{"id":11747,"date":"2020-01-03T17:39:54","date_gmt":"2020-01-03T10:39:54","guid":{"rendered":"https:\/\/anvilaw.com\/vi\/?p=11747"},"modified":"2022-03-05T17:43:00","modified_gmt":"2022-03-05T10:43:00","slug":"2-863-cam-cong-ty-doi-no-sau-21h-co-kha-thi","status":"publish","type":"post","link":"https:\/\/anvilaw.com\/vi\/2-863-cam-cong-ty-doi-no-sau-21h-co-kha-thi\/","title":{"rendered":"2.863. C\u1ea5m c\u00f4ng ty \u0111\u00f2i n\u1ee3 sau 21h c\u00f3 kh\u1ea3 thi?"},"content":{"rendered":"(ET) – Theo c\u00e1c chuy\u00ean gia, vi\u1ec7c Th\u00f4ng t\u01b0 18 c\u1ee7a Ng\u00e2n h\u00e0ng Nh\u00e0 n\u01b0\u1edbc Vi\u1ec7t Nam quy \u0111\u1ecbnh cho vay ti\u00eau d\u00f9ng c\u1ee7a c\u00f4ng ty t\u00e0i ch\u00ednh l\u00e0 r\u1ea5t c\u1ea7n thi\u1ebft, h\u1ee3p l\u00fd. Tuy nhi\u00ean, vi\u1ec7c \u00e1p d\u1ee5ng th\u1ef1c t\u1ebf c\u00f3 m\u1ed9t s\u1ed1 \u0111i\u1ec1u kho\u1ea3n d\u1ec5 b\u1ecb l\u00e1ch lu\u1eadt, kh\u00f3 kh\u1ea3 thi.<\/strong><\/p>\n
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B\u1eaft \u0111\u1ea7u t\u1eeb 1\/1\/2020, Th\u00f4ng t\u01b0 18\/2019 c\u1ee7a Ng\u00e2n h\u00e0ng Nh\u00e0 n\u01b0\u1edbc Vi\u1ec7t Nam quy \u0111\u1ecbnh cho vay ti\u00eau d\u00f9ng c\u1ee7a c\u00f4ng ty t\u00e0i ch\u00ednh thay th\u1ebf,<\/a>\u00a0s\u1eeda \u0111\u1ed5i ch\u00ednh th\u1ee9c c\u00f3 hi\u1ec7u l\u1ef1c.<\/p>\n

Theo \u0110i\u1ec3m \u0111 Kho\u1ea3n 2 \u0110i\u1ec1u 7 \u0111\u01b0\u1ee3c s\u1eeda \u0111\u1ed5i, b\u1ed5 sung nh\u01b0 sau: Bi\u1ec7n ph\u00e1p \u0111\u00f4n \u0111\u1ed1c, thu h\u1ed3i n\u1ee3 ph\u00f9 h\u1ee3p v\u1edbi \u0111\u1eb7c th\u00f9 c\u1ee7a kh\u00e1ch h\u00e0ng, quy \u0111\u1ecbnh c\u1ee7a ph\u00e1p lu\u1eadt v\u00e0 kh\u00f4ng bao g\u1ed3m bi\u1ec7n ph\u00e1p \u0111e d\u1ecda \u0111\u1ed1i v\u1edbi kh\u00e1ch h\u00e0ng, trong \u0111\u00f3 s\u1ed1 l\u1ea7n nh\u1eafc n\u1ee3 t\u1ed1i \u0111a 05 (n\u0103m) l\u1ea7n\/01 (m\u1ed9t) ng\u00e0y, h\u00ecnh th\u1ee9c nh\u1eafc n\u1ee3, th\u1eddi gian nh\u1eafc n\u1ee3 do c\u00e1c b\u00ean th\u1ecfa thu\u1eadn trong h\u1ee3p \u0111\u1ed3ng cho vay ti\u00eau d\u00f9ng nh\u01b0ng ph\u1ea3i trong kho\u1ea3ng th\u1eddi gian t\u1eeb 7 (b\u1ea3y) gi\u1edd \u0111\u1ebfn 21 (hai m\u01b0\u01a1i m\u1ed1t) gi\u1edd.<\/p>\n

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\"C\u1ea5m<\/a><\/div>
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M\u1ed9t ng\u01b0\u1eddi vay b\u1ecb kh\u1ee7ng b\u1ed1 tinh th\u1ea7n. \u1ea2nh L\u0110O<\/p>\n<\/figcaption><\/figure>\n

Kh\u00f4ng nh\u1eafc n\u1ee3, \u0111\u00f2i n\u1ee3, g\u1eedi th\u00f4ng tin v\u1ec1 vi\u1ec7c thu h\u1ed3i n\u1ee3 c\u1ee7a kh\u00e1ch h\u00e0ng \u0111\u1ed1i v\u1edbi t\u1ed5 ch\u1ee9c, c\u00e1 nh\u00e2n kh\u00f4ng c\u00f3 ngh\u0129a v\u1ee5 tr\u1ea3 n\u1ee3 cho c\u00f4ng ty t\u00e0i ch\u00ednh, tr\u1eeb tr\u01b0\u1eddng h\u1ee3p c\u00f3 y\u00eau c\u1ea7u c\u1ee7a c\u01a1 quan nh\u00e0 n\u01b0\u1edbc c\u00f3 th\u1ea9m quy\u1ec1n theo quy \u0111\u1ecbnh c\u1ee7a ph\u00e1p lu\u1eadt.<\/p>\n

C\u00e1c c\u00f4ng ty t\u00e0i ch\u00ednh ph\u1ea3i b\u1ea3o m\u1eadt th\u00f4ng tin kh\u00e1ch h\u00e0ng theo quy \u0111\u1ecbnh c\u1ee7a ph\u00e1p lu\u1eadt.<\/p>\n

T\u1ea1i Kho\u1ea3n 4 \u0110i\u1ec1u 10 Th\u00f4ng t\u01b0 18\/2019 c\u0169ng quy \u0111\u1ecbnh, c\u00f4ng ty t\u00e0i ch\u00ednh ph\u1ea3i cung c\u1ea5p cho kh\u00e1ch h\u00e0ng d\u1ef1 th\u1ea3o h\u1ee3p \u0111\u1ed3ng cho vay ti\u00eau d\u00f9ng, gi\u1ea3i th\u00edch ch\u00ednh x\u00e1c, \u0111\u1ea7y \u0111\u1ee7, trung th\u1ef1c c\u00e1c n\u1ed9i dung c\u01a1 b\u1ea3n t\u1ea1i h\u1ee3p \u0111\u1ed3ng cho vay ti\u00eau d\u00f9ng, trong \u0111\u00f3 bao g\u1ed3m c\u1ea3 quy\u1ec1n v\u00e0 ngh\u0129a v\u1ee5 c\u1ee7a kh\u00e1ch h\u00e0ng vay ti\u00eau d\u00f9ng, c\u00e1c bi\u1ec7n ph\u00e1p \u0111\u00f4n \u0111\u1ed1c, thu h\u1ed3i n\u1ee3, bi\u1ec7n ph\u00e1p x\u1eed l\u00fd trong tr\u01b0\u1eddng h\u1ee3p kh\u00e1ch h\u00e0ng kh\u00f4ng th\u1ef1c hi\u1ec7n ngh\u0129a v\u1ee5 theo h\u1ee3p \u0111\u1ed3ng cho vay ti\u00eau d\u00f9ng v\u00e0 c\u00f3 x\u00e1c nh\u1eadn c\u1ee7a kh\u00e1ch h\u00e0ng v\u1ec1 vi\u1ec7c \u0111\u00e3 \u0111\u01b0\u1ee3c c\u00f4ng ty t\u00e0i ch\u00ednh cung c\u1ea5p th\u00f4ng tin theo quy \u0111\u1ecbnh t\u1ea1i kho\u1ea3n n\u00e0y, \u0111\u1ec3 kh\u00e1ch h\u00e0ng xem x\u00e9t, quy\u1ebft \u0111\u1ecbnh tr\u01b0\u1edbc khi k\u00fd k\u1ebft h\u1ee3p \u0111\u1ed3ng cho vay ti\u00eau d\u00f9ng.<\/p>\n

Tr\u01b0\u1edbc th\u1ef1c tr\u1ea1ng \u0111\u00f2i n\u1ee3 g\u00e2y nh\u1ee9c nh\u1ed1i th\u1eddi gian qua, Th\u00f4ng t\u01b0 18 ra \u0111\u1eddi \u0111\u01b0\u1ee3c \u0111\u00e1nh gi\u00e1 l\u00e0 r\u1ea5t c\u1ea7n thi\u1ebft v\u00e0 h\u1ee3p l\u00fd. Theo \u0111\u00e1nh gi\u00e1, Th\u00f4ng t\u01b0 m\u1edbi s\u1ebd x\u1eed l\u00fd c\u00e1c b\u1ea5t c\u1eadp, v\u01b0\u1edbng m\u1eafc trong qu\u00e1 tr\u00ecnh th\u1ef1c hi\u1ec7n c\u00e1c quy \u0111\u1ecbnh li\u00ean quan \u0111\u1ebfn ho\u1ea1t \u0111\u1ed9ng cho vay ti\u00eau d\u00f9ng, b\u1ea3o v\u1ec7 t\u1ed1t h\u01a1n quy\u1ec1n l\u1ee3i ng\u01b0\u1eddi ti\u00eau d\u00f9ng, t\u1ea1o m\u00f4i tr\u01b0\u1eddng ph\u00e1t tri\u1ec3n b\u1ec1n v\u1eefng cho c\u00e1c c\u00f4ng ty t\u00e0i ch\u00ednh. Tuy nhi\u00ean, c\u0169ng c\u00f3 kh\u00f4ng \u00edt \u00fd ki\u1ebfn b\u00e0y t\u1ecf v\u1ec1 t\u00ednh kh\u1ea3 thi c\u1ee7a Th\u00f4ng t\u01b0.<\/p>\n

B\u00e0y t\u1ecf quan \u0111i\u1ec3m v\u1ec1 v\u1ea5n \u0111\u1ec1 n\u00e0y, chuy\u00ean gia kinh t\u1ebf Nguy\u1ec5n Tr\u00ed Hi\u1ebfu cho r\u1eb1ng, quy \u0111\u1ecbnh m\u1edbi ra \u0111\u1eddi l\u00e0 r\u1ea5t h\u1ee3p l\u00fd, b\u1edfi vi\u1ec7c \u0111\u00f2i n\u1ee3 l\u00e0 v\u1ea5n \u0111\u1ec1 g\u00e2y nh\u1ee9c nh\u1ed1i th\u1eddi gian qua. C\u00f3 kh\u00f4ng \u00edt ng\u01b0\u1eddi d\u00e2n ph\u1ea3n \u00e1nh, m\u1ed9t s\u1ed1 c\u00f4ng ty t\u00e0i ch\u00ednh th\u1ef1c hi\u1ec7n \u0111\u00f2i n\u1ee3 gi\u00e1n ti\u1ebfp qua \u0111i\u1ec7n tho\u1ea1i, email, m\u1ea1ng x\u00e3 h\u1ed9i, hay tr\u1ef1c ti\u1ebfp mang t\u00ednh ch\u1ea5t qu\u1ea5y r\u1ed1i, g\u00e2y phi\u1ec1n nhi\u1ec5u, th\u1eadm ch\u00ed \u0111e d\u1ecda, kh\u1ee7ng b\u1ed1 tinh th\u1ea7n\u2026 g\u00e2y ho\u1ea3ng s\u1ee3, b\u1ee9c x\u00fac. Kh\u00f4ng nh\u1eefng v\u1eady, nh\u1eefng ng\u01b0\u1eddi kh\u00f4ng c\u00f3 ngh\u0129a v\u1ee5 \u0111\u1ed1i v\u1edbi kho\u1ea3n n\u1ee3 nh\u01b0ng v\u1eabn b\u1ecb g\u00e2y phi\u1ec1n nhi\u1ec5u, th\u1eadm ch\u00ed c\u0169ng b\u1ecb \u0111e d\u1ecda.<\/p>\n

Tuy nhi\u00ean, theo \u00f4ng Hi\u1ebfu, quy \u0111\u1ecbnh n\u00e0y c\u0169ng c\u00f3 k\u1ebd h\u1edf c\u1ea7n b\u00e0n \u0111\u1ebfn. \u0110\u00f3 l\u00e0 vi\u1ec7c khi c\u00e1c c\u00f4ng ty t\u00e0i ch\u00ednh c\u00f3 th\u1ec3 l\u00e1ch lu\u1eadt b\u1eb1ng c\u00e1ch thu\u00ea c\u00f4ng ty kh\u00e1c th\u1ef1c hi\u1ec7n nh\u1eafc, \u0111\u00f2i n\u1ee3 thu\u00ea. “Trong tr\u01b0\u1eddng h\u1ee3p c\u00e1c \u0111\u01a1n v\u1ecb kh\u00e1c th\u1ef1c hi\u1ec7n vi\u1ec7c \u0111\u00f2i n\u1ee3 kh\u00f4ng \u0111\u00fang theo quy \u0111\u1ecbnh nh\u01b0 nh\u1eafn tin, g\u1ecdi \u0111i\u1ec7n sau 21 gi\u1edd ho\u1eb7c l\u00e0m phi\u1ec1n \u0111\u1ebfn nh\u1eefng ng\u01b0\u1eddi kh\u00f4ng c\u00f3 ngh\u0129a v\u1ee5 v\u1edbi kho\u1ea3n n\u1ee3 khi\u1ebfn\/\u00e9p ng\u01b0\u1eddi vay ph\u1ea3i tr\u1ea3 n\u1ee3; ho\u1eb7c c\u00e1c c\u00e1 nh\u00e2n kh\u00e1c g\u1ecdi \u0111i\u1ec7n cho kh\u00e1ch h\u00e0ng li\u00ean t\u1ee5c th\u00ec s\u1ebd x\u1eed l\u00fd th\u1ebf n\u00e0o?”, \u00f4ng Hi\u1ebfu b\u00e0y t\u1ecf b\u0103n kho\u0103n.<\/p>\n

C\u0169ng c\u00f9ng \u00fd ki\u1ebfn n\u00e0y, \u00f4ng Tr\u01b0\u01a1ng Thanh \u0110\u1ee9c, Gi\u00e1m \u0111\u1ed1c C\u00f4ng ty Lu\u1eadt ANVI cho bi\u1ebft, hi\u1ec7n nhi\u1ec1u n\u01b0\u1edbc tr\u00ean th\u1ebf gi\u1edbi c\u0169ng c\u00f3 nh\u1eefng quy \u0111\u1ecbnh t\u01b0\u01a1ng t\u1ef1, th\u1eadm ch\u00ed h\u1ecd c\u00f2n c\u1ee5 th\u1ec3 nh\u01b0 \u0111\u01b0\u1ee3c nh\u1eafc n\u1ee3 v\u00e0o nh\u1eefng ng\u00e0y n\u00e0o. D\u00f9 ng\u01b0\u1eddi vay d\u1eabn \u0111\u1ebfn m\u1ea5t kh\u1ea3 n\u0103ng tr\u1ea3 n\u1ee3, ph\u00e1 s\u1ea3n c\u0169ng kh\u00f4ng th\u1ec3 “kh\u1ee7ng b\u1ed1”, \u0111e d\u1ecda nh\u01b0 th\u1eddi gian qua, k\u1ec3 c\u1ea3 nh\u1eefng ng\u01b0\u1eddi th\u00e2n trong h\u1ecd h\u00e0ng c\u1ee7a ng\u01b0\u1eddi \u0111i vay c\u0169ng ph\u1ea3i h\u1ee9ng ch\u1ecbu.<\/p>\n

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\"C\u1ea5m<\/a><\/div>
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Lu\u1eadt s\u01b0 Tr\u01b0\u01a1ng Thanh \u0110\u1ee9c.<\/p>\n<\/figcaption><\/figure>\n

D\u00f9 \u0111\u00e1nh gi\u00e1 cao vi\u1ec7c ra \u0111\u1eddi c\u1ee7a Th\u00f4ng t\u01b0, tuy nhi\u00ean lu\u1eadt s\u01b0 Tr\u01b0\u01a1ng Thanh \u0110\u1ee9c c\u0169ng b\u00e0y t\u1ecf lo ng\u1ea1i khi \u00e1p d\u1ee5ng quy \u0111\u1ecbnh v\u00e0o th\u1ef1c t\u1ebf, \u0111\u1eb7c bi\u1ec7t l\u00e0 vi\u1ec7c ch\u1ebf t\u00e0i x\u1eed l\u00fd s\u1ebd r\u1ea5t kh\u00f3 kh\u0103n.<\/p>\n

\u00d4ng \u0110\u1ee9c l\u1ea5y v\u00ed d\u1ee5, trong tr\u01b0\u1eddng h\u1ee3p nh\u1eefng s\u1ed1 \u0111i\u1ec7n tho\u1ea1i nh\u1eafc, \u0111\u00f2i n\u1ee3 kh\u00f4ng ph\u1ea3i c\u1ee7a c\u00f4ng ty m\u00e0 do c\u00e1 nh\u00e2n hay t\u1ed5 ch\u1ee9c kh\u00e1c th\u1ef1c hi\u1ec7n, \u0111i\u1ec7n cho ng\u01b0\u1eddi vay v\u00e0 b\u1ea1n b\u00e8, ng\u01b0\u1eddi th\u00e2n \u0111\u00f2i n\u1ee3 th\u00ec ai s\u1ebd \u0111\u1ee9ng ra gi\u1ea3i quy\u1ebft, n\u1ebfu kh\u00f4ng th\u00ec quy \u0111\u1ecbnh v\u00f4 t\u00e1c d\u1ee5ng.<\/p>\n

Vi\u1ec7c quy \u0111\u1ecbnh h\u00ecnh th\u1ee9c, th\u1eddi gian nh\u1eafc n\u1ee3 do hai b\u00ean th\u1ecfa thu\u1eadn, nh\u01b0ng ng\u01b0\u1eddi vay l\u00fac n\u00e0o c\u0169ng \u1edf th\u1ebf y\u1ebfu, ch\u1ea5p nh\u1eadn hay kh\u00f4ng ch\u1ee9 l\u00e0m g\u00ec c\u00f3 th\u1ec3 th\u1ecfa thu\u1eadn \u0111\u01b0\u1ee3c v\u1edbi c\u00e1c c\u00f4ng ty t\u00e0i ch\u00ednh.<\/p>\n

Theo lu\u1eadt s\u01b0 Tr\u01b0\u01a1ng Thanh \u0110\u1ee9c, kh\u00f3 nh\u1ea5t hi\u1ec7n nay l\u00e0 kh\u00f4ng c\u00f3 h\u1ee3p \u0111\u1ed3ng m\u1eabu, ng\u01b0\u1eddi vay l\u00e0 c\u00e1 nh\u00e2n kh\u00f3 c\u00f3 th\u1ec3 bi\u1ebft \u0111\u01b0\u1ee3c nh\u1eefng quy \u0111\u1ecbnh n\u00e0o n\u00ean v\u00e0 kh\u00f4ng n\u00ean. Do \u0111\u00f3, c\u1ea7n c\u00f3 h\u1ee3p \u0111\u1ed3ng m\u1eabu cho vay c\u00e1 nh\u00e2n \u0111\u1ec3 b\u1ea3o v\u1ec7 ng\u01b0\u1eddi vay. Ngo\u00e0i ra, c\u1ea7n c\u00f3 quy \u0111\u1ecbnh chung v\u1ec1 c\u00e1c h\u00ecnh th\u1ee9c \u0111\u00f2i n\u1ee3, nh\u1eafc n\u1ee3 cho t\u1ea5t c\u1ea3 c\u00e1c h\u00ecnh th\u1ee9c cho vay trong x\u00e3 h\u1ed9i ch\u1ee9 kh\u00f4ng ri\u00eang g\u00ec c\u00f4ng ty t\u00e0i ch\u00ednh.<\/p>\n

Quy \u0111\u1ecbnh t\u1ea1i Th\u00f4ng t\u01b0 m\u1edbi 18 ch\u1ec9 c\u00f3 hi\u1ec7u l\u1ef1c v\u1edbi c\u00e1c c\u00f4ng ty t\u00e0i ch\u00ednh, c\u00f2n nh\u1eefng ho\u1ea1t \u0111\u1ed9ng cho vay, \u0111\u00f2i n\u1ee3 c\u1ee7a nh\u1eefng doanh nghi\u1ec7p, c\u00e1 nh\u00e2n kh\u00e1c nh\u01b0 c\u1ea7m \u0111\u1ed3, cho vay ngang h\u00e0ng… l\u1ea1i kh\u00f4ng th\u1ea5y \u0111\u1ec1 c\u1eadp. Nh\u01b0 v\u1eady, khi c\u00e1c c\u00f4ng ty t\u00e0i ch\u00ednh thu\u00ea c\u00f4ng ty kh\u00e1c \u0111\u00f2i n\u1ee3, vi ph\u1ea1m nh\u1eefng quy \u0111\u1ecbnh t\u1ea1 Th\u00f4ng t\u01b0 18, th\u00ec Ng\u00e2n h\u00e0ng Nh\u00e0 n\u01b0\u1edbc c\u0169ng kh\u00f4ng th\u1ec3 x\u1eed l\u00fd nh\u1eefng c\u00f4ng ty \u0111\u00f2i n\u1ee3 thu\u00ea v\u00ec kh\u00f4ng qu\u1ea3n l\u00fd nh\u1eefng \u0111\u01a1n v\u1ecb n\u00e0y. Do \u0111\u00f3, mu\u1ed1n gi\u1ea3m t\u00ecnh tr\u1ea1ng kh\u1ee7ng b\u1ed1 \u0111\u00f2i n\u1ee3 trong x\u00e3 h\u1ed9i th\u1eddi gian qua c\u1ea7n c\u00f3 nh\u1eefng quy \u0111\u1ecbnh chung, \u00e1p d\u1ee5ng cho m\u1ecdi doanh nghi\u1ec7p, c\u00e1 nh\u00e2n.<\/p>\n<\/div>\n

An V\u0169<\/span><\/strong><\/p>\n

——————<\/p>\n

ETime (G\u00f3c nh\u00ecn) 03-01-2020:<\/b><\/em><\/p>\n

C\u1ea5m c\u00f4ng ty \u0111\u00f2i n\u1ee3 sau 21h c\u00f3 kh\u1ea3 thi? | D\u00e2n Vi\u1ec7t (danviet.vn)<\/a><\/p>\n

(435\/1.167)<\/em>","protected":false},"excerpt":{"rendered":"

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