{"id":20328,"date":"2014-11-24T09:07:57","date_gmt":"2014-11-24T02:07:57","guid":{"rendered":"https:\/\/anvilaw.com\/vi\/?p=20328"},"modified":"2022-05-06T09:14:10","modified_gmt":"2022-05-06T02:14:10","slug":"603-ap-dung-thong-tu-36-nguy-co-mat-can-doi-giua-nguon-von-ngan-han-va-trung-dai-han-qua-lon","status":"publish","type":"post","link":"https:\/\/anvilaw.com\/vi\/603-ap-dung-thong-tu-36-nguy-co-mat-can-doi-giua-nguon-von-ngan-han-va-trung-dai-han-qua-lon\/","title":{"rendered":"603. \u00c1p d\u1ee5ng th\u00f4ng t\u01b0 36: Nguy c\u01a1 m\u1ea5t c\u00e2n \u0111\u1ed1i gi\u1eefa ngu\u1ed3n v\u1ed1n ng\u1eafn h\u1ea1n v\u00e0 trung, d\u00e0i h\u1ea1n qu\u00e1 l\u1edbn"},"content":{"rendered":"<strong>(CFF) &#8211;\u00a0L\u00e2u nay, t\u1ef7 l\u1ec7 30% v\u1eabn kh\u00f4ng th\u1ea5y th\u00f4ng tin b\u1ecb v\u01b0\u1ee3t r\u00e0o, th\u00ec gi\u1edbi h\u1ea1n 60% s\u1ebd qu\u00e1 d\u1ec5 d\u00e0ng \u0111\u1ed1i v\u1edbi c\u00e1c ng\u00e2n h\u00e0ng.<\/strong><\/p>\n<p><img loading=\"lazy\" decoding=\"async\" class=\"alignnone size-medium wp-image-20329 img-fluid img-fluid\" src=\"https:\/\/anvilaw.com\/wp-content\/uploads\/2022\/05\/603-450x252.png\" alt=\"\" width=\"450\" height=\"252\" srcset=\"https:\/\/anvilaw.com\/wp-content\/uploads\/2022\/05\/603-450x252.png 450w, https:\/\/anvilaw.com\/wp-content\/uploads\/2022\/05\/603-768x430.png 768w, https:\/\/anvilaw.com\/wp-content\/uploads\/2022\/05\/603.png 874w\" sizes=\"auto, (max-width: 450px) 100vw, 450px\" \/><\/p>\n<p>Ng\u00e2n h\u00e0ng nh\u00e0 n\u01b0\u1edbc (NHNN) v\u1eeba ch\u00ednh th\u1ee9c ban h\u00e0nh th\u00f4ng t\u01b0 36\/TT-NHNN \u201cQuy \u0111\u1ecbnh c\u00e1c gi\u1edbi h\u1ea1n, t\u1ef7 l\u1ec7 \u0111\u1ea3m b\u1ea3o an to\u00e0n ho\u1ea1t \u0111\u1ed9ng T\u1ed5 ch\u1ee9c t\u00edn d\u1ee5ng (TCTD), chi nh\u00e1nh NH n\u01b0\u1edbc ngo\u00e0i\u201d. Theo k\u1ebf ho\u1ea1ch, Th\u00f4ng t\u01b0 n\u00e0y s\u1ebd c\u00f3 hi\u1ec7u l\u1ef1c t\u1eeb ng\u00e0y 1\/2\/2015.<\/p>\n<p>Xoay quanh m\u1ed9t s\u1ed1 kh\u00eda c\u1ea1nh c\u1ee7a Th\u00f4ng t\u01b0 n\u00e0y, ch\u00fang t\u00f4i \u0111\u00e3 c\u00f3 cu\u1ed9c trao \u0111\u1ed5i v\u1edbi Lu\u1eadt s\u01b0 Tr\u01b0\u01a1ng Thanh \u0110\u1ee9c &#8211; Gi\u00e1m \u0111\u1ed1c C\u00f4ng ty Lu\u1eadt TNHH ANVI, Tr\u1ecdng t\u00e0i vi\u00ean VIAC<\/p>\n<p><strong><em>V\u1edbi nh\u1eefng quy \u0111\u1ecbnh m\u1edbi c\u1ee7a TT36, \u00f4ng c\u00f3 cho r\u1eb1ng s\u1ebd \u1ea3nh h\u01b0\u1edfng l\u1edbn \u0111\u1ebfn ngu\u1ed3n cung c\u1ed5 phi\u1ebfu ng\u00e2n h\u00e0ng (v\u1ed1n \u0111ang nhi\u1ec1u tr\u00ean th\u1ecb tr\u01b0\u1eddng) trong th\u1eddi gian t\u1edbi kh\u00f4ng?<\/em><\/strong><\/p>\n<p>Theo quy \u0111\u1ecbnh c\u1ee7a Th\u00f4ng t\u01b0 n\u00e0y, th\u00ec t\u1ef7 l\u1ec7 s\u1edf h\u1eefu c\u1ed5 ph\u1ea7n chu\u1ea9n b\u1ecb ph\u1ea3i th\u1ef1c hi\u1ec7n theo \u0111\u00fang quy \u0111\u1ecbnh c\u1ee7a Lu\u1eadt C\u00e1c t\u1ed5 ch\u1ee9c t\u00edn d\u1ee5ng v\u00e0 m\u1ed9t ng\u00e2n h\u00e0ng kh\u00f4ng \u0111\u01b0\u1ee3c s\u1edf h\u1eefu c\u1ed5 ph\u1ea7n c\u1ee7a qu\u00e1 hai ng\u00e2n h\u00e0ng kh\u00e1c. \u0110i\u1ec1u n\u00e0y c\u00f3 ngh\u0129a l\u00e0 m\u1ed9t s\u1ed1 c\u1ed5 \u0111\u00f4ng, trong \u0111\u00f3 c\u00f3 ng\u00e2n h\u00e0ng s\u1ebd ph\u1ea3i tho\u00e1i v\u1ed1n \u0111\u1ec3 b\u1ea3o \u0111\u1ea3m gi\u1edbi h\u1ea1n lu\u1eadt \u0111\u1ecbnh.<\/p>\n<p>Tuy nhi\u00ean, c\u0169ng \u00edt c\u00f3 kh\u1ea3 n\u0103ng g\u00e2y ra t\u00ecnh tr\u1ea1ng t\u0103ng ngu\u1ed3n cung c\u1ed5 phi\u1ec1u ng\u00e2n h\u00e0ng qu\u00e1 l\u1edbn v\u00ec m\u1ea5y l\u00fd do sau:<\/p>\n<p>Th\u1ee9 nh\u1ea5t, vi\u1ec7c n\u00e0y \u0111\u00e3 \u0111\u01b0\u1ee3c x\u00e1c \u0111\u1ecbnh t\u1eeb 4 n\u0103m nay, n\u00ean nhi\u1ec1u tr\u01b0\u1eddng h\u1ee3p v\u01b0\u1ee3t qu\u00e1 gi\u1edbi h\u1ea1n \u0111\u00e3 c\u00f3 th\u1eddi gian d\u00e0i \u0111\u1ec3 x\u1eed l\u00fd.<\/p>\n<p>Th\u1ee9 hai, \u0111a s\u1ed1 c\u00e1c tr\u01b0\u1eddng h\u1ee3p v\u01b0\u1ee3t gi\u1edbi h\u1ea1n l\u00e0 thu\u1ed9c v\u1ec1 ng\u00e2n h\u00e0ng ch\u01b0a ni\u00eam y\u1ebft, n\u00ean vi\u1ec7c b\u00e1n ch\u1ee7 y\u1ebfu t\u1eadp trung v\u00e0o m\u1ed9t s\u1ed1 nh\u00e0 \u0111\u1ea7u t\u01b0 l\u1edbn, ch\u1ee9 kh\u00f4ng tung ra \u1ed3 \u1ea1t tr\u00ean s\u00e0n hay th\u1ecb tr\u01b0\u1eddng OTC.<\/p>\n<p>Th\u1ee9 ba, v\u1eabn c\u00f2n th\u1eddi gian kho\u1ea3ng 1 n\u0103m n\u1eefa \u0111\u1ec3 x\u1eed l\u00fd vi\u1ec7c n\u00e0y.<\/p>\n<p><strong><em>\u00d4ng c\u00f3 cho r\u1eb1ng Th\u00f4ng t\u01b0 s\u1ebd gi\u1ea3m \u0111\u01b0\u1ee3c t\u00ecnh tr\u1ea1ng s\u1edf h\u1eefu ch\u00e9o gi\u1eefa c\u00e1c ng\u00e2n h\u00e0ng kh\u00f4ng?<\/em><\/strong><\/p>\n<p>Th\u00f4ng t\u01b0 n\u00e0y \u0111\u01b0\u1ee3c ban h\u00e0nh qu\u00e1 ch\u1eadm so v\u1edbi y\u00eau c\u1ea7u c\u1ee7a Lu\u1eadt C\u00e1c t\u1ed5 ch\u1ee9c t\u00edn d\u1ee5ng c\u0169ng nh\u01b0 \u0111\u00f2i h\u00f2i c\u1ee7a th\u1ef1c t\u1ebf.<\/p>\n<p>Nay \u0111\u00e3 c\u00f3 c\u00e1c gi\u1edbi h\u1ea1n c\u1ee5 th\u1ec3 nh\u1eb1m h\u1ea1n ch\u1ebf t\u00ecnh tr\u1ea1ng s\u1edf h\u1eefu ch\u00e9o gi\u1eefa c\u00e1c ng\u00e2n h\u00e0ng, v\u00ec v\u1eady n\u1ebfu th\u1ef1c hi\u1ec7n \u0111\u00fang Th\u00f4ng t\u01b0 n\u00e0y th\u00ec \u0111\u01b0\u01a1ng nhi\u00ean s\u1ebd \u0111\u1ea1t \u0111\u01b0\u1ee3c m\u1ee5c ti\u00eau \u0111\u00f3.<\/p>\n<p>Tuy nhi\u00ean, \u0111i\u1ec1u lo ng\u1ea1i l\u00e0 vi\u1ec7c gi\u1ea3m s\u1edf h\u1eefu ch\u00e9o tr\u00ean th\u1ef1c t\u1ebf hay ch\u1ec9 tr\u00ean gi\u1ea5y t\u1edd? V\u1ea5n \u0111\u1ec1 kh\u00f3 kh\u0103n v\u00e0 nan gi\u1ea3i l\u00e0 \u1edf ch\u1ed7, l\u00e0m sao tr\u00e1nh \u0111\u01b0\u1ee3c s\u1edf h\u1eefu ch\u00e9o phi ch\u00ednh th\u1ee9c?<\/p>\n<p><strong><em>Th\u00f4ng t\u01b0 quy \u0111\u1ecbnh c\u00e1c ng\u00e2n h\u00e0ng kh\u00f4ng \u0111\u01b0\u1ee3c ph\u00e9p cho vay trung v\u00e0 d\u00e0i h\u1ea1n v\u01b0\u1ee3t qu\u00e1 60% v\u1ed1n ng\u1eafn h\u1ea1n. \u00d4ng c\u00f3 cho r\u1eb1ng \u0111i\u1ec1u n\u00e0y s\u1ebd \u0111\u01b0\u1ee3c c\u00e1c ng\u00e2n h\u00e0ng ch\u1ea5p h\u00e0nh nghi\u00eam t\u00fac kh\u00f4ng? Vi\u1ec7c th\u1ef1c hi\u1ec7n c\u00f3 d\u1ec5 kh\u00f4ng?<\/em><\/strong><\/p>\n<p>\u0110\u00e2y l\u00e0 m\u1ed9t quy \u0111\u1ecbnh r\u1ed9ng r\u00e3i \u0111\u1ebfn m\u1ee9c kh\u00f4ng th\u1ec3 ng\u1edd. Quy \u0111\u1ecbnh hi\u1ec7n h\u00e0nh th\u00ec t\u1ef7 l\u1ec7 n\u00e0y ch\u1ec9 l\u00e0 30%, nay \u0111\u01b0\u1ee3c ph\u00e9p t\u0103ng g\u1ea5p \u0111\u00f4i, qu\u00e1 cao v\u00e0 qu\u00e1 r\u1ee7i ro.<\/p>\n<p>Do v\u1eady, c\u00f3 th\u1ec3 suy di\u1ec5n r\u1eb1ng, t\u1ef7 l\u1ec7 60% \u0111ang g\u1ea7n v\u1edbi con s\u1ed1 th\u1ef1c t\u1ebf. V\u00e0 nh\u01b0 v\u1eady th\u00ec kh\u00f4ng c\u00f2n b\u1ea5t k\u1ef3 l\u00fd do g\u00ec m\u00e0 c\u00e1c ng\u00e2n h\u00e0ng kh\u00f4ng ch\u1ea5p h\u00e0nh nghi\u00eam t\u00fac.<\/p>\n<p>L\u00e2u nay, t\u1ef7 l\u1ec7 30% v\u1eabn kh\u00f4ng th\u1ea5y th\u00f4ng tin b\u1ecb v\u01b0\u1ee3t r\u00e0o, th\u00ec gi\u1edbi h\u1ea1n 60% s\u1ebd qu\u00e1 d\u1ec5 d\u00e0ng \u0111\u1ed1i v\u1edbi c\u00e1c ng\u00e2n h\u00e0ng.<\/p>\n<p>V\u00e0 n\u1ebfu nh\u01b0 ng\u00e2n h\u00e0ng s\u1eed d\u1ee5ng h\u1ebft t\u1ef7 l\u1ec7 n\u00e0y, th\u00ec nguy c\u01a1 m\u1ea5t c\u00e2n \u0111\u1ed1i gi\u1eefa ngu\u1ed3n v\u1ed1n ng\u1eafn h\u1ea1n v\u00e0 trung, d\u00e0i h\u1ea1n qu\u00e1 l\u1edbn.<\/p>\n<p><strong><em>\u00a0\u0110\u00e1nh gi\u00e1 chung th\u00ec TT n\u00e0y s\u1ebd t\u00e1c \u0111\u1ed9ng \u0111\u1ebfn c\u00e1c ng\u00e2n h\u00e0ng trong th\u1eddi gian t\u1edbi, th\u01b0a \u00f4ng?<\/em><\/strong><\/p>\n<p>Nh\u00ecn chung, Th\u00f4ng t\u01b0 n\u00e0y s\u1ebd c\u00f3 t\u00e1c \u0111\u1ed9ng l\u1edbn \u0111\u1ebfn c\u00e1c ng\u00e2n h\u00e0ng. Ngo\u00e0i vi\u1ec7c t\u1ef7 l\u1ec7 s\u1edf h\u1eefu v\u00e0 s\u1edf h\u1eefu ch\u00e9o ng\u00e2n h\u00e0ng th\u00ec c\u00f2n m\u1ed9t s\u1ed1 n\u1ed9i dung kh\u00e1c c\u00f3 thay \u0111\u1ed5i l\u1edbn nh\u01b0:<\/p>\n<p>Gi\u1edbi h\u1ea1n cho vay \u0111\u1ea7u t\u01b0, kinh doanh ch\u1ee9ng kho\u00e1n tr\u01b0\u1edbc kia \u0111\u01b0\u1ee3c quy \u0111\u1ecbnh l\u00e0: T\u1ed5ng d\u01b0 n\u1ee3 cho vay, chi\u1ebft kh\u1ea5u gi\u1ea5y t\u1edd c\u00f3 gi\u00e1 \u0111\u1ec3 \u0111\u1ea7u t\u01b0 v\u00e0 kinh doanh ch\u1ee9ng kho\u00e1n kh\u00f4ng v\u01b0\u1ee3t qu\u00e1 20% v\u1ed1n \u0111i\u1ec1u l\u1ec7 c\u1ee7a t\u1ed5 ch\u1ee9c t\u00edn d\u1ee5ng, th\u00ec nay \u0111\u01b0\u1ee3c quy \u0111\u1ecbnh nh\u01b0 sau: T\u1ed5ng m\u1ee9c d\u01b0 n\u1ee3 c\u1ea5p t\u00edn d\u1ee5ng c\u1ee7a ng\u00e2n h\u00e0ng th\u01b0\u01a1ng m\u1ea1i \u0111\u1ec3 \u0111\u1ea7u t\u01b0, kinh doanh c\u1ed5 phi\u1ebfu kh\u00f4ng \u0111\u01b0\u1ee3c v\u01b0\u1ee3t qu\u00e1 5% v\u1ed1n \u0111i\u1ec1u l\u1ec7. Nh\u01b0 v\u1eady, tuy tr\u01b0\u1edbc \u0111\u00e2y gi\u1edbi h\u1ea1n l\u00e0 ch\u1ee9ng kho\u00e1n, nay ch\u1ec9 t\u00ednh c\u1ed5 phi\u1ebfu, nh\u01b0ng v\u1eabn th\u1ea5y r\u00f5 theo h\u01b0\u1edbng th\u1eaft ch\u1eb7t h\u01a1n \u0111\u1ed1i v\u1edbi l\u0129nh v\u1ef1c n\u00e0y.<\/p>\n<p>Ho\u1eb7c tr\u01b0\u1edbc kia c\u00f2n tranh c\u00e3i v\u1ec1 gi\u1edbi h\u1ea1n 15% t\u1ed5ng m\u1ee9c d\u01b0 n\u1ee3 c\u1ea5p t\u00edn d\u1ee5ng \u0111\u1ed1i v\u1edbi m\u1ed9t kh\u00e1ch h\u00e0ng theo quy \u0111\u1ecbnh c\u1ee7a Lu\u1eadt C\u00e1c t\u1ed5 ch\u1ee9c t\u00edn d\u1ee5ng c\u00f3 hay kh\u00f4ng bao g\u1ed3m s\u1ed1 d\u01b0 chi\u1ebft kh\u1ea5u, bao thanh to\u00e1n,\u2026 th\u00ec nay \u0111\u00e3 b\u1ecb t\u00ednh g\u1ed9p to\u00e0n b\u1ed9. \u0110i\u1ec1u n\u00e0y l\u00e0 s\u1ef1 thay \u0111\u1ed5i r\u1ea5t l\u1edbn so v\u1edbi m\u1ed9t th\u1eddi gian d\u00e0i c\u00f3 nh\u1eefng gi\u1edbi h\u1ea1n kh\u00e1c nhau \u0111\u1ed1i v\u1edbi d\u01b0 n\u1ee3 cho vay v\u00e0 c\u00e1c s\u1ed1 d\u01b0 kh\u00e1c. V\u00ed d\u1ee5 m\u1ed9t lo\u1ea1t quy \u0111\u1ecbnh tr\u01b0\u1edbc kia \u0111\u01b0\u1ee3c hi\u1ec3u r\u1eb1ng: D\u01b0 n\u1ee3 cho vay kh\u00f4ng qu\u00e1 15%, s\u1ed1 d\u01b0 b\u1ea3o l\u00e3nh kh\u00f4ng qu\u00e1 15%, g\u1ed9p c\u1ea3 hai kho\u1ea3n n\u00e0y th\u00ec kh\u00f4ng qu\u00e1 25%. Bao gi\u1edd s\u1ed1 d\u01b0 b\u1ea3o l\u00e3nh chuy\u1ec3n th\u00e0nh d\u01b0 n\u1ee3 cho vay, th\u00ec s\u1ebd d\u1ed3n v\u1ec1 m\u1ee9c cho vay, b\u1ea3o l\u00e3nh kh\u00f4ng qu\u00e1 15%.<\/p>\n<p>B\u00ean c\u1ea1nh \u0111\u00f3, th\u00ec s\u1ed1 d\u01b0 chi\u1ebft kh\u1ea5u v\u1eabn \u0111\u01b0\u1ee3c t\u00ednh ri\u00eang th\u00eam 15% n\u1eefa. V\u00e0 s\u1ed1 d\u01b0 bao thanh to\u00e1n l\u1ea1i \u0111\u01b0\u1ee3c t\u00ednh th\u00eam 15% n\u1eefa. Nh\u01b0 v\u1eady t\u1ed5ng c\u1ed9ng gi\u1edbi h\u1ea1n s\u1ed1 d\u01b0 \u0111\u1ed1i v\u1edbi m\u1ed9t kh\u00e1ch h\u00e0ng, th\u1eddi k\u1ef3 cao nh\u1ea5t th\u00ec c\u00f3 th\u1ec3 l\u00ean d\u1ebfn 55% [(15% + 10%) + 15% + 15%].<\/p>\n<p>Ri\u00eang vi\u1ec7c mua tr\u00e1i phi\u1ebfu doanh nghi\u1ec7p, kh\u00f4ng ph\u1ea3i l\u00e0 m\u1ed9t h\u00ecnh th\u1ee9c c\u1ea5p t\u00edn d\u1ee5ng, nh\u01b0ng Lu\u1eadt C\u00e1c t\u1ed5 ch\u1ee9c t\u00edn d\u1ee5ng \u0111\u00e3 x\u00e1c \u0111\u1ecbnh s\u1ed1 d\u01b0 mua tr\u00e1i phi\u1ebfu c\u0169ng \u0111\u01b0\u1ee3c t\u00ednh v\u00e0o d\u01b0 n\u1ee3 c\u1ea5p t\u00edn d\u1ee5ng (tr\u01b0\u1edbc \u0111\u00f3, th\u00ec kh\u00f4ng b\u1ecb t\u00ednh v\u00e0o gi\u1edbi h\u1ea1n t\u00edn d\u1ee5ng).<\/p>\n<p>D\u01b0 n\u1ee3 v\u00e0 s\u1ed1 d\u01b0 l\u00e0 hai kh\u00e1i ni\u1ec7m kinh t\u1ebf v\u00e0 ph\u00e1p l\u00fd kh\u00e1c nhau. D\u01b0 n\u1ee3 c\u0169ng l\u00e0 s\u1ed1 d\u01b0, nh\u01b0ng s\u1ed1 d\u01b0 th\u00ec kh\u00f4ng ph\u1ea3i l\u00e0 d\u01b0 n\u1ee3. N\u1ebfu theo \u0111\u00fang ng\u1eef ngh\u0129a c\u1ee7a c\u1ee5m t\u1eeb \u201cT\u1ed5ng m\u1ee9c d\u01b0 n\u1ee3 c\u1ea5p t\u00edn d\u1ee5ng\u201d \u0111\u1ed1i v\u1edbi m\u1ed7i kh\u00e1ch h\u00e0ng kh\u00f4ng qu\u00e1 15%, \u0111\u00e3 \u0111\u01b0\u1ee3c quy \u0111\u1ecbnh trong Lu\u1eadt C\u00e1c T\u1ed5 ch\u1ee9c t\u00edn d\u1ee5ng, th\u00ec \u0111\u00fang ra, \u0111\u00f3 ch\u1ec9 c\u00f3 th\u1ec3 l\u00e0 d\u01b0 n\u1ee3 cho vay v\u00e0 d\u01b0 n\u1ee3 \u0111\u00e3 chuy\u1ec3n t\u1eeb s\u1ed1 d\u01b0 b\u1ea3o l\u00e3nh th\u00e0nh cho vay, m\u00e0 kh\u00f4ng bao g\u1ed3m s\u1ed1 d\u01b0 b\u1ea3o l\u00e3nh, s\u1ed1 d\u01b0 chi\u1ebft kh\u1ea5u v\u00e0 s\u1ed1 d\u01b0 bao thanh to\u00e1n.<\/p>\n<p>Tuy nhi\u00ean Th\u00f4ng t\u01b0 n\u00e0y \u0111\u00e3 d\u1ed3n t\u1ea5t c\u1ea3 c\u00e1c s\u1ed1 d\u01b0 th\u00e0nh d\u01b0 n\u1ee3 v\u00e0 do v\u1eady, gi\u1edbi h\u1ea1n c\u1ea5p t\u00edn d\u1ee5ng \u0111\u00e3 ch\u00ednh th\u1ee9c b\u1ecb gi\u1ea3m t\u1eeb 55% xu\u1ed1ng c\u00f2n 15% \u0111\u1ed1i v\u1edbi m\u1ed7i kh\u00e1ch h\u00e0ng. \u0110i\u1ec1u \u0111\u00f3 c\u00f3 ngh\u0129a l\u00e0, gi\u1edbi h\u1ea1n to\u00e0n b\u1ed9 d\u01b0 n\u1ee3 c\u1ea5p t\u00edn d\u1ee5ng (cho vay, b\u1ea3o l\u00e3nh, chi\u1ebft kh\u1ea5u, bao thanh to\u00e1n v\u00e0 c\u1ea5p t\u00edn d\u1ee5ng kh\u00e1c) c\u0169ng v\u1edbi mua tr\u00e1i phi\u1ebfu doanh nghi\u1ec7p hi\u1ec7n nay c\u1ee7a c\u00e1c ng\u00e2n h\u00e0ng ch\u1ec9 b\u1eb1ng v\u1edbi duy nh\u1ea5t m\u1ed9t gi\u1edbi h\u1ea1n cho vay theo Lu\u1eadt C\u00e1c t\u1ed5 ch\u1ee9c t\u00edn d\u1ee5ng n\u0103m 1997.<\/p>\n<p><em>Xin c\u1ea3m \u01a1n \u00f4ng!<\/em><\/p>\n<p><strong>Kh\u00e1nh Nhi<\/strong>\u00a0(th\u1ef1c hi\u1ec7n)<\/p>\n<p>(H\u1ea1nh L\u1ec7)<\/p>\n<p><strong>\u2014\u2014\u2014\u2014\u2014\u2013<\/strong><\/p>\n<p><strong><em>CafeF (T\u00e0i ch\u00ednh \u2013 Ng\u00e2n h\u00e0ng) 24-11-2014:<\/em><\/strong><\/p>\n<p><em>http:\/\/cafef.vn\/tai-chinh-ngan-hang\/ap-dung-thong-tu-36-nguy-co-mat-can-doi-giua-nguon-von-ngan-han-va-trung-dai-han-qua-lon-2014112415162196313ca34.chn<\/em><\/p>\n<p>(1.277.1.277)","protected":false},"excerpt":{"rendered":"<p>(CFF) &#8211;\u00a0L\u00e2u nay, t\u1ef7 l\u1ec7 30% v\u1eabn kh\u00f4ng th\u1ea5y th\u00f4ng tin b\u1ecb v\u01b0\u1ee3t r\u00e0o, th\u00ec gi\u1edbi h\u1ea1n 60% s\u1ebd qu\u00e1 d\u1ec5 d\u00e0ng \u0111\u1ed1i v\u1edbi c\u00e1c ng\u00e2n h\u00e0ng. Ng\u00e2n h\u00e0ng nh\u00e0 n\u01b0\u1edbc (NHNN) v\u1eeba ch\u00ednh th\u1ee9c ban h\u00e0nh th\u00f4ng t\u01b0 36\/TT-NHNN \u201cQuy \u0111\u1ecbnh c\u00e1c gi\u1edbi h\u1ea1n, t\u1ef7 l\u1ec7 \u0111\u1ea3m b\u1ea3o an to\u00e0n ho\u1ea1t \u0111\u1ed9ng T\u1ed5 ch\u1ee9c [&hellip;]<\/p>\n","protected":false},"author":3,"featured_media":20329,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":""},"categories":[27,26],"tags":[],"class_list":["post-20328","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>603. \u00c1p d\u1ee5ng th\u00f4ng t\u01b0 36: Nguy c\u01a1 m\u1ea5t c\u00e2n \u0111\u1ed1i gi\u1eefa ngu\u1ed3n v\u1ed1n ng\u1eafn h\u1ea1n v\u00e0 trung, d\u00e0i h\u1ea1n qu\u00e1 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\/vi\/603-ap-dung-thong-tu-36-nguy-co-mat-can-doi-giua-nguon-von-ngan-han-va-trung-dai-han-qua-lon\/\" \/>\n<meta property=\"og:locale\" content=\"vi_VN\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"[:vi]603. \u00c1p d\u1ee5ng th\u00f4ng t\u01b0 36: Nguy c\u01a1 m\u1ea5t c\u00e2n \u0111\u1ed1i gi\u1eefa ngu\u1ed3n v\u1ed1n ng\u1eafn h\u1ea1n v\u00e0 trung, d\u00e0i h\u1ea1n qu\u00e1 l\u1edbn[:] - ANVI Law Firm\" \/>\n<meta property=\"og:description\" content=\"(CFF) &#8211;\u00a0L\u00e2u nay, t\u1ef7 l\u1ec7 30% v\u1eabn kh\u00f4ng th\u1ea5y th\u00f4ng tin b\u1ecb v\u01b0\u1ee3t r\u00e0o, th\u00ec gi\u1edbi h\u1ea1n 60% s\u1ebd qu\u00e1 d\u1ec5 d\u00e0ng \u0111\u1ed1i v\u1edbi c\u00e1c ng\u00e2n h\u00e0ng. 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