{"id":15654,"date":"2017-02-15T15:15:33","date_gmt":"2017-02-15T08:15:33","guid":{"rendered":"https:\/\/anvilaw.com\/vi\/?p=15654"},"modified":"2022-03-23T15:17:41","modified_gmt":"2022-03-23T08:17:41","slug":"1-512-chinh-thuc-cam-cho-vay-dao-no","status":"publish","type":"post","link":"https:\/\/anvilaw.com\/vi\/1-512-chinh-thuc-cam-cho-vay-dao-no\/","title":{"rendered":"1.512. Ch\u00ednh th\u1ee9c c\u1ea5m cho vay \u0111\u1ea3o n\u1ee3"},"content":{"rendered":"<strong>(\u0110T) &#8211; T\u1eeb ng\u00e0y 15\/3 t\u1edbi, kh\u00e1ch h\u00e0ng kh\u00f4ng c\u00f2n \u0111\u01b0\u1ee3c ph\u00e9p vay v\u1ed1n \u0111\u1ec3 \u0111\u1ea3o n\u1ee3. Vi\u1ec7c cho vay tu\u1ea7n ho\u00e0n ch\u1ec9 \u00e1p d\u1ee5ng v\u1edbi doanh nghi\u1ec7p kh\u00f4ng c\u00f3 n\u1ee3 x\u1ea5u.<\/strong><\/p>\n<p><strong>Nhi\u1ec1u<\/strong><strong>\u00a0<\/strong><a href=\"http:\/\/baodautu.vn\/doanh-nghiep-d3\/\"><strong>doanh nghi\u1ec7p<\/strong><\/a><strong>\u00a0<\/strong><strong>v\u01b0\u1edbng nghi \u00e1n \u201cvay \u0111\u1ea3o n\u1ee3\u201d<\/strong><\/p>\n<p>Cu\u1ed1i n\u0103m ngo\u00e1i, C\u00f4ng ty CP Ho\u00e0ng Anh Gia Lai (HAGL) g\u00e2y s\u1ed1c cho th\u1ecb tr\u01b0\u1eddng khi th\u00f4ng b\u00e1o ph\u00e1t h\u00e0nh th\u00e0nh c\u00f4ng 930 t\u1ef7 \u0111\u1ed3ng tr\u00e1i phi\u1ebfu cho m\u1ed9t t\u1ed5 ch\u1ee9c t\u00edn d\u1ee5ng. Theo nh\u1eadn \u0111\u1ecbnh c\u1ee7a gi\u1edbi ph\u00e2n t\u00edch, nhi\u1ec1u kh\u1ea3 n\u0103ng, \u0111\u00e2y l\u00e0 gi\u1ea3i ph\u00e1p \u0111\u1ea3o n\u1ee3 \u0111\u01b0\u1ee3c HAGL v\u00e0 ch\u1ee7 n\u1ee3 (m\u1ed9t\u00a0<a href=\"http:\/\/baodautu.vn\/ngan-hang-d5\/\">ng\u00e2n h\u00e0ng<\/a>\u00a0th\u01b0\u01a1ng m\u1ea1i) ti\u1ebfn h\u00e0nh, b\u1edfi doanh nghi\u1ec7p n\u00e0y \u0111ang n\u1ee3 c\u00e1c ng\u00e2n h\u00e0ng l\u00ean t\u1edbi g\u1ea7n 26.000 t\u1ef7 \u0111\u1ed3ng, n\u1ebfu kh\u00f4ng \u201c\u0111\u1ea3o n\u1ee3\u201d, HAGL c\u00f3 th\u1ec3 l\u00e2m v\u00e0o t\u00ecnh th\u1ebf kh\u00f3 kh\u0103n, g\u00e2y s\u1ee9c \u00e9p kh\u00f4ng ch\u1ec9 v\u1edbi doanh nghi\u1ec7p m\u00e0 v\u1edbi c\u1ea3 ng\u00e2n h\u00e0ng.<\/p>\n<p>Th\u1ef1c t\u1ebf, t\u00ecnh tr\u1ea1ng ng\u00e2n h\u00e0ng tr\u1edf th\u00e0nh \u201ct\u00f9 binh\u201d c\u1ee7a doanh nghi\u1ec7p, \u1edf trong t\u00ecnh c\u1ea3nh b\u1ecb \u201c\u00e9p\u201d ph\u1ea3i cho vay \u0111\u1ea3o n\u1ee3 \u0111\u1ec3 l\u00e0m s\u1ea1ch s\u1ed5 s\u00e1ch, gi\u1ea3m n\u1ee3 x\u1ea5u kh\u00f4ng ph\u1ea3i l\u00e0 chuy\u1ec7n hi\u1ebfm, \u0111\u1eb7c bi\u1ec7t l\u00e0 c\u00e1c doanh nghi\u1ec7p l\u1edbn v\u00e0 doanh nghi\u1ec7p nh\u00e0 n\u01b0\u1edbc.<\/p>\n<table width=\"545\">\n<tbody>\n<tr>\n<td><\/td>\n<\/tr>\n<tr>\n<td><em><img loading=\"lazy\" decoding=\"async\" class=\"alignnone size-full wp-image-15656 img-fluid img-fluid\" src=\"https:\/\/anvilaw.com\/wp-content\/uploads\/2022\/03\/1512.png\" alt=\"\" width=\"449\" height=\"337\" \/>.<\/em><\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<p><em>Theo lu\u1eadt s\u01b0 Tr\u01b0\u01a1ng Thanh \u0110\u1ee9c,\u00a0<\/em><em>Gi\u00e1m \u0111\u1ed1c C\u00f4ng ty Lu\u1eadt TNHH ANVI\u00a0<\/em><em>vi\u1ec7c cho vay \u0111\u1ea3o n\u1ee3 (l\u1ea5y n\u1ee3 m\u1edbi tr\u1ea3 n\u1ee3 c\u0169) ti\u1ec1m \u1ea9n r\u1ea5t nhi\u1ec1u nguy c\u01a1, \u0111\u1eb7c bi\u1ec7t l\u00e0 nguy c\u01a1 che gi\u1ea5u n\u1ee3 x\u1ea5u.<\/em><\/p>\n<p>Hi\u1ec3u m\u1ed9t c\u00e1ch \u0111\u01a1n gi\u1ea3n, ng\u00e2n h\u00e0ng cho vay doanh nghi\u1ec7p 100 \u0111\u1ed3ng, \u0111\u1ebfn k\u1ef3 tr\u1ea3 n\u1ee3, doanh nghi\u1ec7p kh\u00f4ng tr\u1ea3 \u0111\u01b0\u1ee3c 100 \u0111\u1ed3ng ti\u1ec1n g\u1ed1c l\u1eabn 10 \u0111\u1ed3ng ti\u1ec1n l\u00e3i. Thay v\u00ec \u0111\u00f2i n\u1ee3, ng\u00e2n h\u00e0ng ti\u1ebfp t\u1ee5c cho doanh nghi\u1ec7p vay th\u00eam 10 \u0111\u1ed3ng n\u1eefa v\u00e0 l\u1eadp h\u1ee3p \u0111\u1ed3ng t\u00edn d\u1ee5ng m\u1edbi 110 \u0111\u1ed3ng. Theo c\u00e1ch th\u1ee9c n\u00e0y, doanh nghi\u1ec7p v\u00e0 ng\u00e2n h\u00e0ng \u0111\u1ec1u vui v\u00ec kh\u00f4ng c\u00f3 n\u1ee3 x\u1ea5u. V\u1ea5n \u0111\u1ec1 \u0111\u1eb7t ra l\u00e0, n\u1ebfu t\u00ecnh h\u00ecnh\u00a0<a href=\"http:\/\/baodautu.vn\/tai-chinh-bao-hiem-d6\/\">t\u00e0i ch\u00ednh<\/a>\u00a0c\u1ee7a doanh nghi\u1ec7p ti\u1ebfp t\u1ee5c x\u1ea5u \u0111i, th\u00ec thay v\u00ec 100 \u0111\u1ed3ng c\u00f3 nguy c\u01a1 m\u1ea5t tr\u1eafng, ng\u00e2n h\u00e0ng c\u00f3 nguy c\u01a1 m\u1ea5t tr\u1eafng 110 \u0111\u1ed3ng (ch\u01b0a k\u1ec3 l\u00e3i). R\u00f5 r\u00e0ng, vi\u1ec7c \u0111\u1ea3o n\u1ee3 c\u00f3 th\u1ec3 gi\u00fap doanh nghi\u1ec7p h\u1ed3i sinh, ng\u00e2n h\u00e0ng n\u00e9 n\u1ee3 x\u1ea5u, song c\u0169ng ti\u1ec1m \u1ea9n r\u1ee7i ro m\u1ea5t v\u1ed1n r\u1ea5t l\u1edbn.<\/p>\n<p>Tuy\u00a0 nhi\u00ean, NHNN \u0111\u00e3 s\u1eafp s\u1eeda \u201ctu\u00fdt c\u00f2i\u201d v\u1edbi ho\u1ea1t \u0111\u1ed9ng vay \u0111\u1ea3o n\u1ee3. C\u1ee5 th\u1ec3, theo \u00f4ng \u0110o\u00e0n Th\u00e1i S\u01a1n, V\u1ee5 tr\u01b0\u1edfng V\u1ee5 Ph\u00e1p ch\u1ebf (NHNN), Th\u00f4ng t\u01b0 39\/2016\/TT-NHNN c\u00f3 hi\u1ec7u l\u1ef1c t\u1eeb ng\u00e0y 15\/3 t\u1edbi \u0111\u00e3 b\u1ecf quy \u0111\u1ecbnh v\u1ec1 \u0111\u1ea3o n\u1ee3 t\u1ea1i Quy ch\u1ebf cho vay 1627. Theo \u0111\u00f3, c\u00e1c ng\u00e2n h\u00e0ng kh\u00f4ng \u0111\u01b0\u1ee3c cho vay \u0111\u1ec3 tr\u1ea3 n\u1ee3 kho\u1ea3n n\u1ee3 vay t\u1ea1i ch\u00ednh ng\u00e2n h\u00e0ng \u0111\u00f3 ho\u1eb7c t\u1ea1i ng\u00e2n h\u00e0ng kh\u00e1c.<\/p>\n<p>Vi\u1ec7c ch\u1ea5m d\u1ee9t cho vay \u0111\u1ea3o n\u1ee3 c\u1ee7a NHNN \u0111\u01b0\u1ee3c gi\u1edbi chuy\u00ean gia \u0111\u00e1nh gi\u00e1 cao, b\u1edfi khi \u0111\u00f3 ch\u1ea5t l\u01b0\u1ee3ng t\u00edn d\u1ee5ng, t\u00ecnh h\u00ecnh n\u1ee3 x\u1ea5u, s\u1ee9c kh\u1ecfe ng\u00e2n h\u00e0ng v\u00e0 s\u1ee9c kh\u1ecfe doanh nghi\u1ec7p s\u1ebd \u0111\u01b0\u1ee3c nh\u00ecn nh\u1eadn th\u1ef1c ch\u1ea5t h\u01a1n, tr\u00e1nh t\u00ecnh tr\u1ea1ng \u201cb\u1ec7nh nan y nh\u01b0ng l\u1ea1i ch\u1ec9 \u0111\u01b0\u1ee3c c\u1ea5p thu\u1ed1c h\u1ea1 s\u1ed1t\u201d.<\/p>\n<p><strong>Cho vay tu\u1ea7n ho\u00e0n ch\u1ec9 \u00e1p d\u1ee5ng v\u1edbi doanh nghi\u1ec7p \u2018s\u1ea1ch\u2019<\/strong><\/p>\n<p>B\u00ean c\u1ea1nh c\u1ea5m cho vay \u0111\u1ea3o n\u1ee3, m\u1ed9t \u0111i\u1ec3m m\u1edbi c\u1ee7a Th\u00f4ng t\u01b0 39 l\u00e0 b\u1ed5 sung m\u1ed9t s\u1ed1 ph\u01b0\u01a1ng th\u1ee9c cho vay nh\u01b0: cho vay quay v\u00f2ng, cho vay tu\u1ea7n ho\u00e0n, cho vay l\u01b0u v\u1ee5. Tuy nhi\u00ean, theo \u00f4ng \u0110o\u00e0n Th\u00e1i S\u01a1n, vi\u1ec7c cho vay tu\u1ea7n ho\u00e0n, vay quay v\u00f2ng\u2026 \u0111\u1ec1u \u0111\u01b0\u1ee3c quy \u0111\u1ecbnh ch\u1eb7t ch\u1ebd v\u1ec1 \u0111i\u1ec1u ki\u1ec7n \u00e1p d\u1ee5ng. V\u00ed d\u1ee5, ph\u01b0\u01a1ng th\u1ee9c cho vay tu\u1ea7n ho\u00e0n ch\u1ec9 \u00e1p d\u1ee5ng \u0111\u1ed1i v\u1edbi kho\u1ea3n vay ng\u1eafn h\u1ea1n v\u00e0 kh\u00e1ch h\u00e0ng kh\u00f4ng c\u00f3 ph\u00e1t sinh n\u1ee3 x\u1ea5u&#8230;<\/p>\n<p>C\u00f2n nh\u1edb, h\u1ed3i th\u00e1ng 9\/2016, NHNN \u0111\u00e3 ban h\u00e0nh c\u00f4ng v\u0103n ch\u1ea5n ch\u1ec9nh cho vay m\u1edbi tr\u1ea3 n\u1ee3 tr\u01b0\u1edbc h\u1ea1n ho\u1eb7c c\u1ea5p t\u00edn d\u1ee5ng theo h\u00ecnh th\u1ee9c cho vay tu\u1ea7n ho\u00e0n. Theo \u0111\u00f3, Th\u1ed1ng \u0111\u1ed1c y\u00eau c\u1ea7u c\u00e1c ng\u00e2n h\u00e0ng d\u1eebng h\u00ecnh th\u1ee9c cho vay tr\u00ean. Tr\u01b0\u1edbc \u0111\u00f3, v\u00e0o n\u0103m 2014, NHNN \u0111\u00e3 c\u00f3 v\u0103n b\u1ea3n \u0111\u1ec1 ngh\u1ecb ng\u1eebng cho vay tu\u1ea7n ho\u00e0n, song th\u1eddi gian qua v\u1eabn c\u00f3 nhi\u1ec1u t\u1ed5 ch\u1ee9c t\u00edn d\u1ee5ng \u00e1p d\u1ee5ng.<\/p>\n<p>T\u00ecnh tr\u1ea1ng ng\u00e2n h\u00e0ng tr\u1edf th\u00e0nh \u201ct\u00f9 binh\u201d c\u1ee7a doanh nghi\u1ec7p, \u1edf trong t\u00ecnh c\u1ea3nh b\u1ecb \u201c\u00e9p\u201d ph\u1ea3i cho vay \u0111\u1ea3o n\u1ee3 \u0111\u1ec3 l\u00e0m s\u1ea1ch s\u1ed5 s\u00e1ch, gi\u1ea3m n\u1ee3 x\u1ea5u kh\u00f4ng ph\u1ea3i l\u00e0 chuy\u1ec7n hi\u1ebfm.<\/p>\n<p>Th\u1ef1c t\u1ebf, cho vay tu\u1ea7n ho\u00e0n l\u00e0 m\u1ed9t nghi\u1ec7p v\u1ee5 t\u00edn d\u1ee5ng kh\u00e1 ph\u1ed5 bi\u1ebfn tr\u00ean th\u1ebf gi\u1edbi, b\u1edfi h\u00ecnh th\u1ee9c n\u00e0y gi\u1ea3m thi\u1ec3u th\u1eddi gian, th\u1ee7 t\u1ee5c cho c\u1ea3 ng\u00e2n h\u00e0ng v\u00e0 kh\u00e1ch h\u00e0ng. Tuy nhi\u00ean, c\u00e1c chuy\u00ean gia t\u00e0i ch\u00ednh &#8211; ng\u00e2n h\u00e0ng cho r\u1eb1ng, \u1edf Vi\u1ec7t Nam, h\u00ecnh th\u1ee9c n\u00e0y d\u1ec5 b\u1ecb l\u1ee3i d\u1ee5ng \u0111\u1ec3 gi\u1ea5u n\u1ee3 x\u1ea5u. <em>V\u00ec v\u1eady, theo lu\u1eadt s\u01b0 Tr\u01b0\u01a1ng Thanh \u0110\u1ee9c, ch\u1ea5m d\u1ee9t cho vay tu\u1ea7n ho\u00e0n v\u1edbi doanh nghi\u1ec7p c\u00f3 n\u1ee3 x\u1ea5u l\u00e0 h\u1ee3p l\u00fd, b\u1edfi n\u1ebfu c\u00e1c ng\u00e2n h\u00e0ng kh\u00f4ng ki\u1ec3m so\u00e1t nghi\u00eam, r\u1ea5t kh\u00f3 ph\u00e2n bi\u1ec7t c\u00e1c kho\u1ea3n vay h\u1ee3p l\u00fd, kho\u1ea3n vay n\u00e0o l\u00e0 \u0111\u1ea3o n\u1ee3.\u00a0<\/em><\/p>\n<p>V\u1ec1 ph\u00eda ng\u00e2n h\u00e0ng th\u01b0\u01a1ng m\u1ea1i, nhi\u1ec1u l\u00e3nh \u0111\u1ea1o ng\u00e2n h\u00e0ng cho r\u1eb1ng, vi\u1ec7c si\u1ebft vay tu\u1ea7n ho\u00e0n, vay quay v\u00f2ng\u2026 c\u1ee7a NHNN \u0111\u1ec3 \u0111\u1ec1 ph\u00f2ng r\u1ee7i ro l\u00e0 c\u1ea7n thi\u1ebft, nh\u01b0ng c\u1ea7n n\u1edbi l\u1ecfng th\u00eam m\u1ed9t ch\u00fat.<\/p>\n<p>\u201cH\u1ed3 s\u01a1, ch\u1ee9ng t\u1eeb vay v\u1ed1n c\u1ee7a doanh nghi\u1ec7p hi\u1ec7n nay r\u1ea5t l\u1edbn. N\u1ebfu nh\u01b0 cho ph\u00e9p vay tu\u1ea7n ho\u00e0n, doanh nghi\u1ec7p ch\u1ec9 c\u1ea7n cung c\u1ea5p m\u1ed9t l\u1ea7n, thay v\u00ec m\u1ed7i l\u1ea7n k\u00fd h\u1ee3p \u0111\u1ed3ng m\u1edbi l\u1ea1i ph\u1ea3i l\u00e0m l\u1ea1i b\u1ed9 ch\u1ee9ng t\u1eeb, r\u1ea5t m\u1ea5t th\u1eddi gian. D\u00f9 NHNN \u0111\u00e3 cho ph\u00e9p \u00e1p d\u1ee5ng cho vay tu\u1ea7n ho\u00e0n v\u1edbi c\u00e1c doanh nghi\u1ec7p kh\u00f4ng c\u00f3 n\u1ee3 x\u1ea5u, song trong kinh doanh, ngay c\u1ea3 doanh nghi\u1ec7p t\u1ed1t c\u0169ng c\u00f3 khi d\u00ednh n\u1ee3 x\u1ea5u trong kho\u1ea3ng th\u1eddi gian ng\u1eafn, v\u00ec kh\u00f3 c\u00e2n \u0111\u1ed1i d\u00f2ng ti\u1ec1n ch\u00ednh x\u00e1c v\u1ec1 m\u1eb7t th\u1eddi \u0111i\u1ec3m. Do \u0111\u00f3, t\u00f4i cho r\u1eb1ng, NHNN n\u00ean cho ph\u00e9p \u00e1p d\u1ee5ng cho vay tu\u1ea7n ho\u00e0n v\u1edbi c\u1ea3 doanh nghi\u1ec7p c\u00f3 n\u1ee3 x\u1ea5u \u00edt v\u00e0 ng\u00e2n h\u00e0ng c\u00f3 th\u1ec3 qu\u1ea3n l\u00fd \u0111\u01b0\u1ee3c d\u00f2ng ti\u1ec1n, \u0111\u1ec3 gi\u1ea3m \u201cn\u00fai\u201d th\u1ee7 t\u1ee5c cho c\u1ea3 ng\u00e2n h\u00e0ng v\u00e0 doanh nghi\u1ec7p\u201d, Ph\u00f3 t\u1ed5ng gi\u00e1m \u0111\u1ed1c m\u1ed9t ng\u00e2n h\u00e0ng TMCP \u0111\u1ec1 ngh\u1ecb.<\/p>\n<p><strong>H\u00e0 T\u00e2m<\/strong><\/p>\n<p>\u2014\u2014\u2014\u2014\u2014\u2014\u2013<\/p>\n<p><strong><em>\u0110\u1ea7u t\u01b0 (Ng\u00e2n h\u00e0ng) 15-02-2017:<\/em><\/strong><\/p>\n<p><a href=\"http:\/\/baodautu.vn\/chinh-thuc-cam-cho-vay-dao-no-d58851.html\"><em>http:\/\/baodautu.vn\/chinh-thuc-cam-cho-vay-dao-no-d58851.html<\/em><\/a><\/p>\n<p><em>(79\/1.019)<\/em>","protected":false},"excerpt":{"rendered":"<p>(\u0110T) &#8211; T\u1eeb ng\u00e0y 15\/3 t\u1edbi, kh\u00e1ch h\u00e0ng kh\u00f4ng c\u00f2n \u0111\u01b0\u1ee3c ph\u00e9p vay v\u1ed1n \u0111\u1ec3 \u0111\u1ea3o n\u1ee3. Vi\u1ec7c cho vay tu\u1ea7n ho\u00e0n ch\u1ec9 \u00e1p d\u1ee5ng v\u1edbi doanh nghi\u1ec7p kh\u00f4ng c\u00f3 n\u1ee3 x\u1ea5u. Nhi\u1ec1u\u00a0doanh nghi\u1ec7p\u00a0v\u01b0\u1edbng nghi \u00e1n \u201cvay \u0111\u1ea3o n\u1ee3\u201d Cu\u1ed1i n\u0103m ngo\u00e1i, C\u00f4ng ty CP Ho\u00e0ng Anh Gia Lai (HAGL) g\u00e2y s\u1ed1c cho th\u1ecb tr\u01b0\u1eddng [&hellip;]<\/p>\n","protected":false},"author":3,"featured_media":15656,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":""},"categories":[27,26],"tags":[],"class_list":["post-15654","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-interviews","category-legal-media"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v26.9 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>1.512. 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