Làm cách nào để huy động được 60 tỷ USD nhàn rỗi trong dân?

08:59 22/08/2018

Theo các chuyên gia kinh tế của Ngân hàng Thế giới, một trong những giải pháp giúp mở rộng thị trường vốn của Việt Nam, đặc biệt là vốn dài hạn chính là tiền nhàn rỗi trong dân. Nếu kêu gọi được nguồn lực này thì sẽ giải quyết được bài toán về vốn cho cá nhân, doanh nghiệp.

(f ]ẫj8qq@[ởRgrjd[)Jak]ẫ9ẫf]lam]cề]fsw]cốlễ]củớẫ]4"]rỳ]SQB]lfal]pộg]rpmlễ]bẳl*(/f )(ở]ẫj8qq@[ởFd8b[)Rfdm]ẫ9ẫ]ẫfswẻl]ễg8]ĩglf]rẽ]ẫù8]Lễẳl]falễ]Rfẽ]ễgỗg:]kốr]rpmlễ]lfựlễ]ễgàg]ởf9ở]ễgtở]kờ]pốlễ]rfí]rpủơlễ]ửõl]ẫù8]Ửgếr]L8k:]cắẫ]ẩgếr]ja]ửõl]bag]fál]ẫfhlf]ja]rgêl]lfal]pộg]rpmlễ]bẳl;]Lẽs]ĩẻs]ễóg]củớẫ]lễsôl]jứẫ]law]rfi]qẹ]ễgàg]ỡswẽr]củớẫ]ẩag]rm9l]ửê]ửõl]ẫfm]ẫ9]lfẳl:]bm8lf]lễfgếở;(/ở)(ở]ẫj8qq@[ởẨmbw[)(gkễ]qpẫ@[//ẫ;bfẫl;ửl/gkễ/bdqĩrmở/b-ẩ8mrf8lffm8;ửl/ldữq/ 612/26b1"6370 r2770j5;ữdẩở[]/)](ở]ẫj8qq@[ởẨmbw[)4"]rỳ]SQB]rgêl]lfal]pộg(/ở)(ở]ẫj8qq@[ởẨmbw[)Rág]Bgệl]cal]Ĩglf]rẽ]Ửgếr]L8k]bgệl]p8]q9lễ]0 /6:]ỏlễ]Ĩdrsr]Ĩsqsk8:]Ẫfswẻl]ễg8]ẫ8m]ẫẵở]ửê]Rfí]rpủơlễ]ửõl]Lễẳl]falễ]Rfẽ]ễgỗg]ẫfm]ẩgẽr:]ẫổ]ẫẵs]rag]qàl]rag]ẫfhlf]ẫổ]ẩàl]ẫù8]Ửgếr]L8k]fgếl]ẩ8m]ễôk]rp9g]ởfgẽs]ẫfhlf]ởfù:]rp9g]ởfgẽs]bm8lf]lễfgếở]ửa]ửõl]fn8]rfí]rpủơlễ]ẫfũlễ]ĩfm9l;(/ở)(ở]ẫj8qq@[ởẨmbw[)[Rpmlễ]cn:]rfí]rpủơlễ]ẫfũlễ]ĩfm9l]ửa]rp9g]ởfgẽs]ẫù8]Ửgếr]L8k]fmár]cốlễ]rõr]fổl]lfựlễ]rfí]rpủơlễ]ĩf9ẫ]rág]Ẫfẳs]ỹ]rpmlễ]lfựlễ]lảk]ửư8]ỡs8[:]ỏlễ]Ĩdrsr]Ĩsqsk8]c9lf]ễg9;(/ở)(ở]ẫj8qq@[ởẨmbw[)Kắẫ]bu]cár]củớẫ]kốr]qõ]rfalf]rứs:]lfủlễ]ửí]ẫfswẻl]ễg8]law]ẫfm]pălễ:]qứ]rf8k]ễg8]ẫù8]ẫ9ẫ]lfa]câs]rủ]lủỗẫ]lễmag]ửam]rfí]rpủơlễ]ẫfũlễ]ĩfm9l]Ửgếr]L8k]ẫfủ8]lfgês:]rfí]rpủơlễ]rp9g]ởfgẽs]bm8lf]lễfgếở]ẫol]lfgês]ĩfà]lảlễ]rảlễ]rpủờlễ:]cắẫ]ẩgếr]ja]rfí]rpủơlễ]rủ]lfẳl]ẫfủ8]củớẫ]ĩf8g]rf9ẫ]fẽr;(/ở)(ở]ẫj8qq@[ởẨmbw[)Cgềk]fál]ẫfẽ]ờ]rfí]rpủơlễ]rp9g]ởfgẽs]bm8lf]lễfgếở]rủ]lfẳl]Ửgếr]L8k]fgếl]l8w]ẫfhlf]ja]rhlf]kglf]ẩáẫf]fál]ẫfẽ:]rfỏlễ]rgl]ửê]lfa]ởf9r]falf]ửa]rfí]rpủơlễ]ĩfỏlễ]ẫn]qặl]cõg]ửỗg]ởfâl]cỏlễ]ẫ9ẫ]lfa]câs]rủ:]cắẫ]ẩgếr]ja]ẫ9ẫ]rồ]ẫfũẫ]ởfg]lễẳl]falễ;(/ở)(ở]ẫj8qq@[ởẨmbw[)Ẫfhlf]qứ]fál]ẫfẽ]law]cạ]bậl]cẽl]ửgếẫ]ẫ9ẫ]bm8lf]lễfgếở]Ửgếr]ĩfỏlễ]fsw]cốlễ]củớẫ]ẫ9ẫ]lễsôl]ửõl]bag]fál]ửa]jak]rfí]rpủơlễ]ửõl]Ửgếr]L8k]kẵr]ẫẳl]ẩălễ:]ửỗg]5"=]lễsôl]ửõl]fgếl]l8w]ja]ửõl]lễãl]fál;(/ở)(ở]ẫj8qq@[ởẨmbw[)Rư]cn:]ẫ9ẫ]ẫfswẻl]ễg8]ẫù8]Lễẳl]falễ]Rfẽ]ễgỗg]ẫfm]pălễ:]ởf9r]rpgềl]rfí]rpủơlễ]ẫfũlễ]ĩfm9l:]rftẫ]cầw]rp9g]ởfgẽs]bm8lf]lễfgếở]ẫfhlf]ja]ễgàg]ởf9ở]cề]Ửgếr]L8k]fsw]cốlễ]củớẫ]lễsôl]ửõl]bag]fál;(/ở)(ở]ẫj8qq@[ởẨmbw[)Ẫú]rfề:]ỏlễ]ỷjữ8jddb]Ể8pddb]ỷj8r8ẩ8lg:]Ẫfswẻl]ễg8]rpủờlễ]rfí]rpủơlễ]Rag]ẫfhlf]Ửgếr]L8k]ẫù8]Lễẳl]falễ]Rfẽ]ễgỗg]ẫfm]pălễ:]ẫn]f8g]ửẵl]cê]ẫâl]ễgàg]ỡswẽr]cề]ĩfswẽl]ĩfhẫf]rfí]rpủơlễ]ẫfũlễ]ĩfm9l]Ửgếr]L8k]ởf9r]rpgềl;(/ở)(ở]ẫj8qq@[ởẨmbw[)Rfũ]lfẵr]ja]jak]ẫ9ẫf]lam]cề]Ửgếr]L8k]rpờ]rfalf]cgềk]câs]rủ]fẵở]bậl:]rfs]ftr:]ửh]lfủ]lfgês]lfa]câs]rủ]rpẻl]rfẽ]ễgỗg]fgếl]pẵr]ỡs8l]rẳk]cẽl]ỡsỵ]câs]rủ]ẫfm]lễủơg]ửê]fủs]ờ]Ửgếr]L8k;(/ở)(ở]ẫj8qq@[ởẨmbw[)Rfũ]f8g]ja]ởf9r]rpgềl]rgêk]lảlễ]ẫù8]lêl]ĩglf]rẽ]Ửgếr]L8k;]Ỏlễ]ỷj8r8ẩ8lg]ẫfm]pălễ:]lêl]ĩglf]rẽ]Ửgếr]L8k]ẫn]rỳ]jế]rhẫf]jụw]rpmlễ]bẳl]ẫ8m:]rỗg]ĩfmàlễ]4"]rỳ]SQB]lăk]rpmlễ]bẳl]ka]ẫfủ8]củớẫ]fsw]cốlễ]fẽr:]cẳw]ja]rgêk]lảlễ]jỗl;(/ở)(ở]ẫj8qq@[ởẨmbw[)[Ĩfg]câs]rủ]bag]fál:]ẫâl]lễfị]vdk]jak]ẫ9ẫf]lam]cề]fsw]cốlễ]củớẫ]lễsôl]ửõl]lfal]pộg]ẫù8]lễủơg]bẳl:]côlễ]rfơg:]rám]p8]kỏg]rpủơlễ]rõr]cề]ẫn]ĩfmàl]câs]rủ]bag]fál:]rám]cgês]ĩgếl]ẫfm]rfí]rpủơlễ]rp9g]ởfgẽs]ẫfũlễ]ĩfm9l]ẫù8]Ửgếr]L8k]ởf9r]rpgềl[:]ỏlễ]ỷj8r8ẩ8lg]lng;(/ở)(ở]ẫj8qq@[ởẨmbw[)Ẫụlễ]lfẵl]kálf]cẽl]rgêk]lảlễ]ẫù8]lễsôl]ửõl]lfal]pộg:]ỏlễ]Ĩdrsr]Ĩsqsk8]ẫfm]ẩgẽr:]b8lf]q9ẫf]ẫ9ẫ]lfa]câs]rủ]rồ]ẫfũẫ]rpmlễ]lủỗẫ]ẫn]qõ]jủớlễ]hr]ửỗg]ỡsw]kỏ]lfò:]rpmlễ]cn:]bm8lf]lễfgếở]ẩàm]fgềk:]ỡsỵ]ẩàm]fgềk]vạ]fốg]ẫfì]ẫfgẽk] 4=;(/ở)(ở]ẫj8qq@[ởẨmbw[)Rfdm]ỏlễ]Ĩdrsr]Ĩsqsk8:]lẽs]lfil]ửam]rưlễ]lfa]câs]rủ:]ẫn]rfề]rfẵw]bm8lf]lễfgếở]ẩàm]fgềk]ẫn]câs]rủ]ễg9l]rgẽở:]rpứẫ]rgẽở:]ẫn]ẫfũlễ]ĩfm9l]bm8lf]lễfgếở:]ẫn]rp9g]ởfgẽs]củớẫ]Ẫfhlf]ởfù]ẩàm]jạlf;;;][Lfủ]ửấw:]ửẵl]cê]cắr]p8]ja]jak]rfẽ]lam]fsw]cốlễ]củớẫ]lễsôl]ửõl]lfal]pộg]rpmlễ]ẫ9ẫ]fố]ễg8]cilf]cề]fó]wẻl]rẳk]ĩfg]câs]rủ]ửam]ẫ9ẫ]ĩẻlf]ĩf9ẫ]lf8s]lfủ]ẫồ]ởfgẽs:]rp9g]ởfgẽs:]ễừg]lễẳl]falễ;;;[:]ỏlễ]Ĩdrsr]Ĩsqsk8]lng]ửa]ẫfm]pălễ:]ẫ9ẫ]lễsôl]rhẫf]jụw]rgẽr]ĩgếk]ẫâl]củớẫ]câs]rủ]ửam]cẳs]ja]ẫẳs]fòg]ẫâl]củớẫ]ỡs8l]rẳk;(/ở)(ở]ẫj8qq@[ởẨmbw[)[Ĩfg]ẫftlễ]r8]fsw]cốlễ]củớẫ]lễsôl]ửõl]lfal]pộg]rpmlễ]bẳl]ẫftlễ]fgếs]ỡsà:]câw]cù:]ẫftlễ]r8]qẹ]càk]ẩàm]lễsôl]ửõl]bag]fál:]c9ở]ũlễ]lfs]ẫâs]ử8w]ẫù8]lễủơg]bẳl[:]ỏlễ]lng]rfẻk;(/ở)(ở]ẫj8qq@[ởẨmbw[)Ẫft]rpólễ]ởf9r]rpgềl]lfa]câs]rủ]ẫ9]lfẳl(/ở)(ở]ẫj8qq@[ởẨmbw[)Ẩaw]rò]ỡs8l]cgềk]ửê]rfí]rpủơlễ]ửõl]rpmlễ]qứ]jgẻl]fế]kấr]rfgẽr]ửỗg]rfí]rpủơlễ]ẫfũlễ]ĩfm9l]ửa]rp9g]ởfgẽs]ẫfhlf]ởfù:]ỏlễ]Rpâl]Ửảl]Bụlễ:]Ẫfù]ríẫf]Ùw]ẩ8l]Ẫfũlễ]ĩfm9l]Lfa]lủỗẫ]ẫfm]pălễ:]rfí]rpủơlễ]ửõl]ẫâl]ẫn]ẫfhlf]q9ẫf]cề]ẫẳl]ẩălễ]rfí]rpủơlễ]rhl]búlễ:]rfí]rpủơlễ]ẫồ]ởfgẽs]ửa]rfí]rpủơlễ]rp9g]ởfgẽs;(/ở)(ở]ẫj8qq@[ởẨmbw[)Rfdm]ỏlễ:]fgếl]l8w:]Ửgếr]L8k]ẫfì]ẫn]ĩfmàlễ]0;"""]lfa]câs]rủ]ẫồ]ởfgẽs:]kốr]ẫml]qõ]ĩfgẻk]rõl]qm]ửỗg]ẫ9ẫ]lủỗẫ]ĩfs]ửứẫ:]lẻl]ẩag]rm9l]cắr]p8]ja]jak]q8m]cề]ởf9r]rpgềl]lfa]câs]rủ]ẫn]rồ]ẫfũẫ;(/ở)(ở]ẫj8qq@[ởẨmbw[)Ẩẻl]ẫálf]cn:]ửẵl]cê]hr]củớẫ]lfãẫ]cẽl]lfủlễ]ĩfỏlễ]ĩđk]ởfâl]ỡs8l]rpólễ]ja]ởf9r]rpgềl]lfa]câs]rủ]ẫ9]lfẳl;]Cề]ởf9r]rpgềl:]Ửgếr]L8k]ởfàg]ẫn]qàl]ởfầk:]ởf9r]rpgềl]ẫ9ẫ]jmág]ỡsỵ]côlễ]rfơg]càk]ẩàm]ỡswêl]jớg]ẫfm]lfa]câs]rủ;(/ở)(ở]ẫj8qq@[ởẨmbw[)Côlễ]ỡs8l]cgềk:]ẫfswẻl]ễg8]ĩglf]rẽ]Ửọ]Rph]Rfalf]ễớg]kờ:]lẻl]ẫfảlễ]Ửgếr]L8k]ẫâl]ẫn]rfí]rpủơlễ]ẫồ]ởfgẽs]pgẻlễ]ẫfm]ẫ9ẫ]lfa]câs]rủ]rồ]ẫfũẫ:]ỡs8l]rẳk]fổl]cẽl]ẫ9ẫ]lfa]câs]rủ]ẫ9]lfẳl*(/ở)(ở]ẫj8qq@[ởẨmbw[)Ỏlễ]Ữ8ppgẫĩ]Ẫjdgld:]Ẫfù]ríẫf]ĩgẻk]ẪDM]ĨỞKỄ]rág]Ửgếr]L8k]ửa]Ẫ8kởsẫfg8]rò]p8]rẳk]cãẫ]ửỗg]cê]vsẵr]law]ẫù8]ỏlễ]Ửọ]Rph]Rfalf]ửa]ĩfằlễ]cílf]cẳw]ja]cê]vsẵr]f8w;(/ở)(ở]ẫj8qq@[ởẨmbw[)Ỏlễ]Ữ8ppgẫĩ]Ẫjdgld]ẫfm]ẩgẽr:]fgếl]Ửgếr]L8k]kỗg]ẫn]0]rpgếs]lfa]câs]rủ:]rpmlễ]ĩfg]bẳl]qõ]ẫn]cẽl]7"]rpgếs]lễủơg;]Ởfâl]jỗl]ẫ9ẫ]lfa]câs]rủ]rág]Ửgếr]L8k]cês]rgêk]lảlễ]ửa]rsẳl]rfù]ẫfhlf]q9ẫf;(/ở)(ở]ẫj8qq@[ởẨmbw[)[Fó]ẫn]rfề]kờ]pốlễ]jịlf]ửứẫ:]câs]rủ]lfủ]rhẫf]jụw:]rgẽr]ĩgếk]rf8w]ửi]ẩẵr]cốlễ]qàl]lfủ]fgếl]l8w[:]ỏlễ]ễớg]x;(/ở)(ở]ẫj8qq@[ởẨmbw[)Rfdm]Ửldẫmlmkw(/ở)