{"id":22208,"date":"2013-09-25T13:24:23","date_gmt":"2013-09-25T06:24:23","guid":{"rendered":"https:\/\/anvilaw.com\/vi\/?p=22208"},"modified":"2022-05-19T13:31:59","modified_gmt":"2022-05-19T06:31:59","slug":"364-thue-so-do-the-chap-noi-ngan-hang","status":"publish","type":"post","link":"https:\/\/anvilaw.com\/vi\/364-thue-so-do-the-chap-noi-ngan-hang\/","title":{"rendered":"364. \u201cThu\u00ea\u201d s\u1ed5 \u0111\u1ecf th\u1ebf ch\u1ea5p n\u01a1i ng\u00e2n h\u00e0ng"},"content":{"rendered":"(KTVN) – Hi\u1ec7n c\u00f3 t\u1edbi h\u00e0ng ch\u1ee5c v\u1ee5 doanh nghi\u1ec7p \u201cthu\u00ea\u201d s\u1ed5 \u0111\u1ecf c\u1ee7a ng\u01b0\u1eddi d\u00e2n \u0111\u1ec3 b\u1ed5 sung t\u00e0i s\u1ea3n th\u1ebf ch\u1ea5p n\u01a1i ng\u00e2n h\u00e0ng…<\/strong><\/p>\n

Theo Lu\u1eadt s\u01b0 Tr\u01b0\u01a1ng Thanh \u0110\u1ee9c, Gi\u00e1m \u0111\u1ed1c C\u00f4ng ty Lu\u1eadt TNHH ANVI, hi\u1ec7n t\u01b0\u1ee3ng doanh nghi\u1ec7p \u201cthu\u00ea\u201d s\u1ed5 \u0111\u1ecf \u0111\u1ec3 th\u1ebf ch\u1ea5p v\u00e0\/ho\u1eb7c b\u1ed5 sung t\u00e0i s\u1ea3n th\u1ebf ch\u1ea5p n\u01a1i ng\u00e2n h\u00e0ng kh\u00f4ng ph\u1ea3i hi\u1ebfm \u2013<\/em><\/p>\n

\"\"<\/p>\n

\u1ea2nh minh h\u1ecda.<\/em><\/p>\n

M\u1eb7c d\u00f9 ch\u01b0a c\u00f3 th\u1ed1ng k\u00ea c\u1ee5 th\u1ec3 nh\u01b0ng t\u00ednh s\u01a1 qua, hi\u1ec7n c\u00f3 t\u1edbi h\u00e0ng ch\u1ee5c v\u1ee5 doanh nghi\u1ec7p \u201cthu\u00ea\u201d s\u1ed5 \u0111\u1ecf c\u1ee7a ng\u01b0\u1eddi d\u00e2n \u0111\u1ec3 b\u1ed5 sung t\u00e0i s\u1ea3n th\u1ebf ch\u1ea5p n\u01a1i ng\u00e2n h\u00e0ng. \u0110\u01b0\u1ee3c m\u1ed9t ch\u00fat l\u1ee3i \u00edch tr\u01b0\u1edbc m\u1eaft nh\u01b0ng khi doanh nghi\u1ec7p l\u00fan s\u00e2u v\u00e0o v\u00f2ng xo\u00e1y vay tr\u01b0\u1edbc tr\u1ea3 sau, b\u1ecb v\u1ee1 n\u1ee3 th\u00ec ng\u01b0\u1eddi d\u00e2n \u0111\u00e3 m\u1ea5t nh\u00e0.<\/strong><\/p>\n

Theo lu\u1eadt s\u01b0 Tr\u01b0\u01a1ng Thanh \u0110\u1ee9c, Gi\u00e1m \u0111\u1ed1c C\u00f4ng ty Lu\u1eadt TNHH ANVI, hi\u1ec7n t\u01b0\u1ee3ng doanh nghi\u1ec7p \u201cthu\u00ea\u201d s\u1ed5 \u0111\u1ecf \u0111\u1ec3 th\u1ebf ch\u1ea5p v\u00e0\/ho\u1eb7c b\u1ed5 sung t\u00e0i s\u1ea3n th\u1ebf ch\u1ea5p n\u01a1i ng\u00e2n h\u00e0ng kh\u00f4ng ph\u1ea3i hi\u1ebfm.<\/p>\n

M\u1ea5t nh\u00e0 v\u00ec m\u1ea5t c\u1ea3nh gi\u00e1c<\/strong><\/p>\n

Trong nhi\u1ec1u tr\u01b0\u1eddng h\u1ee3p, doanh nghi\u1ec7p th\u1ef1c hi\u1ec7n \u0111\u00fang cam k\u1ebft tr\u1ea3 l\u1ea1i gi\u1ea5y t\u1edd cho ng\u01b0\u1eddi d\u00e2n s\u1ebd kh\u00f4ng v\u1ea5n \u0111\u1ec1 g\u00ec. Nh\u01b0ng b\u00ean c\u1ea1nh \u0111\u00f3, kh\u00f4ng \u00edt doanh nghi\u1ec7p l\u00e0m \u0103n thua l\u1ed7, b\u1ecb v\u1ee1 n\u1ee3 v\u00e0 b\u1ecf tr\u1ed1n, d\u1eabn \u0111\u1ebfn ng\u01b0\u1eddi cho m\u01b0\u1ee3n s\u1ed5 \u0111\u1ecf m\u1ea5t nh\u00e0, m\u1ea5t c\u1eeda, ki\u1ec7n c\u00e1o k\u00e9o d\u00e0i.<\/p>\n

Gi\u1ea3i th\u00edch l\u00fd do d\u1eabn \u0111\u1ebfn t\u00ecnh tr\u1ea1ng tr\u00ean, lu\u1eadt s\u01b0 \u0110\u1ee9c nh\u1ea5n m\u1ea1nh: \u201cM\u1ed9t s\u1ed1 doanh nghi\u1ec7p tr\u1ea3 ti\u1ec1n thu\u00ea s\u1ed5 \u0111\u1ecf h\u1ea5p d\u1eabn ho\u1eb7c cho ch\u1ee7 s\u1ed5 \u0111\u1ecf vay k\u00e9, th\u1eadm ch\u00ed l\u00e0 do quan h\u1ec7 b\u1ea1n b\u00e8 tin t\u01b0\u1edfng nhau n\u00ean v\u00f4 t\u01b0 cho m\u01b0\u1ee3n s\u1ed5 \u0111\u1ecf, \u0111\u1ebfn khi m\u1ea5t nh\u00e0 m\u1ea5t c\u1eeda th\u00ec m\u1edbi k\u00eau van\u201d.<\/em><\/p>\n

C\u0169ng theo \u00f4ng, m\u1ed9t nguy\u00ean nh\u00e2n kh\u00e1c kh\u00f4ng k\u00e9m ph\u1ea7n quan tr\u1ecdng l\u00e0 v\u0103n ph\u00f2ng c\u00f4ng ch\u1ee9ng kh\u00f4ng gi\u1ea3i th\u00edch \u0111\u1ebfn n\u01a1i, \u0111\u1ebfn ch\u1ed1n v\u1ec1 quy\u1ec1n ngh\u0129a v\u1ee5 li\u00ean quan, l\u00e0m cho ch\u1ee7 s\u1ed5 \u0111\u1ecf ch\u1ec9 ngh\u0129 \u0111\u01a1n gi\u1ea3n th\u1ebf ch\u1ea5p ch\u1ec9 l\u00e0 th\u1ee7 t\u1ee5c cho xong chuy\u1ec7n, c\u00f2n ai vay ti\u1ec1n th\u00ec ng\u01b0\u1eddi \u0111\u00f3 m\u1edbi ph\u1ea3i tr\u1ea3.<\/p>\n

Th\u1ebf n\u00ean, \u0111\u1ebfn ng\u00e0y gi\u1edd ng\u01b0\u1eddi vay kh\u00f4ng tr\u1ea3 \u0111\u01b0\u1ee3c n\u1ee3, khi ng\u00e2n h\u00e0ng ph\u00e1t m\u1ea1i t\u00e0i s\u1ea3n th\u00ec m\u1ecdi chuy\u1ec7n \u0111\u00e3 mu\u1ed9n. Ngo\u00e0i ra, nh\u00e2n vi\u00ean t\u00edn d\u1ee5ng c\u1ee7a ng\u00e2n h\u00e0ng c\u0169ng ph\u1ea3i c\u00f3 ph\u1ea7n tr\u00e1ch nhi\u1ec7m trong \u0111\u00f3. Do b\u1ecb s\u1ee9c \u00e9p v\u1ec1 doanh s\u1ed1 n\u00ean c\u00e1c nh\u00e2n vi\u00ean n\u00e0y c\u0169ng kh\u00f4ng gi\u1ea3i th\u00edch k\u1ef9 cho ng\u01b0\u1eddi d\u00e2n m\u00e0 ch\u1ec9 c\u1ed1 lo cho b\u1ed9 h\u1ed3 s\u01a1 th\u1eadt s\u1ea1ch v\u00e0 \u0111\u1eb9p \u0111\u1ebd \u0111\u1ec3 ho\u00e0n th\u00e0nh \u0111\u1ecbnh m\u1ee9c.<\/p>\n

\u201cN\u1ebfu c\u00f4ng ch\u1ee9ng v\u00e0 ng\u00e2n h\u00e0ng gi\u1ea3i th\u00edch k\u1ef9 \u0111\u1ec3 ng\u01b0\u1eddi d\u00e2n h\u00ecnh dung h\u1eadu qu\u1ea3 c\u00f3 th\u1ec3 m\u1ea5t nh\u00e0 th\u00ec sau n\u00e0y n\u1ebfu x\u1ea3y ra nh\u01b0 th\u1ebf, h\u1ecd c\u0169ng kh\u00f4ng ki\u1ec7n c\u00e1o n\u1eefa\u201d, \u00f4ng \u0110\u1ee9c n\u00f3i.<\/p>\n

C\u0169ng theo \u00f4ng th\u00ec m\u1eb7c d\u00f9 lu\u1eadt kh\u00f4ng quy \u0111\u1ecbnh b\u1eaft bu\u1ed9c ph\u1ea3i gi\u1ea3i th\u00edch nh\u01b0 n\u00f3i tr\u00ean v\u00ec trong t\u1ea5t c\u1ea3 c\u00e1c gi\u1ea5y t\u1edd, v\u0103n b\u1ea3n li\u00ean quan \u0111\u1ec1u ghi r\u00f5 l\u00e0 \u201c\u0111\u00e3 \u0111\u1ecdc\u201d, \u201c\u0111\u00e3 hi\u1ec3u\u201d v\u00e0 \u201ct\u1ea5t c\u1ea3 c\u00f9ng t\u1ef1 nguy\u1ec7n k\u00fd\u201d nh\u01b0ng c\u00e1n b\u1ed9 ng\u00e2n h\u00e0ng ph\u1ea3i nh\u1eadn th\u1ee9c \u0111\u01b0\u1ee3c m\u1ee9c \u0111\u1ed9 r\u1ee7i ro khi nh\u1eadn t\u00e0i s\u1ea3n th\u1ebf ch\u1ea5p c\u1ee7a ng\u01b0\u1eddi th\u1ee9 ba nh\u01b0 th\u1ebf n\u00e0o \u0111\u1ec3 ch\u1ee7 \u0111\u1ed9ng ph\u00f2ng tr\u00e1nh tr\u01b0\u1edbc.<\/p>\n

M\u1ed9t c\u00e1n b\u1ed9 ng\u00e2n h\u00e0ng tr\u01b0\u1edbc \u0111\u00e2y gi\u1eef ch\u1ee9c v\u1ee5 Tr\u01b0\u1edfng Ban Ph\u00e1p ch\u1ebf c\u1ee7a Maritimebank n\u00f3i: \u201cH\u1ed3i c\u00f2n l\u00e0m \u1edf Maritimebank, ch\u00fang t\u00f4i c\u1ea5m ho\u00e0n to\u00e0n vi\u1ec7c c\u00e1c b\u1ed9 t\u00edn d\u1ee5ng nh\u1eadn t\u00e0i s\u1ea3n c\u1ee7a ng\u01b0\u1eddi th\u1ee9 ba \u0111\u1ec3 th\u1ebf ch\u1ea5p, ngo\u1ea1i tr\u1eeb c\u00e1c tr\u01b0\u1eddng h\u1ee3p: quan h\u1ec7 h\u00f4n nh\u00e2n, huy\u1ebft th\u1ed1ng, c\u00f9ng g\u00f3p v\u1ed1n c\u00f9ng ch\u1ecbu tr\u00e1ch nhi\u1ec7m\u201d.<\/p>\n

Theo \u00f4ng, s\u1edf d\u0129 ph\u1ea3i l\u00e0m ch\u1eb7t nh\u01b0 th\u1ebf l\u00e0 \u0111\u1ec3 tr\u00e1nh r\u1ee7i ro sau n\u00e0y cho ng\u00e2n h\u00e0ng v\u00ec kh\u00f4ng \u00edt tr\u01b0\u1eddng h\u1ee3p ng\u00e2n h\u00e0ng kh\u00f4ng th\u1ec3 n\u00e0o \u0111\u00f2i \u0111\u01b0\u1ee3c n\u1ee3.<\/p>\n

Ph\u00f2ng tr\u00e1nh nh\u01b0 th\u1ebf n\u00e0o?<\/em><\/strong><\/p>\n

Theo m\u1ed9t s\u1ed1 lu\u1eadt s\u01b0, x\u00e9t v\u1ec1 l\u00fd, khi h\u1ed3 s\u01a1 \u0111\u00e3 th\u1ec3 hi\u1ec7n s\u1ef1 t\u1ef1 nguy\u1ec7n c\u1ee7a c\u00e1c b\u00ean, c\u00f3 c\u00f4ng ch\u1ee9ng h\u1eb3n hoi th\u00ec kh\u00f4ng c\u00e1ch g\u00ec c\u00e3i \u0111\u01b0\u1ee3c. Mu\u1ed1n c\u00e3i th\u1eafng \u1edf t\u00f2a th\u00ec ph\u1ea3i ch\u1ee9ng minh \u0111\u01b0\u1ee3c s\u1ef1 l\u1eeba \u0111\u1ea3o c\u1ee7a c\u00e1n b\u1ed9 ng\u00e2n h\u00e0ng v\u00e0\/ho\u1eb7c b\u1ecb \u00e9p bu\u1ed9c hay t\u1ea1i th\u1eddi \u0111i\u1ec3m k\u00fd h\u1ee3p \u0111\u1ed3ng giao d\u1ecbch, ch\u1ee7 s\u1ed5 \u0111\u1ecf \u0111ang c\u00f3 b\u1ec7nh l\u00fd ph\u1ea3i \u0111i\u1ec1u tr\u1ecb \u1edf m\u1ed9t b\u1ec7nh vi\u1ec7n n\u00e0o \u0111\u00f3, kh\u00f4ng \u0111\u1ee7 minh m\u1eabn \u0111\u1ec3 x\u00e1c l\u1eadp h\u00e0nh vi c\u1ee7a m\u00ecnh…<\/p>\n

C\u0169ng c\u00f3 nh\u1eefng v\u1ee5 vi\u1ec7c s\u1ebd \u0111\u01b0\u1ee3c lu\u1eadt s\u01b0 t\u01b0 v\u1ea5n theo h\u01b0\u1edbng tr\u00ec ho\u00e3n, \u201cthi gan\u201d g\u00e2y kh\u00f3 kh\u0103n cho ng\u00e2n h\u00e0ng trong qu\u00e1 tr\u00ecnh x\u1eed l\u00fd n\u1ee3, t\u1eeb \u0111\u00f3 bu\u1ed9c ng\u00e2n h\u00e0ng ph\u1ea3i \u0111\u00e0m ph\u00e1n \u0111\u1ec3 chia s\u1ebb m\u1ed9t ph\u1ea7n r\u1ee7i ro.<\/p>\n

M\u1ed9t lu\u1eadt s\u01b0 \u201cm\u00e1ch n\u01b0\u1edbc\u201d, mu\u1ed1n ch\u1ee9ng minh c\u00f3 s\u1ef1 l\u1eeba \u0111\u1ea3o trong nh\u1eefng v\u1ee5 vi\u1ec7c t\u01b0\u01a1ng t\u1ef1 th\u00ec nguy\u00ean \u0111\u01a1n ph\u1ea3i cung c\u1ea5p c\u00e1c b\u1eb1ng ch\u1ee9ng c\u1ee5 th\u1ec3. V\u00ed d\u1ee5, theo lu\u1eadt th\u00ec qu\u00e1 tr\u00ecnh c\u00f4ng ch\u1ee9ng ph\u1ea3i th\u1ec3 hi\u1ec7n \u201cba m\u1eb7t m\u1ed9t l\u1eddi\u201d nh\u01b0ng v\u00e0o ng\u00e0y gi\u1edd \u0111\u00f3, nguy\u00ean \u0111\u01a1n \u0111ang \u1edf c\u00e1ch \u0111\u00f3 h\u00e0ng ngh\u00ecn c\u00e2y s\u1ed1, kh\u00f4ng th\u1ec3 c\u00f3 m\u1eb7t tr\u01b0\u1edbc m\u1eb7t c\u00f4ng ch\u1ee9ng vi\u00ean…<\/p>\n

Theo lu\u1eadt s\u01b0 tr\u00ean, \u0111\u1ec3 tr\u00e1nh v\u01b0\u1edbng v\u00e0o r\u1ee7i ro tr\u00ean, ng\u01b0\u1eddi d\u00e2n ph\u1ea3i n\u1eafm \u0111\u01b0\u1ee3c m\u1ed9t s\u1ed1 d\u1ea1ng th\u01b0\u1eddng g\u1eb7p sau. D\u1ea1ng ph\u1ed5 bi\u1ebfn nh\u1ea5t v\u1eabn l\u00e0 nh\u1eed m\u1ed3i b\u1eb1ng t\u1ef7 l\u1ec7 hoa h\u1ed3ng ho\u1eb7c cho vay k\u00e9 v\u00ec c\u00e1 nh\u00e2n c\u00f3 c\u1ea7m s\u1ed5 \u0111\u1ecf l\u00ean ng\u00e2n h\u00e0ng c\u0169ng kh\u00f4ng d\u1ec5 vay do ph\u1ea3i ch\u1ee9ng minh ph\u01b0\u01a1ng \u00e1n kinh doanh, ngu\u1ed3n thu, ph\u01b0\u01a1ng \u00e1n tr\u1ea3 n\u1ee3.<\/p>\n

V\u00ec th\u1ebf, h\u1ecd b\u1eb1ng l\u00f2ng cho ai \u0111\u00f3 m\u01b0\u1ee3n s\u1ed5 th\u1ebf ch\u1ea5p vay ti\u1ec1n, ng\u01b0\u1eddi kh\u00e1c vay l\u00e0 ch\u00ednh, c\u00f2n m\u00ecnh vay l\u00e0 ph\u1ee5. D\u1ea1ng th\u1ee9 hai l\u00e0 l\u1ee3i d\u1ee5ng quen th\u00e2n, cho m\u1ed9t \u00edt ti\u1ec1n \u0111\u1ec3 t\u00ecm c\u00e1ch l\u1eeba.<\/p>\n

D\u1ea1ng th\u1ee9 ba l\u00e0 do tin t\u01b0\u1edfng b\u1ea1n b\u00e8 qu\u00e1 m\u1ee9c n\u00ean v\u00f4 t\u01b0 cho m\u01b0\u1ee3n m\u00e0 kh\u00f4ng h\u00ecnh dung h\u1ebft h\u1eadu qu\u1ea3, kh\u00f4ng h\u1ec1 \u0111\u01b0\u1ee3c ch\u00fat l\u1ee3i \u00edch n\u00e0o, b\u1ed7ng d\u01b0ng m\u1ea5t nh\u00e0 m\u1ea5t c\u1eeda…<\/p>\n

B\u1edfi v\u1eady, lu\u1eadt s\u01b0 \u0110\u1ee9c cho r\u1eb1ng, v\u1edbi ng\u01b0\u1eddi d\u00e2n, \u0111\u1eebng bao gi\u1edd d\u1ec5 d\u00e3i, ph\u00f3 m\u1eb7c c\u1ea3 c\u01a1 ng\u01a1i t\u00e0i s\u1ea3n c\u1ee7a m\u00ecnh cho b\u1ea5t k\u1ef3 ai. C\u00f4ng ch\u1ee9ng c\u0169ng ph\u1ea3i gi\u1ea3i th\u00edch r\u00f5 r\u00e0ng chi ti\u1ebft quy\u1ec1n, ngh\u0129a v\u1ee5 cho c\u00e1c b\u00ean.<\/p>\n

C\u0169ng gi\u1ed1ng nh\u01b0 ng\u01b0\u1eddi \u0111i m\u00e1y bay, \u0111i h\u00e0ng ngh\u00ecn l\u1ea7n th\u00ec v\u1eabn ph\u1ea3i nghe b\u00e0i ca \u201c\u00e1o phao \u0111\u1ec3 d\u01b0\u1edbi gh\u1ebf ng\u1ed3i, kh\u00f4ng \u0111\u01b0\u1ee3c h\u00fat thu\u1ed1c\u201d. \u201cT\u00f4i bi\u1ebft c\u00f3 m\u1ed9t s\u1ed1 tr\u01b0\u1eddng h\u1ee3p c\u00f4ng ch\u1ee9ng \u0111\u00e3 kh\u00f4ng l\u00e0m tr\u00f2n b\u1ed5n ph\u1eadn nh\u01b0 th\u1ebf\u201d, \u00f4ng n\u00e0y cho bi\u1ebft.<\/p>\n

C\u00f2n v\u1edbi ng\u00e2n h\u00e0ng, kh\u00f4ng th\u1ec3 v\u00ec doanh s\u1ed1, l\u1ee3i \u00edch m\u00e0 b\u1ea5t k\u1ec3 ai \u0111\u01b0a t\u00e0i s\u1ea3n th\u1ebf ch\u1ea5p v\u00e0o h\u1ed3 s\u01a1 c\u0169ng t\u00ecm c\u00e1ch h\u1ee3p th\u1ee9c h\u00f3a \u0111\u1ec3 nh\u1eadn. Trong khi ng\u00e2n h\u00e0ng kh\u00f4ng \u0111i ki\u1ec3m tra th\u1ef1c t\u1ebf t\u00e0i s\u1ea3n b\u1ea3o \u0111\u1ea3m nh\u01b0 th\u1ebf n\u00e0o, \u0111\u00f4i khi ch\u1eb3ng bi\u1ebft ch\u1ee7 nh\u00e0 l\u00e0 ai.
\n<\/em>
\nThay v\u00e0o \u0111\u00f3, qua trung gian k\u00fd t\u00e1, nh\u00e2n vi\u00ean ng\u00e2n h\u00e0ng \u0111\u01b0a s\u1ed5 \u0111\u1ecf \u0111i \u0111\u0103ng k\u00fd giao d\u1ecbch b\u1ea3o \u0111\u1ea3m r\u1ed3i ph\u1ee7i tay cho xong chuy\u1ec7n l\u00e0 kh\u00f4ng \u0111\u01b0\u1ee3c. B\u1edfi x\u00e9t cho c\u00f9ng, d\u00f9 \u00edt hay nhi\u1ec1u th\u00ec ng\u00e2n h\u00e0ng v\u1eabn ph\u1ea3i g\u00e1nh ch\u1ecbu h\u1eadu qu\u1ea3.<\/em><\/p>\n

Trong nhi\u1ec1u tr\u01b0\u1eddng h\u1ee3p, ng\u00e2n h\u00e0ng ph\u1ea3i nh\u01b0\u1ee3ng b\u1ed9 g\u1ed1c l\u00e3i, ho\u1eb7c \u0111\u1ec3 l\u1ea1i cho h\u1ecd \u00edt ti\u1ec1n \u0111\u1ec3 h\u1ecd mua n\u01a1i \u1edf m\u1edbi v\u00ec n\u1ebfu r\u01a1i v\u00e0o tr\u01b0\u1eddng h\u1ee3p ngh\u00e8o kh\u00f3 th\u00ec kh\u00f4ng d\u1ec5 g\u00ec \u0111\u1ea9y h\u1ecd ra \u0111\u01b0\u1eddng.<\/p>\n

Nguy\u1ec5n Ho\u00e0i<\/strong><\/p>\n

—————–<\/p>\n

Th\u1eddi b\u00e1o Kinh t\u1ebf Vi\u1ec7t Nam 25-9-2013 (M\u1ee5c T\u00e0i ch\u00ednh):<\/em><\/strong><\/p>\n

http:\/\/vneconomy.vn\/2013092408210214P0C6\/thue-so-do-the-chap-noi-ngan-hang.htm<\/a><\/em><\/p>\n

(1.025\/1.245)","protected":false},"excerpt":{"rendered":"

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