{"id":21002,"date":"2015-08-03T13:39:35","date_gmt":"2015-08-03T06:39:35","guid":{"rendered":"https:\/\/anvilaw.com\/vi\/?p=21002"},"modified":"2022-05-12T13:47:51","modified_gmt":"2022-05-12T06:47:51","slug":"792-xu-ly-no-xau-di-sieu-xe-o-nha-lau-van-chay-i-tra-no","status":"publish","type":"post","link":"https:\/\/anvilaw.com\/vi\/792-xu-ly-no-xau-di-sieu-xe-o-nha-lau-van-chay-i-tra-no\/","title":{"rendered":"792. X\u1eed l\u00fd n\u1ee3 x\u1ea5u: \u0110i si\u00eau xe, \u1edf nh\u00e0 l\u1ea7u v\u1eabn ch\u00e2y \u00ec tr\u1ea3 n\u1ee3"},"content":{"rendered":"

(DT) – Trong khi n\u1ee3 x\u1ea5u ng\u00e2n h\u00e0ng \u0111\u01b0\u1ee3c coi l\u00e0 “c\u1ee5c m\u00e1u \u0111\u00f4ng” kh\u00f3 tan th\u00ec vi\u1ec7c x\u1eed l\u00fd v\u00e0 thu h\u1ed3i v\u1ed1n c\u1ee7a nhi\u1ec1u ng\u00e2n h\u00e0ng \u0111ang g\u1eb7p ph\u1ea3i nhi\u1ec1u th\u00e1ch th\u1ee9c l\u1edbn t\u1eeb c\u00e1c con n\u1ee3 kh\u00f3 \u0111\u00f2i. Th\u1eadm ch\u00ed, “con n\u1ee3” \u0111i si\u00eau xe, \u1edf nh\u00e0 l\u1ea7u v\u1eabn ch\u00e2y \u00ec tr\u1ea3 n\u1ee3.<\/strong><\/p>\n

\n

\u201cB\u1ea7m r\u1eadp\u201d nh\u01b0 ng\u00e2n h\u00e0ng \u0111i thu h\u1ed3i n\u1ee3<\/strong><\/p>\n

N\u00f3i v\u1ec1 c\u00f4ng t\u00e1c \u0111i thu h\u1ed3i n\u1ee3, m\u1ed9t c\u00e1n b\u1ed9 ng\u00e0nh ng\u00e2n h\u00e0ng cho bi\u1ebft: V\u1edbi nhi\u1ec1u con n\u1ee3 kh\u00f3 \u0111\u00f2i, t\u00e0i s\u1ea3n l\u1edbn, c\u00e1n b\u1ed9 ng\u00e2n h\u00e0ng ph\u1ea3i \u0103n ch\u1ef1c n\u1eb1m ch\u1edd \u0111\u1ec3 tr\u00e1nh b\u1ecb t\u1ea9u t\u00e1n t\u00e0i s\u1ea3n. Nhi\u1ec1u khi \u0111i thu h\u1ed3i n\u1ee3, c\u00e1c c\u00e1n b\u1ed9 ng\u00e2n h\u00e0ng b\u1ecb hi\u1ec3u nh\u01b0 xi\u1ebft n\u1ee3, di\u1ec7t \u0111\u01b0\u1eddng kinh doanh c\u1ee7a ng\u01b0\u1eddi d\u00e2n.<\/p>\n

\"\"<\/p>\n

C\u00e1c c\u00e1n b\u1ed9 ng\u00e2n h\u00e0ng t\u1eadp trung \u0111\u1ec3 gi\u1eef t\u00e0i s\u1ea3n \u0111\u1ea3m b\u1ea3o khi m\u1ed9t doanh nghi\u1ec7p tuy\u00ean b\u1ed1 ph\u00e1 s\u1ea3n, kh\u00f4ng c\u00f3 kh\u1ea3 n\u0103ng tr\u1ea3 n\u1ee3.<\/em><\/p>\n<\/figcaption><\/figure>\n

M\u1ed9t c\u00e1n b\u1ed9 c\u1ee7a ng\u00e2n h\u00e0ng l\u1edbn cho bi\u1ebft, trong b\u1ed1i c\u1ea3nh kh\u00f3 kh\u0103n, nh\u00e2n vi\u00ean ng\u00e2n h\u00e0ng ph\u1ea3i ki\u00eam ba vai: huy \u0111\u1ed9ng v\u1ed1n, cho vay v\u00e0 thu h\u1ed3i n\u1ee3. Trong \u0111\u00f3, v\u1ea5n \u0111\u1ec1 thu h\u1ed3i n\u1ee3 xem ch\u1eebng l\u00e0 \u201ckhoai\u201d nh\u1ea5t. V\u1ec1 nguy\u00ean t\u1eafc, h\u1ee3p \u0111\u1ed3ng t\u00edn d\u1ee5ng lu\u00f4n c\u00f3 \u0111i\u1ec1u kho\u1ea3n v\u1ec1 vi\u1ec7c ng\u00e2n h\u00e0ng c\u00f3 quy\u1ec1n x\u1eed l\u00fd t\u00e0i s\u1ea3n b\u1ea3o \u0111\u1ea3m (TSB\u0110) c\u1ee7a kh\u00e1ch h\u00e0ng \u0111\u1ec3 thu h\u1ed3i n\u1ee3. Tuy nhi\u00ean, tr\u00ean th\u1ef1c t\u1ebf, \u0111\u1ec3 x\u1eed l\u00fd nh\u1eefng TSB\u0110 n\u00e0y t\u1ed1n qu\u00e1 nhi\u1ec1u c\u00f4ng s\u1ee9c v\u00e0 chi ph\u00ed khi\u1ebfn cho nhi\u1ec1u ng\u00e2n h\u00e0ng ph\u1ea3i k\u00eau tr\u1eddi v\u00ec qu\u00e1 kh\u00f3.<\/p>\n

N\u00f3i v\u1ec1 c\u00e1c kho\u1ea3n n\u1ee3 kh\u00f3 \u0111\u00f2i, Ph\u00f3 TG\u0110 Ng\u00e2n h\u00e0ng Vietcombank Ph\u1ea1m M\u1ea1nh Th\u1eafng cho bi\u1ebft, c\u00f3 hai kho\u1ea3n vay \u0111\u00e1ng s\u1ee3 nh\u1ea5t l\u00e0 \u201ccho m\u01b0\u1ee3n\u201d v\u00e0 \u201ccho\u2026 kh\u00f4ng\u201d.<\/p>\n

\u201cN\u00f3i g\u00ec th\u00ec n\u00f3i, hi\u1ec7n \u0111ang c\u00f3 ba h\u00ecnh th\u1ee9c cho vay, cho m\u01b0\u1ee3n v\u00e0 cho\u2026 kh\u00f4ng. N\u1ebfu h\u00ecnh th\u1ee9c cho vay, kh\u00e1ch tr\u1ea3 n\u1ee3 l\u00e3i \u0111\u1ea7y \u0111\u1ee7, th\u00ec cho m\u01b0\u1ee3n v\u00e0 cho kh\u00f4ng, kh\u00e1ch kh\u00f4ng tr\u1ea3 c\u1ea3 g\u1ed1c v\u00e0 c\u0169ng ch\u1eb3ng tr\u1ea3 l\u00e3i. C\u00e1n b\u1ed9 t\u00edn d\u1ee5ng \u0111\u1ebfn thu h\u1ed3i n\u1ee3, con n\u1ee3 ch\u00e2y \u00ec b\u1eb1ng c\u00e1ch n\u00e0y hay c\u00e1ch kia \u0111\u1ec3 kh\u00f4ng tr\u1ea3 n\u1ee3. Th\u1eadm ch\u00ed, nhi\u1ec1u l\u00fac ng\u00e2n h\u00e0ng ch\u1ec9 mu\u1ed1n \u0111\u00f2i l\u1ea1i g\u1ed1c nh\u01b0ng kh\u00e1ch h\u00e0ng quy\u1ebft kh\u00f4ng tr\u1ea3\u201d, \u00f4ng Th\u1eafng chia s\u1ebb.<\/p>\n

Theo \u00f4ng B\u00f9i Tr\u1ea7n M\u00e2ng, Gi\u00e1m \u0111\u1ed1c Ng\u00e2n h\u00e0ng Vietcombank chi nhanh An Giang, c\u00f3 kh\u00e1ch h\u00e0ng n\u1ee3 g\u1ea7n ch\u1ee5c t\u1ef7 \u0111\u1ed3ng c\u1ee7a Vietcombank sau khi kh\u00f4ng tr\u1ea3 ng\u00e2n h\u00e0ng kh\u1edfi ki\u1ec7n, phong t\u1ecfa t\u00e0i kho\u1ea3n nh\u01b0ng c\u00f4ng ty \u0111\u00f3 l\u1ea1i chuy\u1ec3n ho\u1ea1t \u0111\u1ed9ng \u1edf c\u00e1c c\u00f4ng ty kh\u00e1c.<\/p>\n

\u201cKh\u00e1ch h\u00e0ng n\u1ee3 ti\u1ec1n kh\u00f4ng ph\u1ea3i l\u00e0m \u0103n th\u1ea5t b\u00e1t, ph\u00e1 s\u1ea3n m\u00e0 c\u00f3 \u00fd \u0111\u1ecbnh m\u01b0\u1ee3n kh\u00f4ng ti\u1ec1n c\u1ee7a ng\u00e2n h\u00e0ng, chi\u1ebfm d\u1ee5ng t\u00e0i s\u1ea3n c\u1ee7a ng\u00e2n h\u00e0ng \u0111\u1ec3 t\u01b0 l\u1ee3i cho m\u00ecnh. Kh\u00e1ch h\u00e0ng c\u00f3 nhi\u1ec1u c\u00f4ng ty con, c\u1eeda h\u00e0ng kinh doanh, h\u00e0ng ng\u00e0y, con n\u1ee3 v\u1eabn \u0111i xe \u0111\u1eaft h\u00e0ng t\u1ef7 \u0111\u1ed3ng. Tuy nhi\u00ean, khi \u0111\u01b0\u1ee3c ng\u00e2n h\u00e0ng b\u00e1o tr\u1ea3 n\u1ee3 ho\u1eb7c tr\u1ea3 l\u00e3i th\u00ec l\u1ea9n nh\u01b0 tr\u1ea1ch\u201d \u00f4ng M\u00e2ng than th\u1edf.<\/p>\n

D\u1eabn ch\u1ee9ng m\u1ed9t tr\u01b0\u1eddng h\u1ee3p kh\u00e1ch h\u00e0ng ch\u00e2y \u00ec n\u1ee3, \u00f4ng Nguy\u1ec5n \u0110\u1ee9c Th\u00e0nh, Ph\u00f3 G\u0110 Ng\u00e2n h\u00e0ng Vietcombank chi nh\u00e1nh H\u1ea3i Ph\u00f2ng cho bi\u1ebft: C\u00f4ng ty TNHH A l\u00e0 doanh nghi\u1ec7p (DN) n\u1ee3 ng\u00e2n h\u00e0ng \u0111\u1ebfn th\u1eddi h\u1ea1n tr\u1ea3. Tuy nhi\u00ean, DN kh\u00f4ng h\u1ee3p t\u00e1c v\u1edbi ng\u00e2n h\u00e0ng m\u00e0 thay \u0111\u1ed5i \u0111\u1ecba ch\u1ec9 kinh doanh nhi\u1ec1u l\u1ea7n. Ch\u00fang t\u00f4i \u0111\u00e3 n\u1ed9p \u0111\u01a1n ra to\u00e0 t\u1ea1i H\u00e0 N\u1ed9i \u0111\u1ec3 ki\u1ec7n c\u00f4ng ty n\u00e0y v\u00ec h\u1ecd c\u00f3 gi\u1ea5y ph\u00e9p \u0111\u0103ng k\u00fd kinh doanh g\u1ed1c t\u1ea1i qu\u1eadn C\u1ea7u Gi\u1ea5y, tuy nhi\u00ean khi t\u00f2a x\u00e1c minh th\u00ec kh\u00f4ng c\u00f3 DN \u0111\u00f3 \u0111\u0103ng k\u00fd tr\u00ean \u0111\u1ecba b\u00e0n.<\/p>\n

Th\u1eadm ch\u00ed, nhi\u1ec1u con n\u1ee3 c\u00f2n th\u00e1ch th\u1ee9c ng\u00e2n h\u00e0ng ki\u1ec7n ra t\u00f2a r\u1ed3i s\u1eed d\u1ee5ng c\u00e1c m\u1ed1i quan h\u1ec7 \u0111\u1ec3 ng\u00e2n h\u00e0ng kh\u00f4ng thu gi\u1eef \u0111\u01b0\u1ee3c t\u00e0i s\u1ea3n \u0111\u1ea3m b\u1ea3o. C\u00f3 tr\u01b0\u1eddng h\u1ee3p con n\u1ee3 t\u1ef1 h\u1ee7y t\u00e0i s\u1ea3n \u0111\u1ea3m b\u1ea3o \u0111\u1ec3 kh\u00f4ng ph\u1ea3i tr\u1ea3 n\u1ee3 ng\u00e2n h\u00e0ng.<\/p>\n

\u201c\u0110\u1ee9ng cho vay, qu\u1ef3 thu n\u1ee3\u201d<\/strong><\/p>\n

N\u00f3i v\u1ec1 c\u00f4ng vi\u1ec7c \u0111i thu h\u1ed3i n\u1ee3 c\u1ee7a c\u00e1n b\u1ed9 ng\u00e2n h\u00e0ng, b\u00e0 Tr\u1ea7n Ch\u00e2u H\u1ea1nh, Tr\u01b0\u1edfng ph\u00f2ng C\u00f4ng n\u1ee3 c\u1ee7a Vietcombank cho bi\u1ebft: \u201cKhi k\u00fd h\u1ee3p \u0111\u1ed3ng th\u00ec c\u1ea3 hai b\u00ean c\u00f9ng tay b\u1eaft m\u1eb7t m\u1eebng nh\u01b0ng khi \u0111\u1ebfn k\u1ef3 tr\u1ea3 n\u1ee3 l\u1ea1i v\u00f4 c\u00f9ng kh\u00f3 kh\u0103n, th\u1eadm ch\u00ed c\u00f3 c\u1ea3 n\u01b0\u1edbc m\u1eaft. T\u00e0i s\u1ea3n c\u1ee7a ng\u00e2n h\u00e0ng c\u0169ng ch\u00ednh l\u00e0 ti\u1ec1n g\u1eedi c\u1ee7a ng\u01b0\u1eddi d\u00e2n v\u00e0 t\u00e0i s\u1ea3n nh\u00e0 n\u01b0\u1edbc, n\u1ee3 x\u1ea5u kh\u00f4ng th\u1ec3 \u0111\u00f2i \u0111\u01b0\u1ee3c s\u1ebd khi\u1ebfn t\u00e0i s\u1ea3n b\u1ecb m\u1ea5t\u201d.<\/p>\n

B\u00e0 H\u1ea1nh chia s\u1ebb th\u00eam, “c\u00e1n b\u1ed9 ng\u00e2n h\u00e0ng nhi\u1ec1u l\u00fac ph\u1ea3i \u0103n ch\u1ef1c n\u1eb1m ch\u1edd v\u00e0 b\u00e1m s\u00e1t con n\u1ee3 nh\u01b0 c\u00f4ng an, th\u1eadm ch\u00ed \u0111\u1ed1i m\u1eb7t v\u1edbi nhi\u1ec1u nguy hi\u1ec3m r\u00ecnh r\u1eadp. Khi \u0111i thu h\u1ed3i n\u1ee3, c\u00e1n b\u1ed9 ng\u00e2n h\u00e0ng th\u01b0\u1eddng b\u1ecb ng\u01b0\u1eddi d\u00e2n ngh\u0129 oan \u0111i xi\u1ebft n\u1ee3, di\u1ec7t \u0111\u01b0\u1eddng kinh doanh c\u1ee7a doanh nghi\u1ec7p, ng\u01b0\u1eddi d\u00e2n. Nh\u01b0ng tr\u00ean th\u1ef1c t\u1ebf, ch\u00fang t\u00f4i c\u0169ng c\u00f3 n\u1ed7i kh\u1ed5 v\u00e0 vi\u1ec7c \u0111i thu h\u1ed3i n\u1ee3 l\u00e0 vi\u1ec7c b\u1ea5t \u0111\u1eafc d\u0129, ch\u1eb3ng \u0111\u1eebng”.<\/p>\n

Lu\u1eadt s\u01b0 Tr\u01b0\u01a1ng Thanh \u0110\u1ee9c – Ch\u1ee7 nhi\u1ec7m C\u00e2u l\u1ea1c b\u1ed9 ph\u00e1p ch\u1ebf, Hi\u1ec7p h\u1ed9i Ng\u00e2n h\u00e0ng Vi\u1ec7t Nam t\u1eebng v\u00ed von v\u1ec1 vi\u1ec7c vay v\u00e0 thu n\u1ee3 c\u1ee7a c\u00e1n b\u1ed9 ng\u00e2n h\u00e0ng \u1edf hai th\u1ebf kh\u00e1c nhau: \u201c\u0111\u1ee9ng cho vay, qu\u1ef3 thu n\u1ee3\u201d. Khi doanh nghi\u1ec7p c\u1ea7n v\u1ed1n \u0111\u1ec3 kinh doanh, t\u1eadn d\u1ee5ng m\u1ecdi c\u00e1ch \u0111\u1ec3 vay \u0111\u01b0\u1ee3c ti\u1ec1n c\u1ee7a ng\u00e2n h\u00e0ng. Tuy nhi\u00ean, khi c\u00f3 kh\u00f3 kh\u0103n x\u1ea3y ra, thu h\u1ed3i \u0111\u01b0\u1ee3c v\u1ed1n vay c\u1ee7a nh\u1eefng con n\u1ee3 kh\u00f3 \u0111\u00f2i l\u00e0 c\u1ef1c k\u1ef3 v\u1ea5t v\u1ea3.<\/p>\n

\u00d4ng \u0110\u1ee9c cho bi\u1ebft, thu h\u1ed3i n\u1ee3 c\u1ee7a ng\u00e2n h\u00e0ng g\u1eb7p kh\u00f3 kh\u0103n do c\u00f3 \u0111\u1ebfn 70% nguy\u00ean nh\u00e2n l\u00e0 v\u01b0\u1edbng m\u1eafc ph\u00e1p l\u00fd. N\u1ee3 x\u1ea5u \u0111\u01b0\u1ee3c coi nh\u01b0 m\u1ed9t lo\u1ea1i h\u00e0ng h\u00f3a \u0111\u1eb7c bi\u1ec7t \u0111ang t\u1ed3n kho. Mu\u1ed1n x\u1eed l\u00fd tri\u1ec7t \u0111\u1ec3 ph\u1ea3i c\u00f3 th\u1ecb tr\u01b0\u1eddng, \u0111i\u1ec1u m\u00e0 t\u1eeb tr\u01b0\u1edbc \u0111\u1ebfn nay d\u01b0\u1eddng nh\u01b0 ch\u01b0a c\u00f3.<\/p>\n

Theo quy \u0111\u1ecbnh t\u1ea1i Ngh\u1ecb \u0111\u1ecbnh 163, n\u1ebfu kh\u00e1ch h\u00e0ng kh\u00f4ng tr\u1ea3 n\u1ee3, t\u1ed5 ch\u1ee9c t\u00edn d\u1ee5ng s\u1ebd th\u00f4ng b\u00e1o cho kh\u00e1ch h\u00e0ng th\u1ef1c hi\u1ec7n nh\u1eefng cam k\u1ebft trong h\u1ee3p \u0111\u1ed3ng. Trong \u0111\u00f3 c\u00f3 quy\u1ec1n 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…<\/p>\n

Tuy nhi\u00ean, tr\u00ean th\u1ef1c t\u1ebf, v\u1ea5n \u0111\u1ec1 n\u00e0y kh\u00f4ng \u0111\u01b0\u1ee3c quy \u0111\u1ecbnh r\u00f5 r\u00e0ng trong lu\u1eadt m\u00e0 ch\u1ec9 l\u00e0 m\u1ed9t v\u00e0i v\u0103n b\u1ea3n d\u01b0\u1edbi lu\u1eadt n\u00ean khi th\u1ef1c hi\u1ec7n c\u00f3 nhi\u1ec1u v\u01b0\u1edbng m\u1eafc…<\/p>\n<\/div>\n

Nguy\u1ec5n Tuy\u1ec1n<\/strong><\/p>\n

——————<\/p>\n

D\u00e2n tr\u00ed (Kinh doanh) 03-8-2015:<\/em><\/strong><\/p>\n

http:\/\/dantri.com.vn\/kinh-doanh\/xu-ly-no-xau-di-sieu-xe-o-nha-lau-van-chay-i-tra-no-20150803145938672.htm<\/em><\/p>\n

(240\/1.093)<\/em>","protected":false},"excerpt":{"rendered":"

(DT) – Trong khi n\u1ee3 x\u1ea5u ng\u00e2n h\u00e0ng \u0111\u01b0\u1ee3c coi l\u00e0 “c\u1ee5c m\u00e1u \u0111\u00f4ng” kh\u00f3 tan th\u00ec vi\u1ec7c x\u1eed l\u00fd v\u00e0 thu h\u1ed3i v\u1ed1n c\u1ee7a nhi\u1ec1u ng\u00e2n h\u00e0ng \u0111ang g\u1eb7p ph\u1ea3i nhi\u1ec1u th\u00e1ch th\u1ee9c l\u1edbn t\u1eeb c\u00e1c con n\u1ee3 kh\u00f3 \u0111\u00f2i. Th\u1eadm ch\u00ed, “con n\u1ee3” \u0111i si\u00eau xe, \u1edf nh\u00e0 l\u1ea7u v\u1eabn ch\u00e2y \u00ec tr\u1ea3 […]<\/p>\n","protected":false},"author":10,"featured_media":21013,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":""},"categories":[27,26],"tags":[],"class_list":["post-21002","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-interviews","category-legal-media"],"acf":[],"yoast_head":"\n792. X\u1eed l\u00fd n\u1ee3 x\u1ea5u: \u0110i si\u00eau xe, \u1edf nh\u00e0 l\u1ea7u v\u1eabn ch\u00e2y \u00ec tr\u1ea3 n\u1ee3 - 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\/792-xu-ly-no-xau-di-sieu-xe-o-nha-lau-van-chay-i-tra-no\/\" \/>\n<meta property=\"og:locale\" content=\"vi_VN\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"[:vi]792. 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