{"id":19973,"date":"2015-09-18T10:45:06","date_gmt":"2015-09-18T03:45:06","guid":{"rendered":"https:\/\/anvilaw.com\/vi\/?p=19973"},"modified":"2022-04-29T10:53:44","modified_gmt":"2022-04-29T03:53:44","slug":"828-ngan-hang-gap-kho-khi-doanh-nghiep-tu-lam-con-dau","status":"publish","type":"post","link":"https:\/\/anvilaw.com\/vi\/828-ngan-hang-gap-kho-khi-doanh-nghiep-tu-lam-con-dau\/","title":{"rendered":"828. Ng\u00e2n h\u00e0ng g\u1eb7p kh\u00f3 khi doanh nghi\u1ec7p t\u1ef1 l\u00e0m con d\u1ea5u!"},"content":{"rendered":"(TC+) – Trong c\u1ea3i c\u00e1ch th\u1ee7 t\u1ee5c v\u1ec1 d\u1ea5u, doanh nghi\u1ec7p \u0111\u01b0\u1ee3c t\u1ef1 quy\u1ebft \u0111\u1ecbnh s\u1ed1 l\u01b0\u1ee3ng v\u00e0 h\u00ecnh th\u1ee9c con d\u1ea5u; m\u00e0y m\u1ef1c d\u1ea5u, n\u1ed9i dung con d\u1ea5u, qu\u1ea3n l\u00fd v\u00e0 s\u1eed d\u1ee5ng con d\u1ea5u.<\/strong><\/p>\n\n\n\n\n
\"\"<\/td>\n<\/tr>\n
Lu\u1eadt Doanh nghi\u1ec7p 2014 cho ph\u00e9p doanh nghi\u1ec7p \u0111\u01b0\u1ee3c t\u1ef1 do quy\u1ebft \u0111\u1ecbnh v\u1ec1 con d\u1ea5u c\u1ee7a m\u00ecnh. \u1ea2nh minh h\u1ecda.<\/em><\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n

Doanh nghi\u1ec7p \u0111\u01b0\u1ee3c t\u1ef1 do v\u1ec1 d\u1ea5u<\/strong><\/p>\n

N\u1ebfu nh\u01b0 tr\u01b0\u1edbc \u0111\u00e2y, con d\u1ea5u l\u00e0 do c\u01a1 quan c\u00f4ng an c\u1ea5p k\u00e8m v\u1edbi ch\u1ee9ng nh\u00e2n \u0111\u0103ng k\u00fd m\u1eabu d\u1ea5u, vai tr\u00f2 c\u1ee7a con d\u1ea5u g\u1ea7n nh\u01b0 c\u00f3 th\u1ec3 xem l\u00e0 \u201cng\u01b0\u1eddi \u0111\u1ea1i di\u1ec7n theo ph\u00e1p lu\u1eadt\u201d c\u1ee7a doanh nghi\u1ec7p. Nay, v\u1edbi lu\u1eadt Doanh nghi\u1ec7p 2014 c\u00f3 hi\u1ec7u l\u1ef1c thi h\u00e0nh t\u1eeb 01\/07\/2015, doanh nghi\u1ec7p s\u1ebd \u0111\u01b0\u1ee3c t\u1ef1 ch\u1ee7 l\u00e0m con d\u1ea5u v\u00e0 c\u01a1 quan c\u00f4ng an s\u1ebd kh\u00f4ng c\u00f2n qu\u1ea3n l\u00fd d\u1ea5u.<\/p>\n

C\u1ee5 th\u1ec3 h\u01a1n, t\u1ef1 doanh nghi\u1ec7p s\u1ebd qu\u1ea3n l\u00fd d\u1ea5u v\u00e0 quy\u1ebft \u0111\u1ecbnh v\u1ec1 con d\u1ea5u c\u1ee7a m\u00ecnh. Doanh nghi\u1ec7p ch\u1ec9 l\u00e0m th\u1ee7 t\u1ee5c th\u00f4ng b\u00e1o m\u1eabu d\u1ea5u cho c\u01a1 quan \u0111\u0103ng k\u00fd kinh doanh \u0111\u1ec3 c\u01a1 quan n\u00e0y \u0111\u01b0a l\u00ean trang th\u00f4ng tin qu\u1ed1c gia v\u1ec1 doanh nghi\u1ec7p.<\/p>\n

Trong c\u1ea3i c\u00e1ch th\u1ee7 t\u1ee5c v\u1ec1 d\u1ea5u, doanh nghi\u1ec7p \u0111\u01b0\u1ee3c t\u1ef1 quy\u1ebft \u0111\u1ecbnh s\u1ed1 l\u01b0\u1ee3ng v\u00e0 h\u00ecnh th\u1ee9c con d\u1ea5u; m\u00e0y m\u1ef1c d\u1ea5u, n\u1ed9i dung con d\u1ea5u, qu\u1ea3n l\u00fd v\u00e0 s\u1eed d\u1ee5ng con d\u1ea5u.<\/p>\n

Nh\u01b0 v\u1eady, Lu\u1eadt m\u1edbi \u0111\u00e3 tr\u1ea3 l\u1ea1i vai tr\u00f2 th\u1eadt c\u1ee7a con d\u1ea5u, n\u00f3 ch\u1ec9 \u0111\u01a1n thu\u1ea7n l\u00e0 m\u1ed9t d\u1ea5u hi\u1ec7u ch\u1ee9 kh\u00f4ng th\u1ec3 \u0111\u1ea1i di\u1ec7n cho doanh nghi\u1ec7p. Do v\u1eady, \u0111\u00e3 \u0111\u1ebfn l\u00fac c\u1ea7n thay \u0111\u1ed5i t\u01b0 duy v\u1ec1 con d\u1ea5u.<\/p>\n

T\u1ea1i H\u1ed9i th\u1ea3o \u201cTri\u1ec3n khai nh\u1eefng quy \u0111\u1ecbnh m\u1edbi c\u1ee7a lu\u1eadt Doanh nghi\u1ec7p v\u00e0 lu\u1eadt \u0110\u1ea7u t\u01b0 2014\u201d do Hi\u1ec7p h\u1ed9i Ng\u00e2n h\u00e0ng v\u00e0 CLB Ph\u00e1p ch\u1ebf Ng\u00e2n h\u00e0ng t\u1ed5 ch\u1ee9c ng\u00e0y 17\/09\/2015, \u00f4ng Phan \u0110\u1ee9c Hi\u1ebfu, Tr\u01b0\u1edfng ban M\u00f4i tr\u01b0\u1eddng Kinh doanh, Vi\u1ec7n Nghi\u00ean c\u1ee9u Kinh t\u1ebf v\u00e0 Qu\u1ea3n l\u00fd Trung \u01b0\u01a1ng \u2013 \u0111\u01a1n v\u1ecb ch\u1ecbu tr\u00e1ch nhi\u1ec7m so\u1ea1n th\u1ea3o lu\u1eadt Kinh doanh v\u00e0 lu\u1eadt \u0111\u1ea7u t\u01b0 2014 cho r\u1eb1ng:<\/p>\n

\u201cTrong t\u1ea5t c\u1ea3 c\u00e1c giao d\u1ecbch, quan tr\u1ecdng nh\u1ea5t v\u1eabn l\u00e0 ng\u01b0\u1eddi th\u1ef1c hi\u1ec7n giao d\u1ecbch. Li\u1ec7u ng\u01b0\u1eddi \u0111\u00f3 c\u00f3 ph\u1ea3i l\u00e0 ng\u01b0\u1eddi \u0111\u1ea1i di\u1ec7n theo ph\u00e1p lu\u1eadt c\u1ee7a doanh nghi\u1ec7p, \u0111i\u1ec1u quan tr\u1ecdng th\u1ee9 hai l\u00e0 th\u1ea9m quy\u1ec1n c\u1ee7a ng\u01b0\u1eddi \u0111\u1ea1i di\u1ec7n, th\u1ee9 ba l\u00e0 tr\u00ecnh t\u1ef1 th\u1ee7 t\u1ee5c nh\u01b0 th\u1ebf n\u00e0o. N\u1ebfu tu\u00e2n th\u1ee7 \u0111\u00fang nguy\u00ean t\u1eafc n\u00e0y x\u00e3 h\u1ed9i s\u1ebd an to\u00e0n h\u01a1n, thay v\u00ec ch\u1ec9 tin v\u00e0o con d\u1ea5u\u201d.\u00a0<\/em><\/p>\n

M\u1ed9t s\u1ed1 \u00fd ki\u1ebfn cho r\u1eb1ng c\u1ea3i c\u00e1ch con d\u1ea5u hi\u1ec7n nay ch\u01b0a tri\u1ec7t \u0111\u1ec3, \u0111\u1ed3ng t\u00ecnh v\u1edbi quan \u0111i\u1ec3m n\u00e0y, \u00f4ng Phan \u0110\u1ee9c Hi\u1ebfu cho r\u1eb1ng c\u1ea7n ph\u1ea3i c\u00f3 m\u1ed9t tuy\u00ean b\u1ed1 r\u00f5 r\u00e0ng l\u00e0 doanh nghi\u1ec7p kh\u00f4ng nh\u1ea5t thi\u1ebft ph\u1ea3i c\u00f3 con d\u1ea5u.<\/p>\n

\u201cTuy nhi\u00ean, d\u1eabu sao th\u00ec lu\u1eadt Doanh nghi\u1ec7p c\u0169ng \u0111\u00e3 \u0111\u01b0\u1ee3c th\u00f4ng qua, m\u1eb7c d\u00f9 ch\u01b0a tuy\u00ean b\u1ed1 m\u1ed9t c\u00e1ch r\u00f5 r\u00e0ng l\u00e0 doanh nghi\u1ec7p kh\u00f4ng nh\u1ea5t thi\u1ebft ph\u1ea3i c\u00f3 d\u1ea5u nh\u01b0ng tr\u00ean b\u00ecnh di\u1ec7n th\u1ef1c t\u1ebf, c\u1ea3i c\u00e1ch v\u1ec1 con d\u1ea5u hi\u1ec7n nay c\u0169ng \u0111\u00e3 \u0111\u1ea1t \u0111\u01b0\u1ee3c 70-80% so v\u1edbi k\u1ef3 v\u1ecdng,\u201d<\/em>\u00a0\u00f4ng Phan \u0110\u1ee9c Hi\u1ebfu nh\u1eadn \u0111\u1ecbnh.<\/p>\n

C\u0169ng theo \u00f4ng Hi\u1ebfu, c\u1ea3i c\u00e1ch l\u1edbn nh\u1ea5t l\u00e0 \u0111\u00e3 thay \u0111\u1ed5i nh\u1eadn th\u1ee9c v\u1ec1 d\u1ea5u, \u0111\u01b0a con d\u1ea5u v\u1ec1 \u0111\u00fang gi\u00e1 tr\u1ecb th\u1eadt c\u1ee7a n\u00f3, con d\u1ea5u ch\u1ec9 l\u00e0 m\u1ed9t c\u00e1i d\u1ea5u hi\u1ec7u c\u1ee7a doanh nghi\u1ec7p.<\/p>\n

Tr\u01b0\u1edbc \u0111\u00e2y, doanh nghi\u1ec7p ch\u1ec9 c\u00f3 m\u1ed9t con d\u1ea5u v\u00e0 b\u1ecb qu\u1ea3n l\u00fd r\u1ea5t ch\u1eb7t ch\u1ebd b\u1edfi c\u01a1 quan c\u00f4ng an th\u00ec nay c\u0169ng \u0111\u00e3 \u0111\u01b0\u1ee3c gi\u1ea3i t\u1ecfa. Lu\u1eadt Doanh nghi\u1ec7p 2014 t\u1ea1o ra nhi\u1ec1u thu\u1eadn l\u1ee3i cho doanh nghi\u1ec7p khi doanh nghi\u1ec7p \u0111\u01b0\u1ee3c t\u1ef1 quy\u1ec1n quy\u1ebft \u0111\u1ecbnh v\u1ec1 s\u1ed1 l\u01b0\u1ee3ng, m\u1eabu m\u00e3, m\u00e0u m\u1ef1c, k\u00edch th\u01b0\u1edbc d\u1ea5u.<\/p>\n

Tuy nhi\u00ean, trong th\u1eddi gian tr\u01b0\u1edbc m\u1eaft, doanh nghi\u1ec7p v\u1eabn c\u1ea7n ph\u1ea3i c\u00f3 con d\u1ea5u, \u0111\u1ed1i v\u1edbi c\u00e1c giao d\u1ecbch d\u00e2n s\u1ef1 th\u00ec doanh nghi\u1ec7p t\u1ef1 th\u1ecfa thu\u1eadn, nh\u01b0ng do m\u1ed9t s\u1ed1 c\u01a1 quan nh\u00e0 n\u01b0\u1edbc v\u00e0 c\u00e1c quy \u0111\u1ecbnh ph\u00e1p lu\u1eadt hi\u1ec7n h\u00e0nh quy \u0111\u1ecbnh m\u1ed9t s\u1ed1 giao d\u1ecbch v\u1eabn ph\u1ea3i \u0111\u00f3ng d\u1ea5u m\u1ed9t s\u1ed1 gi\u1ea5y t\u1edd.<\/p>\n

\u201cCon d\u1ea5u \u0111\u00e3 \u0103n s\u00e2u v\u00e0o th\u00f3i quen c\u1ee7a t\u1ea5t c\u1ea3 doanh nghi\u1ec7p v\u00e0 to\u00e0n x\u00e3 h\u1ed9i n\u00ean t\u1eeb b\u1ecf quan ni\u1ec7m v\u1ec1 con d\u1ea5u kh\u00f4ng ph\u1ea3i chuy\u1ec7n m\u1ed9t s\u1edbm m\u1ed9t chi\u1ec1u. Nh\u01b0ng v\u1ec1 m\u1eb7t l\u00e2u d\u00e0i, v\u1edbi s\u1ef1 thay \u0111\u1ed5i c\u1ee7a c\u00e1c c\u01a1 quan nh\u00e0 n\u01b0\u1edbc v\u00e0 ph\u00e1p lu\u1eadt hi\u1ec7n h\u00e0nh, vi\u1ec7c b\u1ecf \u0111i c\u00e1c y\u00eau c\u1ea7u b\u1eaft bu\u1ed9c ph\u1ea3i \u0111\u00f3ng d\u1ea5u l\u00e0 \u0111i\u1ec1u t\u1ea5t y\u1ebfu. Trr\u00ean th\u1ef1c t\u1ebf c\u00e1c doanh nghi\u1ec7p kh\u00f4ng c\u1ea7n ph\u1ea3i s\u1eed d\u1ee5ng con d\u1ea5u trong m\u1ed9t s\u1ed1 giao d\u1ecbch,\u201d<\/em>\u00a0\u00f4ng Phan \u0110\u1ee9c Hi\u1ebfu n\u00f3i.<\/p>\n

Kh\u00f3 kh\u0103n d\u1ed3n v\u1ec1 ph\u00eda ng\u00e2n h\u00e0ng<\/em><\/strong><\/p>\n

Tuy nhi\u00ean, s\u1ef1 th\u00f4ng tho\u00e1ng c\u1ee7a lu\u1eadt Doanh nghi\u1ec7p v\u00e0 lu\u1eadt \u0110\u1ea7u t\u01b0 2014 \u0111\u01b0\u1ee3c xem l\u00e0 s\u1ef1 c\u1edfi tr\u00f3i cho doanh nghi\u1ec7p th\u00ec kh\u00f3 kh\u0103n l\u1ea1i d\u1ed3n v\u1ec1 ph\u00eda c\u00e1c ng\u00e2n h\u00e0ng. \u0110\u00f3 l\u00e0 nh\u1eadn \u0111\u1ecbnh c\u1ee7a Lu\u1eadt s\u01b0 Tr\u01b0\u01a1ng Thanh \u0110\u1ee9c, Gi\u00e1m \u0111\u1ed1c C\u00f4ng ty Lu\u1eadt ANVI.<\/em><\/p>\n

N\u1ebfu nh\u01b0 tr\u01b0\u1edbc \u0111\u00e2y, ng\u00e2n h\u00e0ng khi cho vay c\u1ea7n ph\u1ea3i th\u1ea9m \u0111\u1ecbnh, \u0111\u00e1nh gi\u00e1 m\u1ed9t th\u00ec b\u00e2y gi\u1edd ph\u1ea3i t\u0103ng l\u00ean g\u1ea5p 2-3 l\u1ea7n. R\u00f5 r\u00e0ng, lu\u1eadt m\u1edbi t\u1ea1o \u0111i\u1ec1u ki\u1ec7n t\u1ed1i \u0111a cho doanh nghi\u1ec7p. Thay v\u00ec c\u00f3 m\u1ed9t \u0111\u1ea1i di\u1ec7n th\u00ec b\u00e2y gi\u1edd doanh nghi\u1ec7p c\u00f3 th\u1ec3 c\u00f3 h\u01a1n m\u1ed9t \u0111\u1ea1i di\u1ec7n \u0111\u1ec3 thu\u1eadn ti\u1ec7n h\u01a1n cho giao d\u1ecbch; thay v\u00ec c\u00f3 m\u1ed9t con d\u1ea5u th\u00ec b\u00e2y gi\u1edd c\u00f3 nhi\u1ec1u con d\u1ea5u; thay v\u00ec \u0111\u0103ng k\u00fd 5-7 ng\u00e0nh ngh\u1ec1 kinh doanh th\u00ec b\u00e2y gi\u1edd c\u00f3 th\u1ec3 kinh doanh \u0111\u1ee7 th\u1ee9 mi\u1ec5n sao nh\u00e0 n\u01b0\u1edbc kh\u00f4ng c\u1ea5m.<\/em><\/p>\n

Tuy nhi\u00ean, Lu\u1eadt s\u01b0 Tr\u01b0\u01a1ng Thanh \u0110\u1ee9c cho r\u1eb1ng, lu\u1eadt kh\u00f4ng quy \u0111\u1ecbnh c\u1ee9 \u0111\u00f3ng d\u1ea5u l\u00e0 doanh nghi\u1ec7p ph\u1ea3i ch\u1ecbu tr\u00e1ch nhi\u1ec7m, c\u00f2n chuy\u1ec7n sai tr\u00e1i th\u1ebf n\u00e0o l\u00e0 vi\u1ec7c x\u1eed l\u00fd n\u1ed9i b\u1ed9. C\u1ee9 cam k\u1ebft, c\u1ee9 k\u00fd \u0111\u00fang ch\u1eef k\u00fd c\u1ee7a ng\u01b0\u1eddi \u0111\u1ea1i di\u1ec7n theo ph\u00e1p lu\u1eadt th\u00ec \u0111\u01b0\u01a1ng nhi\u00ean doanh nghi\u1ec7p ph\u1ea3i ch\u1ecbu tr\u00e1ch nhi\u1ec7m \u0111\u1ed1i v\u1edbi b\u00ean ngo\u00e0i.<\/em><\/p>\n

\u201cLu\u1eadt c\u1ee7a ch\u00fang ta d\u01b0\u1eddng nh\u01b0 \u0111\u1ed5i m\u1edbi n\u1eeda v\u1eddi \u1edf ch\u1ed7 cho ph\u00e9p r\u1ea5t nhi\u1ec1u quy\u1ec1n nh\u01b0 th\u1ebf nh\u01b0ng c\u00f3 \u0111\u00fang lu\u1eadt hay kh\u00f4ng l\u1ea1i theo quy \u0111\u1ecbnh c\u1ee7a n\u1ed9i b\u1ed9, \u0111\u01b0\u01a1ng nhi\u00ean kh\u00f4ng \u0111\u00fang th\u00ec v\u00f4 hi\u1ec7u v\u00e0 tr\u00e1ch nhi\u1ec7m l\u1ea1i \u0111\u1ea9y cho c\u00e1 nh\u00e2n. Cho n\u00ean ng\u00e2n h\u00e0ng l\u00fac n\u00e0y ngo\u00e0i vi\u1ec7c th\u1ea9m \u0111\u1ecbnh s\u1ebd ph\u1ea3i th\u1ea9m \u0111\u1ecbnh k\u1ef9 h\u01a1n r\u1ea5t nhi\u1ec1u. N\u1ebfu nh\u01b0 ng\u00e0y x\u01b0a ng\u00e2n h\u00e0ng ch\u1ec9 c\u1ea7n nh\u00ecn v\u00e0o gi\u1ea5y ph\u00e9p kinh doanh c\u1ee7a doanh nghi\u1ec7p \u0111\u1ec3 bi\u1ebft doanh nghi\u1ec7p kinh doanh nh\u1eefng l\u0129nh v\u1ef1c n\u00e0o m\u00e0 cho vay th\u00ec nay ng\u00e2n h\u00e0ng l\u1ea1i ph\u1ea3i \u0111i th\u1ea9m \u0111\u1ecbnh t\u1eebng li t\u1eebng t\u00ed \u0111\u1ec3 \u0111\u00e1nh gi\u00e1 h\u1ed3 s\u01a1 doanh nghi\u1ec7p n\u1ed9p,\u201d Lu\u1eadt s\u01b0 Tr\u01b0\u01a1ng Thanh \u0110\u1ee9c n\u00f3i.<\/em><\/p>\n

\u201cCon d\u1ea5u c\u0169ng v\u1eady, tr\u01b0\u1edbc \u0111\u00e2y c\u1ee9 \u0111\u00f3ng d\u1ea5u l\u00e0 \u0111\u01b0\u01a1ng nhi\u00ean h\u1ee3p ph\u00e1p, tr\u1eeb m\u1ed9t v\u00e0i tr\u01b0\u1eddng h\u1ee3p l\u1eeba \u0111\u1ea3o th\u00ec kh\u00f4ng n\u00f3i l\u00e0m g\u00ec, c\u00f2n n\u1ebfu l\u00e0m b\u00e0i b\u1ea3n ra con d\u1ea5u ch\u1ea3 c\u00f3 gi\u00e1 tr\u1ecb g\u00ec h\u1ebft. K\u00edch th\u01b0\u1edbc, n\u1ed9i dung, m\u00e0u s\u1eafc\u2026 t\u1ea5t c\u1ea3 nh\u1eefng th\u1ee9 kh\u00f4ng li\u00ean quan \u0111\u1ebfn v\u00ec lu\u1eadt ng\u00e0y x\u01b0a m\u1eb7c \u0111\u1ecbnh. Gi\u1edd ph\u00fat n\u00e0y t\u00f4i kh\u1eb3ng \u0111\u1ecbnh t\u1ea5t c\u1ea3 c\u00e1c doanh nghi\u1ec7p Vi\u1ec7t Nam \u0111\u1ec1u \u0111ang s\u1eed d\u1ee5ng con d\u1ea5u b\u1ea5t h\u1ee3p ph\u00e1p. B\u1edfi v\u00ec tr\u01b0\u1edbc \u0111\u00e2y l\u00e0 theo lu\u1eadt, c\u00f2n b\u00e2y gi\u1edd kh\u00f4ng theo c\u00e1i g\u00ec c\u1ea3. Anh ph\u1ea3i c\u00f3 \u0111i\u1ec1u l\u1ec7 doanh nghi\u1ec7p v\u1ec1 s\u1eed d\u1ee5ng con d\u1ea5u nh\u01b0ng t\u1ea5t c\u1ea3 doanh nghi\u1ec7p \u0111\u1ec1u ch\u01b0a s\u1eeda \u0111i\u1ec1u l\u1ec7 v\u00e0 h\u1ecd c\u1ee9 \u0111\u00f3ng d\u1ea5u theo th\u00f3i quen\u201d.<\/em><\/p>\n

C\u0169ng theo Lu\u1eadt s\u01b0 Tr\u01b0\u01a1ng Thanh \u0110\u1ee9c, hi\u1ec7n nay doanh nghi\u1ec7p ch\u01b0a g\u1eb7p v\u01b0\u1edbng m\u1eafc l\u00e0 b\u1edfi c\u00e1c doanh nghi\u1ec7p v\u1eabn theo th\u00f3i quen c\u0169, tuy nhi\u00ean sau n\u00e0y khi \u0111\u00e3 thay \u0111\u1ed5i h\u1ebft con d\u1ea5u, nh\u1eefng b\u1ea5t c\u1eadp s\u1ebd xu\u1ea5t hi\u1ec7n.<\/em><\/p>\n

B\u00ean c\u1ea1nh s\u1ef1 c\u1ea3i c\u00e1ch n\u1eeda v\u1eddi trong quy \u0111\u1ecbnh v\u1ec1 qu\u1ea3n l\u00fd con d\u1ea5u, Lu\u1eadt s\u01b0 Tr\u01b0\u01a1ng Thanh \u0110\u1ee9c b\u00e0y t\u1ecf b\u0103n kho\u0103n \u0111\u1ed1i quy \u0111\u1ecbnh v\u1ec1 ng\u01b0\u1eddi \u0111\u1ea1i di\u1ec7n theo ph\u00e1p lu\u1eadt c\u1ee7a doanh nghi\u1ec7p.<\/em><\/p>\n

Tr\u01b0\u1edbc \u0111\u00e2y, ch\u1ec9 c\u1ea7n l\u00e0m vi\u1ec7c v\u1edbi ng\u01b0\u1eddi \u0111\u1ea1i di\u1ec7n theo ph\u00e1p lu\u1eadt l\u00e0 ng\u00e2n h\u00e0ng y\u00ean t\u00e2m tuy\u1ec7t \u0111\u1ed1i, tr\u1eeb nh\u1eefng giao d\u1ecbch l\u1edbn ng\u00e2n h\u00e0ng ph\u1ea3i th\u1ea9m \u0111\u1ecbnh th\u00eam. C\u00f2n b\u00e2y gi\u1edd, b\u1ea5t k\u1ec3 giao d\u1ecbch n\u00e0o n\u1ebfu nh\u01b0 doanh nghi\u1ec7p c\u00f3 t\u1eeb 2-3 \u0111\u1ea1i di\u1ec7n theo ph\u00e1p lu\u1eadt, ng\u00e2n h\u00e0ng s\u1ebd ph\u1ea3i xem x\u00e9t \u0111\u1ebfn \u0111i\u1ec1u l\u1ec7 c\u1ee7a doanh nghi\u1ec7p \u0111\u00f3 xem Ch\u1ee7 t\u1ecbch H\u0110QT c\u1ee7a doanh nghi\u1ec7p \u0111\u01b0\u1ee3c k\u00fd h\u1ee3p \u0111\u1ed3ng bao nhi\u00eau t\u1ef7, \u00f4ng T\u1ed5ng gi\u00e1m \u0111\u1ed1c \u0111\u01b0\u1ee3c k\u00fd bao nhi\u00eau t\u1ef7\u2026Th\u1eadm ch\u00ed c\u00f3 doanh nghi\u1ec7p c\u00f2n quy \u0111\u1ecbnh ch\u1ee7 t\u1ecbch H\u0110QT \u0111\u01b0\u1ee3c k\u00fd h\u1ee3p \u0111\u1ed3ng \u0111\u1ea7u t\u01b0, T\u1ed5ng gi\u00e1m \u0111\u1ed1c \u0111\u01b0\u1ee3c k\u00fd h\u1ee3p \u0111\u1ed3ng vay v\u1ed1n\u2026<\/em><\/p>\n

\u201cLu\u1eadt cho ph\u00e9p nh\u01b0 th\u1ebf. Ng\u01b0\u1eddi ta l\u00e0m sai s\u00f3t, \u0111\u00e1ng l\u1ebd tr\u00e1ch nhi\u1ec7m h\u1ecd ph\u1ea3i ch\u1ecbu. B\u00e2y gi\u1edd ng\u00e2n h\u00e0ng v\u00e0 \u0111\u1ed1i t\u00e1c s\u1ebd ch\u1ecbu r\u1ee7i ro tr\u01b0\u1edbc ti\u00ean. Ch\u01b0a n\u00f3i \u0111\u1ebfn vi\u1ec7c th\u1ea9m \u0111\u1ecbnh r\u1ed3i nh\u01b0ng r\u1ea5t kh\u00f3 th\u1ea9m \u0111\u1ecbnh ph\u00e1p l\u00fd. Doanh nghi\u1ec7p \u0111\u01b0a cho ng\u00e2n h\u00e0ng m\u1ed9t b\u1ea3n \u0111i\u1ec1u l\u1ec7 nh\u01b0ng ng\u00e2n h\u00e0ng c\u0169ng r\u1ea5t kh\u00f3 th\u1ea9m \u0111\u1ecbnh \u0111\u00e2y l\u00e0 \u0111i\u1ec1u l\u1ec7 h\u1ee3p ph\u00e1p hay kh\u00f4ng, \u0111\u01b0\u1ee3c th\u00f4ng qua khi n\u00e0o, tr\u00e1ch nhi\u1ec7m ra l\u00e0m sao\u201d,\u00a0Lu\u1eadt s\u01b0 Tr\u01b0\u01a1ng Thanh \u0110\u1ee9c n\u00f3i.<\/em><\/p>\n

V\u1edbi Lu\u1eadt doanh nghi\u1ec7p m\u1edbi, doanh nghi\u1ec7p c\u00f3 th\u1ec3 thay \u0111\u1ed5i d\u1ec5 d\u00e0ng \u0111i\u1ec1u l\u1ec7 doanh nghi\u1ec7p, trong khi c\u00f4ng t\u00e1c l\u01b0u tr\u1eef, qu\u1ea3n l\u00fd h\u1ed3 s\u01a1 c\u1ee7a doanh nghi\u1ec7p c\u00f2n k\u00e9m. Do v\u1eady, c\u00e0ng d\u1ec5 cho doanh nghi\u1ec7p l\u1ea1i c\u00e0ng kh\u00f3 cho ng\u00e2n h\u00e0ng, b\u1edfi ng\u00e2n h\u00e0ng v\u1eabn ph\u1ea3i th\u1ea9m \u0111\u1ecbnh h\u1ed3 s\u01a1 ch\u1eb7t ch\u1ebd tr\u01b0\u1edbc khi cho vay. Doanh nghi\u1ec7p c\u00f3 sai s\u00f3t th\u00ec tr\u00e1ch nhi\u1ec7m d\u00e2n s\u1ef1 nh\u01b0ng ng\u00e2n h\u00e0ng c\u00f3 sai s\u00f3t th\u00ec tr\u00e1ch nhi\u1ec7m h\u00ecnh s\u1ef1.<\/em><\/p>\n

Nguy\u1ec5n Tu\u00e2n<\/strong><\/p>\n

——-<\/p>\n

T\u00e0i ch\u00ednh Plus (H\u1ed9i nh\u1eadp) 18-9-2015:<\/em><\/strong><\/p>\n

http:\/\/taichinhplus.vn\/DOANH-NGHIEP\/Hoi-nhap\/Ngan-hang-gap-kho-khi-doanh-nghiep-tu-lam-con-dau-post155430.html<\/em><\/p>\n

(827\/1.599)","protected":false},"excerpt":{"rendered":"

(TC+) – Trong c\u1ea3i c\u00e1ch th\u1ee7 t\u1ee5c v\u1ec1 d\u1ea5u, doanh nghi\u1ec7p \u0111\u01b0\u1ee3c t\u1ef1 quy\u1ebft \u0111\u1ecbnh s\u1ed1 l\u01b0\u1ee3ng v\u00e0 h\u00ecnh th\u1ee9c con d\u1ea5u; m\u00e0y m\u1ef1c d\u1ea5u, n\u1ed9i dung con d\u1ea5u, qu\u1ea3n l\u00fd v\u00e0 s\u1eed d\u1ee5ng con d\u1ea5u. Lu\u1eadt Doanh nghi\u1ec7p 2014 cho ph\u00e9p doanh nghi\u1ec7p \u0111\u01b0\u1ee3c t\u1ef1 do quy\u1ebft \u0111\u1ecbnh v\u1ec1 con d\u1ea5u c\u1ee7a m\u00ecnh. \u1ea2nh […]<\/p>\n","protected":false},"author":3,"featured_media":19974,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":""},"categories":[27,26],"tags":[],"class_list":["post-19973","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-interviews","category-legal-media"],"acf":[],"yoast_head":"\n828. Ng\u00e2n h\u00e0ng g\u1eb7p kh\u00f3 khi doanh nghi\u1ec7p t\u1ef1 l\u00e0m con d\u1ea5u! - 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-828-ngan-hang-gap-kho-khi-doanh-nghiep-tu-lam-con-dau\/\" \/>\n<meta property=\"og:locale\" content=\"vi_VN\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"[:vi]828. Ng\u00e2n h\u00e0ng g\u1eb7p kh\u00f3 khi doanh nghi\u1ec7p t\u1ef1 l\u00e0m con d\u1ea5u![:] - ANVI Law Firm\" \/>\n<meta property=\"og:description\" content=\"(TC+) – Trong c\u1ea3i c\u00e1ch th\u1ee7 t\u1ee5c v\u1ec1 d\u1ea5u, doanh nghi\u1ec7p \u0111\u01b0\u1ee3c t\u1ef1 quy\u1ebft \u0111\u1ecbnh s\u1ed1 l\u01b0\u1ee3ng v\u00e0 h\u00ecnh th\u1ee9c con d\u1ea5u; m\u00e0y m\u1ef1c d\u1ea5u, n\u1ed9i dung con d\u1ea5u, qu\u1ea3n l\u00fd v\u00e0 s\u1eed d\u1ee5ng con d\u1ea5u. Lu\u1eadt Doanh nghi\u1ec7p 2014 cho ph\u00e9p doanh nghi\u1ec7p \u0111\u01b0\u1ee3c t\u1ef1 do quy\u1ebft \u0111\u1ecbnh v\u1ec1 con d\u1ea5u c\u1ee7a m\u00ecnh. \u1ea2nh […]\" \/>\n<meta property=\"og:url\" content=\"https:\/\/anvilaw.com\/en\/tieng-viet-828-ngan-hang-gap-kho-khi-doanh-nghiep-tu-lam-con-dau\/\" \/>\n<meta property=\"og:site_name\" content=\"ANVI Law Firm\" \/>\n<meta property=\"article:publisher\" content=\"https:\/\/facebook.com\/anvilawfirm\" \/>\n<meta property=\"article:published_time\" content=\"2015-09-18T03:45:06+00:00\" \/>\n<meta property=\"article:modified_time\" content=\"2022-04-29T03:53:44+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/anvilaw.com\/wp-content\/uploads\/2022\/04\/28-1.jpg\" \/>\n\t<meta property=\"og:image:width\" content=\"550\" \/>\n\t<meta property=\"og:image:height\" content=\"366\" \/>\n\t<meta property=\"og:image:type\" content=\"image\/jpeg\" \/>\n<meta name=\"author\" content=\"Tr\u01b0\u01a1ng Trung Ngh\u0129a\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:creator\" content=\"@anvilawfirm\" \/>\n<meta name=\"twitter:site\" content=\"@anvilawfirm\" \/>\n<meta name=\"twitter:label1\" content=\"\u0110\u01b0\u1ee3c vi\u1ebft b\u1edfi\" \/>\n\t<meta name=\"twitter:data1\" content=\"Tr\u01b0\u01a1ng Trung Ngh\u0129a\" \/>\n\t<meta name=\"twitter:label2\" content=\"\u01af\u1edbc t\u00ednh th\u1eddi gian \u0111\u1ecdc\" \/>\n\t<meta name=\"twitter:data2\" content=\"12 ph\u00fat\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\\\/\\\/schema.org\",\"@graph\":[{\"@type\":\"Article\",\"@id\":\"https:\\\/\\\/anvilaw.com\\\/en\\\/tieng-viet-828-ngan-hang-gap-kho-khi-doanh-nghiep-tu-lam-con-dau\\\/#article\",\"isPartOf\":{\"@id\":\"https:\\\/\\\/anvilaw.com\\\/en\\\/tieng-viet-828-ngan-hang-gap-kho-khi-doanh-nghiep-tu-lam-con-dau\\\/\"},\"author\":{\"name\":\"Tr\u01b0\u01a1ng Trung Ngh\u0129a\",\"@id\":\"https:\\\/\\\/anvilaw.com\\\/vi\\\/#\\\/schema\\\/person\\\/28ef9093c3478d1b1ba56f61255ebe7a\"},\"headline\":\"828. 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