{"id":18043,"date":"2018-05-16T10:01:26","date_gmt":"2018-05-16T03:01:26","guid":{"rendered":"https:\/\/anvilaw.com\/vi\/?p=18043"},"modified":"2022-04-15T10:06:52","modified_gmt":"2022-04-15T03:06:52","slug":"2-166-cam-bay-ky-nhan-truoc-giai-ngan-sau","status":"publish","type":"post","link":"https:\/\/anvilaw.com\/vi\/2-166-cam-bay-ky-nhan-truoc-giai-ngan-sau\/","title":{"rendered":"2.166. C\u1ea1m b\u1eaby “k\u00fd nh\u1eadn tr\u01b0\u1edbc – gi\u1ea3i ng\u00e2n sau”"},"content":{"rendered":"(NL\u0110) – “K\u00fd nh\u1eadn tr\u01b0\u1edbc – gi\u1ea3i ng\u00e2n sau” l\u00e0 th\u00f4ng l\u1ec7 ph\u1ed5 bi\u1ebfn trong giao d\u1ecbch t\u00edn d\u1ee5ng, d\u1ef1a v\u00e0o ni\u1ec1m tin \u0111\u1ed1i v\u1edbi b\u00ean cho vay. Khi b\u00ean cho vay ch\u1ee7 \u00fd l\u1eadt l\u1ecdng th\u00ec ng\u01b0\u1eddi vay l\u00e3nh \u0111\u1ee7, tr\u01b0\u1eddng h\u1ee3p C\u00f4ng ty Ph\u01b0\u01a1ng Trang b\u1ecb TrustBank \u0111\u1ea9y d\u01b0 n\u1ee3 kh\u1ed1ng h\u01a1n 5.000 t\u1ec9 \u0111\u1ed3ng l\u00e0 b\u00e0i h\u1ecdc cay \u0111\u1eafng.<\/em><\/strong><\/p>\n

Theo c\u00e1c chuy\u00ean gia t\u00e0i ch\u00ednh, vi\u1ec7c y\u00eau c\u1ea7u kh\u00e1ch h\u00e0ng k\u00fd tr\u01b0\u1edbc h\u1ed3 s\u01a1 vay, ch\u1ee9ng t\u1eeb gi\u1ea3i ng\u00e2n, th\u1eadm ch\u00ed k\u00fd “\u0111\u00e3 nh\u1eadn ti\u1ec1n” nh\u01b0ng ch\u01b0a \u0111\u01b0\u1ee3c gi\u1ea3i ng\u00e2n l\u00e0 th\u00f4ng l\u1ec7 kh\u00e1 ph\u1ed5 bi\u1ebfn trong ng\u00e0nh ng\u00e2n h\u00e0ng (NH).<\/p>\n

Kh\u00e1ch h\u00e0ng g\u00e1nh n\u1ee3 “kh\u1ee7ng”<\/strong><\/p>\n

TAND TP HCM \u0111ang x\u00e9t x\u1eed s\u01a1 th\u1ea9m v\u1ee5 \u00e1n b\u00e0 H\u1ee9a Th\u1ecb Ph\u1ea5n (nguy\u00ean c\u1ed1 v\u1ea5n c\u1ea5p cao H\u0110QT NH TMCP \u0110\u1ea1i T\u00edn – TrustBank) c\u00f9ng \u0111\u1ed3ng ph\u1ea1m “L\u1ea1m d\u1ee5ng t\u00edn nhi\u1ec7m chi\u1ebfm \u0111o\u1ea1t t\u00e0i s\u1ea3n”, “C\u1ed1 \u00fd l\u00e0m tr\u00e1i quy \u0111\u1ecbnh c\u1ee7a nh\u00e0 n\u01b0\u1edbc v\u1ec1 qu\u1ea3n l\u00fd kinh t\u1ebf g\u00e2y h\u1eadu qu\u1ea3 nghi\u00eam tr\u1ecdng”, g\u00e2y thi\u1ec7t h\u1ea1i cho NH n\u00e0y h\u00e0ng ng\u00e0n t\u1ec9 \u0111\u1ed3ng.<\/p>\n

Li\u00ean quan \u0111\u1ebfn v\u1ee5 \u00e1n n\u00e0y, c\u00f3 m\u1ed9t s\u1ed1 t\u00ecnh ti\u1ebft m\u00e0 nhi\u1ec1u chuy\u00ean gia t\u00e0i ch\u00ednh cho r\u1eb1ng c\u1ea7n l\u01b0u \u00fd. T\u1eeb n\u0103m 2010-2012, NH \u0110\u1ea1i T\u00edn \u0111\u00e3 gi\u1ea3i ng\u00e2n cho C\u00f4ng ty CP \u0110\u1ea7u t\u01b0 Ph\u01b0\u01a1ng Trang (C\u00f4ng ty Ph\u01b0\u01a1ng Trang) c\u00f9ng 18 c\u00f4ng ty v\u00e0 22 c\u00e1 nh\u00e2n c\u00f3 quan h\u1ec7 h\u1ee3p t\u00e1c t\u1ed5ng c\u1ed9ng 82 kho\u1ea3n vay, 1 kho\u1ea3n nh\u1eadn n\u1ee3 b\u1eaft bu\u1ed9c 35 t\u1ec9 \u0111\u1ed3ng v\u00e0 1 kho\u1ea3n ph\u00e1t h\u00e0nh tr\u00e1i phi\u1ebfu doanh nghi\u1ec7p v\u1edbi t\u1ed5ng s\u1ed1 ti\u1ec1n tr\u00ean s\u1ed5 s\u00e1ch l\u00e0 16.486 t\u1ec9 \u0111\u1ed3ng. Sau khi C\u00f4ng ty Ph\u01b0\u01a1ng Trang t\u1ea5t to\u00e1n m\u1ed9t s\u1ed1 kho\u1ea3n vay th\u00ec d\u01b0 n\u1ee3 g\u1ed1c \u0111\u1ebfn ng\u00e0y 15-11-2017 gi\u1ea3m xu\u1ed1ng c\u00f2n 9.347 t\u1ec9 \u0111\u1ed3ng.<\/p>\n

Tuy nhi\u00ean, th\u1ef1c t\u1ebf Ph\u01b0\u01a1ng Trang x\u00e1c \u0111\u1ecbnh ch\u1ec9 th\u1ef1c nh\u1eadn h\u01a1n 3.936 t\u1ec9 \u0111\u1ed3ng n\u00ean NH kh\u00f4ng th\u1ec3 \u0111\u00f2i n\u1ee3, kh\u00f4ng th\u1ec3 x\u1eed l\u00fd t\u00e0i s\u1ea3n b\u1ea3o \u0111\u1ea3m \u0111\u1ec3 thu h\u1ed3i n\u1ee3 vay\u2026 V\u1eady s\u1ed1 ti\u1ec1n h\u01a1n 5.200 t\u1ec9 \u0111\u1ed3ng \u0111\u00e3 \u0111\u01b0\u1ee3c b\u00e0 H\u1ee9a Th\u1ecb Ph\u1ea5n ch\u1ec9 \u0111\u1ea1o c\u00e1n b\u1ed9, nh\u00e2n vi\u00ean “ph\u00f9 ph\u00e9p” nh\u01b0 th\u1ebf n\u00e0o \u0111\u1ec3 b\u1eaft kh\u00e1ch h\u00e0ng g\u00e1nh n\u1ee3?<\/p>\n

Theo c\u00e1o tr\u1ea1ng c\u1ee7a VKSND T\u1ed1i cao, l\u1ee3i d\u1ee5ng vi\u1ec7c n\u1eafm gi\u1eef 84,92% v\u1ed1n \u0111i\u1ec1u l\u1ec7 NH \u0110\u1ea1i T\u00edn, b\u00e0 H\u1ee9a Th\u1ecb Ph\u1ea5n \u0111\u00e3 ch\u1ec9 \u0111\u1ea1o c\u00e1n b\u1ed9, nh\u00e2n vi\u00ean NH n\u00e0y th\u1ef1c hi\u1ec7n c\u00e1c h\u00e0nh vi tr\u00e1i ph\u00e1p lu\u1eadt trong vi\u1ec7c l\u1eadp v\u00e0 h\u1ea1ch to\u00e1n ch\u1ee9ng t\u1eeb thu, chi kh\u1ed1ng kh\u00f4ng s\u1eed d\u1ee5ng ti\u1ec1n m\u1eb7t; th\u1ef1c hi\u1ec7n h\u1ea1ch to\u00e1n kh\u1ed1ng tr\u00ean h\u1ec7 th\u1ed1ng SmartBank; gi\u1ea3i ng\u00e2n c\u00e1c kho\u1ea3n vay nh\u01b0ng kh\u00f4ng chuy\u1ec3n ti\u1ec1n ho\u1eb7c chuy\u1ec3n ti\u1ec1n kh\u00f4ng \u0111\u1ee7 cho nh\u00f3m C\u00f4ng ty Ph\u01b0\u01a1ng Trang. Sau \u0111\u00f3, ch\u1eef k\u00fd kh\u00e1ch h\u00e0ng m\u1edbi \u0111\u01b0\u1ee3c l\u1ea5y \u0111\u1ec3 ho\u00e0n thi\u1ec7n th\u1ee7 t\u1ee5c…<\/p>\n

\u0110\u00e1ng l\u01b0u \u00fd, b\u00e0 Ph\u1ea5n \u0111\u00e3 ch\u1ec9 \u0111\u1ea1o bu\u1ed9c C\u00f4ng ty Ph\u01b0\u01a1ng Trang k\u00fd tr\u01b0\u1edbc h\u1ed3 s\u01a1 vay, ch\u1ee9ng t\u1eeb gi\u1ea3i ng\u00e2n, ch\u1ee9ng t\u1eeb nh\u1eadn ti\u1ec1n m\u1eb7t; ph\u00ea duy\u1ec7t cho vay v\u00e0 gi\u1ea3i ng\u00e2n m\u00e0 kh\u00f4ng th\u00f4ng b\u00e1o cho kh\u00e1ch h\u00e0ng. Sau \u0111\u00f3, c\u00e1c ch\u1ee9ng t\u1eeb chi kh\u1ed1ng \u0111\u01b0\u1ee3c l\u1eadp v\u00e0 c\u1ea5n tr\u1eeb c\u00e1c ch\u1ee9ng t\u1eeb thu kh\u1ed1ng tr\u00ean (5.256 t\u1ec9 \u0111\u1ed3ng) \u0111\u1ec3 kh\u00f4ng l\u00e0m ch\u00eanh l\u1ec7ch t\u1ed3n qu\u1ef9 ti\u1ec1n m\u1eb7t th\u1ef1c t\u1ebf so v\u1edbi s\u1ed1 li\u1ec7u ti\u1ec1n m\u1eb7t tr\u00ean s\u1ed5 s\u00e1ch h\u1ea1ch to\u00e1n nh\u1eb1m che gi\u1ea5u h\u00e0nh vi ph\u1ea1m t\u1ed9i, l\u1ea5y ti\u1ec1n \u0111\u00f3 s\u1eed d\u1ee5ng c\u00e1 nh\u00e2n v\u00e0 \u0111\u1ea9y d\u01b0 n\u1ee3 kh\u1ed1ng cho Ph\u01b0\u01a1ng Trang.<\/p>\n

Th\u1ef1c t\u1ebf, t\u1eeb n\u0103m 2012 – khi ph\u00e1t hi\u1ec7n v\u1ee5 vi\u1ec7c, Ph\u01b0\u01a1ng Trang \u0111\u00e3 t\u1ed1 c\u00e1o b\u00e0 H\u1ee9a Th\u1ecb Ph\u1ea5n v\u00e0 NH \u0110\u1ea1i T\u00edn l\u1ee3i d\u1ee5ng vi\u1ec7c c\u00f4ng ty c\u00f3 nhi\u1ec1u b\u1ea5t \u0111\u1ed9ng s\u1ea3n v\u00e0 \u0111\u1ed9ng s\u1ea3n, c\u00f3 nhu c\u1ea7u vay ti\u1ec1n \u0111\u1ec3 \u0111\u1ea7u t\u01b0 kinh doanh n\u00ean \u0111\u00e3 bu\u1ed9c k\u00fd tr\u01b0\u1edbc h\u1ed3 s\u01a1 vay, ch\u1ee9ng t\u1eeb gi\u1ea3i ng\u00e2n v\u00e0 ch\u1ee9ng t\u1eeb nh\u1eadn ti\u1ec1n m\u1eb7t. Khi ph\u00ea duy\u1ec7t h\u1ed3 s\u01a1 vay, NH \u0110\u1ea1i T\u00edn kh\u00f4ng th\u00f4ng b\u00e1o cho kh\u00e1ch h\u00e0ng, l\u1ee3i d\u1ee5ng c\u00e1c h\u1ed3 s\u01a1 vay m\u00e0 C\u00f4ng ty Ph\u01b0\u01a1ng Trang \u0111\u00e3 k\u00fd tr\u01b0\u1edbc nh\u01b0ng ch\u1ec9 gi\u1ea3i ng\u00e2n m\u1ed9t ph\u1ea7n ho\u1eb7c c\u00f3 h\u1ed3 s\u01a1 vay nh\u01b0ng kh\u00f4ng gi\u1ea3i ng\u00e2n \u0111\u1ed3ng n\u00e0o\u2026<\/p>\n

\"\"<\/p>\n

“K\u00fd nh\u1eadn tr\u01b0\u1edbc – gi\u1ea3i ng\u00e2n sau” l\u00e0 th\u00f4ng l\u1ec7 kh\u00e1 ph\u1ed5 bi\u1ebfn trong ng\u00e0nh ng\u00e2n h\u00e0ng t\u1ea1i Vi\u1ec7t Nam nh\u01b0ng l\u1ea1i h\u1ebft s\u1ee9c nguy hi\u1ec3m, nh\u1ea5t l\u00e0 \u0111\u1ed1i v\u1edbi b\u00ean vay ti\u1ec1n. \u1ea2nh: T\u1ea4N TH\u1ea0NH<\/em><\/p>\n

R\u1ee7i ro thu\u1ed9c v\u1ec1 b\u00ean vay<\/strong><\/p>\n

N\u00f3i v\u1ec1 v\u1ee5 vi\u1ec7c gi\u1eefa NH \u0110\u1ea1i T\u00edn v\u00e0 C\u00f4ng ty Ph\u01b0\u01a1ng Trang, tr\u01b0\u1edfng ban ph\u00e1p ch\u1ebf m\u1ed9t NH t\u1ea1i TP HCM cho bi\u1ebft c\u00e1c NH th\u01b0\u1eddng \u0111\u1eb7t ra quy tr\u00ecnh cho vay, gi\u1ea3i ng\u00e2n, theo d\u00f5i c\u00f4ng n\u1ee3 h\u1ebft s\u1ee9c ch\u1eb7t ch\u1ebd. Theo \u0111\u00f3, sau khi kh\u00e1ch h\u00e0ng k\u00fd nh\u1eadn gi\u1ea5y vay ti\u1ec1n (kh\u1ebf \u01b0\u1edbc vay), l\u1eadp t\u1ee9c NH gi\u1ea3i ng\u00e2n b\u1eb1ng h\u00ecnh th\u1ee9c chuy\u1ec3n kho\u1ea3n ho\u1eb7c ti\u1ec1n m\u1eb7t \u0111\u1ebfn \u0111\u1ecba ch\u1ec9 do b\u00ean vay ch\u1ec9 \u0111\u1ecbnh. Tr\u01b0\u1eddng h\u1ee3p NH gi\u1ea3i ng\u00e2n ch\u01b0a \u0111\u1ee7 s\u1ed1 ti\u1ec1n cho vay th\u00ec kh\u00e1ch h\u00e0ng s\u1ebd kh\u00f4ng \u0111\u1ec3 y\u00ean. \u0110\u1eb7c bi\u1ec7t, tr\u01b0\u1edbc khi gi\u1ea3i ng\u00e2n, ph\u1ea7n l\u1edbn NH \u0111\u1ec1u y\u00eau c\u1ea7u kh\u00e1ch h\u00e0ng ph\u1ea3i k\u00fd tr\u01b0\u1edbc ho\u1eb7c k\u00fd c\u00e1c v\u0103n b\u1ea3n li\u00ean quan \u0111\u1ebfn \u0111i\u1ec1u ki\u1ec7n vay ti\u1ec1n.<\/p>\n

V\u1edbi tr\u01b0\u1eddng h\u1ee3p gi\u1eefa Ph\u01b0\u01a1ng Trang, NH \u0110\u1ea1i T\u00edn v\u00e0 b\u00e0 H\u1ee9a Th\u1ecb Ph\u1ea5n, c\u00f3 th\u1ec3 ph\u1ea3i c\u00f3 m\u1ed1i quan h\u1ec7 th\u00e2n thi\u1ebft ho\u1eb7c c\u00f3 m\u1ed9t th\u1ecfa thu\u1eadn n\u00e0o \u0111\u00f3 trong quan h\u1ec7 t\u00edn d\u1ee5ng th\u00ec c\u00f4ng ty n\u00e0y m\u1edbi ch\u1ea5p nh\u1eadn cho NH gi\u1ea3i ng\u00e2n tr\u01b0\u1edbc 3.936 t\u1ec9 \u0111\u1ed3ng, r\u1ed3i sau \u0111\u00f3 b\u00e0 Ph\u1ea5n m\u1edbi l\u1ee3i d\u1ee5ng k\u1ebd h\u1edf n\u00e0y, “t\u1ef1 bi\u00ean t\u1ef1 di\u1ec5n” h\u01a1n 5.200 t\u1ec9 \u0111\u1ed3ng c\u00f2n l\u1ea1i. B\u1edfi v\u1ec1 nguy\u00ean t\u1eafc, v\u1edbi nh\u1eefng kho\u1ea3n vay th\u00f4ng th\u01b0\u1eddng, NH n\u00e0o c\u0169ng c\u1eed c\u00e1n b\u1ed9 k\u1ebf to\u00e1n, c\u00e1n b\u1ed9 t\u00edn d\u1ee5ng theo d\u00f5i, th\u00f4ng b\u00e1o cho kh\u00e1ch h\u00e0ng bi\u1ebft s\u1ed1 ti\u1ec1n \u0111\u00e3 vay, s\u1ed1 ti\u1ec1n l\u00e3i v\u00e0 v\u1ed1n ph\u1ea3i tr\u1ea3 cho NH, n\u00ean C\u00f4ng ty Ph\u01b0\u01a1ng Trang kh\u00f4ng th\u1ec3 kh\u00f4ng bi\u1ebft n\u1ebfu NH \u0111\u00e3 th\u1ef1c s\u1ef1 gi\u1ea3i ng\u00e2n\u2026<\/p>\n

Theo TS-LS B\u00f9i Quang T\u00edn, \u0110o\u00e0n Lu\u1eadt s\u01b0 TP HCM, trong tr\u01b0\u1eddng h\u1ee3p C\u00f4ng ty Ph\u01b0\u01a1ng Trang k\u00fd nh\u1eadn kh\u1ebf \u01b0\u1edbc vay 9.437 t\u1ec9 \u0111\u1ed3ng, theo Th\u00f4ng t\u01b0 39 c\u1ee7a NH Nh\u00e0 n\u01b0\u1edbc v\u1ec1 cho vay, \u0111\u00e2y l\u00e0 kho\u1ea3n vay t\u1eebng l\u1ea7n. NH th\u01b0\u01a1ng m\u1ea1i c\u00f3 th\u1ec3 gi\u1ea3i ng\u00e2n m\u1ed9t l\u1ea7n ho\u1eb7c nhi\u1ec1u l\u1ea7n theo y\u00eau c\u1ea7u c\u1ee7a kh\u00e1ch h\u00e0ng v\u00e0 b\u00ean vay ph\u1ea3i c\u00f3 tr\u00e1ch nhi\u1ec7m \u0111\u1ed1i v\u1edbi to\u00e0n b\u1ed9 s\u1ed1 ti\u1ec1n vay. Tuy nhi\u00ean, tr\u00ean th\u1ef1c t\u1ebf, C\u00f4ng ty Ph\u01b0\u01a1ng Trang kh\u00f4ng nh\u1eadn \u0111\u1ee7 s\u1ed1 ti\u1ec1n \u0111\u01b0\u1ee3c th\u1ec3 hi\u1ec7n trong kh\u1ebf \u01b0\u1edbc vay, c\u00f2n NH \u0110\u1ea1i T\u00edn l\u1ea1i chuy\u1ec3n s\u1ed1 ti\u1ec1n c\u00f2n l\u1ea1i \u0111\u1ebfn \u0111\u1ecba ch\u1ec9 c\u1ee7a ng\u01b0\u1eddi kh\u00e1c, cho th\u1ea5y kho\u1ea3n vay c\u00f3 d\u1ea5u hi\u1ec7u th\u00f4ng \u0111\u1ed3ng, gian l\u1eadn mang t\u00ednh h\u00ecnh s\u1ef1. Do \u0111\u00f3, ai l\u00e0 b\u00ean gian l\u1eadn, c\u01a1 quan \u0111i\u1ec1u tra \u0111\u00e3 c\u00f3 k\u1ebft lu\u1eadn v\u00e0 tr\u00ean c\u01a1 s\u1edf n\u00e0y, t\u00f2a \u00e1n s\u1ebd \u0111\u01b0a ra ph\u00e1n quy\u1ebft c\u00f4ng minh.<\/p>\n

“D\u00f9 vi\u1ec7c k\u00fd “\u0111\u00e3 nh\u1eadn ti\u1ec1n” nh\u01b0ng sau \u0111\u00f3 m\u1edbi gi\u1ea3i ng\u00e2n l\u00e0 th\u00f4ng l\u1ec7 kh\u00e1 ph\u1ed5 bi\u1ebfn trong ng\u00e0nh NH song Lu\u1eadt C\u00e1c t\u1ed5 ch\u1ee9c t\u00edn d\u1ee5ng kh\u00f4ng quy \u0111\u1ecbnh r\u00f5 \u0111i\u1ec1u n\u00e0y nh\u01b0ng \u0111\u00e2y l\u1ea1i l\u00e0 chuy\u1ec7n kh\u00e1 ph\u1ed5 bi\u1ebfn \u0111\u01b0\u1ee3c c\u00e1c NH \u00e1p d\u1ee5ng” – Lu\u1eadt s\u01b0 Tr\u01b0\u01a1ng Thanh \u0110\u1ee9c, chuy\u00ean gia t\u00e0i ch\u00ednh NH, nh\u00ecn nh\u1eadn. Theo nguy\u00ean t\u1eafc th\u00f4ng th\u01b0\u1eddng, kh\u00e1ch h\u00e0ng l\u00e0 doanh nghi\u1ec7p k\u00fd h\u1ee3p \u0111\u1ed3ng t\u00edn d\u1ee5ng xong, k\u00fd nh\u1eadn kh\u1ebf \u01b0\u1edbc nh\u1eadn n\u1ee3 v\u00e0 nh\u1eadn ti\u1ec1n r\u1ed3i, NH m\u1edbi \u0111\u00f3ng d\u1ea5u “\u0111\u00e3 nh\u1eadn ti\u1ec1n”. Song, tr\u00ean th\u1ef1c t\u1ebf, NH n\u00e0o c\u0169ng y\u00eau c\u1ea7u kh\u00e1ch h\u00e0ng ph\u1ea3i k\u00fd h\u1ebft c\u00e1c th\u1ee7 t\u1ee5c, h\u1ed3 s\u01a1, ch\u1ee9ng t\u1eeb\u2026, sau \u0111\u00f3 m\u1edbi ti\u1ebfn h\u00e0nh gi\u1ea3i ng\u00e2n.<\/em><\/p>\n

\u00c1p d\u1ee5ng th\u00f4ng l\u1ec7 n\u00e0y v\u00e0o v\u1ee5 C\u00f4ng ty Ph\u01b0\u01a1ng Trang v\u00e0 b\u00e0 H\u1ee9a Th\u1ecb Ph\u1ea5n cho th\u1ea5y c\u00f4ng ty k\u00fd v\u00e0o h\u1ed3 s\u01a1 “\u0111\u00e3 nh\u1eadn ti\u1ec1n” nh\u01b0ng th\u1ef1c ch\u1ea5t l\u1ea1i ch\u01b0a \u0111\u01b0\u1ee3c gi\u1ea3i ng\u00e2n, c\u01a1 quan \u0111i\u1ec1u tra \u0111\u00e3 c\u00f3 k\u1ebft lu\u1eadn v\u00e0 h\u1ed9i \u0111\u1ed3ng x\u00e9t x\u1eed c\u1ea7n l\u00e0m r\u00f5. B\u1edfi l\u1ebd, n\u1ebfu \u0111\u00e3 nh\u1eadn ti\u1ec1n th\u1eadt s\u1ef1 th\u00ec qu\u00e1 tr\u00ecnh n\u00e0y s\u1ebd ph\u1ea3i c\u00f3 h\u1ed3 s\u01a1, b\u00fat to\u00e1n chuy\u1ec3n ti\u1ec1n, ch\u1eef k\u00fd c\u1ee7a ng\u01b0\u1eddi nh\u1eadn, ghi s\u1ed5 v\u00e0o \u0111\u00e2u ch\u1ee9 kh\u00f4ng ch\u1ec9 \u0111\u01a1n thu\u1ea7n l\u00e0 d\u1ea5u m\u1ed9c “\u0111\u00e3 nh\u1eadn ti\u1ec1n” tr\u00ean h\u1ed3 s\u01a1 t\u00edn d\u1ee5ng.<\/p>\n

Theo t\u00ecm hi\u1ec3u c\u1ee7a ph\u00f3ng vi\u00ean B\u00e1o\u00a0Ng\u01b0\u1eddi Lao \u0110\u1ed9ng<\/em>, m\u1ed9t quy tr\u00ecnh h\u1ee3p \u0111\u1ed3ng t\u00edn d\u1ee5ng gi\u1eefa kh\u00e1ch h\u00e0ng v\u00e0 NH t\u1eeb khi k\u00fd h\u1ee3p \u0111\u1ed3ng \u0111\u1ebfn gi\u1ea3i ng\u00e2n g\u1ed3m r\u1ea5t nhi\u1ec1u kh\u00e2u: k\u00fd h\u1ee3p \u0111\u1ed3ng t\u00edn d\u1ee5ng, c\u0103n c\u1ee9 v\u00e0o h\u1ee3p \u0111\u1ed3ng s\u1ebd k\u00fd nh\u1eadn n\u1ee3, gi\u1ea3i ng\u00e2n cho ai\u2026 “Ph\u1ea3i c\u00f3 \u00edt nh\u1ea5t 2 b\u1ed9 ph\u1eadn kh\u00e1c nhau c\u1ee7a NH tham gia m\u1ed9t h\u1ee3p \u0111\u1ed3ng t\u00edn d\u1ee5ng v\u1edbi NH, t\u1eeb c\u00e1n b\u1ed9 t\u00edn d\u1ee5ng, b\u1ed9 ph\u1eadn ki\u1ec3m so\u00e1t, k\u1ebf to\u00e1n, ng\u00e2n qu\u1ef9\u2026 Do \u0111\u00f3, l\u1ed7 h\u1ed5ng ki\u1ec3m so\u00e1t c\u1ee7a NH ph\u1ea3i r\u1ea5t l\u1edbn m\u1edbi c\u00f3 th\u1ec3 b\u1ecb l\u1ee3i d\u1ee5ng, chi\u1ebfm \u0111o\u1ea1t ti\u1ec1n c\u1ee7a NH ho\u1eb7c \u0111\u1ea9y n\u1ee3 kh\u1ed1ng cho kh\u00e1ch h\u00e0ng vay” – \u0111\u1ea1i di\u1ec7n m\u1ed9t NH c\u1ed5 ph\u1ea7n t\u1ea1i TP HCM ph\u00e2n t\u00edch.<\/p>\n

L\u00e3nh \u0111\u1ea1o NH mu\u1ed1n sao, c\u1ea5p d\u01b0\u1edbi l\u00e0m theo v\u1eady!<\/p>\n

\u0110\u1ec3 th\u1ef1c hi\u1ec7n \u0111\u01b0\u1ee3c phi v\u1ee5 \u0111\u1ea9y d\u01b0 n\u1ee3 kh\u1ed1ng h\u01a1n 5.000 t\u1ec9 \u0111\u1ed3ng sang C\u00f4ng ty Ph\u01b0\u01a1ng Trang, trong NH \u0110\u1ea1i T\u00edn ph\u1ea3i c\u00f3 l\u1ed7 h\u1ed5ng qu\u1ea3n tr\u1ecb r\u1ea5t l\u1edbn. \u0110i\u1ec1u n\u00e0y kh\u00e1 d\u1ec5 hi\u1ec3u, b\u1edfi b\u00e0 H\u1ee9a Th\u1ecb Ph\u1ea5n l\u00e0 “t\u1ed5ng \u0111\u1ea1o di\u1ec5n” do n\u1eafm h\u01a1n 83% c\u1ed5 ph\u1ea7n NH n\u00e0y v\u00e0 thao t\u00fang to\u00e0n di\u1ec7n m\u1ecdi ho\u1ea1t \u0111\u1ed9ng. T\u1ea1i phi\u00ean x\u00e9t x\u1eed h\u00f4m 14-5, h\u1ea7u h\u1ebft c\u00e1c b\u1ecb c\u00e1o \u0111\u1ed3ng ph\u1ea1m c\u1ee7a b\u00e0 Ph\u1ea5n \u0111\u1ec1u khai nh\u1eadn l\u00e0m theo ch\u1ec9 \u0111\u1ea1o c\u1ee7a th\u01b0\u1ee3ng c\u1ea5p.<\/p>\n

TH\u00c1I PH\u01af\u01a0NG – THY TH\u01a0<\/strong><\/p>\n

——-<\/p>\n

Ng\u01b0\u1eddi lao \u0111\u1ed9ng (Kinh t\u1ebf) 16-5-2018:<\/em><\/strong><\/p>\n

https:\/\/nld.com.vn\/kinh-te\/cam-bay-ky-nhan-truoc-giai-ngan-sau-20180515201942629.htm<\/em><\/a><\/p>\n

(121\/1.584)<\/em>","protected":false},"excerpt":{"rendered":"

(NL\u0110) – “K\u00fd nh\u1eadn tr\u01b0\u1edbc – gi\u1ea3i ng\u00e2n sau” l\u00e0 th\u00f4ng l\u1ec7 ph\u1ed5 bi\u1ebfn trong giao d\u1ecbch t\u00edn d\u1ee5ng, d\u1ef1a v\u00e0o ni\u1ec1m tin \u0111\u1ed1i v\u1edbi b\u00ean cho vay. Khi b\u00ean cho vay ch\u1ee7 \u00fd l\u1eadt l\u1ecdng th\u00ec ng\u01b0\u1eddi vay l\u00e3nh \u0111\u1ee7, tr\u01b0\u1eddng h\u1ee3p C\u00f4ng ty Ph\u01b0\u01a1ng Trang b\u1ecb TrustBank \u0111\u1ea9y d\u01b0 n\u1ee3 kh\u1ed1ng h\u01a1n 5.000 […]<\/p>\n","protected":false},"author":3,"featured_media":18044,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":""},"categories":[27,26],"tags":[],"class_list":["post-18043","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-interviews","category-legal-media"],"acf":[],"yoast_head":"\n2.166. C\u1ea1m b\u1eaby "k\u00fd nh\u1eadn tr\u01b0\u1edbc - gi\u1ea3i ng\u00e2n sau" - 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\/vi\/2-166-cam-bay-ky-nhan-truoc-giai-ngan-sau\/\" \/>\n<meta property=\"og:locale\" content=\"vi_VN\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"[:vi]2.166. C\u1ea1m b\u1eaby "k\u00fd nh\u1eadn tr\u01b0\u1edbc - gi\u1ea3i ng\u00e2n sau"[:] - ANVI Law Firm\" \/>\n<meta property=\"og:description\" content=\"(NL\u0110) – “K\u00fd nh\u1eadn tr\u01b0\u1edbc – gi\u1ea3i ng\u00e2n sau” l\u00e0 th\u00f4ng l\u1ec7 ph\u1ed5 bi\u1ebfn trong giao d\u1ecbch t\u00edn d\u1ee5ng, d\u1ef1a v\u00e0o ni\u1ec1m tin \u0111\u1ed1i v\u1edbi b\u00ean cho vay. 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