{"id":18118,"date":"2017-02-20T14:47:00","date_gmt":"2017-02-20T07:47:00","guid":{"rendered":"https:\/\/anvilaw.com\/vi\/?p=18118"},"modified":"2022-04-15T14:55:13","modified_gmt":"2022-04-15T07:55:13","slug":"1-526-khong-nen-lo-xa-voi-quy-dinh-cho-vay-moi","status":"publish","type":"post","link":"https:\/\/anvilaw.com\/vi\/1-526-khong-nen-lo-xa-voi-quy-dinh-cho-vay-moi\/","title":{"rendered":"1.526. Kh\u00f4ng n\u00ean \u201clo xa\u201d v\u1edbi quy \u0111\u1ecbnh cho vay m\u1edbi"},"content":{"rendered":"<strong>(TBNH) &#8211;\u00a0Vi\u1ec7c kinh doanh c\u1ee7a h\u1ed9 gia \u0111\u00ecnh do kh\u00f4ng c\u00f2n t\u01b0 c\u00e1ch ch\u1ee7 th\u1ec3, nh\u01b0ng c\u00e1c c\u00e1 nh\u00e2n v\u1eabn c\u00f3 th\u1ec3 vay v\u1ed1n kinh doanh v\u1edbi t\u01b0 c\u00e1ch c\u1ee7a ch\u00ednh c\u00e1 nh\u00e2n n\u00e0y. V\u00e0 v\u1ec1 nguy\u00ean t\u1eafc th\u00ec h\u1ec7 th\u1ed1ng NH v\u1eabn \u0111\u1ea3m b\u1ea3o ngu\u1ed3n v\u1ed1n t\u00edn d\u1ee5ng cho nhu c\u1ea7u kinh doanh c\u1ee7a c\u00e1c c\u00e1 nh\u00e2n.<\/strong><\/p>\n<p>Trong tu\u1ea7n qua, th\u1ecb tr\u01b0\u1eddng ti\u1ec1n t\u1ec7 \u0111\u01b0\u1ee3c ng\u01b0\u1eddi d\u00e2n kh\u00e1 quan t\u00e2m t\u1edbi nh\u1eefng th\u00f4ng tin li\u00ean quan v\u1ec1 quy \u0111\u1ecbnh ch\u1ee7 th\u1ec3 \u0111\u01b0\u1ee3c vay v\u1ed1n \u1edf c\u00e1c t\u1ed5 ch\u1ee9c t\u00edn d\u1ee5ng, ng\u00e2n h\u00e0ng (NH) theo Th\u00f4ng t\u01b0 39\/2016\/TT-NHNN quy \u0111\u1ecbnh ch\u1ee7 th\u1ec3 vay v\u1ed1n ch\u1ec9 bao g\u1ed3m c\u00e1 nh\u00e2n Vi\u1ec7t Nam, c\u00e1 nh\u00e2n c\u00f3 qu\u1ed1c t\u1ecbch n\u01b0\u1edbc ngo\u00e0i, ph\u00e1p nh\u00e2n th\u00e0nh l\u1eadp v\u00e0 ho\u1ea1t \u0111\u1ed9ng t\u1ea1i Vi\u1ec7t Nam, ph\u00e1p nh\u00e2n th\u00e0nh l\u1eadp \u1edf n\u01b0\u1edbc ngo\u00e0i v\u00e0 ho\u1ea1t \u0111\u1ed9ng h\u1ee3p ph\u00e1p t\u1ea1i Vi\u1ec7t Nam.<\/p>\n<p>Quy \u0111\u1ecbnh n\u00e0y kh\u00e1c v\u1edbi Quy\u1ebft \u0111\u1ecbnh 1627\/2001\/Q\u0110-NHNN ch\u1ee7 th\u1ec3 \u0111\u01b0\u1ee3c vay v\u1ed1n bao g\u1ed3m: t\u1ed5 ch\u1ee9c, c\u00e1 nh\u00e2n Vi\u1ec7t Nam v\u00e0 n\u01b0\u1edbc ngo\u00e0i, bao g\u1ed3m c\u00e1 nh\u00e2n, h\u1ed9 gia \u0111\u00ecnh, doanh nghi\u1ec7p t\u01b0 nh\u00e2n, t\u1ed5 h\u1ee3p t\u00e1c v\u00e0 c\u00e1c t\u1ed5 ch\u1ee9c kh\u00e1c c\u00f3 n\u0103ng l\u1ef1c ph\u00e1p lu\u1eadt d\u00e2n s\u1ef1.<\/p>\n<table width=\"453\">\n<tbody>\n<tr>\n<td><img loading=\"lazy\" decoding=\"async\" class=\"alignnone size-full wp-image-18128 img-fluid img-fluid\" src=\"https:\/\/anvilaw.com\/wp-content\/uploads\/2022\/04\/1526.png\" alt=\"\" width=\"360\" height=\"229\" \/><\/td>\n<\/tr>\n<tr>\n<td><em>\u1ea2nh minh h\u1ecda<\/em><\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<p>S\u1edf d\u0129 v\u1ea5n \u0111\u1ec1 \u201cai s\u1ebd \u0111\u01b0\u1ee3c vay v\u1ed1n NH?\u201d \u0111\u01b0\u1ee3c quan t\u00e2m \u0111\u1eb7c bi\u1ec7t l\u00e0 b\u1edfi hi\u1ec7n nay tr\u00ean th\u1ecb tr\u01b0\u1eddng t\u00e0i ch\u00ednh ti\u1ec1n t\u1ec7 \u201ck\u00eanh\u201d d\u1eabn v\u1ed1n t\u1eeb NH t\u1edbi ng\u01b0\u1eddi d\u00e2n v\u1eabn \u0111\u1eb7c bi\u1ec7t quan tr\u1ecdng, nh\u1ea5t l\u00e0 theo th\u1ed1ng k\u00ea hi\u1ec7n c\u1ea3 n\u01b0\u1edbc c\u00f3 kho\u1ea3ng tr\u00ean 5 tri\u1ec7u h\u1ed9 kinh doanh thu\u1ed9c di\u1ec7n n\u00e0y.<\/p>\n<p>Th\u1eadm ch\u00ed t\u1eeb nh\u1eefng quy \u0111\u1ecbnh m\u1edbi c\u1ee7a Th\u00f4ng t\u01b0 39 kh\u00f4ng \u00edt di\u1ec5n \u0111\u00e0n c\u00f2n hi\u1ec3u sai hay c\u1ed1 t\u00ecnh hi\u1ec3u sai r\u1eb1ng, NHNN mu\u1ed1n qua ch\u00ednh s\u00e1ch n\u00e0y \u0111\u1ec3 \u201cb\u1eaft\u201d c\u00e1c h\u1ed9 kinh doanh ph\u1ea3i \u0111\u0103ng k\u00fd th\u00e0nh l\u1eadp doanh nghi\u1ec7p \u0111\u1ec3 ho\u00e0n th\u00e0nh\u00a0 m\u1ee5c ti\u00eau 1 tri\u1ec7u doanh nghi\u1ec7p v\u00e0o n\u0103m 2020. C\u0169ng c\u00f3 ng\u01b0\u1eddi b\u0103n kho\u0103n v\u00e0 \u201clo xa\u201d r\u1eb1ng, khi ch\u1ee7 th\u1ec3 vay v\u1ed1n \u0111\u01b0\u1ee3c quy \u0111\u1ecbnh nh\u01b0 v\u1eady th\u00ec l\u00e3i su\u1ea5t cho vay c\u00f3 th\u1ec3 c\u0169ng thay \u0111\u1ed5i.<\/p>\n<p>T\u1ea5t nhi\u00ean, n\u00e2ng c\u1ea5p t\u1eeb h\u1ed9 kinh doanh l\u00ean th\u00e0nh doanh nghi\u1ec7p n\u1ebfu th\u1ea5y \u0111\u1ee7 \u0111i\u1ec1u ki\u1ec7n l\u00e0 c\u00e1i t\u1ed1t. V\u00ec d\u00f9 sao tr\u1edf th\u00e0nh doanh nghi\u1ec7p th\u00ec \u00edt nhi\u1ec1u n\u0103ng l\u1ef1c v\u1ec1 qu\u1ea3n tr\u1ecb c\u0169ng \u0111\u01b0\u1ee3c n\u00e2ng l\u00ean, doanh nghi\u1ec7p ho\u1ea1t \u0111\u1ed9ng chi\u1ebfn l\u01b0\u1ee3c b\u00e0i b\u1ea3n h\u01a1n, t\u1ea1o c\u01a1 h\u1ed9i l\u1edbn \u0111\u1ec3 ph\u00e1t tri\u1ec3n s\u1ea3n xu\u1ea5t kinh doanh b\u1ec1n v\u1eefng.<\/p>\n<p>Nh\u01b0ng ch\u1ee7 \u0111\u00edch c\u1ee7a c\u01a1 quan qu\u1ea3n l\u00fd khi ban h\u00e0nh Th\u00f4ng t\u01b0 39 l\u00e0 tri\u1ec3n khai theo c\u00e1c quy \u0111\u1ecbnh m\u1edbi c\u1ee7a B\u1ed9 lu\u1eadt D\u00e2n s\u1ef1 2015, c\u00f3 hi\u1ec7u l\u1ef1c t\u1eeb 1\/1\/2017 ch\u1ee9 kh\u00f4ng ph\u1ea3i l\u00e0 \u201cb\u1eaft\u201d th\u00e0nh l\u1eadp doanh nghi\u1ec7p. Hay n\u00f3i c\u00e1ch kh\u00e1c l\u00e0 quy \u0111\u1ecbnh v\u1ec1 ch\u1ee7 th\u1ec3 tham gia quan h\u1ec7 d\u00e2n s\u1ef1 (bao g\u1ed3m c\u1ea3 h\u1ee3p \u0111\u1ed3ng vay v\u1ed1n) ch\u1ec9 bao g\u1ed3m c\u00e1 nh\u00e2n, ph\u00e1p nh\u00e2n \u0111\u00e3 \u0111\u01b0\u1ee3c quy \u0111\u1ecbnh t\u1ea1i B\u1ed9 lu\u1eadt D\u00e2n s\u1ef1 2015.<\/p>\n<p><em>Lu\u1eadt s\u01b0 Tr\u01b0\u01a1ng Thanh \u0110\u1ee9c \u2013 Gi\u00e1m \u0111\u1ed1c C\u00f4ng ty Lu\u1eadt TNHH ANVI cho bi\u1ebft, trong tu\u1ea7n qua \u00f4ng nh\u1eadn \u0111\u01b0\u1ee3c kh\u00e1 nhi\u1ec1u c\u00e2u h\u1ecfi n\u00e0y t\u1eeb c\u1ea3 ph\u00eda gi\u1edbi truy\u1ec1n th\u00f4ng v\u00e0 nhi\u1ec1u ng\u01b0\u1eddi vay v\u1ed1n. V\u00e0 theo c\u00e1ch gi\u1ea3i th\u00edch kh\u00e1 c\u1eb7n k\u1ebd c\u1ee7a v\u1ecb lu\u1eadt s\u01b0 n\u00e0y th\u00ec hi\u1ec3u r\u1eb1ng, n\u1ebfu tr\u01b0\u1edbc \u0111\u00e2y \u0111\u1ed1i v\u1edbi h\u1ed9 gia \u0111\u00ecnh hay h\u1ed9 kinh doanh, 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 vay v\u1ed1n v\u1edbi NH, c\u00f2n t\u1eeb ng\u00e0y 15\/3\/2017 khi Th\u00f4ng t\u01b0 39 c\u00f3 hi\u1ec7u l\u1ef1c, 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. Trong tr\u01b0\u1eddng h\u1ee3p h\u1ed9 kinh doanh \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; Ho\u1eb7c m\u1ed9t ng\u01b0\u1eddi \u0111\u1ee9ng t\u00ean \u0111\u1ebfn k\u00fd h\u1ee3p \u0111\u1ed3ng vay v\u1ed1n 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.<\/em><\/p>\n<p>C\u00f2n theo TS. Nguy\u1ec5n Tr\u00ed Hi\u1ebfu \u2013 chuy\u00ean gia T\u00e0i ch\u00ednh &#8211; ng\u00e2n h\u00e0ng, th\u00ec \u0111\u00e2y l\u00e0 s\u1ef1 \u0111i\u1ec1u ch\u1ec9nh \u0111\u00fang m\u1ef1c, tr\u01b0\u1edbc kia l\u00e0 h\u1ed9 gia \u0111\u00ecnh th\u00ec ph\u1ea3i c\u00f3 ng\u01b0\u1eddi \u0111\u1ea1i di\u1ec7n c\u1ee7a h\u1ed9 gia \u0111\u00ecnh \u0111\u1ee9ng ra k\u00fd h\u1ee3p \u0111\u1ed3ng vay v\u1ed1n v\u1edbi NH. Vi\u1ec7c thay \u0111\u1ed5i n\u00e0y gi\u00fap cho t\u00ednh ch\u1ea5t ph\u00e1p l\u00fd c\u1ee7a ng\u01b0\u1eddi \u0111i vay r\u00f5 r\u00e0ng h\u01a1n v\u00e0 \u0111\u1ed1i v\u1edbi ng\u01b0\u1eddi \u0111i vay th\u1ec3 hi\u1ec7n r\u00f5 tr\u00e1ch nhi\u1ec7m h\u01a1n.<\/p>\n<p>M\u1eb7c d\u00f9, vi\u1ec7c \u0111i\u1ec1u ch\u1ec9nh n\u00e0y c\u1ee7a Th\u00f4ng t\u01b0 39 c\u00f3 th\u1ec3 t\u1ea1o ra s\u1ef1 b\u0103n kho\u0103n n\u00e0o \u0111\u00f3 nh\u01b0ng x\u00e9t to\u00e0n di\u1ec7n th\u00ec c\u00f3 l\u1ee3i cho c\u1ea3 hai b\u00ean (ng\u01b0\u1eddi cho vay v\u00e0 ng\u01b0\u1eddi vay). Th\u1eddi gian t\u1edbi, kh\u00f4ng ch\u1ec9 h\u1ee3p \u0111\u1ed3ng vay v\u1ed1n m\u00e0 t\u1ea5t c\u1ea3 h\u1ee3p \u0111\u1ed3ng d\u00e2n s\u1ef1 \u0111\u1ec1u kh\u00f4ng c\u00f2n ch\u1ee7 th\u1ec3 giao d\u1ecbch l\u00e0 h\u1ed9 m\u00e0 c\u00e1c h\u1ee3p \u0111\u1ed3ng d\u00e2n s\u1ef1 nh\u01b0 h\u1ee3p \u0111\u1ed3ng mua b\u00e1n t\u00e0i s\u1ea3n n\u1ebfu k\u00fd v\u1edbi h\u1ed9 s\u1ebd tr\u1edf th\u00e0nh v\u00f4 hi\u1ec7u v\u00ec ch\u1ee7 th\u1ec3 n\u00e0y kh\u00f4ng \u0111\u00fang v\u1edbi B\u1ed9 Lu\u1eadt D\u00e2n s\u1ef1 2015.<\/p>\n<p>C\u0169ng \u0111\u1ec3 l\u00e0m r\u00f5 h\u01a1n c\u00e1c quy \u0111\u1ecbnh m\u1edbi t\u1ea1i Th\u00f4ng t\u01b0 39, chia s\u1ebb v\u1edbi ph\u00f3ng vi\u00ean, \u00f4ng \u0110o\u00e0n Th\u00e1i S\u01a1n \u2013 V\u1ee5 tr\u01b0\u1edfng V\u1ee5 Ph\u00e1p ch\u1ebf (NHNN) kh\u1eb3ng \u0111\u1ecbnh: vi\u1ec7c kinh doanh c\u1ee7a h\u1ed9 gia \u0111\u00ecnh do kh\u00f4ng c\u00f2n t\u01b0 c\u00e1ch ch\u1ee7 th\u1ec3, nh\u01b0ng c\u00e1c c\u00e1 nh\u00e2n v\u1eabn c\u00f3 th\u1ec3 vay v\u1ed1n kinh doanh v\u1edbi t\u01b0 c\u00e1ch c\u1ee7a ch\u00ednh c\u00e1 nh\u00e2n n\u00e0y. V\u00e0 v\u1ec1 nguy\u00ean t\u1eafc th\u00ec h\u1ec7 th\u1ed1ng\u00a0 NH v\u1eabn \u0111\u1ea3m b\u1ea3o ngu\u1ed3n v\u1ed1n t\u00edn d\u1ee5ng cho nhu c\u1ea7u kinh doanh c\u1ee7a c\u00e1c c\u00e1 nh\u00e2n.<\/p>\n<p>\u201cV\u1ec1 l\u00e3i su\u1ea5t cho vay c\u1ee7a c\u00e1c NH c\u0169ng kh\u00f4ng ph\u1ee5 thu\u1ed9c v\u00e0o t\u01b0 c\u00e1ch ph\u00e1p nh\u00e2n vay v\u1ed1n m\u00e0 th\u01b0\u1eddng ph\u1ee5 thu\u1ed9c v\u00e0o m\u1ee5c \u0111\u00edch vay v\u1ed1n, s\u1eed d\u1ee5ng v\u1ed1n v\u00e0o m\u1ee5c \u0111\u00edch kinh doanh hay ti\u00eau d\u00f9ng; ph\u1ee5 thu\u1ed9c v\u00e0o d\u1ef1 \u00e1n vay v\u1ed1n. H\u1ec7 th\u1ed1ng NH kh\u00f4ng ph\u00e2n bi\u1ec7t \u00e1p l\u00e3i su\u1ea5t kh\u00e1c nhau khi thay \u0111\u1ed5i ch\u1ee7 th\u1ec3 cho vay n\u00e0y\u201d \u2013 \u00f4ng \u0110o\u00e0n Th\u00e1i S\u01a1n nh\u1ea5n m\u1ea1nh.<\/p>\n<p><strong>Ch\u00ed Ki\u00ean<\/strong><\/p>\n<p><strong>\u2014\u2014\u2014\u2014\u2013<\/strong><\/p>\n<p><strong><em>Th\u1eddi b\u00e1o Ng\u00e2n h\u00e0ng (T\u00e0i ch\u00ednh \u2013 Ng\u00e2n h\u00e0ng) 20-02-2017:<\/em><\/strong><\/p>\n<p><a href=\"http:\/\/thoibaonganhang.vn\/khong-nen-lo-xa-voi-quy-dinh-cho-vay-moi-59495.html\"><em>http:\/\/thoibaonganhang.vn\/khong-nen-lo-xa-voi-quy-dinh-cho-vay-moi-59495.html<\/em><\/a><\/p>\n<p><em>(165\/996)<\/em>","protected":false},"excerpt":{"rendered":"<p>(TBNH) &#8211;\u00a0Vi\u1ec7c kinh doanh c\u1ee7a h\u1ed9 gia \u0111\u00ecnh do kh\u00f4ng c\u00f2n t\u01b0 c\u00e1ch ch\u1ee7 th\u1ec3, nh\u01b0ng c\u00e1c c\u00e1 nh\u00e2n v\u1eabn c\u00f3 th\u1ec3 vay v\u1ed1n kinh doanh v\u1edbi t\u01b0 c\u00e1ch c\u1ee7a ch\u00ednh c\u00e1 nh\u00e2n n\u00e0y. V\u00e0 v\u1ec1 nguy\u00ean t\u1eafc th\u00ec h\u1ec7 th\u1ed1ng NH v\u1eabn \u0111\u1ea3m b\u1ea3o ngu\u1ed3n v\u1ed1n t\u00edn d\u1ee5ng cho nhu c\u1ea7u kinh doanh c\u1ee7a [&hellip;]<\/p>\n","protected":false},"author":3,"featured_media":18128,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":""},"categories":[27,26],"tags":[],"class_list":["post-18118","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-interviews","category-legal-media"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.3 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>1.526. 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