{"id":15169,"date":"2017-09-16T11:24:23","date_gmt":"2017-09-16T04:24:23","guid":{"rendered":"https:\/\/anvilaw.com\/vi\/?p=15169"},"modified":"2022-03-22T11:28:14","modified_gmt":"2022-03-22T04:28:14","slug":"1-810-dung-nham-lan-dan-ngheo-gui-tiet-kiem-voi-nha-giau-dau-tu-kinh-doanh","status":"publish","type":"post","link":"https:\/\/anvilaw.com\/vi\/1-810-dung-nham-lan-dan-ngheo-gui-tiet-kiem-voi-nha-giau-dau-tu-kinh-doanh\/","title":{"rendered":"1.810. \u0110\u1eebng nh\u1ea7m l\u1eabn d\u00e2n ngh\u00e8o g\u1eedi ti\u1ebft ki\u1ec7m v\u1edbi nh\u00e0 gi\u00e0u \u0111\u1ea7u t\u01b0 kinh doanh"},"content":{"rendered":"(VNF) \u2013 “C\u00e1 nh\u00e2n cho vay c\u00e1c doanh nghi\u1ec7p, c\u00e1 nh\u00e2n kh\u00e1c \u0111\u1ec1u ph\u1ea3i n\u1ed9p thu\u1ebf thu nh\u1eadp tr\u00ean ti\u1ec1n l\u00e3i; th\u1eadm ch\u00ed b\u00e1n nh\u00e0, chuy\u1ec3n nh\u01b0\u1ee3ng c\u1ed3 ph\u1ea7n d\u00f9 l\u1ed7 c\u0169ng ph\u1ea3i n\u1ed9p thu\u1ebf thu nh\u1eadp, v\u1eady t\u1ea1i sao l\u00e3i ti\u1ec1n g\u1eedi ng\u00e2n h\u00e0ng c\u00f3 gi\u00e1 tr\u1ecb l\u00ean t\u1edbi h\u00e0ng tr\u0103m tri\u1ec7u \u0111\u1ed3ng, th\u1eadm ch\u00ed h\u00e0ng t\u1ef7 \u0111\u1ed3ng l\u1ea1i \u0111\u01b0\u1ee3c mi\u1ec5n thu\u1ebf?” \u2013 lu\u1eadt s\u01b0 Tr\u01b0\u01a1ng Thanh \u0110\u1ee9c n\u00f3i.<\/strong><\/p>\n

\"\"<\/p>\n

Lu\u1eadt s\u01b0 Tr\u01b0\u01a1ng Thanh \u0110\u1ee9c – Gi\u00e1m \u0111\u1ed1c C\u00f4ng ty Lu\u1eadt ANVI<\/em><\/p>\n

T\u1ea1i h\u1ed9i th\u1ea3o l\u1ea5y \u00fd ki\u1ebfn s\u1eeda \u0111\u1ed5i 5 Lu\u1eadt thu\u1ebf do VCCI t\u1ed5 ch\u1ee9c m\u1edbi \u0111\u00e2y, lu\u1eadt s\u01b0 Tr\u01b0\u01a1ng Thanh \u0110\u1ee9c \u2013 Gi\u00e1m \u0111\u1ed1c C\u00f4ng ty Lu\u1eadt ANVI – \u0111\u00e3 \u0111\u01b0a ra \u0111\u1ec1 xu\u1ea5t \u0111\u00e1nh thu\u1ebf \u0111\u1ed1i v\u1edbi ph\u1ea7n l\u00e3i ti\u1ec1n g\u1eedi ng\u00e2n h\u00e0ng c\u1ee7a c\u00e1 nh\u00e2n \u0111\u1ed1i v\u1edbi s\u1ed1 ti\u1ec1n l\u1edbn.<\/p>\n

C\u1ee5 th\u1ec3, \u00f4ng \u0110\u1ee9c cho r\u1eb1ng: n\u1ebfu thu nh\u1eadp t\u1eeb l\u00e3i ti\u1ebft ki\u1ec7m cao h\u01a1n 2 l\u1ea7n m\u1ee9c kh\u1edfi \u0111i\u1ec3m (t\u00ednh theo n\u0103m) c\u1ee7a thu nh\u1eadp c\u00e1 nh\u00e2n ch\u1ecbu thu\u1ebf th\u00ec c\u1ea7n \u0111\u00e1nh thu\u1ebf \u0111\u1ed1i v\u1edbi ph\u1ea7n l\u00e3i n\u00e0y.<\/p>\n

Theo quy \u0111\u1ecbnh hi\u1ec7n nay, m\u1ee9c kh\u1edfi \u0111i\u1ec3m ch\u1ecbu thu\u1ebf thu nh\u1eadp c\u00e1 nh\u00e2n (t\u00ednh theo n\u0103m) l\u00e0 108 tri\u1ec7u \u0111\u1ed3ng (s\u1eafp t\u1edbi theo \u0111\u1ec1 xu\u1ea5t c\u1ee7a B\u1ed9 T\u00e0i ch\u00ednh l\u00e0 120 tri\u1ec7u \u0111\u1ed3ng). Nh\u01b0 v\u1eady, n\u1ebfu ph\u1ea7n l\u00e3i ti\u1ebft ki\u1ec7m c\u1ee7a m\u1ed9t c\u00e1 nh\u00e2n cao h\u01a1n 216 tri\u1ec7u \u0111\u1ed3ng (ho\u1eb7c 240 tri\u1ec7u \u0111\u1ed3ng trong t\u01b0\u01a1ng lai) th\u00ec c\u1ea7n \u0111\u01b0a v\u00e0o di\u1ec7n n\u1ed9p thu\u1ebf.<\/p>\n

“L\u00e2u nay ch\u00fang ta \u0111\u00e3 qu\u00e1 y\u00eau chi\u1ec1u ng\u00e0nh ng\u00e2n h\u00e0ng. Nhi\u1ec1u ng\u01b0\u1eddi thu nh\u1eadp t\u1eeb ti\u1ebft ki\u1ec7m ng\u00e2n h\u00e0ng t\u1edbi h\u01a1n 200 tri\u1ec7u \u0111\u1ed3ng, nh\u01b0 v\u1eady ph\u1ea3i g\u1ecdi l\u00e0 \u0111\u1ea7u t\u01b0 r\u1ed3i”, \u00f4ng \u0110\u1ee9c n\u00f3i t\u1ea1i h\u1ed9i th\u1ea3o.<\/p>\n

\u0110\u01b0\u1ee3c bi\u1ebft, l\u00e3i su\u1ea5t huy \u0111\u1ed9ng k\u00ec h\u1ea1n 1 n\u0103m hi\u1ec7n nay kho\u1ea3ng 6 – 7%. Nh\u01b0 v\u1eady, \u0111\u1ec3 c\u00f3 kho\u1ea3n l\u00e3i h\u01a1n 200 tri\u1ec7u \u0111\u1ed3ng, ng\u01b0\u1eddi d\u00e2n ph\u1ea3i c\u00f3 kho\u1ea3n g\u1eedi kho\u1ea3ng 3 \u2013 4 t\u1ef7 \u0111\u1ed3ng tr\u1edf l\u00ean.<\/p>\n

\u0110\u1ec1 xu\u1ea5t c\u1ee7a \u00f4ng Tr\u01b0\u01a1ng Thanh \u0110\u1ee9c l\u1eadp t\u1ee9c g\u00e2y ra nh\u1eefng tranh c\u00e3i tr\u00e1i chi\u1ec1u trong d\u01b0 lu\u1eadn. B\u1edfi tr\u01b0\u1edbc nay, vi\u1ec7c \u0111\u00e1nh thu\u1ebf ti\u1ec1n l\u00e3i ti\u1ebft ki\u1ec7m c\u1ee7a c\u00e1 nh\u00e2n v\u1eabn lu\u00f4n l\u00e0 m\u1ed9t v\u1ea5n \u0111\u1ec1 “nh\u1ea1y c\u1ea3m” t\u1ea1i Vi\u1ec7t Nam. H\u1ed3i n\u0103m 2013, Hi\u1ec7p h\u1ed9i b\u1ea5t \u0111\u1ed9ng s\u1ea3n TP HCM (HoREA) c\u0169ng t\u1eebng \u0111\u01b0a ra \u0111\u1ec1 xu\u1ea5t \u0111\u00e1nh thu\u1ebf thu nh\u1eadp \u0111\u1ed1i v\u1edbi kho\u1ea3n ti\u1ec1n g\u1eedi tr\u00ean 500 tri\u1ec7u \u0111\u1ed3ng v\u00e0 sau \u0111\u00f3\u2026 b\u1ecb ph\u1ea3n \u0111\u1ed1i m\u1ea1nh m\u1ebd.<\/p>\n

Nh\u1eb1m hi\u1ec3u r\u00f5 h\u01a1n v\u1ec1 \u0111\u1ec1 xu\u1ea5t n\u00e0y, VietnamFinance \u0111\u00e3 c\u00f3 cu\u1ed9c trao \u0111\u1ed5i v\u1edbi lu\u1eadt s\u01b0 Tr\u01b0\u01a1ng Thanh \u0110\u1ee9c:<\/p>\n

PV:<\/em><\/strong>\u00a0Ph\u00e1p lu\u1eadt hi\u1ec7n h\u00e0nh quy \u0111\u1ecbnh v\u1ec1 vi\u1ec7c \u0111\u00e1nh thu\u1ebf thu nh\u1eadp \u0111\u1ed1i v\u1edbi ti\u1ec1n l\u00e3i c\u1ee7a kho\u1ea3n ti\u1ec1n g\u1eedi v\u00e0 cho vay c\u1ee7a c\u00e1 nh\u00e2n nh\u01b0 th\u1ebf n\u00e0o?<\/em><\/p>\n

Lu\u1eadt s\u01b0 Tr\u01b0\u01a1ng Thanh \u0110\u1ee9c:<\/strong>\u00a0Theo quy \u0111\u1ecbnh t\u1ea1i kho\u1ea3n 3, \u0110i\u1ec1u 3 v\u1ec1 “Thu nh\u1eadp ch\u1ecbu thu\u1ebf”, Lu\u1eadt Thu\u1ebf thu nh\u1eadp c\u00e1 nh\u00e2n n\u0103m 2007, s\u1eeda \u0111\u1ed5i, b\u1ed5 sung n\u0103m 2012, th\u00ec kho\u1ea3n thu nh\u1eadp t\u1eeb \u0111\u1ea7u t\u01b0 v\u1ed1n, bao g\u1ed3m: Ti\u1ec1n l\u00e3i cho vay, l\u1ee3i t\u1ee9c c\u1ed5 ph\u1ea7n v\u00e0 thu nh\u1eadp t\u1eeb \u0111\u1ea7u t\u01b0 v\u1ed1n d\u01b0\u1edbi c\u00e1c h\u00ecnh th\u1ee9c kh\u00e1c (tr\u1eeb thu nh\u1eadp t\u1eeb l\u00e3i tr\u00e1i phi\u1ebfu Ch\u00ednh ph\u1ee7), \u0111ang b\u1ecb \u0111\u00e1nh thu\u1ebf 5%. \u0110\u1ed3ng th\u1eddi, theo kho\u1ea3n 7, \u0110i\u1ec1u 4 v\u1ec1 “Thu nh\u1eadp \u0111\u01b0\u1ee3c mi\u1ec5n thu\u1ebf” c\u1ee7a Lu\u1eadt n\u00e0y th\u00ec “Thu nh\u1eadp t\u1eeb l\u00e3i ti\u1ec1n g\u1eedi t\u1ea1i t\u1ed5 ch\u1ee9c t\u00edn d\u1ee5ng” \u0111\u01b0\u1ee3c mi\u1ec5n thu\u1ebf.<\/p>\n

\u0110i\u1ec1u \u0111\u00f3 c\u00f3 ngh\u0129a l\u00e0, c\u00e1 nh\u00e2n thu m\u1ed9t \u0111\u1ed3ng l\u00e3i t\u1eeb vi\u1ec7c cho vay c\u00f4ng ty, ph\u00e1p nh\u00e2n, c\u00e1 nh\u00e2n kh\u00e1c hay \u0111\u01b0\u1ee3c chia c\u1ed5 t\u1ee9c \u0111\u1ec1u b\u1ecb \u0111\u00e1nh thu\u1ebf 5%, trong khi thu l\u00e3i ti\u1ec1n g\u1eedi ng\u00e2n h\u00e0ng th\u00ec kh\u00f4ng ph\u1ea3i n\u1ed9p thu\u1ebf trong m\u1ecdi tr\u01b0\u1eddng h\u1ee3p, d\u00f9 l\u00e0 thu l\u00e3i h\u00e0ng ch\u1ee5c t\u1ef7 \u0111\u1ed3ng.<\/p>\n

PV:<\/strong>\u00a0V\u1eady t\u1ea1i sao \u00f4ng \u0111\u1ec1 xu\u1ea5t \u0111\u00e1nh thu\u1ebf thu nh\u1eadp \u0111\u1ed1i v\u1edbi c\u1ea3 ti\u1ec1n l\u00e3i g\u1eedi ng\u00e2n h\u00e0ng?<\/em><\/p>\n

Lu\u1eadt s\u01b0 Tr\u01b0\u01a1ng Thanh \u0110\u1ee9c:<\/strong>\u00a0Tr\u01b0\u1edbc h\u1ebft n\u00f3i l\u1ea1i cho r\u00f5, t\u00f4i kh\u00f4ng d\u1ea1i g\u00ec \u0111\u1ec1 xu\u1ea5t vi\u1ec7c \u0111\u00e1nh thu\u1ebf thu nh\u1eadp \u0111\u1ed1i v\u1edbi c\u00e1c kho\u1ea3n thu nh\u1eadp l\u00e3i ti\u1ebft ki\u1ec7m th\u1ea5p c\u1ee1 v\u00e0i tri\u1ec7u \u0111\u1ed3ng m\u1ed7i th\u00e1ng hay d\u01b0\u1edbi 200 tri\u1ec7u \u0111\u1ed3ng\/n\u0103m.<\/p>\n

T\u00f4i \u0111\u1ec1 xu\u1ea5t \u0111\u00e1nh thu\u1ebf kho\u1ea3n thu nh\u1eadp ti\u1ec1n l\u00e3i c\u1ee7a kho\u1ea3n ti\u1ec1n g\u1eedi ng\u00e2n h\u00e0ng nh\u01b0 \u0111\u1ed1i v\u1edbi ti\u1ec1n g\u1eedi t\u1ea1i n\u01a1i kh\u00e1c, theo nh\u01b0 quy \u0111\u1ecbnh tr\u00ean. Tuy nhi\u00ean, v\u1ea5n \u0111\u1ec1 m\u1ea5u ch\u1ed1t l\u00e0 ch\u1ec9 \u0111\u00e1nh thu\u1ebf \u0111\u1ed1i v\u1edbi kho\u1ea3n thu nh\u1eadp l\u00e3i ti\u1ec1n g\u1eedi ng\u00e2n h\u00e0ng v\u01b0\u1ee3t 2 l\u1ea7n m\u1ee9c kh\u1edfi \u0111i\u1ec3m ch\u1ecbu thu\u1ebf thu nh\u1eadp c\u00e1 nh\u00e2n (t\u1ee9c l\u00e0 kho\u1ea3ng 216 tri\u1ec7u \u0111\u1ed3ng\/n\u0103m hi\u1ec7n nay, v\u00e0 d\u1ef1 ki\u1ebfn l\u00e0 240 tri\u1ec7u \u0111\u1ed3ng t\u1eeb 2019). C\u00f3 ngh\u0129a l\u00e0 anh c\u00f3 c\u1ea3 hai ph\u1ea7n thu nh\u1eadp th\u01b0\u1eddng xuy\u00ean v\u00e0 b\u1ea5t th\u01b0\u1eddng, th\u00ec thu nh\u1eadp c\u1ee1 360 tri\u1ec7u \u0111\u1ed3ng\/n\u0103m (g\u1ed3m 120 tri\u1ec7u \u0111\u1ed3ng thu nh\u1eadp c\u00e1 nh\u00e2n v\u00e0 240 tri\u1ec7u \u0111\u1ed3ng thu nh\u1eadp t\u1eeb l\u00e3i ti\u1ec1n g\u1eedi) tr\u1edf l\u00ean th\u00ec m\u1edbi b\u1ecb \u0111\u00e1nh thu\u1ebf.<\/p>\n

T\u00f3m l\u1ea1i, l\u00e0 t\u00f4i kh\u00f4ng \u0111\u1ec1 xu\u1ea5t \u0111\u00e1nh thu\u1ebf \u0111\u1ed1i v\u1edbi thu nh\u1eadp ti\u1ec1n g\u1eedi ng\u00e2n h\u00e0ng n\u00f3i chung, m\u00e0 ch\u1ec9 \u0111\u1ed1i v\u1edbi c\u00e1c kho\u1ea3n ti\u1ec1n l\u00e3i kh\u00e1 l\u1edbn v\u00ec s\u1ef1 c\u00f4ng b\u1eb1ng.<\/p>\n

PV:<\/em><\/strong>\u00a0V\u1eady n\u1ebfu kh\u00f4ng \u0111\u00e1nh thu\u1ebf thu nh\u1eadp \u0111\u1ed1i v\u1edbi kho\u1ea3n l\u00e3i l\u1edbn nh\u01b0 tr\u00ean th\u00ec s\u1ebd c\u00f3 s\u1ef1 b\u1ea5t c\u00f4ng b\u1eb1ng n\u00e0o?<\/em><\/p>\n

Lu\u1eadt s\u01b0 Tr\u01b0\u01a1ng Thanh \u0110\u1ee9c:\u00a0<\/strong>Ch\u00ednh s\u00e1ch \u2013 ph\u00e1p lu\u1eadt thu\u1ebf c\u1ee7a ch\u00fang hi\u1ec7n nay, c\u00f3 th\u1ec3 n\u00f3i l\u00e0 c\u00f2n nhi\u1ec1u b\u1ea5t c\u1eadp. C\u00e1 nh\u00e2n cho vay c\u00e1c doanh nghi\u1ec7p, c\u00e1 nh\u00e2n kh\u00e1c \u0111\u1ec1u ph\u1ea3i n\u1ed9p thu\u1ebf thu nh\u1eadp tr\u00ean ti\u1ec1n l\u00e3i; th\u1eadm ch\u00ed b\u00e1n nh\u00e0, chuy\u1ec3n nh\u01b0\u1ee3ng c\u1ed3 ph\u1ea7n d\u00f9 l\u1ed7 c\u0169ng ph\u1ea3i n\u1ed9p thu\u1ebf thu nh\u1eadp, v\u1eady t\u1ea1i sao l\u00e3i ti\u1ec1n g\u1eedi ng\u00e2n h\u00e0ng c\u00f3 gi\u00e1 tr\u1ecb l\u00ean t\u1edbi h\u00e0ng tr\u0103m tri\u1ec7u \u0111\u1ed3ng, th\u1eadm ch\u00ed h\u00e0ng t\u1ef7 \u0111\u1ed3ng l\u1ea1i \u0111\u01b0\u1ee3c mi\u1ec5n thu\u1ebf?<\/p>\n

Ng\u01b0\u1eddi \u0111\u1ea7u t\u01b0 v\u00e0o doanh nghi\u1ec7p n\u00f3i chung, v\u00e0o c\u1ed5 ph\u1ea7n, c\u1ed5 phi\u1ebfu n\u00f3i ri\u00eang ch\u1ecbu r\u1ea5t nhi\u1ec1u r\u1ee7i ro (nhi\u1ec1u khi kh\u00f4ng l\u00e3i trong nhi\u1ec1u n\u0103m ho\u1eb7c m\u1ea5t tr\u1eafng n\u1ebfu doanh nghi\u1ec7p thua l\u1ed7, ph\u00e1 s\u1ea3n) nh\u01b0ng c\u1ee9 c\u00f3 thu nh\u1eadp c\u1ed5 t\u1ee9c – d\u00f9 1 \u0111\u1ed3ng, th\u00ec c\u0169ng b\u1ecb \u0111\u00e1nh thu\u1ebf thu nh\u1eadp 5%. Thu 1 \u0111\u1ed3ng l\u00e3i cho vay doanh nghi\u1ec7p, c\u00e1 nh\u00e2n \u0111\u1ec1u ph\u1ea3i n\u1ed9p 5% thu\u1ebf thu nh\u1eadp, v\u1eady th\u00ec thu l\u00e3i t\u1eeb ti\u1ec1n g\u1eedi c\u00e1c t\u1ed5 ch\u1ee9c t\u00edn d\u1ee5ng l\u00ean \u0111\u1ebfn h\u00e0ng tr\u0103m tri\u1ec7u \u0111\u1ed3ng, th\u1eadm ch\u00ed h\u00e0ng t\u1ef7 \u0111\u1ed3ng m\u1edbi \u0111\u00e1nh thu\u1ebf 5% th\u00ec kh\u00f4ng c\u00f3 g\u00ec b\u1ea5t h\u1ee3p l\u00fd.<\/p>\n

N\u00ean nh\u1edb r\u1eb1ng hi\u1ec7n nay, thu nh\u1eadp t\u1eeb ti\u1ec1n l\u01b0\u01a1ng v\u00e0 h\u1ea7u h\u1ebft c\u00e1c kho\u1ea3n kh\u00e1c c\u1ed9ng l\u1ea1i, n\u1ebfu \u1edf v\u00e0i tr\u0103m tri\u1ec7u \u0111\u1ed3ng tr\u1edf l\u00ean th\u00ec \u0111ang b\u1ecb \u0111\u00e1nh thu\u1ebf kho\u1ea3ng 20%, th\u1eadm ch\u00ed l\u00e0 35%.<\/p>\n

\"\"<\/p>\n

“Thu l\u00e3i t\u1eeb ti\u1ec1n g\u1eedi c\u00e1c t\u1ed5 ch\u1ee9c t\u00edn d\u1ee5ng l\u00ean \u0111\u1ebfn h\u00e0ng tr\u0103m tri\u1ec7u \u0111\u1ed3ng m\u1edbi \u0111\u00e1nh thu\u1ebf 5% th\u00ec kh\u00f4ng c\u00f3 g\u00ec b\u1ea5t h\u1ee3p l\u00fd”, lu\u1eadt s\u01b0 Tr\u01b0\u01a1ng Thanh \u0110\u1ee9c.<\/em><\/p>\n

PV:<\/strong>\u00a0C\u00f3 \u00fd ki\u1ebfn cho r\u1eb1ng ph\u1ea7n l\u1edbn nh\u1eefng ng\u01b0\u1eddi g\u1eedi ti\u1ebft ki\u1ec7m \u0111\u1ec1u l\u00e0 ng\u01b0\u1eddi c\u00f3 thu nh\u1eadp th\u1ea5p, n\u1ebfu \u0111\u00e1nh thu\u1ebf kho\u1ea3n l\u00e3i c\u1ee7a h\u1ecd th\u00ec kh\u00f4ng nh\u00e2n v\u0103n?<\/em><\/p>\n

Lu\u1eadt s\u01b0 Tr\u01b0\u01a1ng Thanh \u0110\u1ee9c:<\/strong>\u00a0V\u1ec1 b\u1ea3n ch\u1ea5t kho\u1ea3n thu nh\u1eadp n\u00e0y l\u00e0 thu nh\u1eadp \u0111\u1ea7u t\u01b0 v\u1ed1n theo quy \u0111\u1ecbnh c\u1ee7a Lu\u1eadt hi\u1ec7n h\u00e0nh, n\u00ean t\u00ednh thu\u1ebf theo m\u1ed9t m\u1ee9c chung l\u00e0 5%. N\u1ebfu m\u1ed9t c\u00e1 nh\u00e2n thu l\u00e3i t\u1eeb ti\u1ec1n g\u1eedi ng\u00e2n h\u00e0ng l\u00ean \u0111\u1ebfn tr\u00ean 240 tri\u1ec7u \u0111\u1ed3ng\/n\u0103m th\u00ec l\u00e0 ng\u01b0\u1eddi c\u00f3 thu nh\u1eadp cao, l\u00e0 nh\u00e0 gi\u00e0u, ch\u1ee9 kh\u00f4ng ph\u1ea3i l\u00e0 ng\u01b0\u1eddi c\u00f3 thu nh\u1eadp nh\u1ea5p, hay nh\u00e0 ngh\u00e8o. \u0110\u1ea5y l\u00e0 ch\u01b0a k\u1ec3 nh\u1eefng ng\u01b0\u1eddi nh\u01b0 v\u1eady th\u01b0\u1eddng c\u00f2n c\u00e1c kho\u1ea3n thu nh\u1eadp th\u01b0\u1eddng xuy\u00ean v\u00e0 b\u1ea5t th\u01b0\u1eddng kh\u00e1c n\u1eefa.<\/p>\n

Tr\u00ean th\u1ef1c t\u1ebf, t\u00f4i \u0111\u01b0\u1ee3c bi\u1ebft, c\u00f3 nhi\u1ec1u kh\u00e1ch h\u00e0ng g\u1eedi h\u00e0ng ch\u1ee5c, h\u00e0ng tr\u0103m t\u1ef7 \u0111\u1ed3ng v\u00e0o ng\u00e2n h\u00e0ng, su\u1ed1t n\u0103m n\u00e0y qua n\u0103m kh\u00e1c, thu l\u00e3i h\u00e0ng t\u1ef7 \u0111\u1ed3ng, th\u00ec c\u1ea7n g\u1ecdi \u0111\u00fang b\u1ea3n ch\u1ea5t l\u00e0 \u0111\u1ea7u t\u01b0, kinh doanh (ch\u00ednh Lu\u1eadt Thu\u1ebf thu nh\u1eadp c\u00e1 nh\u00e2n \u0111ang g\u1ecdi vi\u1ec7c ng\u01b0\u1eddi n\u00e0y cho ng\u01b0\u1eddi kia vay ti\u1ec1n l\u1ea5y l\u00e3i l\u00e0 ho\u1ea1t \u0111\u1ed9ng \u0111\u1ea7u t\u01b0 v\u1ed1n).<\/p>\n

PV:<\/strong>\u00a0Vi\u1ec7c \u0111\u00e1nh thu\u1ebf kho\u1ea3n l\u00e3i ti\u1ec1n g\u1eedi ng\u00e2n h\u00e0ng s\u1ebd c\u00f3 t\u00e1c d\u1ee5ng g\u00ec?<\/em><\/p>\n

Lu\u1eadt s\u01b0 Tr\u01b0\u01a1ng Thanh \u0110\u1ee9c:<\/strong>\u00a0T\u00f4i cho r\u1eb1ng c\u1ea7n khuy\u1ebfn kh\u00edch ng\u01b0\u1eddi c\u00f3 nhi\u1ec1u ti\u1ec1n chuy\u1ec3n sang \u0111\u1ea7u t\u01b0 kinh doanh, thay v\u00ec khuy\u1ebfn kh\u00edch g\u1eedi v\u00e0o ng\u00e2n h\u00e0ng. N\u1ebfu ch\u1ec9 khuy\u1ebfn kh\u00edch g\u1eedi ng\u00e2n h\u00e0ng th\u00ec ph\u00f9 h\u1ee3p h\u01a1n v\u1edbi th\u1eddi bao c\u1ea5p (v\u00ec c\u1ea5m kinh t\u1ebf t\u01b0 nh\u00e2n). Nh\u01b0ng \u0111\u00e2y l\u00e0 th\u1eddi kinh t\u1ebf th\u1ecb tr\u01b0\u1eddng v\u00e0 t\u1ef1 do kinh doanh, khuy\u1ebfn kh\u00edch vi\u1ec7c kh\u1edfi nghi\u1ec7p, th\u00e0nh l\u1eadp doanh nghi\u1ec7p, h\u1ed9 kinh doanh, khuy\u1ebfn kh\u00edch \u0111\u1ea7u t\u01b0 tr\u1ef1c ti\u1ebfp, d\u00f2ng ti\u1ec1n c\u1ea7n \u0111\u01b0\u1ee3c \u0111\u01b0a th\u1eb3ng v\u00e0o n\u1ec1n kinh t\u1ebf. \u0110\u00e1nh thu\u1ebf kho\u1ea3n l\u00e3i ti\u1ec1n g\u1eedi l\u1edbn \u0111\u1ec3 nh\u1eefng ai coi vi\u1ec7c g\u1eedi ti\u1ec1n ng\u00e2n h\u00e0ng l\u00e0 m\u1ed9t k\u00eanh ch\u00ednh \u0111\u1ec3 \u0111\u1ea7u t\u01b0 ph\u1ea3i c\u00e2n nh\u1eafc l\u1ea1i quy\u1ebft \u0111\u1ecbnh c\u1ee7a m\u00ecnh.<\/p>\n

C\u00f2n t\u1ea5t nhi\u00ean, n\u1ebfu v\u00ec thu\u1ebf su\u1ea5t 5% thu nh\u1eadp ti\u1ec1n l\u00e3i m\u00e0 ng\u01b0\u1eddi gi\u00e0u \u0111em ti\u1ec1n \u0111i tr\u1ef1c ti\u1ebfp \u0111\u1ea7u t\u01b0, kinh doanh, g\u00f3p v\u1ed1n, mua c\u1ed5 ph\u1ea7n, mua tr\u00e1i phi\u1ebfu,\u2026 th\u00ec qu\u00e1 t\u1ed1t. V\u00ec v\u1ec1 b\u1ea3n ch\u1ea5t, ti\u1ec1n g\u1eedi ng\u00e2n h\u00e0ng c\u0169ng l\u00e0 nh\u1eb1m \u0111\u1ec3 \u0111\u1ea7u t\u01b0 cho vay s\u1ea3n xu\u1ea5t, kinh doanh m\u00e0 th\u00f4i. T\u00f4i cho r\u1eb1ng, c\u00f3 \u0111\u00e1nh thu\u1ebf 5% th\u00ec c\u0169ng ch\u1ec9 d\u1ecbch chuy\u1ec3n nh\u1eb9 nh\u00e0ng v\u00e0 t\u1eeb t\u1eeb d\u00f2ng ti\u1ec1n b\u1edbt qua trung gian ng\u00e2n h\u00e0ng. C\u00f2n v\u1ec1 c\u01a1 b\u1ea3n, ch\u1eb3ng ai d\u1ea1i g\u00ec v\u00ec s\u1ee3 m\u1ea5t 5% m\u00e0 t\u1eeb b\u1ecf kho\u1ea3n l\u1ee3i nhu\u1eadn 95% c\u00f2n l\u1ea1i?<\/p>\n

PV:<\/strong>\u00a0V\u1eady c\u00f2n \u00fd ki\u1ebfn lo ng\u1ea1i: \u0111\u00e1nh thu\u1ebf kho\u1ea3n l\u00e3i ti\u1ec1n g\u1eedi l\u00e0m gi\u1ea3m huy \u0111\u1ed9ng c\u1ee7a ng\u00e2n h\u00e0ng?<\/em><\/p>\n

Lu\u1eadt s\u01b0 Tr\u01b0\u01a1ng Thanh \u0110\u1ee9c:<\/strong>\u00a0N\u1ebfu v\u00ec vi\u1ec7c \u0111\u00e1nh thu\u1ebf n\u00e0y, m\u00e0 ti\u1ec1n v\u00e0o ng\u00e2n h\u00e0ng \u00edt \u0111i, th\u00ec ch\u1eb3ng qua l\u00e0 n\u00f3 \u0111\u00e3 ch\u1ea1y th\u1eb3ng v\u00e0o s\u1ea3n xu\u1ea5t kinh doanh, ch\u1ee9 kh\u00f4ng ph\u1ea3i ng\u01b0\u1eddi ta gi\u1eef trong k\u00e9t.<\/p>\n

N\u1ebfu v\u00ec vi\u1ec7c \u0111\u00e1nh thu\u1ebf kho\u1ea3n l\u00e3i ti\u1ec1n g\u1eedi m\u00e0 ng\u01b0\u1eddi ta ph\u1ea3i ph\u00e2n nh\u1ecf ti\u1ec1n th\u00e0nh c\u00e1c g\u00f3i g\u1eedi kh\u00f4ng qu\u00e1 4 t\u1ef7 \u0111\u1ed3ng t\u1ea1i m\u1ed7i ng\u00e2n h\u00e0ng ch\u1eb3ng h\u1ea1n (\u0111\u1ec3 kh\u00f4ng ph\u1ea3i n\u1ed9p thu\u1ebf) th\u00ec c\u0169ng ch\u1eb3ng g\u00e2y ra h\u1ec7 l\u1ee5y g\u00ec gh\u00ea g\u1edbm. Th\u1eadm ch\u00ed \u0111i\u1ec1u n\u00e0y c\u00f2n t\u1ea1o th\u00eam s\u1ef1 c\u00f4ng b\u1eb1ng cho c\u00e1c ng\u00e2n h\u00e0ng nh\u1ecf v\u00e0 th\u1eadm ch\u00ed c\u00f2n c\u00f3 t\u00e1c d\u1ee5ng an to\u00e0n h\u01a1n cho ch\u00ednh ng\u01b0\u1eddi g\u1eedi ti\u1ebft ki\u1ec7m, v\u00ec m\u1ee9c chi tr\u1ea3 b\u1ea3o hi\u1ec3m ti\u1ec1n g\u1eedi \u0111ang kh\u00e1 th\u1ea5p v\u00e0 \u0111\u01b0\u1ee3c t\u00ednh ri\u00eang bi\u1ec7t theo t\u1eebng ng\u00e2n h\u00e0ng.<\/p>\n

Xin c\u1ea3m \u01a1n \u00f4ng v\u1ec1 cu\u1ed9c trao \u0111\u1ed5i n\u00e0y!<\/em><\/p>\n

Th\u1ee5y Khanh<\/strong><\/p>\n

——————<\/p>\n

Vietnam Finance (T\u00e0i ch\u00ednh) 16-09-2017:<\/b><\/em><\/p>\n

https:\/\/vietnamfinance.vn\/dung-nham-lan-dan-ngheo-gui-tiet-kiem-voi-nha-giau-dau-tu-kinh-doanh-20170916164857167.htm<\/p>\n

(1.736\/1.736)<\/em>","protected":false},"excerpt":{"rendered":"

(VNF) \u2013 “C\u00e1 nh\u00e2n cho vay c\u00e1c doanh nghi\u1ec7p, c\u00e1 nh\u00e2n kh\u00e1c \u0111\u1ec1u ph\u1ea3i n\u1ed9p thu\u1ebf thu nh\u1eadp tr\u00ean ti\u1ec1n l\u00e3i; th\u1eadm ch\u00ed b\u00e1n nh\u00e0, chuy\u1ec3n nh\u01b0\u1ee3ng c\u1ed3 ph\u1ea7n d\u00f9 l\u1ed7 c\u0169ng ph\u1ea3i n\u1ed9p thu\u1ebf thu nh\u1eadp, v\u1eady t\u1ea1i sao l\u00e3i ti\u1ec1n g\u1eedi ng\u00e2n h\u00e0ng c\u00f3 gi\u00e1 tr\u1ecb l\u00ean t\u1edbi h\u00e0ng tr\u0103m tri\u1ec7u \u0111\u1ed3ng, th\u1eadm […]<\/p>\n","protected":false},"author":10,"featured_media":15171,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":""},"categories":[27,26],"tags":[],"class_list":["post-15169","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-interviews","category-legal-media"],"acf":[],"yoast_head":"\n1.810. \u0110\u1eebng nh\u1ea7m l\u1eabn d\u00e2n ngh\u00e8o g\u1eedi ti\u1ebft ki\u1ec7m v\u1edbi nh\u00e0 gi\u00e0u \u0111\u1ea7u t\u01b0 kinh doanh - 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