{"id":20731,"date":"2015-07-23T14:16:22","date_gmt":"2015-07-23T07:16:22","guid":{"rendered":"https:\/\/anvilaw.com\/vi\/?p=20731"},"modified":"2022-05-11T14:44:49","modified_gmt":"2022-05-11T07:44:49","slug":"770-2","status":"publish","type":"post","link":"https:\/\/anvilaw.com\/vi\/770\/","title":{"rendered":"770. H\u1ea1n ch\u1ebf vay d\u01b0\u1edbi 6 t\u1ec9 \u0111\u1ed3ng th\u00ec v\u00f4 l\u00fd qu\u00e1!"},"content":{"rendered":"

(NL\u0110) – Nhi\u1ec1u ng\u00e2n h\u00e0ng \u0111ang t\u1eadp trung ph\u00e1t tri\u1ec3n b\u00e1n l\u1ebb h\u01b0\u1edbng t\u1edbi nh\u00f3m kh\u00e1ch h\u00e0ng c\u00e1 nh\u00e2n. N\u1ebfu c\u01a1 quan qu\u1ea3n l\u00fd h\u1ea1n ch\u1ebf s\u1ed1 ti\u1ec1n vay th\u00ec t\u00edn d\u1ee5ng kh\u00f4ng th\u1ec3 t\u0103ng tr\u01b0\u1edfng, \u1ea3nh h\u01b0\u1edfng \u0111\u1ebfn ph\u00e1t tri\u1ec3n kinh t\u1ebf<\/strong><\/p>\n

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\u201cTh\u1eadt v\u00f4 l\u00fd khi t\u00f4i c\u00f3 s\u1eb5n 10 t\u1ec9 \u0111\u1ed3ng v\u00e0 mu\u1ed1n vay th\u00eam 10 t\u1ec9 \u0111\u1ec3 mua khu \u0111\u1ea5t gi\u00e1 tr\u1ecb 20 t\u1ec9 \u0111\u1ed3ng nh\u01b0ng ng\u00e2n h\u00e0ng (NH) ch\u1ec9 \u0111\u01b0\u1ee3c ph\u00e9p cho vay kh\u00f4ng qu\u00e1 6 t\u1ec9 \u0111\u1ed3ng\u201d – \u00f4ng L\u00e2m Minh Th\u1eafng (ng\u1ee5 qu\u1eadn 5, TP HCM) n\u00f3i nh\u01b0 v\u1eady khi \u0111\u1ec1 c\u1eadp \u0111\u1ebfn d\u1ef1 th\u1ea3o th\u00f4ng t\u01b0 h\u01b0\u1edbng d\u1eabn v\u1ec1 t\u1ec9 l\u1ec7 an to\u00e0n v\u1ed1n \u0111\u1ed1i v\u1edbi NH, \u0111ang \u0111\u01b0\u1ee3c NH Nh\u00e0 n\u01b0\u1edbc \u0111\u01b0a ra l\u1ea5y \u00fd ki\u1ebfn, trong \u0111\u00f3 c\u00f3 quy \u0111\u1ecbnh c\u00e1 nh\u00e2n \u0111\u01b0\u1ee3c vay ti\u1ec1n kh\u00f4ng qu\u00e1 6 t\u1ec9 \u0111\u1ed3ng. Quy \u0111\u1ecbnh n\u00e0y d\u1ef1 ki\u1ebfn \u00e1p d\u1ee5ng t\u1ea1i 10 NH th\u01b0\u01a1ng m\u1ea1i t\u1eeb ng\u00e0y 1-2-2016 v\u00e0 ng\u00e0y 1-2-2019 s\u1ebd m\u1edf r\u1ed9ng \u0111\u1ebfn c\u00e1c NH c\u00f2n l\u1ea1i.<\/p>\n

\u0110\u1ed1i t\u01b0\u1ee3ng \u00e1p d\u1ee5ng l\u00e0 ng\u00e2n h\u00e0ng<\/strong><\/p>\n

T\u1ea1i sao l\u1ea1i h\u1ea1n ch\u1ebf NH cho c\u00e1 nh\u00e2n vay ti\u1ec1n? L\u00e3nh \u0111\u1ea1o NH Nh\u00e0 n\u01b0\u1edbc cho bi\u1ebft quy \u0111\u1ecbnh c\u00e1 nh\u00e2n, h\u1ed9 gia \u0111\u00ecnh, doanh nghi\u1ec7p si\u00eau nh\u1ecf vay kh\u00f4ng qu\u00e1 6 t\u1ec9 \u0111\u1ed3ng ch\u1ec9 \u00e1p d\u1ee5ng \u0111\u1ed1i v\u1edbi c\u00e1c t\u1ed5 ch\u1ee9c t\u00e0i ch\u00ednh vi m\u00f4 – chuy\u00ean cung c\u1ea5p nh\u1eefng kho\u1ea3n vay cho ng\u01b0\u1eddi ngh\u00e8o ho\u1eb7c ho\u1ea1t \u0111\u1ed9ng d\u01b0\u1edbi h\u00ecnh th\u1ee9c c\u00f4ng ty t\u00e0i ch\u00ednh v\u00e0 kh\u00f4ng c\u00f3 ch\u1ee9c n\u0103ng huy \u0111\u1ed9ng v\u1ed1n.<\/p>\n

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\"Kh\u00e1ch<\/em><\/div>\n
Kh\u00e1ch h\u00e0ng giao d\u1ecbch t\u1ea1i Ng\u00e2n h\u00e0ng Vi\u1ec7t Nam Th\u1ecbnh V\u01b0\u1ee3ng \u1ea2nh: T\u1ea5n Th\u1ea1nh<\/em><\/div>\n<\/div>\n

Th\u1ebf nh\u01b0ng, trong d\u1ef1 th\u1ea3o th\u00f4ng t\u01b0 h\u01b0\u1edbng d\u1eabn v\u1ec1 t\u1ec9 l\u1ec7 an to\u00e0n v\u1ed1n \u0111\u1ed1i v\u1edbi NH kh\u00f4ng \u0111\u1ec1 c\u1eadp \u0111\u1ebfn t\u1ed5 ch\u1ee9c t\u00e0i ch\u00ednh vi m\u00f4 m\u00e0 quy \u0111\u1ecbnh \u0111\u1ed1i t\u01b0\u1ee3ng \u00e1p d\u1ee5ng l\u00e0 NH th\u01b0\u01a1ng m\u1ea1i nh\u00e0 n\u01b0\u1edbc, NH th\u01b0\u01a1ng m\u1ea1i c\u1ed5 ph\u1ea7n, NH li\u00ean doanh v\u00e0 NH 100% v\u1ed1n n\u01b0\u1edbc ngo\u00e0i.<\/p>\n

Theo \u00f4ng Nguy\u1ec5n V\u0103n Thu\u1eadn, Tr\u01b0\u1edfng Khoa T\u00e0i ch\u00ednh – NH Tr\u01b0\u1eddng \u0110\u1ea1i h\u1ecdc M\u1edf TP HCM, n\u1ebfu NH Nh\u00e0 n\u01b0\u1edbc n\u00f3i r\u1eb1ng h\u1ea1n m\u1ee9c cho vay 6 t\u1ec9 \u0111\u1ed3ng ch\u1ec9 \u00e1p d\u1ee5ng cho c\u00e1c t\u1ed5 ch\u1ee9c vi m\u00f4 th\u00ec kh\u00f4ng ph\u00f9 h\u1ee3p th\u1ef1c t\u1ebf b\u1edfi c\u00e1c t\u1ed5 ch\u1ee9c n\u00e0y th\u01b0\u1eddng cho ng\u01b0\u1eddi ngh\u00e8o vay t\u1ed1i \u0111a v\u00e0i ch\u1ee5c tri\u1ec7u \u0111\u1ed3ng.<\/p>\n

\u00d4ng Thu\u1eadn cho r\u1eb1ng c\u00f3 th\u1ec3 nhi\u1ec1u n\u0103m tr\u01b0\u1edbc, m\u1ed9t s\u1ed1 c\u00e1 nh\u00e2n l\u00e0 l\u00e3nh \u0111\u1ea1o ho\u1eb7c ng\u01b0\u1eddi c\u00f3 quan h\u1ec7 th\u00e2n thi\u1ebft v\u1edbi NH \u0111\u00e3 vay h\u00e0ng ng\u00e0n t\u1ec9 \u0111\u1ed3ng \u0111\u1ec3 \u0111\u1ea7u t\u01b0 v\u00e0o ch\u1ee9ng kho\u00e1n, b\u1ea5t \u0111\u1ed9ng s\u1ea3n\u2026 d\u1eabn \u0111\u1ebfn m\u1ed9t kho\u1ea3n n\u1ee3 x\u1ea5u kh\u00f4ng bi\u1ebft khi n\u00e0o m\u1edbi gi\u1ea3i quy\u1ebft xong. T\u1eeb \u0111\u00f3, ban so\u1ea1n th\u1ea3o ngh\u0129 \u0111\u1ebfn bi\u1ec7n ph\u00e1p kh\u1ed1ng ch\u1ebf h\u1ea1n m\u1ee9c cho vay kh\u00f4ng qu\u00e1 6 t\u1ec9 \u0111\u1ed3ng \u0111\u1ed1i v\u1edbi c\u00e1c c\u00e1 nh\u00e2n n\u00e0y nh\u1eb1m b\u1ea3o \u0111\u1ea3m an to\u00e0n ho\u1ea1t \u0111\u1ed9ng cho NH v\u00e0 v\u00f4 h\u00ecnh trung kh\u1ed1ng ch\u1ebf lu\u00f4n to\u00e0n b\u1ed9 kh\u00e1ch h\u00e0ng c\u00e1 nh\u00e2n.<\/p>\n

D\u01b0\u1edbi g\u00f3c \u0111\u1ed9 qu\u1ea3n l\u00fd, lu\u1eadt s\u01b0 Tr\u01b0\u01a1ng Thanh \u0110\u1ee9c, Ch\u1ee7 nhi\u1ec7m CLB Ph\u00e1p ch\u1ebf NH (Hi\u1ec7p h\u1ed9i NH Vi\u1ec7t Nam), cho r\u1eb1ng ph\u00e1p lu\u1eadt \u0111\u00e3 c\u00f3 quy \u0111\u1ecbnh kh\u00f4ng v\u00e0 h\u1ea1n ch\u1ebf cho vay \u0111\u1ed1i v\u1edbi th\u00e0nh vi\u00ean h\u1ed9i \u0111\u1ed3ng qu\u1ea3n tr\u1ecb, ban \u0111i\u1ec1u h\u00e0nh v\u00e0 ng\u01b0\u1eddi c\u00f3 li\u00ean quan, c\u00e1c c\u1ed5 \u0111\u00f4ng l\u1edbn\u2026 n\u00ean NH Nh\u00e0 n\u01b0\u1edbc kh\u00f4ng ph\u1ea3i lo vi\u1ec7c vay ti\u1ec1n c\u1ee7a c\u00e1c \u0111\u1ed1i t\u01b0\u1ee3ng n\u00e0y. C\u00f2n c\u00e1c \u0111\u1ed1i t\u01b0\u1ee3ng kh\u00e1c n\u1ebfu ch\u1ee9ng minh \u0111\u01b0\u1ee3c m\u1ee5c \u0111\u00edch s\u1eed d\u1ee5ng v\u1ed1n, n\u0103ng l\u1ef1c tr\u1ea3 n\u1ee3 v\u00e0 c\u00f3 t\u00e0i s\u1ea3n th\u1ebf ch\u1ea5p th\u00ec NH kh\u00f4ng n\u00ean h\u1ea1n ch\u1ebf s\u1ed1 ti\u1ec1n vay.<\/p>\n

R\u00e0o c\u1ea3n t\u0103ng tr\u01b0\u1edfng t\u00edn d\u1ee5ng<\/strong><\/p>\n

C\u01a1 s\u1edf n\u00e0o \u0111\u1ec3 \u0111\u01b0a ra h\u1ea1n m\u1ee9c cho vay \u0111\u1ed1i v\u1edbi c\u00e1 nh\u00e2n? \u00d4ng Thu\u1eadn \u0111\u1eb7t c\u00e2u h\u1ecfi r\u1ed3i ph\u00e2n t\u00edch: Gi\u1ea3 s\u1eed m\u1ed9t c\u00e1 nh\u00e2n c\u00f3 c\u0103n nh\u00e0 gi\u00e1 tr\u1ecb 10 t\u1ec9 \u0111\u1ed3ng l\u00e0m t\u00e0i s\u1ea3n th\u1ebf ch\u1ea5p \u0111\u1ec3 vay 7 t\u1ec9 \u0111\u1ed3ng mua th\u00eam c\u0103n nh\u00e0 th\u1ee9 hai, NH kh\u1ed1ng ch\u1ebf cho vay 6 t\u1ec9 \u0111\u1ed3ng l\u00e0 kh\u00f4ng h\u1ee3p l\u00fd. B\u1edfi ng\u01b0\u1eddi vay \u0111\u00e3 th\u1ec3 hi\u1ec7n \u0111\u00fang m\u1ee5c \u0111\u00edch s\u1eed d\u1ee5ng v\u1ed1n, NH \u0111\u1ecbnh gi\u00e1 t\u00e0i s\u1ea3n l\u1edbn h\u01a1n s\u1ed1 ti\u1ec1n vay, \u0111\u1ed3ng th\u1eddi b\u00ean vay c\u0169ng ch\u1ee9ng minh \u0111\u01b0\u1ee3c ph\u01b0\u01a1ng \u00e1n tr\u1ea3 n\u1ee3. M\u1eb7t kh\u00e1c, c\u00e1c NH \u0111ang t\u1eadp trung ph\u00e1t tri\u1ec3n b\u00e1n l\u1ebb – nh\u1ea5t l\u00e0 m\u1ea3ng cho vay ti\u00eau d\u00f9ng, h\u01b0\u1edbng t\u1edbi nh\u00f3m kh\u00e1ch h\u00e0ng c\u00e1 nh\u00e2n. N\u1ebfu ng\u00e0nh NH h\u1ea1n ch\u1ebf s\u1ed1 ti\u1ec1n vay th\u00ec t\u00edn d\u1ee5ng kh\u00f4ng th\u1ec3 t\u0103ng tr\u01b0\u1edfng, c\u1ea3n tr\u1edf kinh t\u1ebf ph\u00e1t tri\u1ec3n.<\/p>\n

Trong khi \u0111\u00f3, ph\u00f3 t\u1ed5ng gi\u00e1m \u0111\u1ed1c m\u1ed9t NH \u1edf TP HCM cho bi\u1ebft NH c\u1ee7a \u00f4ng \u0111ang c\u00f3 1 tri\u1ec7u kh\u00e1ch h\u00e0ng c\u00e1 nh\u00e2n v\u00e0 n\u1ebfu b\u1ecb kh\u1ed1ng ch\u1ebf cho vay th\u00ec t\u00edn d\u1ee5ng kh\u00f4ng th\u1ec3 t\u0103ng l\u00ean \u0111\u01b0\u1ee3c. \u201cT\u00f4i tin r\u1eb1ng vi\u1ec7c kh\u1ed1ng ch\u1ebf cho vay c\u00e1 nh\u00e2n s\u1ebd \u0111\u01b0\u1ee3c lo\u1ea1i b\u1ecf b\u1edfi tr\u00ean th\u1ecb tr\u01b0\u1eddng qu\u1ed1c t\u1ebf kh\u00f4ng c\u00f3 qu\u1ed1c gia n\u00e0o can thi\u1ec7p v\u00e0o m\u1ed1i quan h\u1ec7 t\u00edn d\u1ee5ng gi\u1eefa c\u00e1 nh\u00e2n v\u1edbi NH v\u1ec1 s\u1ed1 ti\u1ec1n vay. V\u1ea5n \u0111\u1ec1 c\u1ed1t l\u00f5i l\u00e0 ng\u01b0\u1eddi vay mu\u1ed1n vay bao nhi\u00eau ti\u1ec1n v\u00e0 c\u00f3 \u0111\u1ee7 \u0111i\u1ec1u ki\u1ec7n \u0111\u1ec3 NH ch\u1ea5p nh\u1eadn\u201d – v\u1ecb n\u00e0y n\u00f3i<\/p>\n

L\u00e3nh \u0111\u1ea1o m\u1ed9t s\u1ed1 NH kh\u00e1c nh\u1eadn \u0111\u1ecbnh cho vay c\u00e1 nh\u00e2n hi\u1ec7n kh\u00e1 an to\u00e0n b\u1edfi b\u00ean vay c\u00f3 m\u1ee5c \u0111\u00edch s\u1eed d\u1ee5ng v\u1ed1n r\u00f5 r\u00e0ng, c\u00f3 t\u00e0i s\u1ea3n b\u1ea3o \u0111\u1ea3m, ch\u1ee9ng minh \u0111\u01b0\u1ee3c thu nh\u1eadp. Th\u1eadm ch\u00ed, c\u00f3 ng\u01b0\u1eddi vay NH h\u00e0ng ch\u1ee5c t\u1ec9 \u0111\u1ed3ng v\u1edbi ngu\u1ed3n tr\u1ea3 n\u1ee3 t\u1eeb ti\u1ec1n cho thu\u00ea nh\u00e0 h\u00e0ng tr\u0103m tri\u1ec7u \u0111\u1ed3ng\/th\u00e1ng. Tr\u01b0\u1eddng h\u1ee3p NH h\u1ea1n ch\u1ebf s\u1ed1 ti\u1ec1n vay, c\u00f3 l\u1ebd nh\u00f3m kh\u00e1ch h\u00e0ng c\u00e1 nh\u00e2n ph\u1ea3i th\u00e0nh l\u1eadp doanh nghi\u1ec7p m\u1edbi vay \u0111\u01b0\u1ee3c s\u1ed1 ti\u1ec1n nh\u01b0 mong mu\u1ed1n.<\/p>\n

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N\u00ean cho vay theo t\u1ec9 l\u1ec7 nh\u1ea5t \u0111\u1ecbnh<\/strong><\/p>\n

Theo \u00f4ng Nguy\u1ec5n V\u0103n Thu\u1eadn, sau kh\u1ee7ng ho\u1ea3ng t\u00e0i ch\u00ednh n\u0103m 2008, c\u00e1c NH t\u1ea1i M\u1ef9 \u0111\u00e3 thu\u00ea m\u1ed9t s\u1ed1 t\u1ed5 ch\u1ee9c \u0111\u1ed9c l\u1eadp \u0111\u1ecbnh gi\u00e1 l\u1ea1i t\u00e0i s\u1ea3n, r\u1ed3i cho vay theo t\u1ec9 l\u1ec7 nh\u1ea5t \u0111\u1ecbnh. B\u1edfi tr\u01b0\u1edbc \u0111\u00f3, NH t\u1ef1 \u0111\u1ecbnh gi\u00e1 t\u00e0i s\u1ea3n th\u1ebf ch\u1ea5p qu\u00e1 cao so v\u1edbi gi\u00e1 tr\u1ecb th\u1ef1c.<\/p>\n

T\u01b0\u01a1ng t\u1ef1, t\u1ea1i Vi\u1ec7t Nam, v\u1edbi nhi\u1ec1u l\u00fd do kh\u00e1c nhau, t\u00e0i s\u1ea3n l\u00e0 b\u1ea5t \u0111\u1ed9ng s\u1ea3n c\u0169ng \u0111\u01b0\u1ee3c c\u00e1c NH \u0111\u1ecbnh gi\u00e1 \u1edf m\u1ee9c cao kh\u00f4ng t\u01b0\u1edfng. V\u00ec th\u1ebf, \u0111\u1ec3 b\u1ea3o \u0111\u1ea3m an to\u00e0n cho h\u1ec7 th\u1ed1ng, thay v\u00ec kh\u1ed1ng ch\u1ebf m\u1ee9c vay kh\u00f4ng qu\u00e1 6 t\u1ec9 \u0111\u1ed3ng, NH Nh\u00e0 n\u01b0\u1edbc n\u00ean t\u00ednh \u0111\u1ebfn ph\u01b0\u01a1ng \u00e1n ch\u1ec9 cho c\u00e1 nh\u00e2n vay 50%-70% gi\u00e1 tr\u1ecb t\u00e0i s\u1ea3n th\u1ebf ch\u1ea5p.<\/p>\n<\/div>\n

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G\u00d3C NH\u00ccN<\/strong><\/p>\n

Gom h\u1ebft v\u00e0o gi\u1ecf \u0111\u1ec3 si\u1ebft!<\/strong><\/p>\n

Ph\u00e2n kh\u00fac cho vay kh\u00e1ch h\u00e0ng c\u00e1 nh\u00e2n \u1edf c\u00e1c ng\u00e2n h\u00e0ng (NH) th\u01b0\u01a1ng m\u1ea1i \u0111ang t\u0103ng tr\u01b0\u1edfng t\u1ed1t, trong \u0111\u00f3 cho vay mua nh\u00e0 kh\u1edfi s\u1eafc \u0111\u00e3 gi\u00fap c\u00e1c NH th\u01b0\u01a1ng m\u1ea1i c\u00f3 l\u1ee3i nhu\u1eadn kh\u1ea3 quan. \u0110\u00e2y \u0111\u01b0\u1ee3c xem l\u00e0 ph\u00e2n kh\u00fac cho vay \u00edt r\u1ee7i ro b\u1edfi khi kh\u00e1ch h\u00e0ng c\u00f3 t\u00e0i s\u1ea3n b\u1ea3o \u0111\u1ea3m v\u00e0 thu nh\u1eadp \u0111\u1ee7 kh\u1ea3 n\u0103ng tr\u1ea3 n\u1ee3 th\u00ec m\u1edbi \u0111\u01b0\u1ee3c vay.<\/p>\n

D\u1ef1 th\u1ea3o th\u00f4ng t\u01b0 h\u01b0\u1edbng d\u1eabn v\u1ec1 t\u1ec9 l\u1ec7 an to\u00e0n v\u1ed1n \u0111\u1ed1i v\u1edbi c\u00e1c NH th\u01b0\u01a1ng m\u1ea1i, l\u1ea7n \u0111\u1ea7u \u0111\u1ec1 c\u1eadp kh\u00e1i ni\u1ec7m \u201cc\u1ea5p t\u00edn d\u1ee5ng b\u00e1n l\u1ebb\u201d g\u1ed3m ho\u1ea1t \u0111\u1ed9ng cho vay \u0111\u1ed1i v\u1edbi c\u00e1 nh\u00e2n, h\u1ed9 kinh doanh v\u00e0 doanh nghi\u1ec7p (DN) si\u00eau nh\u1ecf. Trong \u0111\u00f3, quy \u0111\u1ecbnh t\u1ed5ng d\u01b0 n\u1ee3 cho vay v\u1edbi nh\u00f3m kh\u00e1ch h\u00e0ng n\u00e0y kh\u00f4ng v\u01b0\u1ee3t qu\u00e1 6 t\u1ec9 \u0111\u1ed3ng v\u00e0 kh\u00f4ng v\u01b0\u1ee3t qu\u00e1 0,2% t\u1ed5ng d\u01b0 n\u1ee3 cho vay b\u00e1n l\u1ebb. V\u00ec v\u1eady, khi quy \u0111\u1ecbnh n\u00e0y \u0111\u01b0\u1ee3c \u00e1p d\u1ee5ng, kh\u00e1ch h\u00e0ng l\u00e0 c\u00e1 nh\u00e2n, DN si\u00eau nh\u1ecf n\u1ebfu c\u00f3 d\u1ef1 \u00e1n kh\u1ea3 thi, ti\u1ec1m n\u0103ng l\u1edbn m\u00e0 t\u1ed5ng v\u1ed1n \u0111\u1ea7u t\u01b0 c\u1ea7n h\u01a1n 6 t\u1ec9 \u0111\u1ed3ng th\u00ec c\u0169ng kh\u00f4ng th\u1ec3 g\u00f5 c\u1eeda NH d\u00f9 h\u1ecd \u0111\u1ee7 \u0111i\u1ec1u ki\u1ec7n \u0111\u1ec3 vay.<\/p>\n

Trong qu\u00e1 kh\u1ee9, c\u00f3 x\u1ea3y ra t\u00ecnh tr\u1ea1ng m\u1ed9t s\u1ed1 DN khi kh\u00f4ng ti\u1ebfp c\u1eadn \u0111\u01b0\u1ee3c v\u1ed1n NH \u0111\u00e3 nh\u1edd ng\u01b0\u1eddi th\u00e2n, th\u1eadm ch\u00ed ch\u1ee7 t\u1ecbch h\u1ed9i \u0111\u1ed3ng qu\u1ea3n tr\u1ecb, t\u1ed5ng gi\u00e1m \u0111\u1ed1c, \u0111\u1ee9ng ra vay theo danh ngh\u0129a c\u00e1 nh\u00e2n h\u00e0ng ch\u1ee5c t\u1ec9 \u0111\u1ed3ng. Nay, NH Nh\u00e0 n\u01b0\u1edbc si\u1ebft l\u1ea1i ho\u1ea1t \u0111\u1ed9ng c\u1ea5p t\u00edn d\u1ee5ng, tr\u00e1nh \u0111\u1ec3 ch\u00ednh s\u00e1ch b\u1ecb l\u1ee3i d\u1ee5ng v\u00e0 ph\u00e1t sinh n\u1ee3 x\u1ea5u l\u00e0 \u0111\u00fang nh\u01b0ng gom h\u1ebft c\u00e1c nh\u00f3m \u0111\u1ed1i t\u01b0\u1ee3ng kh\u00e1ch h\u00e0ng v\u00e0o m\u1ed9t gi\u1ecf \u0111\u1ec3 si\u1ebft th\u00ec c\u00f3 v\u1ebb ch\u01b0a h\u1ee3p l\u00fd.<\/p>\n

Th\u1ef1c t\u1ebf, trong qu\u00e1 tr\u00ecnh th\u1ea9m \u0111\u1ecbnh \u0111\u1ec3 c\u1ea5p t\u00edn d\u1ee5ng, c\u00e1c NH ho\u00e0n to\u00e0n \u0111\u1ee7 kh\u1ea3 n\u0103ng ph\u00e1t hi\u1ec7n \u0111\u1ed1i t\u01b0\u1ee3ng vay v\u1ed1n c\u00f3 s\u1eed d\u1ee5ng \u0111\u00fang m\u1ee5c \u0111\u00edch hay kh\u00f4ng. C\u00f2n n\u1ebfu ng\u01b0\u1eddi c\u1ee7a NH c\u1ed1 t\u00ecnh \u201c\u0111i \u0111\u00eam\u201d ho\u1eb7c \u201cb\u1eaft tay\u201d v\u1edbi kh\u00e1ch h\u00e0ng, d\u00f9 quy \u0111\u1ecbnh tr\u00ean \u0111\u01b0\u1ee3c \u00e1p d\u1ee5ng v\u1eabn r\u1ea5t kh\u00f3 ki\u1ec3m so\u00e1t d\u00f2ng ti\u1ec1n.<\/p>\n

C\u00f3 ng\u01b0\u1eddi cho r\u1eb1ng d\u1ef1 th\u1ea3o tr\u00ean \u0111ang theo t\u01b0 duy l\u1ed1i m\u00f2n, qu\u1ea3n kh\u00f4ng \u0111\u01b0\u1ee3c th\u00ec c\u1ea5m (?!).<\/p>\n

Th\u00e1i Ph\u01b0\u01a1ng<\/strong><\/p>\n

 <\/p>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n

Thy Th\u01a1<\/strong><\/p>\n

——————<\/p>\n

Ng\u01b0\u1eddi lao \u0111\u1ed9ng (Kinh t\u1ebf) 23-7-2015:<\/em><\/strong><\/p>\n

http:\/\/nld.com.vn\/kinh-te\/han-che-muc-vay-6-ti-dong-chua-on-20150723211034317.htm<\/em><\/p>\n

(103\/1.455)<\/em>","protected":false},"excerpt":{"rendered":"

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