{"id":14473,"date":"2018-08-01T11:45:42","date_gmt":"2018-08-01T04:45:42","guid":{"rendered":"https:\/\/anvilaw.com\/vi\/?p=14473"},"modified":"2022-03-20T11:50:54","modified_gmt":"2022-03-20T04:50:54","slug":"2-251-lienviet-postbank-co-be-cong-chinh-sach-lap-lo-de-lua-khach-hang","status":"publish","type":"post","link":"https:\/\/anvilaw.com\/vi\/2-251-lienviet-postbank-co-be-cong-chinh-sach-lap-lo-de-lua-khach-hang\/","title":{"rendered":"2.251. LienViet PostBank c\u00f3 ‘b\u1ebb cong’ ch\u00ednh s\u00e1ch, l\u1eadp l\u1edd \u0111\u1ec3 l\u1eeba kh\u00e1ch h\u00e0ng?"},"content":{"rendered":"(NN) –\u00a0<\/strong>N\u1ed9i dung th\u1ecfa thu\u1eadn m\u1eadp m\u1edd trong h\u1ee3p \u0111\u1ed3ng t\u00edn d\u1ee5ng gi\u1eefa Ng\u00e2n h\u00e0ng B\u01b0u \u0111i\u1ec7n Li\u00ean Vi\u1ec7t (LienViet PostBank) v\u00e0 kh\u00e1ch h\u00e0ng mua m\u00e1y n\u00f4ng nghi\u1ec7p Kubota khi\u1ebfn nh\u1eefng xung \u0111\u1ed9t l\u1ee3i \u00edch kinh t\u1ebf gi\u1eefa ng\u00e2n h\u00e0ng v\u00e0 ch\u1ee7 m\u00e1y n\u00f4ng nghi\u1ec7p Kubota tr\u1edf n\u00ean kh\u00f3 gi\u1ea3i quy\u1ebft.<\/strong><\/p>\n

L\u1eadp l\u1edd \u0111\u00e1nh l\u1eadn con \u0111en<\/p>\n

Ng\u00e0y 28\/3\/2017, T\u1ed5ng Gi\u00e1m \u0111\u1ed1c LienViet PostBank Ph\u1ea1m Do\u00e3n S\u01a1n k\u00fd th\u00f4ng b\u00e1o s\u1ed1 3732 v\u1ec1 vi\u1ec7c tri\u1ec3n khai cho vay mua m\u00e1y n\u00f4ng nghi\u1ec7p Kubota theo Quy\u1ebft \u0111\u1ecbnh s\u1ed1 68\/2013\/Q\u0110-TTg (Q\u0110 68) c\u1ee7a Th\u1ee7 t\u01b0\u1edbng Ch\u00ednh ph\u1ee7.<\/p>\n

Theo \u0111\u00f3, l\u00e3i su\u1ea5t cho vay \u00e1p d\u1ee5ng v\u1edbi hai \u0111i\u1ec1u ki\u1ec7n: M\u1ed9t l\u00e0 th\u1ef1c hi\u1ec7n cho vay theo l\u00e3i su\u1ea5t th\u00f4ng th\u01b0\u1eddng; hai l\u00e0 th\u1ef1c hi\u1ec7n cho vay theo Q\u0110 68, tuy nhi\u00ean LienViet PostBank th\u1ecfa thu\u1eadn v\u1edbi kh\u00e1ch h\u00e0ng v\u1ec1 vi\u1ec7c ng\u00e2n h\u00e0ng thu l\u00e3i c\u1ee7a kh\u00e1ch h\u00e0ng v\u1edbi m\u1ee9c l\u00e3i su\u1ea5t cho vay th\u00f4ng th\u01b0\u1eddng.<\/p>\n\n\n\n\n
\"\"\"\"<\/td>\n<\/tr>\n
Th\u00f4ng b\u00e1o tri\u1ec3n khai cho vay mua m\u00e1y n\u00f4ng nghi\u1ec7p c\u1ee7a Kubota theo Quy\u1ebft \u0111\u1ecbnh 68 c\u1ee7a Ng\u00e2n h\u00e0ng Li\u00ean Vi\u1ec7t<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n

Sau khi LienViet PostBank \u0111\u01b0\u1ee3c c\u1ea5p b\u00f9 l\u00e3i su\u1ea5t th\u00ec s\u1ebd th\u1ef1c hi\u1ec7n ho\u00e0n tr\u1ea3 l\u1ea1i cho kh\u00e1ch h\u00e0ng ph\u1ea7n l\u00e3i su\u1ea5t \u0111\u00e3 thu n\u00e0y. Vi\u1ec7c cho vay theo Q\u0110 68 trong n\u0103m 2017 s\u1ebd d\u1eebng khi doanh s\u1ed1 gi\u1ea3i ng\u00e2n c\u1ee7a s\u1ea3n ph\u1ea9m \u00e1p d\u1ee5ng Q\u0110 68 \u0111\u1ea1t 200 t\u1ef7 \u0111\u1ed3ng.<\/p>\n

Tr\u01b0\u1edbc \u0111\u00f3, trong th\u01b0 ng\u1ecf c\u1ee7a LienViet PostBank g\u1eedi c\u00e1c \u0111\u1ea1i l\u00fd c\u1ee7a Kubota Vi\u1ec7t Nam, ng\u00e2n h\u00e0ng n\u00e0y cho bi\u1ebft: \u201cNg\u00e0y 4\/9\/2015 LienViet PostBank v\u00e0 Kubota Vi\u1ec7t Nam \u0111\u00e3 ch\u00ednh th\u1ee9c k\u00fd k\u1ebft th\u1ecfa thu\u1eadn h\u1ee3p t\u00e1c v\u00e0 ch\u00ednh th\u1ee9c ban h\u00e0nh s\u1ea3n ph\u1ea9m \u201cCho vay mua m\u00e1y n\u00f4ng nghi\u1ec7p Kubota\u201d. M\u1ecdi kh\u00e1ch h\u00e0ng c\u1ee7a \u0111\u1ea1i l\u00fd Kubota khi vay v\u1ed1n mua m\u00e1y n\u00f4ng nghi\u1ec7p Kubota s\u1ebd nh\u1eadn \u0111\u01b0\u1ee3c nhi\u1ec1u \u01b0u \u0111\u00e3i h\u1ea5p d\u1eabn t\u1eeb LienViet PostBank\u201d.<\/p>\n

Ngo\u00e0i th\u01b0 ng\u1ecf, ng\u00e2n h\u00e0ng n\u00e0y c\u0169ng ban h\u00e0nh k\u00e8m th\u00f4ng tin chi ti\u1ebft v\u1ec1 g\u00f3i s\u1ea3n ph\u1ea9m, trong \u0111\u00f3 l\u00e3i su\u1ea5t cho vay: (1) theo Q\u0110 68: 0%\/n\u0103m trong 2 n\u0103m \u0111\u1ea7u, n\u0103m th\u1ee9 3 \u00e1p d\u1ee5ng 50% l\u00e3i su\u1ea5t hi\u1ec7n h\u00e0nh. (2) Vay th\u00f4ng th\u01b0\u1eddng: 9%\/n\u0103m trong 12 th\u00e1ng \u0111\u1ea7u. C\u00e1c n\u0103m ti\u1ebfp theo gi\u1ea3m 1%\/n\u0103m so v\u1edbi l\u00e3i su\u1ea5t cho vay th\u00f4ng th\u01b0\u1eddng c\u1ee7a LienViet PostBank.<\/p>\n\n\n\n
Trao \u0111\u1ed5i v\u1edbi ch\u00fang t\u00f4i, nhi\u1ec1u kh\u00e1ch h\u00e0ng \u1edf H\u00e0 N\u1ed9i, V\u0129nh Ph\u00fac, B\u1eafc Giang\u2026 cho bi\u1ebft c\u1ea3 nh\u00e2n vi\u00ean c\u1ee7a ng\u00e2n h\u00e0ng v\u00e0 \u0111\u1ea1i l\u00fd b\u00e1n m\u00e1y Kubota \u0111\u1ec1u kh\u1eb3ng \u0111\u1ecbnh LienViet PostBank tri\u1ec3n khai cho vay mua m\u00e1y n\u00f4ng nghi\u1ec7p theo Q\u0110 68. H\u1ecd \u0111\u00e3 tin t\u01b0\u1edfng v\u00e0 l\u00e0m th\u1ee7 t\u1ee5c \u0111\u1ec3 vay v\u1ed1n t\u00edn d\u1ee5ng v\u1edbi s\u1ed1 ti\u1ec1n dao \u0111\u1ed9ng t\u1eeb 400 \u2013 500 tri\u1ec7u \u0111\u1ed3ng\/ng\u01b0\u1eddi.<\/em><\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n

D\u1ef1a v\u00e0o th\u01b0 ng\u1ecf v\u00e0 c\u00e1c v\u0103n b\u1ea3n th\u00f4ng b\u00e1o tr\u00ean, c\u00e1c \u0111\u1ea1i l\u00fd c\u1ee7a Kubota v\u00e0 \u0111\u01a1n kinh doanh c\u1ee7a LienViet PostBank \u0111\u00e3 tri\u1ec3n khai g\u00f3i s\u1ea3n ph\u1ea9m tr\u00ean to\u00e0n h\u1ec7 th\u1ed1ng.<\/p>\n

\u201cC\u1ea7m \u0111\u00e8n ch\u1ea1y tr\u01b0\u1edbc \u00f4 t\u00f4\u201d<\/strong><\/p>\n

Trong kh\u1ebf \u01b0\u1edbc nh\u1eadn n\u1ee3 gi\u1eefa LienViet PostBank v\u00e0 kh\u00e1ch h\u00e0ng, ng\u00e2n h\u00e0ng n\u00e0y ghi r\u00f5: \u201cNg\u00e2n h\u00e0ng s\u1ebd th\u1ef1c hi\u1ec7n xin h\u1ed7 tr\u1ee3 ph\u1ea7n l\u00e3i cho b\u00ean vay theo Q\u0110 68. Trong tr\u01b0\u1eddng h\u1ee3p ng\u00e2n s\u00e1ch Nh\u00e0 n\u01b0\u1edbc chi tr\u1ea3 cho ng\u00e2n h\u00e0ng ph\u1ea7n l\u00e3i \u0111\u01b0\u1ee3c h\u1ed7 tr\u1ee3 theo Q\u0110 68, ng\u00e2n h\u00e0ng s\u1ebd ho\u00e0n l\u1ea1i cho b\u00ean vay to\u00e0n b\u1ed9 s\u1ed1 ti\u1ec1n l\u00e3i \u0111\u01b0\u1ee3c h\u1ed7 tr\u1ee3\u201d.<\/p>\n

Tuy nhi\u00ean, l\u1eddi h\u1ee9a \u1ea5y c\u1ee7a LienViet PostBank \u0111\u1ebfn nay v\u1eabn kh\u00f4ng th\u1ec3 th\u1ef1c hi\u1ec7n \u0111\u01b0\u1ee3c. V\u1eady nguy\u00ean nh\u00e2n do \u0111\u00e2u?<\/p>\n

Theo \u0110i\u1ec1u 5 Th\u00f4ng t\u01b0 89 c\u1ee7a B\u1ed9 T\u00e0i ch\u00ednh ban h\u00e0nh n\u0103m 2014 (h\u01b0\u1edbng d\u1eabn h\u1ed7 tr\u1ee3 l\u00e3i su\u1ea5t vay v\u1ed1n v\u00e0 c\u1ea5p b\u00f9 ch\u00eanh l\u1ec7ch l\u00e3i su\u1ea5t do th\u1ef1c hi\u1ec7n Q\u0110 68 c\u1ee7a Th\u1ee7 t\u01b0\u1edbng Ch\u00ednh ph\u1ee7), mu\u1ed1n \u0111\u01b0\u1ee3c ng\u00e2n s\u00e1ch Nh\u00e0 n\u01b0\u1edbc c\u1ea5p b\u00f9 ch\u00eanh l\u1ec7ch l\u00e3i su\u1ea5t th\u00ec h\u00e0ng n\u0103m, ch\u1eadm nh\u1ea5t v\u00e0o ng\u00e0y 31\/7, c\u00e1c ng\u00e2n h\u00e0ng th\u01b0\u01a1ng m\u1ea1i c\u0103n c\u1ee9 d\u1ef1 ki\u1ebfn d\u01b0 n\u1ee3 cho vay (theo Q\u0110 68) c\u1ee7a n\u0103m sau \u0111\u1ec3 x\u00e2y d\u1ef1ng k\u1ebf ho\u1ea1ch h\u1ed7 tr\u1ee3 l\u00e3i su\u1ea5t v\u00e0 c\u1ea5p b\u00f9 ch\u00eanh l\u1ec7ch l\u00e3i su\u1ea5t cho n\u0103m k\u1ebf ho\u1ea1ch (c\u00f3 chia ra t\u1eebng qu\u00fd) g\u1eedi B\u1ed9 KH- \u0110T v\u00e0 B\u1ed9 T\u00e0i ch\u00ednh.<\/p>\n

B\u1ed9 KH- \u0110T ph\u1ed1i h\u1ee3p v\u1edbi B\u1ed9 T\u00e0i ch\u00ednh b\u1ed1 tr\u00ed d\u1ef1 to\u00e1n chi c\u1ea5p b\u00f9 ch\u00eanh l\u1ec7ch l\u00e3i su\u1ea5t c\u1ee7a ng\u00e2n s\u00e1ch Trung \u01b0\u01a1ng \u0111\u1ec3 c\u1ea5p b\u00f9 cho c\u00e1c ng\u00e2n h\u00e0ng th\u01b0\u01a1ng m\u1ea1i cho vay th\u1ef1c hi\u1ec7n ch\u00ednh s\u00e1ch h\u1ed7 tr\u1ee3 gi\u1ea3m t\u1ed5n th\u1ea5t trong n\u00f4ng nghi\u1ec7p (theo Q\u0110 68).<\/p>\n

Tuy nhi\u00ean, trao \u0111\u1ed5i v\u1edbi PV NNVN, \u0111\u1ea1i di\u1ec7n LienViet PostBank th\u1eeba nh\u1eadn: \u201c\u0110\u1ebfn th\u1eddi \u0111i\u1ec3m hi\u1ec7n t\u1ea1i LienViet PostBank ch\u01b0a nh\u1eadn \u0111\u01b0\u1ee3c v\u0103n b\u1ea3n ph\u00ea duy\u1ec7t k\u1ebf ho\u1ea1ch t\u1eeb B\u1ed9 KH- \u0110T, do \u0111\u00f3 ch\u01b0a nh\u1eadn \u0111\u01b0\u1ee3c ti\u1ec1n h\u1ed7 tr\u1ee3 t\u1eeb ng\u00e2n s\u00e1ch Nh\u00e0 n\u01b0\u1edbc\u201d.<\/p>\n\n\n\n\n
\"\"<\/td>\n<\/tr>\n
Nhi\u1ec1u ch\u1ee7 m\u00e1y g\u1eb7t b\u1ee9c x\u00fac khi ng\u00e2n h\u00e0ng ch\u01b0a c\u1ea5p b\u00f9 l\u00e3i su\u1ea5t theo Quy\u1ebft \u0111\u1ecbnh 68<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n

Nh\u01b0 v\u1eady, c\u00f3 th\u1ec3 kh\u1eb3ng \u0111\u1ecbnh LienViet PostBank \u0111\u00e3 \u201cc\u1ea7m \u0111\u00e8n ch\u1ea1y tr\u01b0\u1edbc \u00f4 t\u00f4\u201d trong tri\u1ec3n khai cho vay mua m\u00e1y n\u00f4ng nghi\u1ec7p Kubota theo Q\u0110 68. Thay v\u00ec nh\u1eadn l\u1ed7i v\u1edbi kh\u00e1ch h\u00e0ng v\u00e0 t\u00ecm h\u01b0\u1edbng gi\u1ea3i quy\u1ebft, vi\u1ec7c LienViet PostBank \u201c\u0111\u00e1 b\u00f3ng tr\u00e1ch nhi\u1ec7m\u201d, \u0111\u1ed5 l\u1ed7i cho B\u1ed9 KH- \u0110T li\u1ec7u c\u00f3 khi\u1ebfn ng\u01b0\u1eddi\u00a0vay ti\u1ec1n mua m\u00e1y n\u00f4ng nghi\u1ec7p\u00a0t\u00e2m ph\u1ee5c kh\u1ea9u ph\u1ee5c?<\/p>\n

Lu\u1eadt s\u01b0 n\u00f3i LienViet PostBank sai!<\/em><\/strong><\/p>\n

V\u1edbi kinh nghi\u1ec7m 30 n\u0103m t\u01b0 v\u1ea5n chuy\u00ean nghi\u1ec7p v\u1ec1 l\u0129nh v\u1ef1c kinh t\u1ebf – ng\u00e2n h\u00e0ng, t\u1eebng gi\u1eef ch\u1ee9c Ph\u00f3 TG\u0110 Maritime Bank, Gi\u00e1m \u0111\u1ed1c ph\u00e1p ch\u1ebf BaovietBank,\u00a0Tr\u01b0\u1edfng\u00a0b\u1ed9 ph\u1eadn\u00a0Ph\u00e1p ch\u1ebf ng\u00e2n h\u00e0ng VIB\u2026, LS Tr\u01b0\u01a1ng Thanh \u0110\u1ee9c cho r\u1eb1ng: Quy tr\u00ecnh, th\u1ee7 t\u1ee5c gi\u1ea3i ng\u00e2n cho vay v\u1ed1n theo Q\u0110 68 c\u1ee7a LienViet PostBank l\u00e0 sai quy \u0111\u1ecbnh.<\/em><\/p>\n

\u201cTh\u1ef1c t\u1ebf, m\u1ed9t s\u1ed1 ng\u00e2n h\u00e0ng th\u01b0\u01a1ng m\u1ea1i c\u1ed5 ph\u1ea7n hay khoe v\u1ec1 vi\u1ec7c tham gia gi\u1ea3i ng\u00e2n m\u1ed9t s\u1ed1 g\u00f3i t\u00edn d\u1ee5ng h\u1ed7 tr\u1ee3 t\u00e0i ch\u00ednh n\u00f4ng nghi\u1ec7p, n\u00f4ng th\u00f4n do nh\u00e0 n\u01b0\u1edbc ph\u00e1t \u0111\u1ed9ng \u0111\u1ec3 \u201c\u0111\u00e1nh b\u00f3ng\u201d t\u00ean tu\u1ed5i, nh\u01b0ng k\u1ebft qu\u1ea3 cu\u1ed1i c\u00f9ng l\u1ea1i ch\u1eb3ng \u0111\u00e2u v\u00e0o \u0111\u00e2u\u201d, LS Tr\u01b0\u01a1ng Thanh \u0110\u1ee9c chia s\u1ebb.<\/em><\/p>\n

\u00d4ng Nguy\u1ec5n V\u0103n Th\u1ecd (th\u00f4n \u0110\u1ea1i \u00c1ng, x\u00e3 \u0110\u1ea1i \u00c1ng, huy\u1ec7n Thanh Tr\u00ec, H\u00e0 N\u1ed9i) cho bi\u1ebft s\u1ebd ph\u1ea3n \u0111\u1ed1i “y\u00eau s\u00e1ch” ph\u1ea3i \u0111\u00f3ng ti\u1ec1n l\u00e3i \u0111\u1ecbnh k\u1ef3 c\u1ee7a LienVietPostBank<\/em><\/p>\n

C\u00f2n \u0111\u1ed1i v\u1edbi tr\u01b0\u1eddng h\u1ee3p c\u1ee5 th\u1ec3 c\u1ee7a LienViet PostBank, LS \u0110\u1ee9c cho r\u1eb1ng: Khi nh\u1eefng kh\u00fac m\u1eafc v\u1ec1 th\u1ee7 t\u1ee5c h\u00e0nh ch\u00ednh gi\u1eefa ng\u00e2n h\u00e0ng v\u00e0 c\u01a1 quan nh\u00e0 n\u01b0\u1edbc ch\u01b0a \u0111\u01b0\u1ee3c gi\u1ea3i quy\u1ebft, \u0111\u1ea9y kh\u00e1ch h\u00e0ng vay v\u1ed1n v\u00e0o t\u00ecnh c\u1ea3nh kh\u00f3 kh\u0103n, th\u00ec LienViet PostBank ph\u1ea3i c\u00f3 tr\u00e1ch nhi\u1ec7m chia s\u1ebb kh\u00f3 kh\u0103n v\u1edbi kh\u00e1ch h\u00e0ng. Kh\u00f4ng th\u1ec3 n\u00e0o b\u1ebb cong ch\u00ednh s\u00e1ch h\u1ed7 tr\u1ee3 t\u00edn d\u1ee5ng c\u1ee7a nh\u00e0 n\u01b0\u1edbc th\u00e0nh ch\u01b0\u01a1ng tr\u00ecnh vay v\u1ed1n th\u01b0\u01a1ng m\u1ea1i thu\u1ea7n t\u00fay nh\u01b0 v\u1eady.<\/em><\/p>\n

Trao \u0111\u1ed5i v\u1edbi PV NNVN, nhi\u1ec1u kh\u00e1ch h\u00e0ng vay v\u1ed1n LienViet PostBank \u0111\u1ec3 mua m\u00e1y n\u00f4ng nghi\u1ec7p Kubota \u0111ang xem x\u00e9t thu\u00ea lu\u1eadt s\u01b0 \u0111\u1ec3 ki\u1ec7n nh\u1eefng \u0111\u01a1n v\u1ecb li\u00ean quan ra t\u00f2a. NNVN s\u1ebd ph\u1ea3n \u00e1nh v\u1ea5n \u0111\u1ec1 n\u00e0y.<\/em><\/p>\n

\u00d4ng Nghi\u00eam B\u00e1 An v\u00e0 con trai Nguy\u1ec5n B\u00e1 Thanh t\u1ed1 nh\u00e2n vi\u00ean LienVietPostBank n\u00f3i m\u1ed9t \u0111\u1eb1ng l\u00e0m m\u1ed9t n\u1ebbo<\/em><\/p>\n

\u0110\u1ed2NG TH\u00c1I<\/strong><\/p>\n

\u2014\u2014\u2014\u2014\u2014\u2014\u2014\u2014\u2014\u2013<\/strong><\/p>\n

N\u00f4ng nghi\u1ec7p Vi\u1ec7t Nam (B\u1ea1n \u0111\u1ecdc) 01-8-2018:<\/em><\/strong><\/p>\n

https:\/\/nongnghiep.vn\/lienviet-postbank-co-be-cong-chinh-sach-lap-lo-de-lua-khach-hang-post223768.html<\/em><\/a><\/p>\n

\u00a0<\/strong>(249\/1.184)<\/em>","protected":false},"excerpt":{"rendered":"

(NN) –\u00a0N\u1ed9i dung th\u1ecfa thu\u1eadn m\u1eadp m\u1edd trong h\u1ee3p \u0111\u1ed3ng t\u00edn d\u1ee5ng gi\u1eefa Ng\u00e2n h\u00e0ng B\u01b0u \u0111i\u1ec7n Li\u00ean Vi\u1ec7t (LienViet PostBank) v\u00e0 kh\u00e1ch h\u00e0ng mua m\u00e1y n\u00f4ng nghi\u1ec7p Kubota khi\u1ebfn nh\u1eefng xung \u0111\u1ed9t l\u1ee3i \u00edch kinh t\u1ebf gi\u1eefa ng\u00e2n h\u00e0ng v\u00e0 ch\u1ee7 m\u00e1y n\u00f4ng nghi\u1ec7p Kubota tr\u1edf n\u00ean kh\u00f3 gi\u1ea3i quy\u1ebft. L\u1eadp l\u1edd \u0111\u00e1nh l\u1eadn […]<\/p>\n","protected":false},"author":3,"featured_media":14476,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":""},"categories":[27,26],"tags":[],"class_list":["post-14473","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-interviews","category-legal-media"],"acf":[],"yoast_head":"\n2.251. 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