{"id":18077,"date":"2017-02-20T11:43:22","date_gmt":"2017-02-20T04:43:22","guid":{"rendered":"https:\/\/anvilaw.com\/vi\/?p=18077"},"modified":"2022-04-15T19:29:21","modified_gmt":"2022-04-15T12:29:21","slug":"1-525-cam-cho-vay-dao-no-buc-tranh-no-xau-se-thuc-chat-hon","status":"publish","type":"post","link":"https:\/\/anvilaw.com\/vi\/1-525-cam-cho-vay-dao-no-buc-tranh-no-xau-se-thuc-chat-hon\/","title":{"rendered":"1.525. C\u1ea5m cho vay \u0111\u1ea3o n\u1ee3: B\u1ee9c tranh n\u1ee3 x\u1ea5u s\u1ebd th\u1ef1c ch\u1ea5t h\u01a1n!"},"content":{"rendered":"(D\u0110DN) \u2013 V\u1edbi quy \u0111\u1ecbnh c\u1ea5m cho vay \u0111\u1ea3o n\u1ee3 trong Th\u00f4ng t\u01b0 39 c\u1ee7a Ng\u00e2n h\u00e0ng Nh\u00e0 n\u01b0\u1edbc (NHNN) th\u00ec c\u00e1c ng\u00e2n h\u00e0ng v\u00e0 doanh nghi\u1ec7p s\u1ebd kh\u00f4ng th\u1ec3 b\u1eaft tay v\u1edbi nhau \u201cl\u00e0m xi\u1ebfc\u201d n\u1ee3 x\u1ea5u th\u00f4ng qua cho vay n\u1ee3 m\u1edbi, tr\u1ea3 n\u1ee3 c\u0169.<\/strong><\/p>\n

\"\"<\/p>\n

V\u1edbi quy \u0111\u1ecbnh c\u1ea5m cho vay \u0111\u1ea3o n\u1ee3 trong Th\u00f4ng t\u01b0 39 c\u1ee7a Ng\u00e2n h\u00e0ng Nh\u00e0 n\u01b0\u1edbc (NHNN) th\u00ec c\u00e1c ng\u00e2n h\u00e0ng v\u00e0 doanh nghi\u1ec7p s\u1ebd kh\u00f4ng th\u1ec3 b\u1eaft tay v\u1edbi nhau \u201cl\u00e0m xi\u1ebfc\u201d n\u1ee3 x\u1ea5u th\u00f4ng qua cho vay n\u1ee3 m\u1edbi, tr\u1ea3 n\u1ee3 c\u0169. (\u1ea2nh minh h\u1ecda: Internet)<\/p>\n

Theo Th\u00f4ng t\u01b0 39 v\u1eeba \u0111\u01b0\u1ee3c NHNN ban h\u00e0nh, t\u1eeb ng\u00e0y 15\/3 t\u1edbi, kh\u00e1ch h\u00e0ng kh\u00f4ng c\u00f2n \u0111\u01b0\u1ee3c ph\u00e9p vay v\u1ed1n \u0111\u1ec3 \u0111\u1ea3o n\u1ee3 (l\u1ea5y n\u1ee3 m\u1edbi tr\u1ea3 n\u1ee3 c\u0169). Vi\u1ec7c cho vay tu\u1ea7n ho\u00e0n ch\u1ec9 \u00e1p d\u1ee5ng v\u1edbi doanh nghi\u1ec7p kh\u00f4ng c\u00f3 n\u1ee3 x\u1ea5u. C\u00e1c chuy\u00ean gia nh\u00ecn nh\u1eadn, khi quy \u0111\u1ecbnh c\u1ea5m cho vay \u0111\u1ea3o n\u1ee3 \u0111\u01b0\u1ee3c th\u1ef1c thi, vi\u1ec7c che gi\u1ea5u n\u1ee3 x\u1ea5u, n\u1ee3 qu\u00e1 h\u1ea1n s\u1ebd ph\u1ea7n n\u00e0o b\u1ecb h\u1ea1n ch\u1ebf; b\u1ee9c tranh n\u1ee3 x\u1ea5u, n\u1ee3 qu\u00e1 h\u1ea1n s\u1ebd s\u00e1ng r\u00f5 v\u00e0 \u0111i v\u00e0o th\u1ef1c ch\u1ea5t h\u01a1n.<\/p>\n

H\u1ebft c\u1eeda \u201cl\u00e1ch lu\u1eadt\u201d<\/strong><\/p>\n

Th\u1eddi gian qua \u0111\u00e3 c\u00f3 nhi\u1ec1u ng\u00e2n h\u00e0ng l\u1ee3i d\u1ee5ng k\u1ebd h\u1edf c\u1ee7a quy ch\u1ebf cho vay c\u0169 1627 \u0111\u1ec3 cho vay \u0111\u1ea3o n\u1ee3, m\u1ed9t m\u1eb7t \u0111\u1ec3 t\u0103ng d\u01b0 n\u1ee3, m\u1eb7t kh\u00e1c t\u0103ng l\u1ee3i nhu\u1eadn. \u0110i\u1ec1u n\u00e0y \u0111\u00e3 t\u1ea1o \u0111i\u1ec1u ki\u1ec7n v\u00e0 k\u1ebd h\u1edf cho c\u00e1c DN c\u00f3 nhi\u1ec1u n\u1ee3 x\u1ea5u vay, khi\u1ebfn t\u00ecnh tr\u1ea1ng n\u1ee3 x\u1ea5u ng\u00e0y c\u00e0ng t\u0103ng.<\/p>\n

Th\u1ef1c t\u1ebf v\u1eeba qua, \u0111\u00e3 c\u00f3 nhi\u1ec1u ng\u00e2n h\u00e0ng nh\u1ecf kh\u00f4ng tr\u00edch l\u1eadp d\u1ef1 ph\u00f2ng theo Th\u00f4ng t\u01b0 06 v\u00e0 Th\u00f4ng t\u01b0 02 c\u1ee7a NHNN, \u0111i\u1ec1u n\u00e0y minh ch\u1ee9ng vi\u1ec7c nhi\u1ec1u NHTM do c\u00f3 n\u1ee3 x\u1ea5u nhi\u1ec1u n\u00ean gi\u1ea5u \u0111i vi\u1ec7c tr\u00edch l\u1eadp d\u1ef1 ph\u00f2ng, ho\u1eb7c tr\u00edch l\u1eadp d\u1ef1 ph\u00f2ng kh\u00f4ng \u0111\u1ea7y \u0111\u1ee7, trong \u0111\u00f3 nguy\u00ean nh\u00e2n \u00e1p d\u1ee5ng h\u00ecnh th\u1ee9c \u0111\u1ea3o n\u1ee3.<\/p>\n

C\u1ee5 th\u1ec3, cu\u1ed1i n\u0103m ngo\u00e1i, C\u00f4ng ty CP Ho\u00e0ng Anh Gia Lai (HAGL) g\u00e2y s\u1ed1c cho th\u1ecb tr\u01b0\u1eddng khi th\u00f4ng b\u00e1o ph\u00e1t h\u00e0nh th\u00e0nh c\u00f4ng 930 t\u1ef7 \u0111\u1ed3ng tr\u00e1i phi\u1ebfu cho m\u1ed9t t\u1ed5 ch\u1ee9c t\u00edn d\u1ee5ng. Theo nh\u1eadn \u0111\u1ecbnh c\u1ee7a gi\u1edbi ph\u00e2n t\u00edch, nhi\u1ec1u kh\u1ea3 n\u0103ng, \u0111\u00e2y l\u00e0 gi\u1ea3i ph\u00e1p \u0111\u1ea3o n\u1ee3 \u0111\u01b0\u1ee3c HAGL v\u00e0 ch\u1ee7 n\u1ee3 (m\u1ed9t ng\u00e2n h\u00e0ng th\u01b0\u01a1ng m\u1ea1i) ti\u1ebfn h\u00e0nh, b\u1edfi doanh nghi\u1ec7p n\u00e0y \u0111ang n\u1ee3 c\u00e1c ng\u00e2n h\u00e0ng l\u00ean t\u1edbi g\u1ea7n 26.000 t\u1ef7 \u0111\u1ed3ng. N\u1ebfu kh\u00f4ng \u201c\u0111\u1ea3o n\u1ee3\u201d, HAGL c\u00f3 th\u1ec3 l\u00e2m v\u00e0o t\u00ecnh th\u1ebf kh\u00f3 kh\u0103n, g\u00e2y s\u1ee9c \u00e9p kh\u00f4ng ch\u1ec9 v\u1edbi doanh nghi\u1ec7p m\u00e0 v\u1edbi c\u1ea3 ng\u00e2n h\u00e0ng.<\/p>\n

Trong b\u1ed1i c\u1ea3nh hi\u1ec7n nay, khi m\u00e0 doanh nghi\u1ec7p c\u1ea7n h\u1ed7 tr\u1ee3 v\u1ed1n s\u1ea3n xu\u1ea5t kinh doanh, c\u00f2n ng\u00e2n h\u00e0ng c\u1ea7n gi\u1ea3m thi\u1ec3u n\u1ee3 x\u1ea5u, th\u00ec vi\u1ec7c cho vay \u0111\u1ea3o n\u1ee3 d\u01b0\u1eddng nh\u01b0 c\u00f3 l\u1ee3i cho c\u1ea3 doanh nghi\u1ec7p v\u00e0 ng\u00e2n h\u00e0ng.<\/p>\n

\u0110\u1ea1i di\u1ec7n m\u1ed9t doanh nghi\u1ec7p l\u00e0m trong l\u0129nh v\u1ef1c xu\u1ea5t nh\u1eadp kh\u1ea9u cho bi\u1ebft, khi kinh t\u1ebf c\u00f2n kh\u00f3 kh\u0103n, ho\u1ea1t \u0111\u1ed9ng s\u1ea3n xu\u1ea5t kinh doanh kh\u00f4ng hi\u1ec7u qu\u1ea3, l\u1ee3i nhu\u1eadn kh\u00f4ng nhi\u1ec1u th\u00ec kh\u00f4ng th\u1ec3 c\u00f3 ti\u1ec1n \u0111\u1ec3 tr\u1ea3 n\u1ee3 g\u1ed1c v\u00e0 l\u00e3i cho ng\u00e2n h\u00e0ng \u0111\u01b0\u1ee3c. R\u00f5 r\u00e0ng nhu c\u1ea7u vay \u0111\u1ea3o n\u1ee3 c\u1ee7a doanh nghi\u1ec7p s\u1ebd ng\u00e0y c\u00e0ng t\u0103ng th\u00eam khi kinh t\u1ebf ch\u01b0a ph\u1ee5c h\u1ed3i, n\u1ee3 x\u1ea5u ch\u01b0a gi\u1ea3m v\u00e0 l\u00e3i su\u1ea5t cho vay h\u1ea1 xu\u1ed1ng.<\/p>\n

Theo lu\u1eadt s\u01b0 Tr\u01b0\u01a1ng Thanh \u0110\u1ee9c,<\/em>Gi\u00e1m \u0111\u1ed1c C\u00f4ng ty Lu\u1eadt TNHH ANVI\u00a0<\/em>vi\u1ec7c cho vay \u0111\u1ea3o n\u1ee3 ti\u1ec1m \u1ea9n r\u1ea5t nhi\u1ec1u nguy c\u01a1, \u0111\u1eb7c bi\u1ec7t l\u00e0 nguy c\u01a1 che gi\u1ea5u n\u1ee3 x\u1ea5u. Nh\u01b0 v\u1eady, \u0111i\u1ec1u n\u00e0y \u0111\u1ed3ng ngh\u0129a v\u1edbi vi\u1ec7c b\u00e1o c\u00e1o v\u1ec1 t\u00ecnh tr\u1ea1ng n\u1ee3 x\u1ea5u c\u1ee7a c\u00e1c ng\u00e2n h\u00e0ng kh\u00f4ng \u0111\u01b0\u1ee3c ph\u1ea3n \u00e1nh m\u1ed9t c\u00e1ch ch\u00ednh x\u00e1c. Ngo\u00e0i ra, c\u00e1c t\u1ed5 ch\u1ee9c t\u00edn d\u1ee5ng c\u00f3 th\u1ec3 n\u1edbi l\u1ecfng h\u01a1n trong vi\u1ec7c cho vay v\u00ec n\u1ebfu c\u1ea7n thi\u1ebft c\u00f3 th\u1ec3 \u0111\u1ea3o n\u1ee3.<\/em><\/p>\n

L\u00e3nh \u0111\u1ea1o m\u1ed9t ng\u00e2n h\u00e0ng t\u1eebng n\u00f3i r\u1eb1ng vi\u1ec7c \u0111i vay \u0111\u1ec3 tr\u1ea3 n\u1ee3 trong khi ngu\u1ed3n tr\u1ea3 n\u1ee3 kh\u00f4ng c\u00f3 th\u1ef1c gi\u1ed1ng nh\u01b0 con r\u1eafn t\u1ef1 c\u1eafn \u0111u\u00f4i m\u00ecnh. Do \u0111\u00f3, v\u1edbi vi\u1ec7c ra \u0111\u1eddi c\u1ee7a Th\u00f4ng t\u01b0 39 trong \u0111\u00f3 c\u00f3 vi\u1ec7c ch\u1ea5m d\u1ee9t cho vay \u0111\u1ea3o n\u1ee3 \u0111\u01b0\u1ee3c gi\u1edbi chuy\u00ean gia \u0111\u00e1nh gi\u00e1 cao, b\u1edfi khi \u0111\u00f3 ch\u1ea5t l\u01b0\u1ee3ng t\u00edn d\u1ee5ng, t\u00ecnh h\u00ecnh n\u1ee3 x\u1ea5u, s\u1ee9c kh\u1ecfe ng\u00e2n h\u00e0ng v\u00e0 s\u1ee9c kh\u1ecfe doanh nghi\u1ec7p s\u1ebd \u0111\u01b0\u1ee3c nh\u00ecn nh\u1eadn th\u1ef1c ch\u1ea5t h\u01a1n.<\/p>\n

Nhi\u1ec1u doanh nghi\u1ec7p s\u1ebd g\u1eb7p kh\u00f3?<\/strong><\/p>\n

Theo nhi\u1ec1u nh\u1eadn \u0111\u1ecbnh, Quy\u1ebft \u0111\u1ecbnh n\u00e0y c\u1ee7a NHNN ch\u1eafc ch\u1eafn c\u0169ng s\u1ebd khi\u1ebfn nhi\u1ec1u doanh nghi\u1ec7p, \u0111\u1eb7c bi\u1ec7t c\u00e1c \u201c\u00f4ng l\u1edbn\u201d \u0111ang c\u00f3 kho\u1ea3n n\u1ee3 l\u1edbn t\u1ea1i c\u00e1c ng\u00e2n h\u00e0ng nh\u01b0 ng\u1ed3i tr\u00ean \u0111\u1ed1ng l\u1eeda. Ho\u1ea1t \u0111\u1ed9ng kinh doanh s\u1ebd c\u00e0ng c\u0103ng th\u1eb3ng h\u01a1n khi doanh nghi\u1ec7p kh\u00f4ng \u0111\u01b0\u1ee3c vay c\u00e1c kho\u1ea3n n\u1ee3 m\u1edbi \u0111\u1ec3 \u0111\u00e1o h\u1ea1n ho\u1eb7c k\u00e9o d\u00e0i th\u1eddi gian cho c\u00e1c kho\u1ea3n n\u1ee3 c\u0169.<\/p>\n

Th\u00f4ng t\u01b0 39 s\u1ebd \u201cl\u00e0m kh\u00f3\u201d cho m\u1ed9t s\u1ed1 doanh nghi\u1ec7p s\u1eafp \u0111\u1ebfn k\u1ef3 tr\u1ea3 n\u1ee3. Tr\u00ean th\u1ef1c t\u1ebf, trong l\u0129nh v\u1ef1c kinh doanh, kh\u00f4ng ph\u1ea3i l\u00fac n\u00e0o doanh nghi\u1ec7p (k\u1ec3 c\u1ea3 doanh nghi\u1ec7p l\u00e0m \u0103n t\u1ed1t) c\u0169ng g\u1eb7p thu\u1eadn l\u1ee3i v\u1ec1 th\u1ecb tr\u01b0\u1eddng, kh\u00e1ch h\u00e0ng, nh\u00e0 cung c\u1ea5p hay t\u00ecnh h\u00ecnh kinh t\u1ebf, m\u00f4i tr\u01b0\u1eddng\u2026 Do \u0111\u00f3, n\u1ebfu c\u00e1c quy \u0111\u1ecbnh v\u1ec1 tu\u1ea7n ho\u00e0n n\u1ee3 si\u1ebft ch\u1eb7t qu\u00e1 c\u00f3 th\u1ec3 s\u1ebd khi\u1ebfn doanh nghi\u1ec7p ph\u1ea3i ch\u1ecbu thi\u1ec7t th\u00f2i nh\u1ea5t \u0111\u1ecbnh, th\u1eadm ch\u00ed b\u1ecb vu\u1ed9t m\u1ea5t c\u01a1 h\u1ed9i ph\u1ee5c h\u1ed3i, t\u0103ng tr\u01b0\u1edfng ch\u1ec9 v\u00ec thi\u1ebfu v\u1ed1n.<\/p>\n

M\u1eb7c d\u00f9 Th\u00f4ng t\u01b0 c\u1ee7a NHNN c\u1ea5m cho vay \u0111\u1ea3o n\u1ee3 nh\u01b0ng l\u1ea1i m\u1edf cho vay tu\u1ea7n ho\u00e0n. Tuy v\u1eady, v\u1ec1 ph\u00eda ng\u00e2n h\u00e0ng th\u01b0\u01a1ng m\u1ea1i, nhi\u1ec1u l\u00e3nh \u0111\u1ea1o ng\u00e2n h\u00e0ng cho r\u1eb1ng, vi\u1ec7c si\u1ebft vay tu\u1ea7n ho\u00e0n, vay quay v\u00f2ng\u2026 c\u1ee7a NHNN \u0111\u1ec3 \u0111\u1ec1 ph\u00f2ng r\u1ee7i ro l\u00e0 c\u1ea7n thi\u1ebft, nh\u01b0ng c\u1ea7n n\u1edbi l\u1ecfng th\u00eam m\u1ed9t ch\u00fat.<\/p>\n

B\u1edfi, c\u00e1c quy \u0111\u1ecbnh n\u00e0y \u0111\u1ec1u r\u1ea5t ch\u1eb7t ch\u1ebd v\u1ec1 \u0111i\u1ec1u ki\u1ec7n \u00e1p d\u1ee5ng, n\u00ean c\u00f3 th\u1ec3 v\u1eabn l\u00e0 tr\u1edf ng\u1ea1i cho c\u00e1c doanh nghi\u1ec7p l\u00e0m \u0103n nghi\u00eam t\u00fac c\u1ea7n vay v\u1ed1n. V\u00ed d\u1ee5 nh\u01b0, h\u00ecnh th\u1ee9c cho vay tu\u1ea7n ho\u00e0n ch\u1ec9 \u00e1p d\u1ee5ng \u0111\u1ed1i v\u1edbi kho\u1ea3n vay ng\u1eafn h\u1ea1n v\u00e0 kh\u00e1ch h\u00e0ng kh\u00f4ng c\u00f3 ph\u00e1t sinh n\u1ee3 x\u1ea5u. \u0110i\u1ec1u n\u00e0y c\u00f3 th\u1ec3 g\u00e2y kh\u00f3 kh\u0103n cho doanh nghi\u1ec7p v\u00ec kh\u00f4ng ph\u1ea3i doanh nghi\u1ec7p n\u00e0o c\u0169ng c\u00f3 th\u1ec3 thu h\u1ed3i v\u1ed1n ng\u1eafn h\u1ea1n \u0111\u1ec3 tr\u1ea3 n\u1ee3 ng\u00e2n h\u00e0ng hay c\u0169ng c\u00f3 nh\u1eefng doanh nghi\u1ec7p c\u00f3 th\u1eddi gian \u201cn\u1ee3 x\u1ea5u\u201d r\u1ea5t ng\u1eafn ho\u1eb7c c\u00e1c kho\u1ea3n \u201cn\u1ee3 x\u1ea5u\u201d th\u1ea5p, trong khi t\u00ecnh h\u00ecnh kinh doanh c\u1ee7a doanh nghi\u1ec7p v\u1eabn ph\u00e1t tri\u1ec3n.<\/p>\n

Tr\u01b0\u1edbc \u0111\u00f3, v\u00e0o h\u1ed3i cu\u1ed1i n\u0103m 2016, t\u1ea1i Di\u1ec5n \u0111\u00e0n Doanh nghi\u1ec7p Vi\u1ec7t Nam 2016 (VBF 2016), \u0111\u1ea1i di\u1ec7n Kocham \u0111\u00e3 \u0111\u01b0a ra nhi\u1ec1u v\u1ea5n \u0111\u1ec1 li\u00ean quan \u0111\u1ebfn vi\u1ec7c cho vay trong h\u1ec7 th\u1ed1ng ng\u00e2n h\u00e0ng. Theo \u00f4ng Han Dong Hee \u2013 Ch\u1ee7 t\u1ecbch Kocham, \u201cCh\u00fang t\u00f4i cho r\u1eb1ng, vi\u1ec7c c\u1ea5m cho vay \u0111\u1ec3 \u0111\u1ea3o n\u1ee3 l\u00e0 nh\u1eb1m m\u1ee5c \u0111\u00edch ng\u0103n ch\u1eb7n hi\u1ec7n t\u01b0\u1ee3ng g\u1ecdi l\u00e0 \u201cc\u01b0\u1edbp Peter \u0111\u1ec3 tr\u1ea3 Paul\u201d. C\u00e1c doanh nghi\u1ec7p vay ti\u1ec1n m\u1ed9t c\u00e1ch li\u1ec1u l\u0129nh v\u00e0 m\u1ea1o hi\u1ec3m c\u00f3 th\u1ec3 d\u1eabn \u0111\u1ebfn ph\u00e1 s\u1ea3n, \u1ea3nh h\u01b0\u1edfng x\u1ea5u \u0111\u1ebfn n\u1ec1n kinh t\u1ebf, nh\u01b0ng vi\u1ec7c c\u1ea5m \u0111\u1ea3o n\u1ee3 khi\u1ebfn doanh nghi\u1ec7p g\u1eb7p kh\u00f3 kh\u0103n\u201d.<\/em><\/p>\n

Do \u0111\u00f3 \u00f4ng Han Dong Hee \u0111\u1ec1 xu\u1ea5t, c\u00e1c quy \u0111\u1ecbnh v\u1ec1 \u0111\u1ea3o n\u1ee3 n\u00ean \u0111\u01b0\u1ee3c \u00e1p d\u1ee5ng v\u1edbi \u0111\u1ed1i t\u01b0\u1ee3ng l\u00e0 ng\u00e2n h\u00e0ng Vi\u1ec7t Nam. Ngo\u00e0i ra, \u0111\u1ec1 ngh\u1ecb cho ph\u00e9p s\u1eed d\u1ee5ng 50% kho\u1ea3n vay \u0111\u1ec3 thanh to\u00e1n n\u1ee3.<\/p>\n

B\u00ean c\u1ea1nh \u0111\u00f3, c\u00e1c quy \u0111\u1ecbnh v\u1ec1 \u0111\u1ea3o n\u1ee3 kh\u00f4ng c\u1ea7n thi\u1ebft \u00e1p d\u1ee5ng v\u1edbi ng\u00e2n h\u00e0ng n\u01b0\u1edbc ngo\u00e0i v\u00ec c\u00e1c ng\u00e2n h\u00e0ng n\u00e0y c\u00f3 c\u00e1c c\u00f4ng c\u1ee5 an to\u00e0n khi gia h\u1ea1n kho\u1ea3n vay, tr\u00ean c\u01a1 s\u1edf xem x\u00e9t t\u1ed5ng m\u1ee9c t\u00edn d\u1ee5ng c\u1ee7a c\u00f4ng ty m\u1eb9 b\u00ean H\u00e0n Qu\u1ed1c v\u00e0 c\u00f4ng ty con \u1edf Vi\u1ec7t Nam, xem x\u00e9t c\u00e1c y\u1ebfu t\u1ed1 nh\u01b0 x\u1ebfp h\u1ea1ng t\u00edn d\u1ee5ng, kh\u1ea3 n\u0103ng tr\u1ea3 n\u1ee3, k\u1ebf ho\u1ea1ch kinh doanh t\u1ea1i th\u1eddi \u0111i\u1ec3m \u0111\u00e1nh gi\u00e1 kho\u1ea3n vay.<\/p>\n

Linh Nga<\/strong><\/p>\n

\u2014\u2014\u2014\u2014\u2013<\/em><\/strong><\/p>\n

Di\u1ec5n \u0111\u00e0n Doanh nghi\u1ec7p (Ng\u00e2n h\u00e0ng) 20-02-2017:<\/em><\/strong><\/p>\n

http:\/\/enternews.vn\/cam-cho-vay-dao-no-buc-tranh-no-xau-se-thuc-chat-hon.html<\/em><\/a><\/p>\n

(77\/1.303)<\/em><\/p>\n

 ","protected":false},"excerpt":{"rendered":"

(D\u0110DN) \u2013 V\u1edbi quy \u0111\u1ecbnh c\u1ea5m cho vay \u0111\u1ea3o n\u1ee3 trong Th\u00f4ng t\u01b0 39 c\u1ee7a Ng\u00e2n h\u00e0ng Nh\u00e0 n\u01b0\u1edbc (NHNN) th\u00ec c\u00e1c ng\u00e2n h\u00e0ng v\u00e0 doanh nghi\u1ec7p s\u1ebd kh\u00f4ng th\u1ec3 b\u1eaft tay v\u1edbi nhau \u201cl\u00e0m xi\u1ebfc\u201d n\u1ee3 x\u1ea5u th\u00f4ng qua cho vay n\u1ee3 m\u1edbi, tr\u1ea3 n\u1ee3 c\u0169. V\u1edbi quy \u0111\u1ecbnh c\u1ea5m cho vay \u0111\u1ea3o n\u1ee3 […]<\/p>\n","protected":false},"author":3,"featured_media":18078,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":""},"categories":[27,26],"tags":[],"class_list":["post-18077","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-interviews","category-legal-media"],"acf":[],"yoast_head":"\n1.525. 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