{"id":21848,"date":"2014-09-23T11:55:31","date_gmt":"2014-09-23T04:55:31","guid":{"rendered":"https:\/\/anvilaw.com\/vi\/?p=21848"},"modified":"2022-05-18T12:24:05","modified_gmt":"2022-05-18T05:24:05","slug":"559-thong-doc-noi-gi-ve-phi-tra-no-ngan-hang-truoc-han","status":"publish","type":"post","link":"https:\/\/anvilaw.com\/vi\/559-thong-doc-noi-gi-ve-phi-tra-no-ngan-hang-truoc-han\/","title":{"rendered":"559. Th\u1ed1ng \u0111\u1ed1c n\u00f3i g\u00ec v\u1ec1 ph\u00ed tr\u1ea3 n\u1ee3 ng\u00e2n h\u00e0ng tr\u01b0\u1edbc h\u1ea1n?"},"content":{"rendered":"

(NL\u0110) – Th\u1ed1ng \u0111\u1ed1c Ng\u00e2n h\u00e0ng Nh\u00e0 n\u01b0\u1edbc Nguy\u1ec5n V\u0103n B\u00ecnh v\u1eeba c\u00f3 v\u0103n b\u1ea3n tr\u1ea3 l\u1eddi c\u1eed tri t\u1ec9nh An Giang v\u1ec1 v\u1ea5n \u0111\u1ec1 n\u00f3ng m\u00e0 d\u01b0 lu\u1eadn quan t\u00e2m l\u00e0 ph\u00ed tr\u1ea3 n\u1ee3 ng\u00e2n h\u00e0ng tr\u01b0\u1edbc h\u1ea1n.<\/strong><\/p>\n

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Tr\u01b0\u1edbc \u0111\u00f3, trong m\u1ed9t ki\u1ebfn ngh\u1ecb g\u1eedi \u0111\u1ebfn Th\u1ed1ng \u0111\u1ed1c\u00a0Nguy\u1ec5n V\u0103n B\u00ecnh<\/a>, c\u1eed tri An Giang \u0111\u1ec1 ngh\u1ecb Th\u1ed1ng \u0111\u1ed1c n\u00ean gi\u1ea3m b\u1edbt ph\u00ed tr\u1ea3\u00a0n\u1ee3 ng\u00e2n h\u00e0ng<\/a>\u00a0tr\u01b0\u1edbc h\u1ea1n t\u1eeb m\u1ee9c 5% t\u00ednh tr\u00ean t\u1ed5ng d\u1ef1 n\u1ee3 hi\u1ec7n nay xu\u1ed1ng c\u00f2n 2-3% \u0111\u1ec3 gi\u1ea3m g\u00e1nh n\u1eb7ng cho ng\u01b0\u1eddi vay v\u1ed1n.<\/p>\n

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\"\u1ea2nh<\/em><\/div>\n
\u1ea2nh minh h\u1ecda<\/em><\/div>\n<\/div>\n

Th\u1ed1ng \u0111\u1ed1c Nguy\u1ec5n V\u0103n B\u00ecnh<\/a>\u00a0cho bi\u1ebft vi\u1ec7c thu ph\u00ed tr\u1ea3 n\u1ee3 tr\u01b0\u1edbc h\u1ea1n \u0111\u01b0\u1ee3c quy \u0111\u1ecbnh t\u1ea1i Quy\u1ebft \u0111\u1ecbnh s\u1ed1 1627\/2001\/Q\u0110-NHNN ng\u00e0y 31-12-2001 v\u00e0 Th\u00f4ng t\u01b0 s\u1ed1 05-2011\/TT-NHNN ng\u00e0y 10-3-2011. Theo \u0111\u00f3,\u00a0t\u1ed5 ch\u1ee9c t\u00edn d\u1ee5ng<\/a>\u00a0v\u00e0 kh\u00e1ch h\u00e0ng \u0111\u01b0\u1ee3c th\u1ecfa thu\u1eadn v\u1ec1 m\u1ee9c ph\u00ed ph\u1ea3i tr\u1ea3 trong tr\u01b0\u1eddng h\u1ee3p kh\u00e1ch h\u00e0ng tr\u1ea3 n\u1ee3 tr\u01b0\u1edbc h\u1ea1n.<\/p>\n

Quy \u0111\u1ecbnh n\u00e0y l\u00e0 ph\u00f9 h\u1ee3p v\u1edbi th\u1ef1c t\u1ebf. V\u00ec khi cho vay, t\u1ed5 ch\u1ee9c t\u00edn d\u1ee5ng ph\u1ea3i c\u00e2n \u0111\u1ed1i ngu\u1ed3n v\u1ed1n huy \u0111\u1ed9ng c\u1ee7a m\u00ecnh (bao g\u1ed3m ti\u1ec1n g\u1eedi c\u1ee7a t\u1ed5 ch\u1ee9c, c\u00e1 nh\u00e2n, ngu\u1ed3n v\u1ed1n \u0111i vay v\u00e0 c\u00e1c ngu\u1ed3n v\u1ed1n kh\u00e1c) c\u1ea3 v\u1ec1 l\u00e3i su\u1ea5t v\u00e0 k\u1ef3 h\u1ea1n \u0111\u1ec3 \u0111\u00e1p \u1ee9ng y\u00eau c\u1ea7u c\u1ee7a kho\u1ea3n vay. \u0110\u1ed3ng th\u1eddi, trong th\u1eddi h\u1ea1n cho vay theo h\u1ee3p \u0111\u1ed3ng t\u00edn d\u1ee5ng \u0111\u00e3 k\u00fd v\u1edbi kh\u00e1ch h\u00e0ng, t\u1ed5 ch\u1ee9c t\u00edn d\u1ee5ng c\u0169ng ph\u1ea3i tr\u1ea3 l\u00e3i, chi ph\u00ed cho c\u00e1c ngu\u1ed3n v\u1ed1n t\u00edn d\u1ee5ng \u0111\u00e3 huy \u0111\u1ed9ng \u0111\u1ec3 cho kh\u00e1ch h\u00e0ng vay.<\/p>\n

Tuy nhi\u00ean, trong b\u1ed1i c\u1ea3nh ho\u1ea1t \u0111\u1ed9ng s\u1ea3n xu\u1ea5t kinh doanh c\u00f2n g\u1eb7p nhi\u1ec1u kh\u00f3 kh\u0103n nh\u01b0 hi\u1ec7n nay, to\u00e0n\u00a0h\u1ec7 th\u1ed1ng ng\u00e2n h\u00e0ng<\/a>\u00a0\u0111\u00e3 v\u00e0 \u0111ang th\u1ef1c hi\u1ec7n c\u00e1c gi\u1ea3i ph\u00e1p nh\u1eb1m\u00a0chia s\u1ebb kh\u00f3 kh\u0103n<\/a>\u00a0\u0111\u1ed1i v\u1edbi kh\u00e1ch h\u00e0ng vay. T\u1ea1i Ch\u1ec9 th\u1ecb s\u1ed1 01\/CT-NHNN ng\u00e0y 15-1-2014,\u00a0Ng\u00e2n h\u00e0ng Nh\u00e0 n\u01b0\u1edbc<\/a>\u00a0\u0111\u00e3 ch\u1ec9 \u0111\u1ea1o c\u00e1c t\u1ed5 ch\u1ee9c t\u00edn d\u1ee5ng xem x\u00e9t \u00e1p d\u1ee5ng m\u1ee9c thu ph\u00ed h\u1ee3p l\u00fd \u0111\u1ed1i v\u1edbi c\u00e1c kho\u1ea3n ph\u00ed \u0111\u01b0\u1ee3c thu theo quy \u0111\u1ecbnh c\u1ee7a ph\u00e1p lu\u1eadt. Kh\u00f4ng \u0111\u01b0\u1ee3c thu c\u00e1c lo\u1ea1i ph\u00ed li\u00ean quan \u0111\u1ebfn kho\u1ea3n vay, tr\u1eeb c\u00e1c kho\u1ea3n ph\u00ed quy \u0111\u1ecbnh t\u1ea1i Th\u00f4ng t\u01b0 s\u1ed1 05\/2011.<\/p>\n

\u201cV\u00ec v\u1eady, tr\u01b0\u1eddng h\u1ee3p t\u1ed5 ch\u1ee9c t\u00edn d\u1ee5ng \u00e1p d\u1ee5ng m\u1ee9c ph\u00ed tr\u1ea3 n\u1ee3 tr\u01b0\u1edbc h\u1ea1n cao, kh\u00f4ng ph\u00f9 h\u1ee3p v\u1edbi ch\u1ec9 \u0111\u1ea1o c\u1ee7a Ch\u00ednh ph\u1ee7 v\u00e0 Ng\u00e2n h\u00e0ng Nh\u00e0 n\u01b0\u1edbc v\u1ec1 c\u00e1c gi\u1ea3i ph\u00e1p nh\u1eb1m th\u00e1o g\u1ee1 kh\u00f3 kh\u0103n cho ho\u1ea1t \u0111\u1ed9ng s\u1ea3n xu\u1ea5t-kinh doanh, \u0111\u1ec1 ngh\u1ecb c\u1eed tri ph\u1ea3n \u00e1nh ngay v\u00e0 cung c\u1ea5p th\u00f4ng tin \u0111\u1ea7y \u0111\u1ee7 cho Ng\u00e2n h\u00e0ng Nh\u00e0 n\u01b0\u1edbc chi nh\u00e1nh tr\u00ean \u0111\u1ecba b\u00e0n \u0111\u1ec3 c\u00f3 \u00fd ki\u1ebfn \u0111\u1ec1 ngh\u1ecb t\u1ed5 ch\u1ee9c t\u00edn d\u1ee5ng tr\u00ean \u0111\u1ecba b\u00e0n xem x\u00e9t \u00e1p d\u1ee5ng m\u1ee9c ph\u00ed h\u1ee3p l\u00fd\u201d – Th\u1ed1ng \u0111\u1ed1c Nguy\u1ec5n V\u0103n B\u00ecnh \u0111\u1ec1 ngh\u1ecb.<\/p>\n

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Theo Lu\u1eadt s\u01b0 Tr\u01b0\u01a1ng Thanh \u0110\u1ee9c, \u0111\u1ebfn t\u1eeb\u00a0Hi\u1ec7p h\u1ed9i Ng\u00e2n h\u00e0ng<\/a>, nguy\u00ean nh\u00e2n g\u00e2y b\u1ee9c x\u00fac trong vi\u1ec7c ng\u00e2n h\u00e0ng thu ph\u00ed tr\u1ea3 n\u1ee3 tr\u01b0\u1edbc h\u1ea1n n\u1eb1m \u1edf vi\u1ec7c m\u1eadp m\u1edd th\u00f4ng tin.<\/p>\n

Trong th\u1ef1c t\u1ebf, r\u1ea5t \u00edt ng\u00e2n h\u00e0ng n\u00eau c\u1ee5 th\u1ec3 v\u1ea5n \u0111\u1ec1 n\u00e0y trong h\u1ee3p \u0111\u1ed3ng. C\u00e1c ng\u00e2n h\u00e0ng ch\u1ec9 n\u00eau chung chung l\u00e0 m\u1ee9c ph\u00ed ph\u1ea1t tr\u1ea3 n\u1ee3 tr\u01b0\u1edbc h\u1ea1n \u0111\u01b0\u1ee3c \u00e1p dung theo quy \u0111\u1ecbnh c\u1ee7a ng\u00e2n h\u00e0ng. Ho\u1eb7c c\u00f3 n\u00eau thu 5% hay 8% tr\u00ean t\u1ed5ng d\u01b0 n\u1ee3 c\u00f2n l\u1ea1i ho\u1eb7c tr\u00ean t\u1ed5ng s\u1ed1 ti\u1ec1n tr\u1ea3 tr\u01b0\u1edbc h\u1ea1n th\u00ec kh\u00e1ch h\u00e0ng c\u0169ng kh\u00f4ng th\u1ec3 h\u00ecnh dung \u0111\u01b0\u1ee3c chi ph\u00ed ph\u00e1t sinh khi tr\u1ea3 n\u1ee3 tr\u01b0\u1edbc h\u1ea1n n\u1ebfu\u00a0nh\u00e2n vi\u00ean t\u00edn d\u1ee5ng<\/a>\u00a0kh\u00f4ng t\u01b0 v\u1ea5n k\u1ef9.<\/p>\n

Lu\u1eadt\u00a0b\u1ea3o v\u1ec7 ng\u01b0\u1eddi ti\u00eau d\u00f9ng<\/a>\u00a0\u0111\u00e3 y\u00eau c\u1ea7u v\u1ea5n \u0111\u1ec1 n\u00e0y ph\u1ea3i n\u00f3i r\u00f5, c\u00f3 ph\u1ee5 l\u1ee5c k\u00e8m theo nh\u01b0ng h\u1ea7u h\u1ebft c\u00e1c ng\u00e2n h\u00e0ng kh\u00f4ng th\u1ef1c hi\u1ec7n \u0111\u00fang, g\u00e2y kh\u00f3 kh\u0103n cho ng\u01b0\u1eddi vay v\u1ed1n.<\/p>\n

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Hai v\u1ea5n \u0111\u1ec1 l\u01b0u \u00fd<\/strong><\/p>\n

Lu\u1eadt s\u01b0 Tr\u01b0\u01a1ng Thanh \u0110\u1ee9c cho bi\u1ebft c\u00f3 2 v\u1ea5n \u0111\u1ec1 \u0111\u00e1ng l\u01b0u \u00fd tr\u01b0\u1edbc hi\u1ec7n t\u01b0\u1ee3ng thu ph\u00ed tr\u1ea3 n\u1ee3 tr\u01b0\u1edbc h\u1ea1n.<\/p>\n

M\u1ed9t l\u00e0 v\u00e0o th\u1eddi \u0111i\u1ec3m ban h\u00e0nh Th\u00f4ng t\u01b0 05\/2011, th\u1ecb tr\u01b0\u1eddng ti\u1ec1n t\u1ec7 c\u00f3 nhi\u1ec1u bi\u1ebfn \u0111\u1ed9ng, Ng\u00e2n h\u00e0ng nh\u00e0 n\u01b0\u1edbc qu\u1ea3n l\u00fd b\u1eb1ng c\u00e1c lo\u1ea1i tr\u1ea7n l\u00e3i su\u1ea5t n\u00ean c\u00e1c ng\u00e2n h\u00e0ng th\u01b0\u01a1ng m\u1ea1i \u0111\u1ed3ng lo\u1ea1t \u201c\u0111\u1ebb\u201d ra c\u00e1c lo\u1ea1i ph\u00ed v\u00e0 \u0111\u1ea9y m\u1ee9c thu l\u00ean cao \u0111\u1ec3 l\u00e1ch tr\u1ea7n l\u00e3i su\u1ea5t n\u00ean Ng\u00e2n h\u00e0ng Nh\u00e0 n\u01b0\u1edbc ban h\u00e0nh Th\u00f4ng t\u01b0 05 \u0111\u1ec3 qu\u1ea3n l\u00fd.<\/p>\n

Th\u00f4ng t\u01b0 n\u00e0y y\u00eau c\u1ea7u c\u00e1c ng\u00e2n h\u00e0ng th\u01b0\u01a1ng m\u1ea1i kh\u00f4ng \u0111\u01b0\u1ee3c thu c\u00e1c lo\u1ea1i ph\u00ed li\u00ean quan \u0111\u1ebfn kho\u1ea3n cho vay \u0111\u1ed1i v\u1edbi kh\u00e1ch h\u00e0ng, tr\u1eeb 3 kho\u1ea3n ph\u00ed. \u0110\u00f3 l\u00e0 ph\u00ed tr\u1ea3 trong tr\u01b0\u1eddng h\u1ee3p kh\u00e1ch h\u00e0ng tr\u1ea3 n\u1ee3 tr\u01b0\u1edbc h\u1ea1n v\u00e0 ph\u00ed tr\u1ea3 cho h\u1ea1n m\u1ee9c t\u00edn d\u1ee5ng d\u1ef1 ph\u00f2ng theo quy \u0111\u1ecbnh v\u1ec1 ho\u1ea1t \u0111\u1ed9ng cho vay c\u1ee7a t\u1ed5 ch\u1ee9c t\u00edn d\u1ee5ng \u0111\u1ed1i v\u1edbi kh\u00e1ch h\u00e0ng. Ph\u00ed thu x\u1ebfp \u0111\u1ec3 th\u1ef1c hi\u1ec7n k\u00fd k\u1ebft h\u1ee3p \u0111\u1ed3ng \u0111\u1ed3ng t\u00e0i tr\u1ee3 theo ph\u01b0\u01a1ng th\u1ee9c cho vay h\u1ee3p v\u1ed1n gi\u1eefa c\u00e1c t\u1ed5 ch\u1ee9c t\u00edn d\u1ee5ng v\u1edbi kh\u00e1ch h\u00e0ng theo quy \u0111\u1ecbnh v\u1ec1 cho vay \u0111\u1ed3ng t\u00e0i tr\u1ee3 c\u1ee7a t\u1ed5 ch\u1ee9c t\u00edn d\u1ee5ng. C\u00e1c lo\u1ea1i ph\u00ed \u0111\u01b0\u1ee3c quy \u0111\u1ecbnh c\u1ee5 th\u1ec3 t\u1ea1i c\u00e1c v\u0103n b\u1ea3n quy ph\u1ea1m ph\u00e1p lu\u1eadt li\u00ean quan \u0111\u1ebfn cho vay.<\/p>\n

Nay \u0111\u00e3 tr\u1edf l\u1ea1i l\u00e3i su\u1ea5t t\u1ef1 do, th\u1ecb tr\u01b0\u1eddng c\u00f3 c\u1ea1nh tranh nh\u01b0ng Ng\u00e2n h\u00e0ng Nh\u00e0 n\u01b0\u1edbc kh\u00f4ng r\u00fat l\u1ea1i Th\u00f4ng t\u01b0 05. Th\u00f4ng t\u01b0 n\u00e0y c\u0103n c\u1ee9 v\u00e0o Ph\u00e1p l\u1ec7nh Ph\u00ed v\u00e0 l\u1ec7 ph\u00ed l\u00e0 ch\u01b0a ph\u00f9 h\u1ee3p, v\u00ec ph\u00ed v\u00e0 l\u1ec7 ph\u00ed c\u00f3 ngu\u1ed3n g\u1ed1c t\u1eeb ti\u1ec1n ng\u00e2n s\u00e1ch, c\u00f2n ph\u00ed tr\u01b0\u1edbc h\u1ea1n c\u00e1c ng\u00e2n h\u00e0ng \u0111ang thu c\u1ee7a kh\u00e1ch l\u1ebd ra ph\u1ea3i l\u00e0 gi\u00e1, ph\u1ea3i \u0111\u01b0\u1ee3c \u0111i\u1ec1u ch\u1ec9nh theo Lu\u1eadt gi\u00e1 v\u00e0 theo th\u1ecb tr\u01b0\u1eddng v\u00ec li\u00ean quan \u0111\u1ebfn ho\u1ea1t \u0111\u1ed9ng v\u00e0 c\u00e1c d\u1ecbch v\u1ee5 kh\u00e1c c\u1ee7a ng\u00e2n h\u00e0ng th\u01b0\u01a1ng m\u1ea1i.<\/p>\n

Hai l\u00e0 m\u1ee9c ph\u00ed \u0111\u01b0\u1ee3c thu bao nhi\u00eau. N\u1ebfu theo B\u1ed9 Lu\u1eadt d\u00e2n s\u1ef1 th\u00ec c\u00e1c kho\u1ea3n vay c\u00f3 k\u1ef3 h\u1ea1n tr\u1ea3 tr\u01b0\u1edbc \u0111\u01b0\u1ee3c thu t\u1edbi 100% l\u00e3i su\u1ea5t. Nh\u01b0ng trong th\u1ef1c t\u1ebf kh\u00f4ng ng\u00e2n h\u00e0ng n\u00e0o thu \u0111\u1ebfn m\u1ee9c n\u00e0y v\u00ec c\u00f2n c\u00f3 y\u1ebfu t\u1ed1 c\u1ea1nh tranh. V\u00e0o th\u1eddi \u0111i\u1ec3m th\u1ecb tr\u01b0\u1eddng bi\u1ebfn \u0111\u1ed9ng, c\u00f3 ng\u00e2n h\u00e0ng \u0111\u00e3 thu t\u1edbi 20% ph\u00ed tr\u1ea3 n\u1ee3 tr\u01b0\u1edbc h\u1ea1n tr\u00ean t\u1ed5ng d\u01b0 n\u1ee3.<\/p>\n<\/div>\n<\/div>\n

T\u00f4 H\u00e0<\/span><\/strong><\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n

——————<\/p>\n

Ng\u01b0\u1eddi lao \u0111\u1ed9ng (Kinh t\u1ebf) 23-9-2014:<\/em><\/strong><\/p>\n

http:\/\/nld.com.vn\/kinh-te\/thong-doc-noi-gi-ve-phi-tra-no-ngan-hang-truoc-han-20140923142156146.htm<\/em><\/p>\n

(553\/1.030)<\/em>","protected":false},"excerpt":{"rendered":"

(NL\u0110) – Th\u1ed1ng \u0111\u1ed1c Ng\u00e2n h\u00e0ng Nh\u00e0 n\u01b0\u1edbc Nguy\u1ec5n V\u0103n B\u00ecnh v\u1eeba c\u00f3 v\u0103n b\u1ea3n tr\u1ea3 l\u1eddi c\u1eed tri t\u1ec9nh An Giang v\u1ec1 v\u1ea5n \u0111\u1ec1 n\u00f3ng m\u00e0 d\u01b0 lu\u1eadn quan t\u00e2m l\u00e0 ph\u00ed tr\u1ea3 n\u1ee3 ng\u00e2n h\u00e0ng tr\u01b0\u1edbc h\u1ea1n. Tr\u01b0\u1edbc \u0111\u00f3, trong m\u1ed9t ki\u1ebfn ngh\u1ecb g\u1eedi \u0111\u1ebfn Th\u1ed1ng \u0111\u1ed1c\u00a0Nguy\u1ec5n V\u0103n B\u00ecnh, c\u1eed tri An Giang […]<\/p>\n","protected":false},"author":10,"featured_media":21865,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":""},"categories":[27,26],"tags":[],"class_list":["post-21848","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-interviews","category-legal-media"],"acf":[],"yoast_head":"\n559. 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