dpng ebu y l u thdng qua 02 kenh:
Xuit khau g i i m e i ve lupng Idn gid do kinh t l t b i gidi suy thoii;
nbu c i u g i i m siit va d a u tu nude ngoai sut giim. GDP quy 1/2009 ebi tang 3,1% miic tang t h i p n h i t so vcM ciing ky tir n a m 2000 de'n nay. D y bao nam 2009 tang trudng GDP cbi d khoang 4,8% de'n 5,6%. "Con dia c h i n "
khung hoang tai ehinh toan c i u da tae ddng den kinh t l Viet Nam qua mdt sd mat sau day:
Doi v&i he thong tai chinh - ngan hang
Mae dii ehua chiu tae dpng manh tir cude khiing h o i n g tdi ehinh cua My vi be thdng tdi ehinh ngan h i n g Viet N a m mdi ebi d giai doan d a u eua hdi nhdp, n h u n g trong n g i n ban, do tae ddng tryc Hep eiia khimg hoang tai chinh, lai n h u a n eua n h i i u ngdn hdng cd the giam,
tham ehi mpt sd ngdn hang nhd ed the thua Id; n o xd'u tdng len;
he thdng ngdn hdng tdi ehinh Viet N a m ed nguy co bi anh hueing trong mpt vdi ndm.
Doi v&i hoatdong xuat iihau
Tdc d p tang Kudng xu^t khau vao thi trudng My gidm do cau Heu diing tai thi trudng My d a n g tren da "truept ddc", mat khae canh Kanh trong xud't khau vdo thi trudng My khdc Het hon d o mpt sd nhd xudt khau gidm gid hang xud't khau d l tieu thu luepng hdng hod xud't khau bi tdn dpng. My Id thi trudng xud't khau \(yn eiia Vi^t N a m hien nay, chiem khoang 20-21% kim ngach xud't khiu, tdc d p tdng trutpng xud't kh^u
34 Tii T H A N G 6/2009
vdo thi trudng My suy giam cd anh h u d n g Idn den td'e dp tang trucmg xuat khau ehung eua Viet N a m trong ndm 2008, nam 2009 va ed the ca nam 2010 (neu n i n kinh t l My chua ed dau hieu phue hdi). Tuy nhien, miie dp dnh hudng edn tuy thupe vao tinh chdt ciia timg mat hang. Ben canh dd khung hoang tai ehinh My eiing tae ddng tieu eye tdi n h i i u n i n kinh te khdc tren t b I gieM, dae biet la EU va Nhat Ban - hai thi Kudng xud't khau quan trpng eiia Viet Nam. Do tac dpng eua khimg hoang, ngudi dan tai cdc thi trudng ndy eiing phai c i t giam chi Heu, theo dd nhu eau nhap khau ddi vdi bang hod xua't khau eua Viet Nam se ed xu hudng giam. Tae ddng eua khimg hoang tai chinh den xua't khau b i t dau the hien rd tir thdng 9/2008. Kim ngach xua't nhap khau 5 thdng d i u nam 2009 ed xu hueing tang nhe. Tir thang 6 den eudi nam 2009, xudt khau ed k b i nang tang hon so vdi eae thang d i u nam n h u n g v i n tilp tue giim so vdi cimg ky 2008. Dy bao kim ngach xud't khau ea ndm 2009 ehi tang 3-5%.
Doi v&i von dau tW cua nw&c ngoai
Trong tinh hinh khung h o i n g n h u hien nay, chi phi vdn trd nen d i t dd hem va thi trudng x u i t khau cd k b i nang bi thu hep nen d d n g vd'n chay vao Viet Nam bi giam siit la khdng tranh khdi. Them vao dd, vcM h i u bet eae dy an d i u tu ndi chung va FDI ndi rieng, p h i n vd'n vay thudng chiem ty trpng Idn trong tdng so vdn d i u tu, nen khi eae td ehirc tai chinh, cae ngan hdng gap khd khan, n h i i u hepp ddng vay vd'n se khdng dupe ky k i t hoac khdng the giai ngan duepe. Cae d y an FDI dang triln khai cd the bi ebCrng lai do eae nhd dau tu p h i i edn ddi lai k h i nang ngudn vdn, dam bao tai chinh an todn trong cude khiing h o i n g nay.
Cde d u i n FDI mdi dupe cap phep se gap khd khan neu nha d i u tu bi tdn thuong Idn tir khiing hoang. Ne'u n b u nam 2008 Viet Nam da thu hut g i n 63 ty USD vd'n d i u tu tryc t i l p nude ngoai (vd'n dang ky), giai ngan 12 ty USD, thi nam 2009 Hnh hinh thu hut FDI da trd nen khd khan hem, n h i i u dy i n dang ky vdn hang chue ty USD nhd d i u Kr nude ngoai da xin rut lui...
Trong 5 thang d i u nam 2009, vdn FDI ehi dat 6,3 ty USD.
Ddi vdi lupng kilu hdi vao Viet
N a m , mdc dii nam 2008 lupng k i l u hdi dat 8 ty USD, tang 60% so vdi nam 2007, nhung vdi da suy thodi kinh t l the gi(M n b u bien nay, lupng kilu hdi nam 2009 g i i m siit se la d i l u c h i c chin.
Doi v&i hoat dong cua thi trw&ng chii'ng l(hoan
Khimg h o i n g tai cbinb ngay cang i n h h u d n g rdng tren thi Kudng tai chinh the' gidi, theo dd eae nhd d i u tu va eae quy dau tu nuex: ngoai se gap khd khan bcm Kong viee buy ddng vdn, hoac ed xu hudng than Kpng bon trong q u y l t dinh dau Kr kbi eae tbi Kudng Idn eua bp dang gap khd khan.
Viee hp co eau lai danh mue d i u tu d Viet Nam la d i l u cd the tha'y trucpc.
Cd the cac nha d i u tu ngoai se riit
doanh nghiep dang niem y l t tren TTCK se khdng tranh kbdi tae ddng xau, dae biet la doanh ngbiep xuit khau, theo dd gia ed phieu ed the sut giim.
Mdt v i n d l khac ein quan tam la khimg h o i n g tai chinh tae ddng manh me de'n tam ly ciia cae nha d i u tu chiing khoan Viet Nam. Ylu td tam ly la kha quan trpng, vi vay Viet Nam e i n ed nhiing giai phap, dae biet la thdng Hn, tuyen truyin d i y du de cimg cd niem tin eho eae nha d i u tu;
ban che nbiing lo ngai thai qua lam i n h hudng x i u d i n TTCK. G i n day TTCK da ed nhimg dau bieu kha quan hon nhung vin dien bien khd ludng eiia suy thoai kinb te the gicVi, Hnh dn dinh eiia TTCK se khd tranh khdi gap khd khan.
Doi vai Viet Nam, mgc du he thong Idi chinh vdn chua bi dnh huiong nhung sdn xudt kinh doanh, xudt nhgp khdu, thu hut vdn ddu tu", kieu hdi... da bi tdc dpng tuong ddi ro.
vdn kbdi thi trudng Viet Nam de ung ciiu eho cdng ty me tai cac thj trudng Idn, nhung khi nang nay la rit it, mdt mat vi lupng vdn d i u tu eua mdi nha d i u tu d thi trudng Viet Nam la khdng n h i i u va bien Viet Nam v i n duepc coi la dia diem d i u tu an toan ed dp Hn eay cao. TTCK Viet Nam la mpt noi ed uu the d i u tu khi tinh binh kinh t l vi md Viet Nam dang ed ehilu hucpng tdt d i n . Trudng hpp eae nha d i u Kr nude ngoai ban h i t ehiing khoan, riit h i t vdn dau tu ra kbdi TTCK Viet Nam thi Viet Nam v i n du d y tru ngoai te de "bom ra" dn dinh thi trudng. Can edn thuong mai Viet N a m nam 2008 ude Hnh tham but 18 ty USD (khoing 30%GDP), nam 2009 d u bao thdm hut thucmg mai se dao ddng trong k h o i n g 12 ty -15 ty USD hay 12-15% GDP, giam 20% so vdi nam 2008.
Mat khae ciing c i n t h i y r i n g khiing h o i n g tai cbinb i n h hueing de'n mdt sd linh vyc eiia Viet Nam nhu: xuit khau, np vay n g i n han eua cdc ngan bdng, boat dpng ciia cac td chue tdi chinh, Hn dung... Do dd eae
Doi v&i thi trw&ng bat dong san (BDS)
Tbi trudng BDS ed mdi Hen be m i t thiet vin thi trudng vd'n vd tdi cbinb.
Hoat dpng d i u tu kinh doanh BDS ddi hdi mdt lupng vdn rit Icrn. Hien nay Him lue tai ehinh eua h i u bet cde doanh nghiep kinb doanh BDS eiia Viet Nam kha ban hep, p h i n Icpn phu thudc vao ngudn vd'n ben ngoai ma ehii yeu la vdn vay eiia cae ngan bang va td ebiic Hn dyng. Day la mdt khd khan eiia doanh nghiep kinh doanh BDS trong d i l u kien khiing hoang tai chinh bien nay.
Cudi nam 2007 Hnh trang d i u co BDS da day gia BDS d Viet Nam len qua cao so vdi gia tri thye. Thi Kudng da len eon sdt i o , ciu i o tang cao.
Bude sang nam 2008 va nam 2009 nen kinb te Viet Nam v i n gap khd khan do i n b huemg eiia khiing hoing kinh te, bupc ngudi dan pbii giam chi tieu, tbi trudng BDS ddng bang, gid BDS da giim den 40";., cae doanh ngbiop kmh doanh BDS roi vao kho khan, khdng ban duoc san p h i m iai phai chiu lai s u i t eao do cbinb saeh that
Til eWllil THANQ 6/2009
J NOHi^Nnrii-TRAnnrti
chat tiin te l i m lai s u i t ngan h a n g tang cao, n h i t li vao eudi nam 2008.
Gia BDS giim se keo theo tai s i n ngan hang eiing g i i m theo, n p xd'u tang len lam eho c o e i u vdn cua ngan bang thucmg mai roi vdo Hnh the b i t lpi. G i n day, FDI dd vao Viet N a m tdng nhanh trong dd g i n 50% d i u tu vdo BDS. Anh h u d n g eua k h u n g hoang tai chinb se gay bat lepi ebo viee giii ngan vd'n FDI d Viet N a m dae biet la FDI Kong linb vye BDS.
Khung h o i n g n a dudi chuan d My ma gdc r l la tir khung hoang dia dc bien nay tuy khdng Iam anh h u d n g tryc Hep de'n tbi trudng BDS d Viet N a m n h u n g nd se anh bucing gian t i l p qua eae tdc ddng den thi Kucpng tai ehinh tien te, TTCK va cac yeu td tam ly eiia ngudi dan. Tuy nhien, viee eho vay BDS eua cae ngan hang d Viet N a m la khac xa so vin d My vi vay khd x i y ra mdt cude khiing hoang tren tbi trudng BDS Viet Nam. Theo bao cao eua Ngan hang Nha nude Viet N a m thi ebo vay BDS ehiem k h o i n g 9,5% tdng sd d u n a eiia cae ngan hang va td ebuc tin dung. Mae dii vay viee tae ddng gian tiep de'n tbi trucmg BDS Viet Nam n b u da ndi d tren la ed the, Viet N a m da ludng trudc Hnh binh nay va Chinh pbii da ed nhung giai phap hiiu hieu de ngan chan anh huijng xiu.
Thi trw&ng hang hoa va djch vu:
SWc cau giam
Siic ciu giim ca trong s i n xuat va tieu diing. Trong Hnh binh kinb te the gidi dang suy thoai, tinh hinh kinh te vi md cua Viet Nam mac d i u da dupe eai thien nhung ndi ehung v i n edn khd khan. Nhieu doanh nghiep da e i t g i i m k l hoaeh s i n x u i t kinh doanh, thu hep quy md do ebi phi s i n xua't tang dae biet la lai vay ngan bang.
N a m 2008 eae ngan hang tang lai s u i t de phue vu mue tieu that chat tien te, kiem che lam phat, eae doanh nghiep r i t khd khan kbi p h i i vay ngan hang vdi lai s u i t eao. Bude sang nam 2009 vipi cbinb sich tien te nin long, lai s u i t ngan bang da g i i m dang ke, Cbinb pbii lai ed ebu truong bii lai s u i t 47o cho doanh nghiep ddi vdi nbiing khoan \'ay n g i n ban, dieu dd phan n i o da giiip doanh nghiep kbdi phuc s i n x u i t kinh doanh, giam ehi phi vdn, g i i m gia thanh s i n p h a m . Tuy nhien, khd khan IcTn hien nay ddi veVi doanh nghiep lai li thi trudng Heu thy
Nganh Tai chinh no l y c cai each, trien khai nhieu gidi phap tao thuan l y i cho cdc hoat dong thycrng mai va thu hut dau tu*
s i n pham. Chimg nao kinh te the gidi ehua phue hdi thi thi Kudng Keu thy (XK) vdn edn khd khan. Trong lue dd thi trudng npi dia siic cau d a n g ban che vi siie mua chua tuong xiing.
Cac boat ddng dieh vu se bi thu hep, dac biet la luepng khach du lich se g i i m , cho de'n nay nganh du lich da td chue nhieu ehuong trinh khuyen mai n h u n g tinh hinh chung la chua s i n g siia.
Viet Nam dd vd se phdi Idm gi?
Trudc nhiing tae ddng cua khung hoang tai chinh toan c i u , ngay tir quy 1/2008, Cbinb pbii Viet N a m dua ra mdt loat giai p h a p de ngan chan, phdng ngira nhiing bau q u i khdn ludng eua "eon bao tai cbinb". Rat may la Viet Nam da kip thdi dp dung cic bien phap hpp ly de phdng ve, chdng bao ngay tir dau nam. Cde bien p h a p dn dinh kinh te vi md da phat huy tae dung, lam phat g i i m , tinh thanh khoin giiia eae ngan bang duepe tang eudng, thanh khoan ciia tbi trudng dupe d i m bao, thu hep can can thuemg mai, tang cuong ngan saeh nha nuepc, that chat ehi Heu cdng, tang d u trii ngoai te. Sy chao dao eua thi trudng the gidi khien gia nguyen lieu giam cung giup Viet N a m " d l they bon va lam g i i m ganh nang ngan saeh trp c i p gia nguyen lieu.
Cae NHTM eung dupe hd trp b i n g nbilu bien p h i p eua Ngan h i n g Nha nude. Ne'u nhin nhan tir gdc dp kinh t l vi md, eae ehi sd kinh te da duepc eai tbien d i n g k l . Tuy nhien, cud'i 2008
vd nhirng thang d i u ndm 2009, khiing h o i n g tai chinh toan eau v i n Hip tue K i m trpng. Kinh te the gieii suy thodi.
Kinh te Viet N a m da cd nhiing dau hieu suy giam, dac biet la n i n kinh te dang chiu tdc ddng cua suy giim tdng c i u do xua't khau va d i u tu nude ngoai g i i m siit. Trude tinh hinh tren, Chinb phii da ed Nghi quylt 30/2008/NQ-CP ngdy 11/12/2008 vl nhiing giii phap cap bach n h i m ngan chan suy g i i m kinh te, duy tri tang trueimg kinb te, bao d i m an sinh xa hdi; tiep theo la Quyet dinh 131/2009/QD-TTg ngay 23/01/2009 v l hd trp lai s u i t 4% eho cde doanh nghiep vd ed nhdn vay vdn n g i n ban n h i m giam chi phi vd'n de day manh s i n xud't kinh doanh, djch vu. Khdng lau sau dd, ngdy 4 / 4 / 2 0 0 9 Thii tudng Chinh phii da ky Q u y l t dinh sd 443/QD-TTg v l viee cho vay bd trp Iai suat eho ed nhdn, td ehiie vay vdn trung, dai ban bdng ddng Viet Nam de d i u tu phat trien s i n xuit, kinh doanh, k i t cdu ha t i n g tang k h i nang canh tranh s i n pham, tao viee Iam.
Thuc bien Nghi q u y l t sd 3 0 / 2 0 0 8 / N D - C P , Ngan b i n g Nhd nude ( N H N N ) , Bp Tai chinh v i cac Bp, nganh da ed nhiing ddng thai phdi hcpp cbinb sich n h i m hd trp s i n x u i t kinb doanh v i x u i t khau, kich c i u tieu diing va d i u tu, ndi Idng dang ke chinb sich tii ehinh Hin te vd d i m b i o an sinh xa hdi. Quan trpng n h i t la chinh saeh neiri long tai khod vdi viee g i i m , gian nop thue, hodn thue (GTGT, T N D N vd TNCN) dieu chinb hdng rdo t h u l quan trong
36 Tii Cllillll THANG 6/2009
khudn khd cho p h e p ciia cam k i t WTO d l hd Kp sdn xuat Kong nude, ddng thdi vdi vi$c tang eudng edc khodn chi an sinh xi hpi... Chinh sdch t h u l xudt khdu, thue nhdp khau cung dupe d i l u chinh kip thdi, linh hoat nhdm hd Kp cho sdn xud't Kong nude.
N H N N da ed nhiing d d n g thdi ndi 16ng Kin te di liln vdi tdng eudng kilm sodt nii ro Kong he thdng ngdn hdng...
Cdc chinh sdch dieu hdnh v l tdi khod vd tien te trong nhiing thdng qua Id diing hudng vd kip thdi da gdp phdn quan Kpng Kong viee duy Ki tdc do tdng trudng ducmg. Theo Ngdn hdng T h i gidi (WB), hien chi ed 12 nude ed td'e dp tdng Kudng d u o n g Kong quy 1/2009 trong dd ed Viet Nam tdng trudng 3,1% Id mdt nd lue rat Idn. Nhin ehung kinh t l quy 1/2009 da cd n h i i u bieu hien Hch cue.
Kinh t l VI md dn dinh, gid cd, Iai suat, ty gid d i u tuong ddi dn dinh vd n i m trong tdm k i l m sodt. TTCK, thi Kudng BDS Hi thdng 4/2009 d i n nay da cd dau hieu dm len. Tdng trudng kinh t l tuy thap nhung eiing dang ed nhieu ddu hieu khd len tir dau quy II.
Xudt nhdp khau tuy chiu tdc dpng manh eua khung hodng kinh te todn cdu, nhung cdn cdn thuong mai dang thdng du, edn can thanh todn ddm bdo. Day Id nhiing y l u to quan Kpng de dn dinh kinh t l vl md. Ben canh dd, van d l dam bdo an sinh xa hdi dang duoc Chinh phu ehii trpng, ddc biet Id ehinh sdch dd'i vdi viing sau, viing xa, nhiing ddi tuc?ng bi tdn thuong qua khiing hodng kinh tl.
Mdc dii gan ddy kinh te the gidi ndi ehung vd kinh te Viet N a m ndi rieng da ed nhirng dd'u hieu phuc hdi, nhung khd khan d phia trude cdn rdt Idn. De ngdn chan dd suy giam kinb tl, duy tri tdng Kudng kinh te trong thdi gian tdi, theo chiing tdi, can tap trung thyc hien td't mpt sd giai phdp sau ddy:
• Tilp tue thyc hien q u y l t liet Nghi q u y l t 3 0 / 2 0 0 8 / N D - C P ngdy 11/12/2008 cua Chinh phu ve cde giai phdp cd'p bdch nhdm ngan chan suy giim kinh tl, duy Ki tang trudng, bao ddm an sinh xa hdi.
• Tilp hJC thue hien 09 nhdm giai phdp v l tdi ehinh theo Nghi quyet 30/2008/ND-CP eiia Chinh phu, ddng thdi hch cue ehii ddng Kiln khai cdc bi$n phdp tdi chinh bd sung theo Hnh hinh mdi gdm: Rd sodt lai n h i | m
vu chi vd sdp xep lai ebo phu hpp. Cd p h u o n g dn tim ngudn bii d i p thdm h u t ngdn sdch, tdng eudng cdc bien phdp chdng that thu. Chii ddng phdi hepp vdi cdc Bd, nganh, dia p h u o n g day nhanh ehii truong xdy nhd d xa hOi. Can chuan bi cae phuong dn kich cdu d y phdng trong trudng hop cdc giai phdp hien nay chua du liiu lupng d l kich thich qua Kinh phuc hdi kinh te.
• Chinh sdch Hin te hien nay v l co bdn la diing hudng. Tuy nhien, do k h u n g hoang tai ehinh vd suy thoai kinh t l todn cdu ehua ed hdi kit, tinh hinh se bien ddng lien tue nen v l mat liiu luepng, phii bam sat diln bien eua thi trudng. Trong Kudng hcpp can thiet phdi ha Iai s u i t co bdn, lai s u i t tai ehilt kha'u eho phii hpp vdi Hnh hinh Iam phdt de thiic day s i n xuit Kong nude. Bdm sdt tinh hinh thi Kudng de d i l u ehinh d i n ty gia theo budng ed Ipi eho xud't khau. Triln khai kip thdi
J
cdng sang eho khu vye doanh nghiep ngodi qudc doanh hoac \ a y nude ngoai. Day ein xem nbu la chien lupc de khuye'n khich eae doanh nghiep tap trung eho s i n xuit \ a thj Kudng.
• Nghien cuu md rdng tbi Kudng x u i t khau sang eae tbi Kudng mcpi.
Kich thich phat trien thi trudng trong nude. Day manh viee chdng budn lau, bang gia va gian lan thuong mai. Ddi mdi c o e i u mat hang xuit khiu va thi trudng x u i t khau: Tap Kung vao xud't khau nhiing mat hang Viet Nam ed lpi the'.
• Chpn Ipc nhap khau: Day ciing la eo hdi de Viet Nam tranh thu nhap khau cdc mat hang, cdng nghe bien dai ma eae nude phat trien phii ban di do kinh t l eua bp khd khan.
• Tan dung eo hdi de thu hiit vd'n d i u tu. Ddng vdn Ken t h i gidi se tap trung vdo nhiing noi cd mdi trudng chinb Ki va kinb doanh dn dinh. Viet
Mgc du gdn ddy kinh te the gioi noi chung vd kinh te Viet Nam noi rieng dd co nhung ddu hieu phuc hoi, nhung kho khdn 6 phia truac con rdt Ion.
hueing d i n thyc bien Quyet dinh sd 443/QD-TTg ngdy 04/4/2009 eiia Thu tudng Chinh phu. Ndng eao k h i ndng gidm sdt he thdng de trdnh nii ro trong boat ddng tin dung. N H N N ehii dpng giam sdt cde NHTM, tang eudng kiem tra, kiem toan ndi bp, k h u y l n khich eae NHTM tang vd'n d l dam bao an todn h? thdng.
• Tang eudng chi dao, giam sdt chat che Hnh hinh thyc hien edc giii phdp kich cdu bii lai s u i t , d i m bao yeu ciu: diing mue dieh, thu tuc eho vay nhanh, ed sy kiem tra, kiem soat thudng xuyen, hen tue edc dy an eho vay.
• Day manh giii ngan vd'n xdy d y n g CO ban, dac biet la vdn nam 2009, ddng thdi xem xet ngay cac d i l u kien d l ling vd'n nam 2010. Nam 2009, ngudn vd'n dau tu rit \im va r i t nhieu ngudn khae nhau, viee kilm Ka, ddn ddc gidi ngan td't se Id nhiem vu quan trpng gdp phan tang trudng hieu qua cua ddu tu. That chat ehi tieu \ a dau tu cdng, nghien cuu chuyen d i u tu
Nam dang ed Icri the nay va vi vay cin tan dung tdt co hpi.
• Cd phuong an eo ciu lai n i n kinh tl, dae biet la ddi mdi va hoan tbien the che, chuyen ddi co ciu sin xuit, eo cau dau tu, dao tao ngudn nhan lyc. D i y manh tie'n trinh ed p h i n boa va cii each khu vuc DNNN.
• Thanh lap co quan giam sat bdn hpp lien ngdnh de tang eudng giam sat cac gdi kich c i u , trong dd ed gdi kich ciu b i n g bd trp lai suit dam b i o hieu qua, cdng khai, minh bach.
• D i y manh tien trinh eii each hanh chinh, dae biet la eii each tbii tue banb ehinh theo budng dem gian,
hieu qua, minh bach. ^ Tdi lieu tham khdo:
1. "Bio eio mdt sd linh hinh ve kinh te quy I, dl/ bao quy II va ci nam 2009" - Trung tim Thdng tin dw bao kinh le - xa hdi qudc gia.
2. T^p chi Tii chinh sd 5 nim 2009.
3. "Suy thoii kinh te loan ciu va tic ddng ddi v&i Vidt Nam"- Tai lidu tham khao cua Thdng lin xa Vi$l Nam
Tii Cllinll THANQ 6/2009
