{"id":15501,"date":"2017-05-07T11:34:51","date_gmt":"2017-05-07T04:34:51","guid":{"rendered":"https:\/\/anvilaw.com\/vi\/?p=15501"},"modified":"2022-03-23T13:07:01","modified_gmt":"2022-03-23T06:07:01","slug":"1-635-100-co-so-cam-do-vi-pham-quy-dinh-lai-suat","status":"publish","type":"post","link":"https:\/\/anvilaw.com\/vi\/1-635-100-co-so-cam-do-vi-pham-quy-dinh-lai-suat\/","title":{"rendered":"1.635. 100% c\u01a1 s\u1edf c\u1ea7m \u0111\u1ed3 vi ph\u1ea1m quy \u0111\u1ecbnh l\u00e3i su\u1ea5t"},"content":{"rendered":"(ANT\u0110) – Theo quy \u0111\u1ecbnh, l\u00e3i su\u1ea5t cho vay theo h\u00ecnh th\u1ee9c c\u1ea7m \u0111\u1ed3 kh\u00f4ng \u0111\u01b0\u1ee3c v\u01b0\u1ee3t qu\u00e1 20%\/n\u0103m c\u1ee7a kho\u1ea3n ti\u1ec1n vay, nh\u01b0ng hi\u1ec7n nay h\u1ea7u nh\u01b0 100% c\u00e1c c\u01a1 s\u1edf c\u1ea7m \u0111\u1ed3 \u0111\u1ec1u vi ph\u1ea1m m\u1ee9c l\u00e3i su\u1ea5t n\u00e0y.<\/strong><\/p>\n

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C\u1ea7n c\u00f3 quy \u0111\u1ecbnh h\u1ee3p l\u00fd h\u01a1n v\u1ec1 l\u00e3i su\u1ea5t cho vay c\u1ea7m \u0111\u1ed3 \u0111\u1ec3 ng\u0103n ch\u1eb7n nguy c\u01a1 vi ph\u1ea1m ph\u00e1p lu\u1eadt<\/em><\/p>\n

Theo th\u1ed1ng k\u00ea, ch\u1ec9 t\u00ednh ri\u00eang H\u00e0 N\u1ed9i hi\u1ec7n \u0111\u00e3 c\u00f3 kho\u1ea3ng 1.700-2.000 c\u01a1 s\u1edf kinh doanh d\u1ecbch v\u1ee5 c\u1ea7m \u0111\u1ed3. Theo c\u00e1c chuy\u00ean gia, ho\u1ea1t \u0111\u1ed9ng c\u1ea7m \u0111\u1ed3 chi\u1ebfm m\u1ed9t t\u1ef7 l\u1ec7 l\u1edbn trong th\u1ecb ph\u1ea7n vay ti\u00eau d\u00f9ng t\u1ea1i Vi\u1ec7t Nam v\u1edbi th\u1ee7 t\u1ee5c \u0111\u01a1n gi\u1ea3n, nhanh g\u1ecdn nh\u1ea5t trong c\u00e1c h\u00ecnh th\u1ee9c cho vay ti\u00eau d\u00f9ng.<\/p>\n

Nh\u1eadn th\u1ea5y \u201cm\u1ea3nh \u0111\u1ea5t m\u00e0u m\u1ee1\u201d n\u00e0y, \u0111\u00e3 c\u00f3 doanh nghi\u1ec7p l\u1edbn \u0111\u1ea7u t\u01b0 v\u00e0o ho\u1ea1t \u0111\u1ed9ng c\u1ea7m \u0111\u1ed3 v\u1edbi chu\u1ed7i h\u1ec7 th\u1ed1ng r\u1ed9ng kh\u1eafp, th\u1eadm ch\u00ed \u0111\u00e3 thu h\u00fat \u0111\u01b0\u1ee3c nh\u1eefng qu\u1ef9 \u0111\u1ea7u t\u01b0 n\u01b0\u1edbc ngo\u00e0i r\u00f3t v\u1ed1n. Tuy nhi\u00ean, c\u00f9ng v\u1edbi vi\u1ec7c qu\u1ea3n l\u00fd l\u1ecfng l\u1ebbo, h\u00e0nh lang ph\u00e1p l\u00fd ch\u01b0a r\u00f5 r\u00e0ng, ph\u00f9 h\u1ee3p khi\u1ebfn ho\u1ea1t \u0111\u1ed9ng n\u00e0y lu\u00f4n c\u00f3 nguy c\u01a1… ph\u1ea1m lu\u1eadt.<\/p>\n

L\u00e3i su\u1ea5t \u201cc\u1eaft c\u1ed5\u201d<\/strong><\/p>\n

Li\u00ean h\u1ec7 v\u1edbi nh\u00e2n vi\u00ean F88 – m\u1ed9t m\u00f4 h\u00ecnh c\u1ea7m \u0111\u1ed3 \u0111\u01b0\u1ee3c cho l\u00e0 chuy\u00ean nghi\u1ec7p v\u00e0 l\u1edbn nh\u1ea5t t\u1ea1i Vi\u1ec7t Nam hi\u1ec7n nay v\u1edbi chu\u1ed7i 15 c\u1eeda h\u00e0ng tr\u00ean to\u00e0n qu\u1ed1c \u0111\u1ec3 \u0111\u01b0\u1ee3c t\u01b0 v\u1ea5n v\u1ec1 vi\u1ec7c c\u1ea7m \u0111\u1ed3, ch\u00fang t\u00f4i \u0111\u01b0\u1ee3c cho bi\u1ebft t\u1ed5ng m\u1ee9c l\u00e3i su\u1ea5t c\u1ea7m \u0111\u1ed3 v\u00e0 ph\u00ed c\u1ea7m \u0111\u1ed3 dao \u0111\u1ed9ng \u1edf m\u1ee9c 4,5-7,5%\/th\u00e1ng. C\u1ee5 th\u1ec3, v\u1edbi nhu c\u1ea7u c\u1ea7m c\u1ed1 1 chi\u1ebfc \u00f4 t\u00f4, nh\u00e2n vi\u00ean \u1edf \u0111\u00e2y cho bi\u1ebft kh\u00e1ch h\u00e0ng c\u00f3 th\u1ec3 vay \u0111\u01b0\u1ee3c s\u1ed1 ti\u1ec1n b\u1eb1ng 80% t\u1ed5ng gi\u00e1 tr\u1ecb chi\u1ebfc xe, \u0111\u1ed3ng th\u1eddi ch\u1ecbu m\u1ee9c t\u1ed5ng m\u1ee9c l\u00e3i su\u1ea5t, bao g\u1ed3m l\u00e3i su\u1ea5t c\u1ea7m \u0111\u1ed3 v\u00e0 ph\u00ed c\u1ea7m \u0111\u1ed3 l\u00e0 4,5%\/th\u00e1ng (t\u01b0\u01a1ng \u0111\u01b0\u01a1ng 54%\/n\u0103m – PV).<\/p>\n

C\u00f2n n\u1ebfu c\u1ea7m c\u1ed1 gi\u1ea5y t\u1edd xe, kh\u00e1ch s\u1ebd \u0111\u01b0\u1ee3c vay t\u1ed1i \u0111a 50% gi\u00e1 tr\u1ecb xe v\u00e0 ch\u1ecbu m\u1ee9c l\u00e3i su\u1ea5t 7,5%\/th\u00e1ng (t\u01b0\u01a1ng \u0111\u01b0\u01a1ng 90%\/n\u0103m). M\u1ee9c l\u00e3i su\u1ea5t cao ch\u00f3t v\u00f3t n\u00e0y \u0111\u01b0\u1ee3c gi\u1ea3i th\u00edch l\u00e0 do vi\u1ec7c c\u1ea7m c\u1ed1 gi\u1ea5y t\u1edd xe ti\u1ec1m \u1ea9n nhi\u1ec1u r\u1ee7i ro v\u00e0 \u201canh ch\u1ec9 c\u1ea7m c\u1ed1 gi\u1ea5y t\u1edd m\u00e0 xe v\u1eabn \u0111\u01b0\u1ee3c \u0111i n\u00ean l\u00e3i su\u1ea5t ph\u1ea3i cao h\u01a1n\u201d, nh\u00e2n vi\u00ean F88 n\u00f3i.<\/p>\n

B\u1ed9 lu\u1eadt D\u00e2n s\u1ef1 2015 kh\u00f4ng gi\u1edbi h\u1ea1n l\u00e3i su\u1ea5t c\u1ee7a t\u1ed5 ch\u1ee9c t\u00edn d\u1ee5ng, ch\u1ec9 c\u00f3 \u0111i\u1ec1u kh\u00e1ch h\u00e0ng ch\u1ea5p nh\u1eadn hay kh\u00f4ng. Trong khi l\u00e3i su\u1ea5t cho vay ngo\u00e0i t\u1ed5 ch\u1ee9c t\u00edn d\u1ee5ng, cho vay c\u1ea7m \u0111\u1ed3 k\u1ec3 c\u1ea3 nh\u1eefng c\u00f4ng ty h\u1ee3p ph\u00e1p tr\u01b0\u1edbc 1-1-2017 ch\u1ec9 \u00e1p d\u1ee5ng m\u1ee9c kh\u00f4ng qu\u00e1 13,5%\/ n\u0103m; sau 1-1-2017 th\u00ec t\u1ed1i \u0111a l\u00e0 20%.<\/em><\/strong><\/p>\n

Lu\u1eadt s\u01b0<\/strong><\/em>\u00a0<\/em><\/strong>Tr\u01b0\u01a1ng Thanh \u0110\u1ee9c,<\/em><\/strong> Gi\u00e1m \u0111\u1ed1c C\u00f4ng ty Lu\u1eadt ANVI<\/em><\/strong>, Ch\u1ee7 t\u1ecbch Hi\u1ec7p h\u1ed9i Ph\u00e1p ch\u1ebf ng\u00e2n h\u00e0ng<\/strong><\/em>[1]<\/em><\/strong><\/a><\/p>\n

\u0110\u00f3 l\u00e0 t\u1ea1i h\u1ec7 th\u1ed1ng c\u1ea7m \u0111\u1ed3 chuy\u00ean nghi\u1ec7p b\u1eadc nh\u1ea5t t\u1ea1i Vi\u1ec7t Nam. C\u00f2n hi\u1ec7n nay, c\u00e1c hi\u1ec7u c\u1ea7m \u0111\u1ed3 kh\u00e1c \u0111\u1ec1u c\u00f4ng khai qu\u1ea3ng c\u00e1o m\u1ee9c l\u00e3i su\u1ea5t 1.000-2.500 \u0111\u1ed3ng\/1 tri\u1ec7u \/ng\u00e0y (7,5%\/th\u00e1ng), nh\u01b0ng tr\u00ean th\u1ef1c t\u1ebf m\u1ee9c l\u00e3i su\u1ea5t cho vay c\u00f3 th\u1ec3 l\u00ean \u0111\u1ebfn 5.000 \u0111\u1ed3ng\/1 tri\u1ec7u\/ng\u00e0y.<\/p>\n

Trong khi \u0111\u00f3, theo \u0110i\u1ec1u 468, B\u1ed9 lu\u1eadt D\u00e2n s\u1ef1 n\u0103m 2015 quy \u0111\u1ecbnh l\u00e3i su\u1ea5t cho vay theo h\u00ecnh th\u1ee9c c\u1ea7m \u0111\u1ed3 kh\u00f4ng \u0111\u01b0\u1ee3c v\u01b0\u1ee3t qu\u00e1 20%\/n\u0103m c\u1ee7a kho\u1ea3n ti\u1ec1n vay. T\u1ea1i Ngh\u1ecb \u0111\u1ecbnh 02\/CP n\u0103m 1995 v\u00e0 Th\u00f4ng t\u01b0 li\u00ean b\u1ed9 02TT\/LB h\u01b0\u1edbng d\u1eabn Ngh\u1ecb \u0111\u1ecbnh 02\/CP quy \u0111\u1ecbnh l\u00e3i su\u1ea5t c\u1ea7m \u0111\u1ed3 v\u00e0 ph\u00ed c\u1ea7m \u0111\u1ed3 t\u1ed1i \u0111a kh\u00f4ng qu\u00e1 4,2% th\u00e1ng, t\u00ednh tr\u00ean s\u1ed1 ti\u1ec1n \u0111\u01b0\u1ee3c vay c\u1ee7a m\u1ed7i l\u1ea7n c\u1ea7m \u0111\u1ed3. Tr\u01b0\u1eddng h\u1ee3p n\u1ebfu b\u00ean c\u1ea7m \u0111\u1ed3 mu\u1ed1n vay n\u00f3ng ng\u1eafn h\u1ea1n (d\u01b0\u1edbi 15 ng\u00e0y) l\u00e3i su\u1ea5t v\u00e0 ph\u00ed c\u1ea7m \u0111\u1ed3 cao nh\u1ea5t kh\u00f4ng qu\u00e1 0,3%\/ng\u00e0y[2]<\/a>.<\/p>\n

Nh\u01b0 v\u1eady, c\u00f3 th\u1ec3 th\u1ea5y h\u1ea7u h\u1ebft c\u00e1c hi\u1ec7u c\u1ea7m \u0111\u1ed3 hi\u1ec7n nay \u0111\u1ec1u vi ph\u1ea1m c\u00e1c quy \u0111\u1ecbnh c\u1ee7a ph\u00e1p lu\u1eadt. V\u00e0, th\u1ef1c t\u1ebf th\u00ec ngay c\u1ea3 c\u00e1c \u0111\u01a1n v\u1ecb c\u1ea7m \u0111\u1ed3 \u0111\u01b0\u1ee3c cho l\u00e0 chuy\u00ean nghi\u1ec7p nh\u1ea5t hi\u1ec7n nay, c\u00f3 v\u1ebb nh\u01b0 c\u0169ng ch\u1ec9 kh\u00e1c c\u00e1c hi\u1ec7u c\u1ea7m \u0111\u1ed3 th\u00f4ng th\u01b0\u1eddng \u1edf c\u01a1 s\u1edf v\u1eadt ch\u1ea5t ho\u00e0nh tr\u00e1ng, h\u1ec7 th\u1ed1ng t\u1ed5 ch\u1ee9c b\u00e0i b\u1ea3n h\u01a1n, ngu\u1ed3n v\u1ed1n d\u1ed3i d\u00e0o ch\u1ee9 v\u1ec1 c\u01a1 ch\u1ebf cho vay, t\u00ednh l\u00e3i kh\u00f4ng h\u1ec1 \u201cnh\u1eb9 nh\u00e0ng\u201d h\u01a1n l\u00e0 bao, n\u1ebfu kh\u00f4ng mu\u1ed1n n\u00f3i c\u00f2n c\u00f3 ph\u1ea7n \u201cn\u1eb7ng\u201d h\u01a1n.<\/p>\n

\u0110\u1ec3 \u201cl\u00e1ch\u201d c\u00e1c quy \u0111\u1ecbnh ph\u00e1p lu\u1eadt v\u1ec1 l\u00e3i su\u1ea5t c\u1ea7m \u0111\u1ed3, c\u00e1c doanh nghi\u1ec7p \u0111\u1ec1u ni\u00eam y\u1ebft m\u1ee9c l\u00e3i su\u1ea5t \u1edf m\u1ee9c kh\u00f4ng v\u01b0\u1ee3t qu\u00e1 m\u1ee9c quy \u0111\u1ecbnh c\u1ee7a ph\u00e1p lu\u1eadt. Tuy nhi\u00ean \u0111\u1ec3 h\u1ee3p th\u1ee9c h\u00f3a c\u00e1c c\u01a1 s\u1edf n\u00e0y s\u1ebd t\u00ednh v\u00e0o c\u00e1c kho\u1ea3n ph\u00ed nh\u01b0 ph\u00ed th\u1ea9m \u0111\u1ecbnh, ph\u00ed l\u01b0u gi\u1eef t\u00e0i s\u1ea3n c\u1ea7m c\u1ed1\u2026 khi\u1ebfn m\u1ee9c l\u00e3i su\u1ea5t th\u1ef1c t\u1ebf b\u1ecb \u0111\u1ea9y l\u00ean g\u1ea5p 4-5 l\u1ea7n l\u00e3i su\u1ea5t cho vay.<\/p>\n

\u0110\u00e1nh gi\u00e1 v\u1ec1 m\u1ee9c l\u00e3i su\u1ea5t t\u1ea1i c\u00e1c \u0111\u01a1n v\u1ecb c\u1ea7m \u0111\u1ed3, chuy\u00ean gia t\u00e0i ch\u00ednh, ng\u00e2n h\u00e0ng, TS. B\u00f9i Quang T\u00edn cho r\u1eb1ng \u0111\u00e2y l\u00e0 m\u1ee9c qu\u00e1 cao – \u201cL\u00e3i su\u1ea5t 7,5%\/th\u00e1ng, t\u01b0\u01a1ng \u0111\u01b0\u01a1ng 90%\/ n\u0103m l\u00e0 qu\u00e1 cao. T\u1ea5t nhi\u00ean, vi\u1ec7c cho vay c\u1ea7m c\u1ed1 gi\u1ea5y t\u1edd th\u00ec m\u1ee9c \u0111\u1ed9 r\u1ee7i ro cao h\u01a1n cho vay th\u1ebf ch\u1ea5p, v\u00ec v\u1eady kh\u00f4ng th\u1ec3 \u00e1p d\u1ee5ng m\u1ee9c l\u00e3i su\u1ea5t nh\u01b0 l\u00e3i su\u1ea5t ng\u00e2n h\u00e0ng. Tuy nhi\u00ean l\u00ean \u0111\u1ebfn 90%\/n\u0103m l\u00e0 m\u1ee9c kh\u00f3 ch\u1ea5p nh\u1eadn\u201d.<\/p>\n

Quy \u0111\u1ecbnh ph\u00e1p lu\u1eadt ch\u01b0a ph\u00f9 h\u1ee3p<\/strong><\/p>\n

Theo c\u00e1c chuy\u00ean gia, ho\u1ea1t \u0111\u1ed9ng c\u1ea7m \u0111\u1ed3 l\u00e0 nhu c\u1ea7u t\u1ea5t y\u1ebfu c\u1ee7a x\u00e3 h\u1ed9i nh\u1eb1m \u0111\u00e1p \u1ee9ng cho nh\u1eefng kh\u00e1ch h\u00e0ng c\u00f3 nhu c\u1ea7u t\u00edn d\u1ee5ng nh\u1ecf l\u1ebb, th\u1eadm ch\u00ed v\u00e0i tr\u0103m ngh\u00ecn \u0111\u1ed3ng (m\u00e0 c\u00f4ng ty t\u00e0i ch\u00ednh kh\u00f4ng \u0111\u00e1p \u1ee9ng \u0111\u01b0\u1ee3c), \u0111\u1ed3ng th\u1eddi cho vay c\u1ea7m \u0111\u1ed3 c\u0169ng g\u00f3p ph\u1ea7n h\u1ea1n ch\u1ebf t\u00edn d\u1ee5ng \u0111en.<\/p>\n

Theo nh\u00ecn nh\u1eadn c\u1ee7a lu\u1eadt s\u01b0 Tr\u01b0\u01a1ng Thanh \u0110\u1ee9c, Gi\u00e1m \u0111\u1ed1c C\u00f4ng ty Lu\u1eadt ANVI, Ch\u1ee7 t\u1ecbch Hi\u1ec7p h\u1ed9i Ph\u00e1p ch\u1ebf ng\u00e2n h\u00e0ng th\u00ec ho\u1ea1t \u0111\u1ed9ng c\u1ea7m \u0111\u1ed3 c\u00f3 th\u1ec3 chi\u1ebfm \u0111\u1ebfn 70% ho\u1ea1t \u0111\u1ed9ng cho vay ti\u00eau d\u00f9ng trong n\u01b0\u1edbc, th\u1eadm ch\u00ed c\u00f2n h\u01a1n – \u201cC\u1ee9 nh\u00ecn v\u00e0o m\u1ed9t \u0111o\u1ea1n \u0111\u01b0\u1eddng ng\u1eafn t\u1ea1i H\u00e0 N\u1ed9i c\u00f3 \u0111\u1ebfn m\u1ea5y ch\u1ee5c hi\u1ec7u c\u1ea7m \u0111\u1ed3 th\u00ec c\u00f3 th\u1ec3 d\u1ec5 d\u00e0ng h\u00ecnh dung quy m\u00f4 ho\u1ea1t \u0111\u1ed9ng n\u00e0y nh\u01b0 th\u1ebf n\u00e0o\u201d.<\/em><\/p>\n

Theo lu\u1eadt s\u01b0 Tr\u01b0\u01a1ng Thanh \u0110\u1ee9c n\u00e0y, ho\u1ea1t \u0111\u1ed9ng c\u1ea7m \u0111\u1ed3 c\u0169ng nh\u01b0 c\u00e1c ho\u1ea1t \u0111\u1ed9ng cho vay ti\u00eau d\u00f9ng kh\u00e1c, n\u1ebfu \u201cd\u00f9ng \u0111\u00fang li\u1ec1u l\u01b0\u1ee3ng\u201d, t\u1ec9nh t\u00e1o th\u00ec kh\u00f4ng c\u00f3 h\u1ea1i, ng\u01b0\u1ee3c l\u1ea1i r\u1ea5t t\u1ed1t khi cung c\u1ea5p nhu c\u1ea7u t\u00e0i ch\u00ednh k\u1ecbp th\u1eddi, nhanh g\u1ecdn m\u00e0 c\u00e1c ng\u00e2n h\u00e0ng, c\u00f4ng ty t\u00e0i ch\u00ednh kh\u00f4ng \u0111\u00e1p \u1ee9ng \u0111\u01b0\u1ee3c. Tuy nhi\u00ean hi\u1ec7n nay, ngo\u00e0i vi\u1ec7c qu\u1ea3n l\u00fd c\u00e1c hi\u1ec7u c\u1ea7m \u0111\u1ed3 c\u00f2n ch\u01b0a th\u1ef1c s\u1ef1 ch\u1eb7t ch\u1ebd th\u00ec ch\u00fang ta c\u0169ng \u0111ang thi\u1ebfu m\u1ed9t h\u00e0nh lang ph\u00e1p l\u00fd r\u00f5 r\u00e0ng, \u0111\u1ea3m b\u1ea3o s\u1ef1 c\u1ea1nh tranh, minh b\u1ea1ch, \u0111\u1ea3m b\u1ea3o quy\u1ec1n l\u1ee3i ng\u01b0\u1eddi ti\u00eau d\u00f9ng c\u0169ng nh\u01b0 ch\u00ednh \u0111\u01a1n v\u1ecb cho vay.\u00a0<\/em><\/p>\n

\u0110\u1eb7c bi\u1ec7t, v\u1ec1 v\u1ea5n \u0111\u1ec1 l\u00e3i su\u1ea5t, lu\u1eadt s\u01b0 Tr\u01b0\u01a1ng Thanh \u0110\u1ee9c cho r\u1eb1ng hi\u1ec7n nay v\u1edbi ho\u1ea1t \u0111\u1ed9ng cho vay ti\u00eau d\u00f9ng, quy \u0111\u1ecbnh ph\u00e1p lu\u1eadt kh\u00f4ng kh\u1ed1ng ch\u1ebf m\u1ee9c l\u00e3i su\u1ea5t \u0111\u1ed1i v\u1edbi c\u00e1c t\u1ed5 ch\u1ee9c t\u00edn d\u1ee5ng. Nh\u01b0ng v\u1edbi h\u1ec7 th\u1ed1ng cho vay c\u1ea7m \u0111\u1ed3, hi\u1ec7n nay \u0111\u00e3 c\u00f3 nh\u1eefng h\u1ec7 th\u1ed1ng cho vay r\u1ea5t b\u00e0i b\u1ea3n, kh\u00f4ng kh\u00e1c g\u00ec c\u00e1c c\u00f4ng ty t\u00e0i ch\u00ednh nh\u01b0ng l\u1ea1i b\u1ecb \u00e1p m\u1ee9c l\u00e3i su\u1ea5t kh\u00f4ng qu\u00e1 20%.<\/em><\/p>\n

C\u1ee5 th\u1ec3, B\u1ed9 lu\u1eadt D\u00e2n s\u1ef1 2005 t\u1eebng quy \u0111\u1ecbnh l\u00e3i su\u1ea5t cho vay do c\u00e1c b\u00ean th\u1ecfa thu\u1eadn nh\u01b0ng kh\u00f4ng \u0111\u01b0\u1ee3c v\u01b0\u1ee3t qu\u00e1 150% c\u1ee7a l\u00e3i su\u1ea5t c\u01a1 b\u1ea3n, nh\u01b0ng kh\u00f4ng qu\u00e1 13,5%\/n\u0103m (v\u00ec l\u00e3i su\u1ea5t c\u01a1 b\u1ea3n l\u00e0 9%\/n\u0103m theo Quy\u1ebft \u0111\u1ecbnh s\u1ed1 2868\/Q\u0110-NHNN ng\u00e0y 29-11-2010 c\u1ee7a Th\u1ed1ng \u0111\u1ed1c Ng\u00e2n h\u00e0ng Nh\u00e0 n\u01b0\u1edbc). \u0110\u1ed3ng th\u1eddi, B\u1ed9 lu\u1eadt n\u00e0y c\u0169ng quy \u0111\u1ecbnh l\u00e3i su\u1ea5t cho vay ngo\u00e0i t\u1ed5 ch\u1ee9c t\u00edn d\u1ee5ng c\u00f3 th\u1ec3 cao h\u01a1n 1,5 l\u1ea7n ng\u00e2n h\u00e0ng.[3]<\/strong><\/a><\/em><\/p>\n

Theo lu\u1eadt s\u01b0 Tr\u01b0\u01a1ng Thanh \u0110\u1ee9c, tr\u00ean th\u1ef1c t\u1ebf m\u1ea5y n\u0103m g\u1ea7n \u0111\u00e2y, nh\u00ecn chung l\u00e3i su\u1ea5t cho vay c\u1ee7a c\u00e1c ng\u00e2n h\u00e0ng kh\u00f4ng qu\u00e1 20%\/n\u0103m. Tuy nhi\u00ean, ri\u00eang l\u00e3i su\u1ea5t cho vay th\u00f4ng qua th\u1ebb t\u00edn d\u1ee5ng th\u00ec l\u1ea1i ph\u1ed5 bi\u1ebfn trong kho\u1ea3ng 20%-35%\/n\u0103m, \u0111\u1eb7c bi\u1ec7t l\u00e0 l\u00e3i su\u1ea5t cho vay ti\u00eau d\u00f9ng c\u1ee7a c\u00e1c c\u00f4ng ty t\u00e0i ch\u00ednh ph\u1ed5 bi\u1ebfn \u1edf m\u1ee9c 20%-40%, c\u00f3 khi l\u00ean \u0111\u1ebfn 50%-70%. V\u00ec v\u1eady, n\u1ebfu ph\u1ea3i \u00e1p d\u1ee5ng tr\u1ea7n l\u00e3i su\u1ea5t cho vay 20% c\u1ee7a B\u1ed9 lu\u1eadt D\u00e2n s\u1ef1, th\u00ec s\u1ebd r\u1ea5t phi th\u1ef1c t\u1ebf v\u00e0 tr\u00e1i ng\u01b0\u1ee3c v\u1edbi nguy\u00ean t\u1eafc t\u1ef1 do h\u00f3a l\u00e3i su\u1ea5t \u0111\u00e3 \u0111\u01b0\u1ee3c th\u1eeba nh\u1eadn trong ng\u00e0nh ng\u00e2n h\u00e0ng v\u00e0 n\u1ec1n kinh t\u1ebf th\u1ecb tr\u01b0\u1eddng.<\/em><\/p>\n

V\u00e0 \u0111i\u1ec1u quan tr\u1ecdng, quy \u0111\u1ecbnh t\u1ea1i B\u1ed9 lu\u1eadt D\u00e2n s\u1ef1 2015 \u0111\u00e3 g\u00e2y ra t\u00ecnh tr\u1ea1ng b\u1ea5t h\u1ee3p l\u00fd gi\u1eefa c\u00e1c ch\u1ee7 th\u1ec3 cho vay. \u201cL\u00e3i su\u1ea5t cho vay b\u00ean ngo\u00e0i t\u1ed5 ch\u1ee9c t\u00edn d\u1ee5ng, trong \u0111\u00f3 c\u00f3 l\u00e3i su\u1ea5t cho vay c\u1ea7m \u0111\u1ed3, th\u1ef1c t\u1ebf th\u01b0\u1eddng ph\u1ea3i cao h\u01a1n ho\u1eb7c \u00edt nh\u1ea5t c\u0169ng ph\u1ea3i ngang b\u1eb1ng v\u1edbi m\u1ee9c l\u00e3i su\u1ea5t cho vay c\u1ee7a c\u00e1c t\u1ed5 ch\u1ee9c t\u00edn d\u1ee5ng nh\u01b0ng trong quy \u0111\u1ecbnh n\u00e0y l\u1ea1i kh\u00f4ng kh\u1ed1ng ch\u1ebf t\u1ed5 ch\u1ee9c t\u00edn d\u1ee5ng, trong khi \u0111\u00f3 kh\u1ed1ng ch\u1ebf l\u00e3i su\u1ea5t vay ngo\u00e0i t\u1ed5 ch\u1ee9c t\u00edn d\u1ee5ng \u1edf m\u1ee9c th\u1ea5p, b\u1ea5t h\u1ee3p l\u00fd, kh\u00f4ng ph\u00f9 h\u1ee3p th\u1ef1c t\u1ebf. N\u1ebfu kh\u00f4ng gi\u1ea3i quy\u1ebft \u0111i\u1ec1u \u0111\u00f3 s\u1ebd d\u1eabn \u0111\u1ebfn nguy c\u01a1 ho\u1ea1t \u0111\u1ed9ng cho vay ngo\u00e0i t\u1ed5 ch\u1ee9c t\u00edn d\u1ee5ng, cho vay c\u1ea7m \u0111\u1ed3 lu\u00f4n lu\u00f4n c\u00f3 nguy c\u01a1 b\u1ea5t h\u1ee3p ph\u00e1p\u201d, lu\u1eadt s\u01b0 Tr\u01b0\u01a1ng Thanh \u0110\u1ee9c n\u00f3i.<\/em><\/p>\n

\u0110\u1ec3 gi\u1ea3i quy\u1ebft b\u00e0i to\u00e1n n\u00e0y, theo TS. B\u00f9i Quang T\u00edn, c\u1ea7n c\u00f3 m\u1ed9t quy \u0111\u1ecbnh ph\u00e1p lu\u1eadt chuy\u00ean ng\u00e0nh \u0111i\u1ec1u ch\u1ec9nh ho\u1ea1t \u0111\u1ed9ng c\u1ea7m \u0111\u1ed3 ri\u00eang, v\u00ec B\u1ed9 lu\u1eadt D\u00e2n s\u1ef1 bao gi\u1edd c\u0169ng c\u00f3 \u0111\u01b0\u1eddng nh\u01b0\u1eddng cho c\u00e1c lu\u1eadt chuy\u00ean ng\u00e0nh – \u201cN\u1ebfu kh\u00f4ng c\u00f3 quy \u0111\u1ecbnh ri\u00eang th\u00ec h\u1ea7u h\u1ebft c\u00e1c c\u01a1 s\u1edf cho vay c\u1ea7m \u0111\u1ed3 hi\u1ec7n nay \u0111\u1ec1u vi ph\u1ea1m quy \u0111\u1ecbnh t\u1ea1i B\u1ed9 lu\u1eadt D\u00e2n s\u1ef1\u201d.<\/p>\n

Theo c\u00e1c chuy\u00ean gia, \u0111\u1ec3 \u0111i\u1ec1u ch\u1ec9nh ho\u1ea1t \u0111\u1ed9ng c\u1ea7m \u0111\u1ed3 th\u00ec ngo\u00e0i vi\u1ec7c c\u00f3 nh\u1eefng quy \u0111\u1ecbnh ph\u00e1p lu\u1eadt c\u1ee5 th\u1ec3, ph\u00f9 h\u1ee3p, m\u1ee9c l\u00e3i su\u1ea5t quy \u0111\u1ecbnh h\u1ee3p l\u00fd, ch\u1eb7t ch\u1ebd th\u00ec c\u00f4ng t\u00e1c qu\u1ea3n l\u00fd c\u0169ng c\u1ea7n s\u00e1t sao, tr\u00e1nh t\u00ecnh tr\u1ea1ng quy \u0111\u1ecbnh th\u00ec ch\u1eb7t nh\u01b0ng qu\u1ea3n l\u00fd th\u00ec l\u1ecfng, d\u1eabn \u0111\u1ebfn l\u00e3i su\u1ea5t cho vay th\u00ec th\u1ea5p nh\u01b0ng kh\u00e1ch h\u00e0ng l\u1ea1i b\u1ecb c\u1ed9ng nh\u1eefng kho\u1ea3n chi ph\u00ed \u201cgi\u1eddi \u01a1i \u0111\u1ea5t h\u1ee1i\u201d khi\u1ebfn l\u00e3i su\u1ea5t th\u1ef1c t\u1ebf \u1edf m\u1ee9c \u201cc\u1eaft c\u1ed5\u201d nh\u01b0 hi\u1ec7n nay.<\/p>\n

An ninh Th\u1ee7 \u0111\u00f4 (Kinh doanh) 07-5-2017:<\/em><\/strong><\/p>\n

http:\/\/anninhthudo.vn\/kinh-doanh\/100-co-so-cam-do-vi-pham-quy-dinh-lai-suat\/727066.antd<\/a><\/em><\/p>\n

(694\/1.729)<\/em><\/p>\n

[1]<\/a> Sai.<\/p>\n

[2]<\/a> \u0110\u00e3 h\u1ebft hi\u1ec7u l\u1ef1c.<\/p>\n

[3]<\/a> Sai, BLDS 1995 m\u1edbi quy \u0111\u1ecbnh nh\u01b0 v\u1eady v\u00e0 t\u1ea5t c\u1ea3 \u0111\u00e3 h\u1ebft hi\u1ec7u l\u1ef1c","protected":false},"excerpt":{"rendered":"

(ANT\u0110) – Theo quy \u0111\u1ecbnh, l\u00e3i su\u1ea5t cho vay theo h\u00ecnh th\u1ee9c c\u1ea7m \u0111\u1ed3 kh\u00f4ng \u0111\u01b0\u1ee3c v\u01b0\u1ee3t qu\u00e1 20%\/n\u0103m c\u1ee7a kho\u1ea3n ti\u1ec1n vay, nh\u01b0ng hi\u1ec7n nay h\u1ea7u nh\u01b0 100% c\u00e1c c\u01a1 s\u1edf c\u1ea7m \u0111\u1ed3 \u0111\u1ec1u vi ph\u1ea1m m\u1ee9c l\u00e3i su\u1ea5t n\u00e0y. C\u1ea7n c\u00f3 quy \u0111\u1ecbnh h\u1ee3p l\u00fd h\u01a1n v\u1ec1 l\u00e3i su\u1ea5t cho vay c\u1ea7m \u0111\u1ed3 […]<\/p>\n","protected":false},"author":1,"featured_media":15504,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":""},"categories":[27,26],"tags":[],"class_list":["post-15501","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-interviews","category-legal-media"],"acf":[],"yoast_head":"\n1.635. 100% c\u01a1 s\u1edf c\u1ea7m \u0111\u1ed3 vi ph\u1ea1m quy \u0111\u1ecbnh l\u00e3i su\u1ea5t - 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\/1-635-100-co-so-cam-do-vi-pham-quy-dinh-lai-suat\/\" \/>\n<meta property=\"og:locale\" content=\"vi_VN\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"[:vi]1.635. 100% c\u01a1 s\u1edf c\u1ea7m \u0111\u1ed3 vi ph\u1ea1m quy \u0111\u1ecbnh l\u00e3i su\u1ea5t[:] - ANVI Law Firm\" \/>\n<meta property=\"og:description\" content=\"(ANT\u0110) – Theo quy \u0111\u1ecbnh, l\u00e3i su\u1ea5t cho vay theo h\u00ecnh th\u1ee9c c\u1ea7m \u0111\u1ed3 kh\u00f4ng \u0111\u01b0\u1ee3c v\u01b0\u1ee3t qu\u00e1 20%\/n\u0103m c\u1ee7a kho\u1ea3n ti\u1ec1n vay, nh\u01b0ng hi\u1ec7n nay h\u1ea7u nh\u01b0 100% c\u00e1c c\u01a1 s\u1edf c\u1ea7m \u0111\u1ed3 \u0111\u1ec1u vi ph\u1ea1m m\u1ee9c l\u00e3i su\u1ea5t n\u00e0y. 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