N x u t i cc cng ty cho thu ti chnh ln g n 50%

T l ny cao g p 15 l n m c trung bnh (3,11%) c a h th ng cc t ch c tn d ng, theo bo co m i cng b c a y ban Gim st Ti chnh Qu c gia. > N x u trn th tr ng lin ngn hng > Nhi u nh u t 'khoi' mua l i n x u > 1/4/2012: 'Ngn hng ph i ng nh t chu n n x u'
Bo co nh d ng h th ng t ch c tn d ng v a c y ban Gim st ti chnh qu c gia cng b cho th y s li u r t ng quan ng i v tnh hnh ho t ng c a cc cng ty cho thu ti chnh t i Vi t Nam.

G n m t n a d n c a cc cng ty cho thu ti chnh l n x u. nh minh h a: Hong H C th , t l n x u (n d i chu n, nghi ng ho c hi n h u kh n ng m t v n) c a cc n v ny, tnh n gi a n m 2011, ln t i 45,38% t ng d n . Trong khi , t l bnh qun ton ngnh ngn hng ch l 3,11% ( u tnh theo chu n k ton c a Vi t Nam). T ng ti s n c a cc cng ty ny t 19.242 t ng t i cng th i i m nh ng v n ch s h u m 2.174 t ng. Trong khi , h s an ton v n (CAR - v n t c trn t ng ti s n c r i ro)

t i cc t ch c ny ang m c -10,92%, km xa so v i m c trung bnh c a ton h th ng l 11,67% c ng nh m c t i thi u 9% theo quy nh hi n hnh. Theo s li u c ki m ton cng b un m Tuy khng a ra s li u c th nh ng theo Ph 2011, ring Cng ty Cho thu ti chnh II ch t ch y ban Gim st ti chnh - H Huy Agribank (ACL II) c v n i u l 350 t ng Tu n ph n l n s n x u ny thu c trch nhi m nh ng huy ng h n 11.000 t ng trong c a cc cng ty cho thu ti chnh tr c thu c giai o n 2008-2009. D n tnh n th i i m Ngn hng Nng nghi p v Pht tri n nng ki m ton c a doanh nghi p l 11.500 t ng. thn (Agribank) : "Chnh s n kh i t i cc L n m 2009 kho ng 3.000 t . i u tra ban u n v ny y t l n x u chung c a h c a c quan ch c n ng cho th y nhi u sai ph m th ng cc cng ty cho thu ti chnh ln cao", trong qu n l t i doanh nghi p ny. Ti n s H Huy Tu n cho bi t. Phn tch su h n v hi n t ng ny, nguyn B tr ng Th ng m i Tr ng nh Tuy n cho r ng cc cng ty cho thu ti chnh hi n ho t ng trong m t khun kh php l ch a y , cc i u ki n v qu n tr r i ro ch a t chu n c ng nh khng theo k p cc ngn hng nn r t d x y ra r i ro (c v k thu t l n o c) trong qu trnh cho vay. Chia s quan i m ny, Ch t ch y ban Gim st tu chnh qu c gia - V Vi t Ngo n th a nh n hi n t ng cho vay n i b v n th ng x y ra t i cc cng ty cho thu ti chnh. "Do cho vay n i b nn cc quy trnh ki m nh r i ro th ng r t d di v khng c l p, d n n nguy c n x u t ng cao", ng phn tch. Tuy nhin, theo Ti n s V Vi t Ngo n, kh kh n c a cc cng ty cho thu ti chnh c ng m t ph n do vi c ch a l a ch n ng i t ng khch hng. Cc n v ny hi n v n ho t ng nhi u trong cc l nh v c cho vay truy n th ng, g n v i ngn hng nh ng l i khng th c nh tranh v i nh b ng do ngu n l c y u h n nhi u (cng ty cho thu ti chnh khng c huy ng v n ng n h n t dn c ). C ng theo phn tch c a cc chuyn gia, t l n x u c a cc doanh nghi p ny tuy m c r t cao nh ng ch a tr c ti p nh h ng t i an ton ton h th ng b i v i ti s n t trn 19.200 t ng, cc cng ty cho thu ti chnh hi n ch chi m h n 4% t ng ti s n c a cc t ch c tn d ng. "Cc doanh nghi p c ng nh th tr ng cho thu ti chnh hi n v n r t nh b nn s n x u tuy t i v n ch a ph i m c nguy hi m. Tuy nhin y l m t bi h c l n c n xem xt n u Vi t Nam mu n pht tri n th tr ng ny trong t ng lai", Ti n s C n V n L c, C v n cao c p c a Ch t ch H i ng qu n tr BIDV xu t. Hi n tr ng ti chnh ngnh ngn hng (S li u tnh n 30/6/2011) T ch c tn d ng Ton ngnh NH th ng m i nh n c V n CSH T ng ti s n CAR (h s an toon v n) T l n x u 378.630 107.820 4.493.556 1.727.810 11.67% 8,68% 3,11% 3,58%

% Ton ngnh NH c ph n % Ton ngnh NH lin doanh NH 100% v n n Chi nhnh NH n Cng ty ti chnh Cng ty cho thu ti chnh c ngoi c ngoi

28,48% 174.616 46,12% 12.199 17.716 47.135 21.316 -2.174

38,45% 2.074.314 46,16% 51.702 120.630 342.731 156.619 19.242 15,98% -10,92% 33,55% 21,7% 3,53% 0,86% 1,36% 3,03% 45,38% 13,5% 2,12%

Ngu n: y ban Gim st ti chnh qu c gia ( nv:T ng) Cho thu ti chnh l ho t ng tn d ng trung v di h n thng qua vi c cho thu my mc thi t b , ph ng tin v n chuy n v cc ng s n khc trn c s h p ng cho thu. Bn cho thu (cng ty cho thu ti chnh) l cc t ch c tn d ng phi ngn hng v bn thu l th ng l doanh nghi p.

DANH SCH CNG TY CHO THU TI CHNH ( n 31/12/2011)

S T T

Tn Cng ty Cho thu ti chnh

S v ngy c p Gi y php

Tr s chnh

V n i u l

Cty TNHH m t thnh vin NH S : 08/GPu t v Pht CTCTTC ngy tri n Vi t Nam 27/10/1998 BIDV Leasing Financial Company

To nh 472 472A-472C Nguy n Th Minh Khai, 447 t Ph ng 2, Qu n 3 TP.H Ch

ng

Ltd T: 2200599; Fax: 2200600. Cty TNHH m t thnh vin CT TC NH Ngo i th ng Vi t Nam 2

Minh

S : 05/GPVCB Leasing CTCTTC ngy 25/5/1998 Company Limited T: 9289289; Fax: 9289150. Cty CTTC TNHH 01 TV NHTMCP Cng th ng Vi t Nam

T ng 3 To nh 10b Trng Thi, Hon Ki m, H N i

500 t ng

Industrial and Commercial Bank of Vietnam Leasing Company Limited. T: 7331985; Fax: 7342949. Cty CTTC I NH Nng nghi p & PTNT Agribank no.1 Leasing Company T: 5745425 Fax: 5745431. Cty CTTC II NH Nng nghi p & PTNT Agribank no.2 Leasing Company

S : 04/GPCTCTTC ngy 20/3/1998

16 Phan nh Phng, Ba nh, H N i

800 t ng

S : 06/GPCTCTTC ngy 27/8/1998

4 Ph m Ng c Th ch, ng 200 t a, H N i

ng

S : 07/GPCTCTTC ngy 27/8/1998

422 Tr n H ng o, ph ng 2, Q 5, TP HCM

350 t ng

Tel: 9241110; Fax: 9241112

Cty CTTC ANZV/TRAC (100% v n n c ngoi) 6 ANZ/V-TRAC Leasing Company Tel: 9285796; Fax: 8287329. Cty TNHH cho thu ti chnh Qu c t VN (100% v n n c ngoi) Vietnam 7 International Leasing Company Limited Tel: 8232788 Fax: 8232789 Cty CTTC Kexim (100% v n n c ngoi) 8 Kexim Vietnam Leasing Company Tel: 8257000 Fax: 8230854

14 L Thi T , Hon Ki m, ngy19/11/1999 H N i

S :14/GPCTCTTC

103 t ng

S : 117/GPNHNN ngy 24/4/2008 (C p l i)

P 902 Centre Tower 72-74 150 t Nguy n Th ng Minh Khai, Ph ng 6 Qu n 3 TP HCM

S : 02/GPCTCTTC ngy 20/11/1996

T ng 9 Diamond Plaza, 34 L Du n, Q 1, TP HCM

13 Tri u USD

Cty TNHH m t thnh vin CTTCNgn hng Si gn Th ng tn 9 Sacombank Leasing Limited Company T: 9144494; Fax: 8211472 Cty TNHH CTTC Qu c t Chailease (100% v n n c ngoi) Chailease 10 International Leasing Company Limited T: 39106650; Fax: 39106649. Cty TNHH m t thnh vin CTTC Ngn hng 11 Chu Asia Commercial Bank Leasing Company Limited. Cty TNHH m t thnh vin CTTC Cng nghi p Tu 12 thu VINASHIN Finance Leasing Company Limited

S 04/GPNHNN ngy 12/4/2006

87a, 89/3, 89/5 Hm nghi, ph ng Nguy n Thi Bnh, Q 1. TP HCM

300 t ng

S 09/GPNHNN ngy 09/10/2006

Phng 280104 t ng 28, Si Gn Trade Centre, 37 Tn c Th ng, ph ng B n Ngh, Q 1, TP HCM

10 tri u USD

S 06/GPNHNN ngy 22/5/2007

131 Chu V n Lim, ph ng 14, qu n 5, TP HCM

200 t ng

S 79/GPNHNN ngy 19/3/2008

T ng 1 v T ng 2 To nh 34T, Khu th Trung ho - Nhn chnh, qu n C u gi y, thnh ph H

200 t ng

N i