{"id":20800,"date":"2016-03-16T14:53:08","date_gmt":"2016-03-16T07:53:08","guid":{"rendered":"https:\/\/anvilaw.com\/vi\/?p=20800"},"modified":"2022-05-11T14:55:40","modified_gmt":"2022-05-11T07:55:40","slug":"1-006-chuyen-gia-phap-luat-kinh-te-siet-tin-dung-bat-dong-san-la-dung-va-khong-anh-huong-den-nen-kinh-te","status":"publish","type":"post","link":"https:\/\/anvilaw.com\/vi\/1-006-chuyen-gia-phap-luat-kinh-te-siet-tin-dung-bat-dong-san-la-dung-va-khong-anh-huong-den-nen-kinh-te\/","title":{"rendered":"1.006. Chuy\u00ean gia ph\u00e1p lu\u1eadt kinh t\u1ebf: \u201cSi\u1ebft\u201d t\u00edn d\u1ee5ng b\u1ea5t \u0111\u1ed9ng s\u1ea3n l\u00e0 \u0111\u00fang v\u00e0 kh\u00f4ng \u1ea3nh h\u01b0\u1edfng \u0111\u1ebfn n\u1ec1n kinh t\u1ebf."},"content":{"rendered":"(PL) \u2013 \u201cVi\u1ec7c c\u00e1c DN b\u1ea5t \u0111\u1ed9ng s\u1ea3n (B\u0110S) \u0111\u1ee9ng ng\u1ed3i kh\u00f4ng y\u00ean khi Ng\u00e2n h\u00e0ng Nh\u00e0 n\u01b0\u1edbc \u0111\u01b0a ra l\u1ea5y \u00fd ki\u1ebfn s\u1eeda \u0111\u1ed5i, b\u1ed5 sung Th\u00f4ng t\u01b0 36 l\u00e0 \u0111i\u1ec1u \u0111\u00e3 \u0111\u01b0\u1ee3c d\u1ef1 b\u00e1o tr\u01b0\u1edbc, b\u1edfi t\u1eeb tr\u01b0\u1edbc t\u1edbi nay, c\u00e1c DN B\u0110S m\u1ed7i khi th\u1ef1c hi\u1ec7n d\u1ef1 \u00e1n ch\u1ee7 y\u1ebfu ch\u1ec9 tr\u00f4ng ch\u1edd v\u00e0o ngu\u1ed3n v\u1ed1n c\u1ee7a ng\u00e2n h\u00e0ng. Kh\u00f4ng nh\u1eefng th\u1ebf, kh\u00f4ng \u00edt DN B\u0110S hi\u1ec7n nay v\u1eabn c\u00f2n ki\u1ec3u t\u01b0 duy \u0111\u1ea7u t\u01b0 theo l\u1ed1i \u201ctay kh\u00f4ng b\u1eaft gi\u1eb7c\u201d. \u0110i\u1ec1u n\u00e0y kh\u00f4ng ch\u1ec9 l\u00e0m \u1ea3nh h\u01b0\u1edfng t\u1edbi th\u1ecb tr\u01b0\u1eddng B\u0110S m\u00e0 ng\u00e2n h\u00e0ng c\u0169ng c\u00f3 nguy c\u01a1 r\u1ee7i ro cao v\u1ec1 n\u1ee3 x\u1ea5u. \u0110\u00e3 \u0111\u1ebfn l\u00fac c\u1ea7n s\u00e0ng l\u1ecdc v\u00e0 lo\u1ea1i b\u1ecf h\u1eb3n nh\u1eefng DN B\u0110S y\u1ebfu k\u00e9m ra kh\u1ecfi th\u1ecb tr\u01b0\u1eddng\u2026\u201d- nhi\u1ec1u chuy\u00ean gia ph\u00e1p lu\u1eadt kinh t\u1ebf \u0111\u00e3 nh\u1eadn \u0111\u1ecbnh nh\u01b0 v\u1eady v\u1edbi Ph\u00f3ng vi\u00ean Ph\u00e1p l\u00fd.<\/strong><\/p>\n

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Chuy\u00ean gia PL kinh t\u1ebf nh\u1eadn \u0111\u1ecbnh \u201c si\u1ebft\u201d t\u00edn d\u1ee5ng B\u0110S kh\u00f4ng l\u00e0m \u1ea3nh h\u01b0\u1edfng \u0111\u1ebfn n\u1ec1n kinh t\u1ebf<\/p>\n

Gi\u1ea3i ph\u00e1p nh\u1eb1m tr\u00e1nh r\u1ee7i ro cho h\u1ec7 th\u1ed1ng ng\u00e2n h\u00e0ng<\/strong><\/p>\n

C\u00f3 l\u1ebd, trong th\u1eddi gian g\u1ea7n \u0111\u00e2y c\u00e2u chuy\u00ean v\u1ec1 t\u00e1i c\u01a1 c\u1ea5u n\u1ec1n kinh t\u1ebf \u0111ang nh\u1eadn \u0111\u01b0\u1ee3c r\u1ea5t nhi\u1ec1u quan t\u00e2m v\u00e0 s\u1ef1 \u0111\u1ed3ng thu\u1eadn t\u1eeb d\u01b0 lu\u1eadn m\u00e0 tr\u1ecdng t\u00e2m c\u1ee7a l\u1ea7n t\u00e1i c\u01a1 c\u1ea5u n\u1ec1n kinh t\u1ebf n\u00e0y ch\u00ednh l\u00e0 t\u00e1i c\u1ea5u l\u1ea1i c\u00e1c t\u1ed5 ch\u1ee9c t\u00edn d\u1ee5ng. B\u1edfi, ai c\u0169ng c\u00f3 th\u1ec3 hi\u1ec3u r\u1eb1ng, h\u1ec7 th\u1ed1ng ng\u00e2n h\u00e0ng \u0111\u01b0\u1ee3c v\u00ed nh\u01b0 m\u1ea1ch m\u00e1u trong c\u01a1 th\u1ec3, v\u00ec v\u1eady, l\u00e0m sao \u0111\u1ec3 gi\u00fap h\u1ec7 th\u1ed1ng ng\u00e2n h\u00e0ng ho\u1ea1t \u0111\u1ed9ng hi\u1ec7u qu\u1ea3 l\u00e0 m\u1ed9t y\u00eau c\u1ea7u c\u1ea5p b\u00e1ch. Ch\u00ednh v\u00ec th\u1ebf, sau \u0111\u1ee3t t\u00e1i c\u01a1 c\u1ea5u v\u1eeba qua, h\u00e0ng lo\u1ea1t c\u00e1c ng\u00e2n h\u00e0ng y\u1ebfu k\u00e9m \u0111\u00e3 b\u1ecb s\u00e1p nh\u1eadp ho\u1eb7c b\u1ecb mua l\u1ea1i v\u1edbi gi\u00e1 0 \u0111\u1ed3ng.<\/p>\n

Tr\u1edf l\u1ea1i c\u00e2u chuy\u1ec7n v\u1ec1 vi\u1ec7c Ng\u00e2n h\u00e0ng Nh\u00e0 n\u01b0\u1edbc \u0111ang l\u1ea5y \u00fd ki\u1ebfn \u0111\u1ec3 s\u1eeda \u0111\u1ed5i, b\u1ed5 sung Th\u00f4ng t\u01b0 36 theo h\u01b0\u1edbng si\u1ebft t\u00edn d\u1ee5ng cho vay trung v\u00e0 d\u00e0i h\u1ea1n \u0111ang thu h\u00fat s\u1ef1 quan t\u00e2m \u0111\u1eb7c bi\u1ec7t c\u1ee7a d\u01b0 lu\u1eadn, gi\u1edbi chuy\u00ean gia v\u00e0 \u0111\u1eb7c bi\u1ec7t l\u00e0 c\u00e1c DN B\u0110S.<\/p>\n

B\u00ecnh lu\u1eadn v\u1ec1 v\u1ea5n \u0111\u1ec1 n\u00e0y, Lu\u1eadt s\u01b0 Tr\u01b0\u01a1ng Thanh \u0110\u1ee9c cho r\u1eb1ng, \u0111\u00e2y l\u00e0 \u0111i\u1ec1u n\u00ean l\u00e0m, b\u1edfi, kh\u00f4ng lo\u1ea1i tr\u1eeb l\u0129nh v\u1ef1c n\u00e0o, n\u1ebfu nh\u1eadn th\u1ea5y s\u1ef1 r\u1ee7i ro cao v\u00e0 c\u00f3 nguy c\u01a1 l\u00e0m gia t\u0103ng n\u1ee3 x\u1ea5u cho h\u1ec7 th\u1ed1ng ng\u00e2n h\u00e0ng th\u00ec vi\u1ec7c si\u1ebft l\u1ea1i l\u00e0 c\u1ea7n thi\u1ebft. Hi\u1ec7n nay, l\u0129nh v\u1ef1c b\u1ea5t \u0111\u1ed9ng s\u1ea3n ch\u1ec9 l\u00e0 m\u1ed9t l\u0129nh v\u1ef1c nh\u1ecf trong c\u01a1 c\u1ea5u c\u1ee7a n\u1ec1n kinh t\u1ebf nh\u01b0ng l\u1ea1i chi\u1ebfm l\u01b0\u1ee3ng l\u1edbn ngu\u1ed3n v\u1ed1n t\u1eeb h\u1ec7 th\u1ed1ng ng\u00e2n h\u00e0ng.<\/em><\/p>\n

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Lu\u1eadt s\u01b0 Tr\u01b0\u01a1ng Thanh \u0110\u1ee9c<\/em><\/p>\n

Lu\u1eadt s\u01b0 \u0110\u1ee9c c\u0169ng n\u00eau ra m\u1ed9t th\u1ef1c t\u1ebf bu\u1ed3n \u1edf n\u01b0\u1edbc ta hi\u1ec7n nay, ngu\u1ed3n v\u1ed1n t\u1ef1 c\u00f3 \u0111\u1ec3 ph\u1ee5c v\u1ee5 \u0111\u1ea7u t\u01b0 c\u00e1c d\u1ef1 \u00e1n c\u1ee7a DN B\u0110S r\u1ea5t \u00edt, kh\u00f4ng mu\u1ed1n n\u00f3i l\u00e0 DN B\u0110S v\u1eabn t\u01b0 duy \u0111\u1ea7u t\u01b0 theo ki\u1ec3u \u201ctay kh\u00f4ng b\u1eaft gi\u1eb7c\u201d v\u00e0 ch\u1ee7 y\u1ebfu ch\u1ec9 bi\u1ebft tr\u00f4ng ch\u1edd v\u00e0o ngu\u1ed3n v\u1ed1n t\u1eeb c\u00e1c ng\u00e2n h\u00e0ng. \u0110i\u1ec1u n\u00e0y, \u0111ang t\u00e1c \u0111\u1ed9ng kh\u00f4ng nh\u1ecf t\u1edbi s\u1ef1 an to\u00e0n c\u1ee7a h\u1ec7 th\u1ed1ng ng\u00e2n h\u00e0ng. Ng\u00e2n h\u00e0ng kh\u00f4ng ch\u1ec9 d\u00e0nh v\u1ed1n cho m\u1ed7i l\u0129nh v\u1ef1c B\u0110S vay m\u00e0 c\u00f2n nhi\u1ec1u l\u0129nh v\u1ef1c kh\u00e1c c\u0169ng c\u1ea7n ngu\u1ed3n v\u1ed1n \u0111\u1ec3 s\u1ea3n xu\u1ea5t, kinh doanh. Ch\u00ednh v\u00ec th\u1ebf, gi\u1ea3m t\u1ef7 l\u1ec7 cho vay trung v\u00e0 d\u00e0i h\u1ea1n l\u00e0 h\u1ee3p l\u00fd. C\u00e1c DN B\u0110S kh\u00f4ng n\u00ean tr\u00f4ng ch\u1edd m\u00e3i v\u00e0o \u201cb\u1ea7u s\u1eefa\u201d c\u1ee7a ng\u00e2n h\u00e0ng m\u00e0 c\u1ea7n huy \u0111\u1ed9ng th\u00eam nhi\u1ec1u k\u00eanh kh\u00e1c nh\u01b0: Th\u1ecb tr\u01b0\u1eddng ch\u1ee9ng kho\u00e1n, ph\u00e1t h\u00e0nh tr\u00e1i phi\u1ebfu\u2026<\/em><\/p>\n

\u0110\u1ed3ng t\u00ecnh v\u1edbi quan \u0111i\u1ec3m c\u1ee7a Lu\u1eadt s\u01b0 Tr\u01b0\u01a1ng Thanh \u0110\u1ee9c, nh\u01b0ng Th\u1ea1c s\u1ef9, Lu\u1eadt s\u01b0 L\u00ea V\u0103n Trung, C\u00f4ng ty Lu\u1eadt h\u1ee3p danh \u0110\u00f4ng Nam \u00c1 ph\u00e2n t\u00edch th\u00eam, Tr\u01b0\u1edbc h\u1ebft ta c\u1ea7n xem x\u00e9t \u0111\u1ebfn nh\u1eefng \u0111\u1ed1i t\u01b0\u1ee3ng b\u1ecb t\u00e1c \u0111\u1ed9ng t\u1eeb s\u1ef1 s\u1eeda \u0111\u1ed5i Th\u00f4ng t\u01b0 n\u00e0y, tr\u01b0\u1edbc h\u1ebft ph\u1ea3i k\u1ec3 \u0111\u1ebfn l\u00e0 Ng\u00e2n h\u00e0ng th\u01b0\u01a1ng m\u1ea1i, chi nh\u00e1nh ng\u00e2n h\u00e0ng n\u01b0\u1edbc ngo\u00e0i b\u1edfi h\u1ecd l\u00e0 \u0111\u1ed1i t\u01b0\u1ee3ng b\u1ecb \u0111i\u1ec1u ch\u1ec9nh tr\u1ef1c ti\u1ebfp. Sau c\u00e1c t\u1ed5 ch\u1ee9c t\u00edn d\u1ee5ng tr\u00ean l\u00e0 c\u00e1c ch\u1ee7 \u0111\u1ea7u t\u01b0 vay ti\u1ec1n t\u1eeb t\u1ed5 ch\u1ee9c t\u00edn d\u1ee5ng \u0111\u1ec3 kinh doanh tr\u00ean c\u00e1c th\u1ecb tr\u01b0\u1eddng \u0111\u1eb7c bi\u1ec7t l\u00e0 th\u1ecb tr\u01b0\u1eddng b\u1ea5t \u0111\u1ed9ng s\u1ea3n. Cu\u1ed1i c\u00f9ng l\u00e0 nh\u1eefng ng\u01b0\u1eddi \u0111\u01b0\u1ee3c h\u01b0\u1edfng l\u1ee3i t\u1eeb ch\u00ednh s\u00e1ch tr\u01b0\u1edbc \u0111\u00e2y v\u00e0 \u0111\u1eb7c bi\u1ec7t l\u00e0 nh\u1eefng ng\u01b0\u1eddi \u0111\u1ea7u t\u01b0 \u0111\u1ec3 mua b\u1ea5t \u0111\u1ed9ng s\u1ea3n v\u00e0 Th\u00f4ng t\u01b0 \u0111\u00e3 \u0111i\u1ec1u ch\u1ec9nh.<\/p>\n

\u0110\u1ed1i v\u1edbi Ng\u00e2n h\u00e0ng th\u01b0\u01a1ng m\u1ea1i, chi nh\u00e1nh ng\u00e2n h\u00e0ng n\u01b0\u1edbc ngo\u00e0i th\u00ec \u0111\u00e2y l\u00e0 \u0111i\u1ec1u ki\u1ec7n si\u1ebft ch\u1eb7t hay b\u00f3 h\u1eb9p l\u1ea1i gi\u1edbi h\u1ea1n vay. Trong l\u00e0m kinh doanh, khi \u0111\u00e3 c\u00f3 ch\u00ednh s\u00e1ch si\u1ebft ch\u1eb7t, h\u1ea1n ch\u1ebf kinh doanh th\u00ec c\u00f3 ngh\u0129a l\u00e0 \u0111\u1ed1i t\u01b0\u1ee3ng \u0111\u00f3 s\u1ebd kh\u00f4ng c\u00f3 l\u1ee3i. Ngu\u1ed3n v\u1ed1n ng\u1eafn h\u1ea1n \u0111\u1ec3 cho vay trung h\u1ea1n v\u00e0 d\u00e0i h\u1ea1n \u0111\u01b0\u1ee3c \u0111i\u1ec1u ch\u1ec9nh t\u1eeb 60% xu\u1ed1ng c\u00f2n 40% l\u00e0 m\u1ed9t s\u1ef1 h\u1ea1n ch\u1ebf, si\u1ebft ch\u1eb7t r\u1ea5t l\u1edbn. Ng\u00e2n h\u00e0ng th\u01b0\u01a1ng m\u1ea1i, chi nh\u00e1nh ng\u00e2n h\u00e0ng n\u01b0\u1edbc ngo\u00e0i tr\u01b0\u1edbc \u0111\u00e2y \u0111\u01b0\u1ee3c s\u1eed d\u1ee5ng \u0111\u1ed3ng ti\u1ec1n ng\u1eafn h\u1ea1n \u0111\u1ec3 cho vay trung h\u1ea1n v\u00e0 d\u00e0i h\u1ea1n v\u1edbi bi\u00ean \u0111\u1ed9 r\u1ed9ng th\u00ec nay bi\u00ean \u0111\u1ed9 n\u00e0y b\u1ecb b\u00f3 h\u1eb9p l\u1ea1i. V\u00ec b\u1ecb b\u00f3 h\u1eb9p l\u1ea1i n\u00ean h\u1ecd c\u0169ng ph\u1ea3i c\u00f3 ch\u00ednh s\u00e1ch l\u1ef1a ch\u1ecdn \u0111\u1ed1i t\u01b0\u1ee3ng cho vay cho ph\u00f9 h\u1ee3p, \u0111\u1ed1i t\u01b0\u1ee3ng vay \u1edf \u0111\u00e2y ch\u00ednh l\u00e0 c\u00e1c ch\u1ee7 \u0111\u1ea7u t\u01b0 vay ti\u1ec1n \u0111\u1ec3 kinh doanh tr\u00ean th\u1ecb tr\u01b0\u1eddng \u0111\u1eb7c bi\u1ec7t l\u00e0 th\u1ecb tr\u01b0\u1eddng b\u1ea5t \u0111\u1ed9ng s\u1ea3n. Do ch\u00ednh s\u00e1ch si\u1ebft ch\u1eb7t cho vay n\u00e0y m\u00e0 ch\u1ec9 c\u00f3 nh\u1eefng nh\u00e0 \u0111\u1ea7u t\u01b0 c\u00f3 n\u0103ng l\u1ef1c th\u1ef1c s\u1ef1 m\u1edbi c\u00f3 kh\u1ea3 n\u0103ng ti\u1ebfp c\u1eadn ngu\u1ed3n v\u1ed1n vay t\u1eeb t\u1ed5 ch\u1ee9c t\u00edn d\u1ee5ng, c\u00f2n nh\u1eefng nh\u00e0 \u0111\u1ea7u t\u01b0 \u201cy\u1ebfu k\u00e9m\u201d s\u1ebd b\u1ecb g\u1ea1t ra trong v\u1ea5n \u0111\u1ec1 ti\u1ebfp x\u00fac v\u1edbi ngu\u1ed3n v\u1ed1n vay. Nh\u01b0 th\u1ebf m\u1ed9t s\u1ed1 nh\u00e0 \u0111\u1ea7u t\u01b0 s\u1ebd kh\u00f4ng \u0111\u01b0\u1ee3c ti\u1ebfp c\u1eadn ngu\u1ed3n v\u1ed1n vay. M\u1ed9t khi s\u1ed1 nh\u00e0 \u0111\u1ea7u t\u01b0 \u0111\u1ec3 kinh doanh tr\u00ean th\u1ecb tr\u01b0\u1eddng, \u0111\u1eb7c bi\u1ec7t l\u00e0 th\u1ecb tr\u01b0\u1eddng b\u1ea5t \u0111\u1ed9ng s\u1ea3n, gi\u1ea3m xu\u1ed1ng th\u00ec hi\u1ec3n nhi\u00ean nhi\u00ean l\u01b0\u1ee3ng h\u00e0ng h\u00f3a, s\u1ea3n ph\u1ea9m c\u0169ng s\u1ebd k\u00e9o theo gi\u1ea3m theo. Ngu\u1ed3n cung s\u1ea3n ph\u1ea9m ra th\u1ecb tr\u01b0\u1eddng gi\u1ea3m th\u00ec \u0111i\u1ec1u n\u00e0y s\u1ebd t\u00e1c \u0111\u1ed9ng nhi\u1ec1u \u0111\u1ebfn ng\u01b0\u1eddi s\u1eed d\u1ee5ng s\u1ea3n ph\u1ea9m, c\u1ee5 th\u1ec3 l\u00e0 nh\u1eefng ng\u01b0\u1eddi \u0111\u1ea7u t\u01b0 \u0111\u1ec3 mua b\u1ea5t \u0111\u1ed9ng s\u1ea3n.<\/p>\n

N\u1ebfu nh\u00ecn \u1edf con s\u1ed1 th\u00ec ta th\u1ea5y \u0111\u00e2y l\u00e0 m\u1ed9t s\u1ef1 t\u0103ng gi\u1ea3m ngu\u1ed3n v\u1ed1n ng\u1eafn h\u1ea1n \u0111\u1ec3 cho vay trung h\u1ea1n v\u00e0 d\u00e0i h\u1ea1n, nh\u01b0ng nh\u00ecn xa h\u01a1n th\u00ec \u0111\u00e2y l\u00e0 m\u1ed9t ch\u00ednh s\u00e1ch v\u00e0 chi ti\u1ebft h\u01a1n l\u00e0 ch\u00ednh s\u00e1ch n\u00e0y s\u1ebd t\u00e1c \u0111\u1ed9ng \u0111\u1ed1i v\u1edbi \u0111\u1ea7u t\u01b0 b\u1ea5t \u0111\u1ed9ng s\u1ea3n \u1edf th\u1eddi \u0111i\u1ec3m hi\u1ec7n nay.<\/p>\n

Thanh l\u1ecdc DN B\u0110S y\u1ebfu k\u00e9m?<\/strong><\/p>\n

Khi Th\u00f4ng t\u01b0 36 \u0111\u01b0\u1ee3c \u0111\u01b0a ra l\u1ea5y \u00fd ki\u1ebfn, kh\u00f4ng \u00edt ng\u01b0\u1eddi cho r\u1eb1ng, m\u1ee5c \u0111\u00edch ch\u00ednh l\u00e0 nh\u1eb1m thanh l\u1ecdc nh\u1eefng DN B\u0110S y\u1ebfu k\u00e9m ra kh\u1ecfi th\u1ecb tr\u01b0\u1eddng \u0111\u1ec3 l\u00e0m l\u00e0nh m\u1ea1nh h\u00f3a th\u1ecb tr\u01b0\u1eddng B\u0110S \u0111ang c\u00f3 v\u1ebb \u201cb\u00e1t nh\u00e1o\u201d hi\u1ec7n nay.
\nTh\u1ea1c s\u1ef9 L\u00ea V\u0103n Trung cho r\u1eb1ng, \u0111\u00e2y l\u00e0 \u0111i\u1ec1u ho\u00e0n to\u00e0n c\u00f3 l\u00fd v\u00e0 trong \u0111\u1ee3t si\u1ebft t\u00edn d\u1ee5ng l\u1ea7n n\u00e0y ch\u00ednh l\u00e0 nh\u1eb1m l\u00e0nh m\u1ea1nh h\u00f3a l\u0129nh v\u1ef1c B\u0110S. D\u1ef1 th\u1ea3o th\u00f4ng t\u01b0 s\u1eeda \u0111\u1ed5i l\u1ea7n n\u00e0y kh\u00f4ng ch\u1ec9 c\u00f3 t\u00e1c \u0111\u1ed9ng tr\u1ef1c ti\u1ebfp l\u00ean Ng\u00e2n h\u00e0ng th\u01b0\u01a1ng m\u1ea1i, chi nh\u00e1nh ng\u00e2n h\u00e0ng n\u01b0\u1edbc ngo\u00e0i hi\u1ec7n \u0111ang kinh doanh tr\u00ean th\u1ecb tr\u01b0\u1eddng Vi\u1ec7t Nam m\u00e0 c\u00f2n nh\u1eb1m thanh l\u1ecdc nh\u1eefng doanh nghi\u1ec7p ho\u1ea1t \u0111\u1ed9ng y\u1ebfu k\u00e9m ra kh\u1ecfi th\u1ecb tr\u01b0\u1eddng B\u0110S. C\u00f3 th\u1ec3 n\u00f3i, sau cu\u1ed9c thanh l\u1ecdc \u0111\u1ed1i v\u1edbi c\u00e1c t\u1ed5 ch\u1ee9c t\u00edn d\u1ee5ng y\u1ebfu k\u00e9m tr\u00ean th\u1ecb tr\u01b0\u1eddng th\u00ec v\u0103n b\u1ea3n n\u00e0y ti\u1ebfp t\u1ee5c l\u00e0 s\u1ef1 thanh l\u1ecdc m\u1ea1nh m\u1ebd trong m\u00f4i tr\u01b0\u1eddng \u0111\u1ea7u t\u01b0 B\u0110S \u0111\u1ec3 tr\u00e1nh nh\u1eefng r\u1ee7i ro cho ng\u01b0\u1eddi d\u00e2n c\u00f3 nhu c\u1ea7u mua nh\u00e0. D\u1ef1 th\u1ea3o s\u1eeda \u0111\u1ed5i Th\u00f4ng 36 cho th\u1ea5y m\u1ed9t c\u01a1 ch\u1ebf qu\u1ea3n l\u00fd v\u00e0 ch\u00ednh s\u00e1ch c\u1ee7a nh\u00e0 n\u01b0\u1edbc \u0111\u1ed1i v\u1edbi t\u1ed5 ch\u1ee9c t\u00edn d\u1ee5ng, doanh nghi\u1ec7p v\u1ec1 \u0111\u1ea7u t\u01b0 kinh doanh trong l\u0129nh v\u1ef1c B\u0110S trong th\u1eddi gian t\u1edbi\u201d, Th\u1ea1c s\u1ef9 L\u00ea V\u0103n Trung n\u00f3i.<\/p>\n

Tuy nhi\u00ean, khi \u0111\u1ec1 c\u1eadp t\u1edbi v\u1ea5n \u0111\u1ec1 n\u00e0y th\u00ec Lu\u1eadt s\u01b0 Tr\u01b0\u01a1ng Thanh \u0110\u1ee9c l\u1ea1i c\u00f3 c\u00e1ch nh\u00ecn kh\u00e1c, Lu\u1eadt s\u01b0 \u0110\u1ee9c cho r\u1eb1ng, kh\u00f4ng ri\u00eang g\u00ec l\u0129nh v\u1ef1c B\u0110S, n\u1ebfu l\u0129nh v\u1ef1c n\u00e0o l\u1ed9 ra nhi\u1ec1u y\u1ebfu k\u00e9m th\u00ec vi\u1ec7c si\u1ebft ch\u1eb7t \u0111\u1ed1i v\u1edbi l\u0129nh v\u1ef1c \u0111\u00f3 l\u00e0 \u0111\u1ec1u n\u00ean l\u00e0m nh\u1eb1m tr\u00e1nh \u0111\u1ed5 v\u1ee1. Ngay c\u1ea3 \u0111\u1ed1i v\u1edbi h\u1ec7 th\u1ed1ng ng\u00e2n h\u00e0ng c\u0169ng v\u1eady. B\u1edfi, \u0111\u00e3 l\u00e0 n\u1ec1n kinh t\u1ebf th\u1ecb tr\u01b0\u1eddng th\u00ec ph\u1ea3i \u0111\u1ec3 th\u1ecb tr\u01b0\u1eddng quy\u1ebft \u0111\u1ecbnh, \u0111\u1ec3 th\u1ecb tr\u01b0\u1eddng s\u00e0ng l\u1ecdc. C\u00f2n nh\u00e0 n\u01b0\u1edbc ch\u1ec9 qu\u1ea3n l\u00fd v\u00e0 \u0111i\u1ec1u h\u00e0nh \u1edf t\u1ea7m v\u0129 m\u00f4 m\u00e0 th\u00f4i.<\/em><\/p>\n

Tuy nhi\u00ean, m\u1ed9t v\u1ea5n \u0111\u1ec1 khi\u1ebfn Lu\u1eadt s\u01b0 Tr\u01b0\u01a1ng Thanh \u0110\u1ee9c b\u0103n kho\u0103n, trong l\u1ea7n s\u1eeda \u0111\u1ed5i Th\u00f4ng t\u01b0 36 n\u00e0y, m\u1ee9c \u0111i\u1ec1u ch\u1ec9nh trong d\u1ef1 th\u1ea3o v\u00e0 kho\u1ea3ng c\u00e1ch gi\u1eefa hai l\u1ea7n \u0111i\u1ec1u ch\u1ec9nh ch\u00ednh s\u00e1ch qu\u00e1 g\u1ea7n nhau, g\u00e2y gi\u1eadt c\u1ee5c cho th\u1ecb tr\u01b0\u1eddng. B\u00ean c\u1ea1nh \u0111\u00f3, h\u1ec7 s\u1ed1 r\u1ee7i ro trong cho vay B\u0110S \u1edf m\u1ee9c 150% m\u1edbi ch\u1ec9 \u0111\u01b0\u1ee3c \u0111\u01b0\u1ee3c \u0111i\u1ec1u ch\u1ec9nh c\u00e1ch \u0111\u00e2y h\u01a1n 1 n\u0103m, nay th\u1ecb tr\u01b0\u1eddng b\u1ea5t \u0111\u1ed9ng s\u1ea3n m\u1edbi tho\u00e1t kh\u1ecfi \u0111\u00f3ng b\u0103ng ch\u01b0a l\u00e2u th\u00ec \u0111\u00e3 \u0111\u1ed9t ng\u1ed9t d\u1ef1 ki\u1ebfn t\u0103ng l\u00ean 250%, m\u1ee9c \u0111\u1ed9 bi\u1ebfn \u0111\u1ed9ng l\u00e0 h\u01a1i nhi\u1ec1u v\u00e0 qu\u00e1 nhanh. V\u00ec sao kh\u00f4ng ph\u1ea3i l\u00e0 200 m\u00e0 l\u00e0 250? Tr\u01b0\u1edbc \u0111\u00e2y, h\u1ec7 s\u1ed1 r\u1ee7i ro \u0111\u1ed1i v\u1edbi cho vay kinh doanh B\u0110S \u0111\u00e3 t\u1eebng \u0111\u01b0\u1ee3c quy \u0111\u1ecbnh l\u00e0 100% theo Quy\u1ebft \u0111\u1ecbnh s\u1ed1 457\/2005\/Q\u0110-NHNN. G\u1ea7n 5 n\u0103m sau \u0111\u00f3, n\u00f3 \u0111\u00e3 \u0111\u01b0\u1ee3c t\u0103ng l\u00ean 250% theo Th\u00f4ng t\u01b0 s\u1ed1 13\/2010\/TT-NHNN, r\u1ed3i sau 4 n\u0103m l\u1ea1i \u0111\u01b0\u1ee3c gi\u1ea3m xu\u1ed1ng 150% theo Th\u00f4ng t\u01b0 s\u1ed1 36\/2014\/TT-NHNN.<\/em><\/p>\n

Ai s\u1ebd \u0111\u01b0\u1ee3c l\u1ee3i?<\/strong><\/p>\n

N\u1ebfu d\u1ef1 th\u1ea3o s\u1eeda \u0111\u1ed5i Th\u00f4ng t\u01b0 36 c\u00f3 hi\u1ec7u l\u1ef1c, theo Th\u1ea1c s\u1ef9, Lu\u1eadt s\u01b0 L\u00ea V\u0103n Trung ph\u00e2n t\u00edch th\u00ec ng\u01b0\u1eddi \u0111\u01b0\u1ee3c h\u01b0\u1edfng l\u1ee3i nhi\u1ec1u nh\u1ea5t ch\u00ednh l\u00e0 ng\u01b0\u1eddi d\u00e2n th\u1ef1c s\u1ef1 c\u00f3 nhu c\u1ea7u mua nh\u00e0 v\u00e0 c\u00e1c ch\u1ee7 \u0111\u1ea7u t\u01b0 c\u00f3 n\u0103ng l\u1ef1c v\u00e0 t\u00e0i ch\u00ednh h\u00f9ng m\u1ea1nh.<\/p>\n

\u00d4ng Trung l\u00fd gi\u1ea3i: Ng\u01b0\u1eddi \u0111\u1ea7u ti\u1ec1n \u0111\u01b0\u1ee3c h\u01b0\u1edfng l\u1ee3i ch\u00ednh l\u00e0 nh\u1eefng ng\u01b0\u1eddi d\u00e2n c\u00f3 nhu c\u1ea7u mua nh\u00e0. B\u1edfi ch\u00ednh v\u0103n b\u1ea3n n\u00e0y \u0111\u00e3 thanh l\u1ecdc v\u00e0 lo\u1ea1i b\u1ecf nh\u1eefng nh\u00e0 \u0111\u1ea7u t\u01b0 y\u1ebfu k\u00e9m ra kh\u1ecfi th\u1ecb tr\u01b0\u1eddng b\u1ea5t \u0111\u1ed9ng s\u1ea3n, tr\u00e1nh r\u1ee7i ro cho ng\u01b0\u1eddi c\u1ea7n mua nh\u00e0 trong qu\u00e1 tr\u00ecnh mua b\u00e1n, chuy\u1ec3n nh\u01b0\u1ee3ng. Ti\u1ebfp theo \u0111\u00f3 l\u00e0 c\u00e1c nh\u00e0 \u0111\u1ea7u t\u01b0 b\u1ea5t \u0111\u1ed9ng s\u1ea3n th\u1ef1c s\u1ef1 c\u00f3 n\u0103ng l\u1ef1c c\u1ea3 v\u1ec1 con ng\u01b0\u1eddi v\u00e0 t\u00e0i ch\u00ednh. Tr\u01b0\u1edbc h\u1ebft l\u00e0 v\u0103n b\u1ea3n n\u00e0y \u0111\u00e3 thay h\u1ecd lo\u1ea1i b\u1ecf b\u1edbt \u0111\u1ed1i th\u1ee7 c\u1ea1nh tranh tr\u00ean th\u1ecb tr\u01b0\u1eddng, n\u00e2ng cao ni\u1ec1m tin c\u1ee7a ng\u01b0\u1eddi d\u00e2n mua b\u1ea5t \u0111\u1ed9ng s\u1ea3n cho ch\u00ednh h\u1ecd. \u0110\u00e2y l\u00e0 nh\u1eefng doanh nghi\u1ec7p \u0111\u01b0\u1ee3c h\u01b0\u1edfng l\u1ee3i nhi\u1ec1u nh\u1ea5t t\u1eeb v\u0103n b\u1ea3n tr\u00ean, b\u1edfi kh\u00f4ng ch\u1ec9 trong v\u1ea5n \u0111\u1ec1 b\u00e1n s\u1ea3n ph\u1ea9m c\u1ee7a m\u00ecnh m\u00e0 c\u1ea3 trong v\u1ea5n \u0111\u1ec1 ti\u1ebfp c\u1eadn ngu\u1ed3n v\u1ed1n c\u0169ng s\u1ebd d\u1ec5 d\u00e0ng h\u01a1n. V\u00e0 sau n\u1eefa l\u00e0 Ng\u00e2n h\u00e0ng th\u01b0\u01a1ng m\u1ea1i, chi nh\u00e1nh ng\u00e2n h\u00e0ng n\u01b0\u1edbc ngo\u00e0i, nghe qua th\u00ec c\u00f3 v\u1ebb v\u00f4 l\u00fd v\u00ec ch\u00ednh h\u1ecd \u0111ang b\u1ecb si\u1ebft ch\u1eb7t t\u00edn d\u1ee5ng cho vay m\u00e0 l\u1ea1i b\u1ea3o h\u1ecd \u0111\u01b0\u1ee3c h\u01b0\u1edfng l\u1ee3i! N\u1ebfu nh\u00ecn \u1edf m\u1eb7t h\u1ea1n ch\u1ebf kinh doanh th\u00ec h\u1ecd b\u1ea5t l\u1ee3i, nh\u01b0ng v\u0103n b\u1ea3n l\u00e0 c\u0103n c\u1ee9 \u0111\u1ec3 cho ph\u00e9p nh\u1eefng t\u1ed5 ch\u1ee9c t\u00edn d\u1ee5ng n\u00e0y h\u1ea1n ch\u1ebf vi\u1ec7c cho vay \u0111\u1ed1i v\u1edbi nh\u1eefng doanh nghi\u1ec7p y\u1ebfu k\u00e9m, h\u1ea1n ch\u1ebf r\u1ee7i ro cho ch\u00ednh h\u1ecd, mang l\u1ea1i t\u00ednh thanh kho\u1ea3n \u0111\u1ed1i v\u1edbi kho\u1ea3n vay cao. Do \u0111\u00f3, ch\u00ednh c\u00e1c t\u1ed5 ch\u1ee9c t\u00edn d\u1ee5ng c\u0169ng l\u00e0 nh\u1eefng ng\u01b0\u1eddi \u0111\u01b0\u1ee3c h\u01b0\u1edfng l\u1ee3i khi v\u0103n b\u1ea3n n\u00e0y c\u00f3 hi\u1ec7u l\u1ef1c.<\/p>\n

\"\"<\/p>\n

Th\u1ea1c s\u1ef9, Lu\u1eadt s\u01b0 L\u00ea V\u0103n Trung, C\u00f4ng ty Lu\u1eadt H\u1ee3p danh \u0110\u00f4ng Nam \u00c1<\/p>\n

B\u00ean c\u1ea1nh ng\u01b0\u1eddi d\u00e2n v\u00e0 ch\u1ee7 \u0111\u1ea7u t\u01b0 c\u00f3 n\u0103ng l\u1ef1c v\u00e0 t\u00e0i ch\u00ednh h\u00f9ng m\u1ea1nh h\u01b0\u1edfng l\u1ee3i th\u00ec Th\u00f4ng t\u01b0 c\u0169ng s\u1ebd gi\u00fap Ng\u00e2n h\u00e0ng Nh\u00e0 n\u01b0\u1edbc qu\u1ea3n l\u00fd t\u1ed1t h\u01a1n d\u00f2ng t\u00edn d\u1ee5ng nh\u1eb1m gi\u1ea3m thi\u1ebfu t\u1ed1i \u0111a nh\u1eefng rui ro t\u1eeb nguy c\u01a1 bong b\u00f3ng \u0111\u1ecba \u1ed1c nh\u01b0 \u0111\u00e3 t\u1eebng x\u1ea3y ra. V\u1ea5n \u0111\u1ec1 n\u00e0y, theo TS. Nguy\u1ec5n Tr\u00ed Hi\u1ebfu nh\u1eadn \u0111\u1ecbnh, Ng\u00e2n h\u00e0ng Nh\u00e0 n\u01b0\u1edbc c\u1ea7n qu\u1ea3n l\u00fd d\u00f2ng t\u00edn d\u1ee5ng \u0111\u1ec3 gi\u1ea3m thi\u1ec3u nh\u1eefng r\u1ee7i ro t\u1eeb nguy c\u01a1 bong b\u00f3ng \u0111\u1ecba \u1ed1c. Ngo\u00e0i ra, c\u0169ng l\u00e0 \u0111\u1ec3 cho th\u1ecb tr\u01b0\u1eddng t\u00e0i ch\u00ednh l\u00e0nh m\u1ea1nh h\u01a1n. V\u1edbi vi\u1ec7c si\u1ebft l\u1ea1i t\u00edn d\u1ee5ng s\u1ebd bu\u1ed9c c\u00e1c nh\u00e0 kinh doanh \u0111\u1ecba \u1ed1c ph\u1ea3i l\u00e0m nh\u1eefng d\u1ef1 \u00e1n ph\u00f9 h\u1ee3p v\u1edbi nhu c\u1ea7u th\u1ef1c c\u1ee7a d\u00e2n ch\u00fang v\u00e0 c\u00f3 t\u00ednh thanh kho\u1ea3n cao\u201d.<\/p>\n

\u0110\u00e2y l\u00e0 v\u1ea5n \u0111\u1ec1 \u0111\u00e3 t\u1eebng hi\u1ec3n hi\u1ec7n \u1edf th\u1ecb tr\u01b0\u1eddng B\u0110S c\u1ee7a n\u01b0\u1edbc ta nh\u1eefng n\u0103m tr\u01b0\u1edbc, hi\u1ec7n nay, th\u1ef1c t\u1ebf b\u00e0i h\u1ecdc b\u00f3ng b\u00f3ng \u0111\u1ecba \u1ed1c v\u1eabn \u0111ang c\u00f2n n\u00f3ng h\u1ed5i. N\u1ebfu nh\u00ecn b\u00ean ngo\u00e0i th\u00ec hai l\u0129nh v\u1ef1c b\u1ea5t \u0111\u1ed9ng s\u1ea3n v\u00e0 ng\u00e2n h\u00e0ng ho\u00e0n to\u00e0n kh\u00e1c nhau v\u00e0 t\u00e1ch bi\u1ec7t, nh\u01b0ng th\u1ef1c ti\u1ec5n th\u00ec \u0111\u00e2y l\u00e0 hai l\u0129nh v\u1ef1c li\u00ean quan v\u1edbi nhau r\u1ea5t ch\u1eb7t ch\u1ebd. \u0110i\u1ec1u n\u00e0y \u0111\u01b0\u1ee3c th\u1ec3 hi\u1ec7n th\u1ef1c t\u1ebf l\u00e0 sau khi B\u0110S lao d\u1ed1c th\u00ec \u0111\u1ebfn ng\u00e0nh ng\u00e2n h\u00e0ng c\u0169ng lung lay d\u1eef d\u1ed9i, \u0111\u1ec3 tr\u00e1nh \u0111\u1ed5 v\u1ee1 ch\u00fang ta \u0111\u00e3 ph\u1ea3i ti\u1ebfn h\u00e0nh cu\u1ed9c thanh l\u1ecdc b\u1eb1ng c\u00e1ch mua l\u1ea1i \u0111\u1ec3 gi\u1eef v\u1eefng ng\u00e0nh ng\u00e2n h\u00e0ng. \u0110i\u1ec1u n\u00e0y kh\u00f4ng ch\u1ec9 \u1edf Vi\u1ec7t Nam m\u00e0 di\u1ec5n ra \u1edf h\u1ea7u h\u1ebft c\u00e1c n\u01b0\u1edbc tr\u00ean th\u1ebf gi\u1edbi, k\u1ec3 c\u1ea3 c\u00e1c n\u01b0\u1edbc l\u1edbn nh\u01b0 M\u1ef9, Trung Qu\u1ed1c\u2026 c\u0169ng cho th\u1ea5y m\u1ed1i quan h\u1ec7 gi\u1eefa hai l\u0129nh v\u1ef1c n\u00e0y.<\/p>\n

Nh\u1eb1m tr\u00e1nh r\u1ee7i ro cho ng\u00e0nh ng\u00e2n h\u00e0ng trong l\u0129nh v\u1ef1c B\u0110S, Th\u1ea1c s\u1ef9 L\u00ea V\u0103n Trung \u0111\u01b0a ra gi\u1ea3i ph\u00e1p: \u0110\u1ec3 gi\u1ea3m thi\u1ec3u nguy c\u01a1 r\u1ee7i ro v\u1ec1 b\u1ea5t \u0111\u1ed9ng s\u1ea3n c\u1ea7n c\u00f3 m\u1ed9t ch\u00ednh s\u00e1ch t\u00e1c \u0111\u1ed9ng l\u00ean ng\u00e0nh ng\u00e2n h\u00e0ng, ng\u0103n d\u00f2ng ti\u1ec1n t\u1eeb \u0111\u00e2y \u1ed3 \u1ea1t \u0111\u1ed5 v\u00e0o b\u1ea5t \u0111\u1ed9ng s\u1ea3n l\u00e0m cho n\u00f3 ph\u00e1t tri\u1ec3n qu\u00e1 n\u00f3ng v\u00e0 g\u00e2y ra hi\u1ec7n t\u01b0\u1ee3ng bong b\u00f3ng b\u1ea5t \u0111\u1ed9ng s\u1ea3n. Vi\u1ec7c ng\u0103n d\u00f2ng ti\u1ec1n n\u00e0y c\u00f2n c\u00f3 t\u00e1c d\u1ee5ng cho ph\u00e9p c\u00e1c t\u1ed5 ch\u1ee9c t\u00edn d\u1ee5ng cho vay c\u00f3 s\u1ef1 ch\u1ecdn l\u1ecdc \u0111\u1ed1i v\u1edbi nh\u00e0 \u0111\u1ea7u t\u01b0 b\u1ea5t \u0111\u1ed9ng s\u1ea3n v\u00e0 ch\u1ec9 nh\u1eefng nh\u00e0 \u0111\u1ea7u t\u01b0 \u0111\u1ee7 n\u0103ng l\u1ef1c m\u1edbi ti\u1ebfp c\u1eadn \u0111\u01b0\u1ee3c ngu\u1ed3n v\u1ed1n. Ng\u01b0\u1ee3c l\u1ea1i, v\u1ec1 ph\u00eda nh\u00e0 \u0111\u1ea7u t\u01b0 b\u1ea5t \u0111\u1ed9ng s\u1ea3n, do d\u00f2ng v\u1ed1n b\u1ecb h\u1ea1n ch\u1ebf t\u1eeb t\u1ed5 ch\u1ee9c t\u00edn d\u1ee5ng n\u00ean bu\u1ed9c h\u1ecd ph\u1ea3i ch\u1ecdn l\u1ef1a d\u1ef1 \u00e1n \u0111\u1ea7u t\u01b0 sao cho hi\u1ec7u qu\u1ea3, thu l\u1ea1i ph\u1ea7n v\u1ed1n nhanh nh\u1ea5t m\u00e0 kh\u00f4ng d\u00e1m \u0111\u1ea7u t\u01b0 d\u00e0n tr\u1ea3i. S\u1ef1 si\u1ebft ch\u1eb7t t\u00edn d\u1ee5ng n\u00e0y kh\u00f4ng nh\u1eefng v\u00f4 h\u00ecnh chung \u0111\u00e3 t\u1ea1o n\u00ean m\u1ed9t th\u1ecb tr\u01b0\u1eddng t\u00e0i ch\u00ednh minh b\u1ea1ch trong c\u00e1c t\u1ed5 ch\u1ee9c t\u00edn d\u1ee5ng m\u00e0 c\u00f2n ng\u0103n c\u1ea3n s\u1ef1 ph\u00e1t tri\u1ec3n bong b\u00f3ng b\u1ea5t \u0111\u1ed9ng s\u1ea3n, t\u1eeb khi m\u1edbi manh nha h\u00ecnh th\u00e0nh.<\/p>\n

\u201cD\u01b0\u1edbi s\u1ef1 t\u00e1c \u0111\u1ed9ng c\u1ee7a D\u1ef1 th\u1ea3o s\u1eeda \u0111\u1ed5i th\u00f4ng t\u01b0 36 khi c\u00f3 hi\u1ec7u l\u1ef1c th\u00ec s\u1ebd l\u00e0m cho d\u00f2ng t\u00e0i ch\u00ednh \u0111\u1ed5 v\u00e0o l\u0129nh v\u1ef1c b\u1ea5t \u0111\u1ed9ng s\u1ea3n b\u1ecb h\u1ea1n ch\u1ebf, ki\u1ec1m ch\u1ebf s\u1ef1 ph\u00e1t tri\u1ec3n thi\u1ebfu \u1ed5n \u0111\u1ecbnh v\u00e0 n\u00f3ng c\u1ee7a l\u0129nh v\u1ef1c n\u00e0y. C\u00f9ng v\u1edbi \u0111\u00f3, nh\u1eefng nh\u00e0 \u0111\u1ea7u t\u01b0 ki\u1ec3u \u201ctay kh\u00f4ng b\u1eaft gi\u1eb7c\u201d s\u1ebd \u0111\u01b0\u1ee3c h\u1ea1n ch\u1ebf v\u00e0 t\u1eebng b\u01b0\u1edbc lo\u1ea1i b\u1ecf n\u00ean s\u1ef1 r\u1ee7i ro \u0111\u1ed1i v\u1edbi nh\u1eefng ng\u01b0\u1eddi \u0111\u1ea7u t\u01b0 mua nh\u00e0 c\u0169ng s\u1ebd gi\u1ea3m. Khi v\u0103n b\u1ea3n n\u00e0y c\u00f3 hi\u1ec7u l\u1ef1c, m\u1eb7c d\u00f9 n\u00f3 ch\u01b0a c\u00f3 t\u00e1c d\u1ee5ng ngay t\u1ee9c th\u00ec v\u00e0 nh\u00ecn th\u1ea5y ngay \u0111\u01b0\u1ee3c, nh\u01b0ng n\u00f3 s\u1ebd t\u1eebng b\u01b0\u1edbc l\u00e0m th\u1ecb tr\u01b0\u1eddng b\u1ea5t \u0111\u1ed9ng s\u1ea3n tr\u1edf n\u00ean \u1ed5n \u0111\u1ecbnh v\u00e0 minh b\u1ea1ch h\u01a1n. B\u1edfi l\u00fac n\u00e0y tr\u00ean th\u1ecb tr\u01b0\u1eddng b\u1ea5t \u0111\u1ed9ng s\u1ea3n c\u00f2n l\u1ea1i nh\u1eefng nh\u00e0 \u0111\u1ea7u t\u01b0 l\u00e0 nh\u1eefng ng\u01b0\u1eddi c\u00f3 n\u0103ng l\u1ef1c th\u1ef1c s\u1ef1, t\u00f4i \u0111ang \u0111\u1ee3i \u0111i\u1ec1u \u0111\u00f3\u201d, Th\u1ea1c s\u1ef9, Lu\u1eadt s\u01b0 L\u00ea V\u0103n Trung nh\u1eadn \u0111\u1ecbnh.<\/p>\n

V\u0103n Don ( th\u1ef1c hi\u1ec7n)<\/strong><\/p>\n

\n

Ph\u00e1p l\u00fd (Di\u1ec5n \u0111\u00e0n) 16-3-2016:<\/em><\/strong><\/p>\n

http:\/\/phaply.net.vn\/dien-dan\/chuyen-gia-phap-luat-kinh-te-siet-tin-dung-bat-dong-san-la-dung-va-khong-anh-huong-den-nen-kinh-te.html<\/em><\/a><\/p>\n

(531\/2.657)","protected":false},"excerpt":{"rendered":"

(PL) \u2013 \u201cVi\u1ec7c c\u00e1c DN b\u1ea5t \u0111\u1ed9ng s\u1ea3n (B\u0110S) \u0111\u1ee9ng ng\u1ed3i kh\u00f4ng y\u00ean khi Ng\u00e2n h\u00e0ng Nh\u00e0 n\u01b0\u1edbc \u0111\u01b0a ra l\u1ea5y \u00fd ki\u1ebfn s\u1eeda \u0111\u1ed5i, b\u1ed5 sung Th\u00f4ng t\u01b0 36 l\u00e0 \u0111i\u1ec1u \u0111\u00e3 \u0111\u01b0\u1ee3c d\u1ef1 b\u00e1o tr\u01b0\u1edbc, b\u1edfi t\u1eeb tr\u01b0\u1edbc t\u1edbi nay, c\u00e1c DN B\u0110S m\u1ed7i khi th\u1ef1c hi\u1ec7n d\u1ef1 \u00e1n ch\u1ee7 y\u1ebfu ch\u1ec9 tr\u00f4ng […]<\/p>\n","protected":false},"author":7,"featured_media":20802,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":""},"categories":[27,26],"tags":[],"class_list":["post-20800","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-interviews","category-legal-media"],"acf":[],"yoast_head":"\n1.006. Chuy\u00ean gia ph\u00e1p lu\u1eadt kinh t\u1ebf: \u201cSi\u1ebft\u201d t\u00edn d\u1ee5ng b\u1ea5t \u0111\u1ed9ng s\u1ea3n l\u00e0 \u0111\u00fang v\u00e0 kh\u00f4ng \u1ea3nh h\u01b0\u1edfng \u0111\u1ebfn n\u1ec1n kinh t\u1ebf. - 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\/1-006-chuyen-gia-phap-luat-kinh-te-siet-tin-dung-bat-dong-san-la-dung-va-khong-anh-huong-den-nen-kinh-te\/\" \/>\n<meta property=\"og:locale\" content=\"vi_VN\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"[:vi]1.006. 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