{"id":18861,"date":"2016-06-27T09:00:55","date_gmt":"2016-06-27T02:00:55","guid":{"rendered":"https:\/\/anvilaw.com\/vi\/?p=18861"},"modified":"2022-04-22T09:22:34","modified_gmt":"2022-04-22T02:22:34","slug":"1-161-vay-ngan-hang-noi-kho-cung-dung-noi-de-cung-khong-sai","status":"publish","type":"post","link":"https:\/\/anvilaw.com\/vi\/1-161-vay-ngan-hang-noi-kho-cung-dung-noi-de-cung-khong-sai\/","title":{"rendered":"1.161. Vay ng\u00e2n h\u00e0ng: n\u00f3i kh\u00f3 c\u0169ng \u0111\u00fang, n\u00f3i d\u1ec5 c\u0169ng kh\u00f4ng sai"},"content":{"rendered":"

(TBKT) – Xung quanh v\u1ee5 tranh c\u00e3i ch\u01b0a t\u1edbi h\u1ed3i k\u1ebft gi\u1eefa Ng\u00e2n h\u00e0ng CB v\u00e0 C\u00f4ng ty c\u1ed5 ph\u1ea7n \u0110\u1ea7u t\u01b0 Ph\u01b0\u01a1ng Trang (\u0111\u1ea1i di\u1ec7n m\u1ed9t nh\u00f3m c\u00f4ng ty t\u01b0 nh\u00e2n c\u00f3 nh\u1eadn di\u1ec7n th\u01b0\u01a1ng hi\u1ec7u Ph\u01b0\u01a1ng Trang) v\u1ec1 nh\u1eefng kho\u1ea3n n\u1ee3 x\u1ea5u l\u1edbn m\u00e0 ng\u00e2n h\u00e0ng n\u00e0y \u0111\u00e3 cho doanh nghi\u1ec7p vay n\u1ea3y sinh nhi\u1ec1u c\u00e2u h\u1ecfi…<\/a><\/strong><\/p>\n

Sao cho vay nhi\u1ec1u th\u1ebf?<\/strong><\/p>\n

T\u1ed5ng gi\u00e1m \u0111\u1ed1c m\u1ed9t ng\u00e2n h\u00e0ng th\u01b0\u01a1ng m\u1ea1i c\u00f3 th\u00e2m ni\u00ean 20 n\u0103m trong ng\u00e0nh th\u1ed1t l\u00ean: \u201cT\u00f4i c\u00e0ng \u0111\u1ecdc (b\u00e1o) c\u00e0ng th\u1ea5y v\u00f4 l\u00fd. Chuy\u1ec7n t\u01b0\u1edfng nh\u01b0 h\u00e0i h\u01b0\u1edbc. Ng\u00e2n h\u00e0ng cho vay ng\u00e0n t\u1ec9 m\u00e0 nh\u01b0 cho m\u01b0\u1ee3n gi\u1ea5y v\u1ee5n. Doanh nghi\u1ec7p th\u00ec coi ti\u1ec1n ng\u00e2n h\u00e0ng nh\u01b0 l\u01b0\u1ee3m \u0111\u01b0\u1ee3c ngo\u00e0i \u0111\u01b0\u1eddng\u201d.<\/p>\n

\"\"<\/p>\n

Lu\u1eadt s\u01b0 Tr\u01b0\u01a1ng Thanh \u0110\u1ee9c cho bi\u1ebft: Tr\u00ean th\u1ef1c t\u1ebf, doanh nghi\u1ec7p \u0111\u01b0\u1ee3c ng\u00e2n h\u00e0ng cho vay v\u01b0\u1ee3t tr\u1ea7n n\u1ebfu Ng\u00e2n h\u00e0ng Nh\u00e0 n\u01b0\u1edbc (NHNN) cho ph\u00e9p b\u1eb1ng v\u0103n b\u1ea3n trong nh\u1eefng tr\u01b0\u1eddng h\u1ee3p \u0111\u1eb7c bi\u1ec7t nh\u01b0ng kh\u1ea3 n\u0103ng n\u00e0y \u00edt x\u1ea3y ra. Th\u1ee9 hai l\u00e0 cho vay h\u1ee3p v\u1ed1n, v\u00e0i ng\u00e2n h\u00e0ng cho vay th\u00f4ng qua m\u1ed9t ng\u00e2n h\u00e0ng \u0111\u1ea7u m\u1ed1i, \u0111i\u1ec1u n\u00e0y th\u1ec9nh tho\u1ea3ng x\u1ea3y ra. Th\u1ee9 ba l\u00e0 ph\u00eda ng\u00e2n h\u00e0ng ho\u1eb7c doanh nghi\u1ec7p ho\u1eb7c c\u1ea3 hai b\u00ean l\u00e1ch c\u00e1c quy \u0111\u1ecbnh, \u201c\u0111i \u0111\u00eam\u201d v\u1edbi nhau \u0111\u1ec3 vay v\u1ed1n c\u1ee7a ng\u00e2n h\u00e0ng b\u1eb1ng tr\u00e1i phi\u1ebfu, h\u1ee3p \u0111\u1ed3ng \u1ee7y th\u00e1c, g\u00f3p v\u1ed1n h\u1ee3p t\u00e1c kinh doanh… ho\u1eb7c b\u1eb1ng c\u00e1c h\u00ecnh th\u1ee9c kh\u00e1c. Theo \u0111\u00f3, ti\u1ec1n \u0111i qua 5-7 \u201ctr\u1ea1m\u201d m\u00e0 tr\u00ean gi\u1ea5y t\u1edd kh\u00f4ng h\u1ec1 c\u00f3 li\u00ean quan.Theo \u00f4ng, \u0111i\u1ec1u \u201cv\u00f4 l\u00fd s\u1edd s\u1edd\u201d \u0111\u1ea7u ti\u00ean l\u00e0 sao ng\u00e2n h\u00e0ng d\u00e1m cho vay nhi\u1ec1u nh\u01b0 v\u1eady. Nh\u1eefng kho\u1ea3n n\u1ee3 c\u1ee7a Ph\u01b0\u01a1ng Trang ch\u1ee7 y\u1ebfu vay t\u1ea1i th\u1eddi \u0111i\u1ec3m CB c\u00f2n l\u00e0 Ng\u00e2n h\u00e0ng \u0110\u1ea1i T\u00edn, t\u1eeb n\u0103m 2010-2013. \u1ede th\u1eddi \u0111i\u1ec3m \u0111\u00f3, \u0110\u1ea1i T\u00edn c\u00f3 v\u1ed1n \u0111i\u1ec1u l\u1ec7 3.000 t\u1ec9 \u0111\u1ed3ng. Theo quy \u0111\u1ecbnh, ng\u00e2n h\u00e0ng ch\u1ec9 \u0111\u01b0\u1ee3c cho vay kh\u00f4ng qu\u00e1 25% v\u1ed1n t\u1ef1 c\u00f3 v\u1edbi nh\u00f3m doanh nghi\u1ec7p li\u00ean quan v\u00e0 kh\u00f4ng qu\u00e1 15% v\u1ed1n t\u1ef1 c\u00f3 v\u1edbi m\u1ed9t doanh nghi\u1ec7p. V\u1edbi v\u1ed1n \u0111i\u1ec1u l\u1ec7 3.000 t\u1ec9 \u0111\u1ed3ng, ng\u00e2n h\u00e0ng n\u00e0y ch\u1ec9 \u0111\u01b0\u1ee3c cho nh\u00f3m c\u00f4ng ty li\u00ean quan \u0111\u1ebfn Ph\u01b0\u01a1ng Trang vay t\u1ed1i \u0111a 750 t\u1ec9 \u0111\u1ed3ng. S\u1ed1 n\u1ee3 \u0111\u01b0\u1ee3c hai b\u00ean c\u00f4ng b\u1ed1 (d\u00f9 ch\u01b0a r\u00f5 s\u1ed1 n\u00e0o l\u00e0 ch\u00ednh x\u00e1c) \u0111\u1ec1u l\u1edbn h\u01a1n con s\u1ed1 n\u00e0y nhi\u1ec1u l\u1ea7n. \u0110\u1ea1i di\u1ec7n Ph\u01b0\u01a1ng Trang n\u00f3i n\u1ee3 h\u01a1n 3.400 t\u1ec9 \u0111\u1ed3ng. \u0110\u1ea1i di\u1ec7n ng\u00e2n h\u00e0ng cho bi\u1ebft s\u1ed1 n\u1ee3 c\u1ea3 g\u1ed1c l\u1eabn l\u00e3i t\u1ea1i CB l\u00e0 9.500 t\u1ec9 \u0111\u1ed3ng.<\/p>\n

\u0110i\u1ec1u \u201cv\u00f4 l\u00fd\u201d th\u1ee9 hai l\u00e0, ng\u00e2n h\u00e0ng cho vay trong 27 h\u1ee3p \u0111\u1ed3ng t\u00edn d\u1ee5ng (ch\u01b0a ch\u1eafc \u0111\u00e2y \u0111\u00e3 l\u00e0 con s\u1ed1 cu\u1ed1i c\u00f9ng) v\u1edbi t\u1ed5ng s\u1ed1 ti\u1ec1n h\u00e0ng ch\u1ee5c ng\u00e0n t\u1ec9 \u0111\u1ed3ng m\u00e0 \u0111\u1ebfn nay v\u1eabn ch\u01b0a bi\u1ebft \u201c\u00f4ng n\u00e0o\u201d n\u00e0o l\u00e0 \u201c\u00f4ng\u201d vay m\u00ecnh.<\/p>\n

H\u1ed3 s\u01a1 gi\u1ea5y t\u1edd ki\u1ec3u g\u00ec m\u00e0 b\u00e2y gi\u1edd c\u00f2n \u0111i c\u00e3i nhau ph\u00e1p nh\u00e2n c\u1ee7a kho\u1ea3n n\u1ee3 l\u00e0 ai. Trong khi \u00f4ng Nguy\u1ec5n V\u0103n Tu\u00e2n (ng\u01b0\u1eddi c\u1ee7a NHNN, \u0111\u01b0\u1ee3c ph\u00e2n l\u00e0m Ch\u1ee7 t\u1ecbch H\u1ed9i \u0111\u1ed3ng th\u00e0nh vi\u00ean CB sau khi NHNN mua CB v\u1edbi gi\u00e1 0 \u0111\u1ed3ng) n\u00f3i \u201cH\u1ed3 s\u01a1 th\u1ec3 hi\u1ec7n Ph\u01b0\u01a1ng Trang v\u00e0 nh\u00f3m \u0111\u1ea5y \u0111ang n\u1ee3 h\u01a1n 3.400 t\u1ec9 \u0111\u1ed3ng\u201d, c\u00f2n \u0111\u1ea1i di\u1ec7n Ph\u01b0\u01a1ng Trang l\u1ea1i cho r\u1eb1ng: \u201cCh\u00fang t\u00f4i \u0111\u1ec1 ngh\u1ecb kh\u00f4ng d\u00f9ng t\u1eeb nh\u00f3m, Futa Bus Lines kh\u00f4ng c\u00f3 nh\u00f3m v\u1edbi ai. \u00d4ng n\u00e0o n\u1ee3 ph\u1ea3i c\u1ee5 th\u1ec3 \u00f4ng \u0111\u00f3. M\u1ed7i \u0111\u01a1n v\u1ecb c\u00f3 ph\u00e1p nh\u00e2n r\u00f5 r\u00e0ng v\u00e0 n\u00f3 t\u1ef1 ch\u1ecbu tr\u00e1ch nhi\u1ec7m\u201d (ngu\u1ed3n: news.zing.vn).<\/p>\n

V\u1ecb t\u1ed5ng gi\u00e1m \u0111\u1ed1c ng\u00e2n h\u00e0ng tr\u00ean n\u00f3i: \u201cLu\u1eadt Doanh nghi\u1ec7p kh\u00f4ng c\u00f3 kh\u00e1i ni\u1ec7m \u201cnh\u00f3m\u201d. Nh\u00f3m kh\u00f4ng c\u00f3 t\u01b0 c\u00e1ch ph\u00e1p nh\u00e2n n\u00ean ng\u00e2n h\u00e0ng kh\u00f4ng th\u1ec3 cho m\u1ed9t t\u1ed5 ch\u1ee9c kh\u00f4ng c\u00f3 t\u01b0 c\u00e1ch ph\u00e1p nh\u00e2n vay. Kh\u00e1i ni\u1ec7m nh\u00f3m l\u00e0 kh\u00e1i ni\u1ec7m \u1ea3o, g\u1ecdi cho vui \u0111\u1ec3 l\u1ea5y oai khi kinh doanh\u201d.<\/p>\n

\u00d4ng c\u00f2n c\u1ea3m th\u1ea5y kh\u00f3 hi\u1ec3u chuy\u1ec7n hai b\u00ean kh\u00f4ng x\u00e1c \u0111\u1ecbnh \u0111\u01b0\u1ee3c s\u1ed1 n\u1ee3, c\u00f2n n\u1ebfu nh\u01b0 c\u1ed1 t\u00ecnh kh\u00f4ng ch\u1ecbu x\u00e1c \u0111\u1ecbnh s\u1ed1 n\u1ee3 th\u00ec c\u00e0ng l\u00f2i c\u00e1i \u0111u\u00f4i k\u00e9m minh b\u1ea1ch.<\/p>\n

T\u00e0i s\u1ea3n m\u00e0 Ph\u01b0\u01a1ng Trang th\u1ebf ch\u1ea5p \u1edf CB g\u1ed3m nh\u1eefng g\u00ec, \u0111\u01b0\u1ee3c \u0111\u1ecbnh gi\u00e1 bao nhi\u00eau c\u0169ng l\u00e0 v\u1ea5n \u0111\u1ec1 hai b\u00ean \u0111ang tranh c\u00e3i. R\u1ed3i m\u1eb7c d\u00f9 hai b\u00ean \u0111\u00e3 h\u1ecdp v\u00e0 \u0111\u1ed1i chi\u1ebfu c\u00f4ng n\u1ee3 r\u1ea5t nhi\u1ec1u l\u1ea7n d\u01b0\u1edbi s\u1ef1 ch\u1ee9ng ki\u1ebfn c\u1ee7a c\u01a1 quan c\u1ea3nh s\u00e1t \u0111i\u1ec1u tra, c\u01a1 quan thanh tra gi\u00e1m s\u00e1t th\u00ec nay h\u1ecd v\u1eabn y\u00eau c\u1ea7u… ti\u1ebfp t\u1ee5c \u0111\u1ed1i chi\u1ebfu c\u00f4ng n\u1ee3.<\/p>\n

Nh\u00f3m c\u00f4ng ty g\u1ed3m nh\u1eefng c\u00f4ng ty n\u00e0o?<\/strong><\/p>\n

Th\u00f4ng tin \u0111\u01b0\u1ee3c b\u00e1o ch\u00ed n\u00eau ban \u0111\u1ea7u cho th\u1ea5y c\u00f3 c\u1ea3 ch\u1ee5c c\u00f4ng ty \u0111\u01b0\u1ee3c th\u00e0nh l\u1eadp v\u1edbi b\u1ed9 nh\u1eadn di\u1ec7n th\u01b0\u01a1ng hi\u1ec7u Ph\u01b0\u01a1ng Trang: C\u00f4ng ty c\u1ed5 ph\u1ea7n \u0110\u1ea7u t\u01b0 Ph\u01b0\u01a1ng Trang (Futa Corp), C\u00f4ng ty c\u1ed5 ph\u1ea7n V\u1eadn t\u1ea3i v\u00e0 D\u1ecbch v\u1ee5 du l\u1ecbch Ph\u01b0\u01a1ng Trang (Futatrans Corp), C\u00f4ng ty c\u1ed5 ph\u1ea7n Xe kh\u00e1ch Ph\u01b0\u01a1ng Trang (Futa Bus Lines), C\u00f4ng ty TNHH Ph\u01b0\u01a1ng Trang \u0110\u00e0 L\u1ea1t, C\u00f4ng ty c\u1ed5 ph\u1ea7n Taxi Ph\u01b0\u01a1ng Trang, C\u00f4ng ty c\u1ed5 ph\u1ea7n D\u1ecbch v\u1ee5 chuy\u1ec3n ph\u00e1t nhanh Ph\u01b0\u01a1ng Trang (Futa Express)… Trong \u0111\u00f3, c\u00f3 nh\u1eefng c\u00f4ng ty \u0111\u00e3 ng\u1eebng ho\u1ea1t \u0111\u1ed9ng v\u00e0 \u0111\u00f3ng m\u00e3 s\u1ed1 thu\u1ebf m\u1eb7c d\u00f9 v\u1eabn n\u1ee3 ti\u1ec1n ng\u00e2n h\u00e0ng.<\/p>\n

Ngo\u00e0i ra, c\u00e1c c\u1ed5 \u0111\u00f4ng c\u00e1 nh\u00e2n s\u00e1ng l\u1eadp c\u1ee7a Ph\u01b0\u01a1ng Trang c\u0169ng \u0111\u1ee9ng t\u00ean th\u00e0nh l\u1eadp nhi\u1ec1u c\u00f4ng ty kh\u00e1c nhau.<\/p>\n

Th\u1ebf n\u00ean m\u1edbi c\u00f3 chuy\u1ec7n, doanh nghi\u1ec7p cho r\u1eb1ng ch\u1eb3ng c\u00f3 ph\u00e1p nh\u00e2n n\u00e0o t\u00ean l\u00e0 C\u00f4ng ty c\u1ed5 ph\u1ea7n \u0110\u1ea7u t\u01b0 Ph\u01b0\u01a1ng Trang c\u00f3 quan h\u1ec7 t\u00edn d\u1ee5ng v\u1edbi ng\u00e2n h\u00e0ng CB, c\u00f2n v\u0103n b\u1ea3n c\u1ee7a CB th\u00ec ghi C\u00f4ng ty c\u1ed5 ph\u1ea7n Xe kh\u00e1ch Ph\u01b0\u01a1ng Trang (Futa Bus Lines) l\u00e0 \u0111\u01a1n v\u1ecb ch\u1ecbu tr\u00e1ch nhi\u1ec7m v\u1ec1 kho\u1ea3n n\u1ee3.<\/p>\n

C\u00f3 th\u1ec3 th\u1ea5y, chuy\u1ec7n ng\u00e2n h\u00e0ng cho nhi\u1ec1u c\u00f4ng ty c\u00f3 li\u00ean quan ng\u1ea7m vay, hay doanh nghi\u1ec7p c\u1ed1 t\u00ecnh \u0111\u1ebb ra nhi\u1ec1u c\u00f4ng ty \u0111\u1ec3 chia nh\u1ecf c\u00e1c kho\u1ea3n vay hay l\u00e0m nh\u01b0 kh\u00f4ng li\u00ean quan v\u1edbi nhau tr\u00ean h\u1ed3 s\u01a1 s\u1ed5 s\u00e1ch l\u00e0 m\u1ed9t… th\u1ef1c t\u1ebf m\u00e0 c\u00f3 l\u1ebd ph\u00e1p lu\u1eadt ch\u01b0a \u0111i\u1ec1u ch\u1ec9nh h\u1ebft \u0111\u01b0\u1ee3c c\u00e1c ng\u00f3c ng\u00e1ch.<\/p>\n

Vi\u1ec7c doanh nghi\u1ec7p c\u1ea7n ti\u1ec1n, mu\u1ed1n vay nhi\u1ec1u ng\u00e0n t\u1ec9 \u0111\u1ed3ng, k\u1ebft h\u1ee3p v\u1edbi kh\u00e1t khao tr\u1edf th\u00e0nh \u201cng\u00e2n h\u00e0ng h\u00e0ng \u0111\u1ea7u\u201d c\u1ee7a m\u1ed9t s\u1ed1 ng\u00e2n h\u00e0ng, \u0111\u00e3 t\u1ea1o ra c\u00e1c kho\u1ea3n vay b\u1ecb chia nh\u1ecf nh\u01b0ng th\u1ef1c ch\u1ea5t l\u00e0 r\u1ea5t l\u1edbn, kh\u00f4ng ch\u1ec9 ri\u00eang v\u1edbi tr\u01b0\u1eddng h\u1ee3p Ph\u01b0\u01a1ng Trang.<\/p>\n

\u201cN\u1ebfu n\u00f3i ng\u00e2n h\u00e0ng k\u00e9m \u0111\u1ebfn n\u1ed7i kh\u00f4ng bi\u1ebft doanh nghi\u1ec7p tr\u1ee5c tr\u1eb7c m\u00e0 v\u1eabn vui v\u1ebb cho vay th\u00ec kh\u1ea3 n\u0103ng \u1ea5y g\u1ea7n nh\u01b0 kh\u00f4ng c\u00f3. T\u00f4i c\u00f3 th\u1ec3 kh\u1eb3ng \u0111\u1ecbnh quy chu\u1ea9n c\u1ee7a ng\u00e0nh ng\u00e2n h\u00e0ng g\u1ea7n \u0111\u00e2y ng\u00e0y c\u00e0ng ch\u1eb7t, n\u1ebfu ch\u1ee7 \u0111\u1ea7u t\u01b0 c\u1ed1 t\u00ecnh l\u1ea5p li\u1ebfm \u0111\u1ec3 vay v\u1ed1n, t\u00f4i tin 99% ng\u00e2n h\u00e0ng ph\u00e1t hi\u1ec7n ra\u201d, l\u00e3nh \u0111\u1ea1o m\u1ed9t ng\u00e2n h\u00e0ng n\u00f3i.<\/p>\n

Theo \u00f4ng, \u201cc\u00f2n n\u1ebfu ng\u01b0\u1eddi c\u1ee7a ng\u00e2n h\u00e0ng c\u1ed1 t\u00ecnh l\u1edd \u0111i c\u00e1c \u0111i\u1ec3m y\u1ebfu c\u1ee7a doanh nghi\u1ec7p m\u00e0 ti\u1ebfp t\u1ee5c b\u01a1m v\u1ed1n ra th\u00ec… ch\u1ecbu\u201d.<\/p>\n

Thanh tra ng\u00e2n h\u00e0ng \u1edf \u0111\u00e2u?<\/p>\n

Hi\u1ec7n c\u00f3 hai c\u00e1ch NHNN thanh tra c\u00e1c ng\u00e2n h\u00e0ng: thanh tra h\u1ed3 s\u01a1 v\u00e0 thanh tra tr\u1ef1c ti\u1ebfp.<\/p>\n

V\u1edbi h\u00ecnh th\u1ee9c thanh tra h\u1ed3 s\u01a1 vay v\u1ed1n, n\u1ebfu h\u1ed3 s\u01a1 \u0111\u01b0\u1ee3c l\u00e0m k\u1ef9, che gi\u1ea5u t\u1ed1t, h\u1ed3 s\u01a1 vay v\u1ed1n c\u1ee7a m\u1ed9t nh\u00f3m c\u00f4ng ty li\u00ean quan ng\u1ea7m nh\u01b0ng tr\u00ean gi\u1ea5y t\u1edd th\u1ec3 hi\u1ec7n \u0111\u1ed9c l\u1eadp v\u1edbi nhau th\u00ec thanh tra c\u00f3 th\u1ec3 kh\u00f4ng ph\u00e1t hi\u1ec7n ra.<\/p>\n

Nh\u01b0ng v\u1edbi h\u00ecnh th\u1ee9c thanh tra, ki\u1ec3m tra tr\u1ef1c ti\u1ebfp, ng\u01b0\u1eddi c\u1ee7a c\u01a1 quan thanh tra \u0111\u1ebfn t\u1eadn ng\u00e2n h\u00e0ng xem gi\u1ea5y t\u1edd v\u00e0 \u0111\u1ebfn t\u1eadn doanh nghi\u1ec7p xem d\u1ef1 \u00e1n c\u00f9ng v\u1edbi theo d\u00f5i \u0111\u01b0\u1eddng \u0111i c\u1ee7a c\u00e1c d\u00f2ng ti\u1ec1n th\u00ec kh\u00f4ng kh\u00f3 \u0111\u1ec3 nh\u00ecn ra s\u1ef1 b\u1ea5t th\u01b0\u1eddng c\u1ee7a h\u1ed3 s\u01a1 vay v\u1ed1n.<\/p>\n

X\u1ea3y ra v\u1ee5 vi\u1ec7c n\u00e0y, theo m\u1ed9t s\u1ed1 ng\u00e2n h\u00e0ng, h\u1ec7 th\u1ed1ng th\u1ea9m \u0111\u1ecbnh t\u00edn d\u1ee5ng x\u00e9t duy\u1ec7t cho vay v\u00e0 h\u1ec7 th\u1ed1ng th\u1ea9m \u0111\u1ecbnh sau cho vay c\u1ee7a ng\u00e2n h\u00e0ng c\u00f3 tr\u1ee5c tr\u1eb7c. C\u00f2n v\u1ec1 ph\u00eda c\u01a1 quan tranh tra, h\u1ecd \u0111\u00e3 kh\u00f4ng nh\u1eadn ra ho\u1eb7c nh\u1eadn ra nh\u01b0ng kh\u00f4ng ng\u0103n ch\u1eb7n k\u1ecbp th\u1eddi.<\/p>\n

\u201cCh\u00fang t\u00f4i b\u00e1o c\u00e1o NHNN t\u1eebng ng\u00e0y. M\u1ed9t kho\u1ea3n vay c\u00f3 v\u1ea5n \u0111\u1ec1, n\u1ed9i b\u1ed9 ng\u00e2n h\u00e0ng ch\u1eafc ch\u1eafn bi\u1ebft th\u00ec thanh tra c\u0169ng c\u00f3 th\u1ec3 c\u00f3 \u0111\u1ea7y \u0111\u1ee7 th\u00f4ng tin \u0111\u1ec3 bi\u1ebft. Khi ph\u00e1t hi\u1ec7n kho\u1ea3n vay b\u1ea5t th\u01b0\u1eddng, th\u01b0\u1eddng l\u00e0 tranh tra s\u1ebd y\u00eau c\u1ea7u kh\u1eafc ph\u1ee5c ngay, doanh nghi\u1ec7p tr\u1ea3 l\u1ea1i ti\u1ec1n vay cho ng\u00e2n h\u00e0ng\u201d, m\u1ed9t ng\u01b0\u1eddi l\u00e0m ng\u00e2n h\u00e0ng \u0111\u1ec1 ngh\u1ecb kh\u00f4ng n\u00eau t\u00ean cho bi\u1ebft. Nh\u01b0ng theo v\u1ecb n\u00e0y \u201ctr\u00ean th\u1ef1c t\u1ebf, c\u00f3 tr\u01b0\u1eddng h\u1ee3p khi b\u1ecb y\u00eau c\u1ea7u kh\u1eafc ph\u1ee5c nguy\u00ean tr\u1ea1ng kho\u1ea3n vay th\u00ec doanh nghi\u1ec7p l\u1ea1i vay th\u00f4ng qua m\u1ed9t c\u00f4ng ty X, Y \u1edf \u0111\u00e2u \u0111\u00f3 kh\u00f4ng h\u1ec1 li\u00ean h\u1ec7 g\u00ec \u0111\u1ebfn doanh nghi\u1ec7p c\u0169, n\u00ean n\u1ebfu ng\u00e0nh ng\u00e2n h\u00e0ng kh\u00f4ng c\u1ea3i thi\u1ec7n t\u1eeb y\u1ebfu t\u1ed1 con ng\u01b0\u1eddi th\u00ec v\u1eabn th\u1ebf\u201d.<\/p>\n

Theo lu\u1eadt s\u01b0 Tr\u01b0\u01a1ng Thanh \u0110\u1ee9c, khi ng\u01b0\u1eddi c\u1ee7a ng\u00e2n h\u00e0ng c\u00f2n hi\u1ec3u kh\u00f4ng \u0111\u00fang v\u1ec1 \u0111\u1ed3ng ti\u1ec1n m\u00ecnh qu\u1ea3n l\u00fd th\u00ec c\u00f2n chuy\u1ec7n \u201c\u0111i \u0111\u00eam\u201d v\u1edbi doanh nghi\u1ec7p. Cho vay \u0111\u00e3 sai r\u1ed3i, n\u1ebfu h\u1edf ra th\u00ec v\u1ee1 tr\u1eadn, b\u1ecb \u0111i t\u00f9, b\u1ecb n\u1ee3 x\u1ea5u t\u0103ng, \u0111\u00e2m lao ph\u1ea3i theo lao, th\u1eadm ch\u00ed c\u00f3 n\u01a1i c\u00e0ng bi\u1ebft doanh nghi\u1ec7p x\u1ea5u c\u00e0ng cho vay nhi\u1ec1u. L\u1ea5y c\u00e1i sai n\u00e0y s\u1eeda c\u00e1i sai kh\u00e1c n\u00ean c\u00e0ng sai. C\u1ee9 th\u1ebf ng\u00e2n h\u00e0ng v\u00e0 doanh nghi\u1ec7p \u201c\u0111u\u201d v\u00e0o nhau. Ng\u00e2n h\u00e0ng th\u00e0nh \u201ccon n\u1ee3\u201d c\u1ee7a doanh nghi\u1ec7p l\u00fac n\u00e0o kh\u00f4ng hay!<\/p>\n

H\u1ed3ng Ph\u00fac<\/strong><\/p>\n

——————<\/p>\n

TB Kinh t\u1ebf S\u00e0i G\u00f2n 27-6-2016:<\/em><\/strong><\/p>\n

http:\/\/mobile.thesaigontimes.vn\/tinbaichitiet\/148031<\/em><\/a><\/p>\n

(212\/1.569)<\/em>","protected":false},"excerpt":{"rendered":"

(TBKT) – Xung quanh v\u1ee5 tranh c\u00e3i ch\u01b0a t\u1edbi h\u1ed3i k\u1ebft gi\u1eefa Ng\u00e2n h\u00e0ng CB v\u00e0 C\u00f4ng ty c\u1ed5 ph\u1ea7n \u0110\u1ea7u t\u01b0 Ph\u01b0\u01a1ng Trang (\u0111\u1ea1i di\u1ec7n m\u1ed9t nh\u00f3m c\u00f4ng ty t\u01b0 nh\u00e2n c\u00f3 nh\u1eadn di\u1ec7n th\u01b0\u01a1ng hi\u1ec7u Ph\u01b0\u01a1ng Trang) v\u1ec1 nh\u1eefng kho\u1ea3n n\u1ee3 x\u1ea5u l\u1edbn m\u00e0 ng\u00e2n h\u00e0ng n\u00e0y \u0111\u00e3 cho doanh nghi\u1ec7p vay n\u1ea3y […]<\/p>\n","protected":false},"author":10,"featured_media":18884,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":""},"categories":[27,26],"tags":[],"class_list":["post-18861","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-interviews","category-legal-media"],"acf":[],"yoast_head":"\n1.161. 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