{"id":17167,"date":"2017-02-17T16:51:47","date_gmt":"2017-02-17T09:51:47","guid":{"rendered":"https:\/\/anvilaw.com\/vi\/?p=17167"},"modified":"2022-04-05T17:01:31","modified_gmt":"2022-04-05T10:01:31","slug":"1-521-loi-ich-nguoi-di-vay-van-duoc-dam-bao","status":"publish","type":"post","link":"https:\/\/anvilaw.com\/vi\/1-521-loi-ich-nguoi-di-vay-van-duoc-dam-bao\/","title":{"rendered":"1.521. \u00a0L\u1ee3i \u00edch ng\u01b0\u1eddi \u0111i vay v\u1eabn \u0111\u01b0\u1ee3c \u0111\u1ea3m b\u1ea3o"},"content":{"rendered":"<strong>(TBNH) &#8211; Th\u00f4ng t\u01b0 s\u1ed1 39 b\u1ecf ch\u1ee7 th\u1ec3 vay v\u1ed1n \u201ch\u1ed9 gia \u0111\u00ecnh\u201d l\u00e0 \u0111\u00fang, ph\u00f9 h\u1ee3p v\u1edbi B\u1ed9 lu\u1eadt D\u00e2n s\u1ef1 m\u1edbi. Vi\u1ec7c b\u1ecf ch\u1ee7 th\u1ec3 vay v\u1ed1n h\u1ed9 gia \u0111\u00ecnh th\u1ef1c ch\u1ea5t ch\u1ec9 l\u00e0 thay \u0111\u1ed5i c\u00e1i v\u1ecf h\u00ecnh th\u1ee9c l\u00e0 t\u00ean g\u1ecdi. C\u00f2n b\u1ea3n ch\u1ea5t th\u00ec v\u1eabn c\u01a1 b\u1ea3n nh\u01b0 c\u0169.<\/strong><\/p>\n<table width=\"339\">\n<tbody>\n<tr>\n<td><img loading=\"lazy\" decoding=\"async\" class=\"alignnone size-medium wp-image-17164 img-fluid img-fluid\" src=\"https:\/\/anvilaw.com\/wp-content\/uploads\/2022\/04\/1520.2-450x311.png\" alt=\"\" width=\"450\" height=\"311\" srcset=\"https:\/\/anvilaw.com\/wp-content\/uploads\/2022\/04\/1520.2-450x311.png 450w, https:\/\/anvilaw.com\/wp-content\/uploads\/2022\/04\/1520.2.png 627w\" sizes=\"auto, (max-width: 450px) 100vw, 450px\" \/><\/td>\n<\/tr>\n<tr>\n<td><em>\u00d4ng Tr\u01b0\u01a1ng Thanh \u0110\u1ee9c,\u00a0<\/em><em>Gi\u00e1m \u0111\u1ed1c C\u00f4ng ty Lu\u1eadt TNHH ANVI<\/em><\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<p>NHNN v\u1eeba ban h\u00e0nh Th\u00f4ng t\u01b0 s\u1ed1 39\/2016\/TT-NHNN quy \u0111\u1ecbnh vi\u1ec7c cho vay c\u1ee7a c\u00e1c TCTD \u0111\u1ed1i v\u1edbi kh\u00e1ch h\u00e0ng. Theo quy \u0111\u1ecbnh m\u1edbi t\u1ea1i Th\u00f4ng t\u01b0 n\u00e0y ch\u1ee7 th\u1ec3 tham vay v\u1ed1n ch\u1ec9 c\u00f3 c\u00e1 nh\u00e2n, ph\u00e1p nh\u00e2n. Quy \u0111\u1ecbnh n\u00e0y kh\u00e1c v\u1edbi tr\u01b0\u1edbc \u0111\u00e2y bao g\u1ed3m c\u1ea3 c\u00e1c h\u1ed9 gia \u0111\u00ecnh, h\u1ed9 kinh doanh. V\u00ec v\u1eady, nhi\u1ec1u \u00fd ki\u1ebfn b\u0103n kho\u0103n, t\u1eeb ng\u00e0y 15\/3 &#8211; ng\u00e0y Th\u00f4ng t\u01b0 39 c\u00f3 hi\u1ec7u l\u1ef1c th\u00ec c\u00e1c h\u1ed9 gia \u0111\u00ecnh, h\u1ed9 kinh doanh s\u1ebd kh\u00f4ng \u0111\u01b0\u1ee3c vay v\u1ed1n. Hi\u1ec3u nh\u01b0 v\u1eady c\u00f3 \u0111\u00fang hay kh\u00f4ng?<\/p>\n<p>Trao \u0111\u1ed5i v\u1edbi ph\u00f3ng vi\u00ean, Lu\u1eadt s\u01b0 Tr\u01b0\u01a1ng Thanh \u0110\u1ee9c,\u00a0<em>Gi\u00e1m \u0111\u1ed1c C\u00f4ng ty Lu\u1eadt TNHH ANVI<\/em>\u00a0cho bi\u1ebft: \u0110\u00fang l\u00e0 theo B\u1ed9 lu\u1eadt D\u00e2n s\u1ef1 c\u0169 quy \u0111\u1ecbnh r\u1ea5t nhi\u1ec1u c\u00e1c lo\u1ea1i ch\u1ee7 th\u1ec3 giao d\u1ecbch ngo\u00e0i c\u00e1 nh\u00e2n, ph\u00e1p nh\u00e2n th\u00ec c\u00f2n c\u00f3 h\u1ed9 gia \u0111\u00ecnh, h\u1ed9 kinh doanh, h\u1ee3p t\u00e1c x\u00e3, DN t\u01b0 nh\u00e2n. Hi\u1ec7n t\u1ea1i B\u1ed9 lu\u1eadt D\u00e2n s\u1ef1 m\u1edbi (c\u00f3 hi\u1ec7u l\u1ef1c t\u1eeb 2017) ch\u1ec9 th\u1eeba nh\u1eadn hai ch\u1ee7 th\u1ec3 l\u00e0 c\u00e1 nh\u00e2n v\u00e0 ph\u00e1p nh\u00e2n. T\u1ea5t nhi\u00ean, n\u00f3i nh\u01b0 v\u1eady kh\u00f4ng c\u00f3 ngh\u0129a nh\u1eefng \u0111\u1ed1i t\u01b0\u1ee3ng tr\u00ean bi\u1ebfn m\u1ea5t m\u00e0 v\u1eabn \u0111\u01b0\u1ee3c ghi nh\u1eadn \u1edf trong Lu\u1eadt \u0110\u1ea5t \u0111ai, Lu\u1eadt Doanh nghi\u1ec7p, Lu\u1eadt H\u1ee3p t\u00e1c x\u00e3. Ch\u00fang ta v\u1eabn ph\u1ea3i th\u1eeba nh\u1eadn \u0111\u1ea5y l\u00e0 m\u1ed9t th\u1ef1c th\u1ec3 v\u00e0 \u0111\u01b0\u1ee3c Nh\u00e0 n\u01b0\u1edbc c\u00f4ng nh\u1eadn.<\/p>\n<p><em>N\u00f3i nh\u01b0 v\u1eady, quy \u0111\u1ecbnh tr\u00ean t\u1ea1i Th\u00f4ng t\u01b0 39 l\u00e0 \u0111\u00fang?<\/em><\/p>\n<p>\u0110\u00fang v\u1eady. Th\u00f4ng t\u01b0 s\u1ed1 39 b\u1ecf ch\u1ee7 th\u1ec3 vay v\u1ed1n \u201ch\u1ed9 gia \u0111\u00ecnh\u201d l\u00e0 \u0111\u00fang, ph\u00f9 h\u1ee3p v\u1edbi B\u1ed9 lu\u1eadt D\u00e2n s\u1ef1 m\u1edbi. Vi\u1ec7c b\u1ecf ch\u1ee7 th\u1ec3 vay v\u1ed1n h\u1ed9 gia \u0111\u00ecnh th\u1ef1c ch\u1ea5t ch\u1ec9 l\u00e0 thay \u0111\u1ed5i c\u00e1i v\u1ecf h\u00ecnh th\u1ee9c l\u00e0 t\u00ean g\u1ecdi. C\u00f2n b\u1ea3n ch\u1ea5t th\u00ec v\u1eabn c\u01a1 b\u1ea3n nh\u01b0 c\u0169. Kh\u00e1c l\u00e0, t\u1eeb n\u0103m 2017 tr\u1edf \u0111i, h\u1ed9 gia \u0111\u00ecnh, h\u1ed9 kinh doanh 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 n\u1eefa.<\/p>\n<p><em>\u00d4ng c\u00f3 th\u1ec3 n\u00f3i r\u00f5 h\u01a1n v\u1ec1 v\u1ea5n \u0111\u1ec1 n\u00e0y?<\/em><\/p>\n<p>C\u00f3 ngh\u0129a l\u00e0 tr\u01b0\u1edbc \u0111\u00e2y \u0111\u1ed1i v\u1edbi h\u1ed9 gia \u0111\u00ecnh hay kinh doanh, c\u00f3 th\u1ec3 ch\u1ec9 c\u1ea7n ch\u1ee7 h\u1ed9 gia \u0111\u00ecnh ho\u1eb7c ch\u1ee7 h\u1ed9 kinh doanh \u0111\u1ea1i di\u1ec7n h\u1ed9 k\u00fd h\u1ee3p \u0111\u1ed3ng v\u1edbi NH. Nh\u01b0ng gi\u1edd theo quy \u0111\u1ecbnh m\u1edbi th\u00ec n\u1ebfu h\u1ed9 gia \u0111\u00ecnh hay h\u1ed9 kinh doanh c\u00f3 m\u1ed9t th\u00e0nh vi\u00ean th\u00ec ch\u1ec9 c\u1ea7n m\u1ed9t ng\u01b0\u1eddi duy nh\u1ea5t k\u00fd h\u1ee3p \u0111\u1ed3ng v\u1edbi NH. C\u00f2n n\u1ebfu h\u1ed9 \u0111\u00f3 c\u00f3 3 hay 5 th\u00e0nh vi\u00ean th\u00ec t\u1ea5t c\u1ea3 c\u00e1c th\u00e0nh vi\u00ean \u0111\u1ec1u ph\u1ea3i k\u00fd.<\/p>\n<p>Ho\u1eb7c m\u1ed9t ng\u01b0\u1eddi \u0111\u1ee9ng t\u00ean \u0111\u1ebfn k\u00fd h\u1ee3p \u0111\u1ed3ng v\u1edbi NH v\u00e0 nh\u1eefng ng\u01b0\u1eddi kh\u00e1c c\u00f3 gi\u1ea5y \u1ee7y quy\u1ec1n cho ng\u01b0\u1eddi \u0111\u00f3 k\u00fd. T\u00f4i cho r\u1eb1ng thay \u0111\u1ed5i ch\u1ec9 \u0111\u1ec3 chu\u1ea9n h\u00f3a v\u1ec1 m\u1eb7t ph\u00e1p l\u00fd cho \u0111\u00fang quy \u0111\u1ecbnh c\u1ee7a B\u1ed9 lu\u1eadt D\u00e2n s\u1ef1 ph\u00f9 h\u1ee3p v\u1edbi th\u00f4ng l\u1ec7 qu\u1ed1c t\u1ebf. B\u1ea3n ch\u1ea5t v\u1ec1 giao d\u1ecbch, l\u1ee3i \u00edch c\u1ee7a c\u00e1c b\u00ean n\u00f3i chung kh\u00f4ng b\u1ecb \u1ea3nh h\u01b0\u1edfng.<\/p>\n<p><em>V\u1eady khi chuy\u1ec3n sang t\u01b0 c\u00e1ch ph\u00e1p nh\u00e2n k\u00fd h\u1ee3p \u0111\u1ed3ng vay v\u1ed1n, theo \u00f4ng vi\u1ec7c n\u00e0y c\u00f3 kh\u00f3 kh\u0103n g\u00ec cho c\u00e1c \u0111\u1ed1i t\u01b0\u1ee3ng tr\u00ean kh\u00f4ng. C\u00e1c quy\u1ec1n l\u1ee3i chuy\u1ec3n t\u1eeb h\u1ed9 sang c\u00e1 nh\u00e2n li\u1ec7u c\u00f3 v\u01b0\u1edbng m\u1eafc g\u00ec kh\u00f4ng?<\/em><\/p>\n<p>Theo quy \u0111\u1ecbnh t\u1eeb tr\u01b0\u1edbc \u0111\u1ebfn nay c\u1ee7a NH ch\u1ec9 c\u00f3 hai h\u00ecnh th\u1ee9c vay ch\u00ednh l\u00e0 cho vay kinh doanh v\u00e0 cho vay ti\u00eau d\u00f9ng. V\u1edbi DN th\u01b0\u1eddng l\u00e0 cho vay kinh doanh, c\u00f2n c\u00e1 nh\u00e2n th\u00ec c\u00f3 th\u1ec3 l\u00e0 kinh doanh ho\u1eb7c ti\u00eau d\u00f9ng. N\u1ebfu cho vay ti\u00eau d\u00f9ng th\u00ec NHNN \u0111\u00e3 c\u00f3 quy \u0111\u1ecbnh c\u01a1 ch\u1ebf ri\u00eang t\u1ea1i Th\u00f4ng t\u01b0 43. C\u00f2n n\u1ebfu nh\u01b0 h\u1ed9 c\u00e1 nh\u00e2n kinh doanh th\u00ec \u0111\u01b0\u01a1ng nhi\u00ean v\u1eabn c\u1ee9 th\u1ef1c hi\u1ec7n theo nh\u1eefng quy \u0111\u1ecbnh v\u1ec1 \u0111i\u1ec1u ki\u1ec7n kinh doanh th\u00f4ng th\u01b0\u1eddng nh\u01b0 uy t\u00edn, v\u1ec1 kh\u1ea3 n\u0103ng tr\u1ea3 n\u1ee3, t\u00e0i s\u1ea3n b\u1ea3o \u0111\u1ea3m\u2026 Do \u0111\u00f3, s\u1ebd kh\u00f4ng \u1ea3nh h\u01b0\u1edfng g\u00ec \u0111\u1ebfn l\u00e3i su\u1ea5t, hay kh\u1ea3 n\u0103ng vay v\u1ed1n c\u1ee7a \u0111\u1ed1i t\u01b0\u1ee3ng kh\u00e1ch h\u00e0ng tr\u00ean.<\/p>\n<p><em>Theo \u00f4ng, nh\u1eefng \u0111\u01a1n v\u1ecb ho\u1eb7c c\u01a1 quan n\u00e0o s\u1ebd c\u00f3 tr\u00e1ch nhi\u1ec7m trong vi\u1ec7c h\u01b0\u1edbng d\u1eabn h\u1ed9 kinh doanh (hi\u1ec7n kho\u1ea3ng 5,6 tri\u1ec7u) th\u1ef1c hi\u1ec7n theo \u0111\u00fang quy \u0111\u1ecbnh?<\/em><\/p>\n<p>\u0110\u1ed1i v\u1edbi h\u1ed9 kinh doanh li\u00ean quan \u0111\u1ebfn r\u1ea5t nhi\u1ec1u c\u01a1 quan qu\u1ea3n l\u00fd nh\u01b0 B\u1ed9 T\u00e0i ch\u00ednh theo d\u00f5i v\u1ec1 thu\u1ebf, B\u1ed9 K\u1ebf ho\u1ea1ch v\u00e0 \u0110\u1ea7u t\u01b0 th\u00ec c\u1ea5p ph\u00e9p. Ngo\u00e0i ra li\u00ean quan \u0111\u1ebfn nhi\u1ec1u c\u00e1c giao d\u1ecbch kh\u00e1c th\u00ec ph\u1ea3i l\u00e0 B\u1ed9 lu\u1eadt T\u01b0 ph\u00e1p v\u00e0 B\u1ed9 lu\u1eadt D\u00e2n s\u1ef1 h\u01b0\u1edbng d\u1eabn\u2026<\/p>\n<p>Hi\u1ec7n nay m\u1edbi ch\u1ec9 \u0111\u1ec1 c\u1eadp \u0111\u1ebfn vi\u1ec7c vay v\u1ed1n NH th\u00f4i, c\u00f2n trong r\u1ea5t nhi\u1ec1u quan h\u1ec7 li\u00ean quan \u0111\u1ebfn nh\u1eefng \u0111\u1ea1o lu\u1eadt kh\u00e1c. V\u00ec v\u1eady, t\u00f4i cho r\u1eb1ng, v\u1eabn c\u1ea7n c\u00f3 nh\u1eefng gi\u1ea3i th\u00edch ch\u00ednh th\u1ee9c c\u1ee7a c\u01a1 quan c\u00f3 th\u1ea9m quy\u1ec1n \u0111\u1ec3 nh\u1eefng ng\u01b0\u1eddi d\u00e2n, \u0111\u1ed1i t\u00e1c, c\u00e1c c\u01a1 quan qu\u1ea3n l\u00fd n\u1eafm b\u1eaft, th\u1ed1ng nh\u1ea5t \u0111\u1ec3 th\u1ef1c hi\u1ec7n m\u1ed9t c\u00e1ch \u0111\u1ed3ng b\u1ed9, tr\u00e1nh t\u00ecnh tr\u1ea1ng m\u1ed7i n\u01a1i s\u1ebd hi\u1ec3u m\u1ed9t ki\u1ec3u, d\u1eabn \u0111\u1ebfn nh\u1eefng r\u1ee7i ro ph\u00e1p l\u00fd, \u1ea3nh h\u01b0\u1edfng \u0111\u1ebfn giao d\u1ecbch d\u00e2n s\u1ef1 th\u00f4ng th\u01b0\u1eddng.<\/p>\n<p><em>Xin c\u1ea3m \u01a1n \u00f4ng!<\/em><\/p>\n<p><strong>Nguy\u1ec5n V\u0169 th\u1ef1c hi\u1ec7n<\/strong><\/p>\n<p><em>\u2014\u2014\u2014\u2014\u2014-<\/em><\/p>\n<p><strong><em>Th\u1eddi b\u00e1o Ng\u00e2n h\u00e0ng (T\u00e0i ch\u00ednh \u2013 Ng\u00e2n h\u00e0ng) 17-02-2017:<\/em><\/strong><\/p>\n<p><em><a href=\"http:\/\/thoibaonganhang.vn\/loi-ich-nguoi-di-vay-van-duoc-dam-bao-59426.html\">http:\/\/thoibaonganhang.vn\/loi-ich-nguoi-di-vay-van-duoc-dam-bao-59426.html<\/a><\/em><\/p>\n<p><em>(912\/912)<\/em>","protected":false},"excerpt":{"rendered":"<p>(TBNH) &#8211; Th\u00f4ng t\u01b0 s\u1ed1 39 b\u1ecf ch\u1ee7 th\u1ec3 vay v\u1ed1n \u201ch\u1ed9 gia \u0111\u00ecnh\u201d l\u00e0 \u0111\u00fang, ph\u00f9 h\u1ee3p v\u1edbi B\u1ed9 lu\u1eadt D\u00e2n s\u1ef1 m\u1edbi. Vi\u1ec7c b\u1ecf ch\u1ee7 th\u1ec3 vay v\u1ed1n h\u1ed9 gia \u0111\u00ecnh th\u1ef1c ch\u1ea5t ch\u1ec9 l\u00e0 thay \u0111\u1ed5i c\u00e1i v\u1ecf h\u00ecnh th\u1ee9c l\u00e0 t\u00ean g\u1ecdi. C\u00f2n b\u1ea3n ch\u1ea5t th\u00ec v\u1eabn c\u01a1 b\u1ea3n nh\u01b0 c\u0169. 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