{"id":21588,"date":"2015-04-13T10:20:41","date_gmt":"2015-04-13T03:20:41","guid":{"rendered":"https:\/\/anvilaw.com\/vi\/?p=21588"},"modified":"2022-05-17T10:23:20","modified_gmt":"2022-05-17T03:23:20","slug":"680-ngan-hang-moc-tui-nguoi-dung-the","status":"publish","type":"post","link":"https:\/\/anvilaw.com\/vi\/680-ngan-hang-moc-tui-nguoi-dung-the\/","title":{"rendered":"680. Ng\u00e2n h\u00e0ng ‘m\u00f3c t\u00fai’ ng\u01b0\u1eddi d\u00f9ng th\u1ebb"},"content":{"rendered":"(TN) – <\/strong>Kh\u00f4ng ch\u1ec9 b\u00e0y ra \u201cma tr\u1eadn\u201d ph\u00ed, kh\u00f4ng \u00edt\u00a0ng\u00e2n h\u00e0ng\u00a0<\/a>\u0111ang t\u1eadn d\u1ee5ng m\u1ecdi \u201cchi\u00eau tr\u00f2\u201d, k\u1ebd h\u1edf \u0111\u1ec3 \u0103n ch\u1eb7n, m\u00f3c t\u00fai ng\u01b0\u1eddi d\u00f9ng th\u1ebb.<\/strong><\/p>\n\n\n\n
\"\"<\/p>\n

Minh h\u1ecda: DAD<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n

V\u1edbi l\u1ee3i th\u1ebf c\u00f4ng ngh\u1ec7, kinh nghi\u1ec7m b\u00e1n l\u1ebb, c\u00e1c ng\u00e2n h\u00e0ng (NH) ANZ, HSBC\u2026 hay t\u1ed5 ch\u1ee9c ph\u00e1t h\u00e0nh th\u1ebb l\u1edbn Visa, Master \u0111ang chi\u1ebfm l\u0129nh\u00a0th\u1ecb tr\u01b0\u1eddng th\u1ebb VN<\/a>. \u0110\u00e1ng n\u00f3i l\u00e0 m\u1ed9t s\u1ed1 NH t\u1eadn d\u1ee5ng t\u1ed1i \u0111a c\u00e1c k\u1ebd h\u1edf, chi\u00eau tr\u00f2 g\u00e2y thi\u1ec7t h\u1ea1i quy\u1ec1n l\u1ee3i c\u1ee7a kh\u00e1ch h\u00e0ng.<\/p>\n

\u201c\u0102n ch\u1eb7n\u201d ph\u00ed duy tr\u00ec t\u00e0i kho\u1ea3n<\/strong><\/p>\n

Ch\u1ecb Q. (H\u00e0 N\u1ed9i) ph\u1ea3n \u00e1nh, ng\u00e0y 20.3 ch\u1ecb c\u00f3 m\u1edf m\u1ed9t t\u00e0i kho\u1ea3n giao d\u1ecbch \u1edf NH A. Tr\u01b0\u1edbc khi m\u1edf, nh\u00e2n vi\u00ean NH th\u00f4ng b\u00e1o ph\u1ea3i duy tr\u00ec s\u1ed1 d\u01b0 trung b\u00ecnh h\u1eb1ng th\u00e1ng t\u1ed1i thi\u1ec3u t\u00ednh tr\u00ean t\u1ea5t c\u1ea3 c\u00e1c t\u00e0i kho\u1ea3n (t\u1ed5ng s\u1ed1 d\u01b0) 50 tri\u1ec7u \u0111\u1ed3ng ho\u1eb7c 2.500 USD, n\u1ebfu kh\u00f4ng s\u1ebd b\u1ecb tr\u1eeb 200.000 \u0111\u1ed3ng. S\u1ee3 b\u1ecb tr\u1eeb ti\u1ec1n n\u00ean ch\u1ecb Q. ph\u1ea3i n\u1ea1p ngay 50 tri\u1ec7u \u0111\u1ed3ng v\u00e0o t\u00e0i kho\u1ea3n. Th\u1ebf nh\u01b0ng, \u0111\u1ebfn chi\u1ec1u 7.4 tin nh\u1eafn \u0111i\u1ec7n tho\u1ea1i v\u1eabn th\u00f4ng b\u00e1o tr\u1eeb 200.000 \u0111\u1ed3ng khi s\u1ed1 d\u01b0 t\u00e0i kho\u1ea3n c\u1ee7a ch\u1ecb v\u1eabn \u0111\u1ee7 50 tri\u1ec7u. Khi g\u1ecdi \u0111i\u1ec7n cho nh\u00e2n vi\u00ean \u0111\u1ec3 khi\u1ebfu n\u1ea1i, ch\u1ecb \u0111\u01b0\u1ee3c gi\u1ea3i th\u00edch nguy\u00ean nh\u00e2n tr\u1eeb v\u00ec m\u1ed7i th\u00e1ng kh\u00e1ch h\u00e0ng ph\u1ea3i tr\u1ea3 200.000 \u0111\u1ed3ng ph\u00ed duy tr\u00ec t\u00e0i kho\u1ea3n. \u201cTh\u1ebf t\u1ee9c l\u00e0 c\u1ee9 kh\u00e1ch h\u00e0ng n\u00e0o m\u1edf t\u00e0i kho\u1ea3n l\u00e0 s\u1ebd b\u1ecb thu 200.000 \u0111\u1ed3ng, tr\u1eeb c\u00e1c kh\u00e1ch h\u00e0ng m\u1edf \u0111\u00fang ng\u00e0y 1 c\u1ee7a th\u00e1ng. R\u00f5 r\u00e0ng l\u00e0 \u0103n ch\u1eb7n c\u1ee7a kh\u00e1ch h\u00e0ng c\u00f2n g\u00ec n\u1eefa. T\u1eeb l\u00fac m\u1edf t\u00e0i kho\u1ea3n t\u00f4i lu\u00f4n duy tr\u00ec s\u1ed1 d\u01b0 50 tri\u1ec7u th\u1ebf m\u00e0 c\u00f2n b\u1ecb \u0103n ch\u1eb7n 200.000 \u0111\u1ed3ng\u201d, ch\u1ecb Q. b\u1ee9c x\u00fac.<\/p>\n\n\n\n
<\/td>\n\n\n\n\n\n\n
<\/td>\n<\/tr>\n
Qu\u00e1 b\u1ea5t h\u1ee3p l\u00fd<\/strong><\/p>\n

TS Cao S\u0129 Ki\u00eam, nguy\u00ean Th\u1ed1ng \u0111\u1ed1c NHNN nh\u1eadn \u0111\u1ecbnh: \u201cL\u00e3i su\u1ea5t ph\u1ea1t qu\u00e1 h\u1ea1n th\u00ec NH qu\u1ed1c gia n\u00e0o c\u0169ng \u00e1p d\u1ee5ng. Nh\u01b0ng ph\u1ea1t l\u00ean t\u1edbi m\u1ea5y ch\u1ee5c ph\u1ea7n tr\u0103m th\u00ec qu\u00e1 cao, qu\u00e1 b\u1ea5t h\u1ee3p l\u00fd. Trong khi l\u1ea1m ph\u00e1t th\u1ea5p, l\u00e3i su\u1ea5t cho vay \u0111ang \u0111\u01b0\u1ee3c k\u00e9o gi\u1ea3m m\u00e0 \u0111\u1ec3 nh\u01b0 v\u1eady \u0111\u1ed1i v\u1edbi kh\u00e1ch h\u00e0ng s\u1ebd r\u1ea5t thi\u1ec7t th\u00f2i\u201d.<\/td>\n<\/tr>\n

<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n

S\u1ed1 ti\u1ec1n \u00edt nh\u01b0ng kh\u00f4ng b\u1eb1ng l\u00f2ng v\u1edbi c\u00e1ch cung c\u1ea5p d\u1ecbch v\u1ee5 c\u1ee7a NH, ch\u1ecb Q. ti\u1ebfp t\u1ee5c khi\u1ebfu n\u1ea1i qua t\u1ed5ng \u0111\u00e0i, cho r\u1eb1ng th\u1ebb m\u00ecnh m\u1edf m\u1edbi \u0111\u01b0\u1ee3c h\u01a1n 10 ng\u00e0y, ch\u01b0a \u0111\u01b0\u1ee3c 1 th\u00e1ng, kh\u00f4ng th\u1ec3 t\u00f9y ti\u1ec7n t\u00ednh to\u00e1n r\u1ed3i t\u1ef1 \u0111\u1ed9ng tr\u1eeb ti\u1ec1n nh\u01b0 v\u1eady. \u201cNh\u00e2n vi\u00ean n\u00f3i s\u1ebd b\u00e1o c\u00e1o s\u1ebfp tr\u01b0\u1eddng h\u1ee3p n\u00e0y. T\u00f4i b\u1ee9c x\u00fac truy t\u1edbi c\u00f9ng th\u00ec sau \u0111\u00f3 h\u1ecd h\u1ee9a s\u1ebd tr\u1ea3 l\u1ea1i ti\u1ec1n. Th\u1eadt qu\u00e1 v\u00f4 l\u00fd\u201d, ch\u1ecb Q. ph\u1ea3n \u00e1nh.<\/p>\n

Anh N.X.V (Q.Ba \u0110\u00ecnh, H\u00e0 N\u1ed9i) cho bi\u1ebft m\u1edf th\u1ebb t\u00edn d\u1ee5ng Visa h\u1ea1ng v\u00e0ng t\u1ea1i HSBC. H\u1eb1ng th\u00e1ng v\u1eabn thanh to\u00e1n \u0111\u1ec1u \u0111\u1eb7n s\u1ed1 d\u01b0, nh\u01b0ng c\u00f3 1 th\u00e1ng \u0111i c\u00f4ng t\u00e1c b\u1ecb qu\u00e1 h\u1ea1n 1 ng\u00e0y, l\u1eadp t\u1ee9c to\u00e0n b\u1ed9 h\u01a1n 50 tri\u1ec7u \u0111\u1ed3ng s\u1ed1 d\u01b0 trong t\u00e0i kho\u1ea3n anh \u0111\u00e3 chi ti\u00eau trong th\u00e1ng b\u1ecb bi\u1ebfn th\u00e0nh kho\u1ea3n vay v\u1edbi l\u00e3i su\u1ea5t l\u00ean t\u1edbi g\u1ea7n 30%\/n\u0103m. Ch\u01b0a h\u1ebft, anh c\u00f2n ph\u1ea3i tr\u1ea3 th\u00eam chi ph\u00ed ch\u1eadm thanh to\u00e1n b\u1eb1ng 4% kho\u1ea3n n\u1ee3 t\u1ed1i thi\u1ec3u.<\/p>\n

So v\u1edbi m\u1eb7t b\u1eb1ng l\u00e3i su\u1ea5t huy \u0111\u1ed9ng b\u00ecnh qu\u00e2n 4 – 5%\/n\u0103m, l\u00e3i su\u1ea5t cho vay h\u01a1n 10%\/n\u0103m hi\u1ec7n nay, anh V. chua x\u00f3t: \u201cTh\u00e1ng n\u00e0o t\u00f4i c\u0169ng ph\u1ea3i tr\u1ea3 c\u1ea3 l\u00e3i v\u00e0 ti\u1ec1n ch\u1eadm n\u1ed9p h\u01a1n 1,2 tri\u1ec7u \u0111\u1ed3ng. Ph\u1ea1t kh\u00e1ch h\u00e0ng kh\u1ee7ng khi\u1ebfp th\u1ebf n\u00e0y th\u00ec ai d\u00e1m d\u00f9ng th\u1ebb t\u00edn d\u1ee5ng n\u1eefa\u201d.<\/p>\n\n\n\n
\"\"<\/p>\n

Kh\u00e1ch h\u00e0ng \u0111ang ph\u1ea3i ch\u1ecbu nhi\u1ec1u lo\u1ea1i ph\u00ed v\u00f4 l\u00fd khi d\u00f9ng th\u1ebb t\u00edn d\u1ee5ng – \u1ea2nh: Anh V\u0169<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n

L\u00e3i ph\u1ea1t \u201cc\u1eaft c\u1ed5\u201d<\/strong><\/p>\n

Nh\u00ecn v\u00e0o bi\u1ec3u ph\u00ed c\u00f4ng b\u1ed1 hi\u1ec7n nay t\u1ea1i m\u1ed9t s\u1ed1 NH kh\u00f4ng \u00edt kh\u00e1ch h\u00e0ng cho\u00e1ng v\u00e1ng.<\/p>\n

T\u1ea1i ANZ, m\u1ee9c ph\u00ed sao k\u00ea t\u00e0i kho\u1ea3n \u0111\u01b0\u1ee3c t\u00ednh theo trang nh\u01b0: sao k\u00ea trong v\u00f2ng 12 th\u00e1ng 20.000 \u0111\u1ed3ng ho\u1eb7c 1 USD\/trang; tr\u01b0\u1edbc 12 th\u00e1ng 40.000 \u0111\u1ed3ng ho\u1eb7c 10 USD\/trang. Ti\u1ebfp \u0111\u1ebfn d\u1ecbch v\u1ee5 x\u00e1c nh\u1eadn s\u1ed1 d\u01b0 ho\u1eb7c th\u00f4ng tin t\u00e0i kho\u1ea3n 200.000 \u0111\u1ed3ng ho\u1eb7c 10 USD trong v\u00f2ng 2 ng\u00e0y l\u00e0m vi\u1ec7c. Mu\u1ed1n nhanh h\u01a1n, t\u1ee9c trong v\u00f2ng 1 ng\u00e0y l\u00e0m vi\u1ec7c 300.000 \u0111\u1ed3ng ho\u1eb7c 15 USD. Tra so\u00e1t giao d\u1ecbch t\u00e0i kho\u1ea3n 300.000 \u0111\u1ed3ng ho\u1eb7c 15 USD. B\u00e1o c\u00f3\/b\u00e1o n\u1ee3 nh\u1eadn t\u1ea1i NH 20.000 \u0111\u1ed3ng ho\u1eb7c 1 USD\/trang\u2026<\/p>\n

T\u1ea1i HSBC bi\u1ec3u ph\u00ed c\u0169ng th\u00f4ng b\u00e1o r\u00f5 n\u1ebfu kh\u00f4ng thanh to\u00e1n s\u1ed1 d\u01b0 tr\u00ean t\u00e0i kho\u1ea3n tr\u01b0\u1edbc ng\u00e0y \u0111\u00e1o h\u1ea1n m\u1ed7i th\u00e1ng, to\u00e0n b\u1ed9 s\u1ed1 n\u00e0y s\u1ebd b\u1ecb ph\u1ea1t l\u00e3i su\u1ea5t. C\u1ee5 th\u1ec3: th\u1ebb Visa B\u1ea1ch kim 27,8%\/n\u0103m, th\u1ebb Visa V\u00e0ng 28%\/n\u0103m v\u00e0 B\u1ea1ch kim 31,2%\/n\u0103m.<\/p>\n

Trao \u0111\u1ed5i v\u1edbi\u00a0Thanh Ni\u00ean,\u00a0lu\u1eadt s\u01b0 Tr\u01b0\u01a1ng Thanh \u0110\u1ee9c, Ch\u1ee7 nhi\u1ec7m C\u00e2u l\u1ea1c b\u1ed9 Ph\u00e1p ch\u1ebf NH (thu\u1ed9c Hi\u1ec7p h\u1ed9i NH VN),\u00a0<\/em>Gi\u00e1m \u0111\u1ed1c C\u00f4ng ty Lu\u1eadt TNHH ANVI<\/em>\u00a0cho bi\u1ebft, b\u1ea3n th\u00e2n \u00f4ng c\u0169ng \u0111\u00e3 t\u1eebng l\u00e0 n\u1ea1n nh\u00e2n c\u1ee7a c\u00e1c nh\u00e0 b\u0103ng khi s\u1eed d\u1ee5ng th\u1ebb t\u00edn d\u1ee5ng. \u201cM\u1ed9t lo\u1ea1t c\u00e1c lo\u1ea1i ph\u00ed v\u00e0 l\u00e3i su\u1ea5t cao ch\u00f3t v\u00f3t kh\u00f4ng gi\u1ed1ng \u1edf \u0111\u00e2u m\u00e0 h\u1ecd c\u0169ng ban h\u00e0nh. T\u00f4i m\u1edf \u0111\u01b0\u1ee3c m\u1ed9t th\u1eddi gian c\u0169ng ph\u1ea3i \u0111\u00f3ng th\u1ebb l\u1ea1i\u201d, lu\u1eadt s\u01b0 \u0110\u1ee9c n\u00f3i. Li\u00ean quan \u0111\u1ebfn v\u1ee5 NH A. thu ph\u00ed 200.000 \u0111\u1ed3ng c\u1ee7a ch\u1ecb Q, theo lu\u1eadt s\u01b0 \u0110\u1ee9c, NH \u0111\u00e3 c\u1ed1 t\u00ecnh b\u1edfi vi\u1ec7c tr\u1eeb ti\u1ec1n duy tr\u00ec ph\u1ea3i \u0111\u1ee7 30 ng\u00e0y v\u00e0 t\u00ednh t\u1eeb ng\u00e0y kh\u00e1ch h\u00e0ng m\u1edf th\u1ebb l\u00e0 20.3 ch\u1ee9 kh\u00f4ng ph\u1ea3i t\u00ednh t\u1eeb \u0111\u1ea7u th\u00e1ng. \u201cN\u1ebfu h\u1ecd kh\u00f4ng tr\u1ea3 ti\u1ec1n c\u00f3 th\u1ec3 khi\u1ebfu n\u1ea1i l\u00ean NHNN, th\u1eadm ch\u00ed kh\u1edfi ki\u1ec7n ra t\u00f2a\u201d, \u00f4ng \u0110\u1ee9c kh\u1eb3ng \u0111\u1ecbnh.<\/em><\/p>\n

Trong khi \u0111\u00f3, m\u1ed9t l\u00e3nh \u0111\u1ea1o NH th\u01b0\u01a1ng m\u1ea1i c\u1ed5 ph\u1ea7n t\u1ea1i H\u00e0 N\u1ed9i th\u1eeba nh\u1eadn, hi\u1ec7n nay c\u00e1c NH th\u01b0\u1eddng \u0111\u01b0a ra bi\u1ec3u ph\u00ed nh\u01b0ng l\u1ea1i kh\u00f4ng bao g\u1ed3m c\u00e1c kho\u1ea3n ph\u00ed c\u00f3 th\u1ec3 ph\u00e1t sinh. R\u1ea5t nhi\u1ec1u c\u00e1c d\u1ecbch v\u1ee5 kh\u00f4ng \u0111\u01b0\u1ee3c n\u00eau t\u1ea1i bi\u1ec3u ph\u00ed s\u1ebd \u0111\u01b0\u1ee3c cung c\u1ea5p v\u1edbi m\u1ee9c ph\u00ed t\u01b0\u01a1ng \u1ee9ng \u0111\u01b0\u1ee3c th\u00f4ng b\u00e1o t\u1ea1i th\u1eddi \u0111i\u1ec3m c\u00f3 y\u00eau c\u1ea7u. \u201cC\u00e1c NH c\u00f3 \u0111i\u1ec1u lu\u1eadt ri\u00eang nh\u01b0ng kh\u00f4ng bao gi\u1edd th\u00f4ng b\u00e1o c\u1ee5 th\u1ec3 chi ti\u1ebft cho kh\u00e1ch h\u00e0ng. \u0110i\u1ec1u n\u00e0y r\u1ea5t c\u1ea5m k\u1ef5 \u0111\u1ed1i v\u1edbi c\u00e1c qu\u1ed1c gia ph\u00e1t tri\u1ec3n v\u00ec n\u00f3 li\u00ean quan \u0111\u1ebfn s\u1ef1 c\u00f4ng khai, minh b\u1ea1ch v\u00e0 quy\u1ec1n l\u1ee3i thi\u1ebft th\u00e2n c\u1ee7a kh\u00e1ch h\u00e0ng\u201d, l\u00e3nh \u0111\u1ea1o n\u00e0y n\u00f3i.<\/p>\n

Anh V\u0169<\/strong><\/p>\n

\u2014\u2014\u2014\u2013<\/em><\/strong><\/p>\n

Thanh ni\u00ean (Kinh t\u1ebf) 13-4-2015:<\/em><\/strong><\/p>\n

http:\/\/www.thanhnien.com.vn\/kinh-te\/ngan-hang-moc-tui-nguoi-dung-the-551154.html<\/em><\/p>\n

(148\/1.046)<\/em>","protected":false},"excerpt":{"rendered":"

(TN) – Kh\u00f4ng ch\u1ec9 b\u00e0y ra \u201cma tr\u1eadn\u201d ph\u00ed, kh\u00f4ng \u00edt\u00a0ng\u00e2n h\u00e0ng\u00a0\u0111ang t\u1eadn d\u1ee5ng m\u1ecdi \u201cchi\u00eau tr\u00f2\u201d, k\u1ebd h\u1edf \u0111\u1ec3 \u0103n ch\u1eb7n, m\u00f3c t\u00fai ng\u01b0\u1eddi d\u00f9ng th\u1ebb. Minh h\u1ecda: DAD V\u1edbi l\u1ee3i th\u1ebf c\u00f4ng ngh\u1ec7, kinh nghi\u1ec7m b\u00e1n l\u1ebb, c\u00e1c ng\u00e2n h\u00e0ng (NH) ANZ, HSBC\u2026 hay t\u1ed5 ch\u1ee9c ph\u00e1t h\u00e0nh th\u1ebb l\u1edbn Visa, Master \u0111ang […]<\/p>\n","protected":false},"author":3,"featured_media":21590,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":""},"categories":[27,26],"tags":[],"class_list":["post-21588","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-interviews","category-legal-media"],"acf":[],"yoast_head":"\n680. 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