{"id":21906,"date":"2012-06-21T20:27:24","date_gmt":"2012-06-21T13:27:24","guid":{"rendered":"https:\/\/anvilaw.com\/vi\/?p=21906"},"modified":"2022-05-18T20:29:35","modified_gmt":"2022-05-18T13:29:35","slug":"177-quy-bao-lanh-tin-dung-co-nhu-khong","status":"publish","type":"post","link":"https:\/\/anvilaw.com\/vi\/177-quy-bao-lanh-tin-dung-co-nhu-khong\/","title":{"rendered":"177. Qu\u1ef9 b\u1ea3o l\u00e3nh t\u00edn d\u1ee5ng: C\u00f3 nh\u01b0 kh\u00f4ng !"},"content":{"rendered":"(NL\u0110) – Nhi\u1ec1u doanh nghi\u1ec7p t\u00ecm \u0111\u1ebfn qu\u1ef9 b\u1ea3o l\u00e3nh t\u00edn d\u1ee5ng nh\u01b0 \u201cb\u00e0 \u0111\u1ee1\u201d gi\u00fap h\u1ecd ti\u1ebfp c\u1eadn v\u1ed1n vay ng\u00e2n h\u00e0ng nh\u01b0ng r\u1ed3i th\u1ea5t v\u1ecdng\u2026<\/strong><\/p>\n

\"\"
\nKh\u00f3 ti\u1ebfp c\u1eadn qu\u1ef9 b\u1ea3o l\u00e3nh t\u00edn d\u1ee5ng, c\u00e1c doanh nghi\u1ec7p v\u1eabn ph\u1ea3i tr\u1ef1c ti\u1ebfp li\u00ean h\u1ec7 ng\u00e2n h\u00e0ng \u0111\u1ec3 vay v\u1ed1n. Trong \u1ea3nh: Kh\u00e1ch h\u00e0ng vay v\u1ed1n t\u1ea1i Techcombank. \u1ea2nh: H\u1ed3ng Th\u00fay<\/p>\n

M\u1ed9t trong nh\u1eefng kh\u00f3 kh\u0103n nh\u1ea5t c\u1ee7a doanh nghi\u1ec7p (DN) hi\u1ec7n nay l\u00e0 thi\u1ebfu v\u1ed1n nh\u01b0ng kh\u00f4ng th\u1ec3 ti\u1ebfp c\u1eadn \u0111\u01b0\u1ee3c v\u1ed1n vay ng\u00e2n h\u00e0ng (NH) do thi\u1ebfu t\u00e0i s\u1ea3n b\u1ea3o \u0111\u1ea3m. Nhi\u1ec1u DN \u0111\u00e3 t\u00ecm \u0111\u1ebfn qu\u1ef9 b\u1ea3o l\u00e3nh t\u00edn d\u1ee5ng DN nh\u01b0ng ch\u1ec9 \u201c\u0111\u1ebfn r\u1ed3i v\u1ec1\u201d b\u1edfi c\u00e1c qu\u1ef9 \u0111ang y\u1ebfu c\u1ea3 v\u1ec1 quy m\u00f4 l\u1eabn ti\u1ec1m l\u1ef1c.<\/p>\n

T\u01b0\u1edfng \u0111\u01b0\u1ee3c gi\u00fap\u2026<\/strong><\/p>\n

T\u1ea1i nhi\u1ec1u cu\u1ed9c h\u1ecdp b\u00e0n v\u1ec1 gi\u1ea3i ph\u00e1p th\u00e1o g\u1ee1 kh\u00f3 kh\u0103n cho DN tr\u00ean \u0111\u1ecba b\u00e0n TPHCM th\u1eddi gian qua, v\u1ea5n \u0111\u1ec1 n\u00f3ng b\u1ecfng nh\u1ea5t \u0111\u01b0\u1ee3c b\u00e0n \u0111\u1ebfn l\u00e0 v\u1ed1n v\u00e0 kh\u1ea3 n\u0103ng ti\u1ebfp c\u1eadn v\u1ed1n c\u1ee7a DN. Trong m\u1ed7i cu\u1ed9c h\u1ecdp, c\u00e1c DN, chuy\u00ean gia, hi\u1ec7p h\u1ed9i \u0111\u1ec1u nh\u1eafc \u0111\u1ebfn qu\u1ef9 b\u1ea3o l\u00e3nh t\u00edn d\u1ee5ng DN nh\u01b0 m\u1ed9t gi\u1ea3i ph\u00e1p gi\u00fap th\u00e1o b\u1edbt n\u00fat th\u1eaft v\u1ec1 v\u1ed1n gi\u1eefa DN v\u00e0 NH.<\/p>\n

Tuy nhi\u00ean, m\u1ed9t th\u1ef1c t\u1ebf kh\u00f4ng vui l\u00e0 d\u00f9 h\u00e0ng ch\u1ee5c qu\u1ef9 b\u1ea3o l\u00e3nh t\u00edn d\u1ee5ng DN \u0111\u01b0\u1ee3c th\u00e0nh l\u1eadp tr\u00ean c\u1ea3 n\u01b0\u1edbc th\u1eddi gian qua nh\u01b0ng hi\u1ec7u qu\u1ea3 kh\u00f4ng \u0111\u00e1ng k\u1ec3. Ch\u1eb3ng h\u1ea1n, Qu\u1ef9 B\u1ea3o l\u00e3nh t\u00edn d\u1ee5ng DN TPHCM \u0111\u01b0\u1ee3c th\u00e0nh l\u1eadp t\u1eeb n\u0103m 2006 d\u01b0\u1edbi s\u1ef1 qu\u1ea3n l\u00fd c\u1ee7a UBND TP, ho\u1ea1t \u0111\u1ed9ng phi l\u1ee3i nhu\u1eadn nh\u01b0ng \u0111\u1ebfn nay ch\u1ec9 m\u1edbi b\u1ea3o l\u00e3nh vay v\u1ed1n cho kho\u1ea3ng 100 d\u1ef1 \u00e1n c\u1ee7a 30 DN, v\u1edbi s\u1ed1 ti\u1ec1n b\u1ea3o l\u00e3nh x\u1ea5p x\u1ec9 200 t\u1ec9 \u0111\u1ed3ng.<\/p>\n

T\u1ed5ng Th\u01b0 k\u00fd Hi\u1ec7p h\u1ed9i DN TP Nguy\u1ec5n Ph\u01b0\u1edbc H\u01b0ng cho bi\u1ebft th\u1eddi gian qua, do ti\u1ebfp c\u1eadn v\u1ed1n NH g\u1eb7p kh\u00f3, r\u1ea5t nhi\u1ec1u DN t\u00ecm \u0111\u1ebfn qu\u1ef9 b\u1ea3o l\u00e3nh nh\u1edd gi\u00fap h\u1ecd c\u00f3 v\u1ed1n s\u1ea3n xu\u1ea5t kinh doanh \u0111\u1ec3 t\u1ed3n t\u1ea1i nh\u01b0ng ch\u1ec9 \u0111\u1ebfn r\u1ed3i v\u1ec1! B\u1edfi quy \u0111\u1ecbnh b\u1ea3o l\u00e3nh c\u1ee7a qu\u1ef9 kh\u00f4ng kh\u00e1c NH khi y\u00eau c\u1ea7u DN ph\u1ea3i c\u00f3 ph\u01b0\u01a1ng \u00e1n s\u1ea3n xu\u1ea5t kinh doanh hi\u1ec7u qu\u1ea3, c\u00f3 t\u00e0i s\u1ea3n b\u1ea3o \u0111\u1ea3m, n\u1ebfu kh\u00f4ng s\u1ebd b\u1ecb \u201clo\u1ea1i ngay t\u1eeb v\u00f2ng \u0111\u1ea7u\u201d.<\/p>\n

Gi\u00e1m \u0111\u1ed1c m\u1ed9t c\u00f4ng ty ch\u1ebf bi\u1ebfn th\u1ef1c ph\u1ea9m cho bi\u1ebft c\u00f4ng ty \u0111ang ch\u1ea5t ch\u1ed3ng kh\u00f3 kh\u0103n v\u00ec thi\u1ebfu v\u1ed1n l\u01b0u \u0111\u1ed9ng ph\u1ee5c v\u1ee5 s\u1ea3n xu\u1ea5t. G\u00f5 c\u1eeda nhi\u1ec1u NH \u0111\u1ec1u b\u1ecb t\u1eeb ch\u1ed1i v\u00ec t\u00e0i s\u1ea3n b\u1ea3o \u0111\u1ea3m \u0111\u00e3 \u201cn\u00e9m\u201d h\u1ebft v\u00e0o c\u00e1c kho\u1ea3n vay \u0111\u1ea7u t\u01b0 d\u00e0i h\u1ea1n. \u201cC\u00f3 ng\u01b0\u1eddi m\u00e1ch t\u00f4i \u0111\u1ebfn g\u1eb7p qu\u1ef9 b\u1ea3o l\u00e3nh t\u00edn d\u1ee5ng xin b\u1ea3o l\u00e3nh vay v\u1ed1n nh\u01b0ng \u1edf \u0111\u00f3 c\u00f2n \u201ctr\u1ea7n ai\u201d h\u01a1n do th\u1ee7 t\u1ee5c ph\u1ee9c t\u1ea1p, th\u1eadm ch\u00ed v\u1eabn ph\u1ea3i c\u00f3 t\u00e0i s\u1ea3n b\u1ea3o \u0111\u1ea3m, nh\u01b0 NH. N\u1ebfu c\u00f3 t\u00e0i s\u1ea3n b\u1ea3o \u0111\u1ea3m t\u00f4i \u0111\u00e3 \u0111\u1ebfn NH t\u1eeb l\u00e2u\u2026\u201d – v\u1ecb n\u00e0y n\u00f3i.<\/p>\n

V\u1eeba b\u1ea3o l\u00e3nh v\u1eeba s\u1ee3 m\u1ea5t v\u1ed1n!<\/strong><\/p>\n

\u00d4ng Tr\u1ea7n B\u1eedu Long, Ph\u00f3 Gi\u00e1m \u0111\u1ed1c Qu\u1ef9 B\u1ea3o l\u00e3nh t\u00edn d\u1ee5ng DN TP, cho bi\u1ebft d\u00f9 Ngh\u1ecb \u0111\u1ecbnh 90\/CP c\u1ee7a Ch\u00ednh ph\u1ee7 v\u1ec1 tr\u1ee3 gi\u00fap ph\u00e1t tri\u1ec3n DN nh\u1ecf ra \u0111\u1eddi t\u1eeb n\u0103m 2001 nh\u01b0ng ph\u1ea3i \u0111\u1ebfn n\u0103m 2006, qu\u1ef9 b\u1ea3o l\u00e3nh t\u00edn d\u1ee5ng cho c\u00e1c DN nh\u1ecf v\u00e0 v\u1eeba m\u1edbi ra \u0111\u1eddi. \u0110\u1ebfn nay, ho\u1ea1t \u0111\u1ed9ng c\u1ee7a c\u00e1c qu\u1ef9 ch\u01b0a th\u1eadt s\u1ef1 hi\u1ec7u qu\u1ea3. Ch\u1eb3ng h\u1ea1n, m\u1ee5c ti\u00eau ho\u1ea1t \u0111\u1ed9ng c\u1ee7a qu\u1ef9 l\u00e0 phi l\u1ee3i nhu\u1eadn v\u1edbi m\u1ee9c ph\u00ed th\u1ea5p nh\u01b0ng c\u00e1c t\u1ed5 ch\u1ee9c t\u00edn d\u1ee5ng v\u00e0 DN l\u1ea1i \u0111\u1eb7t l\u1ee3i nhu\u1eadn l\u00ean h\u00e0ng \u0111\u1ea7u n\u00ean r\u1ea5t kh\u00f3 k\u00eau g\u1ecdi s\u1ef1 g\u00f3p v\u1ed1n t\u1eeb NH v\u00e0 DN.<\/p>\n

B\u1eb1ng ch\u1ee9ng l\u00e0 t\u1ea1i TPHCM, theo quy \u0111\u1ecbnh, m\u1ed7i NH th\u01b0\u01a1ng m\u1ea1i tr\u00ean \u0111\u1ecba b\u00e0n ph\u1ea3i g\u00f3p v\u1ed1n v\u00e0o qu\u1ef9 t\u1eeb 5 t\u1ec9 \u0111\u1ed3ng tr\u1edf l\u00ean. Nh\u01b0ng th\u1ef1c t\u1ebf, ngo\u00e0i m\u1ed9t NH qu\u1ed1c doanh g\u00f3p 1 t\u1ec9 \u0111\u1ed3ng, c\u00e1c NH c\u00f2n l\u1ea1i ch\u1ec9 v\u00e0i tr\u0103m tri\u1ec7u \u0111\u1ed3ng nh\u01b0ng theo h\u00ecnh th\u1ee9c \u201cl\u00e0m t\u1eeb thi\u1ec7n\u201d nhi\u1ec1u h\u01a1n b\u1edfi g\u00f3p v\u1ed1n kh\u00f4ng c\u00f3 l\u00e3i.<\/p>\n

\u201cT\u00e0i ch\u00ednh kh\u00f4ng \u0111\u1ee7 m\u1ea1nh, ti\u1ec1m l\u1ef1c thi\u1ebfu, qu\u1ef9 b\u1ea3o l\u00e3nh ho\u1ea1t \u0111\u1ed9ng m\u00e0 lu\u00f4n s\u1ee3 m\u1ea5t v\u1ed1n, l\u00e0m sao hi\u1ec7u qu\u1ea3? Nh\u01b0 t\u1ea1i TPHCM, quy m\u00f4 qu\u1ef9 ho\u1ea1t \u0111\u1ed9ng ch\u1ec9 200 t\u1ec9 \u0111\u1ed3ng n\u00ean th\u01b0\u1eddng xuy\u00ean lo s\u1ee3 m\u1ea5t v\u1ed1n, kh\u00f4ng d\u00e1m b\u1ea3o l\u00e3nh n\u1ebfu DN kh\u00f4ng \u0111\u1ee7 \u0111i\u1ec1u ki\u1ec7n v\u1ec1 t\u00e0i s\u1ea3n th\u1ebf ch\u1ea5p\u2026\u201d – \u00f4ng Nguy\u1ec5n Ph\u01b0\u1edbc H\u01b0ng n\u00f3i.<\/p>\n

Trong khi \u0111\u00f3, ngay c\u00e1c NH kh\u00f4ng nh\u1eefng kh\u00f4ng m\u1eb7n m\u00e0 tham gia g\u00f3p v\u1ed1n v\u00e0o c\u00e1c lo\u1ea1i qu\u1ef9 n\u00e0y m\u00e0 c\u0169ng ng\u1ea1i gi\u1ea3i ng\u00e2n cho DN \u0111\u01b0\u1ee3c b\u1ea3o l\u00e3nh.<\/em> Lu\u1eadt s\u01b0 Tr\u01b0\u01a1ng Thanh \u0110\u1ee9c, Tr\u01b0\u1edfng Ph\u00f2ng Ph\u00e1p ch\u1ebf NH TMCP H\u00e0ng h\u1ea3i (Maritime bank), ph\u00e2n t\u00edch: ngay c\u1ea3 NH l\u1edbn \u0111\u1ee9ng ra b\u1ea3o l\u00e3nh nh\u01b0ng nhi\u1ec1u NH th\u01b0\u01a1ng m\u1ea1i c\u0169ng kh\u00f4ng \u201cham\u201d, hu\u1ed1ng chi l\u00e0 c\u00e1c qu\u1ef9 b\u1ea3o l\u00e3nh v\u1edbi quy m\u00f4 nh\u1ecf h\u01a1n nhi\u1ec1u l\u1ea7n. \u201cG\u1eb7p n\u1ee3 qu\u00e1 h\u1ea1n, NH th\u01b0\u01a1ng m\u1ea1i kh\u00f4ng d\u1ec5 \u0111\u00f2i n\u1ee3 ng\u01b0\u1eddi b\u1ea3o l\u00e3nh n\u00ean NH k\u00e9m m\u1eb7n m\u00e0 l\u00e0 d\u1ec5 hi\u1ec3u\u201d – \u00f4ng \u0110\u1ee9c nh\u1eadn x\u00e9t.<\/em><\/p>\n\n\n\n
N\u00e2ng quy m\u00f4, ti\u1ec1m l\u1ef1c cho qu\u1ef9<\/strong><\/p>\n

Theo \u00f4ng Nguy\u1ec5n Ph\u01b0\u1edbc H\u01b0ng, c\u00e1c NH th\u01b0\u01a1ng m\u1ea1i c\u0169ng ph\u1ea3i huy \u0111\u1ed9ng v\u1ed1n t\u1eeb kh\u00e1ch h\u00e0ng, nay ph\u1ea3i b\u1ecf ti\u1ec1n v\u00e0o qu\u1ef9 b\u1ea3o l\u00e3nh kh\u00f4ng \u0111\u01b0\u1ee3c h\u01b0\u1edfng l\u00e3i n\u00ean t\u1ea5t nhi\u00ean h\u1ecd kh\u00f4ng mu\u1ed1n. V\u00ec v\u1eady, Nh\u00e0 n\u01b0\u1edbc n\u00ean c\u00f3 c\u01a1 ch\u1ebf cho ph\u00e9p c\u00e1c NH th\u01b0\u01a1ng m\u1ea1i g\u00f3p v\u1ed1n v\u00e0o qu\u1ef9 b\u1ea3o l\u00e3nh t\u1eeb ti\u1ec1n d\u1ef1 ph\u00f2ng c\u1ee7a c\u00e1c NH g\u1eedi t\u1ea1i NH Nh\u00e0 n\u01b0\u1edbc \u0111\u1ec3 n\u00e2ng quy m\u00f4, ti\u1ec1m l\u1ef1c cho qu\u1ef9 b\u1ea3o l\u00e3nh t\u00edn d\u1ee5ng.<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n

Th\u00e1i Ph\u01b0\u01a1ng<\/strong><\/p>\n

——————-<\/p>\n

Ng\u01b0\u1eddi lao \u0111\u1ed9ng 21-6-2012<\/em><\/strong><\/p>\n

http:\/\/nld.com.vn\/20120621084731174p0c1014\/quy-bao-lanh-tin-dung-co-nhu-khong-.htm<\/a><\/em><\/p>\n

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

(NL\u0110) – Nhi\u1ec1u doanh nghi\u1ec7p t\u00ecm \u0111\u1ebfn qu\u1ef9 b\u1ea3o l\u00e3nh t\u00edn d\u1ee5ng nh\u01b0 \u201cb\u00e0 \u0111\u1ee1\u201d gi\u00fap h\u1ecd ti\u1ebfp c\u1eadn v\u1ed1n vay ng\u00e2n h\u00e0ng nh\u01b0ng r\u1ed3i th\u1ea5t v\u1ecdng\u2026 Kh\u00f3 ti\u1ebfp c\u1eadn qu\u1ef9 b\u1ea3o l\u00e3nh t\u00edn d\u1ee5ng, c\u00e1c doanh nghi\u1ec7p v\u1eabn ph\u1ea3i tr\u1ef1c ti\u1ebfp li\u00ean h\u1ec7 ng\u00e2n h\u00e0ng \u0111\u1ec3 vay v\u1ed1n. Trong \u1ea3nh: Kh\u00e1ch h\u00e0ng vay v\u1ed1n […]<\/p>\n","protected":false},"author":2,"featured_media":21907,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":""},"categories":[27,26],"tags":[],"class_list":["post-21906","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-interviews","category-legal-media"],"acf":[],"yoast_head":"\n177. Qu\u1ef9 b\u1ea3o l\u00e3nh t\u00edn d\u1ee5ng: C\u00f3 nh\u01b0 kh\u00f4ng ! - 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\/177-quy-bao-lanh-tin-dung-co-nhu-khong\/\" \/>\n<meta property=\"og:locale\" content=\"vi_VN\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"[:vi]177. 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