{"id":20320,"date":"2014-11-20T08:43:01","date_gmt":"2014-11-20T01:43:01","guid":{"rendered":"https:\/\/anvilaw.com\/vi\/?p=20320"},"modified":"2022-05-06T09:02:28","modified_gmt":"2022-05-06T02:02:28","slug":"601-ngan-hang-la-nan-nhan-cua-no-xau","status":"publish","type":"post","link":"https:\/\/anvilaw.com\/vi\/601-ngan-hang-la-nan-nhan-cua-no-xau\/","title":{"rendered":"601. Ng\u00e2n h\u00e0ng l\u00e0 n\u1ea1n nh\u00e2n c\u1ee7a n\u1ee3 x\u1ea5u"},"content":{"rendered":"(D\u0110DN) –\u00a0Hi\u1ec7n nay \u0111ang c\u00f3 nhi\u1ec1u nh\u1eadn \u0111\u1ecbnh sai l\u1ea7m v\u1ec1 nguy\u00ean nh\u00e2n v\u00e0 tr\u00e1ch nhi\u1ec7m c\u1ee7a ng\u00e0nh ng\u00e2n h\u00e0ng \u0111\u1ed1i v\u1edbi n\u1ee3 x\u1ea5u. Th\u1ee9 nh\u1ea5t l\u00e0 \u0111\u1ed5 l\u1ed7i cho ng\u00e2n h\u00e0ng g\u00e2y ra n\u1ee3 x\u1ea5u. Th\u1ee9 hai l\u00e0 \u0111\u1ed7 l\u1ed7i cho ng\u00e2n h\u00e0ng kh\u00f4ng t\u00edch c\u1ef1c x\u1eed l\u00fd n\u1ee3 x\u1ea5u. V\u00e0 th\u1ee9 ba l\u00e0 \u0111\u1ed5 l\u1ed7i cho ng\u00e2n h\u00e0ng \u0111\u1ec3 cho n\u1ee3 x\u1ea5u t\u00e1i di\u1ec5n.<\/strong><\/p>\n

\"\"<\/p>\n

\u0110\u00f3 ch\u1ec9 l\u00e0 m\u1ed9t ph\u1ea7n nh\u1ecf c\u1ee7a s\u1ef1 th\u1eadt. Th\u1ef1c t\u1ebf th\u00ec h\u1ea7u h\u1ebft c\u00e1c ng\u00e2n h\u00e0ng kh\u00f4ng ph\u1ea3i l\u00e0 con\u00a0n\u1ee3 x\u1ea5u<\/a>, m\u00e0 l\u00e0 ch\u1ee7 n\u1ee3 x\u1ea5u. C\u00e1c kho\u1ea3n \u0111i vay c\u1ee7a ng\u00e2n h\u00e0ng l\u00e0 n\u1ee3 t\u1ed1t. Ng\u00e2n h\u00e0ng vay d\u00e2n, vay DN, vay t\u1ed5 ch\u1ee9c t\u00edn d\u1ee5ng kh\u00e1c hay vay NHNN \u0111\u1ec1u tr\u1ea3 n\u1ee3 \u0111\u00fang tho\u1ea3 thu\u1eadn, ch\u1ec9 c\u00f3 DN vay ng\u00e2n h\u00e0ng l\u00e0 kh\u00f4ng tr\u1ea3 \u0111\u01b0\u1ee3c v\u00e0 ch\u00ednh \u0111i\u1ec1u n\u00e0y \u0111\u00e3 g\u00e2y ra n\u1ee3 x\u1ea5u. Th\u1ee7 ph\u1ea1m c\u1ee7a n\u1ee3 x\u1ea5u l\u00e0 DN v\u00e0 n\u1ec1n kinh t\u1ebf, m\u00e0 ng\u00e2n h\u00e0ng \u0111\u00f3ng vai ch\u00ednh l\u00e0 n\u1ea1n nh\u00e2n.<\/p>\n

M\u1ecdi ng\u01b0\u1eddi th\u01b0\u1eddng \u0111\u1eb7t ra c\u00e2u h\u1ecfi, t\u1ea1i sao ng\u00e2n h\u00e0ng l\u1ea1i t\u1ea1o ra n\u1ee3 x\u1ea5u kinh kh\u1ee7ng nh\u01b0 th\u1ebf, t\u1ea1i sao ng\u00e2n h\u00e0ng kh\u00f4ng thu h\u1ed3i n\u1ee3 x\u1ea5u, t\u1ea1i sao ng\u00e2n h\u00e0ng kh\u00f4ng k\u00ea bi\u00ean t\u00e0i s\u1ea3n, t\u1ecbch thu h\u00e0ng h\u00f3a, nh\u00e0 c\u1eeda \u0111\u1ec3 b\u00e1n v\u00ec theo lu\u1eadt c\u0169ng nh\u01b0 th\u1ecfa thu\u1eadn trong h\u1ee3p \u0111\u1ed3ng, ng\u00e2n h\u00e0ng c\u00f3 to\u00e0n quy\u1ec1n l\u00e0m vi\u1ec7c \u0111\u00f3. Th\u1ebf nh\u01b0ng h\u1ecd \u0111\u00e2u bi\u1ebft r\u1eb1ng, ng\u00e2n h\u00e0ng l\u00e0m sao thu n\u1ee3 khi DN kh\u00f4ng c\u00f3 ti\u1ec1n, l\u00e0m sao m\u1ed9t m\u00ecnh ng\u00e2n h\u00e0ng c\u00f3 th\u1ec3 thu h\u1ed3i v\u00e0 ph\u00e1t m\u1ea1i \u0111\u01b0\u1ee3c t\u00e0i s\u1ea3n b\u1ea3o \u0111\u1ea3m l\u00e0 nh\u00e0 \u0111\u1ea5t.<\/p>\n

Ng\u00e2n h\u00e0ng \u0111ang \u0111\u01a1n th\u01b0\u01a1ng \u0111\u1ed9c m\u00e3 gi\u1eefa cu\u1ed9c chi\u1ebfn x\u1eed l\u00fd n\u1ee3 x\u1ea5u. Khi cho vay, ng\u00e2n h\u00e0ng l\u00e0 ng\u01b0\u1eddi quy\u1ebft \u0111\u1ecbnh \u0111\u1ed1i v\u1edbi kh\u00e1ch h\u00e0ng, nh\u01b0ng khi \u0111\u00f2i n\u1ee3 th\u00ec kh\u00e1ch h\u00e0ng m\u1edbi l\u00e0 ng\u01b0\u1eddi quy\u1ebft \u0111\u1ecbnh. D\u00e2n\u00a0ng\u00e2n h\u00e0ng<\/a>\u00a0ng\u1eadm ng\u00f9i, x\u00f3t xa m\u00e0 th\u1eeba nh\u1eadn m\u1ed9t th\u1ef1c t\u1ebf r\u1eb1ng, ng\u00e2n h\u00e0ng\u00a0\u201c\u0111\u1ee9ng cho vay, qu\u1ef3 thu n\u1ee3\u201d. Ti\u1ec1n v\u1ed1n v\u00e0 s\u1ef1 an to\u00e0n c\u1ee7a ng\u00e2n h\u00e0ng \u0111ang b\u1ecb vi ph\u1ea1m nghi\u00eam tr\u1ecdng khi kh\u00e1ch h\u00e0ng kh\u00f4ng tr\u1ea3 n\u1ee3. C\u00e1c c\u1ed5 \u0111\u00f4ng n\u00f3i chung, \u00f4ng ch\u1ee7 ng\u00e2n h\u00e0ng n\u00f3i ri\u00eang \u0111\u00e3 b\u1ecf ra h\u00e0ng ngh\u00ecn t\u1ef7 \u0111\u1ed3ng v\u1ed1n \u0111i\u1ec1u l\u1ec7 g\u00f3p v\u00e0o ng\u00e2n h\u00e0ng \u0111ang th\u1eadt s\u1ef1 m\u1ea5t \u0103n, m\u1ea5t ng\u1ee7 tr\u01b0\u1edbc t\u00ecnh tr\u1ea1ng kh\u00f4ng thu h\u1ed3i \u0111\u01b0\u1ee3c n\u1ee3 x\u1ea5u, ph\u1ea3i tr\u00edch l\u1eadp d\u1ef1 ph\u00f2ng r\u1ee7i ro, l\u1ee3i nhu\u1eadn c\u00f3 khi thua c\u1ea3\u00a0l\u00e3i su\u1ea5t ti\u1ebft ki\u1ec7m<\/a>, r\u1ed3i nguy c\u01a1 b\u1ecb xo\u00e1 s\u1ed5 do ph\u1ea3i s\u00e1p nh\u1eadp, ph\u00e1 s\u1ea3n. V\u1eady, l\u00fd g\u00ec m\u00e0 b\u1ea3o ng\u00e0nh ng\u00e2n h\u00e0ng kh\u00f4ng t\u00edch c\u1ef1c x\u1eed l\u00fd n\u1ee3 x\u1ea5u? Hi\u1ec7n nay, vi\u1ec7c x\u1eed l\u00fd n\u1ee3 x\u1ea5u lu\u00f4n l\u00e0 nhi\u1ec7m v\u1ee5 \u01b0u ti\u00ean h\u00e0ng \u0111\u1ea7u c\u1ee7a c\u00e1c ng\u00e2n h\u00e0ng. Ch\u1ec9 ti\u00eau thu h\u1ed3i n\u1ee3 l\u00e0 s\u1ed1ng c\u00f2n, l\u1ef1c l\u01b0\u1ee3ng thu h\u1ed3i n\u1ee3 \u0111\u00f4ng \u0111\u1ea3o, ch\u1ec9 \u0111\u1ea1o thu h\u1ed3i n\u1ee3 quy\u1ebft li\u1ec7t\u2026<\/p>\n

N\u1ebfu ng\u01b0\u1eddi vay l\u1ea1m d\u1ee5ng t\u00edn nhi\u1ec7m hay l\u1eeba \u0111\u1ea3o, chi\u1ebfm \u0111o\u1ea1t ti\u1ec1n c\u1ee7a ng\u00e2n h\u00e0ng th\u00ec \u0111\u01b0\u01a1ng nhi\u00ean ph\u1ea3i x\u1eed l\u00fd h\u00ecnh s\u1ef1. N\u1ebfu c\u00e1n b\u1ed9 ng\u00e2n h\u00e0ng th\u1ef1c s\u1ef1 sai ph\u1ea1m nghi\u00eam tr\u1ecdng, tham nh\u0169ng hay \u0111\u1ed3ng ph\u1ea1m v\u1edbi ng\u01b0\u1eddi vay, th\u00ec c\u0169ng ph\u1ea3i x\u1eed ph\u1ea1t v\u1ec1 c\u00e1c t\u1ed9i t\u01b0\u01a1ng \u1ee9ng. Tuy nhi\u00ean, tr\u00ean th\u1ef1c t\u1ebf, qu\u00e1 nhi\u1ec1u c\u00e1n b\u1ed9 ng\u00e2n h\u00e0ng l\u00e0 n\u1ea1n nh\u00e2n b\u1ecb l\u1ea1m d\u1ee5ng, l\u1eeba \u0111\u1ea3o nh\u01b0ng l\u1ea1i b\u1ecb quy k\u1ebft l\u00e0 t\u1ed9i ph\u1ea1m vi ph\u1ea1m quy \u0111\u1ecbnh v\u1ec1 cho vay ho\u1eb7c t\u1ed9i ph\u1ea1m c\u1ed1 \u00fd l\u00e0m tr\u00e1i.<\/p>\n

LS\u00a0<\/em>Tr\u01b0\u01a1ng Thanh \u0110\u1ee9c<\/strong>
\nGi\u00e1m \u0111\u1ed1c C\u00f4ng ty TNHH ANVI<\/p>\n

\u2014\u2014\u2014\u2014\u2014\u2013<\/strong><\/p>\n

Di\u1ec5n \u0111\u00e0n Doanh nghi\u1ec7p (T\u00e0i ch\u00ednh \u2013 Ng\u00e2n h\u00e0ng) 20-11-2014:<\/em><\/strong><\/p>\n

http:\/\/dddn.com.vn\/tai-chinh-ngan-hang\/ngan-hang-la-nan-nhan-cua-no-xau-20141119094628391.htm<\/em><\/p>\n

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

(D\u0110DN) –\u00a0Hi\u1ec7n nay \u0111ang c\u00f3 nhi\u1ec1u nh\u1eadn \u0111\u1ecbnh sai l\u1ea7m v\u1ec1 nguy\u00ean nh\u00e2n v\u00e0 tr\u00e1ch nhi\u1ec7m c\u1ee7a ng\u00e0nh ng\u00e2n h\u00e0ng \u0111\u1ed1i v\u1edbi n\u1ee3 x\u1ea5u. Th\u1ee9 nh\u1ea5t l\u00e0 \u0111\u1ed5 l\u1ed7i cho ng\u00e2n h\u00e0ng g\u00e2y ra n\u1ee3 x\u1ea5u. Th\u1ee9 hai l\u00e0 \u0111\u1ed7 l\u1ed7i cho ng\u00e2n h\u00e0ng kh\u00f4ng t\u00edch c\u1ef1c x\u1eed l\u00fd n\u1ee3 x\u1ea5u. V\u00e0 th\u1ee9 ba l\u00e0 […]<\/p>\n","protected":false},"author":3,"featured_media":20321,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":""},"categories":[27,26],"tags":[],"class_list":["post-20320","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-interviews","category-legal-media"],"acf":[],"yoast_head":"\n601. Ng\u00e2n h\u00e0ng l\u00e0 n\u1ea1n nh\u00e2n c\u1ee7a n\u1ee3 x\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\/601-ngan-hang-la-nan-nhan-cua-no-xau\/\" \/>\n<meta property=\"og:locale\" content=\"vi_VN\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"[:vi]601. Ng\u00e2n h\u00e0ng l\u00e0 n\u1ea1n nh\u00e2n c\u1ee7a n\u1ee3 x\u1ea5u[:] - ANVI Law Firm\" \/>\n<meta property=\"og:description\" content=\"(D\u0110DN) –\u00a0Hi\u1ec7n nay \u0111ang c\u00f3 nhi\u1ec1u nh\u1eadn \u0111\u1ecbnh sai l\u1ea7m v\u1ec1 nguy\u00ean nh\u00e2n v\u00e0 tr\u00e1ch nhi\u1ec7m c\u1ee7a ng\u00e0nh ng\u00e2n h\u00e0ng \u0111\u1ed1i v\u1edbi n\u1ee3 x\u1ea5u. Th\u1ee9 nh\u1ea5t l\u00e0 \u0111\u1ed5 l\u1ed7i cho ng\u00e2n h\u00e0ng g\u00e2y ra n\u1ee3 x\u1ea5u. Th\u1ee9 hai l\u00e0 \u0111\u1ed7 l\u1ed7i cho ng\u00e2n h\u00e0ng kh\u00f4ng t\u00edch c\u1ef1c x\u1eed l\u00fd n\u1ee3 x\u1ea5u. V\u00e0 th\u1ee9 ba l\u00e0 […]\" \/>\n<meta property=\"og:url\" content=\"https:\/\/anvilaw.com\/en\/601-ngan-hang-la-nan-nhan-cua-no-xau\/\" \/>\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=\"2014-11-20T01:43:01+00:00\" \/>\n<meta property=\"article:modified_time\" content=\"2022-05-06T02:02:28+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/anvilaw.com\/wp-content\/uploads\/2022\/05\/Picture1-1.png\" \/>\n\t<meta property=\"og:image:width\" content=\"781\" \/>\n\t<meta property=\"og:image:height\" content=\"514\" \/>\n\t<meta property=\"og:image:type\" content=\"image\/png\" \/>\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=\"5 ph\u00fat\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\/\/schema.org\",\"@graph\":[{\"@type\":\"Article\",\"@id\":\"https:\/\/anvilaw.com\/en\/601-ngan-hang-la-nan-nhan-cua-no-xau\/#article\",\"isPartOf\":{\"@id\":\"https:\/\/anvilaw.com\/en\/601-ngan-hang-la-nan-nhan-cua-no-xau\/\"},\"author\":{\"name\":\"Tr\u01b0\u01a1ng Trung Ngh\u0129a\",\"@id\":\"https:\/\/anvilaw.com\/vi\/#\/schema\/person\/28ef9093c3478d1b1ba56f61255ebe7a\"},\"headline\":\"601. 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