{"id":15564,"date":"2017-02-12T14:10:21","date_gmt":"2017-02-12T07:10:21","guid":{"rendered":"https:\/\/anvilaw.com\/vi\/?p=15564"},"modified":"2022-03-23T14:12:13","modified_gmt":"2022-03-23T07:12:13","slug":"1-502-ho-kinh-doanh-khong-duoc-vay-von-ngan-hang","status":"publish","type":"post","link":"https:\/\/anvilaw.com\/vi\/1-502-ho-kinh-doanh-khong-duoc-vay-von-ngan-hang\/","title":{"rendered":"1.502. H\u1ed9 kinh doanh kh\u00f4ng \u0111\u01b0\u1ee3c vay v\u1ed1n ng\u00e2n h\u00e0ng"},"content":{"rendered":"(NL\u0110) – C\u00e1c \u0111\u1ed1i t\u01b0\u1ee3ng kh\u00f4ng ph\u1ea3i ph\u00e1p nh\u00e2n nh\u01b0 h\u1ed9 gia \u0111\u00ecnh, t\u1ed5 h\u1ee3p t\u00e1c v\u00e0 t\u1ed5 ch\u1ee9c kh\u00f4ng c\u00f3 t\u01b0 c\u00e1ch ph\u00e1p nh\u00e2n\u2026 s\u1ebd kh\u00f4ng \u0111\u1ee7 t\u01b0 c\u00e1ch ch\u1ee7 th\u1ec3 vay v\u1ed1n t\u1ea1i ng\u00e2n h\u00e0ng th\u01b0\u01a1ng m\u1ea1i<\/strong><\/p>\n

\u0110\u00e2y l\u00e0 m\u1ed9t trong nh\u1eefng n\u1ed9i dung t\u1ea1i Th\u00f4ng t\u01b0 39\/2016\/TT-NHNN c\u1ee7a Ng\u00e2n h\u00e0ng (NH) Nh\u00e0 n\u01b0\u1edbc quy \u0111\u1ecbnh v\u1ec1 ho\u1ea1t \u0111\u1ed9ng cho vay c\u1ee7a t\u1ed5 ch\u1ee9c t\u00edn d\u1ee5ng, chi nh\u00e1nh NH n\u01b0\u1edbc ngo\u00e0i \u0111\u1ed1i v\u1edbi kh\u00e1ch h\u00e0ng, \u0111\u01b0\u1ee3c ban h\u00e0nh nh\u1eb1m th\u1ef1c hi\u1ec7n c\u00e1c quy \u0111\u1ecbnh c\u1ee7a B\u1ed9 Lu\u1eadt D\u00e2n s\u1ef1 2015.<\/p>\n

C\u00e1 nh\u00e2n s\u1ebd vay v\u1ed1n cho h\u1ed9 kinh doanh<\/strong><\/p>\n

Theo V\u1ee5 Ph\u00e1p ch\u1ebf – NH Nh\u00e0 n\u01b0\u1edbc, B\u1ed9 Lu\u1eadt D\u00e2n s\u1ef1 2015 quy \u0111\u1ecbnh ch\u1ee7 th\u1ec3 tham gia quan h\u1ec7 d\u00e2n s\u1ef1 ch\u1ec9 bao g\u1ed3m ph\u00e1p nh\u00e2n, c\u00e1 nh\u00e2n. Do \u0111\u00f3, \u0111\u1ec3 th\u1ef1c hi\u1ec7n quy \u0111\u1ecbnh m\u1edbi n\u00e0y, Th\u00f4ng t\u01b0 39 n\u00eau r\u00f5 kh\u00e1ch h\u00e0ng vay v\u1ed1n t\u1ea1i t\u1ed5 ch\u1ee9c t\u00edn d\u1ee5ng l\u00e0 ph\u00e1p nh\u00e2n, c\u00e1 nh\u00e2n.<\/p>\n

\"\"<\/p>\n

Ph\u1ea7n l\u1edbn trong h\u01a1n 5 tri\u1ec7u h\u1ed9 kinh doanh c\u00e1 th\u1ec3 tr\u00ean c\u1ea3 n\u01b0\u1edbc c\u00f3 nhu c\u1ea7u vay v\u1ed1n \u0111\u1ec3 s\u1ea3n xu\u1ea5t, kinh doanh \u1ea2nh: HO\u00c0NG TRI\u1ec0U<\/em><\/p>\n

C\u00e1c \u0111\u1ed1i t\u01b0\u1ee3ng kh\u00f4ng ph\u1ea3i l\u00e0 ph\u00e1p nh\u00e2n nh\u01b0 h\u1ed9 gia \u0111\u00ecnh, t\u1ed5 h\u1ee3p t\u00e1c, t\u1ed5 ch\u1ee9c kh\u00e1c kh\u00f4ng c\u00f3 t\u01b0 c\u00e1ch ph\u00e1p nh\u00e2n\u2026 s\u1ebd kh\u00f4ng \u0111\u1ee7 t\u01b0 c\u00e1ch ch\u1ee7 th\u1ec3 vay v\u1ed1n t\u1ea1i t\u1ed5 ch\u1ee9c t\u00edn d\u1ee5ng. Trong tr\u01b0\u1eddng h\u1ee3p nh\u1eb1m ph\u1ee5c v\u1ee5 ho\u1ea1t \u0111\u1ed9ng kinh doanh v\u00e0 ho\u1ea1t \u0111\u1ed9ng kh\u00e1c, kh\u00e1ch h\u00e0ng c\u00e1 nh\u00e2n c\u00f3 th\u1ec3 vay \u0111\u1ec3 \u0111\u00e1p \u1ee9ng nhu c\u1ea7u v\u1ed1n c\u1ee7a ch\u00ednh c\u00e1 nh\u00e2n \u0111\u00f3 v\u00e0 nhu c\u1ea7u v\u1ed1n c\u1ee7a h\u1ed9 kinh doanh, doanh nghi\u1ec7p t\u01b0 nh\u00e2n m\u00e0 c\u00e1 nh\u00e2n \u0111\u00f3 l\u00e0 ch\u1ee7 h\u1ed9 kinh doanh, ch\u1ee7 doanh nghi\u1ec7p t\u01b0 nh\u00e2n.<\/p>\n

Theo s\u1ed1 li\u1ec7u t\u1eeb Ph\u00f2ng Th\u01b0\u01a1ng m\u1ea1i v\u00e0 C\u00f4ng nghi\u1ec7p Vi\u1ec7t Nam (VCCI), c\u1ea3 n\u01b0\u1edbc hi\u1ec7n c\u00f3 h\u01a1n 5 tri\u1ec7u h\u1ed9 kinh doanh c\u00e1 th\u1ec3, ri\u00eang TP HCM c\u00f3 h\u01a1n 290.000 h\u1ed9. Nhu c\u1ea7u vay v\u1ed1n NH c\u1ee7a nh\u00f3m n\u00e0y \u0111\u1ec3 b\u1ed5 sung v\u1ed1n l\u01b0u \u0111\u1ed9ng v\u00e0 s\u1ea3n xu\u1ea5t, kinh doanh l\u00e0 r\u1ea5t l\u1edbn. Do \u0111\u00f3, quy \u0111\u1ecbnh t\u1eeb ng\u00e0y 15-3, h\u1ed9 kinh doanh kh\u00f4ng \u0111\u01b0\u1ee3c vay v\u1ed1n NH khi\u1ebfn nhi\u1ec1u ng\u01b0\u1eddi lo l\u1eafng.<\/p>\n

Lu\u1eadt s\u01b0 Tr\u01b0\u01a1ng Thanh \u0110\u1ee9c,\u00a0<\/em>Gi\u00e1m \u0111\u1ed1c C\u00f4ng ty Lu\u1eadt TNHH ANVI,\u00a0<\/em>Ch\u1ee7 nhi\u1ec7m CLB Ph\u00e1p ch\u1ebf NH, cho r\u1eb1ng quy \u0111\u1ecbnh trong Th\u00f4ng t\u01b0 39 ch\u1ec9 nh\u1eb1m x\u00e1c \u0111\u1ecbnh l\u1ea1i \u0111\u1ed1i t\u01b0\u1ee3ng vay v\u1ed1n NH g\u1ed3m ph\u00e1p nh\u00e2n v\u00e0 c\u00e1 nh\u00e2n, theo th\u00f4ng l\u1ec7 chung c\u1ee7a th\u1ebf gi\u1edbi. Vi\u1ec7c \u0111i\u1ec1u ch\u1ec9nh n\u00e0y nh\u1eb1m l\u00e0m r\u00f5 thu\u1eadt ng\u1eef, kh\u00e1i ni\u1ec7m b\u1edfi ch\u1ec9 c\u00f3 2 lo\u1ea1i ch\u1ee7 th\u1ec3 ph\u00e1p lu\u1eadt d\u00e2n s\u1ef1 l\u00e0 c\u00e1 nh\u00e2n v\u00e0 ph\u00e1p nh\u00e2n. H\u1ed9 gia \u0111\u00ecnh, h\u1ed9 kinh doanh hay t\u1ed5 h\u1ee3p t\u00e1c th\u1ef1c ch\u1ea5t ch\u1ec9 l\u00e0 m\u1ed9t ho\u1eb7c m\u1ed9t nh\u00f3m c\u00e1 nh\u00e2n. V\u00ec v\u1eady, kh\u00e1i ni\u1ec7m n\u00e0y \u0111\u00e3 \u0111\u01b0\u1ee3c x\u00f3a kh\u1ecfi B\u1ed9 Lu\u1eadt D\u00e2n s\u1ef1 2015 v\u00e0 Th\u00f4ng t\u01b0 39 c\u1ee7a NH Nh\u00e0 n\u01b0\u1edbc b\u1ecf ch\u1ee7 th\u1ec3 vay v\u1ed1n \u201ch\u1ed9 gia \u0111\u00ecnh\u201d l\u00e0 h\u1ee3p l\u00fd.<\/em><\/p>\n

\u201cB\u1ecf ch\u1ee7 th\u1ec3 vay v\u1ed1n h\u1ed9 gia \u0111\u00ecnh, h\u1ed9 kinh doanh ch\u1ec9 l\u00e0 thay \u0111\u1ed5i h\u00ecnh th\u1ee9c t\u00ean g\u1ecdi, c\u00f2n b\u1ea3n ch\u1ea5t v\u1eabn nh\u01b0 c\u0169. T\u1eeb ng\u00e0y 15-3, h\u1ed9 kinh doanh, h\u1ed9 gia \u0111\u00ecnh s\u1ebd giao d\u1ecbch v\u1edbi t\u01b0 c\u00e1ch c\u1ee7a m\u1ed9t ho\u1eb7c m\u1ed9t s\u1ed1 c\u00e1 nh\u00e2n, ch\u1ee9 ch\u1ee7 h\u1ed9 kh\u00f4ng c\u00f2n \u0111\u01b0\u01a1ng nhi\u00ean \u0111\u1ea1i di\u1ec7n cho h\u1ed9 nh\u01b0 tr\u01b0\u1edbc \u0111\u00e2y\u201d – lu\u1eadt s\u01b0 Tr\u01b0\u01a1ng Thanh \u0110\u1ee9c ph\u00e2n t\u00edch.<\/em><\/p>\n

M\u1ed9t s\u1ed1 NH th\u01b0\u01a1ng m\u1ea1i cho bi\u1ebft tr\u01b0\u1edbc \u0111\u00f3 v\u1eabn gi\u1ea3i ng\u00e2n v\u1ed1n ph\u1ee5c v\u1ee5 s\u1ea3n xu\u1ea5t – kinh doanh cho h\u1ed9 gia \u0111\u00ecnh, h\u1ed9 kinh doanh c\u00e1 th\u1ec3. Nay, n\u1ebfu c\u00f3 quy \u0111\u1ecbnh m\u1edbi s\u1ebd ch\u1edd v\u0103n b\u1ea3n h\u01b0\u1edbng d\u1eabn chi ti\u1ebft c\u1ee7a NH Nh\u00e0 n\u01b0\u1edbc nh\u01b0ng ho\u1ea1t \u0111\u1ed9ng cho vay, l\u00e3i su\u1ea5t \u0111\u1ed1i v\u1edbi nh\u00f3m kh\u00e1ch h\u00e0ng l\u00e0 h\u1ed9 kinh doanh, h\u1ed9 gia \u0111\u00ecnh s\u1ebd kh\u00f4ng thay \u0111\u1ed5i nhi\u1ec1u.<\/p>\n

Ph\u00f3 t\u1ed5ng gi\u00e1m \u0111\u1ed1c m\u1ed9t NH th\u01b0\u01a1ng m\u1ea1i c\u1ed5 ph\u1ea7n t\u1ea1i TP HCM c\u0169ng cho r\u1eb1ng quy \u0111\u1ecbnh c\u1ee7a NH Nh\u00e0 n\u01b0\u1edbc ch\u1ec9 l\u00e0m r\u00f5 \u0111\u1ed1i t\u01b0\u1ee3ng vay v\u1ed1n, kh\u00f4ng \u1ea3nh h\u01b0\u1edfng \u0111\u1ebfn vi\u1ec7c NH gi\u1ea3i ng\u00e2n v\u1ed1n vay hay l\u00e3i su\u1ea5t vay. B\u1edfi l\u1ebd, l\u00e3i su\u1ea5t vay v\u1ed1n t\u00f9y thu\u1ed9c v\u00e0o m\u1ee9c \u0111\u1ed9 t\u00edn nhi\u1ec7m c\u1ee7a kh\u00e1ch h\u00e0ng vay, t\u00e0i s\u1ea3n th\u1ebf ch\u1ea5p v\u00e0 t\u00ednh kh\u1ea3 thi c\u1ee7a d\u1ef1 \u00e1n. \u201cC\u00f3 nhi\u1ec1u m\u00f3n vay c\u1ee7a kh\u00e1ch h\u00e0ng c\u00e1 nh\u00e2n l\u00e3i su\u1ea5t th\u1ea5p h\u01a1n nhi\u1ec1u so v\u1edbi h\u1ed9 kinh doanh, ti\u1ec3u th\u01b0\u01a1ng n\u00ean kh\u00f4ng th\u1ec3 n\u00f3i c\u00e1 nh\u00e2n vay s\u1ebd b\u1ecb \u0111\u1ed9i chi ph\u00ed cao h\u01a1n h\u1ed9 kinh doanh nh\u01b0 tr\u01b0\u1edbc\u201d – v\u1ecb ph\u00f3 t\u1ed5ng gi\u00e1m \u0111\u1ed1c n\u00e0y kh\u1eb3ng \u0111\u1ecbnh.<\/p>\n

Kh\u00f4ng \u1ea3nh h\u01b0\u1edfng nhi\u1ec1u<\/strong><\/p>\n

Theo NH Nh\u00e0 n\u01b0\u1edbc, tr\u00ean c\u01a1 s\u1edf c\u00e1c quy \u0111\u1ecbnh trong B\u1ed9 Lu\u1eadt D\u00e2n s\u1ef1 2015 v\u00e0 Lu\u1eadt C\u00e1c t\u1ed5 ch\u1ee9c t\u00edn d\u1ee5ng 2010, Th\u00f4ng t\u01b0 39 c\u0169ng quy \u0111\u1ecbnh c\u1ee5 th\u1ec3 v\u1ec1 l\u00e3i su\u1ea5t cho vay. Theo \u0111\u00f3, t\u1ed5 ch\u1ee9c t\u00edn d\u1ee5ng, chi nh\u00e1nh NH n\u01b0\u1edbc ngo\u00e0i v\u00e0 kh\u00e1ch h\u00e0ng th\u1ecfa thu\u1eadn v\u1ec1 l\u00e3i su\u1ea5t cho vay theo cung c\u1ea7u v\u1ed1n th\u1ecb tr\u01b0\u1eddng, nhu c\u1ea7u vay v\u1ed1n v\u00e0 m\u1ee9c \u0111\u1ed9 t\u00edn nhi\u1ec7m c\u1ee7a kh\u00e1ch h\u00e0ng. Tr\u1eeb tr\u01b0\u1eddng h\u1ee3p cho vay ng\u1eafn h\u1ea1n b\u1eb1ng VN\u0110, l\u00e3i su\u1ea5t th\u1ecfa thu\u1eadn kh\u00f4ng v\u01b0\u1ee3t qu\u00e1 l\u00e3i su\u1ea5t cho vay t\u1ed1i \u0111a do th\u1ed1ng \u0111\u1ed1c NH Nh\u00e0 n\u01b0\u1edbc quy\u1ebft \u0111\u1ecbnh trong t\u1eebng th\u1eddi k\u1ef3 nh\u1eb1m \u0111\u00e1p \u1ee9ng m\u1ed9t s\u1ed1 nhu c\u1ea7u v\u1ed1n. V\u1edbi n\u1ed9i dung n\u00e0y, quy \u0111\u1ecbnh v\u1ec1 tr\u1ea7n l\u00e3i su\u1ea5t ch\u1ec9 \u00e1p d\u1ee5ng \u0111\u1ed1i v\u1edbi tr\u01b0\u1eddng h\u1ee3p cho vay ng\u1eafn h\u1ea1n b\u1eb1ng VN\u0110 thu\u1ed9c c\u00e1c l\u0129nh v\u1ef1c \u01b0u ti\u00ean.<\/p>\n

Theo t\u00ecm hi\u1ec3u th\u1ef1c t\u1ebf c\u1ee7a B\u00e1o Ng\u01b0\u1eddi Lao \u0110\u1ed9ng, quy \u0111\u1ecbnh m\u1edbi c\u1ee7a NH Nh\u00e0 n\u01b0\u1edbc tuy \u1ea3nh h\u01b0\u1edfng nh\u01b0ng kh\u00f4ng nhi\u1ec1u \u0111\u1ebfn c\u00e1c h\u1ed9 kinh doanh, h\u1ed9 gia \u0111\u00ecnh, t\u1ed5 h\u1ee3p t\u00e1c b\u1edfi l\u00e2u nay, c\u00e1c \u0111\u1ed1i t\u01b0\u1ee3ng n\u00e0y r\u1ea5t \u00edt s\u1eed d\u1ee5ng k\u00eanh huy \u0111\u1ed9ng v\u1ed1n t\u1eeb NH. M\u1ed9t ph\u1ea7n, h\u1ecd kh\u00f4ng c\u00f3 h\u1ed3 s\u01a1 h\u1ee3p l\u1ec7, kh\u00f4ng c\u00f3 t\u00e0i s\u1ea3n th\u1ebf ch\u1ea5p v\u00e0 quan tr\u1ecdng h\u01a1n l\u00e0 nh\u00f3m kh\u00e1ch h\u00e0ng n\u00e0y th\u01b0\u1eddng \u01b0u ti\u00ean s\u1eed d\u1ee5ng ngu\u1ed3n v\u1ed1n c\u00f3 s\u1eb5n ho\u1eb7c huy \u0111\u1ed9ng \u201cn\u00f3ng\u201d khi c\u1ea7n.<\/p>\n

Anh C.V.H, ch\u1ee7 c\u01a1 s\u1edf B.H chuy\u00ean gia c\u00f4ng m\u1ed9t s\u1ed1 s\u1ea3n ph\u1ea9m nh\u1ef1a gia d\u1ee5ng, cho bi\u1ebft t\u1eebng l\u00e0m th\u1ee7 t\u1ee5c vay v\u1ed1n \u0111\u1ec3 \u0111\u1ea7u t\u01b0 th\u00eam m\u00e1y m\u00f3c v\u1edbi l\u00e3i su\u1ea5t 0,7%-0,8%\/th\u00e1ng nh\u01b0ng kh\u00f4ng th\u00e0nh v\u00ec c\u01a1 s\u1edf anh ch\u01b0a \u0111\u0103ng k\u00fd thu\u1ebf m\u00f4n b\u00e0i. Nh\u00e2n vi\u00ean NH t\u01b0 v\u1ea5n anh chuy\u1ec3n sang vay c\u00e1 nh\u00e2n, c\u00f3 t\u00e0i s\u1ea3n th\u1ebf ch\u1ea5p v\u1edbi l\u00e3i su\u1ea5t h\u01a1n 1%\/th\u00e1ng.<\/p>\n

\u201cC\u00f3 v\u00e0i m\u1ed1i h\u00e0ng mu\u1ed1n t\u00f4i gia c\u00f4ng cho doanh nghi\u1ec7p l\u1edbn \u0111\u1ec3 xu\u1ea5t kh\u1ea9u v\u1edbi \u0111i\u1ec1u ki\u1ec7n c\u01a1 s\u1edf ph\u1ea3i c\u00f3 t\u01b0 c\u00e1ch ph\u00e1p nh\u00e2n \u0111\u1ec3 giao d\u1ecbch. T\u00f4i \u0111ang nh\u1edd t\u01b0 v\u1ea5n \u0111\u1ec3 chuy\u1ec3n \u0111\u1ed5i l\u00ean doanh nghi\u1ec7p, v\u1eeba ti\u1ec7n cho nh\u1eefng giao d\u1ecbch s\u1eafp t\u1edbi v\u1eeba c\u00f3 \u0111i\u1ec1u ki\u1ec7n vay v\u1ed1n NH\u201d – anh H\u00e0o cho bi\u1ebft.<\/p>\n

C\u00f4 \u01af.T.L – kinh doanh b\u00e1nh m\u1ee9t \u1edf ch\u1ee3 s\u1ec9 B\u00ecnh T\u00e2y, TP HCM – th\u1eeba nh\u1eadn ch\u01b0a bi\u1ebft g\u00ec v\u1ec1 quy \u0111\u1ecbnh m\u1edbi l\u00e0 kh\u00f4ng cho h\u1ed9 kinh doanh c\u00e1 th\u1ec3 vay v\u1ed1n v\u1edbi t\u01b0 c\u00e1ch \u201ch\u1ed9 kinh doanh\u201d nh\u01b0 tr\u01b0\u1edbc. H\u1ea7u h\u1ebft ti\u1ec3u th\u01b0\u01a1ng \u1edf \u0111\u00e2y kinh doanh quy m\u00f4 nh\u1ecf, kh\u00f4ng \u0111\u1ee7 \u0111i\u1ec1u ki\u1ec7n vay v\u1ed1n NH n\u00ean ch\u1ee7 y\u1ebfu d\u00f9ng v\u1ed1n gia \u0111\u00ecnh ho\u1eb7c vay c\u1ee7a c\u00e1c t\u1ed5 ch\u1ee9c t\u00edn d\u1ee5ng \u1edf ch\u1ee3.<\/p>\n

Ch\u1ee7 y\u1ebfu vay \u201cn\u00f3ng\u201d<\/strong><\/p>\n

Lu\u1eadt s\u01b0 Ph\u1ea1m Ng\u1ecdc H\u01b0ng, Ph\u00f3 Ch\u1ee7 t\u1ecbch Hi\u1ec7p h\u1ed9i Doanh nghi\u1ec7p TP HCM, nh\u1eadn x\u00e9t quy \u0111\u1ecbnh c\u1ee7a NH Nh\u00e0 n\u01b0\u1edbc v\u1ec1 ph\u00e1p nh\u00e2n hay c\u00e1 nh\u00e2n m\u1edbi \u0111\u01b0\u1ee3c ph\u00e9p vay v\u1ed1n l\u00e0 ho\u00e0n to\u00e0n h\u1ee3p l\u00fd. B\u1edfi l\u1ebd, trong tranh ch\u1ea5p th\u01b0\u01a1ng m\u1ea1i lu\u00f4n x\u00e9t gi\u1eefa ph\u00e1p nh\u00e2n v\u00e0 ph\u00e1p nh\u00e2n, c\u00e1 nh\u00e2n v\u00e0 c\u00e1 nh\u00e2n. H\u1ed9 kinh doanh c\u00e1 th\u1ec3 kh\u00f4ng c\u00f3 t\u01b0 c\u00e1ch ph\u00e1p nh\u00e2n th\u00ec ch\u1ee7 h\u1ed9 c\u00f3 th\u1ec3 \u0111\u1ee9ng ra vay v\u1ed1n v\u1edbi t\u01b0 c\u00e1ch c\u00e1 nh\u00e2n \u0111\u1ec3 ch\u1ecbu tr\u00e1ch nhi\u1ec7m tr\u01b0\u1edbc ph\u00e1p lu\u1eadt.<\/p>\n

\u201cTheo quan s\u00e1t c\u1ee7a t\u00f4i, nh\u1eefng h\u1ed9 kinh doanh c\u00e1 th\u1ec3 c\u00f3 nhu c\u1ea7u \u0111\u1ea7u t\u01b0 l\u00e2u d\u00e0i th\u00ec \u0111\u00e3 chuy\u1ec3n \u0111\u1ed5i th\u00e0nh doanh nghi\u1ec7p \u0111\u1ec3 d\u1ec5 huy \u0111\u1ed9ng v\u1ed1n d\u00e0i h\u1ea1n. Nh\u1eefng h\u1ed9 gi\u1eef m\u00f4 h\u00ecnh h\u1ed9 kinh doanh nh\u1ecf ch\u1ee7 y\u1ebfu d\u00f9ng v\u1ed1n gia \u0111\u00ecnh, c\u1ea7n v\u1ed1n nhanh th\u00ec vay \u201cn\u00f3ng\u201d b\u00ean ngo\u00e0i v\u1edbi l\u00e3i su\u1ea5t 2%-3%\/th\u00e1ng, th\u1ee7 t\u1ee5c \u0111\u01a1n gi\u1ea3n, th\u1eadm ch\u00ed kh\u00f4ng c\u1ea7n t\u00e0i s\u1ea3n th\u1ebf ch\u1ea5p\u201d – \u00f4ng Ph\u1ea1m Ng\u1ecdc H\u01b0ng cho bi\u1ebft.<\/p>\n

TH\u00c1I PH\u01af\u01a0NG – THANH NH\u00c2N<\/strong><\/p>\n

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

Ng\u01b0\u1eddi lao \u0111\u1ed9ng (Kinh t\u1ebf) 12-02-2017:<\/em><\/strong><\/p>\n

http:\/\/nld.com.vn\/kinh-te\/ho-kinh-doanh-khong-duoc-vay-von-ngan-hang-20170212210833007.htm<\/a><\/em><\/p>\n

(192\/1.377)<\/em>","protected":false},"excerpt":{"rendered":"

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