{"id":20953,"date":"2015-07-31T12:59:29","date_gmt":"2015-07-31T05:59:29","guid":{"rendered":"https:\/\/anvilaw.com\/vi\/?p=20953"},"modified":"2022-05-12T13:37:19","modified_gmt":"2022-05-12T06:37:19","slug":"788-2","status":"publish","type":"post","link":"https:\/\/anvilaw.com\/vi\/788\/","title":{"rendered":"788. Quy \u0111\u1ecbnh c\u1ee7a ph\u00e1p lu\u1eadt d\u01b0\u1eddng nh\u01b0\u2026 khuy\u1ebfn kh\u00edch “con n\u1ee3” ch\u00e2y \u1ef3?"},"content":{"rendered":"
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(PL) – Kh\u00f4ng nghi ng\u1edd t\u00ednh kh\u1ea3 thi c\u1ee7a m\u1ee5c ti\u00eau \u0111\u01b0a n\u1ee3 x\u1ea5u xu\u1ed1ng 3% v\u00e0o th\u00e1ng 9\/2015 c\u1ee7a Ng\u00e2n h\u00e0ng Nh\u00e0 n\u01b0\u1edbc, nh\u01b0ng nh\u1eefng v\u01b0\u1edbng m\u1eafc trong x\u1eed l\u00fd n\u1ee3 x\u1ea5u d\u01b0\u1eddng nh\u01b0 v\u1eabn c\u00f2n nguy\u00ean.<\/strong><\/div>\n<\/div>\n
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Theo Lu\u1eadt s\u01b0 Tr\u01b0\u01a1ng Thanh \u0110\u1ee9c, vi\u1ec7c c\u00e1c TCTD b\u00e1n n\u1ee3 cho VAMC, v\u1ec1 c\u01a1 b\u1ea3n ch\u1ec9 l\u00e0 m\u1ed9t bi\u1ec7n ph\u00e1p d\u1ed3n kho, \u0111\u00f3ng g\u00f3i, khoanh n\u1ee3; c\u01a1 c\u1ea5u l\u1ea1i kho\u1ea3n n\u1ee3 ch\u1ee7 y\u1ebfu l\u00e0 gia h\u1ea1n n\u1ee3, \u0111i\u1ec1u ch\u1ec9nh k\u1ef3 h\u1ea1n tr\u1ea3 n\u1ee3 v\u00e0 \u0111\u1ea3o n\u1ee3.<\/em><\/div>\n
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(PLO) –\u00a0Kh\u00f4ng nghi ng\u1edd t\u00ednh kh\u1ea3 thi c\u1ee7a m\u1ee5c ti\u00eau \u0111\u01b0a n\u1ee3 x\u1ea5u xu\u1ed1ng 3% v\u00e0o th\u00e1ng 9\/2015 c\u1ee7a Ng\u00e2n h\u00e0ng Nh\u00e0 n\u01b0\u1edbc, nh\u01b0ng nh\u1eefng v\u01b0\u1edbng m\u1eafc trong x\u1eed l\u00fd n\u1ee3 x\u1ea5u d\u01b0\u1eddng nh\u01b0 v\u1eabn c\u00f2n nguy\u00ean.<\/em><\/strong><\/p>\n

Theo Lu\u1eadt s\u01b0 Tr\u01b0\u01a1ng Thanh \u0110\u1ee9c, Ch\u1ee7 nhi\u1ec7m C\u00e2u L\u1ea1c b\u1ed9 Ph\u00e1p ch\u1ebf Ng\u00e2n h\u00e0ng, Gi\u00e1m \u0111\u1ed1c C\u00f4ng ty Lu\u1eadt ANVI, kh\u00f4ng d\u01b0\u1edbi 70% r\u00e0o c\u1ea3n x\u1eed l\u00fd n\u1ee3 x\u1ea5u l\u00e0 do v\u01b0\u1edbng m\u1eafc ph\u00e1p l\u00fd\u2026<\/em><\/p>\n

T\u1eeb\u00a0“lu\u1eadt c\u1edfi”, “lu\u1eadt tr\u00f3i”<\/em><\/strong><\/p>\n

M\u1ed9t trong nh\u1eefng \u201cgi\u1ea3i ph\u00e1p\u201d quan tr\u1ecdng gi\u1ea3m n\u1ee3 x\u1ea5u l\u00e0 c\u00e1c t\u1ed5 ch\u1ee9c t\u00edn d\u1ee5ng (TCTD) b\u00e1n n\u1ee3 cho c\u00e1c Cty Qu\u1ea3n l\u00fd n\u1ee3 v\u00e0 khai th\u00e1c t\u00e0i s\u1ea3n c\u1ee7a c\u00e1c ng\u00e2n h\u00e0ng (AMC) n\u00f3i chung v\u00e0 Cty Qu\u1ea3n l\u00fd t\u00e0i s\u1ea3n c\u1ee7a c\u00e1c TCTD (VAMC) n\u00f3i ri\u00eang.<\/p>\n

Ti\u1ebfng l\u00e0 \u201cb\u00e1n\u201d nh\u01b0ng c\u00e1c TCTD c\u00f3 n\u1ee3 b\u00e1n v\u1eabn ph\u1ea3i tr\u00edch l\u1eadp \u0111\u1ee7 d\u1ef1 ph\u00f2ng, c\u01a1 b\u1ea3n v\u1eabn ph\u1ea3i qu\u1ea3n l\u00fd, x\u1eed l\u00fd n\u1ee3 v\u00e0 ch\u1ecbu tr\u00e1ch nhi\u1ec7m nh\u01b0 ch\u01b0a b\u00e1n n\u1ee3. Nh\u01b0ng khi mu\u1ed1n ra tay x\u1eed l\u00fd th\u1eadt b\u1eb1ng kh\u1edfi ki\u1ec7n th\u00ec To\u00e0 \u00e1n kh\u00f4ng th\u1ee5 l\u00fd ho\u1eb7c kh\u00f4ng ch\u1ea5p nh\u1eadn t\u01b0 c\u00e1ch tham gia t\u1ed1 t\u1ee5ng c\u1ee7a c\u00e1c TCTD v\u1edbi l\u00fd do TCTD \u0111\u00e3 b\u00e1n, chuy\u1ec3n t\u00e0i s\u1ea3n c\u1ee7a m\u00ecnh cho ph\u00e1p nh\u00e2n kh\u00e1c th\u00ec kh\u00f4ng c\u00f2n quy\u1ec1n kh\u1edfi ki\u1ec7n.<\/p>\n

\u201cN\u1ebfu VAMC \u1ee7y quy\u1ec1n cho TCTD kh\u1edfi ki\u1ec7n v\u00e0 tham gia t\u1ed1 t\u1ee5ng th\u00ec ph\u1ea3i v\u1edbi t\u01b0 c\u00e1ch c\u1ee7a VAMC ki\u1ec7n, ch\u1ee9 sao l\u1ea1i s\u1eed d\u1ee5ng t\u01b0 c\u00e1ch c\u1ee7a TCTD? Ch\u01b0a n\u00f3i, h\u1ec7 th\u1ed1ng To\u00e0 \u00e1n c\u00f2n c\u0103n c\u1ee9 v\u00e0o quy \u0111\u1ecbnh kh\u00f4ng r\u00f5 r\u00e0ng c\u1ee7a B\u1ed9 lu\u1eadt D\u00e2n s\u1ef1 n\u0103m 2005 \u0111\u1ec3 g\u1ea1t b\u1ecf r\u1ea5t v\u00f4 l\u00fd: Ph\u00e1p nh\u00e2n n\u00e0y kh\u00f4ng \u0111\u01b0\u1ee3c ph\u00e9p \u1ee7y quy\u1ec1n cho ph\u00e1p nh\u00e2n kh\u00e1c. Th\u1ebf l\u00e0 lu\u1eadt n\u00e0y l\u00e0m h\u1ea1i lu\u1eadt kh\u00e1c. Lu\u1eadt n\u00e0y c\u1edfi, lu\u1eadt kia tr\u00f3i. TCTD ch\u1ec9 c\u00f2n bi\u1ebft ch\u1ecbu tr\u1eadn\u2026\u201d- Lu\u1eadt s\u01b0 \u0110\u1ee9c ph\u00e2n t\u00edch.<\/em><\/p>\n

S\u1ef1 kh\u1eadp khi\u1ec5ng c\u1ee7a ph\u00e1p lu\u1eadt c\u00f2n th\u1ec3 hi\u1ec7n trong quy \u0111\u1ecbnh v\u1ec1 quy\u1ec1n x\u1eed l\u00fd n\u1ee3 c\u1ee7a c\u00e1c TCTD. Theo quy \u0111\u1ecbnh t\u1ea1i \u0110i\u1ec1u 336 v\u1ec1 X\u1eed l\u00fd t\u00e0i s\u1ea3n c\u1ea7m c\u1ed1, \u0110i\u1ec1u 355 v\u1ec1 X\u1eed l\u00fd t\u00e0i s\u1ea3n th\u1ebf ch\u1ea5p, B\u1ed9 lu\u1eadt D\u00e2n s\u1ef1 2005 v\u00e0 Ngh\u1ecb \u0111\u1ecbnh 163\/2006\/N\u0110-CP ng\u00e0y 29\/12\/2006 v\u1ec1 \u201cGiao d\u1ecbch b\u1ea3o \u0111\u1ea3m\u201d (\u0111\u01b0\u1ee3c s\u1eeda \u0111\u1ed5i, b\u1ed5 sung theo Ngh\u1ecb \u0111\u1ecbnh 11\/2012\/N\u0110-CP ng\u00e0y 22\/02\/2012) th\u00ec c\u00e1c TCTD c\u00f3 \u0111\u1ea7y \u0111\u1ee7 quy\u1ec1n h\u1ea1n t\u1ef1 m\u00ecnh v\u00e0 ch\u1ee7 \u0111\u1ed9ng x\u1eed l\u00fd n\u1ee3 n\u1ebfu nh\u01b0 \u0111\u00e3 c\u00f3 tho\u1ea3 thu\u1eadn trong h\u1ee3p \u0111\u1ed3ng b\u1ea3o \u0111\u1ea3m. \u0110\u00f3 l\u00e0: Thu gi\u1eef t\u00e0i s\u1ea3n b\u1ea3o \u0111\u1ea3m; b\u00e1n t\u00e0i s\u1ea3n b\u1ea3o \u0111\u1ea3m; nh\u1eadn ch\u00ednh t\u00e0i s\u1ea3n b\u1ea3o \u0111\u1ea3m \u0111\u1ec3 thay th\u1ebf cho vi\u1ec7c th\u1ef1c hi\u1ec7n ngh\u0129a v\u1ee5 tr\u1ea3 n\u1ee3;\u2026<\/p>\n

Tuy nhi\u00ean, c\u00e1c TCTD h\u1ea7u nh\u01b0 kh\u00f4ng t\u1ef1 th\u1ef1c hi\u1ec7n \u0111\u01b0\u1ee3c quy\u1ec1n n\u00e0y tr\u00ean th\u1ef1c t\u1ebf. B\u1edfi c\u00f3 xung \u0111\u1ed9t ph\u00e1p lu\u1eadt do h\u00e0nh \u0111\u1ed9ng x\u1eed l\u00fd n\u1ee3 li\u00ean quan \u0111\u1ebfn nhi\u1ec1u quy \u0111\u1ecbnh kh\u00e1c v\u1ec1 quy\u1ec1n s\u1edf h\u1eefu t\u00e0i s\u1ea3n, quy\u1ec1n b\u1ea5t kh\u1ea3 x\u00e2m ph\u1ea1m v\u1ec1 ch\u1ed7 \u1edf, quy\u1ec1n l\u1ee3i c\u1ee7a ng\u01b0\u1eddi ti\u00eau d\u00f9ng, h\u00ecnh th\u1ee9c v\u00e0 n\u1ed9i dung h\u1ee3p \u0111\u1ed3ng, th\u1ee7 t\u1ee5c h\u00e0nh ch\u00ednh, tr\u00e1ch nhi\u1ec7m li\u00ean quan \u0111\u1ebfn t\u00e0i s\u1ea3n v\u00e0 giao d\u1ecbch,\u2026 \u0111\u01b0\u1ee3c quy \u0111\u1ecbnh trong Hi\u1ebfn ph\u00e1p, B\u1ed9 lu\u1eadt D\u00e2n s\u1ef1, Lu\u1eadt Nh\u00e0 \u1edf, Lu\u1eadt \u0110\u1ea5t \u0111ai, Lu\u1eadt C\u00f4ng ch\u1ee9ng\u2026<\/p>\n

\u0110\u1ebfn \u201ckhuy\u1ebfn kh\u00edch\u201d\u00a0con n\u1ee3 ch\u00e2y \u1ef3<\/strong><\/p>\n

\u0110\u01b0a \u0111\u01b0\u1ee3c v\u1ee5 ki\u1ec7n ra T\u00f2a \u0111\u00e3 kh\u00f3, c\u00f3 b\u1ea3n \u00e1n r\u1ed3i t\u00ecnh h\u00ecnh c\u0169ng kh\u00f4ng s\u00e1ng s\u1ee7a h\u01a1n khi quy \u0111\u1ecbnh c\u1ee7a ph\u00e1p lu\u1eadt d\u01b0\u1eddng nh\u01b0\u2026 khuy\u1ebfn kh\u00edch con n\u1ee3 ch\u00e2y \u1ef3 (!?). Quy \u0111\u1ecbnh c\u1ee7a ph\u00e1p lu\u1eadt v\u1ec1 l\u00e3i su\u1ea5t ch\u1eadm thi h\u00e0nh \u00e1n l\u00e0 m\u1ed9t v\u00ed d\u1ee5 \u0111i\u1ec3n h\u00ecnh. Ch\u1eb3ng h\u1ea1n, l\u00e3i su\u1ea5t n\u1ee3 vay ng\u00e2n h\u00e0ng trong h\u1ea1n l\u00e0 10%\/n\u0103m th\u00ec l\u00e3i su\u1ea5t qu\u00e1 h\u1ea1n cao nh\u1ea5t l\u00e0 15%\/n\u0103m (theo Kho\u1ea3n 2 \u0110i\u1ec1u 11 v\u1ec1 l\u00e3i su\u1ea5t cho vay, Quy ch\u1ebf cho vay c\u1ee7a TCTD \u0111\u1ed1i v\u1edbi kh\u00e1ch h\u00e0ng, ban h\u00e0nh k\u00e8m theo Quy\u1ebft \u0111\u1ecbnh 1627\/2001\/Q\u0110-NHNN ng\u00e0y 31\/12\/2001 c\u1ee7a Th\u1ed1ng \u0111\u1ed1c NHNN) ho\u1eb7c 19%\/n\u0103m (theo Kho\u1ea3n 5 \u0110i\u1ec1u 474 v\u1ec1 ngh\u0129a v\u1ee5 tr\u1ea3 n\u1ee3 c\u1ee7a b\u00ean vay, B\u1ed9 lu\u1eadt D\u00e2n s\u1ef1 2005).<\/p>\n

Ph\u1ea7n l\u1edbn n\u1ee3 qu\u00e1 h\u1ea1n c\u00f3 ngu\u1ed3n g\u1ed1c t\u1eeb m\u1ed9t s\u1ed1 n\u0103m tr\u01b0\u1edbc, th\u00ec l\u00e3i su\u1ea5t qu\u00e1 h\u1ea1n th\u01b0\u1eddng cao h\u01a1n th\u1ebf, th\u1eadm ch\u00ed l\u00ean \u0111\u1ebfn c\u1ee1 30%\/n\u0103m. Trong khi \u0111\u00f3, n\u1ebfu \u0111\u00e3 ki\u1ec7n ra t\u00f2a th\u00ec sau khi c\u00f3 b\u1ea3n \u00e1n, con n\u1ee3 ph\u1ea3i tr\u1ea3 l\u00e3i su\u1ea5t ch\u1eadm thi h\u00e0nh \u00e1n 9%\/n\u0103m (!?). V\u1eady l\u00e0 l\u00e3i su\u1ea5t n\u00e0y r\u1ebb h\u01a1n c\u1ea3 l\u00e3i su\u1ea5t vay trong h\u1ea1n v\u00e0 t\u1ea5t nhi\u00ean c\u00e0ng th\u1ea5p so v\u1edbi l\u00e3i su\u1ea5t khi b\u1ecb qu\u00e1 h\u1ea1n. H\u1eadu qu\u1ea3 nh\u00e3n ti\u1ec1n c\u1ee7a vi\u1ec7c ch\u1eadm thi h\u00e0nh \u00e1n l\u00e0 \u0111\u01b0\u01a1ng nhi\u00ean, v\u00ec c\u00e0ng ch\u00e2y \u1ef3, tr\u00ec ho\u00e3n th\u00ec c\u00e0ng c\u00f3 l\u1ee3i (so v\u1edbi tr\u01b0\u1edbc khi c\u00f3 b\u1ea3n \u00e1n).<\/p>\n

V\u1ec1 nguy\u00ean t\u1eafc, doanh nghi\u1ec7p (DN) kh\u00f4ng c\u00f2n kh\u1ea3 n\u0103ng tr\u1ea3 n\u1ee3 th\u00ec ph\u1ea3i ph\u00e1 s\u1ea3n. \u0110\u00f3 l\u00e0 m\u1ed9t bi\u1ec7n ph\u00e1p \u0111\u00f2i n\u1ee3, \u0111\u1ed3ng th\u1eddi c\u0169ng l\u00e0 m\u1ed9t h\u00ecnh th\u1ee9c xo\u00e1 n\u1ee3 t\u1eadp th\u1ec3. Tuy nhi\u00ean, \u0111\u1ec3 x\u1eed l\u00fd xong m\u1ed9t v\u1ee5 ph\u00e1 s\u1ea3n DN th\u00ec ph\u1ea3i m\u1ea5t v\u00e0i n\u0103m. Ch\u1ee7 n\u1ee3 c\u00f3 th\u1ec3 \u0111\u1ea1t k\u1ebft qu\u1ea3 t\u01b0\u01a1ng t\u1ef1 nh\u01b0ng \u0111\u01a1n gi\u1ea3n, nhanh g\u1ecdn h\u01a1n nhi\u1ec1u b\u1eb1ng c\u00e1ch \u0111\u1ec3 cho con n\u1ee3 gi\u1ea3i th\u1ec3 v\u00e0 c\u00f9ng chia nhau s\u1ed1 t\u00e0i s\u1ea3n c\u00f2n l\u1ea1i.<\/p>\n

Tuy nhi\u00ean, Lu\u1eadt DN 2005 c\u0169ng nh\u01b0 Lu\u1eadt n\u0103m 2014 v\u1eeba c\u00f3 hi\u1ec7u l\u1ef1c th\u00ec v\u1eabn c\u1ee9 quy \u0111\u1ecbnh c\u1ee9ng: DN mu\u1ed1n gi\u1ea3i th\u1ec3 th\u00ec ph\u1ea3i thanh to\u00e1n \u0111\u1ee7 n\u1ee3 n\u1ea7n. M\u00e0 vi\u1ec7c ch\u1ea5p nh\u1eadn thu m\u1ed9t ph\u1ea7n n\u1ee3, xong r\u1ed3i m\u1edbi xo\u00e1 n\u1ee3 kh\u00e1c nhi\u1ec1u v\u1edbi vi\u1ec7c th\u1eeba nh\u1eadn con n\u1ee3 \u0111\u00e3 thanh to\u00e1n h\u1ebft n\u1ee3 (trong khi ch\u01b0a thu \u0111\u01b0\u1ee3c) \u0111\u1ec3 gi\u1ea3i th\u1ec3 \u0111\u00fang v\u1edbi quy \u0111\u1ecbnh c\u1ee7a ph\u00e1p lu\u1eadt.<\/p>\n

Th\u1ef1c t\u1ebf cho th\u1ea5y, kh\u00e1 nhi\u1ec1u tr\u01b0\u1eddng h\u1ee3p t\u00e0i s\u1ea3n th\u1ebf ch\u1ea5p l\u00e0 nh\u00e0 \u0111\u1ea5t c\u00f3 s\u1ef1 kh\u00e1c nhau gi\u1eefa hi\u1ec7n tr\u1ea1ng v\u00e0 gi\u1ea5y t\u1edd ph\u00e1p l\u00fd. T\u00ecnh tr\u1ea1ng x\u00e2y m\u1edbi, c\u01a1i n\u1edbi, thay \u0111\u1ed5i c\u00f4ng tr\u00ecnh kh\u00f4ng \u0111\u00fang v\u1edbi gi\u1ea5y ph\u00e9p c\u00f2n ph\u1ed5 bi\u1ebfn tr\u00ean th\u1ef1c t\u1ebf. Vi\u1ec7c \u0111\u00f3 c\u00f3 th\u1ec3 x\u1ea3y ra l\u00e0 tr\u01b0\u1edbc ho\u1eb7c sau th\u1eddi \u0111i\u1ec3m th\u1ebf ch\u1ea5p t\u00e0i s\u1ea3n.<\/p>\n

\u0110\u1eb7c bi\u1ec7t l\u00e0 h\u00e0ng tri\u1ec7u c\u0103n nh\u00e0 \u1edf n\u00f4ng th\u00f4n, ch\u1ec9 c\u00f3 \u201cs\u1ed5 \u0111\u1ecf\u201d m\u00e0 kh\u00f4ng \u0111\u01b0\u1ee3c ghi nh\u1eadn t\u00e0i s\u1ea3n tr\u00ean \u0111\u1ea5t. Trong khi h\u1ee3p \u0111\u1ed3ng th\u1ebf ch\u1ea5p v\u00e0 vi\u1ec7c \u0111\u0103ng k\u00fd t\u00e0i s\u1ea3n th\u1ebf ch\u1ea5p th\u00ec ph\u1ea3i l\u1ec7 thu\u1ed9c ho\u00e0n to\u00e0n v\u00e0o c\u00e1c gi\u1ea5y t\u1edd ph\u00e1p l\u00fd, ch\u1ee9 kh\u00f4ng \u0111\u01b0\u1ee3c ph\u00e9p m\u00f4 t\u1ea3 t\u00e0i s\u1ea3n theo th\u1ef1c t\u1ebf.<\/p>\n

Do v\u1eady, \u0111\u1ebfn c\u00f4ng \u0111o\u1ea1n ph\u1ea3i x\u1eed t\u00e0i s\u1ea3n th\u1ebf ch\u1ea5p th\u00ec r\u1ea5t d\u1ec5 ph\u1ee9c t\u1ea1p tr\u00ean th\u1ef1c t\u1ebf. B\u00ean th\u1ebf ch\u1ea5p cho r\u1eb1ng kh\u00f4ng th\u1ebf ch\u1ea5p ph\u1ea7n t\u00e0i s\u1ea3n kh\u00f4ng \u0111\u01b0\u1ee3c ghi nh\u1eadn r\u00f5 tr\u00ean s\u1ed5 \u0111\u1ecf c\u0169ng nh\u01b0 h\u1ee3p \u0111\u1ed3ng th\u1ebf ch\u1ea5p, cho d\u00f9 h\u1ee3p \u0111\u1ed3ng \u0111\u00e3 tho\u1ea3 thu\u1eadn r\u00f5 r\u00e0ng: T\u00e0i s\u1ea3n th\u1ebf ch\u1ea5p bao g\u1ed3m c\u00f4ng tr\u00ecnh x\u00e2y d\u1ef1ng (b\u1ed5 sung, n\u00e2ng c\u1ea5p, c\u1ea3i t\u1ea1o, s\u1eeda ch\u1eefa) \u0111\u00e3 v\u00e0 s\u1ebd x\u00e2y d\u1ef1ng trong t\u01b0\u01a1ng lai g\u1eafn li\u1ec1n v\u1edbi nh\u00e0 \u0111\u1ea5t th\u1ebf ch\u1ea5p. R\u1ea5t nhi\u1ec1u TCTD \u0111i\u00eau \u0111\u1ee9ng, kh\u1ed1n kh\u1ed5 v\u1ec1 \u0111i\u1ec1u v\u00f4 l\u00fd n\u00e0y\u2026<\/p>\n

Lu\u1eadt x\u1eed l\u00fd n\u1ee3 x\u1ea5u<\/strong><\/p>\n

Theo Lu\u1eadt s\u01b0 Tr\u01b0\u01a1ng Thanh \u0110\u1ee9c, vi\u1ec7c c\u00e1c TCTD b\u00e1n n\u1ee3 cho VAMC, v\u1ec1 c\u01a1 b\u1ea3n ch\u1ec9 l\u00e0 m\u1ed9t bi\u1ec7n ph\u00e1p d\u1ed3n kho, \u0111\u00f3ng g\u00f3i, khoanh n\u1ee3; c\u01a1 c\u1ea5u l\u1ea1i kho\u1ea3n n\u1ee3 ch\u1ee7 y\u1ebfu l\u00e0 gia h\u1ea1n n\u1ee3, \u0111i\u1ec1u ch\u1ec9nh k\u1ef3 h\u1ea1n tr\u1ea3 n\u1ee3 v\u00e0 \u0111\u1ea3o n\u1ee3. C\u00f2n s\u1eed d\u1ee5ng d\u1ef1 ph\u00f2ng th\u00ec l\u00e0 gi\u1ea3m l\u00e3i c\u1ee7a ng\u00e2n h\u00e0ng \u0111\u1ec3 \u0111\u00e1nh \u0111\u1ed5i n\u1ee3 x\u1ea5u. \u201cCon s\u1ed1 l\u00e0 th\u1eadt, nh\u01b0ng k\u1ebft qu\u1ea3 x\u1eed l\u00fd th\u00ec ch\u1ee7 y\u1ebfu m\u1edbi ch\u1ec9 l\u00e0 tr\u00ean s\u1ed5 s\u00e1ch. Nguy c\u01a1 r\u1ea5t l\u1edbn cho h\u1ec7 th\u1ed1ng ng\u00e2n h\u00e0ng v\u00e0 c\u1ea3 n\u1ec1n kinh t\u1ebf v\u1eabn c\u00f2n \u0111\u00f3\u2026\u201d- Lu\u1eadt s\u01b0 th\u1eb3ng th\u1eafn.<\/em><\/p>\n

Theo \u00f4ng, \u01b0\u1edbc l\u01b0\u1ee3ng kh\u00f4ng d\u01b0\u1edbi 70% r\u00e0o c\u1ea3n x\u1eed l\u00fd n\u1ee3 x\u1ea5u l\u00e0 do v\u01b0\u1edbng m\u1eafc ph\u00e1p l\u00fd. \u201cLu\u1eadt th\u00ec ch\u1ec9 c\u00f3 lo\u00e1ng tho\u00e1ng m\u1ed9t v\u00e0i \u00fd. C\u00f2n bao nhi\u00eau ngh\u1ecb \u0111\u1ecbnh, th\u00f4ng t\u01b0 tr\u1ef1c ti\u1ebfp \u0111i\u1ec1u ch\u1ec9nh vi\u1ec7c x\u1eed l\u00fd n\u1ee3 x\u1ea5u c\u0169ng kh\u00f4ng v\u01b0\u1ee3t n\u1ed5i c\u00e1c ngh\u1ecb \u0111\u1ecbnh, th\u00f4ng t\u01b0 li\u00ean quan ch\u1ee9 ch\u01b0a n\u00f3i g\u00ec \u0111\u1ebfn m\u00e2u thu\u1eabn, v\u01b0\u1edbng m\u1eafc v\u1edbi h\u00e0ng ch\u1ee5c \u0111\u1ea1o lu\u1eadt c\u00f3 hi\u1ec7u l\u1ef1c ph\u00e1p l\u00fd cao h\u01a1n. V\u00ec v\u1eady, \u0111\u1ec3 th\u00e1o g\u1ee1 xung \u0111\u1ed9t, th\u1eadm ch\u00ed l\u00e0 b\u1ebf t\u1eafc trong m\u1ed9t r\u1eebng lu\u1eadt hi\u1ec7n nay th\u00ec c\u1ea7n ph\u1ea3i c\u00f3 m\u1ed9t \u0111\u1ea1o lu\u1eadt x\u1eed l\u00fd n\u1ee3 x\u1ea5u\u2026\u201d – Lu\u1eadt s\u01b0 \u0110\u1ee9c b\u00e0y t\u1ecf.<\/em><\/p>\n

Lu\u1eadt s\u01b0 \u0110\u1ee9c c\u0169ng cho r\u1eb1ng \u0111\u00e3 \u0111\u1ebfn l\u00fac lu\u1eadt ph\u00e1p v\u00e0 h\u00e0nh ph\u00e1p ph\u1ea3i xoay chi\u1ec1u cho ph\u00f9 h\u1ee3p v\u1edbi nguy\u00ean l\u00fd c\u1ee7a n\u1ec1n kinh t\u1ebf th\u1ecb tr\u01b0\u1eddng. \u0110\u00f3 l\u00e0, ph\u1ea3i \u01b0u ti\u00ean tr\u01b0\u1edbc h\u1ebft b\u1ea3o v\u1ec7 quy\u1ec1n l\u1ee3i c\u1ee7a ch\u1ee7 n\u1ee3 thay v\u00ec con n\u1ee3, t\u1ee9c b\u1ea3o v\u1ec7 quy\u1ec1n s\u1edf h\u1eefu tr\u1ecdn v\u1eb9n l\u00e0 \u0111\u1ed3ng ti\u1ec1n cho vay, thay v\u00ec b\u1ea3o v\u1ec7 quy\u1ec1n s\u1edf h\u1eefu h\u1ea1n ch\u1ebf l\u00e0 \u0111\u1ed3ng ti\u1ec1n \u0111i vay hay t\u00e0i s\u1ea3n \u0111\u00e3 \u0111\u01b0a v\u00e0o b\u1ea3o \u0111\u1ea3m cho ngh\u0129a v\u1ee5 tr\u1ea3 n\u1ee3. \u0110i\u1ec1u n\u00e0y c\u1ea7n ph\u1ea3i \u0111\u01b0\u1ee3c c\u1ee5 th\u1ec3 ho\u00e1 trong c\u00e1c \u0111\u1ea1o lu\u1eadt li\u00ean quan \u0111\u1ebfn quan h\u1ec7 vay n\u1ee3, th\u1ebf ch\u1ea5p v\u00e0 x\u1eed l\u00fd h\u1ec7 qu\u1ea3 ph\u00e1p l\u00fd.<\/em><\/p>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n

Thanh Thanh<\/strong><\/p>\n

——————<\/p>\n

Ph\u00e1p lu\u1eadt VN (Kinh doanh) 31-7-2015:<\/em><\/strong><\/p>\n

http:\/\/baophapluat.vn\/kinh-doanh\/quy-dinh-cua-phap-luat-duong-nhu-khuyen-khich-con-no-chay-y-226185.html<\/em><\/p>\n

(549\/1.551)","protected":false},"excerpt":{"rendered":"

(PL) – Kh\u00f4ng nghi ng\u1edd t\u00ednh kh\u1ea3 thi c\u1ee7a m\u1ee5c ti\u00eau \u0111\u01b0a n\u1ee3 x\u1ea5u xu\u1ed1ng 3% v\u00e0o th\u00e1ng 9\/2015 c\u1ee7a Ng\u00e2n h\u00e0ng Nh\u00e0 n\u01b0\u1edbc, nh\u01b0ng nh\u1eefng v\u01b0\u1edbng m\u1eafc trong x\u1eed l\u00fd n\u1ee3 x\u1ea5u d\u01b0\u1eddng nh\u01b0 v\u1eabn c\u00f2n nguy\u00ean. Theo Lu\u1eadt s\u01b0 Tr\u01b0\u01a1ng Thanh \u0110\u1ee9c, vi\u1ec7c c\u00e1c TCTD b\u00e1n n\u1ee3 cho VAMC, v\u1ec1 c\u01a1 b\u1ea3n ch\u1ec9 […]<\/p>\n","protected":false},"author":10,"featured_media":20998,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":""},"categories":[27,26],"tags":[],"class_list":["post-20953","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-interviews","category-legal-media"],"acf":[],"yoast_head":"\n788. Quy \u0111\u1ecbnh c\u1ee7a ph\u00e1p lu\u1eadt d\u01b0\u1eddng nh\u01b0\u2026 khuy\u1ebfn kh\u00edch "con n\u1ee3" ch\u00e2y \u1ef3? - 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\/788-2\/\" \/>\n<meta property=\"og:locale\" content=\"vi_VN\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"[:vi]788. 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Theo Lu\u1eadt s\u01b0 Tr\u01b0\u01a1ng Thanh \u0110\u1ee9c, vi\u1ec7c c\u00e1c TCTD b\u00e1n n\u1ee3 cho VAMC, v\u1ec1 c\u01a1 b\u1ea3n ch\u1ec9 […]\" \/>\n<meta property=\"og:url\" content=\"https:\/\/anvilaw.com\/vi\/788-2\/\" \/>\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=\"2015-07-31T05:59:29+00:00\" \/>\n<meta property=\"article:modified_time\" content=\"2022-05-12T06:37:19+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/anvilaw.com\/wp-content\/uploads\/2015\/07\/12a_16_PCBS.jpg\" \/>\n\t<meta property=\"og:image:width\" content=\"800\" \/>\n\t<meta property=\"og:image:height\" content=\"400\" \/>\n\t<meta property=\"og:image:type\" content=\"image\/jpeg\" \/>\n<meta name=\"author\" content=\"Tr\u01b0\u01a1ng V\u0169 Ho\u00e0ng\" \/>\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 V\u0169 Ho\u00e0ng\" \/>\n\t<meta name=\"twitter:label2\" content=\"\u01af\u1edbc t\u00ednh th\u1eddi gian \u0111\u1ecdc\" \/>\n\t<meta name=\"twitter:data2\" content=\"12 ph\u00fat\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\/\/schema.org\",\"@graph\":[{\"@type\":\"Article\",\"@id\":\"https:\/\/anvilaw.com\/vi\/788-2\/#article\",\"isPartOf\":{\"@id\":\"https:\/\/anvilaw.com\/vi\/788-2\/\"},\"author\":{\"name\":\"Tr\u01b0\u01a1ng V\u0169 Ho\u00e0ng\",\"@id\":\"https:\/\/anvilaw.com\/vi\/#\/schema\/person\/2d150c4ef033c94d530c391731b640b9\"},\"headline\":\"788. 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