{"id":21290,"date":"2015-01-29T13:36:38","date_gmt":"2015-01-29T06:36:38","guid":{"rendered":"https:\/\/anvilaw.com\/vi\/?p=21290"},"modified":"2022-05-16T13:41:48","modified_gmt":"2022-05-16T06:41:48","slug":"638-tai-san-dam-bao-vay-von-nan-giai-vuong-mac-xu-ly-no","status":"publish","type":"post","link":"https:\/\/anvilaw.com\/vi\/638-tai-san-dam-bao-vay-von-nan-giai-vuong-mac-xu-ly-no\/","title":{"rendered":"638. T\u00e0i s\u1ea3n \u0111\u1ea3m b\u1ea3o vay v\u1ed1n: Nan gi\u1ea3i v\u01b0\u1edbng m\u1eafc x\u1eed l\u00fd n\u1ee3"},"content":{"rendered":"(\u0110TTC) – <\/strong>T\u1ea1i h\u1ed9i ngh\u1ecb tri\u1ec3n khai nhi\u1ec7m v\u1ee5 ng\u00e0nh ng\u00e2n h\u00e0ng n\u0103m 2015 tr\u00ean \u0111\u1ecba b\u00e0n TPHCM, di\u1ec5n ra v\u00e0o \u0111\u1ea7u tu\u1ea7n n\u00e0y, m\u1ed9t trong nh\u1eefng v\u1ea5n \u0111\u1ec1 \u0111\u01b0\u1ee3c c\u00e1c ng\u00e2n h\u00e0ng th\u01b0\u01a1ng m\u1ea1i (NHTM) nh\u1ea5n m\u1ea1nh l\u00e0 v\u01b0\u1edbng m\u1eafc ph\u00e1p l\u00fd trong vi\u1ec7c x\u1eed l\u00fd t\u00e0i s\u1ea3n \u0111\u1ea3m b\u1ea3o \u0111\u1ec3 thu h\u1ed3i n\u1ee3 x\u1ea5u. \u0110\u00e2y c\u0169ng l\u00e0 v\u1ea5n \u0111\u1ec1 b\u00e1o \u0110TTC \u0111\u00e3 li\u00ean t\u1ee5c ph\u1ea3n \u00e1nh t\u1eeb n\u0103m 2013 \u0111\u1ebfn nay.<\/strong><\/p>\n

Kh\u00f3 kh\u0103n k\u00e9o d\u00e0i<\/strong><\/p>\n

Trong c\u00e1c bu\u1ed5i l\u00e0m vi\u1ec7c c\u1ee7a \u0110o\u00e0n \u0111\u1ea1i bi\u1ec3u Qu\u1ed1c h\u1ed9i TPHCM v\u1edbi c\u00e1c NH tr\u00ean \u0111\u1ecba b\u00e0n n\u0103m 2013, nh\u1eefng v\u01b0\u1edbng m\u1eafc trong x\u1eed l\u00fd t\u00e0i s\u1ea3n \u0111\u1ea3m b\u1ea3o \u0111\u1ed1i v\u1edbi c\u00e1c kho\u1ea3n n\u1ee3 x\u1ea5u \u0111\u00e3 \u0111\u01b0\u1ee3c c\u00e1c NHTM tr\u00ecnh b\u00e0y v\u00e0 ki\u1ebfn ngh\u1ecb s\u1edbm \u0111\u01b0\u1ee3c h\u1ed7 tr\u1ee3 th\u00e1o g\u1ee1, t\u1ea1o \u0111i\u1ec1u ki\u1ec7n thu\u1eadn l\u1ee3i cho c\u00f4ng t\u00e1c thu h\u1ed3i n\u1ee3.<\/p>\n

N\u0103m 2014, c\u00e1c NH ti\u1ebfp t\u1ee5c ki\u1ebfn ngh\u1ecb v\u1edbi \u0110o\u00e0n \u0111\u1ea1i bi\u1ec3u Qu\u1ed1c h\u1ed9i TP v\u00e0 trong h\u1ed9i ngh\u1ecb tri\u1ec3n khai nhi\u1ec7m v\u1ee5 ng\u00e0nh NH n\u0103m 2015 tr\u00ean \u0111\u1ecba b\u00e0n, v\u1ea5n \u0111\u1ec1 n\u00e0y m\u1ed9t l\u1ea7n n\u1eefa \u0111\u01b0\u1ee3c nh\u1eafc l\u1ea1i. C\u1ee5 th\u1ec3, \u00f4ng \u0110\u1ed7 Minh To\u00e0n, T\u1ed5ng gi\u00e1m \u0111\u1ed1c ACB, cho bi\u1ebft c\u00f4ng t\u00e1c x\u1eed l\u00fd n\u1ee3 x\u1ea5u c\u1ee7a NH g\u1eb7p nhi\u1ec1u r\u00e0o c\u1ea3n, \u0111\u1eb7c bi\u1ec7t trong kh\u00e2u thi h\u00e0nh \u00e1n, n\u00ean hi\u1ec7n nay nhi\u1ec1u h\u1ed3 s\u01a1 v\u01b0\u1edbng m\u1eafc v\u1eabn ch\u01b0a x\u1eed l\u00fd \u0111\u01b0\u1ee3c.<\/p>\n

\u00d4ng T\u00f4 Duy L\u00e2m, Gi\u00e1m \u0111\u1ed1c NHNN chi nh\u00e1nh TPHCM, c\u0169ng nh\u1eadn \u0111\u1ecbnh gi\u1ea3i ph\u00e1p x\u1eed l\u00fd t\u00e0i s\u1ea3n \u0111\u1ea3m b\u1ea3o n\u1ee3 vay \u0111\u1ec3 thu h\u1ed3i n\u1ee3 c\u1ee7a c\u00e1c NH tr\u00ean \u0111\u1ecba b\u00e0n s\u1ebd c\u00f2n ti\u1ebfp t\u1ee5c kh\u00f3 kh\u0103n trong n\u0103m nay do nhi\u1ec1u kh\u00e1ch h\u00e0ng kh\u00f4ng h\u1ee3p t\u00e1c; th\u1ee7 t\u1ee5c ph\u00e1t m\u00e3i, \u0111\u1ea5u gi\u00e1 t\u00e0i s\u1ea3n, thi h\u00e0nh \u00e1n c\u00f2n r\u1eafc r\u1ed1i khi\u1ebfn NH m\u1ea5t r\u1ea5t nhi\u1ec1u th\u1eddi gian v\u00e0 t\u1ed1n k\u00e9m chi ph\u00ed \u0111\u1ec3 thu h\u1ed3i n\u1ee3.<\/p>\n\n\n\n
V\u1edbi th\u1eddi gian x\u1eed l\u00fd t\u00e0i s\u1ea3n \u0111\u1ea3m b\u1ea3o k\u00e9o d\u00e0i 3-4 n\u0103m, cho th\u1ea5y ph\u00e1p lu\u1eadt d\u00e2n s\u1ef1 \u0111ang b\u1ea3o v\u1ec7 con n\u1ee3, trong khi quy \u0111\u1ecbnh b\u1ea3o v\u1ec7 quy\u1ec1n c\u1ee7a ch\u1ee7 n\u1ee3 qu\u00e1 y\u1ebfu. Ch\u1ec9 c\u1ea7n con n\u1ee3 kh\u00f4ng h\u1ee3p t\u00e1c, qu\u00e1 tr\u00ecnh x\u1eed l\u00fd t\u00e0i s\u1ea3n \u0111\u1ea3m b\u1ea3o s\u1ebd t\u1eafc ngh\u1ebdn. V\u00ec vi\u1ec7c x\u1eed l\u00fd t\u00e0i s\u1ea3n \u0111\u1ea3m b\u1ea3o li\u00ean quan \u0111\u1ebfn Lu\u1eadt D\u00e2n s\u1ef1, kh\u00f4ng ch\u1ec9 Lu\u1eadt NH, v\u00ec v\u1eady ph\u1ea3i c\u00f3 Ngh\u1ecb quy\u1ebft c\u1ee7a Qu\u1ed1c h\u1ed9i m\u1edbi th\u00e1o g\u1ee1 \u0111\u01b0\u1ee3c nh\u1eefng v\u01b0\u1edbng m\u1eafc.<\/strong><\/p>\n

TS. Tr\u1ea7n Du L\u1ecbch<\/strong>,<\/em>\u00a0<\/em>
\nth\u00e0nh vi\u00ean H\u1ed9i \u0111\u1ed3ng T\u01b0 v\u1ea5n ch\u00ednh s\u00e1ch t\u00e0i ch\u00ednh ti\u1ec1n t\u1ec7 Qu\u1ed1c gia<\/em><\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n

Theo th\u1ed1ng k\u00ea, h\u1ec7 th\u1ed1ng t\u00e0i s\u1ea3n \u0111\u1ea3m b\u1ea3o c\u00e1c NHTM nh\u1eadn th\u1ebf ch\u1ea5p t\u1eeb kh\u00e1ch h\u00e0ng c\u00f3 th\u1ec3 chia th\u00e0nh 7 nh\u00f3m, g\u1ed3m: ph\u01b0\u01a1ng ti\u1ec7n v\u1eadn t\u1ea3i, gi\u1ea5y t\u1edd c\u00f3 gi\u00e1, b\u1ea5t \u0111\u1ed9ng s\u1ea3n, m\u00e1y m\u00f3c thi\u1ebft b\u1ecb, h\u00e0ng h\u00f3a kho h\u00e0ng, t\u00e0i s\u1ea3n ng\u01b0\u1eddi b\u1ea3o l\u00e3nh, quy\u1ec1n t\u00e0i s\u1ea3n.<\/p>\n

Trong \u0111\u00f3 h\u01a1n 60% kho\u1ea3n vay \u0111\u01b0\u1ee3c \u0111\u1ea3m b\u1ea3o b\u1eb1ng b\u1ea5t \u0111\u1ed9ng s\u1ea3n nh\u01b0 nh\u00e0 \u0111\u1ea5t, d\u1ef1 \u00e1n. Khi bu\u1ed9c kh\u00e1ch h\u00e0ng vay v\u1ed1n ph\u1ea3i c\u00f3 t\u00e0i s\u1ea3n th\u1ebf ch\u1ea5p, NH \u0111\u01b0\u1ee3c xem \u201cn\u1eafm \u0111\u1eb1ng chu\u00f4i\u201d, v\u00ec n\u1ebfu kho\u1ea3n vay n\u00e0y tr\u1edf th\u00e0nh n\u1ee3 x\u1ea5u, gi\u1ea3i ph\u00e1p ph\u00e1t m\u00e3i t\u00e0i s\u1ea3n th\u1ebf ch\u1ea5p s\u1ebd gi\u00fap NH thu h\u1ed3i n\u1ee3 x\u1ea5u nhanh ch\u00f3ng nh\u1ea5t.<\/p>\n

X\u1eed l\u00fd t\u00e0i s\u1ea3n \u0111\u1ea3m b\u1ea3o th\u00e0nh c\u00f4ng l\u00e0 ph\u1ea3i thu \u0111\u01b0\u1ee3c ti\u1ec1n m\u1eb7t, ngh\u0129a l\u00e0 ph\u00e1t m\u00e3i t\u00e0i s\u1ea3n \u0111\u1ec3 thu ti\u1ec1n v\u1ec1; n\u1ebfu kh\u00f4ng thu \u0111\u01b0\u1ee3c b\u1eb1ng ti\u1ec1n thu b\u1eb1ng t\u00e0i s\u1ea3n, th\u01b0\u01a1ng l\u01b0\u1ee3ng v\u1edbi kh\u00e1ch h\u00e0ng \u0111\u1ec3 \u0111\u1ecbnh gi\u00e1 v\u00e0 thu h\u1ed3i l\u1ea1i; c\u01a1 c\u1ea5u n\u1ee3, \u0111\u01b0a ra 2 \u0111i\u1ec1u ki\u1ec7n ph\u1ea3i tu\u00e2n th\u1ee7 theo quy \u0111\u1ecbnh c\u1ee7a NHNN.<\/p>\n

Song th\u1ef1c t\u1ebf, x\u1eed l\u00fd t\u00e0i s\u1ea3n \u0111\u1ea3m b\u1ea3o ch\u1ec9 c\u00f3 th\u1ec3 gi\u1ea3i quy\u1ebft nhanh v\u1edbi c\u00e1c t\u00e0i s\u1ea3n th\u1ebf ch\u1ea5p th\u00f4ng th\u01b0\u1eddng, c\u00f2n c\u00e1c kho\u1ea3n n\u1ee3 x\u1ea5u c\u00f3 t\u00e0i s\u1ea3n th\u1ebf ch\u1ea5p l\u00e0 b\u1ea5t \u0111\u1ed9ng s\u1ea3n r\u1ea5t kh\u00f3 x\u1eed l\u00fd. V\u00ec v\u1eady s\u1ed1 l\u01b0\u1ee3ng c\u00e1c h\u1ed3 s\u01a1 b\u00e1n ph\u00e1t m\u00e3i t\u00e0i s\u1ea3n ho\u1eb7c thu t\u00e0i s\u1ea3n th\u00e0nh c\u00f4ng r\u1ea5t \u00edt, trong khi nh\u1eefng h\u1ed3 s\u01a1 kh\u00f4ng x\u1eed l\u00fd \u0111\u01b0\u1ee3c r\u1ea5t nhi\u1ec1u.<\/p>\n

C\u00f3 nhi\u1ec1u nguy\u00ean nh\u00e2n d\u1eabn \u0111\u1ebfn t\u00ecnh tr\u1ea1ng n\u00e0y nh\u01b0 c\u00e1c c\u00e1n b\u1ed9 NH kh\u00f4ng \u0111\u1ee7 kinh nghi\u1ec7m khi nh\u1eadn v\u00e0 x\u1eed l\u00fd t\u00e0i s\u1ea3n \u0111\u1ea3m b\u1ea3o, g\u1eb7p v\u01b0\u1edbng m\u1eafc v\u1ec1 ph\u00e1p l\u00fd do th\u1ee7 t\u1ee5c h\u00e0nh ch\u00ednh ph\u1ee9c t\u1ea1p, c\u01a1 ch\u1ebf ph\u00e1p l\u00fd kh\u00f4ng ph\u00f9 h\u1ee3p v\u00e0 m\u1ed9t s\u1ed1 nguy\u00ean nh\u00e2n kh\u00e1ch quan kh\u00e1c.<\/p>\n

NH b\u1ecb \u0111\u1ed9ng<\/strong><\/p>\n

Lu\u1eadt \u0111\u00e3 c\u00f3 quy \u0111\u1ecbnh r\u00f5 r\u00e0ng c\u00e1c tr\u01b0\u1eddng h\u1ee3p x\u1eed l\u00fd t\u00e0i s\u1ea3n \u0111\u1ea3m b\u1ea3o \u0111\u1ec3 thu h\u1ed3i n\u1ee3, nh\u01b0ng khi b\u1eaft tay v\u00e0o th\u1ef1c hi\u1ec7n ch\u1ea1m \u0111\u1ebfn kh\u00e2u n\u00e0o c\u0169ng v\u01b0\u1edbng. T\u1eeb l\u00fac kho\u1ea3n n\u1ee3 c\u1ee7a kh\u00e1ch h\u00e0ng \u0111\u01b0\u1ee3c chuy\u1ec3n sang nh\u00f3m 3, c\u00e1c NH \u0111\u00e3 ti\u1ebfn h\u00e0nh x\u1eed l\u00fd n\u1ee3. Song hi\u1ebfm v\u1ee5 n\u00e0o \u0111\u01b0\u1ee3c ho\u00e0n th\u00e0nh trong 1 n\u0103m tr\u1edf xu\u1ed1ng, \u0111a s\u1ed1 c\u00e1c h\u1ed3 s\u01a1 k\u00e9o d\u00e0i 3-4 n\u0103m, th\u1eadm ch\u00ed 5-10 n\u0103m do m\u1ea5t th\u1eddi gian kh\u1edfi ki\u1ec7n, thi h\u00e0nh \u00e1n \u201cng\u00e2m\u201d h\u1ed3 s\u01a1.<\/p>\n

Ngo\u00e0i ra, do kh\u00e1ch h\u00e0ng kh\u00f4ng ch\u1ea5p nh\u1eadn b\u00e1n t\u00e0i s\u1ea3n n\u00ean xu\u1ea5t hi\u1ec7n nhi\u1ec1u tr\u01b0\u1eddng h\u1ee3p l\u00e1ch lu\u1eadt, nh\u01b0 kh\u00e1ch h\u00e0ng \u0111i kh\u1ecfi \u0111\u1ecba ph\u01b0\u01a1ng, t\u00e0i s\u1ea3n th\u1ebf ch\u1ea5p cho thu\u00ea khi\u1ebfn t\u00f2a \u00e1n kh\u00f4ng th\u1ec3 th\u1ee5 l\u00fd \u0111\u01b0\u1ee3c h\u1ed3 s\u01a1. Ho\u1eb7c d\u00f9 NH \u0111\u00e3 ch\u1ea5p nh\u1eadn th\u1ee7 t\u1ee5c th\u1ebf ch\u1ea5p c\u1ee5 th\u1ec3 v\u1edbi kh\u00e1ch h\u00e0ng, nh\u01b0ng khi x\u1eed l\u00fd c\u00f3 th\u00eam \u0111\u1ed1i t\u01b0\u1ee3ng th\u1ee9 3 nh\u1ea3y v\u00e0o tranh ch\u1ea5p v\u1edbi l\u00fd do \u0111\u00e3 mua t\u00e0i s\u1ea3n th\u1ebf ch\u1ea5p v\u1edbi h\u1ee3p \u0111\u1ed3ng vi\u1ebft tay, t\u00e0i s\u1ea3n n\u00e0y \u0111\u01b0\u1ee3c chuy\u1ec3n sang t\u00ecnh hu\u1ed1ng c\u00f3 tranh ch\u1ea5p, NH kh\u00f4ng th\u1ec3 ph\u00e1t m\u00e3i\u2026<\/p>\n

Theo quy \u0111\u1ecbnh, ch\u00ednh quy\u1ec1n \u0111\u1ecba ph\u01b0\u01a1ng s\u1ebd h\u1ed7 tr\u1ee3 NH th\u1ef1c hi\u1ec7n quy\u1ec1n c\u1ee7a NH nh\u01b0ng nhi\u1ec1u tr\u01b0\u1eddng h\u1ee3p c\u0169ng kh\u00f4ng nh\u1eadn \u0111\u01b0\u1ee3c s\u1ef1 h\u1ed7 tr\u1ee3 n\u00e0y.<\/p>\n\n\n\n
Th\u1ee7 t\u1ee5c x\u1eed l\u00fd t\u00e0i s\u1ea3n \u0111\u1ea3m b\u1ea3o r\u1ea5t ph\u1ee9c t\u1ea1p, mu\u1ed1n th\u1ef1c hi\u1ec7n ph\u1ea3i c\u00f3 s\u1ef1 \u0111\u1ed3ng thu\u1eadn c\u1ee7a kh\u00e1ch h\u00e0ng, c\u00e1c c\u01a1 quan v\u00e0 ban ng\u00e0nh li\u00ean quan. Khi cho vay, NH quy\u1ebft \u0111\u1ecbnh nh\u01b0ng \u0111\u1ebfn l\u00fac \u0111\u00f2i n\u1ee3, kh\u00e1ch h\u00e0ng tr\u1edf th\u00e0nh ng\u01b0\u1eddi quy\u1ebft \u0111\u1ecbnh. NH kh\u00f4ng thu h\u1ed3i \u0111\u01b0\u1ee3c n\u1ee3, kh\u1edfi ki\u1ec7n ra t\u00f2a \u00e1n th\u00ec m\u1ea5t \u0111\u1ebfn v\u00e0i n\u0103m v\u00e0 t\u1ed1n k\u00e9m chi ph\u00ed. Th\u1ef1c tr\u1ea1ng n\u00e0y c\u1ed9ng v\u1edbi s\u1ef1 \u1ea3m \u0111\u1ea1m k\u00e9o d\u00e0i c\u1ee7a th\u1ecb tr\u01b0\u1eddng b\u1ea5t \u0111\u1ed9ng s\u1ea3n v\u00e0 ch\u1ee9ng kho\u00e1n khi\u1ebfn gi\u1ea3i ph\u00e1p n\u00e0y kh\u00f4ng ph\u00e1t huy hi\u1ec7u qu\u1ea3.<\/strong><\/p>\n

Lu\u1eadt s\u01b0<\/em>\u00a0Tr\u01b0\u01a1ng Thanh \u0110\u1ee9c<\/strong>,<\/em>
\nCh\u1ee7 nhi\u1ec7m C\u00e2u l\u1ea1c b\u1ed9 Ph\u00e1p ch\u1ebf NH<\/em><\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n

Trong qu\u00e1 tr\u00ecnh x\u1eed l\u00fd n\u1ee3 x\u1ea5u, c\u00e1c NHTM \u0111\u00e3 th\u1ef1c hi\u1ec7n nhi\u1ec1u gi\u1ea3i ph\u00e1p nh\u01b0 c\u01a1 c\u1ea5u l\u1ea1i n\u1ee3, thu h\u1ed3i n\u1ee3, x\u1eed l\u00fd t\u00e0i s\u1ea3n b\u1ea3o \u0111\u1ea3m; s\u1eed d\u1ee5ng d\u1ef1 ph\u00f2ng r\u1ee7i ro \u0111\u1ec3 x\u1eed l\u00fd n\u1ee3; ti\u1ebft gi\u1ea3m chi ph\u00ed, h\u1ea1n ch\u1ebf t\u0103ng l\u01b0\u01a1ng, th\u01b0\u1edfng, th\u00f9 lao, chia c\u1ed5 t\u1ee9c, l\u1ee3i nhu\u1eadn \u0111\u1ec3 t\u1eadp trung tr\u00edch l\u1eadp d\u1ef1 ph\u00f2ng r\u1ee7i ro v\u00e0 b\u00e1n n\u1ee3 cho C\u00f4ng ty Qu\u1ea3n l\u00fd t\u00e0i s\u1ea3n c\u00e1c TCTD Vi\u1ec7t Nam (VAMC).<\/p>\n

Trong \u0111\u00f3, c\u00e1c kho\u1ea3n n\u1ee3 \u0111\u01b0\u1ee3c x\u1eed l\u00fd th\u00f4ng qua gi\u1ea3i ph\u00e1p x\u1eed l\u00fd t\u00e0i s\u1ea3n \u0111\u1ea3m b\u1ea3o c\u00f3 th\u1ec3 xem l\u00e0 \u201cn\u1ee3 ch\u1ebft\u201d NH ph\u1ea3i ch\u1ecbu. B\u1edfi VAMC ch\u1ec9 mua nh\u1eefng kho\u1ea3n n\u1ee3 t\u1ed1t, ho\u1eb7c c\u00f3 th\u1ec3 x\u1eed l\u00fd \u0111\u01b0\u1ee3c trong nh\u00f3m n\u1ee3 x\u1ea5u, c\u00f2n nh\u1eefng kho\u1ea3n n\u1ee3 kh\u00f4ng c\u00f3 kh\u1ea3 n\u0103ng thu h\u1ed3i NH ph\u1ea3i t\u1ef1 x\u1eed l\u00fd th\u00f4ng qua ph\u00e1t m\u00e3i t\u00e0i s\u1ea3n \u0111\u1ea3m b\u1ea3o.<\/p>\n

L\u00e3nh \u0111\u1ea1o c\u00e1c NH cho r\u1eb1ng v\u1edbi nh\u1eefng tr\u01b0\u1eddng h\u1ee3p n\u00e0y n\u1ebfu b\u1ea3o \u0111\u1ea3m \u0111\u00fang tr\u00ecnh t\u1ef1 theo lu\u1eadt \u0111\u1ecbnh c\u00f3 th\u1ec3 d\u1ec5 d\u00e0ng x\u1eed l\u00fd nhanh, nh\u01b0ng do ch\u01b0a \u0111\u01b0\u1ee3c h\u1ed7 tr\u1ee3 \u0111\u1ea7y \u0111\u1ee7 n\u00ean r\u1ea5t nhi\u1ec1u kho\u1ea3n n\u1ee3 x\u1ea5u nhi\u1ec1u n\u0103m li\u1ec1n kh\u00f4ng gi\u1ea3i quy\u1ebft \u0111\u01b0\u1ee3c. Trong khi \u0111\u00f3, Ngh\u1ecb \u0111\u1ecbnh 163\/2006\/N\u0110-CP quy \u0111\u1ecbnh chi ti\u1ebft thi h\u00e0nh m\u1ed9t s\u1ed1 \u0111i\u1ec1u c\u1ee7a B\u1ed9 lu\u1eadt D\u00e2n s\u1ef1 v\u1ec1 vi\u1ec7c x\u00e1c l\u1eadp, th\u1ef1c hi\u1ec7n giao d\u1ecbch b\u1ea3o \u0111\u1ea3m \u0111\u1ec3 th\u1ef1c hi\u1ec7n ngh\u0129a v\u1ee5 d\u00e2n s\u1ef1 v\u00e0 x\u1eed l\u00fd t\u00e0i s\u1ea3n b\u1ea3o \u0111\u1ea3m c\u00f3 quy \u0111\u1ecbnh.<\/p>\n

Theo \u0111\u00f3, trong tr\u01b0\u1eddng h\u1ee3p t\u00e0i s\u1ea3n \u0111\u01b0\u1ee3c d\u00f9ng \u0111\u1ec3 b\u1ea3o \u0111\u1ea3m th\u1ef1c hi\u1ec7n m\u1ed9t ngh\u0129a v\u1ee5, vi\u1ec7c x\u1eed l\u00fd t\u00e0i s\u1ea3n \u0111\u00f3 \u0111\u01b0\u1ee3c th\u1ef1c hi\u1ec7n theo th\u1ecfa thu\u1eadn c\u1ee7a c\u00e1c b\u00ean; n\u1ebfu kh\u00f4ng c\u00f3 th\u1ecfa thu\u1eadn, t\u00e0i s\u1ea3n \u0111\u01b0\u1ee3c b\u00e1n \u0111\u1ea5u gi\u00e1 theo quy \u0111\u1ecbnh c\u1ee7a ph\u00e1p lu\u1eadt.<\/p>\n

Nh\u01b0ng theo B\u1ed9 lu\u1eadt D\u00e2n s\u1ef1, h\u1ee3p \u0111\u1ed3ng mua b\u00e1n ph\u1ea3i l\u00e0 ch\u1ee7 t\u00e0i s\u1ea3n hay \u0111\u1ea1i di\u1ec7n lu\u1eadt ph\u00e1p \u0111\u01b0\u1ee3c \u1ee7y quy\u1ec1n, v\u00ec v\u1eady d\u00f9 t\u00e0i s\u1ea3n th\u1ebf ch\u1ea5p \u0111\u01b0\u1ee3c c\u00f4ng ch\u1ee9ng, nh\u01b0ng ph\u00eda c\u00f4ng ch\u1ee9ng c\u0169ng kh\u00f4ng th\u1ec3 th\u1ef1c hi\u1ec7n th\u1ee7 t\u1ee5c sang t\u00ean \u0111\u1ed5i ch\u1ee7 cho b\u1ea5t \u0111\u1ed9ng s\u1ea3n \u0111\u00f3 n\u1ebfu ch\u1ee7 t\u00e0i s\u1ea3n kh\u00f4ng \u0111\u1ed3ng \u00fd, kh\u00f4ng \u1ee7y quy\u1ec1n r\u00f5 r\u00e0ng, th\u1eadm ch\u00ed khi\u1ebfu n\u1ea1i vi\u1ec7c x\u1eed l\u00fd t\u00e0i s\u1ea3n b\u1ea3o \u0111\u1ea3m c\u1ee7a NH.<\/p>\n

Ngo\u00e0i ra, c\u00f2n c\u00f3 nh\u1eefng tr\u01b0\u1eddng h\u1ee3p c\u01a1 quan t\u00e0i ph\u00e1n \u0111\u01b0a ra nh\u1eefng nh\u1eadn \u0111\u1ecbnh kh\u00f4ng \u0111\u1ed3ng nh\u1ea5t khi x\u1eed l\u00fd tranh ch\u1ea5p khi\u1ebfn s\u1ef1 vi\u1ec7c tr\u1edf n\u00ean ph\u1ee9c t\u1ea1p h\u01a1n. Ch\u1eb3ng h\u1ea1n c\u00f3 tr\u01b0\u1eddng h\u1ee3p t\u00f2a \u00e1n nh\u1ea7m l\u1eabn quy \u0111\u1ecbnh c\u1ee7a B\u1ed9 lu\u1eadt D\u00e2n s\u1ef1 n\u0103m 2005 v\u1edbi B\u1ed9 lu\u1eadt D\u00e2n s\u1ef1 n\u0103m 1995 \u0111\u00e3 h\u1ebft hi\u1ec7u l\u1ef1c v\u1ec1 h\u1ee3p \u0111\u1ed3ng th\u1ebf ch\u1ea5p v\u00e0 h\u1ee3p \u0111\u1ed3ng b\u1ea3o l\u00e3nh th\u1ebf ch\u1ea5p, d\u1eabn \u0111\u1ebfn vi\u1ec7c tuy\u00ean b\u1ed1 v\u00f4 hi\u1ec7u v\u1edbi h\u1ee3p \u0111\u1ed3ng th\u1ebf ch\u1ea5p c\u1ee7a b\u00ean th\u1ee9 3 cho kho\u1ea3n vay NH. V\u1edbi th\u1ef1c tr\u1ea1ng \u0111\u00f3, c\u00f3 th\u1ec3 th\u1ea5y, r\u1ee7i ro c\u1ee7a NH khi x\u1eed l\u00fd t\u00e0i s\u1ea3n \u0111\u1ea3m b\u1ea3o thu h\u1ed3i n\u1ee3 x\u1ea5u r\u1ea5t l\u1edbn.<\/p>\n

C\u1ea7n s\u1ef1 h\u1ed7 tr\u1ee3 li\u00ean ng\u00e0nh<\/strong><\/p>\n

Qu\u00e1 tr\u00ecnh x\u1eed l\u00fd t\u00e0i s\u1ea3n \u0111\u1ea3m b\u1ea3o nhi\u00eau kh\u00ea khi\u1ebfn NH thi\u1ebfu ch\u1ee7 \u0111\u1ed9ng, \u0111\u00e3 \u1ea3nh h\u01b0\u1edfng kh\u00f4ng nh\u1ecf \u0111\u1ebfn kh\u1ea3 n\u0103ng t\u0103ng tr\u01b0\u1edfng t\u00edn d\u1ee5ng v\u00e0 vi\u1ec7c ti\u1ebfp c\u1eadn v\u1ed1n c\u1ee7a doanh nghi\u1ec7p. Khi thi\u1ebft l\u1eadp quan h\u1ec7 v\u1edbi kh\u00e1ch h\u00e0ng m\u1edbi, NH s\u1ebd th\u1eadn tr\u1ecdng h\u01a1n, tr\u00e1ch nhi\u1ec7m \u0111\u1ed1i v\u1edbi c\u00e1c kho\u1ea3n n\u1ee3 x\u1ea5u c\u1ee7a c\u00e1n b\u1ed9 t\u00edn d\u1ee5ng c\u0169ng n\u1eb7ng n\u1ec1 h\u01a1n n\u00ean s\u1ef1 t\u1ef1 tin trong cho vay k\u00e9m h\u01a1n.<\/p>\n

Nh\u1eadn \u0111\u1ecbnh v\u1ec1 qu\u00e1 tr\u00ecnh x\u1eed l\u00fd t\u00e0i s\u1ea3n \u0111\u1ea3m b\u1ea3o \u0111\u1ec3 thu h\u1ed3i n\u1ee3 x\u1ea5u c\u1ee7a c\u00e1c NHTM, TS. Tr\u1ea7n Du L\u1ecbch cho r\u1eb1ng khi th\u1ecb tr\u01b0\u1eddng b\u1ea5t \u0111\u1ed9ng s\u1ea3n s\u1ed1t \u1ea3o, c\u00e1c NHTM \u0111\u1ecbnh gi\u00e1 cao \u0111\u1ec3 cho vay, nay b\u1ea5t \u0111\u1ed9ng s\u1ea3n \u0111\u00e3 gi\u1ea3m gi\u00e1, k\u00e9o gi\u00e1 tr\u1ecb t\u00e0i s\u1ea3n \u0111\u1ea3m b\u1ea3o gi\u1ea3m theo n\u00ean r\u1ea5t kh\u00f3 gi\u1ea3i quy\u1ebft.<\/p>\n

Theo TS. L\u1ecbch, kh\u00f4ng c\u00f3 qu\u1ed1c gia n\u00e0o vi\u1ec7c gi\u1ea3i quy\u1ebft ph\u00e1t m\u00e3i t\u00e0i s\u1ea3n th\u1ebf ch\u1ea5p b\u1eb1ng b\u1ea5t \u0111\u1ed9ng s\u1ea3n l\u1ea1i kh\u00f3 kh\u0103n, nhi\u00eau kh\u00ea nh\u01b0 \u1edf Vi\u1ec7t Nam. Th\u1ee7 t\u1ee5c thanh l\u00fd, qu\u00e1 tr\u00ecnh x\u1eed l\u00fd t\u00e0i s\u1ea3n \u0111\u1ea3m b\u1ea3o \u0111\u1ec3 thu h\u1ed3i n\u1ee3 x\u1ea5u c\u1ee7a NHTM th\u1eddi gian qua b\u1ecb ngh\u1ebdn ch\u1ee7 y\u1ebfu do th\u1ee7 t\u1ee5c h\u00e0nh ch\u00ednh, vi\u1ec7c b\u00e1n t\u00e0i s\u1ea3n ph\u1ea3i tr\u1ea3i qua qu\u00e1 tr\u00ecnh ph\u1ee9c t\u1ea1p, n\u1ebfu con n\u1ee3 kh\u00f4ng h\u1ee3p t\u00e1c c\u00e0ng ph\u1ee9c t\u1ea1p h\u01a1n.<\/p>\n\n\n\n\n
\"\"<\/td>\n<\/tr>\n
NH g\u1ea7n nh\u01b0 b\u1ecb \u0111\u1ed9ng khi ph\u00e1t m\u00e3i t\u00e0i s\u1ea3n th\u1ebf ch\u1ea5p<\/em>\u00a0<\/em>
\nc\u1ee7a kh\u00e1ch h\u00e0ng m\u1ea5t kh\u1ea3 n\u0103ng chi tr\u1ea3. \u1ea2nh: LONG THANH<\/em><\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n

Th\u00e1o g\u1ee1 v\u01b0\u1edbng m\u1eafc n\u00e0y, \u00f4ng Phan Huy Khang, T\u1ed5ng gi\u00e1m \u0111\u1ed1c Sacombank, \u0111\u00e3 nhi\u1ec1u l\u1ea7n ki\u1ebfn ngh\u1ecb c\u00f3 s\u1ef1 h\u1ed7 tr\u1ee3 li\u00ean ng\u00e0nh, t\u1eeb B\u1ed9 T\u01b0 ph\u00e1p \u0111\u1ebfn thi h\u00e0nh \u00e1n\u2026 B\u1edfi l\u1ebd, vi\u1ec7c x\u1eed l\u00fd t\u00e0i s\u1ea3n \u0111\u1ea3m b\u1ea3o k\u00e9o d\u00e0i s\u1ebd \u1ea3nh h\u01b0\u1edfng d\u00f2ng v\u1ed1n lu\u00e2n chuy\u1ec3n n\u1ec1n kinh t\u1ebf.<\/p>\n

\u00d4ng Tr\u1ea7n Ng\u1ecdc H\u1ea3i, Tr\u01b0\u1edfng V\u0103n ph\u00f2ng \u0111\u1ea1i di\u1ec7n Agribank t\u1ea1i TPHCM, c\u0169ng \u0111\u1ec1 ngh\u1ecb B\u1ed9 C\u00f4ng an v\u00e0 NHNN s\u1edbm ban h\u00e0nh th\u00f4ng t\u01b0 li\u00ean t\u1ecbch v\u1ec1 x\u1eed l\u00fd t\u00e0i s\u1ea3n \u0111\u1ea3m b\u1ea3o, \u0111\u1ed3ng th\u1eddi UBND TPHCM ch\u1ec9 \u0111\u1ea1o c\u00e1c c\u01a1 quan ph\u00e1p lu\u1eadt ban h\u00e0nh th\u00f4ng t\u01b0 li\u00ean ng\u00e0nh h\u1ed7 tr\u1ee3 \u0111\u1ea9y nhanh ti\u1ebfn \u0111\u1ed9 thu h\u1ed3i n\u1ee3 th\u00f4ng qua c\u00f4ng t\u00e1c thi h\u00e0nh \u00e1n.<\/p>\n

\u00d4ng \u0110\u1ed7 Minh To\u00e0n cho r\u1eb1ng UBND TPHCM n\u00ean t\u1ed5 ch\u1ee9c ch\u1ee7 tr\u00ec m\u1ed9t cu\u1ed9c h\u1ecdp v\u1ec1 x\u1eed l\u00fd n\u1ee3 gi\u1eefa NH v\u00e0 c\u01a1 quan ch\u1ee9c n\u0103ng \u0111\u1ec3 h\u1ed7 tr\u1ee3 NH x\u1eed l\u00fd c\u00e1c h\u1ed3 s\u01a1 v\u01b0\u1edbng m\u1eafc. Song song \u0111\u00f3, c\u01a1 quan qu\u1ea3n l\u00fd n\u00ean quy ho\u1ea1ch l\u1ea1i nh\u1eefng d\u1ef1 \u00e1n b\u1ea5t \u0111\u1ed9ng s\u1ea3n \u0111\u00e3 qu\u00e1 l\u00e2u cho ph\u00f9 h\u1ee3p v\u1edbi gi\u00e1 th\u1ecb tr\u01b0\u1eddng hi\u1ec7n nay, gi\u00fap NH h\u1ee3p l\u00fd h\u00f3a gi\u00e1 ph\u00f9 h\u1ee3p trong vi\u1ec7c th\u1ea9m \u0111\u1ecbnh t\u00e0i s\u1ea3n do gi\u00e1 b\u1ea5t \u0111\u1ed9ng s\u1ea3n \u0111ang gi\u1ea3m m\u1ea1nh.<\/p>\n

\u0110\u1ed7 Linh<\/strong><\/p>\n

\u2014\u2014\u2014\u2014<\/em><\/p>\n

\u0110\u1ea7u t\u01b0 T\u00e0i ch\u00ednh 29-01-2015:<\/em><\/strong><\/p>\n

http:\/\/www.saigondautu.com.vn\/Pages\/20150128\/Nan-giai-vuong-mac-xu-ly-no.aspx<\/em><\/a><\/p>\n

(110\/2.005)","protected":false},"excerpt":{"rendered":"

(\u0110TTC) – T\u1ea1i h\u1ed9i ngh\u1ecb tri\u1ec3n khai nhi\u1ec7m v\u1ee5 ng\u00e0nh ng\u00e2n h\u00e0ng n\u0103m 2015 tr\u00ean \u0111\u1ecba b\u00e0n TPHCM, di\u1ec5n ra v\u00e0o \u0111\u1ea7u tu\u1ea7n n\u00e0y, m\u1ed9t trong nh\u1eefng v\u1ea5n \u0111\u1ec1 \u0111\u01b0\u1ee3c c\u00e1c ng\u00e2n h\u00e0ng th\u01b0\u01a1ng m\u1ea1i (NHTM) nh\u1ea5n m\u1ea1nh l\u00e0 v\u01b0\u1edbng m\u1eafc ph\u00e1p l\u00fd trong vi\u1ec7c x\u1eed l\u00fd t\u00e0i s\u1ea3n \u0111\u1ea3m b\u1ea3o \u0111\u1ec3 thu h\u1ed3i n\u1ee3 […]<\/p>\n","protected":false},"author":3,"featured_media":21291,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":""},"categories":[27,26],"tags":[],"class_list":["post-21290","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-interviews","category-legal-media"],"acf":[],"yoast_head":"\n638. T\u00e0i s\u1ea3n \u0111\u1ea3m b\u1ea3o vay v\u1ed1n: Nan gi\u1ea3i v\u01b0\u1edbng m\u1eafc x\u1eed l\u00fd 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\/638-tai-san-dam-bao-vay-von-nan-giai-vuong-mac-xu-ly-no\/\" \/>\n<meta property=\"og:locale\" content=\"vi_VN\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"[:vi]638. 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