{"id":19497,"date":"2015-12-05T16:08:58","date_gmt":"2015-12-05T09:08:58","guid":{"rendered":"https:\/\/anvilaw.com\/vi\/?p=19497"},"modified":"2022-04-26T16:13:41","modified_gmt":"2022-04-26T09:13:41","slug":"916-coi-troi-lai-vay-tieu-dung","status":"publish","type":"post","link":"https:\/\/anvilaw.com\/vi\/916-coi-troi-lai-vay-tieu-dung\/","title":{"rendered":"916. C\u1edfi tr\u00f3i l\u00e3i vay ti\u00eau d\u00f9ng"},"content":{"rendered":"(\u0110T) – B\u1ed9 lu\u1eadt D\u00e2n s\u1ef1 (s\u1eeda \u0111\u1ed5i) v\u1eeba \u0111\u01b0\u1ee3c Qu\u1ed1c h\u1ed9i th\u00f4ng qua th\u00e1ng 11\/2015 \u0111\u00e3 ch\u00ednh th\u1ee9c \u201cx\u00f3a s\u1ed5\u201d l\u00e3i su\u1ea5t c\u01a1 b\u1ea3n v\u00e0 \u0111\u01b0a ra m\u1ee9c tr\u1ea7n l\u00e3i su\u1ea5t cho vay 20%\/n\u0103m \u0111\u1ec3 h\u1ea1n ch\u1ebf t\u00edn d\u1ee5ng \u0111en. Tuy nhi\u00ean, Lu\u1eadt c\u0169ng \u0111\u1ec3 ng\u1ecf m\u1ed9t \u201ckhe c\u1eeda\u201d \u0111\u1ec3 c\u00e1c t\u1ed5 ch\u1ee9c t\u00edn d\u1ee5ng ch\u1ee7 \u0111\u1ed9ng l\u00e3i su\u1ea5t cho vay ph\u00f9 h\u1ee3p v\u1edbi qu\u1ea3n tr\u1ecb r\u1ee7i ro.<\/strong><\/p>\n

T\u1ed5 ch\u1ee9c t\u00edn d\u1ee5ng \u0111\u01b0\u1ee3c t\u1ef1 do l\u00e3i su\u1ea5t?<\/strong><\/p>\n

Qu\u1ed1c h\u1ed9i ch\u00ednh th\u1ee9c th\u00f4ng qua B\u1ed9 lu\u1eadt D\u00e2n s\u1ef1 (s\u1eeda \u0111\u1ed5i) v\u1edbi thay \u0111\u1ed5i \u0111\u00e1ng k\u1ec3 quy \u0111\u1ecbnh v\u1ec1 l\u00e3i su\u1ea5t. Theo \u0111\u00f3, Lu\u1eadt quy \u0111\u1ecbnh: \u201cTr\u01b0\u1eddng h\u1ee3p c\u00e1c b\u00ean c\u00f3 th\u1ecfa thu\u1eadn v\u1ec1 l\u00e3i su\u1ea5t th\u00ec l\u00e3i su\u1ea5t theo th\u1ecfa thu\u1eadn kh\u00f4ng \u0111\u01b0\u1ee3c v\u01b0\u1ee3t qu\u00e1 20%\/n\u0103m c\u1ee7a kho\u1ea3n ti\u1ec1n vay, tr\u1eeb tr\u01b0\u1eddng h\u1ee3p lu\u1eadt kh\u00e1c c\u00f3 li\u00ean quan c\u00f3 quy \u0111\u1ecbnh kh\u00e1c\u201d.<\/p>\n

N\u1ebfu \u0111\u1ecdc qua, nhi\u1ec1u ng\u01b0\u1eddi hi\u1ec3u r\u1eb1ng, t\u1ea5t c\u1ea3 ng\u01b0\u1eddi d\u00e2n, t\u1ed5 ch\u1ee9c t\u00edn d\u1ee5ng, trong \u0111\u00f3 c\u00f3 c\u1ea3 c\u00f4ng ty\u00a0t\u00e0i ch\u00ednh<\/a>\u00a0ch\u1ec9 \u0111\u01b0\u1ee3c cho vay v\u1edbi l\u00e3i su\u1ea5t t\u1ed1i \u0111a 20%\/n\u0103m. Tuy nhi\u00ean, theo TS. Cao S\u0129 Ki\u00eam, nguy\u00ean Th\u1ed1ng \u0111\u1ed1c\u00a0Ng\u00e2n h\u00e0ng<\/a>\u00a0Nh\u00e0 n\u01b0\u1edbc (NHNN), quy \u0111\u1ecbnh c\u00f3 ngh\u0129a l\u00e0 tr\u1ea7n l\u00e3i su\u1ea5t cho vay 20%\/n\u0103m ch\u1ec9 \u0111\u01b0\u1ee3c s\u1eed d\u1ee5ng nh\u1eb1m \u0111i\u1ec1u ch\u1ec9nh ho\u1ea1t \u0111\u1ed9ng t\u00edn d\u1ee5ng phi ch\u00ednh th\u1ee9c, kh\u1ed1ng ch\u1ebf n\u1ea1n cho vay n\u1eb7ng l\u00e3i. C\u00f2n kh\u00e1i ni\u1ec7m \u201ctr\u1eeb tr\u01b0\u1eddng h\u1ee3p lu\u1eadt kh\u00e1c c\u00f3 li\u00ean quan quy \u0111\u1ecbnh kh\u00e1c\u201d h\u00e0m \u00fd r\u1eb1ng, c\u00e1c t\u1ed5 ch\u1ee9c t\u00edn d\u1ee5ng s\u1ebd \u0111\u01b0\u1ee3c cho vay theo l\u00e3i su\u1ea5t th\u1ecfa thu\u1eadn theo quy \u0111\u1ecbnh c\u1ee7a Lu\u1eadt C\u00e1c t\u1ed5 ch\u1ee9c t\u00edn d\u1ee5ng.<\/p>\n\n\n\n\n
\"\"<\/td>\n<\/tr>\n
Th\u1ef1c t\u1ebf, hi\u1ec7n nay, l\u00e3i su\u1ea5t cho vay\u00a0ti\u00eau d\u00f9ng<\/a>\u00a0c\u1ee7a c\u00e1c ng\u00e2n h\u00e0ng dao \u0111\u1ed9ng t\u1eeb 15-25%\/n\u0103m, c\u1ee7a c\u00e1c c\u00f4ng ty t\u00e0i ch\u00ednh ti\u00eau d\u00f9ng c\u00f3 th\u1ec3 l\u00ean t\u1edbi 50 – 60%\/n\u0103m, \u00e1p d\u1ee5ng cho c\u00e1c kh\u00e1ch vay r\u1ee7i ro cao<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n

\u0110\u1ed3ng t\u00ecnh v\u1edbi \u00fd ki\u1ebfn n\u00e0y, 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 cho r\u1eb1ng, quy \u0111\u1ecbnh \u201ctr\u1eeb tr\u01b0\u1eddng h\u1ee3p li\u00ean quan\u201d c\u00f3 ngh\u0129a cho ph\u00e9p c\u00e1c t\u1ed5 ch\u1ee9c t\u00edn d\u1ee5ng ti\u1ebfp t\u1ee5c th\u1ef1c hi\u1ec7n l\u00e3i su\u1ea5t th\u1ecfa thu\u1eadn nh\u01b0 tr\u01b0\u1edbc \u0111\u00e2y. \u201cTr\u1ea7n l\u00e3i su\u1ea5t trong B\u1ed9 lu\u1eadt D\u00e2n s\u1ef1 (s\u1eeda \u0111\u1ed5i) kh\u00f4ng t\u00e1c \u0111\u1ed9ng \u0111\u1ebfn ho\u1ea1t \u0111\u1ed9ng cho vay c\u1ee7a t\u1ed5 ch\u1ee9c t\u00edn d\u1ee5ng\u201d, \u00f4ng Tr\u01b0\u01a1ng Thanh \u0110\u1ee9c nh\u1eadn x\u00e9t.<\/em><\/p>\n

Trong khi \u0111\u00f3, Ph\u00f3 t\u1ed5ng gi\u00e1m \u0111\u1ed1c m\u1ed9t ng\u00e2n h\u00e0ng chia s\u1ebb: \u201cCh\u00fang t\u00f4i hy v\u1ecdng, c\u00e1c v\u0103n b\u1ea3n h\u01b0\u1edbng d\u1eabn s\u1ebd ghi r\u00f5 l\u00e0 tr\u1ea7n l\u00e3i su\u1ea5t 20% \u00e1p d\u1ee5ng cho nh\u1eefng \u0111\u1ed1i t\u01b0\u1ee3ng n\u00e0o v\u00e0 c\u00e1c t\u1ed5 ch\u1ee9c t\u00edn d\u1ee5ng c\u00f3 ph\u1ea3i tu\u00e2n theo quy \u0111\u1ecbnh n\u00e0y hay \u0111\u01b0\u1ee3c ph\u00e9p \u00e1p d\u1ee5ng lu\u1eadt chuy\u00ean ng\u00e0nh. Tuy nhi\u00ean, kh\u1ea3 n\u0103ng cao l\u00e0 c\u00e1c ng\u00e2n h\u00e0ng, c\u00e1c c\u00f4ng ty t\u00e0i ch\u00ednh s\u1ebd cho vay theo l\u00e3i su\u1ea5t th\u1ecfa thu\u1eadn v\u00ec vi\u1ec7c kh\u1ed1ng ch\u1ebf tr\u1ea7n l\u00e3i su\u1ea5t cho vay 20% v\u1edbi t\u1ed5 ch\u1ee9c t\u00edn d\u1ee5ng l\u00e0 kh\u00f4ng h\u1ee3p l\u00fd\u201d.<\/p>\n

Th\u1ef1c t\u1ebf, hi\u1ec7n nay, l\u00e3i su\u1ea5t cho vay ti\u00eau d\u00f9ng c\u1ee7a c\u00e1c ng\u00e2n h\u00e0ng dao \u0111\u1ed9ng t\u1eeb 15-25%\/n\u0103m, c\u1ee7a c\u00e1c c\u00f4ng ty t\u00e0i ch\u00ednh ti\u00eau d\u00f9ng c\u00f3 th\u1ec3 l\u00ean t\u1edbi 50 – 60%\/n\u0103m, \u00e1p d\u1ee5ng cho c\u00e1c kh\u00e1ch vay r\u1ee7i ro cao.<\/p>\n

    \n
  1. Nguy\u1ec5n Tr\u00ed Hi\u1ebfu, chuy\u00ean gia ng\u00e2n h\u00e0ng b\u00ecnh lu\u1eadn: \u201cTr\u1ea7n l\u00e3i su\u1ea5t ch\u1ec9 n\u00ean \u00e1p d\u1ee5ng \u0111\u1ec3 ng\u0103n ch\u1eb7n t\u00edn d\u1ee5ng \u0111en, c\u00f2n v\u1edbi c\u00e1c t\u1ed5 ch\u1ee9c t\u00edn d\u1ee5ng, nh\u1ea5t l\u00e0 c\u00e1c c\u00f4ng ty t\u00e0i ch\u00ednh, th\u00ec n\u00ean \u0111\u1ec3 t\u1ef1 do h\u00f3a l\u00e3i su\u1ea5t. B\u1edfi vay ti\u00eau d\u00f9ng d\u1ef1a tr\u00ean t\u00edn ch\u1ea5p l\u00e0 ch\u00ednh, r\u1ee7i ro r\u1ea5t cao n\u00ean n\u1ebfu \u00e1p tr\u1ea7n, ch\u1eafc ch\u1eafn c\u00e1c c\u00f4ng ty t\u00e0i ch\u00ednh s\u1ebd kh\u00f4ng th\u1ec3 tri\u1ec3n khai cho vay. Tr\u00ean th\u1ef1c t\u1ebf, t\u1ea1i nhi\u1ec1u n\u01b0\u1edbc ti\u00ean ti\u1ebfn tr\u00ean th\u1ebf gi\u1edbi, l\u00e3i su\u1ea5t cho vay ti\u00eau d\u00f9ng c\u0169ng l\u00ean t\u1edbi 30 – 40%\u201d.<\/li>\n<\/ol>\n

    V\u1eabn c\u00f2n nhi\u1ec1u b\u1ea5t h\u1ee3p l\u00fd<\/strong><\/p>\n

    Nh\u1eadn \u0111\u1ecbnh quy \u0111\u1ecbnh m\u1edbi v\u1ec1 tr\u1ea7n l\u00e3i su\u1ea5t c\u1ee7a B\u1ed9 lu\u1eadt D\u00e2n s\u1ef1 (s\u1eeda \u0111\u1ed5i) l\u00e0 h\u1ee3p l\u00fd, song lu\u1eadt s\u01b0 Tr\u01b0\u01a1ng Thanh \u0110\u1ee9c cho r\u1eb1ng, quy tr\u00ecnh \u201cc\u1ee9ng\u201d tr\u1ea7n l\u00e3i su\u1ea5t 20% l\u00e0 ch\u01b0a \u1ed5n, phi th\u1ecb tr\u01b0\u1eddng. B\u00ean c\u1ea1nh \u0111\u00f3, vi\u1ec7c b\u1eaft bu\u1ed9c t\u00edn d\u1ee5ng phi ch\u00ednh th\u1ee9c – v\u1ed1n r\u1ee7i ro cao – ph\u1ea3i \u00e1p tr\u1ea7n l\u00e3i su\u1ea5t cho vay trong khi c\u00e1c t\u1ed5 ch\u1ee9c t\u00edn d\u1ee5ng l\u1ea1i \u0111\u01b0\u1ee3c t\u1ef1 do h\u00f3a l\u00e3i su\u1ea5t l\u00e0 b\u1ea5t b\u00ecnh \u0111\u1eb3ng. Ch\u01b0a k\u1ec3, m\u1ee9c l\u00e3i su\u1ea5t 20% hi\u1ec7n nay c\u0169ng phi th\u1ef1c t\u1ebf.<\/p>\n

    Nhi\u1ec1u chuy\u00ean gia ng\u00e2n h\u00e0ng c\u0169ng cho r\u1eb1ng, hi\u1ec7n nay, t\u00edn d\u1ee5ng ch\u00ednh th\u1ee9c \u1edf Vi\u1ec7t Nam ch\u01b0a \u0111\u00e1p \u1ee9ng \u0111\u01b0\u1ee3c \u0111\u1ea7y \u0111\u1ee7 nhu c\u1ea7u t\u00edn d\u1ee5ng c\u1ee7a ng\u01b0\u1eddi d\u00e2n v\u00e0\u00a0doanh nghi\u1ec7p<\/a>. Do \u0111\u00f3, r\u1ea5t c\u1ea7n c\u00f3 ch\u00ednh s\u00e1ch khuy\u1ebfn kh\u00edch c\u00e1c t\u1ed5 ch\u1ee9c t\u00edn d\u1ee5ng phi ng\u00e2n h\u00e0ng ph\u00e1t tri\u1ec3n (\u0111\u1eb7c bi\u1ec7t l\u00e0 c\u00e1c c\u00f4ng ty t\u00e0i ch\u00ednh ti\u00eau d\u00f9ng) \u0111\u1ec3 thu h\u1eb9p b\u1edbt th\u1ecb tr\u01b0\u1eddng t\u00edn d\u1ee5ng phi ch\u00ednh th\u1ee9c. N\u1ebfu kh\u00f4ng kh\u00e9o, quy \u0111\u1ecbnh v\u1ec1 tr\u1ea7n l\u00e3i su\u1ea5t s\u1ebd khi\u1ebfn quy \u0111\u1ecbnh v\u1ec1 cho vay ti\u00eau d\u00f9ng b\u1ecb co h\u1eb9p.<\/p>\n

    \u201cCho vay ti\u00eau d\u00f9ng c\u00f3 m\u1ee9c \u0111\u1ed9 r\u1ee7i ro cao, n\u00ean kh\u00f4ng th\u1ec3 \u0111\u00f2i h\u1ecfi l\u00e3i su\u1ea5t cho vay th\u1ea5p nh\u01b0 l\u00e3i su\u1ea5t cho vay c\u1ee7a ng\u00e2n h\u00e0ng. Ch\u00fang ta c\u0169ng kh\u00f4ng n\u00ean lo ng\u1ea1i n\u1ebfu th\u1ea3 n\u1ed5i th\u00ec l\u00e3i su\u1ea5t cho vay ti\u00eau d\u00f9ng s\u1ebd t\u0103ng cao. Ng\u01b0\u1ee3c l\u1ea1i, n\u1ebfu t\u1ea1o \u0111i\u1ec1u ki\u1ec7n cho c\u00e1c c\u00f4ng ty t\u00e0i ch\u00ednh ph\u00e1t tri\u1ec3n, c\u1ea1nh tranh s\u1ebd ng\u00e0y c\u00e0ng t\u0103ng v\u00e0 l\u00e3i su\u1ea5t cho vay s\u1ebd ph\u1ea3i gi\u1ea3m d\u1ea7n xu\u1ed1ng\u201d, TS. Nguy\u1ec5n Tr\u00ed Hi\u1ebfu n\u00f3i.<\/p>\n

    Theo quan \u0111i\u1ec3m c\u1ee7a l\u00e3nh \u0111\u1ea1o nhi\u1ec1u ng\u00e2n h\u00e0ng, c\u00f4ng c\u1ee5 l\u00e3i su\u1ea5t \u0111\u1ec3 ch\u1ed1ng cho vay n\u1eb7ng l\u00e3i hi\u1ec7n nay l\u00e0 kh\u00f4ng hi\u1ec7u qu\u1ea3 trong th\u1ef1c t\u1ebf. V\u00ec v\u1eady, thay v\u00ec tr\u00f4ng \u0111\u1ee3i nhi\u1ec1u v\u00e0o c\u00f4ng c\u1ee5 l\u00e3i su\u1ea5t, c\u00e1c c\u01a1 quan ph\u00e1p lu\u1eadt c\u1ea7n t\u00ecm ra gi\u1ea3i ph\u00e1p h\u1eefu hi\u1ec7u h\u01a1n, c\u00f2n l\u00e3i su\u1ea5t cho vay n\u00ean \u0111\u1ec3 th\u1ecb tr\u01b0\u1eddng t\u1ef1 quy\u1ebft \u0111\u1ecbnh, tr\u1eeb nh\u1eefng l\u0129nh v\u1ef1c \u01b0u ti\u00ean.<\/p>\n

    Tr\u1ea7n M\u1ea1nh<\/strong><\/p>\n

    ——————————————–<\/p>\n

    \u0110\u1ea7u t\u01b0 (Ng\u00e2n h\u00e0ng) 05-12-2015:<\/em><\/strong><\/p>\n

    http:\/\/baodautu.vn\/coi-troi-lai-vay-tieu-dung-d36470.html<\/em><\/p>\n

    (78\/984)","protected":false},"excerpt":{"rendered":"

    (\u0110T) – B\u1ed9 lu\u1eadt D\u00e2n s\u1ef1 (s\u1eeda \u0111\u1ed5i) v\u1eeba \u0111\u01b0\u1ee3c Qu\u1ed1c h\u1ed9i th\u00f4ng qua th\u00e1ng 11\/2015 \u0111\u00e3 ch\u00ednh th\u1ee9c \u201cx\u00f3a s\u1ed5\u201d l\u00e3i su\u1ea5t c\u01a1 b\u1ea3n v\u00e0 \u0111\u01b0a ra m\u1ee9c tr\u1ea7n l\u00e3i su\u1ea5t cho vay 20%\/n\u0103m \u0111\u1ec3 h\u1ea1n ch\u1ebf t\u00edn d\u1ee5ng \u0111en. Tuy nhi\u00ean, Lu\u1eadt c\u0169ng \u0111\u1ec3 ng\u1ecf m\u1ed9t \u201ckhe c\u1eeda\u201d \u0111\u1ec3 c\u00e1c t\u1ed5 ch\u1ee9c t\u00edn […]<\/p>\n","protected":false},"author":1,"featured_media":19500,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":""},"categories":[27,26],"tags":[],"class_list":["post-19497","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-interviews","category-legal-media"],"acf":[],"yoast_head":"\n916. C\u1edfi tr\u00f3i l\u00e3i vay ti\u00eau d\u00f9ng - 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\/en\/tieng-viet-916-coi-troi-lai-vay-tieu-dung\/\" \/>\n<meta property=\"og:locale\" content=\"vi_VN\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"[:vi]916. C\u1edfi tr\u00f3i l\u00e3i vay ti\u00eau d\u00f9ng[:] - ANVI Law Firm\" \/>\n<meta property=\"og:description\" content=\"(\u0110T) – B\u1ed9 lu\u1eadt D\u00e2n s\u1ef1 (s\u1eeda \u0111\u1ed5i) v\u1eeba \u0111\u01b0\u1ee3c Qu\u1ed1c h\u1ed9i th\u00f4ng qua th\u00e1ng 11\/2015 \u0111\u00e3 ch\u00ednh th\u1ee9c \u201cx\u00f3a s\u1ed5\u201d l\u00e3i su\u1ea5t c\u01a1 b\u1ea3n v\u00e0 \u0111\u01b0a ra m\u1ee9c tr\u1ea7n l\u00e3i su\u1ea5t cho vay 20%\/n\u0103m \u0111\u1ec3 h\u1ea1n ch\u1ebf t\u00edn d\u1ee5ng \u0111en. 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