{"id":19979,"date":"2015-09-18T10:57:20","date_gmt":"2015-09-18T03:57:20","guid":{"rendered":"https:\/\/anvilaw.com\/vi\/?p=19979"},"modified":"2022-04-29T11:00:40","modified_gmt":"2022-04-29T04:00:40","slug":"829a-vay-tieu-dung-cang-cham-tra-rui-ro-se-cang-lon","status":"publish","type":"post","link":"https:\/\/anvilaw.com\/vi\/829a-vay-tieu-dung-cang-cham-tra-rui-ro-se-cang-lon\/","title":{"rendered":"829a. Vay ti\u00eau d\u00f9ng: C\u00e0ng ch\u1eadm tr\u1ea3, r\u1ee7i ro s\u1ebd c\u00e0ng l\u1edbn!"},"content":{"rendered":"<a href=\"http:\/\/tapchitaichinh.vn\/\"><strong>(TC)<\/strong><\/a><strong> &#8211;<\/strong><strong>Trao \u0111\u1ed5i v\u1edbi ch\u00fang t\u00f4i, Lu\u1eadt s\u01b0 Tr\u01b0\u01a1ng Thanh \u0110\u1ee9c cho r\u1eb1ng, n\u1ebfu nh\u01b0 \u0111\u00e3 \u0111\u1eb7t b\u00fat k\u00fd h\u1ee3p \u0111\u1ed3ng, \u201cb\u00fat sa g\u00e0 ch\u1ebft\u201d, do \u0111\u00f3 ng\u01b0\u1eddi vay bu\u1ed9c ph\u1ea3i c\u00f3 \u00fd th\u1ee9c th\u1ef1c hi\u1ec7n v\u00e0 tu\u00e2n th\u1ee7 m\u1ecdi \u0111i\u1ec1u kho\u1ea3n \u0111\u00e3 k\u00fd k\u1ebft trong h\u1ee3p \u0111\u1ed3ng. B\u1edfi, n\u1ebfu ch\u1eadm tr\u1ea3 n\u1ee3 ng\u00e0y n\u00e0o th\u00ec m\u1ee9c \u0111\u1ed9 r\u1ee7i ro s\u1ebd c\u00e0ng l\u1edbn v\u00e0 g\u00e2y b\u1ea5t l\u1ee3i r\u1ea5t nhi\u1ec1u cho ph\u00eda ng\u01b0\u1eddi \u0111i vay.<\/strong><\/p>\n<p><img loading=\"lazy\" decoding=\"async\" class=\"alignnone size-medium wp-image-19980 img-fluid img-fluid\" src=\"https:\/\/anvilaw.com\/wp-content\/uploads\/2022\/04\/29a-450x307.jpg\" alt=\"\" width=\"450\" height=\"307\" srcset=\"https:\/\/anvilaw.com\/wp-content\/uploads\/2022\/04\/29a-450x307.jpg 450w, https:\/\/anvilaw.com\/wp-content\/uploads\/2022\/04\/29a.jpg 660w\" sizes=\"auto, (max-width: 450px) 100vw, 450px\" \/><\/p>\n<p><em>\u0110\u1eb7t b\u00fat k\u00fd v\u00e0o h\u1ee3p \u0111\u1ed3ng, ngh\u0129a l\u00e0 ng\u01b0\u1eddi ti\u00eau d\u00f9ng \u0111\u00e3 \u0111\u1ed3ng \u00fd v\u1edbi c\u00e1c \u0111i\u1ec1u kho\u1ea3n n\u00eau trong h\u1ee3p \u0111\u1ed3ng vay t\u00edn d\u1ee5ng ti\u00eau d\u00f9ng, nh\u1ea5t l\u00e0 v\u1ec1 m\u1ee9c thanh to\u00e1n, th\u1eddi gian tr\u1ea3 n\u1ee3 c\u0169ng nh\u01b0 t\u1ef7 l\u1ec7 b\u1ecb ph\u1ea1t n\u1ebfu vi ph\u1ea1m. Tuy nhi\u00ean, khi vi ph\u1ea1m v\u00e0 b\u1ecb ph\u1ea1t, th\u00ec kh\u00f4ng \u00edt ng\u01b0\u1eddi v\u1eabn than phi\u1ec1n v\u1ec1 d\u1ecbch v\u1ee5 n\u00e0y v\u00e0 cho r\u1eb1ng h\u1ecd b\u1ecb l\u1eeba. \u00dd ki\u1ebfn c\u1ee7a \u00f4ng ra sao v\u1ec1 tr\u01b0\u1eddng h\u1ee3p n\u00e0y?<\/em><\/p>\n<p>\u1ede \u0111\u00e2y c\u00f3 hai m\u1eb7t. M\u1ed9t l\u00e0, m\u1ee9c l\u00e3i ph\u1ea1t t\u01b0\u01a1ng \u0111\u1ed1i cao. Tuy nhi\u00ean, b\u1ea3n th\u00e2n ng\u01b0\u1eddi vay ph\u1ea3i x\u00e1c \u0111\u1ecbnh r\u00f5 m\u1ee5c \u0111\u00edch vay \u0111\u1ec3 l\u00e0m g\u00ec? Li\u1ec7u c\u00f3 kh\u1ea3 n\u0103ng tr\u1ea3 n\u1ee3 hay kh\u00f4ng? N\u1ebfu t\u00ednh to\u00e1n \u0111\u01b0\u1ee3c ngu\u1ed3n thu \u0111\u1ec3 tr\u1ea3 n\u1ee3 th\u00ec m\u1edbi k\u00fd h\u1ee3p \u0111\u1ed3ng vay. Khi \u0111\u00e3 k\u00fd k\u1ebft h\u1ee3p \u0111\u1ed3ng \u0111\u00fang tr\u00ecnh t\u1ef1 ph\u00e1p lu\u1eadt quy \u0111\u1ecbnh, th\u00ec ph\u1ea3i theo ph\u00e1p lu\u1eadt m\u00e0 th\u1ef1c hi\u1ec7n. N\u1ebfu c\u1ee9 nh\u1eafm m\u1eaft vay, kh\u00f4ng t\u00ednh to\u00e1n, ng\u01b0\u1eddi vay r\u1ea5t d\u1ec5 r\u01a1i v\u00e0o t\u00ecnh tr\u1ea1ng vi ph\u1ea1m h\u1ee3p \u0111\u1ed3ng v\u00e0 b\u1ecb ph\u1ea1t. Th\u1eadm ch\u00ed, tr\u1ea3 ch\u1eadm h\u00e0ng ng\u00e0y s\u1ed1 n\u1ee3 s\u1ebd t\u0103ng g\u1ea5p ba, g\u1ea5p n\u0103m l\u1ea7n s\u1ed1 g\u1ed1c. Nh\u1eb9 th\u00ec s\u1ebd l\u00e0 vi ph\u1ea1m h\u1ee3p \u0111\u1ed3ng, n\u1eb7ng h\u01a1n l\u00e0 vi ph\u1ea1m ph\u00e1p lu\u1eadt. \u0110\u00e3 vi ph\u1ea1m th\u00ec ph\u1ea3i ch\u1ea5p nh\u1eadn b\u1ecb ph\u1ea1t theo \u0111\u00fang nh\u01b0 nh\u1eefng cam k\u1ebft trong h\u1ee3p \u0111\u1ed3ng. \u0110\u1ed1i v\u1edbi tr\u01b0\u1eddng h\u1ee3p b\u1ecb ph\u1ea1t, ng\u01b0\u1eddi vay n\u00ean x\u1eed l\u00fd theo h\u01b0\u1edbng l\u00e0 \u0111\u1ec1 ngh\u1ecb c\u00f4ng ty t\u00e0i ch\u00ednh xem x\u00e9t, h\u1ed7 tr\u1ee3 gi\u1ea3m m\u1ee9c l\u00e3i ph\u1ea1t, ch\u1ee9 kh\u00f4ng n\u00ean than phi\u1ec1n hay th\u1eafc m\u1eafc. B\u1edfi v\u00ec, khi \u0111\u00e3 d\u00e1m l\u00e0m th\u00ec ph\u1ea3i d\u00e1m ch\u1ecbu.<\/p>\n<p><em>Tr\u00ean th\u1ecb tr\u01b0\u1eddng hi\u1ec7n nay v\u1eabn c\u00f2n c\u00f3 tr\u01b0\u1eddng h\u1ee3p kh\u00e1ch h\u00e0ng vay ti\u00eau d\u00f9ng ph\u1ea3n \u00e1nh r\u1eb1ng: H\u1ecd b\u1ecb ph\u1ea1t n\u1eb7ng khi tr\u1ea3 g\u1ed1c v\u00e0 l\u00e3i ch\u1eadm? Theo Lu\u1eadt s\u01b0, h\u00e0nh vi tr\u00ean c\u00f3 vi ph\u1ea1m h\u1ee3p \u0111\u1ed3ng v\u00e0 vi ph\u1ea1m ph\u00e1p lu\u1eadt?\u00a0<\/em><\/p>\n<p>Lu\u1eadt s\u01b0 Tr\u01b0\u01a1ng Thanh \u0110\u1ee9c: \u0110\u01b0\u01a1ng nhi\u00ean theo th\u1ecfa thu\u1eadn trong h\u1ee3p \u0111\u1ed3ng th\u00ec kh\u00e1ch h\u00e0ng \u0111\u00e3 vi ph\u1ea1m. Th\u1ecfa thu\u1eadn n\u00eau trong h\u1ee3p \u0111\u1ed3ng c\u0169ng nh\u01b0 ph\u00e1p lu\u1eadt quy \u0111\u1ecbnh, ch\u1eadm tr\u1ea3 ng\u01b0\u1eddi vay s\u1ebd b\u1ecb ph\u1ea1t ch\u1eadm thanh to\u00e1n theo nh\u01b0 quy \u0111\u1ecbnh c\u1ee7a B\u1ed9 lu\u1eadt D\u00e2n s\u1ef1 l\u00e0 kh\u00f4ng qu\u00e1 9%; c\u00f2n quy \u0111\u1ecbnh c\u1ee7a l\u0129nh v\u1ef1c ng\u00e2n h\u00e0ng l\u00e0 kh\u00f4ng qu\u00e1 150% l\u00e3i su\u1ea5t trong h\u1ea1n. Tuy nhi\u00ean, tr\u00ean th\u1ef1c t\u1ebf h\u1ea7u h\u1ebft c\u00e1c t\u1ed5 ch\u1ee9c t\u00edn d\u1ee5ng \u0111\u1ec1u \u00e1p d\u1ee5ng m\u1ee9c 150% ch\u1ee9 kh\u00f4ng \u00e1p d\u1ee5ng m\u1ee9c 100%, 110%, 120%, cho d\u00f9 c\u00e1c m\u1ee9c tr\u00ean \u0111\u1ec1u \u0111\u00fang lu\u1eadt. Cho n\u00ean, bao gi\u1edd trong h\u1ee3p \u0111\u1ed3ng, c\u00e1c c\u00f4ng ty t\u00e0i ch\u00ednh \u0111\u1ec1u \u0111\u1ec3 m\u1ee9c th\u1ecfa thu\u1eadn cao nh\u1ea5t nh\u1eb1m m\u1ee5c \u0111\u00edch bu\u1ed9c kh\u00e1ch h\u00e0ng c\u00f3 tr\u00e1ch nhi\u1ec7m \u0111\u1ed1i v\u1edbi nh\u1eefng vi\u1ec7c m\u00ecnh \u0111\u00e3 l\u00e0m.<\/p>\n<p><em>Th\u01b0a Lu\u1eadt s\u01b0, n\u1ebfu vi ph\u1ea1m h\u1ee3p \u0111\u1ed3ng, theo quy \u0111\u1ecbnh kh\u00e1ch h\u00e0ng s\u1ebd b\u1ecb x\u1eed l\u00fd ra sao?<\/em><em>\u00a0<\/em><\/p>\n<p>\u0110\u01b0\u01a1ng nhi\u00ean b\u00ean vi ph\u1ea1m h\u1ee3p \u0111\u1ed3ng s\u1ebd kh\u00f4ng \u0111\u01b0\u1ee3c ph\u00e1p lu\u1eadt b\u1ea3o v\u1ec7. Ng\u01b0\u1eddi vay c\u0169ng v\u1eady, khi \u0111\u00e3 \u0111\u1eb7t b\u00fat k\u00fd, ngh\u0129a l\u00e0 \u0111\u00e3 \u0111\u1ed3ng \u00fd v\u1edbi m\u1ecdi \u0111i\u1ec1u kho\u1ea3n n\u00eau trong h\u1ee3p \u0111\u1ed3ng. Cho n\u00ean, c\u1ee9 chi\u1ec3u theo h\u1ee3p \u0111\u1ed3ng m\u00e0 th\u1ef1c hi\u1ec7n, kh\u00e1ch h\u00e0ng ph\u1ea3i tr\u1ea3 \u0111\u00fang h\u1ea1n, ch\u1eadm m\u1ed9t ng\u00e0y c\u0169ng l\u00e0 vi ph\u1ea1m; n\u1ebfu kh\u00f4ng ch\u1ea5p h\u00e0nh c\u00e1c m\u1ee9c ph\u1ea1t th\u00ec m\u1ee9c \u0111\u1ed9 vi ph\u1ea1m s\u1ebd b\u1ecb x\u00e1c \u0111\u1ecbnh \u1edf m\u1ee9c nghi\u00eam tr\u1ecdng. V\u00e0 khi \u0111\u00e3 kh\u00f4ng t\u1ef1 nguy\u1ec7n th\u00ec bu\u1ed9c ph\u1ea3i ra t\u00f2a \u0111\u1ec3 gi\u1ea3i quy\u1ebft v\u00e0 khi \u0111\u00e3 th\u00e0nh \u00e1n th\u00ec s\u1ebd ph\u1ea3i c\u01b0\u1ee1ng ch\u1ebf v\u00e0 b\u1eaft bu\u1ed9c. Theo \u0111\u00f3, kh\u00f4ng nh\u1eefng ch\u1ec9 t\u00e0i s\u1ea3n b\u1ea3o \u0111\u1ea3m m\u00e0 t\u1ea5t c\u1ea3 c\u00e1c ngu\u1ed3n thu kh\u00e1c, t\u00e0i s\u1ea3n kh\u00e1c c\u0169ng b\u1ecb x\u1eed l\u00fd. N\u1ebfu tr\u1ed1n tr\u00e1nh b\u1ea3n \u00e1n th\u00ec s\u1ebd m\u1eafc t\u1ed9i tr\u1ed1n tr\u00e1nh, kh\u00f4ng ch\u1ea5p h\u00e0nh b\u1ea3n \u00e1n v\u00e0 vi ph\u1ea1m ph\u00e1p lu\u1eadt.<\/p>\n<p><em>\u0110\u1ec3 h\u00e0i h\u00f2a c\u1ea3 hai, Lu\u1eadt s\u01b0 c\u00f3 l\u1eddi khuy\u00ean n\u00e0o d\u00e0nh cho c\u00e1c c\u00f4ng ty t\u00e0i ch\u00ednh v\u00e0 ng\u01b0\u1eddi vay ti\u00eau d\u00f9ng?<\/em><\/p>\n<p>V\u1ea5n \u0111\u1ec1 quan tr\u1ecdng \u1edf \u0111\u00e2y l\u00e0, kh\u00f4ng gi\u1ed1ng nh\u01b0 ki\u1ec3u giao d\u1ecbch ng\u01b0\u1eddi nh\u00e0, ng\u01b0\u1eddi quen cho vay\u2026 n\u1ebfu ng\u01b0\u1eddi vay t\u00e0i ch\u00ednh ti\u00eau d\u00f9ng m\u00e0 kh\u00f4ng x\u00e1c \u0111\u1ecbnh \u0111\u01b0\u1ee3c ngu\u1ed3n tr\u1ea3 n\u1ee3, \u0111\u01b0\u01a1ng nhi\u00ean kh\u00f3 kh\u0103n v\u00e0 r\u1ee7i ro s\u1ebd ch\u1ed3ng ch\u1ea5t. C\u00e0ng ch\u1eadm tr\u1ea3 n\u1ee3 th\u00ec s\u1ebd c\u00e0ng nguy hi\u1ec3m, c\u00e0ng b\u1ea5t l\u1ee3i v\u00e0 r\u1ee7i ro t\u0103ng cao h\u01a1n. Ch\u00ednh v\u00ec v\u1eady, n\u1ebfu \u0111\u00e3 \u0111\u1eb7t b\u00fat k\u00fd h\u1ee3p \u0111\u1ed3ng, \u0111\u00e3 th\u1ecfa thu\u1eadn gi\u1ea5y tr\u1eafng m\u1ef1c \u0111en th\u00ec ng\u01b0\u1eddi vay ph\u1ea3i c\u00f3 \u00fd th\u1ee9c t\u00f4n tr\u1ecdng v\u00e0 th\u1ef1c hi\u1ec7n m\u1ecdi \u0111i\u1ec1u kho\u1ea3n k\u00fd k\u1ebft trong h\u1ee3p \u0111\u1ed3ng.<\/p>\n<p><strong>PV.<\/strong><\/p>\n<p>&#8212;&#8212;-<\/p>\n<p><strong><em>T\u00e0i ch\u00ednh (Th\u1ecb tr\u01b0\u1eddng T\u00e0i ch\u00ednh) 18-9-2015<\/em><\/strong><\/p>\n<p><a href=\"http:\/\/tapchitaichinh.vn\/thi-truong-tai-chinh\/vang---tien-te\/vay-tieu-dung-cang-cham-tra-rui-ro-se-cang-lon-70849.html\"><strong><em>http:\/\/tapchitaichinh.vn\/thi-truong-tai-chinh\/vang&#8212;tien-te\/vay-tieu-dung-cang-cham-tra-rui-ro-se-cang-lon-70849.html<\/em><\/strong><\/a><\/p>\n<p>(847\/847)","protected":false},"excerpt":{"rendered":"<p>(TC) &#8211;Trao \u0111\u1ed5i v\u1edbi ch\u00fang t\u00f4i, Lu\u1eadt s\u01b0 Tr\u01b0\u01a1ng Thanh \u0110\u1ee9c cho r\u1eb1ng, n\u1ebfu nh\u01b0 \u0111\u00e3 \u0111\u1eb7t b\u00fat k\u00fd h\u1ee3p \u0111\u1ed3ng, \u201cb\u00fat sa g\u00e0 ch\u1ebft\u201d, do \u0111\u00f3 ng\u01b0\u1eddi vay bu\u1ed9c ph\u1ea3i c\u00f3 \u00fd th\u1ee9c th\u1ef1c hi\u1ec7n v\u00e0 tu\u00e2n th\u1ee7 m\u1ecdi \u0111i\u1ec1u kho\u1ea3n \u0111\u00e3 k\u00fd k\u1ebft trong h\u1ee3p \u0111\u1ed3ng. B\u1edfi, n\u1ebfu ch\u1eadm tr\u1ea3 n\u1ee3 ng\u00e0y n\u00e0o [&hellip;]<\/p>\n","protected":false},"author":3,"featured_media":19980,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":""},"categories":[27,26],"tags":[],"class_list":["post-19979","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 v26.9 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>829a. Vay ti\u00eau d\u00f9ng: C\u00e0ng ch\u1eadm tr\u1ea3, r\u1ee7i ro s\u1ebd c\u00e0ng l\u1edbn! - 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-829a-vay-tieu-dung-cang-cham-tra-rui-ro-se-cang-lon\/\" \/>\n<meta property=\"og:locale\" content=\"vi_VN\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"[:vi]829a. 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