{"id":20277,"date":"2016-02-25T10:40:46","date_gmt":"2016-02-25T03:40:46","guid":{"rendered":"https:\/\/anvilaw.com\/vi\/?p=20277"},"modified":"2022-05-05T10:50:54","modified_gmt":"2022-05-05T03:50:54","slug":"971-can-quy-dinh-chat-che-ro-rang","status":"publish","type":"post","link":"https:\/\/anvilaw.com\/vi\/971-can-quy-dinh-chat-che-ro-rang\/","title":{"rendered":"971. C\u1ea7n quy \u0111\u1ecbnh ch\u1eb7t ch\u1ebd, r\u00f5 r\u00e0ng"},"content":{"rendered":"(\u0110TTC) – Hi\u1ec7n nay nhi\u1ec1u ng\u01b0\u1eddi d\u00e2n v\u1eabn e ng\u1ea1i ti\u1ebfp c\u1eadn vay ti\u00eau d\u00f9ng v\u00ec l\u00e3i su\u1ea5t cao h\u01a1n so v\u1edbi vay NH. Xung quanh v\u1ea5n \u0111\u1ec1 n\u00e0y, \u0110TTC \u0111\u00e3 trao \u0111\u1ed5i v\u1edbi Lu\u1eadt s\u01b0 TR\u01af\u01a0NG THANH \u0110\u1ee8C, Ch\u1ee7 nhi\u1ec7m C\u00e2u l\u1ea1c b\u1ed9 Ph\u00e1p ch\u1ebf Hi\u1ec7p h\u1ed9i NH Vi\u1ec7t Nam, Gi\u00e1m \u0111\u1ed1c C\u00f4ng ty Lu\u1eadt ANVI.<\/strong><\/em><\/p>\n

\"\"<\/p>\n

Lu\u1eadt s\u01b0 <\/strong>TR\u01af\u01a0NG THANH \u0110\u1ee8C:<\/strong>\u00a0– So v\u1edbi NHTM, CTTC b\u1ecb h\u1ea1n ch\u1ebf m\u1ed9t s\u1ed1 d\u1ecbch v\u1ee5 v\u00e0 \u0111i\u1ec1u ki\u1ec7n n\u00ean ph\u1ea3i c\u1ea1nh tranh v\u1edbi NHTM kh\u1ed1c li\u1ec7t h\u01a1n. Ngo\u00e0i ra, CTTC c\u00f2n g\u1eb7p kh\u00f3 v\u1ec1 ngu\u1ed3n v\u1ed1n huy \u0111\u1ed9ng. C\u00f2n ph\u00eda NH c\u00f3 \u0111\u1ee7 l\u1ee3i th\u1ebf nh\u01b0ng kh\u00f3 tri\u1ec3n khai h\u01a1n CTTC v\u00ec kh\u00f4ng th\u1ec3 kinh doanh d\u00e0n tr\u1ea3i. B\u1edfi NH \u0111\u00e3 th\u1ef1c hi\u1ec7n d\u1ecbch v\u1ee5 cho vay s\u1ea3n xu\u1ea5t kinh doanh n\u00ean t\u1eadp trung v\u00e0o vay ti\u00eau d\u00f9ng r\u1ea5t kh\u00f3, v\u00ec l\u0129nh v\u1ef1c n\u00e0y c\u1ea7n c\u00f3 s\u1ef1 chuy\u00ean s\u00e2u.PH\u00d3NG VI\u00caN:<\/strong>\u00a0<\/em><\/strong>– \u00d4ng \u0111\u00e1nh gi\u00e1 nh\u01b0 th\u1ebf n\u00e0o v\u1ec1 ho\u1ea1t \u0111\u1ed9ng cho vay ti\u00eau d\u00f9ng c\u1ee7a c\u00e1c CTTC v\u00e0 NHTM hi\u1ec7n nay?<\/strong><\/em><\/p>\n\n\n\n
\u0110\u1ec3 b\u1ea3o v\u1ec7 quy\u1ec1n l\u1ee3i kh\u00e1ch h\u00e0ng vay ti\u00eau d\u00f9ng ph\u1ea3i c\u00f3 quy \u0111\u1ecbnh ch\u1eb7t ch\u1ebd, r\u00f5 r\u00e0ng. B\u1ea3n th\u00e2n CTTC c\u0169ng x\u00e1c \u0111\u1ecbnh kinh doanh ph\u1ea3i uy t\u00edn, b\u00e0i b\u1ea3n. Quan tr\u1ecdng h\u01a1n ph\u1ea3i c\u00f3 c\u00f4ng c\u1ee5, bi\u1ec7n ph\u00e1p nh\u01b0 h\u1ee3p \u0111\u1ed3ng t\u00edn d\u1ee5ng ph\u1ea3i theo m\u1eabu v\u00e0 \u0111\u0103ng k\u00fd v\u1edbi c\u01a1 quan qu\u1ea3n l\u00fd nh\u00e0 n\u01b0\u1edbc. B\u1ed9 C\u00f4ng Th\u01b0\u01a1ng ph\u1ea3i ki\u1ec3m so\u00e1t c\u00e1c ti\u00eau chu\u1ea9n v\u00e0 nh\u1eefng c\u00e2u ch\u1eef \u0111\u1ec3 tr\u00e1nh t\u00ecnh tr\u1ea1ng \u0111i\u1ec1u kho\u1ea3n \u0111\u01b0a ra tr\u00e1i ph\u00e1p lu\u1eadt.<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n

CTTC t\u1eadp trung ho\u00e0n to\u00e0n v\u00e0o cho vay ti\u00eau d\u00f9ng v\u1edbi nh\u1eefng ch\u00ednh s\u00e1ch v\u00e0 m\u1ee5c ti\u00eau ri\u00eang, nh\u1eafm t\u1edbi \u0111\u1ed1i t\u01b0\u1ee3ng ng\u01b0\u1eddi ti\u00eau d\u00f9ng n\u00ean qu\u1ea3n l\u00fd r\u1ee7i ro, qu\u1ea3n l\u00fd kh\u00e1ch h\u00e0ng theo c\u00e1ch th\u1ee9c ri\u00eang. Do \u0111\u00f3, c\u00e1c NHTM kh\u00f4ng c\u00f3 CTTC ri\u00eang ho\u1eb7c kh\u00f4ng t\u00e1ch ri\u00eang m\u1ea3ng n\u00e0y g\u1ea7n nh\u01b0 kh\u00f3 ph\u00e1t tri\u1ec3n cho vay ti\u00eau d\u00f9ng, v\u00ec c\u00f9ng m\u1ed9t b\u1ed9 ph\u1eadn kh\u00f4ng th\u1ec3 \u0111\u00e1p \u1ee9ng c\u00f9ng l\u00fac 2 l\u0129nh v\u1ef1c t\u01b0\u01a1ng \u0111\u1ed1i tr\u00e1i ng\u01b0\u1ee3c nhau. Cho vay s\u1ea3n xu\u1ea5t kinh doanh ph\u1ea3i th\u1ea9m \u0111\u1ecbnh, qu\u1ea3n l\u00fd, theo d\u00f5i ch\u1eb7t ch\u1ebd chuy\u00ean s\u00e2u b\u1eb1ng nghi\u1ec7p v\u1ee5 NH. Trong khi cho vay ti\u00eau d\u00f9ng ph\u1ea3i qu\u1ea3n l\u00fd d\u1eef li\u1ec7u s\u1ed1 l\u1edbn, ph\u1ea3i c\u00f3 c\u00f4ng c\u1ee5, bi\u1ec7n ph\u00e1p c\u00f3 th\u1ec3 thu h\u1ed3i v\u1ed1n; c\u00e1c ti\u00eau ch\u00ed nh\u01b0 m\u1ee5c \u0111\u00edch, s\u1ed1 ti\u1ec1n vay, t\u00ednh ch\u1ea5t, c\u00e1ch th\u1ee9c qu\u1ea3n l\u00fd c\u0169ng kh\u00e1c.<\/p>\n

– T\u00edn d\u1ee5ng \u0111en \u0111ang l\u00e0 t\u1ec7 n\u1ea1n nh\u1ee9c nh\u1ed1i trong x\u00e3 h\u1ed9i. V\u1eady theo \u00f4ng ph\u00e1t tri\u1ec3n vay t\u00e0i ch\u00ednh ti\u00eau d\u00f9ng c\u00f3 \u0111\u1ea9y l\u00f9i \u0111\u01b0\u1ee3c t\u00edn d\u1ee5ng \u0111en?<\/em><\/strong><\/p>\n

– T\u00edn d\u1ee5ng \u0111en ph\u00e1t tri\u1ec3n m\u1ea1nh do v\u1ea5n \u0111\u1ec1 cung c\u1ea7u. Th\u1ee9 nh\u1ea5t, nhu c\u1ea7u vay v\u1ed1n r\u1ea5t l\u1edbn, \u0111a d\u1ea1ng. Th\u1ee9 hai, NH c\u0169ng h\u1ea1n ch\u1ebf cho vay ti\u00eau d\u00f9ng nh\u1ecf l\u1ebb v\u00ec nhi\u1ec1u l\u00fd do nh\u01b0 n\u0103ng l\u1ef1c, quan \u0111i\u1ec3m kinh doanh v\u00e0 c\u00e1c nguy\u00ean t\u1eafc ho\u1ea1t \u0111\u1ed9ng c\u1ee7a NH \u0111\u00f2i h\u1ecfi y\u00eau c\u1ea7u cao n\u00ean kh\u00f3 cho vay ti\u00eau d\u00f9ng. CTTC khi tham gia l\u0129nh v\u1ef1c cho vay ti\u00eau d\u00f9ng \u0111\u00e1p \u1ee9ng \u0111\u01b0\u1ee3c y\u00eau c\u1ea7u cho vay nhanh, d\u1ecbch v\u1ee5 cung c\u1ea5p ph\u00f9 h\u1ee3p th\u1ecb tr\u01b0\u1eddng nh\u01b0ng l\u00e3i su\u1ea5t th\u01b0\u1eddng cao g\u1ea5p \u0111\u00f4i, g\u1ea5p ba so v\u1edbi NH. Tuy nhi\u00ean, l\u00e3i vay ti\u00eau d\u00f9ng c\u1ee7a CTTC so v\u1edbi t\u00edn d\u1ee5ng \u0111en th\u1ea5p h\u01a1n v\u00e0 \u00edt r\u1ee7i ro h\u01a1n. Vi\u1ec7c cho vay h\u1ee3p ph\u00e1p n\u00e0y n\u1ebfu ph\u00e1t tri\u1ec3n \u0111\u01b0\u1ee3c s\u1ebd \u0111\u00e1p \u1ee9ng nhu c\u1ea7u x\u00e3 h\u1ed9i, h\u1ea1n ch\u1ebf \u0111\u01b0\u1ee3c t\u00edn d\u1ee5ng \u0111en.<\/p>\n

– V\u1eady l\u00e3i su\u1ea5t cho vay c\u1ee7a c\u00e1c CTTC \u0111\u01b0\u1ee3c x\u00e1c l\u1eadp tr\u00ean c\u00e1c nguy\u00ean t\u1eafc n\u00e0o. \u0110\u1eb7c bi\u1ec7t v\u1edbi c\u00e1c kho\u1ea3n vay \u0111\u1ebfn k\u1ef3 kh\u00f4ng tr\u1ea3, l\u00e3i su\u1ea5t ph\u1ea1t s\u1ebd r\u1ea5t cao, \u0111i\u1ec1u n\u00e0y c\u00f3 vi ph\u1ea1m quy \u0111\u1ecbnh v\u1ec1 cho vay c\u1ee7a c\u00e1c TCTD, th\u01b0a \u00f4ng?<\/strong><\/em><\/p>\n

– V\u1edbi \u0111i\u1ec1u ki\u1ec7n r\u1ee7i ro cao nh\u01b0 vay ti\u00eau d\u00f9ng bu\u1ed9c ph\u1ea3i ch\u1ea5p nh\u1eadn cho CTTC \u00e1p d\u1ee5ng l\u00e3i su\u1ea5t cao, kh\u00f4ng th\u1ec3 nh\u1eadp v\u00e0o cu\u1ed9c ch\u01a1i chung c\u1ee7a th\u1ecb tr\u01b0\u1eddng l\u00e3i su\u1ea5t theo quy \u0111\u1ecbnh hi\u1ec7n h\u00e0nh kh\u00f4ng qu\u00e1 13,5%\/n\u0103m, c\u0169ng nh\u01b0 theo quy \u0111\u1ecbnh c\u1ee7a B\u1ed9 lu\u1eadt D\u00e2n s\u1ef1 m\u1edbi t\u1eeb n\u0103m 2017 l\u00e0 kh\u00f4ng qu\u00e1 20%. Nguy\u00ean t\u1eafc c\u1ee7a th\u1ecb tr\u01b0\u1eddng l\u00e0 r\u1ee7i ro t\u01b0\u01a1ng \u1ee9ng v\u1edbi l\u00e3i su\u1ea5t. NH cho vay r\u1ea5t ch\u1eb7t ch\u1ebd v\u1ec1 \u0111i\u1ec1u ki\u1ec7n th\u1ea9m \u0111\u1ecbnh t\u00e0i s\u1ea3n, qu\u1ea3n l\u00fd, kh\u00e1ch h\u00e0ng \u00edt r\u1ee7i ro n\u00ean l\u00e3i su\u1ea5t th\u1ea5p h\u01a1n. CTTC n\u1ebfu c\u0169ng cho vay nh\u01b0 NH s\u1ebd kh\u00f4ng cho vay \u0111\u01b0\u1ee3c n\u00ean ph\u1ea3i ch\u1ea5p nh\u1eadn \u0111i\u1ec1u ki\u1ec7n \u0111\u01a1n gi\u1ea3n h\u01a1n, t\u00e0i s\u1ea3n th\u1ebf ch\u1ea5p kh\u00f4ng c\u00f3 ho\u1eb7c c\u00f3 kh\u00f4ng \u0111\u00e1ng k\u1ec3, m\u1ecdi th\u1ee7 t\u1ee5c nhanh ch\u00f3ng v\u00e0 s\u1ed1 ti\u1ec1n \u00edt, n\u1ebfu r\u1ee7i ro s\u1ebd ph\u1ea7n n\u00e0o \u0111\u01b0\u1ee3c b\u00f9 l\u1ea1i t\u1eeb l\u00e3i su\u1ea5t cao. B\u1ea3n th\u00e2n NHTM cho vay ti\u00eau d\u00f9ng c\u0169ng c\u00f3 l\u00e3i su\u1ea5t cao, n\u1ebfu cho vay s\u1ea3n xu\u1ea5t th\u01b0\u01a1ng m\u1ea1i 9-10%, nh\u01b0ng cho vay ti\u00eau d\u00f9ng th\u01b0\u1eddng g\u1ea5p \u0111\u00f4i, g\u1ea5p r\u01b0\u1ee1i. Lu\u1eadt TCTD kh\u00f4ng quy \u0111\u1ecbnh r\u00f5 m\u00e0 ch\u1ec9 n\u00f3i l\u00e3i su\u1ea5t \u0111\u01b0\u1ee3c th\u1ecfa thu\u1eadn. N\u1ebfu hi\u1ec3u theo quy \u0111\u1ecbnh tr\u01b0\u1edbc \u0111\u00e2y c\u1ee7a B\u1ed9 lu\u1eadt D\u00e2n s\u1ef1, l\u00e3i su\u1ea5t cho vay kh\u00f4ng qu\u00e1 13,5%\/n\u0103m, nh\u01b0ng nhi\u1ec1u NH \u00e1p d\u1ee5ng l\u00e3i su\u1ea5t ri\u00eang, d\u1eabn \u0111\u1ebfn t\u00ecnh tr\u1ea1ng b\u00ean ngo\u00e0i cho vay 14%\/n\u0103m l\u00e0 ph\u1ea1m lu\u1eadt nh\u01b0ng c\u00e1c TCTD cho vay 40%\/n\u0103m c\u0169ng v\u1eabn h\u1ee3p ph\u00e1p.<\/p>\n

V\u1ec1 l\u00e3i su\u1ea5t qu\u00e1 h\u1ea1n v\u00e0 l\u00e3i su\u1ea5t ph\u1ea1t, theo B\u1ed9 lu\u1eadt D\u00e2n s\u1ef1 c\u0169, m\u1ee9c ph\u1ea1t c\u1ed9ng th\u00eam kh\u00f4ng qu\u00e1 9%\/n\u0103m t\u00ednh t\u1eeb l\u00e3i su\u1ea5t trong h\u1ea1n, trong khi c\u00e1c TCTD v\u1eabn \u00e1p d\u1ee5ng quy \u0111\u1ecbnh c\u0169, m\u1ee9c ph\u1ea1t kh\u00f4ng qu\u00e1 150% l\u00e3i su\u1ea5t trong h\u1ea1n d\u1eabn \u0111\u1ebfn t\u00ecnh tr\u1ea1ng cho vay ti\u00eau d\u00f9ng l\u00e3i su\u1ea5t 30%\/n\u0103m, n\u1ebfu qu\u00e1 h\u1ea1n thay v\u00ec \u00e1p d\u1ee5ng l\u00e3i su\u1ea5t t\u1ed1i \u0111a 39%\/n\u0103m l\u1ea1i \u00e1p d\u1ee5ng l\u00e3i su\u1ea5t kh\u00f4ng qu\u00e1 150% l\u00e3i su\u1ea5t trong h\u1ea1n, t\u1ee9c l\u00ean \u0111\u1ebfn 45%\/n\u0103m. Th\u1eadm ch\u00ed nhi\u1ec1u NH cho vay l\u00e3i su\u1ea5t cao, l\u00e3i ph\u1ea1t c\u00f3 th\u1ec3 t\u0103ng l\u00ean \u0111\u1ebfn 50-70%\/n\u0103m. Nh\u01b0 v\u1eady l\u00e0 kh\u00f4ng c\u00f4ng b\u1eb1ng.<\/p>\n

– Khi x\u1ea3y ra tranh ch\u1ea5p, ng\u01b0\u1eddi vay th\u01b0\u1eddng ch\u1ecbu thi\u1ec7t th\u00f2i v\u00ec c\u00e1c \u0111i\u1ec1u kho\u1ea3n r\u00e0ng bu\u1ed9c theo h\u1ee3p \u0111\u1ed3ng b\u1ea5t l\u1ee3i cho h\u1ecd. Theo \u00f4ng, c\u1ea7n gi\u1ea3i ph\u00e1p n\u00e0o \u0111\u1ec3 b\u1ea3o v\u1ec7 quy\u1ec1n l\u1ee3i h\u1ee3p ph\u00e1p ng\u01b0\u1eddi vay?<\/em><\/strong><\/p>\n

– Th\u1ef1c t\u1ebf hi\u1ec7n nay, h\u00e0nh lang ph\u00e1p l\u00fd qu\u1ea3n l\u00fd ho\u1ea1t \u0111\u1ed9ng cho vay ti\u00eau d\u00f9ng ch\u01b0a c\u00f3, n\u00ean v\u1eabn \u00e1p d\u1ee5ng quy \u0111\u1ecbnh l\u1ed7i th\u1eddi cho vay chung theo Quy\u1ebft \u0111\u1ecbnh 1627 c\u1ee7a NHNN t\u1eeb n\u0103m 2001. C\u00e1c n\u1ed9i dung c\u1ee7a quy\u1ebft \u0111\u1ecbnh n\u00e0y, n\u1ebfu \u00e1p d\u1ee5ng cho vay s\u1ea3n xu\u1ea5t kinh doanh c\u0169ng kh\u00f4ng c\u00f2n ph\u00f9 h\u1ee3p. T\u00e0i ch\u00ednh ti\u00eau d\u00f9ng c\u1ea7n c\u00f3 quy \u0111\u1ecbnh ri\u00eang, n\u1ebfu kh\u00f4ng c\u00f3 v\u0103n b\u1ea3n ri\u00eang c\u0169ng ph\u1ea3i c\u00f3 m\u1ed9t ch\u01b0\u01a1ng hay m\u1ed9t ph\u1ea7n ri\u00eang trong quy ch\u1ebf cho vay m\u1edbi \u0111\u00e1p \u1ee9ng \u0111\u01b0\u1ee3c. C\u00e1c quy \u0111\u1ecbnh v\u1ec1 \u0111\u1ed1i t\u01b0\u1ee3ng, m\u1ee5c \u0111\u00edch, ti\u00eau chu\u1ea9n c\u1ee7a t\u00edn d\u1ee5ng ti\u00eau d\u00f9ng ph\u1ea3i th\u00f4ng tho\u00e1ng h\u01a1n, kh\u00f4ng th\u1ec3 c\u00f9ng m\u1ed9t chu\u1ea9n, m\u1ed9t s\u00e2n ch\u01a1i nh\u01b0 t\u00edn d\u1ee5ng kinh doanh. \u1ede c\u00e1c n\u01b0\u1edbc tr\u00ean th\u1ebf gi\u1edbi, ho\u1ea1t \u0111\u1ed9ng cho vay ti\u00eau d\u00f9ng c\u0169ng gi\u1ed1ng h\u01b0\u1edbng Vi\u1ec7t Nam \u0111ang \u0111i, nh\u01b0 tr\u1ea7n l\u00e3i su\u1ea5t kh\u00f4ng \u01b0u \u0111\u00e3i h\u01a1n so v\u1edbi m\u1eb7t b\u1eb1ng chung c\u1ee7a x\u00e3 h\u1ed9i, l\u00e3i su\u1ea5t cho vay c\u0169ng r\u1ea5t cao. Nh\u01b0ng h\u1ecd qu\u1ea3n l\u00fd c\u00e1c d\u1eef li\u1ec7u v\u1ec1 ti\u00eau chu\u1ea9n, bi\u1ec7n ph\u00e1p, con s\u1ed1 r\u1ea5t chu\u1ea9n, nh\u01b0 kh\u00e1ch h\u00e0ng bao nhi\u00eau tu\u1ed5i, s\u1ee9c kh\u1ecfe th\u1ebf n\u00e0o, thu nh\u1eadp v\u00e0 \u0111i\u1ec1u ki\u1ec7n kinh t\u1ebf ra sao n\u00ean r\u1ee7i ro th\u1ea5p h\u01a1n. Trong khi t\u1ea1i Vi\u1ec7t Nam, m\u1ecdi d\u1eef li\u1ec7u \u0111\u1ec1u l\u00e0 con s\u1ed1 \u1ea3o, kh\u00f4ng chu\u1ea9n n\u00ean \u00e1p d\u1ee5ng c\u00e1c gi\u1ea3i ph\u00e1p x\u1eed l\u00fd theo h\u01b0\u1edbng r\u1ee7i ro cao nh\u01b0 l\u00e3i su\u1ea5t cao, ti\u00eau chu\u1ea9n \u0111\u01b0\u1ee3c vay cao h\u01a1n.<\/p>\n

– Xin c\u1ea3m \u01a1n \u00f4ng.<\/strong><\/em><\/p>\n

THI\u00caN MINH (th\u1ef1c hi\u1ec7n)<\/strong><\/p>\n

———————————-<\/p>\n

S\u00e0i G\u00f2n \u0110\u1ea7u t\u01b0 T\u00e0i ch\u00ednh (T\u00e0i ch\u00ednh \u2013 Ng\u00e2n h\u00e0ng) 25-02-2016:<\/em><\/strong><\/p>\n

http:\/\/www.saigondautu.com.vn\/Pages\/20160224\/Can-quy-dinh-chat-che-ro-rang.aspx<\/em><\/p>\n

(1.283\/1.283)","protected":false},"excerpt":{"rendered":"

(\u0110TTC) – Hi\u1ec7n nay nhi\u1ec1u ng\u01b0\u1eddi d\u00e2n v\u1eabn e ng\u1ea1i ti\u1ebfp c\u1eadn vay ti\u00eau d\u00f9ng v\u00ec l\u00e3i su\u1ea5t cao h\u01a1n so v\u1edbi vay NH. Xung quanh v\u1ea5n \u0111\u1ec1 n\u00e0y, \u0110TTC \u0111\u00e3 trao \u0111\u1ed5i v\u1edbi Lu\u1eadt s\u01b0 TR\u01af\u01a0NG THANH \u0110\u1ee8C, Ch\u1ee7 nhi\u1ec7m C\u00e2u l\u1ea1c b\u1ed9 Ph\u00e1p ch\u1ebf Hi\u1ec7p h\u1ed9i NH Vi\u1ec7t Nam, Gi\u00e1m \u0111\u1ed1c C\u00f4ng ty […]<\/p>\n","protected":false},"author":1,"featured_media":20278,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":""},"categories":[27,26],"tags":[],"class_list":["post-20277","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-interviews","category-legal-media"],"acf":[],"yoast_head":"\n971. C\u1ea7n quy \u0111\u1ecbnh ch\u1eb7t ch\u1ebd, r\u00f5 r\u00e0ng - 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\/vi\/971-can-quy-dinh-chat-che-ro-rang\/\" \/>\n<meta property=\"og:locale\" content=\"vi_VN\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"[:vi]971. C\u1ea7n quy \u0111\u1ecbnh ch\u1eb7t ch\u1ebd, r\u00f5 r\u00e0ng[:] - ANVI Law Firm\" \/>\n<meta property=\"og:description\" content=\"(\u0110TTC) – Hi\u1ec7n nay nhi\u1ec1u ng\u01b0\u1eddi d\u00e2n v\u1eabn e ng\u1ea1i ti\u1ebfp c\u1eadn vay ti\u00eau d\u00f9ng v\u00ec l\u00e3i su\u1ea5t cao h\u01a1n so v\u1edbi vay NH. Xung quanh v\u1ea5n \u0111\u1ec1 n\u00e0y, \u0110TTC \u0111\u00e3 trao \u0111\u1ed5i v\u1edbi Lu\u1eadt s\u01b0 TR\u01af\u01a0NG THANH \u0110\u1ee8C, Ch\u1ee7 nhi\u1ec7m C\u00e2u l\u1ea1c b\u1ed9 Ph\u00e1p ch\u1ebf Hi\u1ec7p h\u1ed9i NH Vi\u1ec7t Nam, Gi\u00e1m \u0111\u1ed1c C\u00f4ng ty […]\" \/>\n<meta property=\"og:url\" content=\"https:\/\/anvilaw.com\/vi\/971-can-quy-dinh-chat-che-ro-rang\/\" \/>\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=\"2016-02-25T03:40:46+00:00\" \/>\n<meta property=\"article:modified_time\" content=\"2022-05-05T03:50:54+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/anvilaw.com\/wp-content\/uploads\/2022\/05\/16.jpg\" \/>\n\t<meta property=\"og:image:width\" content=\"320\" \/>\n\t<meta property=\"og:image:height\" content=\"335\" \/>\n\t<meta property=\"og:image:type\" content=\"image\/jpeg\" \/>\n<meta name=\"author\" content=\"administrator\" \/>\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=\"administrator\" \/>\n\t<meta name=\"twitter:label2\" content=\"\u01af\u1edbc t\u00ednh th\u1eddi gian \u0111\u1ecdc\" \/>\n\t<meta name=\"twitter:data2\" content=\"10 ph\u00fat\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\/\/schema.org\",\"@graph\":[{\"@type\":\"Article\",\"@id\":\"https:\/\/anvilaw.com\/vi\/971-can-quy-dinh-chat-che-ro-rang\/#article\",\"isPartOf\":{\"@id\":\"https:\/\/anvilaw.com\/vi\/971-can-quy-dinh-chat-che-ro-rang\/\"},\"author\":{\"name\":\"administrator\",\"@id\":\"https:\/\/anvilaw.com\/vi\/#\/schema\/person\/eb3eded70711d9ebee6ffdcf3118521b\"},\"headline\":\"971. C\u1ea7n quy \u0111\u1ecbnh ch\u1eb7t ch\u1ebd, r\u00f5 r\u00e0ng\",\"datePublished\":\"2016-02-25T03:40:46+00:00\",\"dateModified\":\"2022-05-05T03:50:54+00:00\",\"mainEntityOfPage\":{\"@id\":\"https:\/\/anvilaw.com\/vi\/971-can-quy-dinh-chat-che-ro-rang\/\"},\"wordCount\":2006,\"commentCount\":0,\"publisher\":{\"@id\":\"https:\/\/anvilaw.com\/vi\/#organization\"},\"image\":{\"@id\":\"https:\/\/anvilaw.com\/vi\/971-can-quy-dinh-chat-che-ro-rang\/#primaryimage\"},\"thumbnailUrl\":\"https:\/\/anvilaw.com\/wp-content\/uploads\/2022\/05\/16.jpg\",\"articleSection\":[\"Ph\u1ecfng v\u1ea5n\",\"T\u01b0 li\u1ec7u ANVI\"],\"inLanguage\":\"vi\",\"potentialAction\":[{\"@type\":\"CommentAction\",\"name\":\"Comment\",\"target\":[\"https:\/\/anvilaw.com\/vi\/971-can-quy-dinh-chat-che-ro-rang\/#respond\"]}]},{\"@type\":\"WebPage\",\"@id\":\"https:\/\/anvilaw.com\/vi\/971-can-quy-dinh-chat-che-ro-rang\/\",\"url\":\"https:\/\/anvilaw.com\/vi\/971-can-quy-dinh-chat-che-ro-rang\/\",\"name\":\"[:vi]971. C\u1ea7n quy \u0111\u1ecbnh ch\u1eb7t ch\u1ebd, r\u00f5 r\u00e0ng[:] - ANVI Law Firm\",\"isPartOf\":{\"@id\":\"https:\/\/anvilaw.com\/vi\/#website\"},\"primaryImageOfPage\":{\"@id\":\"https:\/\/anvilaw.com\/vi\/971-can-quy-dinh-chat-che-ro-rang\/#primaryimage\"},\"image\":{\"@id\":\"https:\/\/anvilaw.com\/vi\/971-can-quy-dinh-chat-che-ro-rang\/#primaryimage\"},\"thumbnailUrl\":\"https:\/\/anvilaw.com\/wp-content\/uploads\/2022\/05\/16.jpg\",\"datePublished\":\"2016-02-25T03:40:46+00:00\",\"dateModified\":\"2022-05-05T03:50:54+00:00\",\"breadcrumb\":{\"@id\":\"https:\/\/anvilaw.com\/vi\/971-can-quy-dinh-chat-che-ro-rang\/#breadcrumb\"},\"inLanguage\":\"vi\",\"potentialAction\":[{\"@type\":\"ReadAction\",\"target\":[\"https:\/\/anvilaw.com\/vi\/971-can-quy-dinh-chat-che-ro-rang\/\"]}]},{\"@type\":\"ImageObject\",\"inLanguage\":\"vi\",\"@id\":\"https:\/\/anvilaw.com\/vi\/971-can-quy-dinh-chat-che-ro-rang\/#primaryimage\",\"url\":\"https:\/\/anvilaw.com\/wp-content\/uploads\/2022\/05\/16.jpg\",\"contentUrl\":\"https:\/\/anvilaw.com\/wp-content\/uploads\/2022\/05\/16.jpg\",\"width\":320,\"height\":335},{\"@type\":\"BreadcrumbList\",\"@id\":\"https:\/\/anvilaw.com\/vi\/971-can-quy-dinh-chat-che-ro-rang\/#breadcrumb\",\"itemListElement\":[{\"@type\":\"ListItem\",\"position\":1,\"name\":\"Home\",\"item\":\"https:\/\/anvilaw.com\/vi\/\"},{\"@type\":\"ListItem\",\"position\":2,\"name\":\"971. C\u1ea7n quy \u0111\u1ecbnh ch\u1eb7t ch\u1ebd, r\u00f5 r\u00e0ng\"}]},{\"@type\":\"WebSite\",\"@id\":\"https:\/\/anvilaw.com\/vi\/#website\",\"url\":\"https:\/\/anvilaw.com\/vi\/\",\"name\":\"ANVI Law Firm - C\u00f4ng ty Lu\u1eadt ANVI\",\"description\":\"C\u00f4ng ty Lu\u1eadt ANVI - ANVI Law Firm\",\"publisher\":{\"@id\":\"https:\/\/anvilaw.com\/vi\/#organization\"},\"alternateName\":\"anvilaw.com\",\"potentialAction\":[{\"@type\":\"SearchAction\",\"target\":{\"@type\":\"EntryPoint\",\"urlTemplate\":\"https:\/\/anvilaw.com\/vi\/?s={search_term_string}\"},\"query-input\":{\"@type\":\"PropertyValueSpecification\",\"valueRequired\":true,\"valueName\":\"search_term_string\"}}],\"inLanguage\":\"vi\"},{\"@type\":\"Organization\",\"@id\":\"https:\/\/anvilaw.com\/vi\/#organization\",\"name\":\"C\u00f4ng ty Lu\u1eadt ANVI | ANVI Law Firm\",\"alternateName\":\"ANVI\",\"url\":\"https:\/\/anvilaw.com\/vi\/\",\"logo\":{\"@type\":\"ImageObject\",\"inLanguage\":\"vi\",\"@id\":\"https:\/\/anvilaw.com\/vi\/#\/schema\/logo\/image\/\",\"url\":\"https:\/\/anvilaw.com\/wp-content\/uploads\/2022\/01\/ANVI-Logo-ca-hinh-va-chu-khong-co-nen-174K-1.png\",\"contentUrl\":\"https:\/\/anvilaw.com\/wp-content\/uploads\/2022\/01\/ANVI-Logo-ca-hinh-va-chu-khong-co-nen-174K-1.png\",\"width\":3493,\"height\":1535,\"caption\":\"C\u00f4ng ty Lu\u1eadt ANVI | ANVI Law Firm\"},\"image\":{\"@id\":\"https:\/\/anvilaw.com\/vi\/#\/schema\/logo\/image\/\"},\"sameAs\":[\"https:\/\/facebook.com\/anvilawfirm\",\"https:\/\/x.com\/anvilawfirm\",\"https:\/\/www.youtube.com\/@anvilawfirm\",\"https:\/\/www.youtube.com\/@lsduc_anvi\"]},{\"@type\":\"Person\",\"@id\":\"https:\/\/anvilaw.com\/vi\/#\/schema\/person\/eb3eded70711d9ebee6ffdcf3118521b\",\"name\":\"administrator\",\"image\":{\"@type\":\"ImageObject\",\"inLanguage\":\"vi\",\"@id\":\"https:\/\/anvilaw.com\/vi\/#\/schema\/person\/image\/\",\"url\":\"https:\/\/secure.gravatar.com\/avatar\/6b4cad1cc3230c0a6032a9bbe5c29009e3463315571ae4d836ed00aa783418a8?s=96&d=mm&r=g\",\"contentUrl\":\"https:\/\/secure.gravatar.com\/avatar\/6b4cad1cc3230c0a6032a9bbe5c29009e3463315571ae4d836ed00aa783418a8?s=96&d=mm&r=g\",\"caption\":\"administrator\"},\"url\":\"https:\/\/anvilaw.com\/vi\/author\/administrator\/\"}]}<\/script>\n<!-- \/ Yoast SEO plugin. -->","yoast_head_json":{"title":"[:vi]971. C\u1ea7n quy \u0111\u1ecbnh ch\u1eb7t ch\u1ebd, r\u00f5 r\u00e0ng[:] - ANVI Law Firm","robots":{"index":"index","follow":"follow","max-snippet":"max-snippet:-1","max-image-preview":"max-image-preview:large","max-video-preview":"max-video-preview:-1"},"canonical":"https:\/\/anvilaw.com\/vi\/971-can-quy-dinh-chat-che-ro-rang\/","og_locale":"vi_VN","og_type":"article","og_title":"[:vi]971. C\u1ea7n quy \u0111\u1ecbnh ch\u1eb7t ch\u1ebd, r\u00f5 r\u00e0ng[:] - ANVI Law Firm","og_description":"(\u0110TTC) – Hi\u1ec7n nay nhi\u1ec1u ng\u01b0\u1eddi d\u00e2n v\u1eabn e ng\u1ea1i ti\u1ebfp c\u1eadn vay ti\u00eau d\u00f9ng v\u00ec l\u00e3i su\u1ea5t cao h\u01a1n so v\u1edbi vay NH. Xung quanh v\u1ea5n \u0111\u1ec1 n\u00e0y, \u0110TTC \u0111\u00e3 trao \u0111\u1ed5i v\u1edbi Lu\u1eadt s\u01b0 TR\u01af\u01a0NG THANH \u0110\u1ee8C, Ch\u1ee7 nhi\u1ec7m C\u00e2u l\u1ea1c b\u1ed9 Ph\u00e1p ch\u1ebf Hi\u1ec7p h\u1ed9i NH Vi\u1ec7t Nam, Gi\u00e1m \u0111\u1ed1c C\u00f4ng ty […]","og_url":"https:\/\/anvilaw.com\/vi\/971-can-quy-dinh-chat-che-ro-rang\/","og_site_name":"ANVI Law Firm","article_publisher":"https:\/\/facebook.com\/anvilawfirm","article_published_time":"2016-02-25T03:40:46+00:00","article_modified_time":"2022-05-05T03:50:54+00:00","og_image":[{"width":320,"height":335,"url":"https:\/\/anvilaw.com\/wp-content\/uploads\/2022\/05\/16.jpg","type":"image\/jpeg"}],"author":"administrator","twitter_card":"summary_large_image","twitter_creator":"@anvilawfirm","twitter_site":"@anvilawfirm","twitter_misc":{"\u0110\u01b0\u1ee3c vi\u1ebft b\u1edfi":"administrator","\u01af\u1edbc t\u00ednh th\u1eddi gian \u0111\u1ecdc":"10 ph\u00fat"},"schema":{"@context":"https:\/\/schema.org","@graph":[{"@type":"Article","@id":"https:\/\/anvilaw.com\/vi\/971-can-quy-dinh-chat-che-ro-rang\/#article","isPartOf":{"@id":"https:\/\/anvilaw.com\/vi\/971-can-quy-dinh-chat-che-ro-rang\/"},"author":{"name":"administrator","@id":"https:\/\/anvilaw.com\/vi\/#\/schema\/person\/eb3eded70711d9ebee6ffdcf3118521b"},"headline":"971. C\u1ea7n quy \u0111\u1ecbnh ch\u1eb7t ch\u1ebd, r\u00f5 r\u00e0ng","datePublished":"2016-02-25T03:40:46+00:00","dateModified":"2022-05-05T03:50:54+00:00","mainEntityOfPage":{"@id":"https:\/\/anvilaw.com\/vi\/971-can-quy-dinh-chat-che-ro-rang\/"},"wordCount":2006,"commentCount":0,"publisher":{"@id":"https:\/\/anvilaw.com\/vi\/#organization"},"image":{"@id":"https:\/\/anvilaw.com\/vi\/971-can-quy-dinh-chat-che-ro-rang\/#primaryimage"},"thumbnailUrl":"https:\/\/anvilaw.com\/wp-content\/uploads\/2022\/05\/16.jpg","articleSection":["Ph\u1ecfng v\u1ea5n","T\u01b0 li\u1ec7u ANVI"],"inLanguage":"vi","potentialAction":[{"@type":"CommentAction","name":"Comment","target":["https:\/\/anvilaw.com\/vi\/971-can-quy-dinh-chat-che-ro-rang\/#respond"]}]},{"@type":"WebPage","@id":"https:\/\/anvilaw.com\/vi\/971-can-quy-dinh-chat-che-ro-rang\/","url":"https:\/\/anvilaw.com\/vi\/971-can-quy-dinh-chat-che-ro-rang\/","name":"[:vi]971. C\u1ea7n quy \u0111\u1ecbnh ch\u1eb7t ch\u1ebd, r\u00f5 r\u00e0ng[:] - ANVI Law Firm","isPartOf":{"@id":"https:\/\/anvilaw.com\/vi\/#website"},"primaryImageOfPage":{"@id":"https:\/\/anvilaw.com\/vi\/971-can-quy-dinh-chat-che-ro-rang\/#primaryimage"},"image":{"@id":"https:\/\/anvilaw.com\/vi\/971-can-quy-dinh-chat-che-ro-rang\/#primaryimage"},"thumbnailUrl":"https:\/\/anvilaw.com\/wp-content\/uploads\/2022\/05\/16.jpg","datePublished":"2016-02-25T03:40:46+00:00","dateModified":"2022-05-05T03:50:54+00:00","breadcrumb":{"@id":"https:\/\/anvilaw.com\/vi\/971-can-quy-dinh-chat-che-ro-rang\/#breadcrumb"},"inLanguage":"vi","potentialAction":[{"@type":"ReadAction","target":["https:\/\/anvilaw.com\/vi\/971-can-quy-dinh-chat-che-ro-rang\/"]}]},{"@type":"ImageObject","inLanguage":"vi","@id":"https:\/\/anvilaw.com\/vi\/971-can-quy-dinh-chat-che-ro-rang\/#primaryimage","url":"https:\/\/anvilaw.com\/wp-content\/uploads\/2022\/05\/16.jpg","contentUrl":"https:\/\/anvilaw.com\/wp-content\/uploads\/2022\/05\/16.jpg","width":320,"height":335},{"@type":"BreadcrumbList","@id":"https:\/\/anvilaw.com\/vi\/971-can-quy-dinh-chat-che-ro-rang\/#breadcrumb","itemListElement":[{"@type":"ListItem","position":1,"name":"Home","item":"https:\/\/anvilaw.com\/vi\/"},{"@type":"ListItem","position":2,"name":"971. C\u1ea7n quy \u0111\u1ecbnh ch\u1eb7t ch\u1ebd, r\u00f5 r\u00e0ng"}]},{"@type":"WebSite","@id":"https:\/\/anvilaw.com\/vi\/#website","url":"https:\/\/anvilaw.com\/vi\/","name":"ANVI Law Firm - C\u00f4ng ty Lu\u1eadt ANVI","description":"C\u00f4ng ty Lu\u1eadt ANVI - ANVI Law Firm","publisher":{"@id":"https:\/\/anvilaw.com\/vi\/#organization"},"alternateName":"anvilaw.com","potentialAction":[{"@type":"SearchAction","target":{"@type":"EntryPoint","urlTemplate":"https:\/\/anvilaw.com\/vi\/?s={search_term_string}"},"query-input":{"@type":"PropertyValueSpecification","valueRequired":true,"valueName":"search_term_string"}}],"inLanguage":"vi"},{"@type":"Organization","@id":"https:\/\/anvilaw.com\/vi\/#organization","name":"C\u00f4ng ty Lu\u1eadt ANVI | ANVI Law Firm","alternateName":"ANVI","url":"https:\/\/anvilaw.com\/vi\/","logo":{"@type":"ImageObject","inLanguage":"vi","@id":"https:\/\/anvilaw.com\/vi\/#\/schema\/logo\/image\/","url":"https:\/\/anvilaw.com\/wp-content\/uploads\/2022\/01\/ANVI-Logo-ca-hinh-va-chu-khong-co-nen-174K-1.png","contentUrl":"https:\/\/anvilaw.com\/wp-content\/uploads\/2022\/01\/ANVI-Logo-ca-hinh-va-chu-khong-co-nen-174K-1.png","width":3493,"height":1535,"caption":"C\u00f4ng ty Lu\u1eadt ANVI | ANVI Law Firm"},"image":{"@id":"https:\/\/anvilaw.com\/vi\/#\/schema\/logo\/image\/"},"sameAs":["https:\/\/facebook.com\/anvilawfirm","https:\/\/x.com\/anvilawfirm","https:\/\/www.youtube.com\/@anvilawfirm","https:\/\/www.youtube.com\/@lsduc_anvi"]},{"@type":"Person","@id":"https:\/\/anvilaw.com\/vi\/#\/schema\/person\/eb3eded70711d9ebee6ffdcf3118521b","name":"administrator","image":{"@type":"ImageObject","inLanguage":"vi","@id":"https:\/\/anvilaw.com\/vi\/#\/schema\/person\/image\/","url":"https:\/\/secure.gravatar.com\/avatar\/6b4cad1cc3230c0a6032a9bbe5c29009e3463315571ae4d836ed00aa783418a8?s=96&d=mm&r=g","contentUrl":"https:\/\/secure.gravatar.com\/avatar\/6b4cad1cc3230c0a6032a9bbe5c29009e3463315571ae4d836ed00aa783418a8?s=96&d=mm&r=g","caption":"administrator"},"url":"https:\/\/anvilaw.com\/vi\/author\/administrator\/"}]}},"_links":{"self":[{"href":"https:\/\/anvilaw.com\/vi\/wp-json\/wp\/v2\/posts\/20277","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/anvilaw.com\/vi\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/anvilaw.com\/vi\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/anvilaw.com\/vi\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/anvilaw.com\/vi\/wp-json\/wp\/v2\/comments?post=20277"}],"version-history":[{"count":0,"href":"https:\/\/anvilaw.com\/vi\/wp-json\/wp\/v2\/posts\/20277\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/anvilaw.com\/vi\/wp-json\/wp\/v2\/media\/20278"}],"wp:attachment":[{"href":"https:\/\/anvilaw.com\/vi\/wp-json\/wp\/v2\/media?parent=20277"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/anvilaw.com\/vi\/wp-json\/wp\/v2\/categories?post=20277"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/anvilaw.com\/vi\/wp-json\/wp\/v2\/tags?post=20277"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}