Danh thue tien gui tiet kiem co dong co kiem chac

Tags: Viet Nam, Luat Thue TNCN, an sinh xa hoi, bat dong san, tien tiet kiem, phai chiu thue, nguoi gui tien, danh thue, tien gui, kiem chac, dong co, chu tich, ngan hang, lam, trieu


Cach day bay nam, tai Ky hop thu 10 Quoc hoi khoa XI dien ra vao thang 10, 11-2006, cac dai bieu dan cu da “mo xe” va thong nhat bac de xuat danh thue tien lai tiet kiem (nam trong du thao Luat Thue TNCN) cua Bo Tai chinh.

» Danh thue tien gui tiet kiem lieu co kha thi?
» Nguoi de xuat danh thue tien tiet kiem noi gi?
» Danh thue tien gui tiet kiem tu 500 trieu dong?

Vay ma nay ong chu tich Hiep hoi Bat dong san TP.HCM lai con dua ra de xuat danh thue thu nhap tien gui tiet kiem tu 500 trieu dong tro len voi ly le “cao ca” la huong dong tien vao san xuat kinh doanh (?!) nhung theo cac chuyen gia thi do la chiec vo nguy trang cho dong co kiem chac.

Danh thue tien gui tiet kiem, co dong co kiem chac?
TS LE XUAN NGHIA, nguyen Pho Chu tich Uy ban Giam sat Tai chinh Quoc gia:
Bat tri ly


Kien nghi nay tac dong truc tiep den nguoi gui tiet kiem la vo ly. Vi no la loai von quyet dinh su ton tai cua he thong ngan hang (NH) thuong mai.

Neu danh may ra chi danh thue loi nhuan cua tien gui tiet kiem chu khong ai danh thue truc tiep vao tien gui tiet kiem ca. Nhung trong dieu kien cua Viet Nam thi ngay ca viec danh vao loi nhuan tien gui tiet kiem cung chua nen.

Nha nuoc da danh thue vao loi nhuan cua doanh nghiep (DN) roi thi ha tat gi danh thue vao loi nhuan tien gui tiet kiem vao luc nay.


Dan chung co toan quyen lua chon linh vuc ma ho dau tu. Trong truong hop khong lua chon duoc ho gui vao NH coi nhu NH lua chon dau tu cho ho. NH cho vay nhu the nao vao loai DN nao la viec cua NH. NH la nguoi phan bo tai chinh hieu qua nhat. Nen chuyen danh thue tien gui tiet kiem khong nen lam va khong the lam.

De khong khuyen khich nguoi gui tiet kiem co nhieu cach nhu ha lai suat tien gui xuong. Chu danh thue tien gui tiet kiem lai la hinh thuc tang lai suat tien gui, lam tang chi phi von va tu do lam tang lai suat cho vay. Cuoi cung DN cha lam duoc gi. Vi toan bo chi phi danh thue do se duoc cong vao chi phi von cua DN.

Danh thue tien gui tiet kiem, co dong co kiem chac?
TS ALAN PHAN, nguyen Chu tich Quy Dau tu Viasa Fund tai Hong Kong:
Lam ap luc len Chinh phu kiem chac loi ich


Hien nay bat dong san dang bo vuc pha san nen ho phai tim moi cach de noi nay noi kia. Tuy nhien, viec thu thue tien gui tiet kiem la khong thuc te. Vi trong thoi buoi kinh te kho khan nay, tang thue nay the kia chi lam cho nen kinh te co cum lai hon la phat trien. Chinh boi vay, de xuat nay chang qua la de lam ap luc len Chinh phu kiem chut loi ich ve minh.

Tren the gioi ho danh thue tren loi tuc. Nghia la anh thu nhap cao anh se bi danh thue cao. Thu nhap it hon se danh thue thap hon.

Da la thue thi phai bang nhau chu khong co chuyen anh nay dong anh kia khong dong. Nguoi gui tien tiet kiem 1 ti chang han duoc lai 10 trieu, cong toan bo thu nhap mot thang nguoi do se phai chiu thue chu khong phai gui tiet kiem se bi danh thue. Tuy nhien, may nguoi giau co tien ti ho cung khong de dang gui tien o ngan hang de ma chiu danh thue ca.


Danh thue tien gui tiet kiem, co dong co kiem chac?
Ba NGUYEN THI CUC, nguyen Pho Tong cuc truong Tong cuc Thue, Chu tich Hoi Tu van thue Viet Nam:
Chua hieu ve thue thu nhap ca nhan!


Nguyen tac neu tinh thue TNCN doi voi nguoi gui tien tiet kiem la tinh tren so lai tien gui ma nguoi gui duoc huong chu khong phai tren so tien gui, chang han nhu voi lai suat tuong ung, so lai hang thang nhan duoc 5 trieu dong, 10 trieu dong,…thi dua vao do moi tinh duoc muc thue. Trong khi do, Hiep hoi Bat dong san TP.HCM de xuat muc tien gui tu 500 trieu dong tro len phai chiu thue la chua co co so, thieu can cu va chua hieu gi ve thue TNCN. Hay noi dung hon la khong co dao ly tinh thue.

Truoc day khi soan thao Du thao Luat Thue TNCN, ban soan thao cung da dua ra viec tinh thue TNCN doi voi nguoi gui tien tiet kiem.

Thoi diem do, muc chiu thue dang o muc 4 trieu dong/thang, giam tru gia canh 1,6 trieu dong/thang, ban soan thao da dua ra muc chiu thue ap dung voi truong hop lai la tren 5 trieu dong/thang, mot nam 60 trieu dong.

Danh thue tien gui tiet kiem, co dong co kiem chac? Chuyen danh thue tien gui tiet kiem khong nen lam va khong the lam Danh thue tien gui tiet kiem, co dong co kiem chac?
TS Le Xuan Nghia
Tuy vay sau khi can nhac, lay y kien cac bo, nganh, chuyen gia va cac doi tuong chiu thue thi thay cach lam nay khong hop ly va khong biet se tien hanh thu ra sao. Tien gui tiet kiem mang dac thu rieng, duoc chia nhieu loai so tung thoi diem, viec xac dinh, tong hop lai binh quan nam rat kho khan, phuc tap.

Sau khi lay y kien tu NH Nha nuoc va cac NH thuong mai cho thay khong the thu lai tu khoan tien tiet kiem nguoi gui va gay kho cho hoat dong NH. Do do, noi dung tinh thue TNCN doi voi loai hinh gui tiet kiem ca nhan duoc loai ra khoi Luat Thue TNCN.


Kien nghi cua Hiep hoi Bat dong san TP.HCM khong chi khong phu hop ma con thieu ca thuc te, khong kha thi. Neu dua ra muc 500 trieu dong thi nguoi gui se xe le ra muc 499 trieu dong thi lam sao kiem soat duoc.

Ben canh do neu kien nghi vi muc dich dua dong von vao kinh doanh san xuat, nhat la de xoa bang bat dong san thi cang kho. Nguoi dan co the chuyen tu tien gui VND sang USD hoac dau tu vang.


Danh thue tien gui tiet kiem, co dong co kiem chac?
TS LE DANG DOANH:
Da an day thi phai chap nhan tra gia


Xet thuc trang doi song hien nay cua cac doi tuong huu tri, cong nhan,… ho chi song dua vao dong luong tich gop tiet kiem, xem phan lai tien gui la thu nhap, neu tinh thue thi khong hay, co the loi ve thue cho Nha nuoc nhung danh doi an sinh xa hoi.

Ngoai ra, viec kien nghi danh thue voi muc dich dua dong tien vao san xuat kinh doanh la thieu can cu, truoc day cac DN bat dong san lai dam tu chenh lech gia cac du an, bay gio thi truong tram lang, ho phai chap nhan tra gia.

Kien nghi danh thue tien gui se khien thi truong NH xao tron, nguoi dan dua nhau rut tien, he thong se bat on.


Nam 2006, tai dien dan Quoc hoi, dai bieu Duong Thu Huong - tinh Ha Nam (nguyen Pho Thong doc NHNN, Tong Thu ky Hiep hoi Ngan hang) dua ra ba ly do ma Nha nuoc chua the danh thue vao lai tiet kiem:

Thu nhat la yeu cau von cho xa hoi ma ngan hang la mot kenh huy dong von manh me va chu yeu cua nen kinh te. Hoat dong cua cac doanh nghiep dua vao von ngan hang den 80%-90%.

Neu nguoi dan khong gui nua thi ngan hang lam gi co tien de cho doanh nghiep vay de dau tu? Neu ngan hang muon huy dong se lai phai tang lai suat huy dong, dong thoi cung phai tang lai suat tien vay. Nhu vay thi ro rang la loi bat cap hai.


Thu hai la ban chat tien gui tiet kiem cua Viet Nam voi cac nuoc khac la hoan toan khac nhau. O Viet Nam, tien tiet kiem la nham dam bao cuoc song khi ve gia chu khong phai la tien dau tu nhu nhieu quoc gia khac.

O Viet Nam, do he thong an sinh xa hoi chua tot nen nhieu nguoi phai danh dum chi tieu de phong luc om dau, de chi tieu khi ve huu hay khong con du suc lao dong.

Con o cac nuoc phat trien, an sinh xa hoi cua nguoi ta rat tuyet voi, om dau vao benh vien khong phai mat mot xu nao du la benh nang, ve huu luong huu du song, con thua tien toi gui tiet kiem thi moi la toi dau tu. Khi do, bi danh thue la dung.

Nhung o Viet Nam tiet kiem chung ta chua phai la nhu vay, toi cung tha thiet mong rang day la nguyen vong cua rat nhieu nguoi, chung ta can can nhac ky viec nay.


Thu ba la lam phat cua chung ta con rat cao, nguoi gui cung chang duoc la may. Vi du lai suat duoc gui 9%/nam nhung lam phat la 8,4%/nam roi, lai thuc den tay nguoi nhan con dang la bao nhieu nua ma phai chiu thue.

Chung ta khuyen khich, dong vien mai nguoi dan moi tin vao ngan hang de nguoi ta gui tien. Bay gio co chuyen nay thi nguoi ta se khong gui nua. Nhu the se rat la bat loi.
Theo Phap luat TP. HCM
Viet Bao

TIN Kinh Tế NỔI BẬT

Những người thành công nhất thế giới nói gì về thất bại?

Con đường đi đến vinh quang không phải lúc nào cũng trải đầy hoa hồng. Hơn ai hết, những người thành công là những người hiểu rõ nhất về giá trị của hai từ 'Thất bại'.

Tìm hiểu: Viet Nam, Luat Thue TNCN, an sinh xa hoi, bat dong san, tien tiet kiem, phai chiu thue, nguoi gui tien, danh thue, tien gui, kiem chac, dong co, chu tich, ngan hang, lam, trieu
Thi truong
Kenh Tin RSS Kenh Tin RSS | Du Bao Thoi Tiet | Lich Xem TV | Lien He - Contact | Quang Cao | Viec Lam | Dieu Kien Su Dung | Bao Ve Tinh Rieng Tu | Sitemap

Copyright©2008 VietBao.vn, Thu Vien Thong Tin Tong Hop Viet Nam va The Gioi, phien ban thu nghiem phan mem Viet Bao Viet Nam, beta 1.0