20-06-2013 2:01:48 p.m.(ĐTCK) How to credit growth achieve targets 12% / years is main problems be Ban Leadership SBV and leadership commercial banks launched dissections at Conference deployment tasks banking sector 6 months Last 2013.
Debt deposition in the field of basic construction is a in those button's constriction the economy
Direction solve has be the commercial banks frankly only out but a times anymore for see, the efforts of banking system difficult can achieve results such as attention if not have the coordination of the sets of, ban sectoral.
Ba Nguyễn Thi Mai Suong, Director SBV TP Hà Nội for know, credit growth 2 first months years negative, but from April start growth back, months follows high more than months before. In the working session directly, not yet have DN any appealed difficulties when approach capital bank which primarily fret about tax, of inventories. Arrival 31/5, the CIs on geographical areas City has transfer interest rates of 75-80% old loans about dark multi 13% / years.
However, Mrs. Suong also admitted: "Credit growth at the CIs longer met many difficulties. There bank complained, in the vetting process customers 4 months early 2013, leadership encounter 519 customers but only have 19 customers good. Song come month end 5 also not yet disbursement be for customers any ".
He Pham Huy Hùng, Chairman of BOD Vietinbank sharing, credit growth still at low levels. SBV need maintain stable monetary policy to DN see clear orientation more than. Dong same time, continue perform control objectives inflation but direction the focus more than for job production development business 6 last months years. Besides that, debt handling bad, liberate of inventories, even sell with low price is those work very need push Quick. Although Government has browse Scheme on debt handling bad, but need have solution strong, demand stimulus investment, consumer.
"Except deduction for setting up risk reserve then only longer from 1.5 to 1.8% interest marginal, low not yet each have, but we must accept. To increase credit, need continue to reduce interest rates down 6% / years ", he Hùng say.
Representative TienPhong Bank, he Nguyễn Hung, Total director stated viewpoint, them I understand the price we pay for bad debt, should at present, most banks are attach importance credit quality. For credit granted hour has closely, more cautious very many. In current context, to credit growth safety then need have the encouragement. For example, if any bank achieve requirements about the safety norms credit, then not be limited while ratio growth 12%.
"Nhịp degrees credit growth recently're good more than, but not yet be such as expectations and this situation also're takes place in main BIDV. There many causes lead to this situation such as health situation DN, ability capital absorption not yet good ... Survey the DN're borrowing BIDV, the only number financial of the DN go down very Quick. Government as well as the banks need have policies appropriate to put capital out economy ", he Phan Duc Tú, General Director BIDV say.
He Tú also emphasized about those barriers related to law. In asset transactions ensure, rights energy of people for borrowing is very low. Mortgage of then but when need its handling shall does not handle be. For example, handling a house mortgage, the CIs must lo conversation in for those who're live in that house.
He Nguyễn Ngoc Bao, Chairman council member Agribank petitions, job perform fiscal policy and money Currency to increase aggregate demand is necessary. But to increase then have 2 van must open, which is the public investment and removing difficulties for DN, special is about asset ensure, if not open be 2 van this then can not credit growth be. Change policies for though mild bit anymore, most is about interest rates, then market will distortion mó. Rate of also need stable, to avoid impact coming billion price, proposal banks focus on 5 objects priority.
And solution from SBV
Conclusion at Conference, Mini Governor of SBV Nguyễn Van Bình for know, Government has proposal National Assembly allows release add or lifting level use government bonds, definitely handling point outstanding debts 95,000 billion contract to build basic . This does not those contributing debt handling bad, which DN longer approach be capital, deployment works new, solve of inventories, create out transfer variables for economy. Number money new mobilized will used to quickly complete the uncompleted projects with which in 2011 temporarily stop and deploy immediately the project have impact lan radiate.
Regarding problem commercial banks proposal continue reduce mobilization interest rate down 5-6% / years to reduce costs, put interest rates for borrowing longer 8-9% / years, Mini Governor of for know, here also is wish want of SBV , but the interest rates only should be applied when economy more stable. Time now, inflation has been curbed, but the ability surges high come back still existence. Must Do star ensure stable inflation long-long, avoid styles of play "ú find", been inflation then lost growth and vice versa.
However, Mini Governor of also analysis, ceiling mobilization interest rate of we at present is 7,5% / years, but the fact, the bank are mobilized below this level. Reduce ceiling down anymore will very risky about mechanism, but if mobilize under ceiling is the activeness of the bank then will have calculation market more than, help formed interest curve, for clearly see banks any has the potential force will be approached capital cheaper prices market. On fact, calculation healthy of banking system has have the improvement, but not yet considerable, not yet evenly.
So, still need maintain ceiling mobilization interest rate (in short-term) longer adjusted or not, they must "heard wait anxiously" add. The commercial banks bases into capacity financial to decisions mobilization capability, for borrowing. SBV currently only regulations ceiling lending interest rate in 4 priority areas. The commercial banks need continue minimize costs to have can reduce interest rates for borrowing, medium contributing solve difficult towel for enterprises, medium reduce counter-feel of society.
"Psychology of people population trust into money copper has improve but not yet stable, if not careful then will re risks. The current problem is need maintain interest rate difference reasonable between USD and VND. From now to Last years, have the ability fell sharply mobilization interest rate foreign currencies, but given moment, level how much, SBV will calculate specific ", Mini Governor emphasized.
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