{"id":13754,"date":"2019-09-14T13:44:11","date_gmt":"2019-09-14T06:44:11","guid":{"rendered":"https:\/\/anvilaw.com\/vi\/?p=13754"},"modified":"2022-03-17T13:48:57","modified_gmt":"2022-03-17T06:48:57","slug":"2-764-cho-vay-cam-so-so-tiet-kiem-gay-ra-nhieu-lo-ngai-ve-rui-ro-tai-chinh","status":"publish","type":"post","link":"https:\/\/anvilaw.com\/vi\/2-764-cho-vay-cam-so-so-tiet-kiem-gay-ra-nhieu-lo-ngai-ve-rui-ro-tai-chinh\/","title":{"rendered":"2.764. Cho vay c\u1ea7m s\u1ed1 s\u1ed5 ti\u1ebft ki\u1ec7m g\u00e2y ra nhi\u1ec1u lo ng\u1ea1i v\u1ec1 r\u1ee7i ro t\u00e0i ch\u00ednh"},"content":{"rendered":"(VN+) – C\u00e1c chuy\u00ean gia cho r\u1eb1ng cho vay c\u1ea7m s\u1ed1 s\u1ed5 ti\u1ebft ki\u1ec7m g\u00e2y ra nguy c\u01a1 t\u00e0i s\u1ea3n \u1ea3o v\u00e0 mang nhi\u1ec1u lo ng\u1ea1i v\u1ec1 r\u1ee7i ro t\u00e0i ch\u00ednh, \u0111\u1eb7c bi\u1ec7t c\u00f3 th\u1ec3 g\u00e2y r\u1ee7i ro mang t\u00ednh v\u0129 m\u00f4.<\/strong><\/p>\n

Cu\u1ed1i tu\u1ea7n qua, Ng\u00e2n h\u00e0ng Nh\u00e0 n\u01b0\u1edbc \u0111\u00e3 ban h\u00e0nh c\u00f4ng v\u0103n c\u1ea3nh c\u00e1o c\u00e1c t\u1ed5 ch\u1ee9c t\u00edn d\u1ee5ng v\u1ec1 h\u00ecnh th\u1ee9c cho vay c\u1ea7m c\u1ed1 s\u1ed5 ti\u1ebft ki\u1ec7m \u0111\u00e3 nh\u1eadn \u0111\u01b0\u1ee3c s\u1ef1 \u0111\u1ed3ng t\u00ecnh c\u1ee7a c\u00e1c chuy\u00ean gia t\u00e0i ch\u00ednh ng\u00e2n h\u00e0ng.<\/p>\n

Theo \u0111\u00f3, nhi\u1ec1u chuy\u00ean gia cho r\u1eb1ng, h\u00ecnh th\u1ee9c n\u00e0y s\u1ebd t\u1ea1o ra m\u1ed9t lo\u1ea1i\u00a0t\u00e0i s\u1ea3n \u1ea3o<\/strong><\/a>\u00a0tr\u00ean s\u1ed5 s\u00e1ch ng\u00e2n h\u00e0ng d\u1eabn \u0111\u1ebfn d\u01b0 n\u1ee3 \u1ea3o, ch\u1ec9 ti\u00eau kh\u1ed1ng.<\/p>\n

H\u1ea7u h\u1ebft ng\u00e2n h\u00e0ng<\/strong>\u00a0kh\u00f4ng th\u1ea9m \u0111\u1ecbnh<\/strong><\/a><\/p>\n

Tr\u00ean th\u1ef1c t\u1ebf, cho vay c\u1ea7m c\u1ed1 s\u1ed5 ti\u1ebft ki\u1ec7m l\u00e0 s\u1ea3n ph\u1ea9m ph\u1ed5 bi\u1ebfn tr\u00ean th\u1ecb tr\u01b0\u1eddng t\u1eeb l\u00e2u th\u01b0\u1eddng l\u00e0 v\u1edbi h\u1ea1n m\u1ee9c kho\u1ea3ng 80%-90% nh\u01b0ng v\u1eabn c\u00f3 ng\u00e2n h\u00e0ng\u00a0cho vay l\u00ean t\u1edbi 100% gi\u00e1 tr\u1ecb s\u1ed5. \u0110\u1eb7c bi\u1ec7t, v\u1edbi h\u00ecnh th\u1ee9c cho vay n\u00e0y, h\u1ea7u h\u1ebft nh\u00e0 b\u0103ng \u0111\u1ec1u gi\u1ea3i ng\u00e2n ngay l\u1eadp t\u1ee9c m\u00e0 kh\u00f4ng c\u1ea7n h\u1ecfi nhu c\u1ea7u vay v\u1ed1n c\u1ee7a kh\u00e1ch h\u00e0ng.<\/p>\n

S\u1edf d\u0129 nhi\u1ec1u ng\u00e2n h\u00e0ng l\u01a1 l\u00e0 th\u1ea9m \u0111\u1ecbnh m\u1ee5c \u0111\u00edch s\u1eed d\u1ee5ng v\u1ed1n c\u00e1c kho\u1ea3n vay \u0111\u1ea3m b\u1ea3o b\u1eb1ng c\u1ea7m c\u1ed1 s\u1ed5 ti\u1ebft ki\u1ec7m l\u00e0 b\u1edfi v\u00ec \u0111\u00e2y l\u00e0 nh\u1eefng kho\u1ea3n t\u00edn d\u1ee5ng thu\u1ed9c h\u00e0ng \u00edt r\u1ee7i ro nh\u1ea5t. Gi\u1ea3 s\u1eed kh\u00e1ch h\u00e0ng c\u00f3 s\u1eed d\u1ee5ng kho\u1ea3n vay v\u00e0o m\u1ee5c \u0111\u00edch n\u00e0o \u0111\u00f3 m\u00e0 ch\u01b0a l\u1ea5y l\u1ea1i \u0111\u01b0\u1ee3c \u0111\u00fang h\u1ea1n ho\u1eb7c kh\u00f4ng tr\u1ea3 \u0111\u01b0\u1ee3c n\u1ee3 th\u00ec ng\u00e2n h\u00e0ng v\u1eabn c\u00f3 t\u00e0i s\u1ea3n \u0111\u1ec3 thu h\u1ed3i.<\/p>\n

Vi\u1ec7c vay v\u1ed1n b\u1eb1ng s\u1ed5 ti\u1ebft ki\u1ec7m c\u0169ng c\u00f3 l\u1ee3i cho kh\u00e1ch h\u00e0ng, n\u1ebfu ch\u1eb3ng may c\u00f3 vi\u1ec7c c\u1ea7n d\u00f9ng \u0111\u1ebfn ti\u1ec1n trong th\u1eddi gian s\u1ed5 ti\u1ebft ki\u1ec7m ch\u01b0a \u0111\u1ebfn h\u1ea1n t\u1ea5t to\u00e1n th\u00ec vi\u1ec7c c\u1ea7m c\u1ed1 s\u1ed5 \u0111\u00f3 \u0111\u1ec3 vay v\u1edbi m\u1ee9c l\u00e3i su\u1ea5t th\u1ea5p c\u00f3 l\u1ee3i h\u01a1n r\u1ea5t nhi\u1ec1u so v\u1edbi vi\u1ec7c ph\u1ea3i r\u00fat s\u1ed5 ti\u1ebft ki\u1ec7m m\u00e0 ch\u1ecbu l\u00e3i kh\u00f4ng k\u1ef3 h\u1ea1n. V\u1ec1 ph\u00eda ng\u00e2n h\u00e0ng, vi\u1ec7c kh\u00e1ch h\u00e0ng th\u1ebf ch\u1ea5p s\u1ed5 ti\u1ebft ki\u1ec7m \u0111\u1ec3 vay v\u1ed1n trong khi ch\u1edd \u0111\u00e1o h\u1ea1n c\u0169ng c\u00f3 nhi\u1ec1u l\u1ee3i th\u1ebf trong b\u1ed1i c\u1ea3nh c\u00e1c nh\u00e0 b\u0103ng \u0111ang c\u1ed1 g\u1eafng huy \u0111\u1ed9ng ngu\u1ed3n v\u1ed1n trung d\u00e0i h\u1ea1n.<\/p>\n

X\u00e9t v\u1ec1 kh\u00eda c\u1ea1nh lu\u1eadt ph\u00e1p, cho vay c\u1ea7m c\u1ed1\u00a0s\u1ed5 ti\u1ebft ki\u1ec7m<\/strong><\/a>\u00a0l\u00e0 lo\u1ea1i h\u00ecnh cho vay an to\u00e0n nh\u1ea5t v\u1edbi ng\u00e2n h\u00e0ng v\u00ec h\u1ecd \u0111\u00e3 c\u1ea7m kho\u1ea3n ti\u1ec1n l\u1edbn h\u01a1n c\u1ee7a kh\u00e1ch h\u00e0ng trong tay. Ch\u00ednh v\u00ec v\u1eady, h\u1ea7u nh\u01b0 hi\u1ec7n nay, kh\u00e1ch h\u00e0ng kh\u00f4ng c\u1ea7n ch\u1ee9ng minh m\u1ee5c \u0111\u00edch s\u1eed d\u1ee5ng ti\u1ec1n vay v\u1ed1n nh\u01b0 khi c\u1ea7m c\u1ed1 c\u00e1c t\u00e0i s\u1ea3n kh\u00e1c.<\/p>\n

Ch\u1ecb Tr\u1ea7n Thanh H\u00e0, Ba \u0110\u00ecnh, H\u00e0 N\u1ed9i cho bi\u1ebft, n\u0103m ngo\u00e1i gia \u0111\u00ecnh ch\u1ecb c\u00f3 vi\u1ec7c c\u1ea7n d\u00f9ng \u0111\u1ebfn 200 tri\u1ec7u \u0111\u1ed3ng nh\u01b0ng l\u1ea1i kh\u00f4ng c\u00f3 ti\u1ec1n m\u1eb7t trong nh\u00e0, ch\u1ecb lo l\u1eafng kh\u00f4ng bi\u1ebft xoay s\u1edf th\u1ebf n\u00e0o th\u00ec \u0111\u01b0\u1ee3c ng\u01b0\u1eddi quen t\u01b0 v\u1ea5n mang s\u1ed5 ti\u1ebft ki\u1ec7m \u0111\u1ebfn ng\u00e2n h\u00e0ng vay. Khi ch\u1ecb mang s\u1ed5 ti\u1ebft ki\u1ec7m 1 t\u1ef7 \u0111\u1ed3ng \u0111\u1ebfn ra ng\u00e2n h\u00e0ng c\u1ea7m c\u1ed1 v\u00e0 \u0111\u01b0\u1ee3c ng\u00e2n h\u00e0ng cho vay l\u1ea1i v\u1edbi l\u00e3i su\u1ea5t 11,2%\/n\u0103m.<\/p>\n

\u201cT\u00f4i ch\u1ec9 c\u1ea7n mang s\u1ed5 ti\u1ebft ki\u1ec7m c\u1ee7a m\u00ecnh ra ng\u00e2n h\u00e0ng l\u00e0 \u0111\u01b0\u1ee3c gi\u1ea3i quy\u1ebft vay r\u1ea5t nhanh, kh\u00f4ng c\u1ea7n th\u1ee7 t\u1ee5c g\u00ec c\u1ea3. T\u00f4i th\u1ea5y d\u1ecbch v\u1ee5 n\u00e0y r\u1ea5t ti\u1ec7n, khi c\u1ea7n ti\u1ec1n g\u1ea5p c\u00f3 th\u1ec3 vay l\u1ea1i ti\u1ec1n c\u1ee7a m\u00ecnh m\u00e0 kh\u00f4ng lo m\u1ea5t l\u00e3i c\u1ee7a s\u1ed5 ti\u1ebft ki\u1ec7m,\u201d ch\u1ecb H\u00e0 chia s\u1ebb.<\/p>\n

S\u1ebd kh\u00f4ng c\u00f3 g\u00ec \u0111\u00e1ng n\u00f3i nhi\u1ec1u n\u1ebfu s\u1ea3n ph\u1ea9m cho vay c\u1ea7m c\u1ed1 s\u1ed5 ti\u1ebft ki\u1ec7m ch\u1ec9 ph\u1ee5c v\u1ee5 nh\u1eefng nhu c\u1ea7u ph\u00e1t sinh c\u1ee7a kh\u00e1ch h\u00e0ng. Tuy nhi\u00ean, trong th\u1eddi gian qua, Ng\u00e2n h\u00e0ng Nh\u00e0 n\u01b0\u1edbc thanh tra, ki\u1ec3m tra cho th\u1ea5y c\u00f3 hi\u1ec7n t\u01b0\u1ee3ng m\u1ed9t s\u1ed1 t\u1ed5 ch\u1ee9c t\u00edn d\u1ee5ng cho kh\u00e1ch h\u00e0ng vay v\u1ed1n c\u00f3 \u0111\u1ea3m b\u1ea3o b\u1eb1ng c\u1ea7m c\u1ed1 s\u1ed5 ti\u1ebft ki\u1ec7m nh\u01b0ng kh\u00f4ng c\u00f3 ph\u01b0\u01a1ng \u00e1n s\u1eed d\u1ee5ng v\u1ed1n vay. Vi\u1ec7c n\u00e0y vi ph\u1ea1m quy \u0111\u1ecbnh c\u1ee7a Ng\u00e2n h\u00e0ng Nh\u00e0 n\u01b0\u1edbc v\u1ec1 s\u1eed d\u1ee5ng ph\u01b0\u01a1ng ti\u1ec7n thanh to\u00e1n kh\u00f4ng d\u00f9ng ti\u1ec1n m\u1eb7t \u0111\u1ec3 gi\u1ea3i ng\u00e2n v\u1ed1n vay.<\/p>\n

Theo Ng\u00e2n h\u00e0ng Nh\u00e0 n\u01b0\u1edbc, vi\u1ec7c cho vay kh\u00f4ng th\u1ea9m \u0111\u1ecbnh m\u1ee5c \u0111\u00edch s\u1eed d\u1ee5ng v\u1ed1n \u0111\u00e3 vi ph\u1ea1m quy \u0111\u1ecbnh c\u1ee7a Ng\u00e2n h\u00e0ng Nh\u00e0 n\u01b0\u1edbc v\u1ec1 gi\u1ea3i ng\u00e2n v\u1ed1n vay. C\u1ee5 th\u1ec3, theo \u0110i\u1ec1u 7, Th\u00f4ng t\u01b0 39\/2016\/TT-NHNN quy \u0111\u1ecbnh v\u1ec1 ho\u1ea1t \u0111\u1ed9ng cho vay, m\u1ed9t kho\u1ea3n vay l\u00e0 h\u1ee3p l\u1ec7 n\u1ebfu c\u00f3 \u0111\u1ea7y \u0111\u1ee7 5 y\u1ebfu t\u1ed1, bao g\u1ed3m m\u1ee5c \u0111\u00edch vay v\u00e0 ph\u01b0\u01a1ng \u00e1n s\u1eed d\u1ee5ng v\u1ed1n.<\/p>\n

Ch\u00ednh v\u00ec v\u1eady, Ng\u00e2n h\u00e0ng Nh\u00e0 n\u01b0\u1edbc y\u00eau c\u1ea7u c\u00e1c t\u1ed5 ch\u1ee9c t\u00edn d\u1ee5ng kh\u00f4ng th\u1ef1c hi\u1ec7n c\u00e1c h\u00e0nh vi c\u1ea1nh tranh kh\u00f4ng l\u00e0nh m\u1ea1nh; ch\u1ea5p h\u00e0nh nghi\u00eam c\u00e1c quy \u0111\u1ecbnh c\u1ee7a ph\u00e1p lu\u1eadt v\u1ec1 cho vay, v\u1ec1 l\u00e3i su\u1ea5t huy \u0111\u1ed9ng b\u1eb1ng ngo\u1ea1i t\u1ec7, v\u1ec1 s\u1eed d\u1ee5ng ph\u01b0\u01a1ng \u00e1n kh\u00f4ng d\u00f9ng ti\u1ec1n m\u1eb7t \u0111\u1ec3 gi\u1ea3i ng\u00e2n v\u1ed1n vay; ki\u1ec3m so\u00e1t ch\u1eb7t ch\u1ebd kho\u1ea3n vay. \u0110\u1eb7c bi\u1ec7t, ph\u1ea3i ki\u1ec3m so\u00e1t m\u1ee5c \u0111\u00edch s\u1eed d\u1ee5ng v\u1ed1n vay v\u00e0 gi\u1ea3i ng\u00e2n v\u1ed1n vay \u0111\u1ed1i v\u1edbi c\u00e1c kho\u1ea3n vay \u0111\u1ea3m b\u1ea3o b\u1eb1ng c\u1ea7m c\u1ed1 s\u1ed5 ti\u1ebft ki\u1ec7m. Ng\u00e2n h\u00e0ng Nh\u00e0 n\u01b0\u1edbc s\u1ebd x\u1eed l\u00fd nghi\u00eam c\u00e1c t\u1ed5 ch\u1ee9c t\u00edn d\u1ee5ng c\u1ed1 t\u00ecnh vi ph\u1ea1m.<\/p>\n

\"\"<\/p>\n

Ng\u00e2n h\u00e0ng Nh\u00e0 n\u01b0\u1edbc c\u1ea3nh b\u1ea3o v\u1ec1 vi\u1ec7c cho vay s\u1ed5 ti\u1ebft ki\u1ec7m kh\u00f4ng c\u00f3 m\u1ee5c \u0111\u00edch s\u1eed d\u1ee5ng v\u1ed1n vay. (\u1ea2nh: T.H\/Vietnam+)<\/p>\n

Nguy c\u01a1 t\u00e0i s\u1ea3n \u1ea3o t\u0103ng cao<\/strong><\/p>\n

D\u00f9 vi\u1ec7c cho vay c\u1ea7m c\u1ed1 s\u1ed5 ti\u1ebft ki\u1ec7m c\u00f3 l\u1ee3i cho c\u1ea3 kh\u00e1ch h\u00e0ng l\u1eabn ng\u00e2n h\u00e0ng song c\u00e1c chuy\u00ean gia cho r\u1eb1ng s\u1ea3n ph\u1ea9m n\u00e0y c\u0169ng g\u00e2y ra nhi\u1ec1u lo ng\u1ea1i v\u1ec1 r\u1ee7i ro t\u00e0i ch\u00ednh, \u0111\u1eb7c bi\u1ec7t c\u00f3 th\u1ec3 g\u00e2y r\u1ee7i ro mang t\u00ednh v\u0129 m\u00f4.<\/p>\n

Theo ph\u00e2n t\u00edch c\u1ee7a gi\u1edbi chuy\u00ean gia, kh\u00e1ch h\u00e0ng A g\u1eedi 100 tri\u1ec7u \u0111\u1ed3ng v\u00e0o ng\u00e2n h\u00e0ng, sau khi tr\u00edch t\u1ef7 l\u1ec7 d\u1ef1 tr\u1eef b\u1eaft bu\u1ed9c g\u1eedi l\u1ea1i Ng\u00e2n h\u00e0ng Trung \u01b0\u01a1ng, ng\u00e2n h\u00e0ng \u0111\u00e3 mang 97 tri\u1ec7u \u0111\u1ed3ng \u0111\u00f3 cho kh\u00e1ch h\u00e0ng B vay \u0111\u1ec3 sinh l\u1eddi. Sau \u0111\u00f3 kh\u00e1ch h\u00e0ng A c\u1ea7m c\u1ed1 s\u1ed5 ti\u1ebft ki\u1ec7m \u0111\u1ec3 vay l\u1ea1i 90 tri\u1ec7u \u0111\u1ed3ng. Nh\u01b0 v\u1eady ng\u00e2n h\u00e0ng huy \u0111\u1ed9ng 100 tri\u1ec7u \u0111\u1ed3ng nh\u01b0ng \u0111ang cho vay ra 187 tri\u1ec7u \u0111\u1ed3ng.<\/p>\n

Nh\u01b0 v\u1eady, tr\u00ean s\u1ed5 s\u00e1ch, t\u1eeb m\u1ed9t kho\u1ea3n ti\u1ebft ki\u1ec7m 100 tri\u1ec7u \u0111\u1ed3ng ng\u00e2n h\u00e0ng nay “t\u1ea1o” ra m\u1ed9t t\u00e0i s\u1ea3n g\u1ea7n 200 tri\u1ec7u \u0111\u1ed3ng cho vay (97 tri\u1ec7u \u0111\u1ed3ng \u0111\u00e3 cho vay v\u00e0\u00a090 tri\u1ec7u \u0111\u1ed3ng cho vay m\u1edbi). 90 tri\u1ec7u \u0111\u1ed3ng cho vay m\u1edbi c\u00f3 th\u1ec3 xem nh\u01b0 m\u1ed9t lo\u1ea1i t\u00e0i s\u1ea3n \u1ea3o, kh\u00f4ng th\u1ef1c ch\u1ea5t v\u00e0 \u0111\u01b0\u1ee3c t\u1ea1o ra t\u1eeb m\u1ed9t b\u00fat to\u00e1n c\u1ee7a ng\u00e2n h\u00e0ng.<\/p>\n

Tr\u00ean th\u1ef1c t\u1ebf ng\u00e2n h\u00e0ng ch\u01b0a c\u00f3 ngu\u1ed3n v\u1ed1n m\u1edbi \u0111\u1ec3 c\u00e2n b\u1eb1ng v\u1edbi m\u00f3n cho vay m\u1edbi v\u00e0 ph\u1ea3i l\u1ea5y ngu\u1ed3n v\u1ed1n hi\u1ec7n c\u00f3 t\u1eeb kh\u00e1ch h\u00e0ng kh\u00e1c \u0111\u1ec3 gi\u1ea3i ng\u00e2n ho\u1eb7c huy \u0111\u1ed9ng ngu\u1ed3n v\u1ed1n m\u1edbi \u0111\u1ec3 \u201ct\u00e0i tr\u1ee3\u201d (funding) m\u00f3n n\u1ee3 m\u1edbi.<\/p>\n

Hi\u1ec7n nay nhi\u1ec1u ng\u00e2n h\u00e0ng l\u1ee3i d\u1ee5ng s\u1ea3n ph\u1ea9m n\u00e0y \u0111\u1ec3 \u0111\u1ea9y t\u0103ng tr\u01b0\u1edfng t\u00edn d\u1ee5ng, nh\u1ea5t l\u00e0 th\u1eddi \u0111i\u1ec3m chu\u1ea9n b\u1ecb ch\u1ed1t s\u1ed1 li\u1ec7u. Chi\u00eau n\u00e0y \u0111\u01b0\u1ee3c kh\u00f4ng \u00edt ng\u00e2n h\u00e0ng \u00e1p d\u1ee5ng, nh\u1ea5t l\u00e0 t\u1eeb khi Ng\u00e2n h\u00e0ng Nh\u00e0 n\u01b0\u1edbc \u00e1p d\u1ee5ng ch\u00ednh s\u00e1ch giao ch\u1ec9 ti\u00eau t\u0103ng tr\u01b0\u1edfng t\u00edn d\u1ee5ng ph\u00f9 h\u1ee3p cho t\u1eebng ng\u00e2n h\u00e0ng. \u0110i\u1ec1u n\u00e0y \u0111\u00e3 nh\u00e2n h\u1ec7 s\u1ed1 ti\u1ec1n g\u1eedi, ti\u1ec1n vay l\u00ean nhi\u1ec1u l\u1ea7n, d\u1eabn \u0111\u1ebfn d\u01b0 n\u1ee3 \u1ea3o, ch\u1ec9 ti\u00eau kh\u1ed1ng.<\/p>\n

Lu\u1eadt s\u01b0 Tr\u01b0\u01a1ng Thanh \u0110\u1ee9c, Gi\u00e1m \u0111\u1ed1c C\u00f4ng ty Lu\u1eadt ANVI cho r\u1eb1ng, nhi\u1ec1u n\u0103m tr\u01b0\u1edbc vi\u1ec7c \u00a0n\u00e0y m\u1eb7c \u0111\u1ecbnh kh\u00f4ng c\u1ea7n ch\u1ee9ng minh m\u1ee5c \u0111\u00edch, kh\u00f4ng c\u1ea7n ki\u1ec3m tra. Nh\u1eefng n\u0103m g\u1ea7n \u0111\u00e2y, theo quy \u0111\u1ecbnh chung kh\u00f4ng c\u00f3 ngo\u1ea1i l\u1ec7, vi\u1ec7c vay c\u1ea7m c\u1ed1 s\u1ed5 ti\u1ebft ki\u1ec7m v\u1eabn ph\u1ea3i \u0111\u1ea3m b\u1ea3o an to\u00e0n, \u0111\u1ea3m b\u1ea3o m\u1ee5c \u0111\u00edch s\u1eed d\u1ee5ng v\u1ed1n. Ng\u00e2n h\u00e0ng Nh\u00e0 n\u01b0\u1edbc th\u1ea5y c\u00e1c ng\u00e2n h\u00e0ng kh\u00f4ng tu\u00e2n th\u1ee7 quy \u0111\u1ecbnh chung n\u00ean \u0111\u00e3 nh\u1eafc nh\u1edf.\u00a0<\/em><\/p>\n

C\u00f2n ti\u1ebfn s\u1ef9 Nguy\u1ec5n Tr\u00ed Hi\u1ebfu, chuy\u00ean gia t\u00e0i ch\u00ednh ng\u00e2n h\u00e0ng c\u0169ng chia s\u1ebb: \u201cC\u00e1ch \u0111\u00e2y nhi\u1ec1u n\u0103m t\u00f4i c\u0169ng bi\u1ebft c\u00f3 nh\u1eefng ng\u00e2n h\u00e0ng \u0111\u1ec3 t\u0103ng t\u1ed5ng t\u00e0i s\u1ea3n l\u00ean v\u00e0o d\u1ecbp cu\u1ed1i n\u0103m th\u00ec d\u00f9ng c\u00e1ch n\u00e0y c\u00e1ch kia \u0111\u1ec3 n\u00e2ng t\u1ed5ng t\u00e0i s\u1ea3n l\u00ean, n\u00e2ng n\u1ee3 v\u00e0 n\u00e2ng t\u00e0i s\u1ea3n c\u00f3 th\u00ec c\u00e2n b\u1eb1ng v\u1edbi nhau. Nh\u01b0ng \u0111\u00f3 l\u00e0 bi\u1ec7n ph\u00e1p k\u1ef9 thu\u1eadt \u0111\u1ec3 n\u00e2ng t\u1ed5ng t\u00e0i s\u1ea3n.\u201d<\/p>\n

\u00d4ng Hi\u1ebfu nh\u1ea5n m\u1ea1nh, hi\u1ec7n nay, m\u1ed9t s\u1ed1 ng\u00e2n h\u00e0ng c\u00f3 th\u1ec3 cho vay c\u1ea7m c\u1ed1 s\u1ed5 ti\u1ebft ki\u1ec7m l\u00ean t\u1edbi 100%, l\u00e3i su\u1ea5t cho vay kh\u00f4ng ch\u00eanh l\u1ec7ch ho\u1eb7c kh\u00f4ng ch\u00eanh l\u1ec7ch \u0111\u00e1ng k\u1ec3 so v\u1edbi l\u00e3i su\u1ea5t huy \u0111\u1ed9ng, \u0111i\u1ec1u n\u00e0y gi\u00fap t\u1ed5ng t\u00e0i s\u1ea3n t\u0103ng m\u00e0 kh\u00f4ng l\u00e0m t\u0103ng l\u1ee3i nhu\u1eadn c\u1ee7a ng\u00e2n h\u00e0ng v\u00e0 kh\u00e1ch h\u00e0ng c\u0169ng ch\u1eb3ng m\u1ea5t g\u00ec v\u00ec l\u00e3i su\u1ea5t huy \u0111\u1ed9ng v\u00e0 l\u00e3i su\u1ea5t cho vay c\u1ea5n tr\u1eeb nhau.<\/p>\n

Tuy nhi\u00ean, giao d\u1ecbch n\u00e0y l\u00e0m m\u00e9o m\u00f3 t\u1ed5ng t\u00e0i s\u1ea3n c\u1ee7a ng\u00e2n h\u00e0ng. Tr\u00ean th\u1ebf gi\u1edbi, nhi\u1ec1u n\u01b0\u1edbc ti\u00ean ti\u1ebfn c\u1ea5m cho vay c\u1ea7m c\u1ed1 s\u1ed5 ti\u1ebft ki\u1ec7m. H\u00ecnh th\u1ee9c cho vay n\u00e0y \u0111\u01b0\u1ee3c g\u1ecdi l\u00e0 “phantom loan,” t\u1ee9c \u201ct\u00edn d\u1ee5ng ma.\u201d<\/p>\n

\u201cKhi c\u00e1c ng\u00e2n h\u00e0ng c\u00f9ng r\u01a1i v\u00e0o t\u00ecnh tr\u1ea1ng n\u00e0y d\u1ec5 g\u00e2y ra t\u00ecnh tr\u1ea1ng thi\u1ebfu thanh kho\u1ea3n v\u00e0 t\u1ea1o \u00e1p l\u1ef1c t\u0103ng l\u00e3i su\u1ea5t huy \u0111\u1ed9ng cao h\u01a1n,\u201d \u00f4ng Hi\u1ebfu\u00a0c\u1ea3nh b\u00e1o<\/strong><\/a>.<\/p>\n

\u00d4ng Hi\u1ebfu c\u0169ng khuy\u1ebfn ngh\u1ecb, Ng\u00e2n h\u00e0ng Nh\u00e0 n\u01b0\u1edbc c\u00f3 th\u1ec3 ban h\u00e0nh quy \u0111\u1ecbnh ch\u1ea5m d\u1ee9t t\u00ecnh tr\u1ea1ng c\u1ea7m c\u1ed1 s\u1ed5 ti\u1ebft ki\u1ec7m, b\u1eb1ng c\u00e1ch quy \u0111\u1ecbnh cho kh\u00e1ch h\u00e0ng r\u00fat ti\u1ec1n 1 ph\u1ea7n tr\u01b0\u1edbc h\u1ea1n v\u00e0 k\u00e8m theo l\u00e3i su\u1ea5t ph\u1ea1t \u0111\u1ed1i v\u1edbi ph\u1ea7n ti\u1ec1n \u0111\u00f3 thay v\u00ec cho vay.\/.<\/p>\n

Th\u00fay H\u00e0 (Vietnam+)\u00a0<\/strong><\/p>\n

\u2014\u2014\u2014\u2014-<\/p>\n

Vietnam+ (T\u00e0i ch\u00ednh) 14-9-2019:<\/em><\/strong><\/p>\n

https:\/\/www.vietnamplus.vn\/cho-vay-cam-so-so-tiet-kiem-gay-ra-nhieu-lo-ngai-ve-rui-ro-tai-chinh\/595238.vnp<\/em><\/a><\/p>\n

(84\/1.601)<\/em>","protected":false},"excerpt":{"rendered":"

(VN+) – C\u00e1c chuy\u00ean gia cho r\u1eb1ng cho vay c\u1ea7m s\u1ed1 s\u1ed5 ti\u1ebft ki\u1ec7m g\u00e2y ra nguy c\u01a1 t\u00e0i s\u1ea3n \u1ea3o v\u00e0 mang nhi\u1ec1u lo ng\u1ea1i v\u1ec1 r\u1ee7i ro t\u00e0i ch\u00ednh, \u0111\u1eb7c bi\u1ec7t c\u00f3 th\u1ec3 g\u00e2y r\u1ee7i ro mang t\u00ednh v\u0129 m\u00f4. Cu\u1ed1i tu\u1ea7n qua, Ng\u00e2n h\u00e0ng Nh\u00e0 n\u01b0\u1edbc \u0111\u00e3 ban h\u00e0nh c\u00f4ng v\u0103n c\u1ea3nh […]<\/p>\n","protected":false},"author":1,"featured_media":13755,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":""},"categories":[27,26],"tags":[],"class_list":["post-13754","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-interviews","category-legal-media"],"acf":[],"yoast_head":"\n2.764. Cho vay c\u1ea7m s\u1ed1 s\u1ed5 ti\u1ebft ki\u1ec7m g\u00e2y ra nhi\u1ec1u lo ng\u1ea1i v\u1ec1 r\u1ee7i ro t\u00e0i ch\u00ednh - ANVI Law Firm<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/anvilaw.com\/vi\/2-764-cho-vay-cam-so-so-tiet-kiem-gay-ra-nhieu-lo-ngai-ve-rui-ro-tai-chinh\/\" \/>\n<meta property=\"og:locale\" content=\"vi_VN\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"[:vi]2.764. Cho vay c\u1ea7m s\u1ed1 s\u1ed5 ti\u1ebft ki\u1ec7m g\u00e2y ra nhi\u1ec1u lo ng\u1ea1i v\u1ec1 r\u1ee7i ro t\u00e0i ch\u00ednh[:] - ANVI Law Firm\" \/>\n<meta property=\"og:description\" content=\"(VN+) – C\u00e1c chuy\u00ean gia cho r\u1eb1ng cho vay c\u1ea7m s\u1ed1 s\u1ed5 ti\u1ebft ki\u1ec7m g\u00e2y ra nguy c\u01a1 t\u00e0i s\u1ea3n \u1ea3o v\u00e0 mang nhi\u1ec1u lo ng\u1ea1i v\u1ec1 r\u1ee7i ro t\u00e0i ch\u00ednh, \u0111\u1eb7c bi\u1ec7t c\u00f3 th\u1ec3 g\u00e2y r\u1ee7i ro mang t\u00ednh v\u0129 m\u00f4. 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