{"id":22300,"date":"2016-05-24T14:13:10","date_gmt":"2016-05-24T07:13:10","guid":{"rendered":"https:\/\/anvilaw.com\/vi\/?p=22300"},"modified":"2022-05-19T14:15:48","modified_gmt":"2022-05-19T07:15:48","slug":"1-099-ngan-hang-cho-vay-dao-no-tu-mu-rui-ro","status":"publish","type":"post","link":"https:\/\/anvilaw.com\/vi\/1-099-ngan-hang-cho-vay-dao-no-tu-mu-rui-ro\/","title":{"rendered":"1.099. Ng\u00e2n h\u00e0ng cho vay \u0111\u1ea3o n\u1ee3: T\u00f9 m\u00f9, r\u1ee7i ro"},"content":{"rendered":"(IFN) – <\/strong>Vi\u1ec7c cho vay \u0111\u1ea3o n\u1ee3 (cho vay n\u1ee3 m\u1edbi \u0111\u1ec3 tr\u1ea3 n\u1ee3 c\u0169) r\u1ea5t r\u1ee7i ro n\u1ebfu cho vay \u0111\u1ea3o n\u1ee3 kh\u00f4ng \u0111\u00fang quy \u0111\u1ecbnh, kh\u00f4ng \u0111\u1ea3m b\u1ea3o c\u00e1c \u0111i\u1ec1u ki\u1ec7n cho vay an to\u00e0n, trong \u0111\u00f3 c\u00f3 vi\u1ec7c nh\u1eb1m m\u1ee5c \u0111\u00edch che gi\u1ea5u, l\u1ea5p li\u1ebfm n\u1ee3 x\u1ea5u.<\/strong><\/p>\n

C\u0169ng gi\u1ed1ng nh\u01b0 vi\u1ec7c cho vay m\u1ed9t kho\u1ea3n vay ho\u00e0n to\u00e0n m\u1edbi \u0111\u1ec3 s\u1ea3n xu\u1ea5t kinh doanh hay tr\u1ea3 n\u1ee3, vi\u1ec7c cho vay \u0111\u1ea3o n\u1ee3 theo ngh\u0129a th\u00f4ng th\u01b0\u1eddng nh\u1ea5t c\u0169ng ch\u1ec9 l\u00e0 vi\u1ec7c vay n\u1ee3 m\u1edbi \u0111\u1ec3 tr\u1ea3 n\u1ee3 c\u0169, v\u00ec v\u1eady n\u00f3 ch\u01b0a n\u00f3i l\u00ean r\u1ee7i ro g\u00ec c\u1ee5 th\u1ec3.\u00a0<\/em><\/p>\n

Tuy nhi\u00ean, s\u1ebd l\u00e0 r\u1ee7i ro n\u1ebfu cho vay \u0111\u1ea3o n\u1ee3 kh\u00f4ng \u0111\u00fang quy \u0111\u1ecbnh, kh\u00f4ng b\u1ea3o \u0111\u1ea3m c\u00e1c \u0111i\u1ec1u ki\u1ec7n cho vay an to\u00e0n, trong \u0111\u00f3 c\u00f3 vi\u1ec7c nh\u1eb1m m\u1ee5c \u0111\u00edch che gi\u1ea5u, l\u1ea5p li\u1ebfm n\u1ee3 x\u1ea5u. Khi \u0111\u00f3, r\u1ee7i ro c\u0169ng gi\u1ed1ng nh\u01b0 v\u1edbi m\u1ecdi kho\u1ea3n cho vay n\u00f3i chung.\u00a0<\/em><\/p>\n

T\u00f9 m\u00f9 quy \u0111\u1ecbnh ph\u00e1p l\u00fd<\/em><\/strong><\/p>\n

Trao \u0111\u1ed5i v\u1edbi\u00a0PV Infonet, Lu\u1eadt s\u01b0 Tr\u01b0\u01a1ng Thanh \u0110\u1ee9c \u2013 Ch\u1ee7 t\u1ecbch CLB Ph\u00e1p ch\u1ebf Ng\u00e2n h\u00e0ng, <\/em>Gi\u00e1m \u0111\u1ed1c C\u00f4ng ty Lu\u1eadt TNHH ANVI\u00a0<\/em>\u2013 cho r\u1eb1ng, \u0111i\u1ec1u kh\u00f3 nh\u1ea5t hi\u1ec7n nay l\u00e0 c\u01a1 s\u1edf ph\u00e1p l\u00fd \u0111\u1ec3 cho ph\u00e9p hay c\u1ea5m vi\u1ec7c \u0111\u1ea3o n\u1ee3 \u0111ang r\u1ea5t t\u00f9 m\u00f9. Ngay kh\u00e1i ni\u1ec7m th\u1ebf n\u00e0o \u0111\u01b0\u1ee3c coi l\u00e0 \u0111\u1ea3o n\u1ee3 c\u0169ng kh\u00f4ng c\u00f3 quy \u0111\u1ecbnh r\u00f5.\u00a0<\/em><\/p>\n

Ch\u1ec9 bi\u1ebft r\u1eb1ng, vi\u1ec7c cho vay \u0111\u1ea3o n\u1ee3 \u0111\u00e3 t\u1eebng b\u1ecb c\u1ea5m trong su\u1ed1t nhi\u1ec1u n\u0103m.\u00a0<\/em><\/p>\n

Lu\u1eadt C\u00e1c t\u1ed5 ch\u1ee9c t\u00edn d\u1ee5ng n\u0103m 1997 l\u1ea7n \u0111\u1ea7u ti\u00ean \u201cb\u1eadt \u0111\u00e8n xanh\u201d cho vi\u1ec7c \u0111\u1ea3o n\u1ee3 b\u1eb1ng quy \u0111\u1ecbnh \u201cVi\u1ec7c \u0111\u1ea3o n\u1ee3 \u0111\u01b0\u1ee3c th\u1ef1c hi\u1ec7n theo quy \u0111\u1ecbnh c\u1ee7a Ch\u00ednh ph\u1ee7\u201d.\u00a0<\/em><\/p>\n

\u0110i\u1ec1u n\u00e0y v\u1eabn \u0111ang \u0111\u01b0\u1ee3c quy \u0111\u1ecbnh v\u00e0 c\u00f3 hi\u1ec7u l\u1ef1c trong Quy\u1ebft \u0111\u1ecbnh s\u1ed1 1627\/2001\/Q\u0110-NHNN, ch\u1ec9 kh\u00e1c m\u1ed9t ch\u00fat l\u00e0 kh\u00f4ng ph\u1ea3i theo quy \u0111\u1ecbnh c\u1ee7a Ch\u00ednh ph\u1ee7 m\u00e0 l\u00e0 theo quy \u0111\u1ecbnh c\u1ee7a Ng\u00e2n h\u00e0ng Nh\u00e0 n\u01b0\u1edbc.<\/em><\/p>\n

\u201cTuy nhi\u00ean, \u0111\u00e3 g\u1ea7n 20 n\u0103m nay, Ch\u00ednh ph\u1ee7 c\u0169ng nh\u01b0 Ng\u00e2n h\u00e0ng Nh\u00e0 n\u01b0\u1edbc ch\u01b0a bao gi\u1edd c\u00f3 quy \u0111\u1ecbnh v\u1ec1 vi\u1ec7c \u0111\u1ea3o n\u1ee3.\u00a0V\u00ec v\u1eady, vi\u1ec7c \u0111\u1ea3o n\u1ee3 v\u1eabn kh\u00f4ng c\u00f3 c\u01a1 s\u1edf ph\u00e1p l\u00fd. Tuy nhi\u00ean, qua nhi\u1ec1u c\u00f4ng v\u0103n h\u01b0\u1edbng d\u1eabn c\u1ee7a Ng\u00e2n h\u00e0ng Nh\u00e0 n\u01b0\u1edbc, th\u00ec hi\u1ec7n nay c\u00f3 th\u1ec3 hi\u1ec3u, ch\u1ec9 c\u1ea5m vi\u1ec7c \u0111\u1ea3o n\u1ee3 nh\u1eb1m che gi\u1ea5u n\u1ee3 x\u1ea5u, m\u00e0 kh\u00f4ng c\u1ea5m \u0111\u1ea3o n\u1ee3 n\u00f3i chung. Ngh\u1ecb \u0111\u1ecbnh hi\u1ec7n h\u00e0nh s\u1ed1 96\/2014\/N\u0110-CP ng\u00e0y 17-10-2014 c\u1ee7a Ch\u00ednh ph\u1ee7 \u201cQuy \u0111\u1ecbnh x\u1eed ph\u1ea1t vi ph\u1ea1m h\u00e0nh ch\u00ednh trong l\u0129nh v\u1ef1c ti\u1ec1n t\u1ec7 v\u00e0 ng\u00e2n h\u00e0ng\u201d c\u0169ng \u0111\u00e3 kh\u00f4ng c\u00f2n x\u1eed ph\u1ea1t h\u00e0nh vi \u0111\u1ea3o n\u1ee3,\u201d Lu\u1eadt s\u01b0 Tr\u01b0\u01a1ng Thanh \u0110\u1ee9c cho bi\u1ebft.<\/em><\/p>\n

M\u1eb7t t\u00edch c\u1ef1c c\u1ee7a vi\u1ec7c \u0111\u1ea3o n\u1ee3 l\u00e0 n\u1ee3 c\u1ee7a c\u1ea3 ng\u00e2n h\u00e0ng v\u00e0 doanh nghi\u1ec7p v\u1eabn \u0111\u01b0\u1ee3c coi nh\u01b0 n\u1ee3 t\u1ed1t. Th\u1eadm ch\u00ed n\u1ee3 x\u1ea5u nhi\u1ec1u nh\u01b0ng l\u1ea1i \u0111\u01b0\u1ee3c \u0111\u00e1nh gi\u00e1 l\u00e0 x\u1ea5u \u00edt, n\u00ean v\u1eabn \u0111\u01b0\u1ee3c ti\u1ebfp t\u1ee5c cho vay, v\u1eabn \u0111\u01b0\u1ee3c l\u00e3i su\u1ea5t th\u1ea5p.\u00a0<\/em><\/p>\n

M\u1eb7t ti\u00eau c\u1ef1c l\u00e0 n\u1ee3 kh\u00f4ng x\u1ea5u v\u00e0 doanh nghi\u1ec7p ho\u1ea1t \u0111\u1ed9ng b\u00ecnh th\u01b0\u1eddng nh\u01b0ng l\u1ea1i \u1ea9n ch\u1ee9a nguy c\u01a1 l\u1edbn, m\u00e0 th\u1ef1c ch\u1ea5t \u0111\u00f3 l\u00e0 n\u1ee3 x\u1ea5u, l\u00e0 doanh nghi\u1ec7p c\u00f3 r\u1ee7i ro l\u1edbn. T\u1ee9c l\u00e0 con b\u1ec7nh r\u1ea5t n\u1eb7ng, nh\u01b0ng l\u1ea1i v\u1eabn c\u1ee9 nh\u01b0 l\u00e0 b\u1ec7nh nh\u1eb9, th\u1eadm ch\u00ed c\u1ee9 nh\u01b0 l\u00e0 ng\u01b0\u1eddi ho\u00e0n to\u00e0n kho\u1ebb m\u1ea1nh.<\/em><\/p>\n

\u0110i\u1ec1u \u0111\u00f3 m\u1ed9t m\u1eb7t t\u1ea1o \u0111i\u1ec1u ki\u1ec7n t\u1ed1t nh\u1ea5t \u0111\u1ec3 doanh nghi\u1ec7p v\u01b0\u1ee3t qua kh\u00f3 kh\u0103n, tr\u1edf l\u1ea1i ho\u1ea1t \u0111\u1ed9ng t\u1ed1t, nh\u01b0ng m\u1eb7t kh\u00e1c n\u00f3 c\u0169ng d\u1ec5 t\u1ea1o ra t\u00e2m l\u00fd ch\u1ee7 quan, d\u1ec5 \u0111\u00e1nh l\u1eeba c\u1ea3 doanh nghi\u1ec7p, c\u1ea3 ng\u00e2n h\u00e0ng c\u0169ng nh\u01b0 c\u00e1c c\u01a1 quan qu\u1ea3n l\u00fd. M\u1ed9t khi con s\u1ed1 b\u1ecb che gi\u1ea5u, n\u1ee3 x\u1ea5u kh\u00f4ng \u0111\u00fang, s\u1ee9c kho\u1ebb doanh nghi\u1ec7p kh\u00f4ng \u0111\u00fang v\u00e0 t\u00ecnh h\u00ecnh c\u1ea3 n\u1ec1n kinh t\u1ebf kh\u00f4ng \u0111\u00fang, nguy c\u01a1 r\u1ee7i ro cho t\u1ea5t c\u1ea3 \u0111\u01b0\u01a1ng nhi\u00ean l\u00e0 l\u1edbn h\u01a1n.<\/em><\/p>\n

Tr\u00ean th\u1ef1c t\u1ebf, m\u1ed9t s\u1ed1 doanh nghi\u1ec7p l\u1edbn lu\u00f4n \u0111\u1ee9ng tr\u01b0\u1edbc tin \u0111\u1ed3n n\u1ee3 ng\u00e2n h\u00e0ng v\u1edbi s\u1ed1 l\u01b0\u1ee3ng c\u1ef1c \u201ckh\u1ee7ng\u201d. C\u00e1c doanh nghi\u1ec7p \u201cph\u1ea3i\u201d c\u00f3 d\u1ef1 \u00e1n m\u1edbi ho\u1eb7c m\u1edf r\u1ed9ng m\u1ed9t l\u0129nh v\u1ef1c kinh doanh \u0111\u1ec3 l\u00e0m c\u01a1 s\u1edf cho ng\u00e2n h\u00e0ng gi\u1ea3i ng\u00e2n. T\u1eeb \u0111\u00f3 d\u1eabn \u0111\u1ebfn kh\u00f4ng ki\u1ec3m so\u00e1t \u0111\u01b0\u1ee3c ho\u1ea1t \u0111\u1ed9ng c\u1ee7a doanh nghi\u1ec7p, r\u1ee7i ro n\u1ee3 x\u1ea5u cho ng\u00e2n h\u00e0ng.<\/em><\/p>\n

Th\u1ef1c t\u1ebf vi\u1ec7c doanh nghi\u1ec7p \u201cc\u00e0ng l\u1edbn c\u00e0ng vay\u201d nh\u00ecn chung l\u00e0 \u0111\u01b0\u01a1ng nhi\u00ean v\u00e0 ho\u00e0n to\u00e0n b\u00ecnh th\u01b0\u1eddng b\u1edfi doanh nghi\u1ec7p c\u00e0ng l\u1edbn l\u1ea1i c\u00e0ng mu\u1ed1n v\u00e0 c\u00f3 kh\u1ea3 n\u0103ng \u0111\u1ea7u t\u01b0 l\u1edbn. \u0110i \u0111\u1ed1i v\u1edbi \u0111i\u1ec1u \u0111\u00f3 l\u00e0 s\u1ed1 ti\u1ec1n vay th\u01b0\u1eddng c\u0169ng l\u1edbn t\u01b0\u01a1ng \u1ee9ng v\u1edbi quy m\u00f4 \u0111\u1ea7u t\u01b0, ph\u00e1t tri\u1ec3n d\u1ef1 \u00e1n. \u0110i\u1ec1u quan tr\u1ecdng nh\u1ea5t l\u00e0 kh\u1ea3 n\u0103ng an to\u00e0n v\u1ed1n vay, trong \u0111\u00f3 c\u00f3 t\u1ef7 l\u1ec7 vay v\u1ed1n l\u1edbn hay nh\u1ecf v\u00e0 kh\u1ea3 n\u0103ng tr\u1ea3 n\u1ee3 cao hay th\u1ea5p, ch\u1ee9 kh\u00f4ng ph\u1ea3i l\u00e0 n\u1ee3 nhi\u1ec1u hay \u00edt.<\/em><\/p>\n\n\n\n\n
\"\"<\/td>\n<\/tr>\n
M\u1ed9t s\u1ed1 doanh nghi\u1ec7p bu\u1ed9c ph\u1ea3i tri\u1ec3n khai d\u1ef1 \u00e1n \u0111\u1ec3 vay th\u00eam v\u1ed1n ng\u00e2n h\u00e0ng. \u1ea2nh minh h\u1ecda.<\/em><\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n

\u201cPhao c\u1ee9u sinh\u201d n\u00e0o cho DN?<\/strong><\/p>\n

M\u1ed9t khi doanh nghi\u1ec7p kh\u00f4ng ki\u1ec3m so\u00e1t \u0111\u01b0\u1ee3c kh\u1ea3 n\u0103ng an to\u00e0n v\u1ed1n vay, b\u00e0i h\u1ecdc v\u1ec1 n\u1ee3 x\u1ea5u n\u0103m 2008 c\u1ee7a c\u00e1c ng\u00e2n h\u00e0ng Hoa K\u1ef3 d\u01b0\u1eddng nh\u01b0 l\u1ea1i \u1ee9ng v\u1edbi m\u1ed9t s\u1ed1 tr\u01b0\u1eddng h\u1ee3p c\u1ee7a doanh nghi\u1ec7p Vi\u1ec7t Nam. Th\u00e1ng 11\/2008, T\u1ed5ng th\u1ed1ng Hoa K\u1ef3 George W.Bush \u0111\u00e3 ph\u1ea3i \u0111\u1ec7 tr\u00ecnh H\u1ea1 vi\u1ec7n ph\u00ea chu\u1ea9n g\u00f3i c\u1ee9u tr\u1ee3 700 t\u1ef7 USD cho c\u00e1c ng\u00e2n h\u00e0ng v\u00e0 c\u00f4ng ty t\u00e0i ch\u00ednh n\u01b0\u1edbc n\u00e0y. Ng\u01b0\u1eddi d\u00e2n Hoa K\u1ef3 n\u1ed5i gi\u1eadn v\u1edbi l\u00fd do c\u00e1c \u0111\u1ecbnh ch\u1ebf t\u00e0i ch\u00ednh \u0111\u00e3 ki\u1ebfm b\u1ed9n ti\u1ec1n khi th\u1ecb tr\u01b0\u1eddng thu\u1eadn l\u1ee3i, gi\u1edd l\u1ea1i d\u00f9ng ti\u1ec1n thu\u1ebf c\u1ee7a ng\u01b0\u1eddi d\u00e2n \u0111\u1ec3 s\u1eeda ch\u1eefa cho nh\u1eefng sai l\u1ea7m c\u1ee7a c\u00e1c \u00f4ng l\u1edbn ph\u1ed1 Wall. Nh\u01b0ng l\u00fac \u0111\u00f3, s\u1ef1 c\u00f4ng b\u1eb1ng \u0111\u00e3 b\u1ecb b\u1ecf qua m\u1ed9t b\u00ean, H\u1ea1 vi\u1ec7n Hoa K\u1ef3 mi\u1ec5n c\u01b0\u1ee1ng ph\u00ea chu\u1ea9n l\u1eddi th\u1ec9nh c\u1ea7u c\u1ee7a T\u1ed5ng th\u1ed1ng b\u1edfi c\u00e1c ng\u00e2n h\u00e0ng n\u00e0y l\u1edbn \u0111\u1ebfn m\u1ee9c \u201ckh\u00f4ng th\u1ec3 cho s\u1ee5p \u0111\u1ed5\u201d.<\/p>\n

X\u00e9t \u1edf g\u00f3c \u0111\u1ed9 n\u00e0o \u0111\u00f3, vi\u1ec7c nh\u00e0 n\u01b0\u1edbc xem x\u00e9t gi\u1ea3i c\u1ee9u m\u1ed9t doanh nghi\u1ec7p n\u00e0o \u0111\u00f3 qu\u1ea3 l\u00e0 c\u00f3 s\u1ef1 b\u1ea5t c\u00f4ng, kh\u00f4ng b\u00ecnh \u0111\u1eb3ng khi ch\u1ec9 c\u1ee9u doanh nghi\u1ec7p n\u00e0y m\u00e0 kh\u00f4ng c\u1ee9u doanh nghi\u1ec7p kh\u00e1c. C\u00f9ng l\u00e0 b\u1ec7nh tr\u1ecdng, nh\u01b0ng b\u1ec7nh nh\u00e2n n\u00e0y th\u00ec \u0111\u01b0\u1ee3c c\u1ee9u s\u1ed1ng v\u00ec \u0111\u01b0\u1ee3c c\u00e1c b\u00e1c s\u0129 t\u1eadn t\u00ecnh c\u1ee9u ch\u1eefa, v\u1edbi thu\u1ed1c hay, th\u1ea7y gi\u1ecfi, con b\u1ec7nh kh\u00e1c th\u00ec ph\u1ea3i ch\u1ebft ho\u1eb7c t\u00e0n t\u1eadt, v\u00ec ch\u1ec9 \u0111\u01b0\u1ee3c \u0111i\u1ec1u tr\u1ecb qua loa, to\u00e0n l\u00e0 gi\u1ea3 d\u01b0\u1ee3c.\u00a0<\/em><\/p>\n

Tuy nhi\u00ean, \u0111\u00f3 m\u1edbi ch\u1ec9 l\u00e0 b\u1ec1 n\u1ed5i, c\u1ea7n ph\u1ea3i t\u00ecm hi\u1ec3u r\u00f5 b\u1ea3n ch\u1ea5t c\u1ee7a s\u1ef1 vi\u1ec7c m\u1edbi c\u00f3 th\u1ec3 \u0111\u00e1nh gi\u00e1 \u0111\u01b0\u1ee3c l\u00e0 c\u00f3 n\u00ean c\u1ee9u, c\u1ea7n c\u1ee9u v\u00e0 ph\u1ea3i c\u1ee9u hay kh\u00f4ng. S\u1ef1 s\u1ed1ng c\u00f2n c\u1ee7a m\u1ed9t v\u00e0i doanh nghi\u1ec7p l\u1edbn, th\u1eadm ch\u00ed l\u00e0 si\u00eau l\u1edbn (ch\u1ec9 \u0111\u1ed1i v\u1edbi Vi\u1ec7t Nam), nhi\u1ec1u khi t\u00e1c \u0111\u1ed9ng d\u00e2y truy\u1ec1n v\u00e0 \u1ea3nh h\u01b0\u1edfng nhi\u1ec1u \u0111\u1ebfn n\u1ec1n kinh t\u1ebf.<\/em><\/p>\n

Ngay quy \u0111\u1ecbnh c\u1ee7a ph\u00e1p lu\u1eadt v\u1ec1 ho\u1ea1t \u0111\u1ed9ng b\u00ecnh th\u01b0\u1eddng c\u1ee7a doanh nghi\u1ec7p c\u0169ng \u0111\u00e3 c\u00f3 s\u1ef1 ph\u00e2n bi\u1ec7t kh\u00e1c nhau gi\u1eefa doanh nghi\u1ec7p nh\u1ecf v\u00e0 l\u1edbn. Ch\u1eb3ng h\u1ea1n nh\u01b0 doanh nghi\u1ec7p v\u1eeba v\u00e0 nh\u1ecf thu\u1ed9c nh\u00f3m \u0111\u1ed1i t\u01b0\u1ee3ng \u0111\u01b0\u1ee3c \u01b0u \u0111\u00e3i v\u1ec1 l\u00e3i su\u1ea5t vay ng\u00e2n h\u00e0ng, \u0111\u01b0\u1ee3c qu\u1ef9 b\u1ea3o l\u00e3nh doanh nghi\u1ec7p nh\u1ecf v\u00e0 v\u1eeba b\u1ea3o l\u00e3nh vay v\u1ed1n ng\u00e2n h\u00e0ng, hay \u0111\u01b0\u1ee3c \u00e1p d\u1ee5ng l\u1ed9 tr\u00ecnh gi\u1ea3m thu\u1ebf su\u1ea5t thu nh\u1eadp doanh nghi\u1ec7p xu\u1ed1ng 20% tr\u01b0\u1edbc doanh nghi\u1ec7p l\u1edbn.<\/em><\/p>\n

\u201cTuy nhi\u00ean, gi\u1ea3i c\u1ee9u doanh nghi\u1ec7p l\u1edbn t\u1ee9c l\u00e0 \u1ea3nh h\u01b0\u1edfng \u0111\u1ebfn s\u1ef1 v\u1eadn h\u00e0nh b\u00ecnh th\u01b0\u1eddng c\u1ee7a n\u1ec1n kinh t\u1ebf th\u1ecb tr\u01b0\u1eddng, th\u1eadm ch\u00ed l\u00e0m m\u00e9o m\u00f3 m\u00f4i tr\u01b0\u1eddng kinh doanh. T\u1ea5t nhi\u00ean, n\u1ebfu \u0111i\u1ec1u g\u00ec \u0111\u00f3 r\u1ea5t kh\u00f4ng h\u1ee3p l\u00fd v\u1edbi n\u1ec1n kinh t\u1ebf th\u1ecb tr\u01b0\u1eddng \u0111\u00fang ngh\u0129a th\u00ec r\u1ea5t c\u00f3 th\u1ec3 l\u1ea1i ph\u00f9 h\u1ee3p v\u1edbi n\u1ec1n kinh t\u1ebf th\u1ecb tr\u01b0\u1eddng \u0111\u1ecbnh h\u01b0\u1edbng XHCN,\u201d Lu\u1eadt s\u01b0 Tr\u01b0\u01a1ng Thanh \u0110\u1ee9c n\u00f3i.<\/em><\/p>\n

\u0110\u1ed1i v\u1edbi m\u1ed9t doanh nghi\u1ec7p n\u00e0o \u0111\u00f3 r\u01a1i v\u00e0o kh\u1ee7ng ho\u1ea3ng n\u1ee3 v\u00e0 c\u1ea7n \u0111\u01b0\u1ee3c gi\u1ea3i c\u1ee9u, Lu\u1eadt s\u01b0 Tr\u01b0\u01a1ng Thanh \u0110\u1ee9c cho r\u1eb1ng c\u00f3 nhi\u1ec1u ph\u01b0\u01a1ng \u00e1n c\u00f3 th\u1ec3 \u00e1p d\u1ee5ng nh\u01b0: gi\u00e3n n\u1ee3 b\u1eb1ng vi\u1ec7c gia h\u1ea1n n\u1ee3, \u0111i\u1ec1u ch\u1ec9nh k\u1ef3 h\u1ea1n tr\u1ea3 n\u1ee3; \u0111\u1ea3o n\u1ee3; cho vay th\u00eam v\u1ed1n \u0111\u1ec3 \u0111\u1ea9y m\u1ea1nh s\u1ea3n xu\u1ea5t kinh doanh; khoanh n\u1ee3 (t\u1ea1m d\u1eebng thu n\u1ee3 v\u00e0 d\u1eebng t\u00ednh l\u00e3i); xo\u00e1, mi\u1ec5n, gi\u1ea3m n\u1ee3 g\u1ed1c v\u00e0 l\u00e3i; b\u00e1n n\u1ee3 (cho VAMC ho\u1eb7c c\u00e1c t\u1ed5 ch\u1ee9c kh\u00e1c),\u2026 Trong \u0111\u00f3 vi\u1ec7c gi\u00e3n n\u1ee3 v\u00e0 \u0111\u1ea3o n\u1ee3 l\u00e0 d\u1ec5 \u0111\u01b0\u1ee3c ch\u1ea5p nh\u1eadn h\u01a1n c\u1ea3.<\/em><\/p>\n

Tuy nhi\u00ean, Lu\u1eadt s\u01b0 Tr\u01b0\u01a1ng Thanh \u0110\u1ee9c c\u0169ng cho r\u1eb1ng ph\u01b0\u01a1ng \u00e1n c\u1ee9u t\u1ed1t nh\u1ea5t l\u00e0 ch\u00ednh doanh nghi\u1ec7p ph\u1ea3i m\u1ea1nh d\u1ea1n ch\u1ea5p nh\u1eadn t\u00e1i c\u01a1 c\u1ea5u, c\u1eaft b\u1ecf, hy sinh b\u1edbt quy m\u00f4 v\u00e0 l\u1ee3i \u00edch, ch\u1ee9 kh\u00f4ng th\u1ec3 gi\u1eef l\u1ea1i to\u00e0n b\u1ed9. V\u00ec v\u1eady, mu\u1ed1n nhanh ch\u00f3ng v\u01b0\u1ee3t qua kh\u00f3 kh\u0103n v\u00e0 d\u1ec5 \u0111\u01b0\u1ee3c ng\u00e2n h\u00e0ng ch\u1ea5p nh\u1eadn gi\u1ea3i c\u1ee9u th\u00ec ph\u1ea3i c\u1eaft gi\u1ea3m, ti\u1ebft ki\u1ec7m chi ph\u00ed; b\u00e1n b\u1edbt n\u1ee3 x\u1ea5u \u0111\u1ec3 l\u00e0m trong s\u1ea1ch s\u1ed5 s\u00e1ch; b\u00e1n b\u1edbt t\u00e0i s\u1ea3n (nh\u1ea5t l\u00e0 t\u00e0i s\u1ea3n th\u1ebf ch\u1ea5p) \u0111\u1ec3 tr\u1ea3 n\u1ee3; b\u00e1n b\u1edbt d\u1ef1 \u00e1n kh\u00f4ng ph\u1ea3i l\u00e0 ho\u1ea1t \u0111\u1ed9ng c\u1ed1t l\u00f5i \u0111\u1ec3 t\u1eadp trung n\u0103ng l\u1ef1c kh\u00f4i ph\u1ee5c doanh nghi\u1ec7p.<\/em><\/p>\n

Nguy\u1ec5n Tu\u00e2n<\/strong><\/p>\n

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

Infonet (Doanh nghi\u1ec7p) 24-5-2016:<\/em><\/strong><\/p>\n

http:\/\/infonet.vn\/ngan-hang-cho-vay-dao-no-tu-mu-rui-ro-post199438.info<\/em><\/a><\/p>\n

(1.300\/1.500)<\/em>","protected":false},"excerpt":{"rendered":"

(IFN) – Vi\u1ec7c cho vay \u0111\u1ea3o n\u1ee3 (cho vay n\u1ee3 m\u1edbi \u0111\u1ec3 tr\u1ea3 n\u1ee3 c\u0169) r\u1ea5t r\u1ee7i ro n\u1ebfu cho vay \u0111\u1ea3o n\u1ee3 kh\u00f4ng \u0111\u00fang quy \u0111\u1ecbnh, kh\u00f4ng \u0111\u1ea3m b\u1ea3o c\u00e1c \u0111i\u1ec1u ki\u1ec7n cho vay an to\u00e0n, trong \u0111\u00f3 c\u00f3 vi\u1ec7c nh\u1eb1m m\u1ee5c \u0111\u00edch che gi\u1ea5u, l\u1ea5p li\u1ebfm n\u1ee3 x\u1ea5u. C\u0169ng gi\u1ed1ng nh\u01b0 vi\u1ec7c cho […]<\/p>\n","protected":false},"author":3,"featured_media":22301,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":""},"categories":[27,26],"tags":[],"class_list":["post-22300","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-interviews","category-legal-media"],"acf":[],"yoast_head":"\n1.099. Ng\u00e2n h\u00e0ng cho vay \u0111\u1ea3o n\u1ee3: T\u00f9 m\u00f9, r\u1ee7i ro - 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\/1-099-ngan-hang-cho-vay-dao-no-tu-mu-rui-ro\/\" \/>\n<meta property=\"og:locale\" content=\"vi_VN\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"[:vi]1.099. Ng\u00e2n h\u00e0ng cho vay \u0111\u1ea3o n\u1ee3: T\u00f9 m\u00f9, r\u1ee7i ro[:] - ANVI Law Firm\" \/>\n<meta property=\"og:description\" content=\"(IFN) – Vi\u1ec7c cho vay \u0111\u1ea3o n\u1ee3 (cho vay n\u1ee3 m\u1edbi \u0111\u1ec3 tr\u1ea3 n\u1ee3 c\u0169) r\u1ea5t r\u1ee7i ro n\u1ebfu cho vay \u0111\u1ea3o n\u1ee3 kh\u00f4ng \u0111\u00fang quy \u0111\u1ecbnh, kh\u00f4ng \u0111\u1ea3m b\u1ea3o c\u00e1c \u0111i\u1ec1u ki\u1ec7n cho vay an to\u00e0n, trong \u0111\u00f3 c\u00f3 vi\u1ec7c nh\u1eb1m m\u1ee5c \u0111\u00edch che gi\u1ea5u, l\u1ea5p li\u1ebfm n\u1ee3 x\u1ea5u. 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