{"id":21159,"date":"2014-05-28T17:37:36","date_gmt":"2014-05-28T10:37:36","guid":{"rendered":"https:\/\/anvilaw.com\/vi\/?p=21159"},"modified":"2022-11-22T17:24:37","modified_gmt":"2022-11-22T10:24:37","slug":"505-the-chap-nha-tren-giay-ngan-hang-so-om-them-no-xau","status":"publish","type":"post","link":"https:\/\/anvilaw.com\/vi\/505-the-chap-nha-tren-giay-ngan-hang-so-om-them-no-xau\/","title":{"rendered":"505. Th\u1ebf ch\u1ea5p nh\u00e0 tr\u00ean gi\u1ea5y: Ng\u00e2n h\u00e0ng s\u1ee3 \u00f4m th\u00eam n\u1ee3 x\u1ea5u"},"content":{"rendered":"

(VNN) – Sau r\u1ea5t nhi\u1ec1u l\u1ea7n ch\u1ec9nh s\u1eeda, t\u1eeb 16\/6 t\u1edbi, ng\u01b0\u1eddi mua nh\u00e0 t\u1ea1i c\u00e1c d\u1ef1 \u00e1n nh\u00e0 \u1edf th\u01b0\u01a1ng m\u1ea1i v\u00e0 nh\u00e0 \u1edf x\u00e3 h\u1ed9i s\u1ebd \u0111\u01b0\u1ee3c th\u1ebf ch\u1ea5p t\u00e0i s\u1ea3n h\u00ecnh th\u00e0nh trong t\u01b0\u01a1ng lai \u0111\u1ec3 vay v\u1ed1n mua ch\u00ednh c\u0103n h\u1ed9, nh\u00e0 \u1edf \u0111\u00f3.<\/strong><\/p>\n

K\u00edch c\u1ea7u th\u1ecb tr\u01b0\u1eddng<\/strong><\/p>\n

C\u1ee5 th\u1ec3,\u00a0t\u1ea1i th\u00f4ng t\u01b0 li\u00ean t\u1ecbch v\u1eeba \u0111\u01b0\u1ee3c Ng\u00e2n h\u00e0ng Nh\u00e0 n\u01b0\u1edbc, li\u00ean b\u1ed9 X\u00e2y d\u1ef1ng, T\u01b0 ph\u00e1p, T\u00e0i nguy\u00ean v\u00e0 m\u00f4i tr\u01b0\u1eddng ban h\u00e0nh, lo\u1ea1i nh\u00e0 \u1edf “tr\u00ean gi\u1ea5y” \u0111\u01b0\u1ee3c ph\u00e9p th\u1ebf ch\u1ea5p ph\u1ea3i c\u00f3 \u0111\u1ee7 c\u00e1c \u0111i\u1ec1u ki\u1ec7n: \u0111\u00e3 c\u00f3 thi\u1ebft k\u1ebf k\u1ef9 thu\u1eadt nh\u00e0 \u1edf \u0111\u01b0\u1ee3c ph\u00ea duy\u1ec7t, \u0111\u00e3 x\u00e2y xong ph\u1ea7n m\u00f3ng nh\u00e0 \u1edf, ch\u01b0a b\u1ecb k\u00ea bi\u00ean thi h\u00e0nh \u00e1n… H\u1ee3p \u0111\u1ed3ng th\u1ebf ch\u1ea5p ph\u1ea3i \u0111\u01b0\u1ee3c c\u00f4ng ch\u1ee9ng v\u00e0 \u0111\u0103ng k\u00fd giao d\u1ecbch b\u1ea3o \u0111\u1ea3m theo quy \u0111\u1ecbnh.<\/p>\n

Tuy nhi\u00ean, th\u00f4ng t\u01b0 n\u00e0y kh\u00f4ng \u00e1p d\u1ee5ng \u0111\u1ed1i v\u01a1\u0301i nh\u00e0 \u1edf h\u00ecnh th\u00e0nh trong t\u01b0\u01a1ng lai c\u1ee7a h\u1ed9 gia \u0111\u00ecnh, c\u00e1 nh\u00e2n \u0111\u01b0\u01a1\u0323c x\u00e2y d\u1ef1ng tr\u00ean khu\u00f4n vi\u00ean \u0111\u1ea5t thu\u1ed9c quy\u1ec1n s\u01b0\u0309 du\u0323ng h\u1ee3p ph\u00e1p c\u1ee7a m\u00ecnh \u0111\u1ec3 vay v\u1ed1n t\u1ea1i ca\u0301c t\u1ed5 ch\u1ee9c t\u00edn d\u1ee5ng; nh\u00e0 \u1edf b\u1ecb k\u00ea bi\u00ean \u0111\u1ec3 thi h\u00e0nh \u00e1n ho\u1eb7c \u0111\u1ec3 ch\u1ea5p h\u00e0nh quy\u1ebft \u0111\u1ecbnh h\u00e0nh \u00a0ch\u00ednh c\u1ee7a c\u01a1 quan nh\u00e0 n\u01b0\u1edbc c\u00f3 th\u1ea9m quy\u1ec1n…<\/p>\n\n\n\n\n
\"{keywords}\"<\/em><\/td>\n<\/tr>\n
Lo ng\u1ea1i n\u1ee3 x\u1ea5u t\u0103ng cao cho ng\u00e2n h\u00e0ng. (\u1ea2nh: D.Anh)<\/em><\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n
\n

Lu\u1eadt s\u01b0 Tr\u01b0\u01a1ng Thanh \u0110\u1ee9c<\/a><\/span>,<\/span> Gi\u00e1m \u0111\u1ed1c C\u00f4ng ty Lu\u1eadt<\/span> ANVI<\/strong><\/span><\/a> ph\u00e2n t\u00edch, \u0111\u00e2y l\u00e0 v\u0103n b\u1ea3n r\u1ea5t c\u1ea7n thi\u1ebft \u0111\u1ec3 hi\u1ec7n th\u1ef1c h\u00f3a quy \u0111\u1ecbnh cho ph\u00e9p th\u1ebf ch\u1ea5p nh\u00e0 \u1edf h\u00ecnh th\u00e0nh trong t\u01b0\u01a1ng lai m\u00e0 l\u00e2u nay kh\u00f4ng \u0111\u01b0\u1ee3c c\u00e1c t\u1ed5 ch\u1ee9c c\u00f4ng ch\u1ee9ng v\u00e0 \u0111\u0103ng k\u00fd giao d\u1ecbch b\u1ea3o \u0111\u1ea3m ch\u1ea5p nh\u1eadn, m\u1eb7c d\u00f9 \u0111\u00e3 \u0111\u01b0\u1ee3c quy \u0111\u1ecbnh t\u1ea1i Ngh\u1ecb \u0111\u1ecbnh s\u1ed1 71 ng\u00e0y 23\/6\/2010 quy \u0111\u1ecbnh chi ti\u1ebft v\u00e0 h\u01b0\u1edbng d\u1eabn thi h\u00e0nh Lu\u1eadt Nh\u00e0 \u1edf. \u0110i\u1ec1u n\u00e0y gi\u00fap t\u0103ng th\u00eam c\u00e1c c\u01a1 h\u1ed9i th\u1ebf ch\u1ea5p vay v\u1ed1n ng\u00e2n h\u00e0ng, th\u00fac \u0111\u1ea9y th\u1ecb tr\u01b0\u1eddng b\u1ea5t \u0111\u1ed9ng s\u1ea3n.<\/p>\n

Theo gi\u1edbi kinh doanh b\u1ea5t \u0111\u1ed9ng s\u1ea3n, quy \u0111\u1ecbnh m\u1edbi cho ph\u00e9p \u0111\u01b0\u1ee3c d\u00f9ng ch\u00ednh c\u0103n h\u1ed9 \u0111\u00e3 k\u00fd h\u1ee3p \u0111\u1ed3ng mua \u0111\u1ec3 l\u00e0m t\u00e0i s\u1ea3n th\u1ebf ch\u1ea5p vay v\u1ed1n ng\u00e2n h\u00e0ng s\u1ebd gi\u00fap k\u00edch c\u1ea7u th\u1ecb tr\u01b0\u1eddng n\u00e0y.<\/p>\n<\/div>\n

Tr\u01b0\u1edbc \u0111\u00e2y, nhi\u1ec1u ng\u01b0\u1eddi c\u00f3 nhu c\u1ea7u vay v\u1ed1n \u0111\u1ec3 mua nh\u00e0 \u0111\u00e3 kh\u00f4ng \u0111\u01b0\u1ee3c ph\u00eda ng\u00e2n h\u00e0ng ch\u1ea5p thu\u1eadn b\u1edfi thi\u1ebfu t\u00e0i s\u1ea3n th\u1ebf ch\u1ea5p c\u00f3 gi\u00e1 tr\u1ecb, hay t\u00e0i s\u1ea3n th\u1ebf ch\u1ea5p l\u00e0 nh\u1eefng c\u0103n nh\u00e0 s\u1ebd h\u00ecnh th\u00e0nh trong t\u01b0\u01a1ng lai. M\u1ed9t s\u1ed1 ng\u00e2n h\u00e0ng t\u1eebng cho ph\u00e9p ng\u01b0\u1eddi vay v\u1ed1n d\u00f9ng t\u00e0i s\u1ea3n l\u00e0 c\u0103n h\u1ed9 mua trong t\u01b0\u01a1ng lai \u0111\u1ec3 th\u1ebf ch\u1ea5p nh\u01b0ng g\u1eb7p r\u1ee7i ro ph\u00e1p l\u00fd, kh\u00e1ch h\u00e0ng ch\u1ec9 c\u00f3 h\u1ee3p \u0111\u1ed3ng mua b\u00e1n… V\u1edbi quy \u0111\u1ecbnh n\u00e0y, ng\u00e2n h\u00e0ng s\u1ebd m\u1ea1nh d\u1ea1n h\u01a1n trong ho\u1ea1t \u0111\u1ed9ng b\u00e1n l\u1ebb, \u0111\u1ea9y m\u1ea1nh cho vay kh\u00e1ch h\u00e0ng c\u00e1 nh\u00e2n v\u00e0 li\u00ean k\u1ebft v\u1edbi doanh nghi\u1ec7p B\u0110S.<\/p>\n

Th\u1eddi gian qua, t\u1ed1c \u0111\u1ed9 gi\u1ea3i ng\u00e2n g\u00f3i 30.000 t\u1ef7 h\u1ed7 tr\u1ee3 vay mua nh\u00e0 \u1edf m\u1edbi \u0111\u01b0\u1ee3c 4,8% – qu\u00e1 ch\u1eadm, m\u1ed9t ph\u1ea7n v\u00ec ng\u01b0\u1eddi vay ti\u1ec1n kh\u00f4ng c\u00f3 t\u00e0i s\u1ea3n th\u1ebf ch\u1ea5p. Quy \u0111\u1ecbnh m\u1edbi n\u00e0y s\u1ebd g\u00f3p ph\u1ea7n \u0111\u1ea9y nhanh ti\u1ebfn \u0111\u1ed9 gi\u1ea3i ng\u00e2n g\u00f3i t\u00edn d\u1ee5ng n\u00e0y.<\/p>\n

R\u1ee7i ro cho ng\u00e2n h\u00e0ng<\/strong><\/p>\n

V\u1ec1 ph\u00eda ng\u00e2n h\u00e0ng v\u1eabn c\u00f3 \u00fd ki\u1ebfn b\u00e0y t\u1ecf s\u1ef1 kh\u00f4ng \u0111\u1ed3ng t\u00ecnh, n\u1ebfu ch\u1ea5p nh\u1eadn gi\u1ea3i ng\u00e2n cho c\u00e1c h\u1ee3p \u0111\u1ed3ng vay v\u1ed1n m\u00e0 t\u00e0i s\u1ea3n th\u1ebf ch\u1ea5p l\u1ea1i h\u00ecnh th\u00e0nh trong t\u01b0\u01a1ng lai, ng\u00e2n h\u00e0ng s\u1ebd b\u1ecb \u201cn\u1eafm dao \u0111\u1eb1ng l\u01b0\u1ee1i\u201d.<\/p>\n

Theo Lu\u1eadt s\u01b0 Tr\u01b0\u01a1ng Thanh \u0110\u1ee9c<\/a><\/span>, th\u00f4ng t\u01b0 n\u00e0y m\u1edbi ch\u1ec9 gi\u1ea3i quy\u1ebft v\u01b0\u1edbng m\u1eafc v\u1ec1 ph\u00e1p l\u00fd, c\u00f2n tr\u00ean th\u1ef1c t\u1ebf th\u00ec v\u1eabn r\u1ea5t r\u1ee7i ro kh\u00f4ng kh\u00e1c nhi\u1ec1u so v\u1edbi vi\u1ec7c nh\u1eadn th\u1ebf ch\u1ea5p quy\u1ec1n t\u00e0i s\u1ea3n ph\u00e1t sinh t\u1eeb h\u1ee3p \u0111\u1ed3ng mua b\u00e1n nh\u00e0 \u1edf tr\u01b0\u1edbc \u0111\u00e2y.<\/p>\n\n\n\n\n
\"{keywords}\"<\/em><\/td>\n<\/tr>\n
Nhi\u1ec1u d\u1ef1 \u00e1n b\u1ecf hoang \u1ea3nh h\u01b0\u1edfng t\u1edbi ng\u01b0\u1eddi mua nh\u00e0<\/em><\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n

Lo\u1ea1i t\u00e0i s\u1ea3n th\u1ebf ch\u1ea5p n\u00e0y ch\u1ec9 th\u1ef1c s\u1ef1 c\u00f3 \u00fd ngh\u0129a \u0111\u1ed1i v\u1edbi ph\u1ea7n c\u00f4ng tr\u00ecnh \u0111\u00e3 x\u00e2y d\u1ef1ng xong, c\u00f2n ph\u1ea7n ch\u1edd h\u00ecnh th\u00e0nh trong t\u01b0\u01a1ng lai th\u00ec c\u00f3 th\u1ec3 coi l\u00e0 s\u1ed1 kh\u00f4ng. V\u00ec v\u1eady, n\u1ebfu ng\u00e2n h\u00e0ng ch\u1ec9 l\u00e0m \u0111\u00fang quy \u0111\u1ecbnh theo ki\u1ec3u h\u1ee3p th\u1ee9c h\u00f3a h\u1ed3 s\u01a1 cho vay, m\u00e0 kh\u00f4ng x\u00e1c \u0111\u1ecbnh gi\u00e1 tr\u1ecb th\u1ef1c t\u1ebf c\u00f3 th\u1ec3 chuy\u1ec3n nh\u01b0\u1ee3ng \u0111\u01b0\u1ee3c c\u1ee7a t\u00e0i s\u1ea3n th\u1ebf ch\u1ea5p, th\u00ec s\u1ebd \u0111\u1ed3ng ngh\u0129a v\u1edbi vi\u1ec7c chuy\u1ec3n r\u1ee7i ro sang ph\u00eda ng\u00e2n h\u00e0ng v\u00e0 nguy c\u01a1 n\u1ee3 x\u1ea5u t\u0103ng cao do r\u1ea5t kh\u00f3 x\u1eed l\u00fd \u0111\u01b0\u1ee3c t\u00e0i s\u1ea3n b\u1ea3o \u0111\u1ea3m khi n\u1ee3 \u0111\u1ebfn h\u1ea1n.<\/p>\n

Tuy nhi\u00ean, Nguy\u1ec5n Qu\u1ed1c Kh\u00e1nh, Li\u00ean minh B\u0110S G5, l\u1ea1i cho r\u1eb1ng: \u201cTh\u1ef1c ra, c\u00e1c h\u1ee3p \u0111\u1ed3ng mua b\u00e1n nh\u00e0 h\u00ecnh th\u00e0nh trong t\u01b0\u01a1ng lai \u0111\u00e3 c\u00f3 \u00edt nh\u1ea5t 30% ti\u1ec1n c\u1ee7a c\u00e1c kh\u00e1ch h\u00e0ng trong \u0111\u00f3, n\u00ean ph\u00eda ng\u00e2n h\u00e0ng c\u00f3 cho vay, th\u00ec v\u1eabn kh\u00f4ng s\u1ee3 nh\u00e0 tr\u00ean gi\u1ea5y, d\u1eabn \u0111\u1ebfn n\u1ee3 x\u1ea5u\u201d.<\/p>\n

M\u1ed9t v\u1ea5n \u0111\u1ec1 n\u1eefa \u0111\u01b0\u1ee3c gi\u1edbi ng\u00e2n h\u00e0ng quan t\u00e2m l\u00e0 vi\u1ec7c th\u1ebf ch\u1ea5p d\u1ef1 \u00e1n. Lu\u1eadt s\u01b0 L\u00ea Tr\u1ecdng D\u0169ng, Tr\u01b0\u1edfng ph\u00f2ng Ph\u00e1p ch\u1ebf Vietcombank, gi\u1ea3 \u0111\u1ecbnh: ch\u1ee7 \u0111\u1ea7u t\u01b0 th\u1ebf ch\u1ea5p d\u1ef1 \u00e1n v\u00e0 quy\u1ec1n s\u1eed d\u1ee5ng \u0111\u1ea5t t\u1ea1i m\u1ed9t ng\u00e2n h\u00e0ng, sau \u0111\u00f3 ng\u01b0\u1eddi mua th\u1ebf ch\u1ea5p c\u0103n h\u1ed9 h\u00ecnh th\u00e0nh trong t\u01b0\u01a1ng lai t\u1ea1i ng\u00e2n h\u00e0ng kh\u00e1c th\u00ec quy\u1ec1n l\u1ee3i c\u1ee7a hai ng\u00e2n h\u00e0ng n\u00e0y gi\u1ea3i quy\u1ebft ra sao n\u1ebfu ph\u1ea3i x\u1eed l\u00fd n\u1ee3 do ch\u1ee7 \u0111\u1ea7u t\u01b0 m\u1ea5t kh\u1ea3 n\u0103ng thanh to\u00e1n? T\u1eeb \u0111\u00f3 \u0111\u00e3 th\u1ea5y l\u00e0 b\u00e0i to\u00e1n th\u1ebf ch\u1ea5p t\u00e0i s\u1ea3n h\u00ecnh th\u00e0nh trong t\u01b0\u01a1ng lai kh\u00f4ng h\u1ec1 d\u1ec5.<\/p>\n

Kh\u00f4ng ch\u1ec9 ng\u00e2n h\u00e0ng ch\u1ecbu r\u1ee7i ro, ng\u01b0\u1eddi mua nh\u00e0 c\u0169ng s\u1ebd b\u1ecb \u1ea3nh h\u01b0\u1edfng n\u1ebfu ch\u1ee7 \u0111\u1ea7u t\u01b0 \u0111em to\u00e0n b\u1ed9 d\u1ef1 \u00e1n \u0111i th\u1ebf ch\u1ea5p. Khi \u0111\u00f3, kh\u00e1ch h\u00e0ng bu\u1ed9c ph\u1ea3i ch\u1ecdn ng\u00e2n h\u00e0ng ch\u1ee7 \u0111\u1ea7u t\u01b0 l\u1ef1a ch\u1ecdn. H\u01a1n n\u1eefa, ph\u1ea7n g\u00f3p v\u1ed1n c\u1ee7a kh\u00e1ch h\u00e0ng c\u0169ng l\u00e0 ph\u1ea7n t\u00e0i s\u1ea3n doanh nghi\u1ec7p mang \u0111i th\u1ebf ch\u1ea5p, n\u1ebfu x\u1ea3y ra m\u1ea5t kh\u1ea3 n\u0103ng tr\u1ea3 n\u1ee3, ng\u01b0\u1eddi mua nh\u00e0 s\u1ebd b\u1ecb thi\u1ec7t h\u1ea1i.<\/p>\n

\u00d4ng Phan Trung L\u00fd, Ch\u1ee7 nhi\u1ec7m \u1ee6y ban Ph\u00e1p lu\u1eadt c\u1ee7a Qu\u1ed1c h\u1ed9i v\u1eeba \u0111\u1ec1 ngh\u1ecb, \u0111\u1ec3 g\u00f3p ph\u1ea7n b\u1ea3o \u0111\u1ea3m \u1ed5n \u0111\u1ecbnh th\u1ecb tr\u01b0\u1eddng nh\u00e0 \u1edf, h\u1ea1n ch\u1ebf t\u00ecnh tr\u1ea1ng \u0111\u1ea7u c\u01a1, l\u0169ng \u0111o\u1ea1n, \u0111\u1ec1 ngh\u1ecb c\u1ea7n quy \u0111\u1ecbnh c\u1ee5 th\u1ec3 vi\u1ec7c g\u00f3p v\u1ed1n v\u00e0 ph\u00e2n bi\u1ec7t r\u00f5 hai h\u00ecnh th\u1ee9c huy \u0111\u1ed9ng v\u1ed1n v\u00e0 mua b\u00e1n nh\u00e0 h\u00ecnh th\u00e0nh trong t\u01b0\u01a1ng lai.<\/p>\n

D.Anh<\/strong><\/p>\n

——————<\/p>\n

VEF (Vietnamnet \u2013 Tranh lu\u1eadn Online) 28-5-2014<\/em><\/strong><\/p>\n

https:\/\/vietnamnet.vn\/the-chap-nha-tren-giay-ngan-hang-so-om-them-no-xau-177531.html<\/p>\n

(268\/1.077) #thechap #tuonglai #b\u0111s<\/em>","protected":false},"excerpt":{"rendered":"

(VNN) – Sau r\u1ea5t nhi\u1ec1u l\u1ea7n ch\u1ec9nh s\u1eeda, t\u1eeb 16\/6 t\u1edbi, ng\u01b0\u1eddi mua nh\u00e0 t\u1ea1i c\u00e1c d\u1ef1 \u00e1n nh\u00e0 \u1edf th\u01b0\u01a1ng m\u1ea1i v\u00e0 nh\u00e0 \u1edf x\u00e3 h\u1ed9i s\u1ebd \u0111\u01b0\u1ee3c th\u1ebf ch\u1ea5p t\u00e0i s\u1ea3n h\u00ecnh th\u00e0nh trong t\u01b0\u01a1ng lai \u0111\u1ec3 vay v\u1ed1n mua ch\u00ednh c\u0103n h\u1ed9, nh\u00e0 \u1edf \u0111\u00f3. K\u00edch c\u1ea7u th\u1ecb tr\u01b0\u1eddng C\u1ee5 th\u1ec3,\u00a0t\u1ea1i th\u00f4ng […]<\/p>\n","protected":false},"author":10,"featured_media":21176,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":""},"categories":[27,26],"tags":[42,44,36],"class_list":["post-21159","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-interviews","category-legal-media","tag-luat-su-dat-dai","tag-luat-su-dau-tu","tag-luat-su-ngan-hang"],"acf":[],"yoast_head":"\n505. 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