{"id":1588,"date":"2021-07-01T22:04:22","date_gmt":"2021-07-01T15:04:22","guid":{"rendered":"https:\/\/anvilaw.com\/vi\/?p=1588"},"modified":"2022-01-21T08:46:24","modified_gmt":"2022-01-21T01:46:24","slug":"366-binh-luan-ve-lai-suat-bat-cap","status":"publish","type":"post","link":"https:\/\/anvilaw.com\/vi\/366-binh-luan-ve-lai-suat-bat-cap\/","title":{"rendered":"366. B\u00ecnh lu\u1eadn v\u1ec1 l\u00e3i su\u1ea5t b\u1ea5t c\u1eadp."},"content":{"rendered":"<em><strong>(ANVI) &#8211; Lu\u1eadt s\u01b0 Tr\u01b0\u01a1ng Thanh \u0110\u1ee9c, tr\u00ecnh b\u00e0y t\u1ea1i H\u1ed9i th\u1ea3o VIAC v\u1ec1 l\u00e3i \u0111\u1ed1i v\u1edbi v\u1ee5 vi\u1ec7c t\u1ea1i Tr\u1ecdng t\u00e0i tr\u1ef1c tuy\u1ebfn ng\u00e0y 01-7-2021.<br \/>\n<img loading=\"lazy\" decoding=\"async\" class=\"alignnone size-medium wp-image-1619 img-fluid img-fluid\" src=\"https:\/\/anvilaw.com\/wp-content\/uploads\/2021\/07\/1.-Tranh-tam-450x312.jpg\" alt=\"\" width=\"450\" height=\"312\" srcset=\"https:\/\/anvilaw.com\/wp-content\/uploads\/2021\/07\/1.-Tranh-tam-450x312.jpg 450w, https:\/\/anvilaw.com\/wp-content\/uploads\/2021\/07\/1.-Tranh-tam-1024x709.jpg 1024w, https:\/\/anvilaw.com\/wp-content\/uploads\/2021\/07\/1.-Tranh-tam-768x532.jpg 768w, https:\/\/anvilaw.com\/wp-content\/uploads\/2021\/07\/1.-Tranh-tam.jpg 1040w\" sizes=\"auto, (max-width: 450px) 100vw, 450px\" \/><br \/>\n<\/strong><\/em><\/p>\n<p><strong>1. So s\u00e1nh v\u1edbi To\u00e0:<\/strong><\/p>\n<p>1.1 Gi\u1ed1ng To\u00e0: Theo tho\u1ea3 thu\u1eadn \u0111\u00fang lu\u1eadt<\/p>\n<p>1.2. Kh\u00e1c To\u00e0: Ph\u1ea3i y\u00eau c\u1ea7u c\u1ee5 th\u1ec3 ph\u1ea7n tr\u0103m v\u00e0 th\u1eddi gian t\u00ednh.<\/p>\n<p><strong>2. Tr\u1ea7n l\u00e3i su\u1ea5t cho vay ng\u1eafn h\u1ea1n (hi\u1ec7n nay l\u00e0 &lt; 4,5%\/n\u0103m), v\u1edbi 2 \u0111i\u1ec1u ki\u1ec7n:<\/strong><\/p>\n<p>2.1. \u0110i\u1ec1u ki\u1ec7n c\u1ea7n l\u00e0 ch\u1ec9 trong 5 l\u0129nh v\u1ef1c nh\u1eb1m \u0111\u00e1p \u1ee9ng nhu c\u1ea7u v\u1ed1n theo kho\u1ea3n 2, \u0110i\u1ec1u 13 v\u1ec1 \u201cL\u00e3i su\u1ea5t cho vay\u201d, Th\u00f4ng t\u01b0 s\u1ed1 39\/2016\/TT-NHNN:<\/p>\n<ul>\n<li>Ph\u00e1t tri\u1ec3n n\u00f4ng nghi\u1ec7p, n\u00f4ng th\u00f4n;<\/li>\n<li>Kinh doanh h\u00e0ng xu\u1ea5t kh\u1ea9u;<\/li>\n<li>Doanh nghi\u1ec7p nh\u1ecf &amp; v\u1eeba;<\/li>\n<li>C\u00f4ng nghi\u1ec7p h\u1ed7 tr\u1ee3;<\/li>\n<li>C\u00f4ng ngh\u1ec7 cao.<\/li>\n<\/ul>\n<p>2.2. \u0110i\u1ec1u ki\u1ec7n \u0111\u1ee7 l\u00e0 ph\u1ea3i l\u00e0 doanh nghi\u1ec7p \u201cc\u00f3 t\u00ecnh h\u00ecnh t\u00e0i ch\u00ednh minh b\u1ea1ch, l\u00e0nh m\u1ea1nh\u201d, theo \u0110i\u1ec1u 7.12, Th\u00f4ng t\u01b0 39\/2016\/TT-NHNN.<\/p>\n<p>2.3. Nh\u01b0ng 3 n\u0103m nay, c\u00e1c To\u00e0 \u00e1n \u1edf H\u00e0 N\u1ed9i c\u1ee9 x\u1eed sai lu\u1eadt v\u1ec1 c\u00e1i tr\u1ea7n l\u00e3i cho vay M\u1ee5c V.1, C\u00f4ng v\u0103n s\u1ed1 2656\/CVTA-KT ng\u00e0y 01-11-2018.<\/p>\n<p><strong>3. Ph\u00ed cho vay:<\/strong><\/p>\n<p>3.1. Kh\u00f4ng b\u1ecb h\u1ea1n ch\u1ebf:<\/p>\n<ul>\n<li>Ph\u00ed th\u1ea9m \u0111\u1ecbnh t\u00e0i s\u1ea3n b\u1ea3o \u0111\u1ea3m 1 l\u1ea7n nh\u01b0ng t\u00ednh l\u00e3i su\u1ea5t theo th\u00e1ng?<\/li>\n<li>Ph\u00ed qu\u1ea3n l\u00fd t\u00e0i s\u1ea3n b\u1ea3o \u0111\u1ea3m trong tr\u01b0\u1eddng h\u1ee3p kh\u00f4ng qu\u1ea3n l\u00fd?<\/li>\n<li>Ph\u00ed ch\u1eadm tr\u1ea3 n\u1ee3?<\/li>\n<\/ul>\n<p>3.2. TCTD ch\u1ec9 \u0111\u01b0\u1ee3c thu 5 lo\u1ea1i ph\u00ed theo quy \u0111\u1ecbnh t\u1ea1i \u0110i\u1ec1u 14 v\u1ec1 \u201cPh\u00ed li\u00ean quan \u0111\u1ebfn ho\u1ea1t \u0111\u1ed9ng cho vay\u201d, Th\u00f4ng t\u01b0 39\/2016:<\/p>\n<ul>\n<li>Ph\u00ed tr\u1ea3 n\u1ee3 tr\u01b0\u1edbc h\u1ea1n:<\/li>\n<li>Ph\u00ed h\u1ea1n m\u1ee9c t\u00edn d\u1ee5ng d\u1ef1 ph\u00f2ng:<\/li>\n<li>Ph\u00ed thu x\u1ebfp cho vay h\u1ee3p v\u1ed1n:<\/li>\n<li>Ph\u00ed cam k\u1ebft r\u00fat v\u1ed1n:<\/li>\n<li>C\u00e1c lo\u1ea1i ph\u00ed kh\u00e1c \u0111\u01b0\u1ee3c ph\u00e1p lu\u1eadt quy \u0111\u1ecbnh c\u1ee5 th\u1ec3.<\/li>\n<\/ul>\n<p>3.3. B\u1ed9 lu\u1eadt D\u00e2n s\u1ef1 cho ph\u00e9p ph\u00ed tr\u1ea3 n\u1ee3 tr\u01b0\u1edbc h\u1ea1n = to\u00e0n b\u1ed9 l\u00e3i vay theo quy \u0111\u1ecbnh t\u1ea1i kho\u1ea3n 2, \u0110i\u1ec1u 470 v\u1ec1 \u201cTh\u1ef1c hi\u1ec7n h\u1ee3p \u0111\u1ed3ng vay c\u00f3 k\u1ef3 h\u1ea1n\u201d, B\u1ed9 lu\u1eadt D\u00e2n s\u1ef1 2015:<\/p>\n<p>\u201c<em>2. \u0110\u1ed1i v\u1edbi h\u1ee3p \u0111\u1ed3ng vay c\u00f3 k\u1ef3 h\u1ea1n v\u00e0 c\u00f3 l\u00e3i th\u00ec b\u00ean vay c\u00f3 quy\u1ec1n tr\u1ea3 l\u1ea1i t\u00e0i s\u1ea3n tr\u01b0\u1edbc k\u1ef3 h\u1ea1n, nh\u01b0ng ph\u1ea3i tr\u1ea3 to\u00e0n b\u1ed9 l\u00e3i theo k\u1ef3 h\u1ea1n, tr\u1eeb tr\u01b0\u1eddng h\u1ee3p c\u00f3 tho\u1ea3 thu\u1eadn kh\u00e1c ho\u1eb7c lu\u1eadt c\u00f3 quy \u0111\u1ecbnh kh\u00e1c<\/em>\u201d.<\/p>\n<p><strong>4. B\u1ea5t c\u1eadp, sai tr\u00e1i:<\/strong><\/p>\n<p>4.1. C\u1ea3 3 B\u1ed9 lu\u1eadt D\u00e2n s\u1ef1 \u0111\u1ec1u kh\u00f4ng h\u1ee3p l\u00fd v\u1ec1 l\u00e3i su\u1ea5t:<\/p>\n<ul>\n<li>BLDS 1995: L\u00e3i Ng\u00e2n h\u00e0ng l\u00e0 1, th\u00ec l\u00e3i b\u00ean ngo\u00e0i l\u00e0 1,5;<\/li>\n<li>BLDS 2005: L\u00e3i Ng\u00e2n h\u00e0ng l\u00e0 1, l\u00e3i b\u00ean ngo\u00e0i c\u0169ng l\u00e0 1, b\u1eb1ng nhau;<\/li>\n<li>BLDS 2015: L\u00e3i Ng\u00e2n h\u00e0ng l\u00e0 1 &#8211; 10 &#8211; 100, l\u00e3i b\u00ean ngo\u00e0i &lt; 20%.<\/li>\n<li>Ngh\u1ecb quy\u1ebft 01\/2019 l\u1ea5y l\u00e3i trung b\u00ecnh 3 ng\u00e2n h\u00e0ng v\u1edbi h\u1ee3p \u0111\u1ed3ng th\u01b0\u01a1ng m\u1ea1i c\u0169ng sai, kh\u00f4ng h\u1ee3p l\u00fd.<\/li>\n<\/ul>\n<p>4.2. Hi\u1ec3u s\u00f2ng ph\u1eb3ng \u0111\u00fang nguy\u00ean t\u1eafc chung v\u1ec1 ph\u00e1p lu\u1eadt, kinh t\u1ebf, th\u1ecb tr\u01b0\u1eddng, l\u00e3i su\u1ea5t th\u00ec:<\/p>\n<ul>\n<li>Tr\u1ea7n l\u00e3i ng\u00e2n h\u00e0ng ph\u1ea3i b\u1eb1ng &amp; th\u1ea5p h\u01a1n tr\u1ea7n chung.<\/li>\n<li>Ng\u00e2n h\u00e0ng c\u00f2n ph\u1ea3i c\u00f3 th\u00eam tr\u1ea7n n\u1eefa, v\u00ed d\u1ee5 tr\u1ea7n chung 20%, ng\u00e2n h\u00e0ng c\u00f3 tr\u1ea7n 4,5% nh\u01b0 tr\u00ean.<\/li>\n<li>T\u1ea5t nhi\u00ean ph\u1ea3i theo th\u1ecb tr\u01b0\u1eddng ch\u1ee9 kh\u00f4ng \u00e1p \u0111\u1eb7t ng\u01b0\u1ee3c, d\u1eabn \u0111\u1ebfn ng\u00e2n h\u00e0ng v\u00f9ng v\u1eaby v\u00e0 bu\u1ed9c ph\u1ea3i ch\u1ea5p nh\u1eadn v\u01b0\u1ee3t tr\u1ea7n nh\u01b0 hi\u1ec7n nay \u0111\u1ec3 s\u1eeda c\u00e1i sai c\u1ee7a BLDS.<\/li>\n<\/ul>\n<p>4.3. T\u00ednh l\u00e3i qu\u00e1 h\u1ea1n v\u00f4 l\u00fd:<\/p>\n<ul>\n<li>Th\u1ee9 nh\u1ea5t l\u00e0 =150% thay v\u00ec kh\u00f4ng qu\u00e1 50%.<\/li>\n<li>Qu\u00e1 h\u1ea1n = 150% trong h\u1ea1n. Trong h\u1ea1n 5%, qu\u00e1 h\u1ea1n = 7,5%. Trong h\u1ea1n 50%, qu\u00e1 h\u1ea1n = 75%.<\/li>\n<li>V\u00f4 l\u00fd nh\u1ea5t l\u00e0 ch\u1ec9 tr\u1ea7n v\u1edbi b\u00ean ngo\u00e0i, c\u00f2n ng\u00e2n h\u00e0ng kh\u00f4ng c\u00f3 tr\u1ea7n.<\/li>\n<\/ul>\n<p>4.4. \u00c1n l\u1ec7 08\/2016 &amp; NQ 01\/2019 kh\u00f4ng h\u1ee3p l\u00fd \u1edf ph\u1ea7n l\u00e3i ch\u1eadm thi h\u00e0nh \u00e1n v\u00ec:<\/p>\n<ul>\n<li>\u0110\u00e3 c\u00f3 ph\u00e1n quy\u1ebft r\u1ed3i, th\u00ec ch\u1ea5m d\u1ee9t m\u1ecdi tho\u1ea3 thu\u1eadn tr\u00ean \u0111\u1eddi. Kh\u00f4ng th\u1ebf ti\u1ebfp t\u1ee5c c\u00f4ng nh\u1eadn tho\u1ea3 thu\u1eadn theo H\u0110 \u0111\u00e3 ch\u1ea5m d\u1ee9t, \u0111\u00e3 h\u1ebft hi\u1ec7u l\u1ef1c.<\/li>\n<li>\u00c1n l\u1ec7 c\u00f2n v\u00f4 l\u00fd c\u1ef1c \u0111\u1ed9 \u1edf ch\u1ed7 c\u00f2n \u0111i\u1ec1u ch\u1ec9nh l\u00e3i theo H\u1ee3p \u0111\u1ed3ng \u0111\u00e3 kh\u00f4ng c\u00f2n t\u1ed3n t\u1ea1i tr\u00ean \u0111\u1eddi n\u1eefa.<\/li>\n<li>K\u00e9o d\u00e0i s\u1ef1 b\u1ea5t c\u00f4ng, sai tr\u00e1i gi\u1eefa tr\u1ea7n l\u00e3i n\u00f3i chung &amp; NH n\u00f3i ri\u00eang. Cho vay c\u1ea7m \u0111\u1ed3 20% &#8211; 30% &#8211; 10%. Cho vay t\u00e0i ch\u00ednh ti\u00eau d\u00f9ng c\u00f3 th\u1ec3 70% &#8211; 105% &#8211; 105%?<\/li>\n<li>Ch\u1ec9 c\u00f3 th\u1ec3 \u00e1p d\u1ee5ng \u1edf qu\u1ed1c gia n\u00e0o \u0111\u00f3, khi l\u00e3i su\u1ea5t tho\u1ea3 thu\u1eadn t\u1eeb \u0111\u1ea7u \u0111\u1ebfn cu\u1ed1i, m\u00e0 kh\u00f4ng c\u00f3 tr\u1ea7n l\u00e3i su\u1ea5t trong h\u1ea1n, tr\u1ea7n l\u00e3i su\u1ea5t qu\u00e1 h\u1ea1n &amp; tr\u1ea7n l\u00e3i su\u1ea5t ch\u1eadm thi h\u00e0nh \u00e1n nh\u01b0 ch\u00fang ta.<\/li>\n<\/ul>\n<p><strong>5. Ki\u1ebfn ngh\u1ecb:<\/strong><\/p>\n<p>5.1. S\u1eeda B\u1ed9 lu\u1eadt D\u00e2n s\u1ef1 2015, theo h\u01b0\u1edbng tr\u1ea7n l\u00e3i su\u1ea5t theo th\u1ecb tr\u01b0\u1eddng, t\u1ee9c xoay quanh l\u00e3i su\u1ea5t ng\u00e2n h\u00e0ng ho\u1eb7c tr\u1ea7n c\u1ed1 \u0111\u1ecbnh th\u00ec \u00edt nh\u1ea5t l\u00e0 30 &#8211; 50%.<\/p>\n<p>5.2. S\u1eeda Lu\u1eadt Th\u01b0\u01a1ng m\u1ea1i, b\u1ecf quy \u0111\u1ecbnh l\u1ea5y theo l\u00e3i qu\u00e1 h\u1ea1n trung b\u00ecnh tr\u00ean th\u1ecb tr\u01b0\u1eddng, n\u1ebfu kh\u00f4ng c\u00f3 c\u01a1 ch\u1ebf gi\u1ea3i quy\u1ebft m\u1ed9t c\u00e1ch h\u1ee3p l\u00fd.<\/p>\n<p>5.3. Hu\u1ef7 B\u1ecf \u00e1n l\u1ec7 08, v\u00ec \u0111\u00e3 thay b\u1eb1ng NQ 01\/2019.<\/p>\n<p>5.4 S\u1eeda NQ 01 theo h\u01b0\u1edbng kh\u00f4ng l\u1ea5y l\u00e3i b\u00ecnh qu\u00e2n 3 ng\u00e2n h\u00e0ngv\u00e0 l\u00e3i ch\u1eadm thi h\u00e0nh \u00e1n gi\u1ed1ng nhau (kh\u00f4ng qu\u00e1 10%\/n\u0103m ch\u1eb3ng h\u1ea1n).Ch\u1ec9 c\u00f3 th\u1ec3 th\u1eeba nh\u1eadn tho\u1ea3 thu\u1eadn l\u00e3i su\u1ea5t ch\u1eadm tr\u1ea3 sau khi c\u00f3 b\u1ea3n \u00e1n hay ph\u00e1n quy\u1ebft tr\u1ecdng t\u00e0i.\/.<\/p>\n<p><em>(881)<\/em>","protected":false},"excerpt":{"rendered":"<p>(ANVI) &#8211; Lu\u1eadt s\u01b0 Tr\u01b0\u01a1ng Thanh \u0110\u1ee9c, tr\u00ecnh b\u00e0y t\u1ea1i H\u1ed9i th\u1ea3o VIAC v\u1ec1 l\u00e3i \u0111\u1ed1i v\u1edbi v\u1ee5 vi\u1ec7c t\u1ea1i Tr\u1ecdng t\u00e0i tr\u1ef1c tuy\u1ebfn ng\u00e0y 01-7-2021. 1. So s\u00e1nh v\u1edbi To\u00e0: 1.1 Gi\u1ed1ng To\u00e0: Theo tho\u1ea3 thu\u1eadn \u0111\u00fang lu\u1eadt 1.2. Kh\u00e1c To\u00e0: Ph\u1ea3i y\u00eau c\u1ea7u c\u1ee5 th\u1ec3 ph\u1ea7n tr\u0103m v\u00e0 th\u1eddi gian t\u00ednh. 2. Tr\u1ea7n [&hellip;]<\/p>\n","protected":false},"author":2,"featured_media":1619,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":""},"categories":[18,26],"tags":[],"class_list":["post-1588","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-bao-chi-phong-van","category-legal-media"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.3 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>366. B\u00ecnh lu\u1eadn v\u1ec1 l\u00e3i su\u1ea5t b\u1ea5t c\u1eadp. - 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\/en\/tieng-viet-366-binh-luan-ve-lai-suat-bat-cap\/\" \/>\n<meta property=\"og:locale\" content=\"vi_VN\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"[:vi]366. B\u00ecnh lu\u1eadn v\u1ec1 l\u00e3i su\u1ea5t b\u1ea5t c\u1eadp.[:] - ANVI Law Firm\" \/>\n<meta property=\"og:description\" content=\"(ANVI) &#8211; Lu\u1eadt s\u01b0 Tr\u01b0\u01a1ng Thanh \u0110\u1ee9c, tr\u00ecnh b\u00e0y t\u1ea1i H\u1ed9i th\u1ea3o VIAC v\u1ec1 l\u00e3i \u0111\u1ed1i v\u1edbi v\u1ee5 vi\u1ec7c t\u1ea1i Tr\u1ecdng t\u00e0i tr\u1ef1c tuy\u1ebfn ng\u00e0y 01-7-2021. 1. So s\u00e1nh v\u1edbi To\u00e0: 1.1 Gi\u1ed1ng To\u00e0: Theo tho\u1ea3 thu\u1eadn \u0111\u00fang lu\u1eadt 1.2. 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