{"id":15696,"date":"2017-02-15T15:36:59","date_gmt":"2017-02-15T08:36:59","guid":{"rendered":"https:\/\/anvilaw.com\/vi\/?p=15696"},"modified":"2022-03-23T15:59:25","modified_gmt":"2022-03-23T08:59:25","slug":"1-516-vi-sao-ho-kinh-doanh-to-hop-tac-khong-duoc-vay-von-tu-ngay-15-3-toi","status":"publish","type":"post","link":"https:\/\/anvilaw.com\/vi\/1-516-vi-sao-ho-kinh-doanh-to-hop-tac-khong-duoc-vay-von-tu-ngay-15-3-toi\/","title":{"rendered":"1.516. V\u00ec sao h\u1ed9 kinh doanh, t\u1ed5 h\u1ee3p t\u00e1c kh\u00f4ng \u0111\u01b0\u1ee3c vay v\u1ed1n t\u1eeb ng\u00e0y 15\/3 t\u1edbi?"},"content":{"rendered":"(<\/strong>VOV<\/strong>)<\/strong> – K\u1ec3 t\u1eeb ng\u00e0y 15\/3 t\u1edbi \u0111\u00e2y, c\u00e1c h\u1ed9 kinh doanh, t\u1ed5 h\u1ee3p t\u00e1c… s\u1ebd kh\u00f4ng \u0111\u01b0\u1ee3c vay v\u1ed1n ng\u00e2n h\u00e0ng do kh\u00f4ng \u0111\u1ee7 t\u01b0 c\u00e1ch ch\u1ee7 th\u1ec3 vay v\u1ed1n.<\/strong><\/p>\n

\"\"<\/p>\n

Th\u00f4ng tin n\u00e0y \u0111ang khi\u1ebfn nhi\u1ec1u ch\u1ee7 h\u1ed9, gia \u0111\u00ecnh l\u00e0m \u0103n bu\u00f4n b\u00e1n, kinh doanh nh\u1ecf l\u1ebb lo ng\u1ea1i v\u00ec vay v\u1ed1n ng\u00e2n h\u00e0ng s\u1ebd kh\u00f3 kh\u0103n h\u01a1n. Trong khi \u0111\u00f3, c\u00e1c chuy\u00ean gia cho r\u1eb1ng, vi\u1ec7c thay \u0111\u1ed5i \u0111\u1ed1i t\u01b0\u1ee3ng vay l\u00e0 c\u1ea7n thi\u1ebft \u0111\u1ec3 l\u00e0m r\u00f5 t\u01b0 c\u00e1ch ph\u00e1p l\u00fd v\u00e0 quy r\u00f5 tr\u00e1ch nhi\u1ec7m c\u1ee5 th\u1ec3 \u0111\u1ed1i v\u1edbi kho\u1ea3n vay ng\u00e2n h\u00e0ng. \u0110i\u1ec1u n\u00e0y c\u0169ng s\u1ebd g\u00f3p ph\u1ea7n gi\u1ea3m thi\u1ec3u r\u1ee7i ro t\u00edn d\u1ee5ng.<\/p>\n

Theo quy \u0111\u1ecbnh t\u1ea1i Quy\u1ebft \u0111\u1ecbnh 1627\/2001 c\u1ee7a Ng\u00e2n h\u00e0ng Nh\u00e0 n\u01b0\u1edbc, c\u00e1c ch\u1ee7 th\u1ec3 \u0111\u01b0\u1ee3c vay v\u1ed1n bao g\u1ed3m bao g\u1ed3m c\u00e1 nh\u00e2n, h\u1ed9 gia \u0111\u00ecnh, doanh nghi\u1ec7p t\u01b0 nh\u00e2n, t\u1ed5 h\u1ee3p t\u00e1c v\u00e0 c\u00e1c t\u1ed5 ch\u1ee9c kh\u00e1c c\u00f3 n\u0103ng l\u1ef1c ph\u00e1p lu\u1eadt d\u00e2n s\u1ef1.<\/p>\n

Tuy nhi\u00ean, theo Th\u00f4ng t\u01b0 39\/2016 do Ng\u00e2n h\u00e0ng nh\u00e0 n\u01b0\u1edbc ban h\u00e0nh, t\u1eeb ng\u00e0y 15\/3 t\u1edbi \u0111\u00e2y, ch\u1ee7 th\u1ec3 vay v\u1ed1n ch\u1ec9 bao g\u1ed3m c\u00e1 nh\u00e2n Vi\u1ec7t Nam, c\u00e1 nh\u00e2n c\u00f3 qu\u1ed1c t\u1ecbch n\u01b0\u1edbc ngo\u00e0i, ph\u00e1p nh\u00e2n th\u00e0nh l\u1eadp v\u00e0 ho\u1ea1t \u0111\u1ed9ng t\u1ea1i Vi\u1ec7t Nam, ph\u00e1p nh\u00e2n th\u00e0nh l\u1eadp \u1edf n\u01b0\u1edbc ngo\u00e0i v\u00e0 ho\u1ea1t \u0111\u1ed9ng h\u1ee3p ph\u00e1p t\u1ea1i Vi\u1ec7t Nam. Nh\u01b0 v\u1eady, c\u00e1c h\u1ed9 gia \u0111\u00ecnh, t\u1ed5 h\u1ee3p t\u00e1c, h\u1ed9 kinh doanh s\u1ebd kh\u00f4ng \u0111\u1ee7 t\u01b0 c\u00e1ch ch\u1ee7 th\u1ec3 vay v\u1ed1n.<\/p>\n

Th\u00f4ng tin n\u00e0y khi\u1ebfn c\u00e1c h\u1ed9 kinh doanh nh\u1ecf l\u1ebb b\u0103n kho\u0103n, lo l\u1eafng. Ch\u1ecb \u0110\u0103ng Th\u1ecb Hoa, ch\u1ee7 m\u1ed9t h\u1ed9 kinh doanh \u1edf qu\u1eadn Long Bi\u00ean, H\u00e0 N\u1ed9i chia s\u1ebb, \u0111ang c\u00f3 d\u1ef1 \u0111\u1ecbnh vay v\u1ed1n ng\u00e2n h\u00e0ng \u0111\u1ec3 m\u1edf th\u00eam c\u1eeda h\u00e0ng n\u1eefa, nh\u01b0ng kh\u00f4ng bi\u1ebft t\u1edbi \u0111\u00e2y c\u00f3 \u0111\u01b0\u1ee3c vay n\u1eefa kh\u00f4ng.<\/p>\n

Ng\u00e2n h\u00e0ng Nh\u00e0 n\u01b0\u1edbc cho r\u1eb1ng, Th\u00f4ng t\u01b0 39\/2016 c\u00f3 nh\u1eefng quy \u0111\u1ecbnh gi\u1edbi h\u1ea1n \u0111\u1ed1i t\u01b0\u1ee3ng kh\u00e1ch h\u00e0ng \u0111\u01b0\u1ee3c vay t\u1ea1i t\u1ed5 ch\u1ee9c t\u00edn d\u1ee5ng, ch\u1ec9 l\u00e0 ph\u00e1p nh\u00e2n v\u00e0 c\u00e1 nh\u00e2n, \u0111\u1ec3 ph\u00f9 h\u1ee3p v\u1edbi quy \u0111\u1ecbnh c\u1ee7a B\u1ed9 lu\u1eadt d\u00e2n s\u1ef1 2015 \u0111\u00e3 c\u00f3 hi\u1ec7u l\u1ef1c thi h\u00e0nh t\u1eeb ng\u00e0y 01\/01\/2017 v\u1eeba qua. Trong \u0111\u00f3 n\u00eau r\u00f5, 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. Quy \u0111\u1ecbnh c\u1ee7a Th\u00f4ng t\u01b0 39\/2016 quy \u0111\u1ecbnh l\u1ea1i ch\u1ee7 th\u1ec3 vay v\u1ed1n, l\u00e0m r\u00f5 thu\u1eadt ng\u1eef, kh\u00e1i ni\u1ec7m.<\/p>\n

\u0110i\u1ec1u n\u00e0y c\u00f3 ngh\u0129a l\u00e0 t\u1eeb nay tr\u1edf \u0111i, \u0111\u1ec3 vay v\u1ed1n, c\u00e1c ch\u1ee7 h\u1ed9 ph\u1ea3i t\u1ef1 \u0111\u1ee9ng t\u00ean vay, t\u1ef1 ch\u1ecbu tr\u00e1ch nhi\u1ec7m tr\u1ea3 n\u1ee3, ch\u1ee9 kh\u00f4ng ph\u1ea3i v\u1edbi danh ngh\u0129a h\u1ed9 gia \u0111\u00ecnh, h\u1ed9 kinh doanh nh\u01b0 tr\u01b0\u1edbc \u0111\u00e2y n\u1eefa.<\/p>\n

Chuy\u00ean gia t\u00e0i ch\u00ednh ng\u00e2n h\u00e0ng Nguy\u1ec5n Tr\u00ed Hi\u1ebfu cho r\u1eb1ng, vi\u1ec7c \u0111i\u1ec1u ch\u1ec9nh n\u00e0y l\u00e0 c\u1ea7n thi\u1ebft. B\u1edfi n\u1ebfu c\u1ee9 cho h\u1ed9 gia \u0111\u00ecnh vay nh\u01b0 tr\u01b0\u1edbc \u0111\u00e2y, khi x\u1ea3y ra v\u1ea5n \u0111\u1ec1 v\u1ec1 t\u00edn d\u1ee5ng, n\u1ee3 x\u1ea5u, kh\u00f4ng l\u1ebd ph\u1ea3i y\u00eau c\u1ea7u t\u1ea5t c\u1ea3 nh\u1eefng ng\u01b0\u1eddi trong gia \u0111\u00ecnh ch\u1ecbu tr\u00e1ch nhi\u1ec7m v\u1ec1 kho\u1ea3n vay? Vi\u1ec7c thay \u0111\u1ed5i \u0111\u1ed1i t\u01b0\u1ee3ng vay l\u00e0m r\u00f5 t\u01b0 c\u00e1ch ph\u00e1p l\u00fd v\u00e0 quy r\u00f5 tr\u00e1ch nhi\u1ec7m c\u1ee5 th\u1ec3 \u0111\u1ed1i v\u1edbi kho\u1ea3n vay ng\u00e2n h\u00e0ng. \u0110i\u1ec1u n\u00e0y c\u0169ng s\u1ebd g\u00f3p ph\u1ea7n gi\u1ea3m thi\u1ec3u r\u1ee7i ro t\u00edn d\u1ee5ng.<\/p>\n

Th\u1eddi gian t\u1edbi, kh\u00f4ng ch\u1ec9 h\u1ee3p \u0111\u1ed3ng vay v\u1ed1n m\u00e0 t\u1ea5t c\u1ea3 h\u1ee3p \u0111\u1ed3ng d\u00e2n s\u1ef1 t\u1edbi \u0111\u00e2y \u0111\u1ec1u kh\u00f4ng c\u00f2n ch\u1ee7 th\u1ec3 giao d\u1ecbch l\u00e0 \u201ch\u1ed9\u201d. C\u00e1c h\u1ee3p \u0111\u1ed3ng d\u00e2n s\u1ef1 (v\u00ed d\u1ee5 h\u1ee3p \u0111\u1ed3ng mua b\u00e1n t\u00e0i s\u1ea3n) n\u1ebfu k\u00fd v\u1edbi h\u1ed9 s\u1ebd tr\u1edf th\u00e0nh v\u00f4 hi\u1ec7u, v\u00ec ch\u1ee7 th\u1ec3 n\u00e0y kh\u00f4ng \u0111\u01b0\u1ee3c B\u1ed9 lu\u1eadt D\u00e2n s\u1ef1 2015 c\u00f4ng nh\u1eadn. Trong l\u0129nh v\u1ef1c ng\u00e2n h\u00e0ng, c\u00e1c t\u1ed5 ch\u1ee9c t\u00edn d\u1ee5ng k\u00fd h\u1ee3p \u0111\u1ed3ng cho vay v\u1edbi c\u00e1c h\u1ed9 kinh doanh v\u00e0 c\u00e1c t\u1ed5 ch\u1ee9c kh\u00e1c s\u1ebd ti\u1ec1m \u1ea9n nhi\u1ec1u r\u1ee7i ro v\u00ec c\u00f3 th\u1ec3 b\u1ecb tuy\u00ean v\u00f4 hi\u1ec7u h\u1ee3p \u0111\u1ed3ng.<\/p>\n

Lu\u1eadt s\u01b0 Tr\u01b0\u01a1ng Thanh \u0110\u1ee9c, <\/em>Gi\u00e1m \u0111\u1ed1c C\u00f4ng ty Lu\u1eadt TNHH ANVI <\/em>cho r\u1eb1ng: Kh\u00f4ng ph\u1ea3i do Ng\u00e2n h\u00e0ng Nh\u00e0 n\u01b0\u1edbc t\u1ef1 quy \u0111\u1ecbnh m\u00e0 do trong B\u1ed9 Lu\u1eadt d\u00e2n s\u1ef1 quy \u0111\u1ecbnh chu\u1ea9n c\u1ea7n \u00e1p d\u1ee5ng. C\u1ea7n ph\u1ea3i x\u00e1c \u0111\u1ecbnh r\u00f5 t\u01b0 c\u00e1ch giao d\u1ecbch, \u0111\u1ea1i di\u1ec7n.<\/em><\/p>\n

Theo LS. \u0110\u1ee9c, hi\u1ec7n c\u00e1c ng\u00e2n h\u00e0ng th\u01b0\u01a1ng m\u1ea1i v\u1eabn c\u00f3 th\u1ec3 cho c\u00e1c h\u1ed9 kinh doanh vay v\u1ed1n s\u1ea3n xu\u1ea5t kinh doanh, nh\u01b0ng c\u1ea7n c\u00f3 h\u01b0\u1edbng d\u1eabn c\u1ee5 th\u1ec3 kh\u00f4ng th\u00ec m\u1ed7i ng\u01b0\u1eddi m\u1ed7i ng\u00e2n h\u00e0ng hi\u1ec3u m\u1ed9t c\u00e1ch th\u00ec s\u1ebd r\u1ea5t r\u1ed1i. B\u1ea3n th\u00e2n ng\u01b0\u1eddi d\u00e2n c\u0169ng lo c\u00f3 \u1ea3nh h\u01b0\u1edfng g\u00ec kh\u00f4ng. C\u01a1 quan ch\u1ee9c n\u0103ng c\u1ea7n c\u00f3 h\u01b0\u1edbng d\u1eabn c\u1ee5 th\u1ec3, r\u00f5 r\u00e0ng v\u00e0 th\u1ed1ng nh\u1ea5t.<\/em><\/p>\n

Hi\u1ec7n c\u1ea3 n\u01b0\u1edbc c\u00f3 kho\u1ea3ng 5,6 tri\u1ec7u h\u1ed9 kinh doanh. \u0110\u00e2y c\u0169ng l\u00e0 m\u1ed9t trong nh\u1eefng kh\u00e1ch h\u00e0ng ti\u1ec1m n\u0103ng c\u1ee7a c\u00e1c t\u1ed5 ch\u1ee9c t\u00edn d\u1ee5ng. C\u00e1c ng\u00e2n h\u00e0ng th\u01b0\u01a1ng m\u1ea1i cho bi\u1ebft, \u0111ang nghi\u00ean c\u1ee9u c\u1ee5 th\u1ec3 Th\u00f4ng t\u01b0 39\/2016 c\u1ee7a Ng\u00e2n h\u00e0ng Nh\u00e0 n\u01b0\u1edbc \u0111\u1ec3 \u00e1p d\u1ee5ng trong th\u1eddi gian t\u1edbi. V\u1ec1 c\u01a1 b\u1ea3n ch\u1ec9 thay \u0111\u1ed5i ch\u1ee7 th\u1ec3 \u0111\u1ee9ng ra vay v\u1ed1n, c\u00f2n \u0111\u1ed1i t\u01b0\u1ee3ng vay v\u1ed1n v\u00e0 ch\u00ednh s\u00e1ch cho vay c\u1ee7a ng\u00e2n h\u00e0ng v\u1edbi \u0111\u1ed1i t\u01b0\u1ee3ng tr\u00ean kh\u00f4ng thay \u0111\u1ed5i.<\/p>\n

\u0110\u1ea1i di\u1ec7n Ng\u00e2n h\u00e0ng Nh\u00e0 n\u01b0\u1edbc c\u0169ng kh\u1eb3ng \u0111\u1ecbnh, kh\u00f4ng c\u00f3 chuy\u1ec7n c\u00e1c h\u1ed9 s\u1ea3n xu\u1ea5t, h\u1ed9 kinh doanh ph\u1ea3i l\u1eadp doanh nghi\u1ec7p m\u1edbi \u0111\u01b0\u1ee3c vay v\u1ed1n, m\u00e0 ch\u1ec9 l\u00e0 quy \u0111\u1ecbnh r\u00f5 tr\u00e1ch nhi\u1ec7m c\u1ee7a c\u00e1c c\u00e1 nh\u00e2n khi tham gia giao d\u1ecbch. V\u1ec1 l\u00e3i su\u1ea5t cho vay khi kh\u00e1ch h\u00e0ng chuy\u1ec3n t\u1eeb \u201ch\u1ed9\u201d sang c\u00e1 nh\u00e2n t\u00f9y thu\u1ed9c v\u00e0o th\u1ecfa thu\u1eadn gi\u1eefa ng\u00e2n h\u00e0ng th\u01b0\u01a1ng m\u1ea1i v\u00e0 kh\u00e1ch h\u00e0ng, c\u00e1c ph\u01b0\u01a1ng \u00e1n kinh doanh, t\u00e0i s\u1ea3n \u0111\u1ea3m b\u1ea3o, c\u00e1c ch\u00ednh s\u00e1ch \u01b0u \u0111\u00e3i c\u1ee7a ng\u00e2n h\u00e0ng.<\/p>\n

Vi\u1ec7t H\u00e0\/VOV-Trung t\u00e2m Tin<\/strong><\/p>\n

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

VOV (Doanh nghi\u1ec7p) 15-02-2017:<\/em><\/strong><\/p>\n

http:\/\/vov.vn\/kinh-te\/doanh-nghiep\/vi-sao-ho-kinh-doanh-to-hop-tac-khong-duoc-vay-von-tu-ngay-153-toi-593704.vov<\/a><\/em><\/p>\n

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

(VOV) – K\u1ec3 t\u1eeb ng\u00e0y 15\/3 t\u1edbi \u0111\u00e2y, c\u00e1c h\u1ed9 kinh doanh, t\u1ed5 h\u1ee3p t\u00e1c… s\u1ebd kh\u00f4ng \u0111\u01b0\u1ee3c vay v\u1ed1n ng\u00e2n h\u00e0ng do kh\u00f4ng \u0111\u1ee7 t\u01b0 c\u00e1ch ch\u1ee7 th\u1ec3 vay v\u1ed1n. Th\u00f4ng tin n\u00e0y \u0111ang khi\u1ebfn nhi\u1ec1u ch\u1ee7 h\u1ed9, gia \u0111\u00ecnh l\u00e0m \u0103n bu\u00f4n b\u00e1n, kinh doanh nh\u1ecf l\u1ebb lo ng\u1ea1i v\u00ec vay v\u1ed1n ng\u00e2n […]<\/p>\n","protected":false},"author":3,"featured_media":15718,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":""},"categories":[27,26],"tags":[],"class_list":["post-15696","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-interviews","category-legal-media"],"acf":[],"yoast_head":"\n1.516. 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