HOAT OONG
NGAN HANG •
TOA DAM
Ve trien khai thirc hien gdi giai phap kich can ciia Chinh phii
N C A Y 2 3 / 4 / 2 0 0 9 , TAI H A N C I , H l t P Hdi N G A N H A N G V I E T NAM (HHNHVN) OA PHOI HOP V6l N G A N H A N G P H A T
TRI^N V I ^ T N A M (VDB) l6 CHUC BUOI TOA O A M V ^ T R I ^ N KHAI THLTC HI^N GOI GlAl P H A P KJCH cAu CUA CHiNH PHU.
T
pa ddm cd su tham du cua dai didn cdc hidp hdi doanh nghidp, hidp hdi cdc ngdnh hdng, dai didn Ngdn hang Nha nude, Bd Kd hoach va Oau tu, Bd Lao ddng - Thudng binh va Xa hdi (LOTB&XH) eiing cac eo quan tiidng tan bao ehi. Ba Duong Thu Huong, Uy vidn Hdi ddng Hiep hgi, Tdng Thu ky HHNHVN vd dng Nguyen Quang Dung, Td'ng Gidm ddc VDB ddng chii tri budi toa ddm.Trong bdi cinh eiia cudc khiing hoing tdi chinh todn eau tdc ddng den ndn kinh te Vidt Nam vd inh hudng tore tidp ddn vide sin xud't kinh doanh cua tifng doanh nghiep (DN), dd ngdn chdn inh hudng cua cudc dai khung hoing tdi chfnh todn cau tdi Vidt Nam, ngdn chan da suy giim kinh td, dam bio an sinh x i hdi..., Chfnh phii da kjp thdi dua ra cic gdi giii phip kfeh eau thdng qua cic hinh thdc gidn thud, mien thud, hd tig ldi su^t, cho vay khdng iai, bio lanh ti'n dung, h6 Irgxuat khau... dd giup DN vugt qua luc khd khdn ndy Vd finh vuc ngdn hdng, ti/
thdng 1-4/2009, Chfnh phii dd ban hanh mdt loat cdc quydt djnh hd trg nhu Quydt djnh 131 hd trg Idi suit eho vay ngdn ban eho eac doanh nghiep, Quydt dinh 443 hd tig lai suit eho vay trung dai ban, Quyet djnh 14 bio lanh tin dung cho DN vay vdn ngan hang;
Quye't dinh 60 sifa ddi bd sung Quyet dinh 14 vd bao lanh tfn dung, Quyet dinh 30 hd trg ddi vdi ngudi lao ddng mlt vide lam tiong DN gap khd khan do suy giim kinh te, eho vay vdi ldi suit blng 0, Quye't dinh 497 hd trg lai sua't vay mua may mdc, thiet bj vat tu phuc vu sin xua't ndng nghidp, vat lieu xdy dung nhd d viing ndng thdn... Cdc quydt djnh ti-dn dd vd dang di vdo cudc sdng song ti-ong qud tiinh tridn khai, chic chin se niy sinh nhiJng vudng mlc, khd khan. Chfnh vi vay, theo bd Duong Thu Huong, Tdng Thu ky HHNHVN: ti-ong linh vuc hep ciia toa dam cdc van dd thudc Ngdn hdng Phat tiidn (VDB), tga dam cd muc dfeh dd VDB gidi thidu tiao ddi cdc eo chd hd ti-g ma VDB dugc giao dim nhidm vd ling nghe cac y
kien vudng mlc trong qud tiinh thue hidn dd eiing nhau thdo gd hoac tiinh Chinh phj thdo gd kjp tiidi dd ehinh sdeh di vao cudc sdng ed hidu qui eao nhat, gdp phin thuc day san xuat kinh doanh phdt ti-idn, dam bao an sinh xd hgi.
Cac dai bidu tnam gia tga dam da hoan nghenh nhung quyet dinh vd nhiing gdi giii phap ma Chfnh phu dd tridn khai trong thdi gian qua dd co bin hodn chfnh cac didu kien dd ngan chan suy giam kinh te, ddng thdi da thing thin danh gia tinh hinh thuc hidn cae giii phap kfeh cau ciia Chfnh phii, die bidt Id vide tiidn khai Quy chd bao Idnh cho DN vay vdn eiia NHTM ban hanh kdm tiieo Quydt djnh sd 14/2009/QD-TTg ngay 21/01/2009 eua Thu tudng Chfnh phii; eho vay vdn dd tiianh todn ng luong, ng bio hidm xa hdi (BHXH), tig cap tiidi vide ddi vdi ngudi lao ddng bi mat vide Idm tiong DN gdp khd khan do suy giim kinh td theo quy dinh tai Quyet djnh sd 30/2009/QD-TTg ngay 23/02/2009 cua Thii tudng Chinh phu; vide
IHI IRUONG iiil CHlNH IlfN If • S< 9(282) • 1/5/2009
-HOAT OONG N G A N H A N G
tridn khai hd tig ldi suat cho vay trung, dai ban theo Quyet djnh sd 443/QO-TTg ngay 04/4/2009 eiia Thii tudng Chinh phii. Cdc dai bidu tham gia tga ddm cung dd ciing nhau trao ddi nhifng khd khan, vudng mlc phdt sinh trong thuc te vd de xua't cac giai phdp nham ti-idn khai thuc hien kjp thdi, ed hieu qui cdc gdi kich eau eiia Chfnh phu, gdp phan ngan chdn suy giam kinh te, duy tri tang ti-udng kinh te, dam bao an sinh xa hdi.
Tinh hinh trien khai nhiem vu bio lanh cho DN vay vdn cua NHTM theo Quyet djnh sd 14/2009/QO-ng
Sau khi ban hdnh cac hudng ddn nghiep vu, tap huan trong toan nganh vd ehi dao cac ehi nhanh VDB tinh, thanh phd tiien khai thue hidn, phdi hgp vdi UBND cdc tinh phd bidn rdng rai den cgng ddng doanh nghiep;
td chuc tga dam vdi cdc NHTM tai Ha fvlgi va TR Hd Chi Minh dd dua ra bien phap hd trg DN tdt hon, den nay, VDB da phat hanh 266 thdng bao chap nhan bao lanh vdi sd tien 1.872 ty ddng va phat hdnh 150 chirng thu bao Idnh vdi sd tidn 931 ty ddng. Tu chdi bao lanh 35 hd so bao lanh. Hien nay, VDB dang tham djnh 318 hd so vdi sd tidn de nghj bio lanh la 2.322 ty ddng.
VDB cung dang khan truong tridn khai hudng dan bd sung, sira ddi nghiep vu nay theo Quyet djnh sd 60/2009/QD-TTg ngdy 17/4/2009 cua Thii tudng Chfnh phii tao didu kidn hon nifa cho eac DN tiep can dugc vd'n vay eiia cae NHTM dd phdt tridn sin xua't kinh doanh.
Ve trien khai nhiem vu cho DN thanh toin lUdng, BHXH, trd cap thoi viec theo Quyet djnh sd30/2009/QO-ng
Thuc hien Quydt djnh sd 30/2009/QO- TTg ngdy 23/02/2009 eiia Thu tudng Chfnh phii vd vide hd tig ddi vdi ngudi lao ddng bj mat vide Idm trong DN gap khd khdn do suy giam kinh td, dd'n nay, qua kidm tra hd so vay vdn ciia cae DN giri ddn VDB, cd 37 DN diing ddi tugng vay vd'n theo quy djnh, ti-ong dd ed 4 DN dd ed xac nhan eiia Sd Tai chfnh, Sd LOTB&XH tinh, thdnh phd. Sd vd'n da dugc VDB giai ngdn dd'n nay la 526 tridu ddng.
Ve ho trd lai suat doi vdi cic khoan vay tai VDB
- Ddi vdi de duin vay vdn dau tutmng,
• IHI IRUdNG lil CHlNH IlfN If • S(S 9(282) • 1/5/2009
dii han.
Theo Quyet djnh sd 443/QO-TTg ngay 4/4/2009 vd vide hd trg ldi sua't eho cac td chirc, ea nhdn vay vdn trung, dai ban ngdn hang dd thuc hien dau tu mdi phdt tridn sin xuat kinh doanh vd Thdng tu sd 05 ngay 7/4/2009 eiia Ngdn hang Nhd nude quy djnh ehi tiet thi hanh Quydt dinh 443, VDB du kien sd vdn NHNN cap hd trg lai sua't trong nam 2009 eho cac du an vay vdn TOOT theo quy djnh khoing 190 ty ddng, tinh den bet nam 2011 du kien khoang 570 ty ddng.
Tuy nhien, do Thdng tu 05 cua NHNN phai ban hanh rat gap nen VDB chua cd dieu kien bao eao day dii vdi NHNN nen VDB da cd dd nghj duge bd sung them mdt sd ddi tugng dugc hudng ldi suit. Neu ddi tugng vay vdn hd trg ldi suit dugc bd sung thi du kien sd vdn VDB de nghj NHNN cap ho trg ldi suit trong nam 2009 Id khoang 770 ty ddng vd dd'n bet nam 2011 khoang 2300 ty ddng.
- Ddi vdi Hi suit cho vay tin dung xuit khau (TDXK)
Ngay 17/4/2009, Bd Tdi chinh da ban hanh Cdng van sd 5612/BTC-TCNH ve lai suit TDXK. Theo dd, ddi vdi eac HOTD xua't khau dugc ky kdt vd giai ngan kd tir ngay 17/04/2009 ddn hdt 31/12/2009 thi iai sua't DN thuc tra cho VDB la 2,9%/nam. Mire ldi suit cho vay TDXK kd tif 01/01/2010 ddi vdi nhung khoan eho vay mdi va ddi vdi nhifng khoan giai ngdn trong 2009 (da duge hudng Idi suit 2,9%)/nam) cdn du ng sang 2010 thuc hien theo chd do quy djnh. VDB du kien ngudn bii lai suit cho vay TDXK khoang 300-400 ty ddng va dugc lay tif ngudn vdn kich cau cue Chinh phu.
Nhuihg vudng mlc, kho khan trong qua trinh thiflc hien:
Trong qua trinh ti-idn khai cdc quydt djnh ti-en cua Chi'nh phii, da xuat hidn mot sd khd khan, vudng mac sau:
Ve viec thuc hien bao linh DN vay vdn tai dc NHTM: Vdi VDB, ddy Id nhidm vu mdi, tridn khai gap, vdi khdch hang rdng Idn tiong c i nude nen khdng khdi ed nhurng lung tung ban dau, nha't la vide hd trg DN, HTX ve xdy dcmg du dn dau tu, phuong an sin xuat kinh doanh dd vay vdn dac bidt la khi nang Ii/c lap du an dau tu, phuong an sin xuat kinh doanh cua DN chua cao, nhat Id
ddi vdi cae hgp tdc xa, do vay vide hodn chinh hd so edn nhidu lung tung, mat nhidu tiidi gian.
Ve wee tht/c hien nhiem vu cho DN vay thanh toin luang, BHXH, trg dp thdi viec, do theo quy djnh ddi tugng vd pham vi dp dung Id cdc DN cd lao ddng mat vide tiong nam 2009 (mdi cd 03 Uidng) ndn sd lieu thdng kd chua cd nhidu. Mat khdc, mdt sd DN eho lao ddng tam ngimg vide, nghi ludn phien hoac eho ngudi lao ddng dang lam vide nhung chi duge hudng luong co bin khdng thudc dd'i tugng hd trg. Ode biet, qua khao sdt tai mdt sd dja bdn eho thay cd nhifng DN cdn tdm ly e de, ngai ngln khi tiep can ngudn vdn vay ndy se inh hudng tdi uy tfn vd thuong hidu, nhi't la vdi nhifng DN Idn, ed thuong hidu tren thj tn/dng.
Ve bii lai suit cho dc khoan vay TDXK, ddi vdi mdt sd chuong trinh va hgp ddng thuc hidn cdc chuong tiinh muc tidu cua Chfnh phii nhu chuong ti-inh cho vay dong tau XK vd CuBa ed thdi gian eho vay dai (1- 5,5 nam), chiem ty trgng Idn trong tdng du ng TDXK (khoing 48%) song chi dugc ho tig trong khoang thOi gian tif 17/4/2009 ddn 31/12/2009, gdy nhidu khd khdn cho DN tham gia cae chuong trinh nay Ngoai ra, theo quy djnh tai Cdng van sd 5612/BTC- TCNH, eac hgp ddng tfn dung ky kdt va giai ngan tif 17/4/2009 thudc ddi tugng hd ti-g lai suit. Nhu vay, so vdi ddi tugng dugc hd trg iai sua't theo Thdng tu 02 ciia NHNN hudng dan Quyet djnh 131 cua Thu tudng Chinh phii (cae hgp ddng tfn dung dugc hd tig lai suat ttf 01/02/2009) thi cae hgp ddng XK vay vdn tai VDB khdng duge hdi td bii Idi suat 2,5 tiidng.
Mot so y kien, de xuat:
Odi vdi Iai suat didu chinh cho cdc du dn vay vdn TDDTtheo Nghj quydt 12/2009/NQ- CP, dd nghj dp dung ddi vdi sd vdn giii ngdn ti-ong khoing thdi gian kd tif thdi didm Quyet dinh ciia Bg trudng 3d Tdi chfnh vd didu chinh giim ldi suit ed hidu li/c tiii hdnh ddn het ngay 31/12/2009. Ttf ndm 2010, tid lai dp c'ung ldi sua't cu theo HOTD da ky. Khfing hdi td ddi vdi cdc khoin dd giii ngdn tiude khi dugc didu chinh lai suit vd mifc Idi suat sau didu chinh Id 6,9%/nam.
Vd lai sua't cho vay TDXK, ddi ^ pCtmt^lrgntill
I
HOAT OONG r ^ NGAN HANG L ^
khdng it ngudi da td ra nghi ngd vd tinh bdn vdng eua su tang ttudng dd. Theo nhdn dinh eiia dng Ld Vdn Cudng-P.Tdng Giam ddc Cdng ty d phan chdng khoan Alpha: "Cho ddn nay chua du co sd dd khdng djnh TTCK- VN se khdi d e trong dai ban. Cd thd, su tang tn/dng ttong thdi gian qua Id do anh hudng ti'eh cue tU su tang ttudng ciia TTCK todn d u , hoac do nhdng thdng tin mang tinh ky thuat nhat dinh, chang ban nhu la didm day da xudng kha sau". Chuydn gia kinh te cao d p Bill Kien Thdnh cung eiing quan didm ttdn khi cho rang "khdng cd eo sd kinh td VF md eho chidu hudng ddng vifng vd khdng quay dau di xudng eiia TTCK". Theo dng Bui Kidn Thdnh, hidn chua ai bidt dugc d i "ddy" cua cudc khiing hoing nam d thdi didm nao, chf bidt rang phfa tn/dc van edn rat nhidu khd khan, thach thdc ddi vdi ndn kinh td thd gidi ndi dung va Vidt Nam ndi ridng.
Thuc td da chdng minh, sau dgt tdng manh dugc xem Id qud ndng, TTCKVN dd bat dau bude vdo dgt didu ehinh giim. Kd td ngiy 17/4 khi chf d ttdn c i hai sin ddu ngap trdn mdu dd, sd lugng nhd dau tu xa hdng dd hidn thuc hod Igi nhuan ri't nhidu, ttong khi
sd luong mua vao lai cd dau hieu giam dan.
SHB - Ngan h^ng tliiJr 3 niem yet tren nCK
Tu ngdy 20/4, sdn Ha Ngi da ddn chao them mot thanh vien mdi Id Ngan hang TMCP Sdi Gon-Ha Ngi (ma chdng khoan:
SHB). Ody cung Id d phieu ngdn hang thd 3 niem yet tten sdn giao djch chdng khoan.
SHB chdo sdn vdi tdng khdi lugng 5 trieu d phieu (tuong duong 500 ty ddng menh gid, bdng 1/4 tdng vdn didu Id). Mac dii chdo sdn dung vao luc thj ttudng didu chinh giam, nhung ngay khi duge dua vao giao djch, SHB dd d tfnh thanh khoin tuong ddi eao vdi tdng cdng ban 2 tiidu d phieu duge khdp Idnh, gid giao djch thdnh cdng binh qudn d mdc 14.400 d/CP. Oidu dd cung mdt phan thd hidn duge nidm tin eiia nhd dau tu ddi vdi d phidu ngdn hdng. Dugc biet, nam 2008, tdng tdi sin eua SHB dat 14.381 ty ddng;
tdng thu nhap ban 1.640 ty ddng; Igi nhuan tn/dc thue dat gan 269 ty ddng; ty Id chia d tdc dat 8%. Muc tieu ciia SHB tiong nam
•2009 ia: tdng tai sin tang 42,5%; Igi nhuan
tivdc ttiue dat 336 ty ddng; ty Id chia d tiic 10,5%. Ben canh do, SHB con du kien se phdt hanh ttai phieu chuydn ddi dd tang vdn didu Id tu 2.000 ty ddng len 3.500 ty ddng.
Sau 3 phien giam didm, den ngay 22/4, TTCK lai tang nhe tid lai tten d hai san, phan anh dung Unh trang len, xudng rat phdp phu.
Tinh den phien giao dich ngay 24/4/2009, ehi sd VN-lndex dong eda d muc 309,9 didm; khdi lugng giao djch dat 28,9 trieu chdng khodn vdi gid tii giao djd dat 627,59 ty ddng.
Tai san Ha Ngi, Haste-Index ddng eda d mdc 110,2 didm; khdi lugng giao dich dat 13,42 ttidu chdng khodn vdi gid ttj giao djch dat 312,6 ty ddng
Trong bdi dnh TTCKVN van cdn tidm d'n nhidu bien ddng khd ludng, d c nhd dau tu d n hdt sde tiidn ttgng, bdm sdt cdc thdng tin kinh td vT md d ttong vd ngodi nude, ddng thdi theo ddi sdt tinh hinh boat ddng eiia d e doanh nghidp dd dua ra quydt djnh eiia minh mdt each chinh xdc, ban chd tdi da nhdng KJi ro thiet bail
L/\MSaN
CHAO MUHG.
tudng Chfnh phu tang Bing khen. Ngodi ra, bd Duong Thu Hudng cdn dd nghi BaoVietBank vd CFC tfch cue hgp tdc, thugng xuydn thdng tin, phin inh vd Hidp hdi nhdng khd khdn, vudng mac ttong boat ddng kinh doanh dd Hidp hdi nam bat kjp thdi vd d nhdng dd xud't phii hgp. Hidp hdi Ngdn hdng Vidt Nam ludn sin sdng hd ttg 2 hdi vidn mdi trong cic mit boat ddng nghidp vu, dio tao, thdng tin tuydn tmydn ttdn Tap chf Thj ttudng Tdi chfnh-Tidn td vd Website eda Hidp hdi...
Nhan djp Ld kdt nap, Idnh dao BaoViet Bank va CFC dd pliit bidu d m on Hdi ddng v i Co quan Thudng tare Hidp hdi Ngdn hang Vidt Nam da quan
• • (Tiep theo trang 4j
tdm, giup dd dd hai ddn vj dugc tham gia trd thanh hdi vidn Hidp hdi, ddng thdi ri't mong nhan dugc-su quan tdm, giup dd nhidu hon nda ciia Hidp hdi Ngdn hdng Vidt Nam thdng qua cdc mat boat ddng ciia Hidp hdi, qua dd gdp phan giiip BaoViet Bank vd CFC tdng bude dn djnh vd ngdy cdng phat tridn vdng manh.
Vdi nhdng kdt qui da dat dugc va vide kdt nap thdm 2 hdi vidn mdi Id BaoVietBank va CFC, Hidp hdi Ngdn hdng Vidt Nam dd thue su trd thdnh mdt td chdc xd hdi nghd nghidp vifng manh, ngdy d n g khdng djnh duge vai ttd, vi thd vd uy tin eua minh ddi vdi ngdnh ngdn hdng vd xd hdi •
MINH PHUDNG
TOA DAM...
chuong tiinh eho vay ddng tdu XK vd CuBa, dd nghi dugc tiiuc hidn hd trg ldi sua't 24 thdng theo Quydt djnh sd 443 eiia Thu tudng Chfnh phii. Do quy djnh chdm, dd nghi Bd Tdi ehfnh xem xet ddi vdi TDXK dugc thue hidn ho ttg Idi sua't nhu ddi v(Ji d c DN XK theo Thdng tu sd 02 cua NHNN (hd ttg ldi sua't vay vdn vdi HOTD ky vd giii ngdn td 01/2/2009).
Vd bao Idnh vay vdn cho cdc DN theo Quydt djnh 14 cua Thii tudng Chinh phii, dd nghj d c DN chii ddng phdi hgp vdi VDB dd duge tu van, rut ngin thdi gian hodn chinh hd sd ddng thdi dd nghi d c NHTM tao didu kidn eho khdch hang trong qud ttinh tidp xuc vdi nghidp vu nay.
Vd vide cho DN vay thanh
(Tiep theo trang 6)
todn luong, BHXH, ttg d p thdi vide theo Quydt djnh sd 30 eiia Thu tudng Chinh phii, dd nghi Bd LOTB&XH d hudng dan vd Bidu sanh sdeh chi tidt kdm theo Phuang dn sip xdp lao ddng dd Sd LOTB&XH xdc nhdn. Dk nghj Bd Tdi ehfnh d van ban hudng dan Thdng tu lidn tich sd 06/2009 gida Bd LOTB&XH vd Bd Tdi chfnh dd Sd Tdi chinh d cdn eu td chdc thue hidn; ngoai ra cGng ban hdnh d e mau bidu va hudng dan eu thd vide xdc nhdn vd cdc ngudn eua DN dd thanh todn tidn luong, ddng BHXH vd tidn ttg d p mat vide Idm hodc ttg d p mat vide Idm hodc ttg d p thdi vide eho ngudi lao ddng bj mat vide ldm«
THANH HUDNG
IHI IRUCNG ])i (HlNH I|(N If • S« 9(282) • 1/5/2009