{"id":17732,"date":"2016-08-04T15:43:31","date_gmt":"2016-08-04T08:43:31","guid":{"rendered":"https:\/\/anvilaw.com\/vi\/?p=17732"},"modified":"2022-04-13T18:18:54","modified_gmt":"2022-04-13T11:18:54","slug":"1-241-cong-bo-tai-san-phai-dam-bao-loi-ich-dn-va-nguoi-dan","status":"publish","type":"post","link":"https:\/\/anvilaw.com\/vi\/1-241-cong-bo-tai-san-phai-dam-bao-loi-ich-dn-va-nguoi-dan\/","title":{"rendered":"1.241. C\u00f4ng b\u1ed1 t\u00e0i s\u1ea3n: Ph\u1ea3i \u0111\u1ea3m b\u1ea3o l\u1ee3i \u00edch DN v\u00e0 ng\u01b0\u1eddi d\u00e2n"},"content":{"rendered":"

(TBNH) – Vi\u1ec7c c\u00f4ng b\u1ed1 c\u00e1c d\u1ef1 \u00e1n B\u0110S th\u1ebf ch\u1ea5p t\u1ea1i NH c\u1ee7a c\u00e1c S\u1edf TN&MT n\u00ean \u0111\u01b0\u1ee3c th\u1ef1c hi\u1ec7n minh b\u1ea1ch, c\u00f3 h\u1ec7 th\u1ed1ng \u0111\u1ecbnh k\u1ef3 t\u1eebng qu\u00fd ho\u1eb7c theo n\u0103m. Theo \u0111\u00f3 th\u00f4ng tin c\u00e1c d\u1ef1 \u00e1n B\u0110S s\u1ebd \u0111\u1ebfn v\u1edbi ng\u01b0\u1eddi mua nh\u00e0, nh\u00e0 \u0111\u1ea7u t\u01b0 v\u00e0 c\u1ea3 c\u00e1c nh\u00e0 qu\u1ea3n l\u00fd m\u1ed9t c\u00e1ch minh b\u1ea1ch nh\u1ea5t.<\/strong><\/p>\n

S\u1ef1 vi\u1ec7c 111 d\u1ef1 \u00e1n B\u0110S \u0111ang th\u1ebf ch\u1ea5p NH \u0111\u01b0\u1ee3c ch\u00ednh quy\u1ec1n TP.HCM v\u00e0 H\u00e0 N\u1ed9i c\u00f4ng b\u1ed1 trong th\u00e1ng 7 v\u1eeba qua nh\u1eb1m minh b\u1ea1ch h\u00f3a th\u00f4ng tin tr\u00ean th\u1ecb tr\u01b0\u1eddng. Tuy nhi\u00ean nhi\u1ec1u \u00fd ki\u1ebfn cho r\u1eb1ng vi\u1ec7c c\u00f4ng b\u1ed1 t\u00e0i s\u1ea3n c\u1ee7a DN c\u1ea7n ph\u1ea3i \u0111\u1ea7y \u0111\u1ee7 v\u00e0 k\u1ecbp th\u1eddi \u0111\u1ec3 kh\u00f4ng t\u00e1c \u0111\u1ed9ng x\u1ea5u l\u00ean c\u00e1c th\u1ef1c th\u1ec3 tr\u00ean th\u1ecb tr\u01b0\u1eddng.<\/p>\n

Minh b\u1ea1ch th\u00f4ng tin d\u1ef1 \u00e1n cho ng\u01b0\u1eddi mua nh\u00e0<\/strong><\/p>\n

\u00d4ng L\u00ea Ho\u00e0ng Ch\u00e2u, Ch\u1ee7 t\u1ecbch Hi\u1ec7p h\u1ed9i B\u0110S TP.HCM (HoREA) nh\u00ecn nh\u1eadn, trong qu\u00e1 tr\u00ecnh s\u1ea3n xu\u1ea5t kinh doanh, vi\u1ec7c DN th\u1ebf ch\u1ea5p, gi\u1ea3i ch\u1ea5p t\u00e0i s\u1ea3n \u0111\u1ec3 vay v\u1ed1n l\u00e0m \u0103n l\u00e0 ho\u1ea1t \u0111\u1ed9ng b\u00ecnh th\u01b0\u1eddng. L\u0129nh v\u1ef1c B\u0110S c\u0169ng kh\u00f4ng ph\u1ea3i l\u00e0 ngo\u1ea1i l\u1ec7 v\u00ec th\u1ebf vi\u1ec7c ch\u1ee7 \u0111\u1ea7u t\u01b0 th\u1ebf ch\u1ea5p d\u1ef1 \u00e1n, nh\u00e0 \u1edf, c\u00f4ng tr\u00ecnh \u0111\u1ec3 vay v\u1ed1n t\u00edn d\u1ee5ng NH sau \u0111\u00f3 ph\u00e1t tri\u1ec3n, ho\u00e0n th\u00e0nh d\u1ef1 \u00e1n v\u00e0 th\u1ef1c hi\u1ec7n gi\u1ea3i ch\u1ea5p c\u0169ng l\u00e0 vi\u1ec7c b\u00ecnh th\u01b0\u1eddng.<\/p>\n\n\n\n\n
\"\"<\/td>\n<\/tr>\n
C\u00e1c t\u00e0i s\u1ea3n th\u1ebf ch\u1ea5p NH ph\u1ea3i \u0111\u0103ng k\u00fd t\u1ea1i V\u0103n ph\u00f2ng \u0111\u0103ng k\u00fd \u0111\u1ea5t \u0111ai c\u1ee7a S\u1edf TN&MT t\u1ec9nh, th\u00e0nh ph\u1ed1<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n

Theo quy \u0111\u1ecbnh t\u1ea1i Lu\u1eadt Nh\u00e0 \u1edf 2014, ch\u1ee7 \u0111\u1ea7u t\u01b0 d\u1ef1 \u00e1n \u0111\u00e3 th\u1ebf ch\u1ea5p v\u1eabn \u0111\u01b0\u1ee3c quy\u1ec1n b\u00e1n, chuy\u1ec3n nh\u01b0\u1ee3ng, cho thu\u00ea nh\u00e0 \u1edf c\u1ee7a d\u1ef1 \u00e1n v\u1edbi \u0111i\u1ec1u ki\u1ec7n ph\u1ea3i \u0111\u01b0\u1ee3c NH nh\u1eadn th\u1ebf ch\u1ea5p c\u00f3 v\u0103n b\u1ea3n ch\u1ea5p thu\u1eadn. Ng\u01b0\u1eddi mua nh\u00e0 t\u1ea1i c\u00e1c d\u1ef1 \u00e1n \u0111\u00e3 th\u1ebf ch\u1ea5p NH c\u00f3 quy\u1ec1n y\u00eau c\u1ea7u ch\u1ee7 \u0111\u1ea7u t\u01b0 cung c\u1ea5p v\u0103n b\u1ea3n c\u1ee7a NH ch\u1ea5p thu\u1eadn cho ch\u1ee7 \u0111\u1ea7u t\u01b0 \u0111\u01b0\u1ee3c b\u00e1n nh\u00e0, c\u0103n h\u1ed9 h\u00ecnh th\u00e0nh trong t\u01b0\u01a1ng lai \u0111\u1ec3 huy \u0111\u1ed9ng v\u1ed1n.<\/p>\n

Theo \u00f4ng Ch\u00e2u, HoREA hoan ngh\u00eanh ho\u1ea1t \u0111\u1ed9ng c\u00f4ng khai c\u00e1c d\u1ef1 \u00e1n B\u0110S \u0111ang th\u1ebf ch\u1ea5p t\u1ea1i NH c\u1ee7a S\u1edf TN&MT, b\u1edfi vi\u1ec7c c\u00f4ng khai n\u00e0y ph\u1ea7n n\u00e0o cung c\u1ea5p th\u00f4ng tin c\u1ea7n thi\u1ebft cho ng\u01b0\u1eddi ti\u00eau d\u00f9ng v\u00e0 c\u00e1c ch\u1ee7 th\u1ec3 c\u00f3 li\u00ean quan, g\u00f3p ph\u1ea7n x\u00e2y d\u1ef1ng th\u1ecb tr\u01b0\u1eddng B\u0110S ng\u00e0y c\u00e0ng minh b\u1ea1ch h\u01a1n.<\/p>\n

Tuy nhi\u00ean, hi\u1ec7p h\u1ed9i c\u0169ng \u0111\u1ec1 ngh\u1ecb khi c\u00f4ng b\u1ed1 c\u00e1c d\u1ef1 \u00e1n B\u0110S, nh\u00e0 \u1edf \u0111ang th\u1ebf ch\u1ea5p, S\u1edf TN&MT c\u1ea7n cung c\u1ea5p th\u00eam th\u00f4ng tin v\u1ec1 m\u1ee5c \u0111\u00edch th\u1ebf ch\u1ea5p vay v\u1ed1n c\u1ee7a ch\u1ee7 \u0111\u1ea7u t\u01b0 nh\u01b0: \u0111\u1ec3 ph\u00e1t tri\u1ec3n d\u1ef1 \u00e1n; ho\u1eb7c \u0111\u1ec3 x\u00e2y d\u1ef1ng c\u00f4ng tr\u00ecnh, nh\u00e0 \u1edf trong d\u1ef1 \u00e1n; ho\u1eb7c \u0111\u1ec3 th\u1ef1c hi\u1ec7n b\u1ea3o l\u00e3nh NH… \u0111\u1ec3 gi\u00fap cho ng\u01b0\u1eddi ti\u00eau d\u00f9ng n\u1eafm \u0111\u1ea7y \u0111\u1ee7 th\u00f4ng tin tr\u01b0\u1edbc khi quy\u1ebft \u0111\u1ecbnh mua nh\u00e0.<\/p>\n

Ngo\u00e0i ra, HoREA c\u0169ng \u0111\u1ec1 ngh\u1ecb c\u00e1c NHTM nh\u1eadn th\u1ebf ch\u1ea5p c\u1ea7n c\u00f3 c\u01a1 ch\u1ebf gi\u00e1m s\u00e1t b\u00ean th\u1ebf ch\u1ea5p (ch\u1ee7 \u0111\u1ea7u t\u01b0) s\u1eed d\u1ee5ng ngu\u1ed3n v\u1ed1n vay t\u00edn d\u1ee5ng v\u00e0 v\u1ed1n huy \u0111\u1ed9ng c\u1ee7a kh\u00e1ch h\u00e0ng \u0111\u00fang m\u1ee5c \u0111\u00edch nh\u1eb1m ho\u00e0n th\u00e0nh d\u1ef1 \u00e1n, nh\u00e0 \u1edf \u0111\u1ec3 b\u00e0n giao cho kh\u00e1ch h\u00e0ng, th\u1ef1c hi\u1ec7n gi\u1ea3i ch\u1ea5p \u0111\u1ec3 l\u00e0m th\u1ee7 t\u1ee5c c\u1ea5p gi\u1ea5y ch\u1ee9ng nh\u1eadn quy\u1ec1n s\u1edf h\u1eefu nh\u00e0 cho kh\u00e1ch h\u00e0ng \u0111\u00fang quy \u0111\u1ecbnh.<\/p>\n

Th\u1ebf ch\u1ea5p t\u00e0i s\u1ea3n\u00a0kh\u00f4ng ph\u1ea3i DN y\u1ebfu<\/strong><\/p>\n

\u201cVi\u1ec7c c\u00e1c ch\u1ee7 \u0111\u1ea7u t\u01b0 c\u00f3 d\u1ef1 \u00e1n \u0111\u01b0\u1ee3c vay v\u00e0 th\u1ebf ch\u1ea5p t\u1ea1i NH \u0111\u1ec3 ph\u00e1t tri\u1ec3n d\u1ef1 \u00e1n x\u00e2y d\u1ef1ng c\u00f4ng tr\u00ecnh, nh\u00e0 \u1edf, \u0111\u1ed3ng ngh\u0129a v\u1edbi vi\u1ec7c ch\u1ee7 \u0111\u1ea7u t\u01b0 \u0111\u00f3 \u0111\u00e3 \u0111\u01b0\u1ee3c c\u00e1c NHTM th\u1ea9m \u0111\u1ecbnh v\u1ec1 n\u0103ng l\u1ef1c t\u00e0i ch\u00ednh v\u00e0 n\u0103ng l\u1ef1c tri\u1ec3n khai, th\u1ef1c hi\u1ec7n d\u1ef1 \u00e1n v\u00e0 kh\u00f4ng \u0111\u1ed3ng ngh\u0129a v\u1edbi vi\u1ec7c ch\u1ee7 \u0111\u1ea7u t\u01b0 c\u00f3 n\u0103ng l\u1ef1c kinh doanh k\u00e9m\u201d – \u00f4ng Nguy\u1ec5n Ho\u00e0ng Minh, Ph\u00f3 gi\u00e1m \u0111\u1ed1c NHNN chi nh\u00e1nh TP.HCM cho bi\u1ebft.<\/p>\n

NHNN chi nh\u00e1nh TP.HCM tu\u1ea7n qua \u0111\u00e3 y\u00eau c\u1ea7u c\u00e1c NHTM ph\u1ea3i gi\u1ea3i th\u00edch r\u00f5 cho ng\u01b0\u1eddi ti\u00eau d\u00f9ng, kh\u00e1ch h\u00e0ng vay v\u1ed1n th\u00f4ng qua ho\u1ea1t \u0111\u1ed9ng t\u00edn d\u1ee5ng \u0111\u1ec3 ng\u01b0\u1eddi d\u00e2n n\u1eafm r\u00f5 \u00fd ngh\u0129a c\u1ee7a vi\u1ec7c c\u00f4ng b\u1ed1 th\u00f4ng tin d\u1ef1 \u00e1n th\u1ebf ch\u1ea5p t\u1ea1i NH l\u00e0 m\u1ed9t b\u01b0\u1edbc c\u1ea3i c\u00e1ch th\u00f4ng tin, g\u00f3p ph\u1ea7n minh b\u1ea1ch th\u1ecb tr\u01b0\u1eddng B\u0110S, b\u1ea3o v\u1ec7 l\u1ee3i \u00edch c\u1ee7a ng\u01b0\u1eddi ti\u00eau d\u00f9ng. T\u1eeb \u0111\u00f3 t\u1ea1o s\u1ef1 th\u00f4ng tho\u00e1ng cho vi\u1ec7c mua b\u00e1n, chuy\u1ec3n nh\u01b0\u1ee3ng c\u0103n h\u1ed9 tr\u00ean th\u1ecb tr\u01b0\u1eddng.<\/p>\n

\u0110\u1ed3ng th\u1eddi c\u01a1 quan qu\u1ea3n l\u00fd NH \u1edf TP.HCM c\u0169ng y\u00eau c\u1ea7u c\u00e1c TCTD tr\u00ean \u0111\u1ecba b\u00e0n ki\u1ec3m tra gi\u00e1m s\u00e1t ch\u1eb7t ch\u1ebd c\u00e1c kho\u1ea3n vay c\u00f3 d\u1ef1 \u00e1n th\u1ebf ch\u1ea5p t\u1ea1i NH th\u1ef1c hi\u1ec7n \u0111\u00fang quy \u0111\u1ecbnh ph\u00e1p lu\u1eadt v\u1ec1 th\u1ebf ch\u1ea5p t\u00e0i s\u1ea3n \u0111\u1ea3m b\u1ea3o n\u1ee3 vay, \u0111\u0103ng k\u00fd t\u00e0i s\u1ea3n th\u1ebf ch\u1ea5p, x\u1eed l\u00fd t\u00e0i s\u1ea3n th\u1ebf ch\u1ea5p, \u0111\u1eb7c bi\u1ec7t \u0111\u1ed1i v\u1edbi t\u00e0i s\u1ea3n h\u00ecnh th\u00e0nh trong t\u01b0\u01a1ng lai nh\u1eb1m \u0111\u1ea3m b\u1ea3o an to\u00e0n t\u00edn d\u1ee5ng, \u0111\u1ea3m b\u1ea3o an to\u00e0n v\u1ed1n vay.<\/p>\n

H\u1ea7u h\u1ebft c\u00e1c d\u1ef1 \u00e1n B\u0110S hi\u1ec7n \u0111ang \u0111\u01b0\u1ee3c c\u00e1c ch\u1ee7 \u0111\u1ea7u t\u01b0 s\u1eed d\u1ee5ng v\u1ed1n t\u00edn d\u1ee5ng NH nh\u01b0 m\u1ed9t h\u00ecnh th\u1ee9c \u0111\u00f2n b\u1ea9y cho ng\u01b0\u1eddi mua s\u1ea3n ph\u1ea9m c\u0103n h\u1ed9. Theo Lu\u1eadt Kinh doanh B\u0110S quy \u0111\u1ecbnh, c\u00e1c ch\u1ee7 \u0111\u1ea7u t\u01b0 x\u00e2y d\u1ef1ng c\u0103n h\u1ed9 ph\u1ea3i c\u00f3 m\u1ed9t NH b\u1ea3o l\u00e3nh. Theo \u0111\u00f3, n\u1ebfu ch\u1ee7 \u0111\u1ea7u t\u01b0 huy \u0111\u1ed9ng v\u1ed1n c\u1ee7a ng\u01b0\u1eddi mua nh\u00e0 \u1edf v\u00e0 cam k\u1ebft giao nh\u00e0 sau 2 n\u0103m, n\u1ebfu kh\u00f4ng th\u1ef1c hi\u1ec7n \u0111\u00fang cam k\u1ebft ch\u1ee7 \u0111\u1ea7u t\u01b0 ph\u1ea3i tr\u1ea3 l\u1ea1i ti\u1ec1n cho ng\u01b0\u1eddi g\u00f3p ti\u1ec1n tr\u01b0\u1edbc mua nh\u00e0.<\/p>\n

M\u1ed9t khi d\u1ef1 \u00e1n c\u00f3 NH b\u1ea3o l\u00e3nh th\u00ec ch\u1ee7 \u0111\u1ea7u t\u01b0 ph\u1ea3i th\u1ebf ch\u1ea5p d\u1ef1 \u00e1n \u0111\u00f3 cho NH v\u00e0 NH s\u1ebd l\u00e0 b\u00ean thu ti\u1ec1n h\u1ed9 ng\u01b0\u1eddi mua nh\u00e0 theo ti\u1ebfn \u0111\u1ed9 c\u00f4ng tr\u00ecnh. Tr\u00e1nh tr\u01b0\u1eddng h\u1ee3p nh\u01b0 chung c\u01b0 Harmona (Q. T\u00e2n B\u00ecnh, TP.HCM) do CTCP Thanh Ni\u00ean l\u00e0m ch\u1ee7 \u0111\u1ea7u t\u01b0 c\u00f3 s\u1eed d\u1ee5ng v\u1ed1n vay c\u1ee7a BIDV th\u1ebf ch\u1ea5p d\u1ef1 \u00e1n v\u1edbi t\u1ed5ng s\u1ed1 h\u01a1n 600 c\u0103n h\u1ed9, song ch\u1ec9 c\u00f3 19 c\u0103n h\u1ed9 \u0111\u01b0\u1ee3c thu qua NH, c\u00f2n l\u1ea1i ch\u1ee7 \u0111\u1ea7u t\u01b0 \u0111\u00e3 thu ti\u1ec1n ngo\u00e0i.<\/p>\n

Trong khi d\u01b0 n\u1ee3 c\u1ee7a ch\u1ee7 \u0111\u1ea7u t\u01b0 n\u00e0y t\u00ednh \u0111\u1ebfn th\u1eddi \u0111i\u1ec3m \u0111\u1ea7u th\u00e1ng 6\/2016 v\u1eabn c\u00f2n \u0111\u1ebfn 244 t\u1ef7 \u0111\u1ed3ng \u0111\u01b0\u1ee3c cho l\u00e0 \u0111\u00e3 \u0111\u1ea7u t\u01b0 v\u00e0o c\u00e1c d\u1ef1 \u00e1n kh\u00e1c. Sau khi v\u1ee5 \u1ed3n \u00e0o x\u1ea3y ra, BIDV v\u00e0 NHNN ph\u1ea3i v\u00e0o cu\u1ed9c th\u00ec ch\u1ee7 \u0111\u1ea7u t\u01b0 d\u1ef1 \u00e1n Harmona m\u1edbi ho\u00e0n tr\u1ea3 l\u1ea1i NH s\u1ed1 ti\u1ec1n c\u00f2n t\u1ed3n \u0111\u1ecdng.<\/p>\n

C\u00f4ng b\u1ed1 theo \u0111\u1ecbnh k\u1ef3?<\/strong><\/p>\n

Ho\u1ea1t \u0111\u1ed9ng vay v\u1ed1n t\u00edn d\u1ee5ng NH bao gi\u1edd c\u0169ng c\u00f3 th\u1ee7 t\u1ee5c ph\u1ea3i \u0111\u0103ng k\u00fd giao d\u1ecbch \u0111\u1ea3m b\u1ea3o \u0111\u1ed1i v\u1edbi c\u00e1c t\u00e0i s\u1ea3n th\u1ebf ch\u1ea5p. Hi\u1ec7n nay t\u00e0i s\u1ea3n th\u1ebf ch\u1ea5p b\u1eb1ng B\u0110S \u0111ang chi\u1ebfm \u0111\u1ebfn 83% t\u1ed5ng s\u1ed1 c\u00e1c t\u00e0i s\u1ea3n \u0111\u1ea3m b\u1ea3o n\u1ee3 vay c\u1ee7a ng\u00e0nh NH, con s\u1ed1 c\u1ee7a NHNN Vi\u1ec7t Nam. Theo \u0111\u00f3, c\u00e1c t\u00e0i s\u1ea3n th\u1ebf ch\u1ea5p NH ph\u1ea3i \u0111\u0103ng k\u00fd t\u1ea1i V\u0103n ph\u00f2ng \u0111\u0103ng k\u00fd \u0111\u1ea5t \u0111ai c\u1ee7a S\u1edf TN&MT t\u1ec9nh, th\u00e0nh ph\u1ed1.<\/p>\n\n\n\n\n
\"\"<\/td>\n<\/tr>\n
Nh\u00e0 \u0111\u1ea5t \u0111\u01b0\u1ee3c th\u1ebf ch\u1ea5p s\u1ebd t\u1ea1o ra nhi\u1ec1u v\u1ed1n h\u01a1n cho s\u1ea3n xu\u1ea5t kinh doanh<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n

Theo m\u1ed9t chuy\u00ean gia t\u00e0i ch\u00ednh, vi\u1ec7c c\u00f4ng b\u1ed1 c\u00e1c d\u1ef1 \u00e1n B\u0110S th\u1ebf ch\u1ea5p t\u1ea1i NH c\u00f2n h\u01b0\u1edbng t\u1edbi minh b\u1ea1ch cho nh\u00e0 \u0111\u1ea7u t\u01b0 \u0111\u1ed1i v\u1edbi nh\u1eefng c\u00f4ng ty B\u0110S c\u00f3 ni\u00eam y\u1ebft tr\u00ean s\u00e0n ch\u1ee9ng kho\u00e1n. Theo \u0111\u00f3, nh\u00e0 \u0111\u1ea7u t\u01b0 c\u1ed5 phi\u1ebfu c\u00f3 th\u1ec3 ti\u1ebfp c\u1eadn th\u00f4ng tin ni\u00eam y\u1ebft \u0111\u1ea7y \u0111\u1ee7 h\u01a1n v\u1ec1 n\u0103ng l\u1ef1c kinh doanh c\u1ee7a c\u00f4ng ty B\u0110S. V\u00e0 vi\u1ec7c c\u00f4ng b\u1ed1 t\u00e0i s\u1ea3n th\u1ebf ch\u1ea5p c\u0169ng c\u1ea7n ph\u1ea3i t\u1ea1o \u0111\u01b0\u1ee3c s\u1ef1 th\u00f4ng tho\u00e1ng trong vi\u1ec7c mua b\u00e1n, chuy\u1ec3n nh\u01b0\u1ee3ng c\u0103n h\u1ed9 tr\u00ean th\u1ecb tr\u01b0\u1eddng, kh\u00f4ng g\u00e2y t\u00e2m l\u00fd lo l\u1eafng hoang mang, m\u1ea5t l\u00f2ng tin cho ng\u01b0\u1eddi d\u00e2n mua nh\u00e0 \u1edf.<\/p>\n

Theo m\u1ed9t chuy\u00ean gia t\u00e0i ch\u00ednh, vi\u1ec7c c\u00f4ng b\u1ed1 c\u00e1c d\u1ef1 \u00e1n B\u0110S th\u1ebf ch\u1ea5p t\u1ea1i NH c\u1ee7a c\u00e1c S\u1edf TN&MT n\u00ean \u0111\u01b0\u1ee3c th\u1ef1c hi\u1ec7n minh b\u1ea1ch, c\u00f3 h\u1ec7 th\u1ed1ng \u0111\u1ecbnh k\u1ef3 t\u1eebng qu\u00fd ho\u1eb7c theo n\u0103m. Theo \u0111\u00f3 th\u00f4ng tin c\u00e1c d\u1ef1 \u00e1n B\u0110S s\u1ebd \u0111\u1ebfn v\u1edbi ng\u01b0\u1eddi mua nh\u00e0, nh\u00e0 \u0111\u1ea7u t\u01b0 v\u00e0 c\u1ea3 c\u00e1c nh\u00e0 qu\u1ea3n l\u00fd m\u1ed9t c\u00e1ch minh b\u1ea1ch nh\u1ea5t. Tr\u00e1nh t\u00ecnh tr\u1ea1ng b\u1ea3n c\u00f4ng b\u1ed1 minh b\u1ea1ch th\u00f4ng tin c\u1ee7a ch\u1ee7 \u0111\u1ea7u t\u01b0 c\u00e1c d\u1ef1 \u00e1n B\u0110S b\u1ecb x\u00e3 h\u1ed9i hi\u1ec3u nh\u01b0 c\u00f4ng b\u1ed1 danh s\u00e1ch n\u1ee3 thu\u1ebf!<\/p>\n\n\n\n
Ch\u1ee7 t\u1ecbch Hi\u1ec7p h\u1ed9i B\u0110S TP. H\u1ed3 Ch\u00ed Minh L\u00ea Ho\u00e0ng Ch\u00e2u: L\u1ee3i b\u1ea5t c\u1eadp h\u1ea1i khi th\u00f4ng tin kh\u00f4ng r\u00f5 r\u00e0ng<\/span><\/p>\n

Vi\u1ec7c c\u00f4ng b\u1ed1 th\u00f4ng tin c\u1ee7a S\u1edf T\u00e0i nguy\u00ean M\u00f4i tr\u01b0\u1eddng (TN&MT) l\u00e0 \u0111\u00e1ng hoan ngh\u00eanh nh\u1eb1m minh b\u1ea1ch h\u00f3a th\u1ecb tr\u01b0\u1eddng B\u0110S. Tuy nhi\u00ean, vi\u1ec7c c\u00f4ng b\u1ed1 th\u00f4ng tin kh\u00f4ng r\u00f5 r\u00e0ng, ch\u01b0a \u0111\u1ea7y \u0111\u1ee7 l\u1ea1i n\u1ea3y sinh m\u1ed9t s\u1ed1 b\u1ea5t c\u1eadp. Trong t\u1ed5ng s\u1ed1 584 d\u1ef1 \u00e1n B\u0110S \u0111ang tri\u1ec3n khai t\u1ea1i TP. H\u1ed3 Ch\u00ed Minh th\u00ec con s\u1ed1 77 d\u1ef1 \u00e1n \u0111\u01b0\u1ee3c c\u00f4ng b\u1ed1, chi\u1ebfm t\u1ef7 l\u1ec7 13% l\u00e0 qu\u00e1 \u00edt. C\u00e1c DN B\u0110S t\u1ecf ra quan ng\u1ea1i vi\u1ec7c c\u00f4ng b\u1ed1 n\u00e0y kh\u00f4ng c\u00f4ng b\u1eb1ng. N\u00ean Hi\u1ec7p h\u1ed9i \u0111\u00e3 c\u00f3 \u0111\u1ec1 ngh\u1ecb S\u1edf TN&MT ph\u1ea3i ki\u1ec3m so\u00e1t l\u1ea1i \u0111\u1ea7y \u0111\u1ee7 m\u1edbi n\u00ean c\u00f4ng b\u1ed1. \u0110i\u1ec1u quan ng\u1ea1i n\u1eefa l\u00e0 c\u00f4ng b\u1ed1 n\u00e0y kh\u00f4ng k\u1ecbp th\u1eddi. V\u00ec b\u00e1o c\u00e1o n\u00e0y c\u1eadp nh\u1eadt th\u00f4ng tin \u0111\u1ebfn ng\u00e0y 15\/7, nh\u01b0ng t\u1edbi t\u1eadn ng\u00e0y 25\/7, c\u01a1 quan n\u00e0y m\u1edbi c\u00f4ng b\u1ed1 tr\u00ean c\u00e1c ph\u01b0\u01a1ng ti\u1ec7n th\u00f4ng tin \u0111\u1ea1i ch\u00fang. Trong khi \u0111\u00f3, c\u00f3 m\u1ed9t d\u1ef1 \u00e1n ngay ng\u00e0y 16\/7 \u0111\u00e3 gi\u1ea3i ch\u1ea5p r\u1ed3i nh\u01b0ng v\u1eabn n\u1eb1m trong danh s\u00e1ch n\u00e0y. Cho n\u00ean vi\u1ec7c c\u00f4ng b\u1ed1 ki\u1ec3u n\u00e0y kh\u00e1 tai h\u1ea1i v\u00ec kh\u00f4ng c\u1eadp nh\u1eadt k\u1ecbp th\u1eddi chuy\u1ec7n th\u1ebf ch\u1ea5p v\u00e0 gi\u1ea3i ch\u1ea5p c\u1ee7a c\u00e1c d\u1ef1 \u00e1n. M\u1ee5c \u0111\u00edch th\u1ebf ch\u1ea5p nh\u01b0 th\u1ebf n\u00e0o c\u0169ng ch\u01b0a \u0111\u01b0\u1ee3c n\u00f3i r\u00f5 g\u00e2y ra hi\u1ec3u l\u1ea7m. T\u1ea1i TP. H\u1ed3 Ch\u00ed Minh \u0111a s\u1ed1 DN B\u0110S th\u1ebf ch\u1ea5p d\u1ef1 \u00e1n \u0111\u1ec3 vay ti\u1ec1n ph\u00e1t tri\u1ec3n d\u1ef1 \u00e1n; c\u00f3 ch\u1ee7 \u0111\u1ea7u t\u01b0 th\u1ebf ch\u1ea5p ch\u1ec9 \u0111\u1ec3 c\u00f3 \u0111\u01b0\u1ee3c ch\u1ee9ng th\u01b0 b\u1ea3o l\u00e3nh c\u1ee7a NH \u0111\u1ec3 \u0111\u1ee7 \u0111i\u1ec1u ki\u1ec7n b\u00e1n h\u00e0ng ch\u1ee9 kh\u00f4ng vay ti\u1ec1n\u2026 Khi c\u00f4ng b\u1ed1 th\u00f4ng tin kh\u00f4ng r\u00f5 r\u00e0ng \u0111\u00e3 t\u00e1c \u0111\u1ed9ng t\u1ee9c th\u00ec \u0111\u1ebfn th\u1ecb tr\u01b0\u1eddng, khi\u1ebfn ng\u01b0\u1eddi ti\u00eau d\u00f9ng lo l\u1eafng, hoang mang v\u1ec1 quy\u1ec1n s\u1edf h\u1eefu nh\u00e0 \u1edf c\u1ee7a m\u00ecnh, ch\u1ee7 \u0111\u1ea7u t\u01b0 c\u0169ng mang ti\u1ebfng v\u1ec1 n\u0103ng l\u1ef1c t\u00e0i ch\u00ednh. V\u1ec1 v\u1ea5n \u0111\u1ec1 n\u00e0y, t\u00f4i cho r\u1eb1ng ng\u01b0\u1eddi ti\u00eau d\u00f9ng kh\u00f4ng n\u00ean lo l\u1eafng qu\u00e1. Kh\u00f4ng ph\u1ea3i c\u1ee9 d\u1ef1 \u00e1n th\u1ebf ch\u1ea5p l\u00e0 DN y\u1ebfu, k\u00e9m n\u0103ng l\u1ef1c. Theo Lu\u1eadt Kinh doanh B\u0110S, \u0111\u1ec3 ph\u00e1t tri\u1ec3n d\u1ef1 \u00e1n B\u0110S ch\u1ee7 \u0111\u1ea7u t\u01b0 ch\u1ec9 c\u1ea7n 15 – 20% v\u1ed1n ch\u1ee7 s\u1edf h\u1eefu, t\u00f9y theo quy m\u00f4 d\u1ef1 \u00e1n d\u01b0\u1edbi 20 ha hay, t\u1eeb 20 ha tr\u1edf l\u00ean. Nh\u01b0 v\u1eady, t\u1eeb 80 \u2013 85% v\u1ed1n d\u1ef1 \u00e1n kh\u00f4ng ph\u1ea3i v\u1ed1n c\u1ee7a ch\u1ee7 \u0111\u1ea7u t\u01b0 m\u00e0 v\u1ed1n \u0111\u00f3 l\u00e0 huy \u0111\u1ed9ng c\u00e1c ngu\u1ed3n kh\u00e1c. T\u1ea1i Vi\u1ec7t Nam th\u00ec ch\u1ee7 y\u1ebfu d\u1ef1a v\u00e0o hai ngu\u1ed3n ch\u00ednh l\u00e0 t\u00edn d\u1ee5ng NH, v\u00e0 huy \u0111\u1ed9ng t\u1eeb kh\u00e1ch h\u00e0ng. DN c\u00f3 n\u0103ng l\u1ef1c, uy t\u00edn th\u00ec m\u1edbi \u0111\u01b0\u1ee3c NH cho vay. Khi mua nh\u00e0 d\u1ef1 \u00e1n th\u1ebf ch\u1ea5p ho\u1eb7c c\u00f3 \u00fd \u0111\u1ecbnh mua nh\u00e0 thu\u1ed9c d\u1ef1 \u00e1n th\u1ebf ch\u1ea5p, ng\u01b0\u1eddi ti\u00eau d\u00f9ng n\u00ean y\u00eau c\u1ea7u ch\u1ee7 \u0111\u1ea7u t\u01b0 cung c\u1ea5p c\u00e1c v\u0103n b\u1ea3n: gi\u1ea5y ch\u1ee9ng nh\u1eadn \u0111\u1ee7 \u0111i\u1ec1u ki\u1ec7n b\u00e1n s\u1ea3n ph\u1ea9m \u0111\u1ec3 huy \u0111\u1ed9ng v\u1ed1n do S\u1edf X\u00e2y d\u1ef1ng c\u1ea5p; v\u00e0 gi\u1ea5y ch\u1ee9ng th\u01b0 b\u1ea3o l\u00e3nh c\u1ee7a NH \u0111\u1ed1i v\u1edbi nh\u00e0 \u1edf h\u00ecnh th\u00e0nh trong t\u01b0\u01a1ng lai \u0111\u1ec3 b\u1ea3o v\u1ec7 quy\u1ec1n l\u1ee3i ch\u00ednh \u0111\u00e1ng c\u1ee7a m\u00ecnh. Ch\u1ee7 \u0111\u1ea7u t\u01b0 ph\u1ea3i c\u00f3 ngh\u0129a v\u1ee5 cung c\u1ea5p v\u0103n b\u1ea3n \u0111\u00f3 cho ng\u01b0\u1eddi ti\u00eau d\u00f9ng.<\/span><\/p>\n

Gi\u00e1m \u0111\u1ed1c C\u00f4ng ty Lu\u1eadt ANVI, Tr\u01b0\u01a1ng Thanh \u0110\u1ee9c: Kh\u00f4ng n\u00ean c\u00f4ng b\u1ed1 ki\u1ec3u t\u00f9 m\u00f9<\/span><\/p>\n

Theo quy \u0111\u1ecbnh, n\u1ebfu d\u1ef1 \u00e1n \u0111\u00e3 th\u1ebf ch\u1ea5p, ch\u1ee7 \u0111\u1ea7u t\u01b0 mu\u1ed1n b\u00e1n nh\u00e0 th\u00ec ph\u1ea3i gi\u1ea3i ch\u1ea5p. Ng\u01b0\u1eddi mua nh\u00e0 t\u1ea1i c\u00e1c d\u1ef1 \u00e1n, k\u1ec3 c\u1ea3 d\u1ef1 \u00e1n th\u1ebf ch\u1ea5p n\u1ebfu c\u00f3 s\u1ed5 \u0111\u1ecf, nh\u1eadn b\u00e0n giao nh\u00e0 v\u00e0 thanh to\u00e1n h\u1ebft ti\u1ec1n th\u00ec y\u00ean t\u00e2m tuy\u1ec7t \u0111\u1ed1i. C\u00f2n n\u1ebfu d\u1ef1 \u00e1n \u0111ang x\u00e2y d\u1ef1ng d\u1edf dang, ch\u01b0a c\u00f3 s\u1ed5 \u0111\u1ecf nh\u01b0ng n\u1ebfu \u0111\u01b0\u1ee3c NH b\u1ea3o l\u00e3nh th\u00ec t\u00ecnh hu\u1ed1ng x\u1ea5u nh\u1ea5t ng\u01b0\u1eddi mua nh\u00e0 v\u1eabn l\u1ea5y l\u1ea1i \u0111\u01b0\u1ee3c ti\u1ec1n. V\u1edbi quy \u0111\u1ecbnh b\u00e0i b\u1ea3n nh\u01b0 hi\u1ec7n nay th\u00ec ng\u01b0\u1eddi ti\u00eau d\u00f9ng kh\u00f4ng ph\u1ea3i lo l\u1eafng nhi\u1ec1u. Hi\u1ec7n t\u1ea1i, c\u00f3 t\u1edbi h\u01a1n 90% c\u00e1c ch\u1ee7 \u0111\u1ea7u t\u01b0 B\u0110S \u0111\u1ec1u ph\u1ea3i \u0111i vay v\u1ed1n NH. V\u00e0 \u0111\u1ec3 vay \u0111\u01b0\u1ee3c v\u1ed1n NH ph\u1ea3i c\u00f3 t\u00e0i s\u1ea3n b\u1ea3o \u0111\u1ea3m, th\u00ec \u0111\u01b0\u01a1ng nhi\u00ean h\u1ecd ph\u1ea3i th\u1ebf ch\u1ea5p d\u1ef1 \u00e1n. M\u00e0 theo nh\u01b0 c\u00f4ng b\u1ed1 c\u1ee7a S\u1edf TN&MT, s\u1ed1 d\u1ef1 \u00e1n th\u1ebf ch\u1ea5p c\u00f4ng b\u1ed1 t\u1ea1i TP. H\u1ed3 Ch\u00ed Minh ch\u1ec9 l\u00e0 77 d\u1ef1 \u00e1n v\u00e0 H\u00e0 N\u1ed9i n\u00eau t\u00ean 34 d\u1ef1 \u00e1n l\u00e0 qu\u00e1 \u00edt. Th\u1ef1c t\u1ebf, S\u1edf TN&MT kh\u00f4ng th\u1ec3 bi\u1ebft h\u1ebft \u0111\u01b0\u1ee3c c\u00e1c DN n\u00e0o \u0111ang th\u1ebf ch\u1ea5p d\u1ef1 \u00e1n B\u0110S t\u1ea1i NH. Vi\u1ec7c c\u00f4ng b\u1ed1 th\u00f4ng tin ki\u1ec3u n\u00e0y c\u00f2n khi\u1ebfn c\u00e1c lu\u1eadt m\u00e2u thu\u1eabn. C\u1ee5 th\u1ec3, theo Lu\u1eadt D\u00e2n s\u1ef1, ch\u1ee7 tr\u01b0\u01a1ng c\u00f4ng b\u1ed1 c\u00f4ng khai. Nh\u01b0ng Lu\u1eadt TCTD n\u0103m 2010 quy \u0111\u1ecbnh, th\u00f4ng tin vay v\u1ed1n ph\u1ea3i b\u1ea3o m\u1eadt, kh\u00f4ng \u0111\u01b0\u1ee3c ph\u00e9p c\u00f4ng b\u1ed1. T\u00f4i cho r\u1eb1ng, \u0111\u00e3 c\u00f4ng b\u1ed1 ph\u1ea3i c\u00f4ng b\u1ed1 h\u1ebft v\u00e0 gi\u1ea3i th\u00edch r\u00f5 r\u00e0ng ch\u1ee9 kh\u00f4ng t\u00f9 m\u00f9 nh\u01b0 th\u1ebf n\u00e0y \u0111\u01b0\u1ee3c. T\u1ef1 nhi\u00ean \u0111\u01b0a ra m\u1ea5y ch\u1ee5c d\u1ef1 \u00e1n khi\u1ebfn m\u1ecdi ng\u01b0\u1eddi ngh\u0129 c\u00e1c d\u1ef1 \u00e1n n\u00e0y c\u00f3 v\u1ea5n \u0111\u1ec1 m\u1edbi b\u1ecb n\u00eau t\u00ean, c\u00f2n nh\u1eefng d\u1ef1 \u00e1n kh\u00e1c th\u00ec h\u1ecd y\u00ean t\u00e2m. Nh\u01b0ng th\u1ef1c t\u1ebf kh\u00f4ng h\u1eb3n l\u00e0 v\u1eady. \u0110i\u1ec1u n\u00e0y v\u1eeba thi\u1ec7t h\u1ea1i cho c\u1ea3 ng\u01b0\u1eddi d\u00e2n l\u1eabn DN ch\u01b0a k\u1ec3 DN gi\u1ea3i ch\u1ea5p r\u1ed3i c\u0169ng b\u1ecb v\u1ea1 l\u00e2y khi v\u1eabn \u0111\u01b0\u1ee3c n\u1eb1m trong danh s\u00e1ch.<\/span><\/p>\n

Thanh Huy\u1ec1n ghi<\/span><\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n

Ph\u1ea1m H\u00e0 Nguy\u00ean – Th\u1ea1ch B\u00ecnh<\/strong><\/p>\n

——————<\/p>\n

Th\u1eddi b\u00e1o Ng\u00e2n h\u00e0ng (Doanh nghi\u1ec7p) 04-8-2016:<\/em><\/strong><\/p>\n

http:\/\/thoibaonganhang.vn\/cong-bo-tai-san-phai-dam-bao-loi-ich-dn-va-nguoi-dan-51850.html<\/a><\/p>\n

(343\/2.272)","protected":false},"excerpt":{"rendered":"

(TBNH) – Vi\u1ec7c c\u00f4ng b\u1ed1 c\u00e1c d\u1ef1 \u00e1n B\u0110S th\u1ebf ch\u1ea5p t\u1ea1i NH c\u1ee7a c\u00e1c S\u1edf TN&MT n\u00ean \u0111\u01b0\u1ee3c th\u1ef1c hi\u1ec7n minh b\u1ea1ch, c\u00f3 h\u1ec7 th\u1ed1ng \u0111\u1ecbnh k\u1ef3 t\u1eebng qu\u00fd ho\u1eb7c theo n\u0103m. Theo \u0111\u00f3 th\u00f4ng tin c\u00e1c d\u1ef1 \u00e1n B\u0110S s\u1ebd \u0111\u1ebfn v\u1edbi ng\u01b0\u1eddi mua nh\u00e0, nh\u00e0 \u0111\u1ea7u t\u01b0 v\u00e0 c\u1ea3 c\u00e1c nh\u00e0 qu\u1ea3n […]<\/p>\n","protected":false},"author":10,"featured_media":17768,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":""},"categories":[27,26],"tags":[],"class_list":["post-17732","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-interviews","category-legal-media"],"acf":[],"yoast_head":"\n1.241. C\u00f4ng b\u1ed1 t\u00e0i s\u1ea3n: Ph\u1ea3i \u0111\u1ea3m b\u1ea3o l\u1ee3i \u00edch DN v\u00e0 ng\u01b0\u1eddi d\u00e2n - 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-1-241-cong-bo-tai-san-phai-dam-bao-loi-ich-dn-va-nguoi-dan\/\" \/>\n<meta property=\"og:locale\" content=\"vi_VN\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"[:vi]1.241. 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