{"id":21444,"date":"2013-11-18T17:05:54","date_gmt":"2013-11-18T10:05:54","guid":{"rendered":"https:\/\/anvilaw.com\/vi\/?p=21444"},"modified":"2022-05-16T17:09:11","modified_gmt":"2022-05-16T10:09:11","slug":"412-sau-dai-an-ngan-hang-sep-vo-tu-nhan-vien-run-ray-cho-vay","status":"publish","type":"post","link":"https:\/\/anvilaw.com\/vi\/412-sau-dai-an-ngan-hang-sep-vo-tu-nhan-vien-run-ray-cho-vay\/","title":{"rendered":"412. Sau \u0111\u1ea1i \u00e1n ng\u00e2n h\u00e0ng, s\u1ebfp v\u00f4 t\u00f9, nh\u00e2n vi\u00ean run r\u1ea9y cho vay"},"content":{"rendered":"(IFN) – H\u00e0ng lo\u1ea1t s\u1ebfp ng\u00e0nh ng\u00e2n h\u00e0ng b\u1ecb b\u1eaft do d\u00ednh nghi \u00e1n tham nh\u0169ng, cho vay sai nguy\u00ean t\u1eafc khi\u1ebfn \u0111\u1ed9i ng\u0169 nh\u00e2n vi\u00ean t\u00edn d\u1ee5ng ng\u00e0y c\u00e0ng d\u00e8 ch\u1eebng, run r\u1ea9y th\u1ea9m \u0111\u1ecbnh h\u1ed3 s\u01a1 vay t\u00edn d\u1ee5ng.<\/strong><\/p>\n

Sa ch\u00e2n l\u00e0 l\u0129nh \u00e1n<\/strong><\/p>\n

Con s\u1ed1 20 l\u00e3nh \u0111\u1ea1o c\u1ea5p cao trong l\u0129nh v\u1ef1c ng\u00e2n h\u00e0ng ph\u1ea3i “v\u00f4 kh\u00e1m” t\u1eeb \u0111\u1ea7u th\u00e1ng 9 t\u1edbi nay \u0111ang g\u00e2y r\u00fang \u0111\u1ed9ng d\u01b0 lu\u1eadn. G\u1ea7n \u0111\u00e2y nh\u1ea5t l\u00e0 v\u1ee5 b\u1eaft gi\u1eef h\u00e0ng lo\u1ea1t Gi\u00e1m \u0111\u1ed1c chi nh\u00e1nh, Ph\u00f3 gi\u00e1m \u0111\u1ed1c chi nh\u00e1nh, Tr\u01b0\u1edfng b\u1ed9 ph\u1eadn quan h\u1ec7 kh\u00e1ch h\u00e0ng, c\u00e1n b\u1ed9 t\u00edn d\u1ee5ng… c\u1ee7a NHTMCP An B\u00ecnh (ABBank) chi nh\u00e1nh B\u1ea1c Li\u00eau, NHTMCP Ngo\u1ea1i th\u01b0\u01a1ng Vi\u1ec7t Nam (Vietcombank) chi nh\u00e1nh S\u00f3c Tr\u0103ng do sai ph\u1ea1m trong quan h\u1ec7 cho vay v\u1edbi doanh nghi\u1ec7p “\u0111\u1ea1i gia” m\u1ed9t th\u1eddi \u2013 C\u00f4ng ty CP Th\u1ee7y s\u1ea3n Ph\u01b0\u01a1ng Nam… H\u00e0ng lo\u1ea1t s\u1ebfp ng\u00e0nh ng\u00e2n h\u00e0ng v\u00e0o t\u00f9 \u0111\u00e3 ph\u1ea7n n\u00e0o b\u1ed9c l\u1ed9 “m\u1ea3ng t\u1ed1i” trong l\u0129nh v\u1ef1c n\u00e0y.<\/p>\n\n\n\n\n
\"\"<\/td>\n<\/tr>\n
V\u00ec l\u1ee3i \u00edch b\u1ea3n th\u00e2n nhi\u1ec1u c\u00e1n b\u1ed9 ng\u00e2n h\u00e0ng \u0111\u00e3 sa ch\u00e2n v\u00e0o v\u0169ng l\u1ea7y tham nh\u0169ng<\/em><\/p>\n

\u1ea2nh minh h\u1ecda t\u1eeb internet.<\/em><\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n

L\u00e3nh \u0111\u1ea1o b\u1ecb b\u1eaft, c\u00e1n b\u1ed9 t\u00edn d\u1ee5ng run r\u1ea9y cho vay<\/strong><\/p>\n

C\u0169ng b\u1edfi r\u1ea5t d\u1ec5 sa ch\u00e2n m\u00e0 nhi\u1ec1u c\u00e1n b\u1ed9 t\u00edn d\u1ee5ng \u0111\u00e0nh ng\u1eadm ng\u00f9i ngh\u1ec9 vi\u1ec7c ho\u1eb7c chuy\u1ec3n sang l\u00e0m l\u0129nh v\u1ef1c kh\u00e1c. Ch\u1ecb Ph\u01b0\u01a1ng t\u1eebng gi\u1eef v\u1ecb tr\u00ed tr\u01b0\u1edfng b\u1ed9 ph\u1eadn quan h\u1ec7 kh\u00e1ch h\u00e0ng doanh nghi\u1ec7p c\u1ee7a m\u1ed9t ng\u00e2n h\u00e0ng ngo\u1ea1i t\u1ea1i H\u00e0 N\u1ed9i t\u00e2m s\u1ef1, sau hai n\u0103m l\u00e0m t\u1ea1i v\u1ecb tr\u00ed n\u00e0y kh\u00f4ng, ph\u1ea3i \u0111\u1ed1i di\u1ec7n v\u1edbi nh\u1eefng t\u00ecnh hu\u1ed1ng “s\u1ed1ng d\u1edf ch\u1ebft d\u1edf” ch\u1ecb \u0111\u00e0nh xin ngh\u1ec9, ra kinh doanh ri\u00eang.<\/p>\n

“Nhi\u1ec1u doanh nghi\u1ec7p l\u00e0 kh\u00e1ch h\u00e0ng quen c\u1ee7a s\u1ebfp, kh\u00f4ng cho vay c\u0169ng d\u1edf m\u00e0 cho vay th\u00ec ch\u1ebft. G\u1eb7p nh\u1eefng t\u00ecnh hu\u1ed1ng n\u00e0y nhi\u1ec1u l\u00fac \u0111\u00e0nh ch\u00e2m ch\u01b0\u1edbc cho h\u1ed3 s\u01a1 c\u1ee7a h\u1ecd, doanh nghi\u1ec7p vay ti\u1ec1n r\u1ed3i kinh doanh t\u1ed1t kh\u00f4ng sao, ch\u1ee9 r\u01a1i v\u00e0o doanh nghi\u1ec7p c\u1ea7m ti\u1ec1n vay r\u1ed3i l\u00e0m \u0103n thua l\u1ed7, n\u1ee3 vay bi\u1ebfn th\u00e0nh n\u1ee3 x\u1ea5u th\u00ec c\u00e1n b\u1ed9 t\u00edn d\u1ee5ng c\u0169ng s\u1ebd l\u00e3nh \u0111\u1ee7”- ch\u1ecb Ph\u01b0\u01a1ng chia s\u1ebb. Ph\u1ee5 tr\u00e1ch m\u1ea3ng t\u00edn d\u1ee5ng doanh nghi\u1ec7p m\u1ed9t th\u1eddi gian ch\u1ecb Ph\u01b0\u01a1ng nh\u1eadn ra, r\u1eb1ng ngh\u1ec1 t\u00edn d\u1ee5ng ch\u1eb3ng “lung linh” nh\u01b0 nh\u1eefng g\u00ec m\u1ecdi ng\u01b0\u1eddi v\u1eabn h\u1eb1ng m\u01b0\u1eddng t\u01b0\u1ee3ng v\u1ec1 n\u00f3. V\u1ea5t v\u1ea3, lu\u00f4n ti\u1ec1m \u1ea9n r\u1ee7i ro l\u00e0 nh\u1eefng g\u00ec ch\u1ecb Ph\u01b0\u01a1ng \u0111\u00fac k\u1ebft \u0111\u01b0\u1ee3c sau m\u1ed9t th\u1eddi gian l\u00e0m ngh\u1ec1.<\/p>\n

R\u1ee7i ro lu\u00f4n r\u00ecnh r\u1eadp n\u00ean d\u1ec5 hi\u1ec3u khi \u1edf m\u1ed9t NHTM l\u1edbn (n\u1eb1m trong top 4 NHTM l\u1edbn nh\u1ea5t hi\u1ec7n nay) c\u00f3 s\u1ef1 lu\u00e2n chuy\u1ec3n li\u00ean t\u1ee5c v\u1ecb tr\u00ed Ph\u00f3 t\u1ed5ng gi\u00e1m \u0111\u1ed1c ph\u1ee5 tr\u00e1ch t\u00edn d\u1ee5ng. \u0110\u00e3 t\u1eebng nhi\u1ec1u n\u0103m l\u00e0m trong l\u0129nh v\u1ef1c ng\u00e2n h\u00e0ng, lu\u1eadt s\u01b0 Tr\u01b0\u01a1ng Thanh \u0110\u1ee9c, Gi\u00e1m \u0111\u1ed1c C\u00f4ng ty Lu\u1eadt ANVI, kh\u00f4ng ng\u1ea1c nhi\u00ean v\u1ec1 hi\u1ec7n t\u01b0\u1ee3ng tr\u00ean. \u00d4ng cho r\u1eb1ng, \u0111\u00e2y l\u00e0 v\u1ecb tr\u00ed “n\u00f3ng” nh\u1ea5t trong ng\u00e0nh ng\u00e2n h\u00e0ng, ai “\u0111\u1ee9ng m\u0169i ch\u1ecbu s\u00e0o” v\u1ecb tr\u00ed n\u00e0y \u0111\u1ec1u l\u00e0 nh\u1eefng ng\u01b0\u1eddi c\u00f3 th\u1ea7n kinh th\u00e9p trong b\u1ed1i c\u1ea3nh hi\u1ec7n nay. Kh\u00f4ng h\u1eb3n l\u00e0 do v\u1ecb l\u00e3nh \u0111\u1ea1o qu\u1ea3n l\u00fd y\u1ebfu k\u00e9m khi\u1ebfn b\u1ed9 ph\u1eadn kh\u00f4ng \u0111\u1ea1t doanh s\u1ed1, ch\u1ec9 ti\u00eau m\u00e0 nhi\u1ec1u tr\u01b0\u1eddng h\u1ee3p h\u1ecd t\u1ef1 nguy\u1ec7n xin \u0111\u01b0\u1ee3c \u0111i\u1ec1u chuy\u1ec3n v\u1ecb tr\u00ed l\u00e0m vi\u1ec7c.<\/em><\/p>\n

“T\u00f4i c\u00f3 anh b\u1ea1n l\u00e0m Ph\u00f3 t\u1ed5ng gi\u00e1m \u0111\u1ed1c ph\u1ee5 tr\u00e1ch t\u00edn d\u1ee5ng t\u1ea1i m\u1ed9t ng\u00e2n h\u00e0ng l\u1edbn t\u1eebng t\u00e2m s\u1ef1, c\u00f3 l\u1ebd ch\u1ec9 l\u00e0m trong ng\u00e0nh ng\u00e2n h\u00e0ng v\u00e0i ba n\u0103m n\u1eefa ho\u1eb7c l\u00e0 anh s\u1ebd xin chuy\u1ec3n, ho\u1eb7c ra ngo\u00e0i l\u00e0m kinh doanh ri\u00eang v\u00ec nhi\u1ec1u l\u00fac t\u01b0\u1edfng ch\u1eebng ph\u00e1t \u0111i\u00ean v\u00ec \u00e1p l\u1ef1c qu\u00e1 l\u1edbn”- \u00f4ng \u0110\u1ee9c n\u00f3i. \u0110\u1eb7c bi\u1ec7t, trong l\u00fac th\u1ecb tr\u01b0\u1eddng kh\u00f3 kh\u0103n, nh\u00ecn \u0111\u00e2u \u0111\u00e2u c\u0169ng th\u1ea5y n\u1ee3 x\u1ea5u, th\u00ec \u00e1p l\u1ef1c l\u00ean b\u1ed9 ph\u1eadn t\u00edn d\u1ee5ng, ng\u01b0\u1eddi \u0111\u1ee9ng \u0111\u1ea7u ph\u1ee5 tr\u00e1ch b\u1ed9 ph\u1eadn l\u00e0 r\u1ea5t l\u1edbn.<\/em><\/p>\n

“Nhi\u1ec1u s\u1ebfp sa l\u01b0\u1edbi ph\u00e1p lu\u1eadt n\u00ean nh\u00e2n vi\u00ean t\u00edn d\u1ee5ng b\u00e2y gi\u1edd cho vay c\u0169ng run nh\u01b0 c\u1ea7y s\u1ea5y, v\u00ec ki\u1ec3u g\u00ec c\u0169ng sai, m\u00e0 sai l\u00e0 ch\u1ebft. Ngay c\u1ea3 ng\u01b0\u1eddi c\u1ef1c k\u1ef3 s\u00e0nh s\u1ecfi, c\u00f3 kinh nghi\u1ec7m nhi\u1ec1u l\u00fac n\u1ebfu kh\u00f4ng “t\u1ec9nh” c\u0169ng c\u00f3 th\u1ec3 d\u00ednh \u0111\u00f2n nh\u01b0 ch\u01a1i”- Lu\u1eadt s\u01b0 \u0110\u1ee9c chia s\u1ebb.<\/em><\/p>\n

V\u1ecb lu\u1eadt s\u01b0 c\u00f3 19 n\u0103m kinh nghi\u1ec7m v\u1ec1 l\u0129nh v\u1ef1c ph\u00e1p ch\u1ebf v\u00e0 nghi\u1ec7p v\u1ee5 ng\u00e2n h\u00e0ng nh\u1eadn \u0111\u1ecbnh, s\u1edf d\u0129 t\u1ed9i ph\u1ea1m ng\u00e2n h\u00e0ng “n\u1edf r\u1ed9” v\u00e0 l\u00e0m n\u00f3ng ran c\u00e1c m\u1eb7t b\u00e1o th\u1eddi gian qua m\u1ed9t ph\u1ea7n l\u00e0 do qu\u1ea3n tr\u1ecb r\u1ee7i ro v\u00e0 qu\u1ea3n l\u00fd con ng\u01b0\u1eddi t\u1ea1i nh\u1eefng ng\u00e2n h\u00e0ng tr\u00ean y\u1ebfu. Ph\u00e1t tri\u1ec3n qu\u00e1 n\u00f3ng n\u00ean nh\u00e2n vi\u00ean ng\u00e2n h\u00e0ng d\u00f9 sau khi \u0111\u01b0\u1ee3c tuy\u1ec3n d\u1ee5ng \u0111\u00e3 \u0111\u01b0\u1ee3c ng\u00e2n h\u00e0ng \u0111\u00e0o t\u1ea1o nh\u01b0ng v\u1eabn thi\u1ebfu ki\u1ebfn th\u1ee9c, kh\u00f4ng n\u1eafm ch\u1eafc th\u1ee7 t\u1ee5c quy tr\u00ecnh.<\/em><\/p>\n

“L\u00e0m sao c\u00f3 th\u1ec3 \u0111\u00f2i h\u1ecfi c\u00e1n b\u1ed9 kh\u00f4ng h\u1ecdc lu\u1eadt ng\u00e0y n\u00e0o, kh\u00f4ng c\u00f3 kinh nghi\u1ec7m t\u1eebng tr\u1ea3i ph\u1ea3i lao v\u00e0o kinh doanh, “ch\u1ea1y” l\u00e0m sao cho \u0111\u1ee7 doanh s\u1ed1, ch\u1ec9 ti\u00eau h\u00e0ng tu\u1ea7n,th\u00e1ng<\/em>.<\/p>\n

Trong v\u0103n b\u1ea3n tr\u1ea3 l\u1eddi ch\u1ea5t v\u1ea5n g\u1eedi c\u00e1c \u0110BQH, Th\u1ed1ng \u0111\u1ed1c NHNN Nguy\u1ec5n V\u0103n B\u00ecnh th\u1eeba nh\u1eadn, th\u1eddi gian qua d\u00f9 ng\u00e0nh ng\u00e2n h\u00e0ng v\u00e0 c\u00e1c c\u01a1 quan ch\u1ee9c n\u0103ng \u0111\u00e3 r\u1ea5t n\u1ed7 l\u1ef1c trong c\u00f4ng t\u00e1c \u0111\u1ea5u tranh ph\u00f2ng, ch\u1ed1ng t\u1ed9i ph\u1ea1m trong l\u0129nh v\u1ef1c ng\u00e2n h\u00e0ng, nh\u01b0ng t\u1ea1i m\u1ed9t s\u1ed1 nh\u00e0 b\u0103ng v\u1eabn ph\u00e1 sinh v\u1ee5 vi\u1ec7c ti\u00eau c\u1ef1c, nh\u1ea5t l\u00e0 trong l\u0129nh v\u1ef1c c\u1ea5p t\u00edn d\u1ee5ng. N\u0103m 2012 v\u00e0 6 th\u00e1ng \u0111\u1ea7u n\u0103m 2013, NHNN \u0111\u00e3 chuy\u1ec3n 19 h\u1ed3 s\u01a1 v\u1ee5 vi\u1ec7c sang c\u01a1 quan c\u00f4ng an \u0111\u1ec3 x\u1eed l\u00fd.<\/p>\n

“M\u1ed9t b\u1ed9 ph\u1eadn c\u00e1n b\u1ed9 ng\u00e2n h\u00e0ng th\u1eadm ch\u00ed c\u00f3 c\u1ea3 c\u00e1n b\u1ed9 c\u1ea5p cao c\u1ee7a NHTM suy tho\u00e1i v\u1ec1 \u0111\u1ea1o \u0111\u1ee9c ngh\u1ec1 nghi\u1ec7p v\u00e0 vi ph\u1ea1m quy \u0111\u1ecbnh c\u1ee7a ph\u00e1p lu\u1eadt, th\u1eadm ch\u00ed c\u00e2u k\u1ebft v\u1edbi c\u00e1c \u0111\u1ed1i t\u01b0\u1ee3ng b\u00ean ngo\u00e0i \u0111\u1ec3 ph\u1ea1m t\u1ed9i. H\u1ed9i \u0111\u1ed3ng qu\u1ea3n tr\u1ecb, h\u1ed9i \u0111\u1ed3ng th\u00e0nh vi\u00ean, ban \u0111i\u1ec1u h\u00e0nh c\u1ee7a m\u1ed9t s\u1ed1 TCTD c\u00f2n bu\u00f4ng l\u1ecfng qu\u1ea3n l\u00fd v\u00e0 ch\u01b0a th\u1ef1c s\u1ef1 quan t\u00e2m, ch\u01b0a c\u00f3 bi\u1ec7n ph\u00e1p ph\u00f2ng, ch\u1ed1ng tham nh\u0169ng, t\u1ed9i ph\u1ea1m c\u00f3 hi\u1ec7u qu\u1ea3”- Th\u1ed1ng \u0111\u1ed1c NHNN.<\/p>\n

B\u00ean c\u1ea1nh n\u1ed7i lo v\u1ec1 n\u1ee3 x\u1ea5u “kh\u1ee7ng”, t\u00e1i c\u01a1 c\u1ea5u h\u1ec7 th\u1ed1ng ng\u00e2n h\u00e0ng… th\u00ec t\u1ed9i ph\u1ea1m ng\u00e2n h\u00e0ng \u0111ang n\u1ed5i l\u00ean nh\u01b0 l\u00e0 nh\u1eefng “ung nh\u1ecdt” c\u1ea7n \u0111\u01b0\u1ee3c “di\u1ec7t” tri\u1ec7t \u0111\u1ec3 ng\u00e0nh ng\u00e2n h\u00e0ng l\u1ea5y l\u1ea1i h\u00ecnh \u1ea3nh b\u1ea5y l\u00e2u \u0111\u00e3 x\u1ea5u \u0111i \u00edt nhi\u1ec1u trong m\u1eaft c\u00f4ng ch\u00fang.<\/p>\n

Kh\u00f4ng ng\u1ea1c nhi\u00ean khi hay tin th\u00eam m\u1ed9t v\u00e0i l\u00e3nh \u0111\u1ea1o ng\u00e2n h\u00e0ng b\u1ecb b\u1eaft v\u00ec cho vay sai nguy\u00ean t\u1eafc v\u1edbi nh\u1eefng doanh nghi\u1ec7p \u0111\u1ea1i gia m\u1ed9t th\u1eddi, lu\u1eadt s\u01b0 Tr\u01b0\u01a1ng Thanh \u0110\u1ee9c \u2013 Gi\u00e1m \u0111\u1ed1c C\u00f4ng ty Lu\u1eadt ANVI c\u00f2n \u0111\u01b0a ra con s\u1ed1 gi\u1eadt m\u00ecnh, c\u1ee9 10 v\u1ee5 \u00e1n tham nh\u0169ng th\u00ec t\u1edbi 9 v\u1ee5 li\u00ean quan t\u1edbi ng\u00e0nh ng\u00e2n h\u00e0ng.<\/em><\/p>\n

“To\u00e0n b\u1ed9 c\u00e1n b\u1ed9 ng\u00e2n h\u00e0ng d\u00ednh \u0111\u1ebfn cho vay, giao d\u1ecbch \u0111\u1ec1u c\u00f3 th\u1ec3 ph\u1ea1m t\u1ed9i. T\u00edn d\u1ee5ng l\u00e0 l\u0129nh v\u1ef1c d\u1ec5 “d\u00ednh \u0111\u00f2n” nh\u1ea5t”- lu\u1eadt s\u01b0 \u0110\u1ee9c n\u00f3i. Kh\u00f3 c\u00f3 b\u1ed9 h\u1ed3 s\u01a1 vay t\u00edn d\u1ee5ng n\u00e0o chu\u1ea9n 100%, \u0111\u1ea1t \u0111\u01b0\u1ee3c 80-90% \u0111\u00e3 l\u00e0 t\u1ed1t l\u1eafm r\u1ed3i. Nh\u01b0ng ch\u1ec9 c\u1ea7n 1% sai th\u00ec c\u00e1n b\u1ed9 t\u00edn d\u1ee5ng c\u00f3 th\u1ec3 b\u1ecb truy t\u1ed1 tr\u00e1ch nhi\u1ec7m ho\u1eb7c ng\u1ed3i t\u00f9 n\u1ebfu s\u1ef1 vi\u1ec7c nghi\u00eam tr\u1ecdng.<\/em><\/p>\n

Tr\u01b0\u1eddng Giang<\/strong><\/p>\n

———————————————-<\/p>\n

Infonet 18-11-2013 (M\u1ee5c Ti\u1ec1n t\u1ec7):<\/em><\/strong><\/p>\n

http:\/\/infonet.vn\/Kinh-doanh\/Sau-dai-an-ngan-hang-sep-vo-tu-nhan-vien-run-ray-cho-vay\/120439.info<\/a><\/em><\/p>\n

(511\/1.202)","protected":false},"excerpt":{"rendered":"

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