{"id":17539,"date":"2017-02-17T16:37:40","date_gmt":"2017-02-17T09:37:40","guid":{"rendered":"https:\/\/anvilaw.com\/vi\/?p=17539"},"modified":"2022-04-11T21:38:23","modified_gmt":"2022-04-11T14:38:23","slug":"1-519-ca-nhan-se-thay-ho-kinh-doanh-khi-vay-von-ngan-hang","status":"publish","type":"post","link":"https:\/\/anvilaw.com\/vi\/1-519-ca-nhan-se-thay-ho-kinh-doanh-khi-vay-von-ngan-hang\/","title":{"rendered":"1.519. C\u00e1 nh\u00e2n s\u1ebd thay h\u1ed9 kinh doanh khi vay v\u1ed1n ng\u00e2n h\u00e0ng"},"content":{"rendered":"(CAND) – Theo Th\u00f4ng t\u01b0 39\/2016\/TT-NHNN (Th\u00f4ng t\u01b0 39) c\u1ee7a Ng\u00e2n h\u00e0ng Nh\u00e0 n\u01b0\u1edbc (NHNN), t\u1eeb ng\u00e0y 15-3, quy \u0111\u1ecbnh v\u1ec1 ho\u1ea1t \u0111\u1ed9ng cho vay c\u1ee7a T\u1ed5 ch\u1ee9c t\u00edn d\u1ee5ng (TCTD) ch\u00ednh th\u1ee9c c\u00f3 hi\u1ec7u l\u1ef1c. Vi\u1ec7c thu g\u1ecdn ch\u1ec9 c\u00f2n hai \u0111\u1ed1i t\u01b0\u1ee3ng kh\u00e1ch h\u00e0ng l\u00e0 c\u00e1 nh\u00e2n v\u00e0 ph\u00e1p nh\u00e2n \u0111\u1ee7 \u0111i\u1ec1u ki\u1ec7n vay v\u1ed1n t\u1ea1i c\u00e1c ng\u00e2n h\u00e0ng th\u01b0\u01a1ng m\u1ea1i (NHTM) k\u1ef3 v\u1ecdng s\u1ebd x\u00f3a b\u1ecf t\u00ecnh tr\u1ea1ng r\u1eafc r\u1ed1i ph\u00e1p l\u00fd khi c\u00e1c \u201cch\u1ee7 th\u1ec3 \u1ea3o\u201d nh\u01b0 h\u1ed9 gia \u0111\u00ecnh, h\u1ed9 kinh doanh, t\u1ed5 h\u1ee3p t\u00e1c\u2026 kh\u00f4ng c\u00f2n \u0111\u1ee7 t\u01b0 c\u00e1ch ph\u00e1p l\u00fd giao d\u1ecbch vay v\u1ed1n t\u1ea1i NH.\u00a0<\/strong><\/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. \u0110\u1eb7c bi\u1ec7t, \u0111i\u1ec1u n\u00e0y g\u00e2y ra hi\u1ec3u l\u1ea7m h\u1ed9 kinh doanh s\u1ebd b\u1ecb \u201c\u00e9p\u201d n\u00e2ng c\u1ea5p th\u00e0nh doanh nghi\u1ec7p ho\u1eb7c s\u1ebd ph\u1ea3i vay v\u1ed1n ng\u00e2n h\u00e0ng v\u1edbi l\u00e3i su\u1ea5t cao nh\u01b0 vay ti\u00eau d\u00f9ng.<\/p>\n

Tuy nhi\u00ean, Lu\u1eadt s\u01b0 Tr\u01b0\u01a1ng Thanh \u0110\u1ee9c, Gi\u00e1m \u0111\u1ed1c C\u00f4ng ty Lu\u1eadt ANVI, cho r\u1eb1ng, \u0111\u00e2y l\u00e0 c\u00e1ch hi\u1ec3u kh\u00f4ng \u0111\u00fang. B\u1ecf ch\u1ee7 th\u1ec3 vay v\u1ed1n h\u1ed9 gia \u0111\u00ecnh (hay h\u1ed9 kinh doanh) 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.<\/em><\/p>\n

B\u1edfi, tr\u00ean th\u1ef1c t\u1ebf, ph\u00e1p lu\u1eadt c\u00e1c n\u01b0\u1edbc \u0111\u1ec1u quy \u0111\u1ecbnh ch\u1ec9 c\u00f3 hai 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 l\u00e0 ch\u1ee7 th\u1ec3 \u1ea3o, th\u1ef1c ch\u1ea5t l\u00e0 1 ho\u1eb7c m\u1ed9t nh\u00f3m c\u00e1 nh\u00e2n, v\u00ec v\u1eady b\u1ecb xo\u00e1 b\u1ecf kh\u1ecfi B\u1ed9 lu\u1eadt D\u00e2n s\u1ef1 n\u0103m 2015.<\/em><\/p>\n

\u0110\u1ed3ng th\u1eddi, \u0111\u1ec3 h\u00ecnh dung r\u00f5 h\u01a1n, th\u00ec c\u00f3 th\u1ec3 li\u00ean h\u1ec7 sang m\u1ed9t lo\u1ea1i ch\u1ee7 th\u1ec3 t\u01b0\u01a1ng t\u1ef1 l\u00e0 doanh nghi\u1ec7p t\u01b0 nh\u00e2n, c\u0169ng kh\u00f4ng c\u00f3 t\u01b0 c\u00e1ch ph\u00e1p nh\u00e2n, tuy nhi\u00ean, khi giao d\u1ecbch v\u1eabn \u201cx\u01b0ng danh\u201d doanh nghi\u1ec7p t\u01b0 nh\u00e2n. Nh\u01b0ng tr\u01b0\u1edbc \u0111\u00e2y hay hi\u1ec7n nay, v\u1ec1 b\u1ea3n ch\u1ea5t v\u1eabn l\u00e0 giao d\u1ecbch v\u1edbi c\u00e1 nh\u00e2n ch\u1ee7 doanh nghi\u1ec7p t\u01b0 nh\u00e2n. \u201cDo \u0111\u00f3 Th\u00f4ng t\u01b0 cho vay s\u1ed1 39\/2016\/TT-NHNN 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 n\u0103m 2015″, lu\u1eadt s\u01b0 Tr\u01b0\u01a1ng Thanh \u0110\u1ee9c nh\u1ea5n m\u1ea1nh.<\/em><\/p>\n

\u00d4ng Nguy\u1ec5n Minh T\u00e2m, Ph\u00f3 T\u1ed5ng gi\u00e1m \u0111\u1ed1c Sacombank cho r\u1eb1ng, nhi\u1ec1u kh\u00e1ch h\u00e0ng \u0111ang c\u00f3 nh\u1eefng b\u0103n kho\u0103n li\u00ean quan \u0111\u1ebfn Th\u00f4ng t\u01b0 39 v\u00e0 g\u00e2y ra nh\u1eefng hi\u1ec3u nh\u1ea7m kh\u00f4ng \u0111\u00e1ng c\u00f3. Nh\u1ea5t l\u00e0 c\u00e1ch ti\u1ebfp c\u1eadn Th\u00f4ng t\u01b0 39, m\u1ed9t s\u1ed1 ng\u01b0\u1eddi hi\u1ec3u r\u1eb1ng, v\u1edbi th\u00f4ng t\u01b0 n\u00e0y, c\u00e1c NH s\u1eafp t\u1edbi \u0111\u00e2y s\u1ebd kh\u00f4ng \u0111\u00e1p \u1ee9ng v\u1ed1n cho h\u1ed9 kinh doanh. Tuy nhi\u00ean, \u0111\u00e2y l\u00e0 s\u1ef1 nh\u1ea7m l\u1eabn v\u00ec theo th\u00f4ng t\u01b0 quy \u0111\u1ecbnh, c\u00e1c NH tuy kh\u00f4ng c\u00f2n cho vay h\u1ed9 kinh doanh nh\u01b0ng c\u00e1 nh\u00e2n c\u00f3 kinh doanh theo h\u00ecnh th\u1ee9c h\u1ed9 kinh doanh ho\u1eb7c l\u00e0 t\u1ef1 doanh v\u1eabn \u0111\u01b0\u1ee3c c\u00e1c NH cho vay v\u1ed1n.<\/p>\n

Theo gi\u1ea3i th\u00edch c\u1ee7a NHNN, vi\u1ec7c TCTD ti\u1ebfp t\u1ee5c k\u00fd h\u1ee3p \u0111\u1ed3ng cho vay v\u1edbi h\u1ed9 kinh doanh v\u00e0 c\u00e1c t\u1ed5 ch\u1ee9c kh\u00e1c kh\u00f4ng c\u00f3 t\u01b0 c\u00e1ch ph\u00e1p nh\u00e2n s\u1ebd ti\u1ec1m \u1ea9n r\u1ee7i ro cho TCTD cho vay v\u00ec c\u00f3 th\u1ec3 b\u1ecb tuy\u00ean v\u00f4 hi\u1ec7u h\u1ee3p \u0111\u1ed3ng do b\u00ean vay kh\u00f4ng \u0111\u1ee7 t\u01b0 c\u00e1ch ch\u1ee7 th\u1ec3. Do v\u1eady, m\u1ed9t s\u1ed1 l\u00e3nh \u0111\u1ea1o ng\u00e2n h\u00e0ng TMCP cho r\u1eb1ng, quy \u0111\u1ecbnh m\u1edbi c\u1ee7a Th\u00f4ng t\u01b0 39 v\u00e0 B\u1ed9 lu\u1eadt D\u00e2n s\u1ef1 2015 s\u1ebd t\u1ea1o thu\u1eadn l\u1ee3i h\u01a1n cho c\u00e1c ng\u00e2n h\u00e0ng trong vi\u1ec7c k\u00fd k\u1ebft h\u1ee3p \u0111\u1ed3ng vay v\u1ed1n c\u0169ng nh\u01b0 \u0111\u00f2i n\u1ee3.<\/p>\n

V\u00ed d\u1ee5, tr\u01b0\u1edbc \u0111\u00e2y, \u0111\u1ea1i di\u1ec7n t\u1ed5 h\u1ee3p t\u00e1c hay h\u1ed9 gia \u0111\u00ecnh \u0111\u1ee9ng ra vay v\u1ed1n, th\u00ec t\u1ea5t c\u1ea3 th\u00e0nh vi\u00ean ph\u1ea3i li\u00ean \u0111\u1edbi ch\u1ecbu tr\u00e1ch nhi\u1ec7m, song khi n\u1ee3 x\u1ea5u x\u1ea3y ra, c\u00e1c th\u00e0nh vi\u00ean ph\u1ee7 nh\u1eadn tr\u00e1ch nhi\u1ec7m khi\u1ebfn s\u1ef1 vi\u1ec7c k\u00e9o d\u00e0i. Trong khi n\u1ebfu k\u00fd h\u1ee3p \u0111\u1ed3ng v\u1edbi c\u00e1 nh\u00e2n, s\u1ef1 vi\u1ec7c d\u1ec5 x\u1eed l\u00fd h\u01a1n.<\/p>\n

Ph\u00eda NHNN c\u0169ng kh\u1eb3ng \u0111\u1ecbnh r\u1eb1ng theo quy \u0111\u1ecbnh t\u1ea1i B\u1ed9 lu\u1eadt D\u00e2n s\u1ef1 2015, t\u1eeb 1-1-2017, h\u1ed9 kinh doanh kh\u00f4ng c\u00f2n l\u00e0 ch\u1ee7 th\u1ec3 k\u00fd k\u1ebft t\u1ea5t c\u1ea3 c\u00e1c lo\u1ea1i h\u1ee3p \u0111\u1ed3ng (kh\u00f4ng ch\u1ec9 ri\u00eang \u0111\u1ed1i v\u1edbi h\u1ee3p \u0111\u1ed3ng t\u00edn d\u1ee5ng ng\u00e2n h\u00e0ng). Vi\u1ec7c vay v\u1ed1n ng\u00e2n h\u00e0ng s\u1ebd ph\u1ea3i th\u1ef1c hi\u1ec7n theo t\u01b0 c\u00e1ch c\u00e1 nh\u00e2n. Th\u00f4ng t\u01b0 39 \u0111\u00e3 c\u00f3 quy \u0111\u1ecbnh n\u00e0y v\u00e0 kh\u00f4ng c\u00f3 b\u1ea5t k\u1ef3 quy \u0111\u1ecbnh n\u00e0o bu\u1ed9c h\u1ed9 kinh doanh ph\u1ea3i th\u00e0nh l\u1eadp doanh nghi\u1ec7p \u0111\u1ec3 vay v\u1ed1n.<\/p>\n

Li\u00ean quan \u0111\u1ebfn l\u00e3i su\u1ea5t cho vay khi kh\u00e1ch h\u00e0ng chuy\u1ec3n t\u1eeb \u201ch\u1ed9 gia \u0111\u00ecnh\u201d sang c\u00e1 nh\u00e2n, NHNN kh\u1eb3ng \u0111\u1ecbnh, v\u1ea5n \u0111\u1ec1 n\u00e0y ho\u00e0n to\u00e0n 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 gi\u1ed1ng nh\u01b0 tr\u01b0\u1edbc \u0111\u00e2y.<\/p>\n

“Theo quy \u0111\u1ecbnh c\u1ee7a BLDS 2015 v\u00e0 Th\u00f4ng t\u01b0 39, tr\u00e1ch nhi\u1ec7m ho\u00e0n tr\u1ea3 v\u1ed1n vay l\u00e0 c\u1ee7a c\u00e1 nh\u00e2n vay v\u1ed1n. Vi\u1ec7c vay v\u1ed1n c\u1ee7a c\u00e1 nh\u00e2n kh\u00f4ng r\u00e0ng bu\u1ed9c tr\u00e1ch nhi\u1ec7m c\u1ee7a h\u1ed9 kinh doanh”. \u0110\u1ed3ng th\u1eddi, c\u00e1c ng\u00e2n h\u00e0ng th\u01b0\u01a1ng m\u1ea1i cho bi\u1ebft, l\u00e3i su\u1ea5t cho vay \u0111\u01b0\u1ee3c c\u0103n c\u1ee9 v\u00e0o m\u1ee5c \u0111\u00edch s\u1eed d\u1ee5ng v\u00e0 m\u1ee9c \u0111\u1ed9 r\u1ee7i ro ch\u1ee9 kh\u00f4ng ph\u1ea3i c\u0103n c\u1ee9 theo c\u00e1 nh\u00e2n hay h\u1ed9 gia \u0111\u00ecnh.<\/p>\n

H\u1ed9 kinh doanh l\u00e2u nay v\u1eabn l\u00e0 \u0111\u1ed1i t\u01b0\u1ee3ng c\u1ee7a c\u00e1c ng\u00e2n h\u00e0ng, n\u00ean ch\u1eafc ch\u1eafn v\u1eabn s\u1ebd \u0111\u01b0\u1ee3c \u01b0u \u0111\u00e3i l\u00e3i su\u1ea5t th\u1eddi gian t\u1edbi. B\u1edfi, th\u1ed1ng k\u00ea s\u01a1 b\u1ed9 c\u1ee7a Ph\u00f2ng Th\u01b0\u01a1ng m\u1ea1i v\u00e0 C\u00f4ng nghi\u1ec7p Vi\u1ec7t Nam (VCCI), hi\u1ec7n tr\u00ean c\u1ea3 n\u01b0\u1edbc c\u00f3 kho\u1ea3ng 5,6 tri\u1ec7u h\u1ed9 kinh doanh. \u0110\u00e2y l\u00e0 m\u1ed9t ph\u00e2n kh\u00fac kh\u00e1 ti\u1ec1m n\u0103ng tr\u00ean th\u1ecb tr\u01b0\u1eddng.<\/p>\n

L\u01b0u Hi\u1ec7p<\/strong><\/p>\n

————<\/p>\n

C\u00f4ng<\/em><\/strong> an nh\u00e2n d\u00e2n (Th\u1ecb tr\u01b0\u1eddng) 17-02-2017:<\/em><\/strong><\/p>\n

http:\/\/cand.com.vn\/tai-chinh-ngan-hang\/Ca-nhan-se-thay-ho-kinh-doanh-khi-vay-von-ngan-hang-428762\/<\/a><\/em><\/p>\n

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

(CAND) – Theo Th\u00f4ng t\u01b0 39\/2016\/TT-NHNN (Th\u00f4ng t\u01b0 39) c\u1ee7a Ng\u00e2n h\u00e0ng Nh\u00e0 n\u01b0\u1edbc (NHNN), t\u1eeb ng\u00e0y 15-3, quy \u0111\u1ecbnh v\u1ec1 ho\u1ea1t \u0111\u1ed9ng cho vay c\u1ee7a T\u1ed5 ch\u1ee9c t\u00edn d\u1ee5ng (TCTD) ch\u00ednh th\u1ee9c c\u00f3 hi\u1ec7u l\u1ef1c. Vi\u1ec7c thu g\u1ecdn ch\u1ec9 c\u00f2n hai \u0111\u1ed1i t\u01b0\u1ee3ng kh\u00e1ch h\u00e0ng l\u00e0 c\u00e1 nh\u00e2n v\u00e0 ph\u00e1p nh\u00e2n \u0111\u1ee7 \u0111i\u1ec1u ki\u1ec7n […]<\/p>\n","protected":false},"author":2,"featured_media":17540,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":""},"categories":[27,26],"tags":[],"class_list":["post-17539","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-interviews","category-legal-media"],"acf":[],"yoast_head":"\n1.519. 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