{"id":18231,"date":"2017-02-17T19:24:55","date_gmt":"2017-02-17T12:24:55","guid":{"rendered":"https:\/\/anvilaw.com\/vi\/?p=18231"},"modified":"2022-04-15T19:25:52","modified_gmt":"2022-04-15T12:25:52","slug":"1-522-song-phang-quan-he-vay-von-va-tinh-lai-suat","status":"publish","type":"post","link":"https:\/\/anvilaw.com\/vi\/1-522-song-phang-quan-he-vay-von-va-tinh-lai-suat\/","title":{"rendered":"1.522. S\u00f2ng ph\u1eb3ng quan h\u1ec7 vay v\u1ed1n v\u00e0 t\u00ednh l\u00e3i su\u1ea5t"},"content":{"rendered":"(Q\u0110ND) – Ng\u00e2n h\u00e0ng Nh\u00e0 n\u01b0\u1edbc (NHNN) Vi\u1ec7t Nam v\u1eeba ban h\u00e0nh Th\u00f4ng t\u01b0 s\u1ed1 39\/2016\/TT-NHNN (Th\u00f4ng t\u01b0 39) quy \u0111\u1ecbnh v\u1ec1 ho\u1ea1t \u0111\u1ed9ng cho vay c\u1ee7a t\u1ed5 ch\u1ee9c t\u00edn d\u1ee5ng, chi nh\u00e1nh ng\u00e2n h\u00e0ng n\u01b0\u1edbc ngo\u00e0i \u0111\u1ed1i v\u1edbi kh\u00e1ch h\u00e0ng.<\/strong><\/p>\n

Th\u00f4ng t\u01b0 c\u00f3 hi\u1ec7u l\u1ef1c thi h\u00e0nh t\u1eeb ng\u00e0y 15-3, trong \u0111\u00f3 c\u00f3 nh\u1eefng quy \u0111\u1ecbnh r\u1ea5t m\u1edbi l\u00e0: B\u1ecf tr\u1ea7n l\u00e3i su\u1ea5t (tr\u1ea7n l\u00e3i su\u1ea5t ch\u1ec9 \u00e1p d\u1ee5ng v\u1edbi c\u00e1c kho\u1ea3n vay ng\u1eafn h\u1ea1n thu\u1ed9c 5 l\u0129nh v\u1ef1c \u01b0u ti\u00ean); quy \u0111\u1ecbnh ch\u1ee7 th\u1ec3 vay v\u1ed1n ch\u1ec9 bao g\u1ed3m c\u00e1 nh\u00e2n, ph\u00e1p nh\u00e2n… V\u1edbi nh\u1eefng quy \u0111\u1ecbnh tr\u00ean, vi\u1ec7c vay v\u1ed1n s\u1ebd\u00a0th\u1ef1c hi\u1ec7n theo c\u01a1 ch\u1ebf th\u1ecb tr\u01b0\u1eddng, b\u1ea3o \u0111\u1ea3m l\u1ee3i \u00edch c\u1ee7a b\u00ean vay v\u00e0 b\u00ean cho vay.<\/strong><\/p>\n

R\u00f5 r\u00e0ng v\u1ec1 ph\u00e1p nh\u00e2n<\/strong><\/p>\n

Th\u00f4ng t\u01b0 39 c\u00f3 nhi\u1ec1u \u0111i\u1ec3m m\u1edbi nh\u01b0: Ch\u1ee7 th\u1ec3 vay v\u1ed1n ch\u1ec9 bao g\u1ed3m c\u00e1 nh\u00e2n, ph\u00e1p nh\u00e2n; b\u1ecf \u0111i\u1ec1u ki\u1ec7n v\u1ec1 t\u00e0i s\u1ea3n b\u1ea3o \u0111\u1ea3m ti\u1ec1n vay; kh\u00f4ng gi\u1edbi h\u1ea1n m\u1ee5c \u0111\u00edch vay v\u1ed1n; thay \u0111\u1ed5i c\u0103n c\u1ee9 t\u00ednh th\u1eddi h\u1ea1n kho\u1ea3n vay t\u1eeb th\u00e1ng sang n\u0103m; thay \u0111\u1ed5i c\u00e1ch t\u00ednh th\u1eddi h\u1ea1n cho vay; tr\u1ea7n l\u00e3i su\u1ea5t ch\u1ec9 \u00e1p d\u1ee5ng v\u1edbi c\u00e1c kho\u1ea3n vay ng\u1eafn h\u1ea1n thu\u1ed9c 5 l\u0129nh v\u1ef1c \u01b0u ti\u00ean\u2026 Trong \u0111\u00f3 c\u00f3 hai n\u1ed9i dung \u0111\u01b0\u1ee3c quan t\u00e2m l\u00e0 ch\u1ee7 th\u1ec3 vay v\u1ed1n l\u00e0 t\u1ed5 ch\u1ee9c t\u00edn d\u1ee5ng (TCTD) v\u00e0 kh\u00e1ch h\u00e0ng th\u1ecfa thu\u1eadn v\u1ec1 l\u00e3i su\u1ea5t cho vay. Th\u00f4ng t\u01b0 39 \u0111\u00e3 \u0111i\u1ec1u ch\u1ec9nh l\u00e0m r\u00f5 thu\u1eadt ng\u1eef, kh\u00e1i ni\u1ec7m nh\u1eb1m x\u00e1c \u0111\u1ecbnh l\u1ea1i \u0111\u1ed1i t\u01b0\u1ee3ng vay v\u1ed1n ng\u00e2n h\u00e0ng g\u1ed3m ph\u00e1p nh\u00e2n v\u00e0 c\u00e1 nh\u00e2n \u0111\u1ed3ng nh\u1ea5t theo B\u1ed9 lu\u1eadt D\u00e2n s\u1ef1 n\u0103m 2015. \u00d4ng \u0110o\u00e0n Th\u00e1i S\u01a1n, V\u1ee5 tr\u01b0\u1edfng V\u1ee5 Ph\u00e1p ch\u1ebf NHNN kh\u1eb3ng \u0111\u1ecbnh, 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 n\u0103m 2015. Quy \u0111\u1ecbnh v\u1ec1 kh\u00e1ch h\u00e0ng vay v\u1ed1n t\u1ea1i Th\u00f4ng t\u01b0 39 l\u00e0 th\u1ef1c hi\u1ec7n quy \u0111\u1ecbnh \u0111\u00e3 c\u00f3 hi\u1ec7u l\u1ef1c c\u1ee7a B\u1ed9 lu\u1eadt D\u00e2n s\u1ef1 2015. Hi\u1ec7n nay, nhi\u1ec1u ng\u01b0\u1eddi \u0111ang hi\u1ec3u nh\u1ea7m r\u1eb1ng h\u01a1n 5 tri\u1ec7u h\u1ed9 kinh doanh n\u1ebfu kh\u00f4ng chuy\u1ec3n \u0111\u1ed5i th\u00e0nh doanh nghi\u1ec7p s\u1ebd kh\u00f4ng th\u1ec3 ti\u1ebfp c\u1eadn \u0111\u01b0\u1ee3c ngu\u1ed3n v\u1ed1n t\u00edn d\u1ee5ng c\u1ee7a c\u00e1c ng\u00e2n h\u00e0ng. Tr\u00ean th\u1ef1c t\u1ebf, c\u00e1c ch\u1ee7 h\u1ed9 kinh doanh v\u1eabn ti\u1ebfp c\u1eadn \u0111\u01b0\u1ee3c v\u1ed1n vay, tuy nhi\u00ean ph\u1ea3i vay v\u1edbi t\u01b0 c\u00e1ch c\u00e1 nh\u00e2n.<\/p>\n

Nh\u00e2n vi\u00ean Ng\u00e2n h\u00e0ng TMCP Qu\u00e2n \u0111\u1ed9i \u0111ang t\u01b0 v\u1ea5n cho kh\u00e1ch h\u00e0ng.\u00a0<\/em><\/p>\n

Lu\u1eadt s\u01b0 Tr\u01b0\u01a1ng Thanh \u0110\u1ee9c, Ch\u1ee7 nhi\u1ec7m C\u00e2u l\u1ea1c b\u1ed9 Ph\u00e1p ch\u1ebf Ng\u00e2n h\u00e0ng (Hi\u1ec7p h\u1ed9i Ng\u00e2n h\u00e0ng Vi\u1ec7t Nam-VNBA) cho r\u1eb1ng, theo B\u1ed9 lu\u1eadt D\u00e2n s\u1ef1 c\u0169 quy \u0111\u1ecbnh r\u1ea5t nhi\u1ec1u c\u00e1c lo\u1ea1i ch\u1ee7 th\u1ec3 giao d\u1ecbch ngo\u00e0i c\u00e1 nh\u00e2n, ph\u00e1p nh\u00e2n th\u00ec c\u00f2n c\u00f3 h\u1ed9 gia \u0111\u00ecnh, h\u1ed9 kinh doanh, h\u1ee3p t\u00e1c x\u00e3, doanh nghi\u1ec7p t\u01b0 nh\u00e2n. Hi\u1ec7n t\u1ea1i, B\u1ed9 lu\u1eadt D\u00e2n s\u1ef1 n\u0103m 2015 ch\u1ec9 th\u1eeba nh\u1eadn hai ch\u1ee7 th\u1ec3 l\u00e0 c\u00e1 nh\u00e2n v\u00e0 ph\u00e1p nh\u00e2n. N\u00f3i nh\u01b0 v\u1eady kh\u00f4ng c\u00f3 ngh\u0129a nh\u1eefng \u0111\u1ed1i t\u01b0\u1ee3ng tr\u00ean bi\u1ebfn m\u1ea5t m\u00e0 v\u1eabn \u0111\u01b0\u1ee3c ghi nh\u1eadn \u1edf trong Lu\u1eadt \u0110\u1ea5t \u0111ai, Lu\u1eadt Doanh nghi\u1ec7p, Lu\u1eadt H\u1ee3p t\u00e1c x\u00e3. Ch\u00fang ta v\u1eabn ph\u1ea3i th\u1eeba nh\u1eadn \u0111\u1ea5y l\u00e0 c\u00e1c th\u1ef1c th\u1ec3 \u0111\u01b0\u1ee3c Nh\u00e0 n\u01b0\u1edbc c\u00f4ng nh\u1eadn. Tr\u01b0\u1edbc \u0111\u00e2y, \u0111\u1ed1i v\u1edbi h\u1ed9 gia \u0111\u00ecnh hay h\u1ed9 kinh doanh, c\u00f3 th\u1ec3 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 v\u1edbi ng\u00e2n h\u00e0ng. Nh\u01b0ng theo quy \u0111\u1ecbnh m\u1edbi, 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 ng\u00e2n h\u00e0ng. C\u00f2n n\u1ebfu h\u1ed9 \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 v\u1edbi ng\u00e2n h\u00e0ng v\u00e0 nh\u1eefng ng\u01b0\u1eddi kh\u00e1c c\u00f3 gi\u1ea5y \u1ee7y quy\u1ec1n cho ng\u01b0\u1eddi \u0111\u00f3 k\u00fd. \u0110\u1ed3ng th\u1eddi 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.\u00a0Nh\u1eefng thay \u0111\u1ed5i n\u00e0y l\u00e0 \u0111\u1ec3 chu\u1ea9n h\u00f3a v\u1ec1 m\u1eb7t ph\u00e1p l\u00fd cho \u0111\u00fang quy \u0111\u1ecbnh c\u1ee7a B\u1ed9 lu\u1eadt D\u00e2n s\u1ef1 n\u0103m 2015 v\u00e0 s\u1ef1 ph\u00f9 h\u1ee3p v\u1edbi th\u00f4ng l\u1ec7 qu\u1ed1c t\u1ebf. B\u1ea3n ch\u1ea5t v\u1ec1 giao d\u1ecbch, l\u1ee3i \u00edch c\u1ee7a c\u00e1c b\u00ean n\u00f3i chung kh\u00f4ng b\u1ecb \u1ea3nh h\u01b0\u1edfng.<\/em><\/p>\n

B\u1ea3o \u0111\u1ea3m l\u1ee3i \u00edch c\u1ee7a c\u00e1c b\u00ean<\/strong><\/p>\n

\u00d4ng \u0110o\u00e0n Th\u00e1i S\u01a1n nh\u1eadn \u0111\u1ecbnh, vi\u1ec7c c\u00e1c t\u1ed5 ch\u1ee9c t\u00edn d\u1ee5ng (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 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.\u00a0Do \u0111\u00f3, vi\u1ec7c quy \u0111\u1ecbnh ch\u1ee7 th\u1ec3 giam gia quan h\u1ec7 d\u00e2n s\u1ef1 ch\u1ec9 bao g\u1ed3m c\u00e1 nh\u00e2n v\u00e0 ph\u00e1p nh\u00e2n l\u00e0 c\u1ea7n thi\u1ebft. Lu\u1eadt s\u01b0 Tr\u01b0\u01a1ng Thanh \u0110\u1ee9c c\u0169ng kh\u1eb3ng \u0111\u1ecbnh, tr\u01b0\u1edbc \u0111\u00e2y quy \u0111\u1ecbnh giao d\u1ecbch gi\u1eefa ng\u00e2n h\u00e0ng v\u1edbi kh\u00e1ch h\u00e0ng ch\u01b0a r\u00f5 r\u00e0ng khi\u1ebfn cho ng\u00e2n h\u00e0ng d\u1ec5 g\u1eb7p r\u1ee7i ro. V\u1edbi nh\u1eefng ng\u01b0\u1eddi \u0111i vay gian d\u1ed1i th\u00ec khi x\u1ea3y ra v\u1ea5n \u0111\u1ec1 s\u1ebd \u0111\u1ec3 l\u1ea1i h\u1eadu qu\u1ea3 m\u00e0 b\u00ean cho vay ph\u1ea3i h\u1ee9ng ch\u1ecbu. Th\u00f4ng t\u01b0 39 \u0111\u00e3 ph\u00e2n bi\u1ec7t r\u00f5 r\u00e0ng b\u1ea3n ch\u1ea5t quan h\u1ec7 vay v\u1ed1n, \u0111\u00f3 l\u00e0 tr\u00e1ch nhi\u1ec7m c\u1ee7a kh\u00e1ch h\u00e0ng v\u1edbi ng\u00e2n h\u00e0ng. \u0110\u1ed3ng th\u1eddi, TCTD v\u00e0 kh\u00e1ch h\u00e0ng t\u1ef1 th\u1ecfa thu\u1eadn v\u1ec1 th\u1ee9 t\u1ef1 thu n\u1ee3 g\u1ed1c, l\u00e3i ti\u1ec1n vay. Ri\u00eang \u0111\u1ed1i v\u1edbi kho\u1ea3n n\u1ee3 vay b\u1ecb qu\u00e1 h\u1ea1n tr\u1ea3 n\u1ee3, TCTD th\u1ef1c hi\u1ec7n theo th\u1ee9 t\u1ef1 n\u1ee3 g\u1ed1c thu tr\u01b0\u1edbc, n\u1ee3 l\u00e3i ti\u1ec1n vay thu sau.<\/p>\n

Th\u00f4ng t\u01b0 39 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.\u00a0\u0110\u1ed1i v\u1edbi h\u1ed3 s\u01a1, gi\u1ea5y t\u1edd ghi h\u1ed9 kinh doanh, h\u1ed9 gia \u0111\u00ecnh \u0111ang vay v\u1ed1n t\u1ea1i ng\u00e2n h\u00e0ng hi\u1ec7n nay s\u1ebd \u0111\u01b0\u1ee3c chuy\u1ec3n ti\u1ebfp cho ph\u00e9p ti\u1ebfp t\u1ee5c th\u1ef1c hi\u1ec7n c\u00e1c h\u1ee3p \u0111\u1ed3ng \u0111\u00e3 k\u00fd tr\u01b0\u1edbc ng\u00e0y th\u00f4ng t\u01b0 c\u00f3 hi\u1ec7u l\u1ef1c.\u00a0Theo lu\u1eadt s\u01b0 Tr\u01b0\u01a1ng Thanh \u0110\u1ee9c, quy \u0111\u1ecbnh t\u1eeb tr\u01b0\u1edbc \u0111\u1ebfn nay c\u1ee7a ng\u00e2n h\u00e0ng ch\u1ec9 c\u00f3 hai h\u00ecnh th\u1ee9c vay ch\u00ednh l\u00e0 cho vay kinh doanh v\u00e0 cho vay ti\u00eau d\u00f9ng. V\u1edbi doanh nghi\u1ec7p th\u01b0\u1eddng l\u00e0 cho vay kinh doanh, c\u00f2n c\u00e1 nh\u00e2n th\u00ec c\u00f3 th\u1ec3 l\u00e0 kinh doanh ho\u1eb7c ti\u00eau d\u00f9ng. N\u1ebfu nh\u01b0 h\u1ed9 c\u00e1 nh\u00e2n kinh doanh th\u00ec \u0111\u01b0\u01a1ng nhi\u00ean v\u1eabn th\u1ef1c hi\u1ec7n theo nh\u1eefng quy \u0111\u1ecbnh v\u1ec1 \u0111i\u1ec1u ki\u1ec7n kinh doanh th\u00f4ng th\u01b0\u1eddng nh\u01b0: Uy t\u00edn, v\u1ec1 kh\u1ea3 n\u0103ng tr\u1ea3 n\u1ee3, t\u00e0i s\u1ea3n b\u1ea3o \u0111\u1ea3m\u2026 do \u0111\u00f3 s\u1ebd kh\u00f4ng \u1ea3nh h\u01b0\u1edfng g\u00ec \u0111\u1ebfn l\u00e3i su\u1ea5t, hay kh\u1ea3 n\u0103ng vay v\u1ed1n c\u1ee7a \u0111\u1ed1i t\u01b0\u1ee3ng kh\u00e1ch h\u00e0ng.<\/em><\/p>\n

\u0110\u1ed1i v\u1edbi v\u1ea5n \u0111\u1ec1 tr\u1ea7n l\u00e3i su\u1ea5t, \u0111\u1ea1i di\u1ec7n m\u1ed9t s\u1ed1 ng\u00e2n h\u00e0ng th\u01b0\u01a1ng m\u1ea1i (NHTM) nh\u1eadn \u0111\u1ecbnh, vi\u1ec7c NHNN quy \u0111\u1ecbnh r\u00f5 m\u1ed9t s\u1ed1 l\u0129nh v\u1ef1c c\u00e1c NHTM c\u00f3 th\u1ec3 \u00e1p d\u1ee5ng l\u00e3i su\u1ea5t th\u1ecfa thu\u1eadn s\u1ebd g\u1ee1 kh\u00f3 cho c\u1ea3 b\u00ean cho vay l\u1eabn b\u00ean \u0111i vay. Vi\u1ec7c t\u1ef1 th\u1ecfa thu\u1eadn l\u00e3i su\u1ea5t s\u1ebd \u0111\u1ea1t \u0111\u01b0\u1ee3c m\u1ee5c \u0111\u00edch tu\u00e2n theo quy lu\u1eadt th\u1ecb tr\u01b0\u1eddng, thu\u1eadn mua-v\u1eeba b\u00e1n trong m\u1ed9t n\u1ec1n kinh t\u1ebf c\u1ea1nh tranh. L\u00e3i su\u1ea5t cho vay d\u00f9 c\u00f3 b\u1ecf tr\u1ea7n c\u0169ng kh\u00f4ng th\u1ec3 n\u00e0o qu\u00e1 cao \u0111\u01b0\u1ee3c v\u00ec c\u00e1c NHTM \u0111ang ph\u1ea3i c\u1ea1nh tranh r\u1ea5t gay g\u1eaft trong n\u1ec1n kinh t\u1ebf th\u1ecb tr\u01b0\u1eddng. \u0110\u1ed3ng th\u1eddi, trong Th\u00f4ng t\u01b0 39, NHNN quy \u0111\u1ecbnh r\u00f5 n\u1ed9i dung th\u1ecfa thu\u1eadn v\u1ec1 l\u00e3i su\u1ea5t cho vay bao g\u1ed3m m\u1ee9c l\u00e3i su\u1ea5t cho vay v\u00e0 ph\u01b0\u01a1ng ph\u00e1p t\u00ednh l\u00e3i \u0111\u1ed1i v\u1edbi kho\u1ea3n vay. Theo \u0111\u00f3, l\u00e3i su\u1ea5t vay do TCTD quy\u1ebft \u0111\u1ecbnh t\u00f9y thu\u1ed9c v\u00e0o m\u1ee5c \u0111\u00edch vay v\u1ed1n (kinh doanh hay ti\u00eau d\u00f9ng), th\u1eddi h\u1ea1n vay, m\u1ee9c \u0111\u1ed9 r\u1ee7i ro, t\u00ednh kh\u1ea3 thi c\u1ee7a ph\u01b0\u01a1ng \u00e1n vay v\u1ed1n, chi ph\u00ed \u0111\u1ea7u v\u00e0o c\u1ee7a t\u1eebng TCTD; th\u00f4ng th\u01b0\u1eddng kh\u00f4ng ph\u1ee5 thu\u1ed9c v\u00e0o t\u01b0 c\u00e1ch vay v\u1ed1n l\u00e0 h\u1ed9 kinh doanh hay c\u00e1 nh\u00e2n.<\/p>\n

B\u00e0i v\u00e0 \u1ea3nh:\u00a0<\/strong><\/em>HO\u00c0NG TR\u01af\u1edcNG GIANG<\/strong><\/p>\n

—————–<\/strong><\/p>\n

Qu\u00e2n \u0111\u1ed9i Nh\u00e2n d\u00e2n (Kinh t\u1ebf) 17-02-2017:<\/em><\/strong><\/p>\n

http:\/\/www.qdnd.vn\/kinh-te\/cac-van-de\/song-phang-quan-he-vay-von-va-tinh-lai-suat-499958<\/em><\/a><\/p>\n

(416\/1.338)<\/em>","protected":false},"excerpt":{"rendered":"

(Q\u0110ND) – Ng\u00e2n h\u00e0ng Nh\u00e0 n\u01b0\u1edbc (NHNN) Vi\u1ec7t Nam v\u1eeba ban h\u00e0nh Th\u00f4ng t\u01b0 s\u1ed1 39\/2016\/TT-NHNN (Th\u00f4ng t\u01b0 39) quy \u0111\u1ecbnh v\u1ec1 ho\u1ea1t \u0111\u1ed9ng cho vay c\u1ee7a t\u1ed5 ch\u1ee9c t\u00edn d\u1ee5ng, chi nh\u00e1nh ng\u00e2n h\u00e0ng n\u01b0\u1edbc ngo\u00e0i \u0111\u1ed1i v\u1edbi kh\u00e1ch h\u00e0ng. Th\u00f4ng t\u01b0 c\u00f3 hi\u1ec7u l\u1ef1c thi h\u00e0nh t\u1eeb ng\u00e0y 15-3, trong \u0111\u00f3 c\u00f3 nh\u1eefng […]<\/p>\n","protected":false},"author":2,"featured_media":18232,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":""},"categories":[27,26],"tags":[],"class_list":["post-18231","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-interviews","category-legal-media"],"acf":[],"yoast_head":"\n1.522. 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