{"id":22498,"date":"2014-01-06T14:54:21","date_gmt":"2014-01-06T07:54:21","guid":{"rendered":"https:\/\/anvilaw.com\/vi\/?p=22498"},"modified":"2022-05-23T13:51:26","modified_gmt":"2022-05-23T06:51:26","slug":"428-tai-chinh-vi-mo-san-choi-lon-chua-dinh-hinh","status":"publish","type":"post","link":"https:\/\/anvilaw.com\/vi\/428-tai-chinh-vi-mo-san-choi-lon-chua-dinh-hinh\/","title":{"rendered":"428. T\u00e0i ch\u00ednh vi m\u00f4: S\u00e2n ch\u01a1i l\u1edbn ch\u01b0a \u0111\u1ecbnh h\u00ecnh"},"content":{"rendered":"(\u0110TTC) – Nh\u1eefng ho\u1ea1t \u0111\u1ed9ng t\u00edn d\u1ee5ng nh\u01b0 t\u1ed5 ch\u1ee9c c\u00e1c \u0111o\u00e0n cho vay h\u1ed7 tr\u1ee3 ng\u01b0\u1eddi ngh\u00e8o, c\u00f4ng ty t\u00e0i ch\u00ednh (CTTC) k\u1ebft h\u1ee3p nh\u00e0 ph\u00e2n ph\u1ed1i b\u00e1n xe tr\u1ea3 g\u00f3p, hay c\u1ea3 nh\u1eefng ti\u1ec7m c\u1ea7m \u0111\u1ed3, ch\u00ednh l\u00e0 h\u00ecnh th\u00e1i c\u1ee7a t\u00e0i ch\u00ednh vi m\u00f4 (TCVM). \u0110\u00e3 xu\u1ea5t hi\u1ec7n, v\u1eadn h\u00e0nh t\u1eeb r\u1ea5t l\u00e2u, nh\u01b0ng hi\u1ec7n t\u1ea1i th\u1ecb tr\u01b0\u1eddng TCVM n\u01b0\u1edbc ta v\u1eabn ch\u01b0a \u0111\u01b0\u1ee3c \u0111\u1ecbnh h\u00ecnh r\u00f5 r\u00e0ng.<\/strong><\/p>\n

Ho\u1ea1t \u0111\u1ed9ng ch\u01b0a r\u00f5 n\u00e9t<\/strong><\/p>\n

Theo quan \u0111i\u1ec3m c\u1ee7a Ng\u00e2n h\u00e0ng Ph\u00e1t tri\u1ec3n ch\u00e2u \u00c1 (ADB), TCVM s\u1ebd cung c\u1ea5p m\u1ed9t ph\u1ea1m vi r\u1ed9ng c\u00e1c d\u1ecbch v\u1ee5 t\u00e0i ch\u00ednh nh\u01b0 ti\u1ec1n g\u1eedi, t\u00e0i kho\u1ea3n ti\u1ebft ki\u1ec7m, thanh to\u00e1n, b\u1ea3o hi\u1ec3m, chuy\u1ec3n ti\u1ec1n cho ng\u01b0\u1eddi ngh\u00e8o ho\u1eb7c c\u00e1c h\u1ed9 gia \u0111\u00ecnh c\u00f3 thu nh\u1eadp th\u1ea5p, cho nh\u1eefng ho\u1ea1t \u0111\u1ed9ng kinh doanh c\u00e1 th\u1ec3 ho\u1eb7c doanh nghi\u1ec7p r\u1ea5t nh\u1ecf.<\/p>\n\n\n\n
Hi\u1ec7n t\u1ea1i, ch\u00fang ta \u0111ang th\u1ea5y c\u00e1c t\u1ed5 ch\u1ee9c TCVM ch\u1ec9 ch\u00fa tr\u1ecdng \u0111\u1ebfn cho vay ti\u00eau d\u00f9ng, c\u00e1c c\u00f4ng ty l\u00e0m \u0103n t\u01b0\u01a1ng \u0111\u1ed1i b\u00e0i b\u1ea3n, chuy\u00ean nghi\u1ec7p, h\u1ecd m\u1edf r\u1ed9ng nh\u1eefng ho\u1ea1t \u0111\u1ed9ng qu\u1ea3ng b\u00e1, ti\u1ebfp th\u1ecb r\u1ed9ng kh\u1eafp. Nh\u01b0ng m\u1ea3ng TCVM d\u00e0nh cho ng\u01b0\u1eddi lao \u0111\u1ed9ng, ng\u01b0\u1eddi ngh\u00e8o v\u1eabn ch\u01b0a ph\u00e1t tri\u1ec3n t\u01b0\u01a1ng x\u1ee9ng nh\u01b0 v\u1eady.<\/strong><\/p>\n

Th.S \u0110\u1ed7 Thanh N\u0103m,<\/strong>\u00a0<\/strong>
\n<\/strong>Gi\u00e1m \u0111\u1ed1c C\u00f4ng ty T\u01b0 v\u1ea5n chi\u1ebfn l\u01b0\u1ee3c Win Win<\/em><\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n

T\u1ea1i H\u1ed9i ngh\u1ecb Th\u01b0\u1ee3ng \u0111\u1ec9nh to\u00e0n c\u1ea7u v\u1ec1 t\u00edn d\u1ee5ng vi m\u00f4 \u1edf Washington, Hoa K\u1ef3 di\u1ec5n ra v\u00e0o th\u00e1ng 2-1997, TCVM \u0111\u01b0\u1ee3c \u0111\u1ecbnh ngh\u0129a l\u00e0 c\u00e1c ho\u1ea1t \u0111\u1ed9ng c\u00f3 m\u1ee5c \u0111\u00edch cung c\u1ea5p c\u00e1c kho\u1ea3n vay quy m\u00f4 nh\u1ecf \u0111\u1ebfn \u0111\u1ed1i t\u01b0\u1ee3ng ng\u01b0\u1eddi ngh\u00e8o \u0111\u1ec3 tri\u1ec3n khai s\u1ea3n xu\u1ea5t kinh doanh, t\u1ea1o ra l\u1ee3i nhu\u1eadn, n\u00e2ng cao ch\u1ea5t l\u01b0\u1ee3ng \u0111\u1eddi s\u1ed1ng.<\/p>\n

C\u0103n c\u1ee9 tr\u00ean \u0111\u1ecbnh ngh\u0129a n\u00e0y, h\u1ee3p t\u00e1c x\u00e3 t\u00edn d\u1ee5ng, h\u1ec7 th\u1ed1ng qu\u1ef9 t\u00edn d\u1ee5ng, c\u00e1c ho\u1ea1t \u0111\u1ed9ng cho vay h\u1ed7 tr\u1ee3 t\u1eeb H\u1ed9i Li\u00ean hi\u1ec7p Ph\u1ee5 n\u1eef, H\u1ed9i N\u00f4ng d\u00e2n\u2026 ch\u00ednh l\u00e0 c\u00e1c t\u1ed5 ch\u1ee9c TCVM. Nh\u01b0ng trong suy ngh\u0129 c\u1ee7a nhi\u1ec1u ng\u01b0\u1eddi hi\u1ec7n nay, TCVM l\u1ea1i b\u00f3 h\u1eb9p trong c\u00e1c d\u1ecbch v\u1ee5 c\u1ee7a c\u00e1c CTTC nh\u01b0 Prudential, Home Credit, ACS\u2026 v\u1edbi c\u00e1c s\u1ea3n ph\u1ea9m h\u1ed7 tr\u1ee3 cho ng\u01b0\u1eddi ti\u00eau d\u00f9ng, m\u00e0 c\u1ee5 th\u1ec3 nh\u1ea5t l\u00e0 mua tr\u1ea3 g\u00f3p.<\/p>\n

Theo lu\u1eadt s\u01b0 Tr\u01b0\u01a1ng Thanh \u0110\u1ee9c, Ch\u1ee7 nhi\u1ec7m C\u00e2u l\u1ea1c b\u1ed9 Ph\u00e1p ch\u1ebf ng\u00e2n h\u00e0ng (thu\u1ed9c Hi\u1ec7p h\u1ed9i Ng\u00e2n h\u00e0ng Vi\u1ec7t Nam – VNBA), s\u1ef1 kh\u00e1c bi\u1ec7t n\u00e0y xu\u1ea5t ph\u00e1t t\u1eeb ho\u1ea1t \u0111\u1ed9ng nh\u00ecn chung c\u00f2n manh m\u00fan, nh\u1ecf l\u1ebb v\u00e0 ch\u01b0a x\u00e1c l\u1eadp \u0111\u01b0\u1ee3c r\u00f5 r\u00e0ng th\u1ecb ph\u1ea7n c\u1ee7a c\u00e1c t\u1ed5 ch\u1ee9c TCVM<\/em>.<\/p>\n

M\u1ed9t ng\u01b0\u1eddi \u0111\u00e3 c\u00f3 th\u00e2m ni\u00ean l\u00e0m vi\u1ec7c trong ng\u00e0nh ng\u00e2n h\u00e0ng \u0111\u01b0a ra so s\u00e1nh: Hi\u1ec7n nay, vay ti\u00eau d\u00f9ng t\u1eeb ng\u00e2n h\u00e0ng l\u00e3i su\u1ea5t s\u1ebd dao \u0111\u1ed9ng trong kho\u1ea3ng 10-12%\/n\u0103m, k\u00e8m theo \u0111\u00f3 ph\u1ea3i c\u00f3 t\u00e0i s\u1ea3n th\u1ebf ch\u1ea5p. C\u00f2n vay ti\u00eau d\u00f9ng t\u1eeb c\u00e1c CTTC v\u00e0 tr\u1ea3 d\u1ea7n h\u00e0ng th\u00e1ng, t\u00ednh ra l\u00e3i su\u1ea5t c\u0169ng ph\u1ea3i 20%\/n\u0103m, g\u1ea5p \u0111\u00f4i vay ng\u00e2n h\u00e0ng, nh\u01b0ng th\u1ee7 t\u1ee5c vay nhanh h\u01a1n, kh\u00f4ng c\u1ea7n t\u00e0i s\u1ea3n th\u1ebf ch\u1ea5p.<\/p>\n

S\u1ef1 kh\u00e1c bi\u1ec7t n\u00e0y cho th\u1ea5y c\u00e1c ng\u00e2n h\u00e0ng v\u00e0 CTTC c\u00f3 th\u1ecb ph\u1ea7n ri\u00eang trong m\u1ea3ng cho vay ti\u00eau d\u00f9ng, kh\u00f4ng \u0111\u1ee5ng nhau, nh\u1eefng ng\u01b0\u1eddi kh\u00f4ng th\u1ec3 vay t\u1eeb ng\u00e2n h\u00e0ng s\u1ebd t\u00ecm \u0111\u1ebfn CTTC. Nh\u01b0ng \u1edf \u0111\u00e2y c\u0169ng r\u1ea5t d\u1ec5 t\u1ea1o ra r\u1ee7i ro l\u00e0 CTTC ph\u1ea3i \u201ch\u1edbt v\u00e1ng\u201d t\u1eeb th\u1ecb ph\u1ea7n c\u1ee7a ng\u00e2n h\u00e0ng.<\/p>\n

C\u1ea7n gi\u1ea3i ph\u00e1p t\u1ed5ng th\u1ec3<\/strong><\/p>\n

Ch\u1ee7 c\u1eeda h\u00e0ng \u0111i\u1ec7n tho\u1ea1i di \u0111\u1ed9ng Anh Khoa tr\u00ean \u0111\u01b0\u1eddng H\u00f9ng V\u01b0\u01a1ng (qu\u1eadn 5, TPHCM), cho bi\u1ebft m\u1ed9t s\u1ed1 kh\u00e1ch sau khi mua \u0111i\u1ec7n tho\u1ea1i t\u1ea1i c\u00e1c shop l\u1edbn \u0111\u00e3 \u0111\u1ebfn b\u00e1n l\u1ea1i cho ch\u1ecb v\u00e0 ch\u1ea5p nh\u1eadn ch\u1ecbu l\u1ed7 \u0111\u1ec3 l\u1ea5y ti\u1ec1n v\u1ec1. L\u00fd do kh\u00f4ng ph\u1ea3i v\u00ec kh\u00e1ch h\u00e0ng kh\u00f4ng th\u00edch n\u00ean b\u00e1n l\u1ea1i, m\u00e0 \u0111\u00e2y l\u00e0 m\u1ed9t chi\u00eau \u0111\u1ec3 vay ti\u1ec1n t\u1eeb c\u00e1c CTTC \u0111\u1ec3 mua \u0111i\u1ec7n tho\u1ea1i tr\u01b0\u1edbc \u0111\u00f3.<\/p>\n

Hi\u1ec7n nay, th\u1ee7 t\u1ee5c \u0111\u1ec3 mua tr\u1ea3 g\u00f3p kh\u00e1 \u0111\u01a1n gi\u1ea3n, ch\u1ec9 c\u1ea7n \u0111\u01b0a ch\u1ee9ng minh nh\u00e2n d\u00e2n, h\u1ed9 kh\u1ea9u v\u00e0 tr\u1ea3i qua kho\u1ea3ng t\u1eeb 15 ph\u00fat \u0111\u1ebfn 1 ng\u00e0y x\u00e9t duy\u1ec7t l\u00e0 c\u00f3 th\u1ec3 mua h\u00e0ng, kh\u00f4ng c\u1ea7n t\u00e0i s\u1ea3n th\u1ebf ch\u1ea5p. \u0110\u1ed1i v\u1edbi nh\u1eefng ng\u01b0\u1eddi ngh\u00e8o, \u0111ang k\u1eb9t ti\u1ec1n th\u1ef1c s\u1ef1, \u0111\u00e2y l\u00e0 c\u00e1ch th\u1ee9c r\u1ea5t h\u1eefu hi\u1ec7u m\u00e0 kh\u00f4ng m\u1ea5t nhi\u1ec1u th\u1eddi gian.<\/p>\n

\u0110\u1ed1i v\u1edbi h\u1ecd, l\u00e3i su\u1ea5t tr\u1ea3 g\u00f3p d\u00f9 20% hay 25%\/n\u0103m v\u1eabn c\u00f2n r\u1ebb, b\u1edfi n\u1ebfu vay n\u00f3ng t\u1eeb c\u00e1c ngu\u1ed3n kh\u00e1c l\u00e3i su\u1ea5t c\u00f3 th\u1ec3 l\u00ean \u0111\u1ebfn 5-7,5%\/th\u00e1ng, t\u1ee9c vay 1 tri\u1ec7u \u0111\u1ed3ng, m\u1ed7i th\u00e1ng tr\u1ea3 50.000-75.000 \u0111\u1ed3ng, quy ra l\u00e3i su\u1ea5t n\u0103m l\u00e0 60-90%.<\/p>\n\n\n\n
Vi\u1ec7c HDBank c\u00f4ng b\u1ed1 mua l\u1ea1i CTTC Vi\u1ec7t Societe Generale (SGVF) h\u1ed3i th\u00e1ng 8 c\u00f3 th\u1ec3 l\u00e0 m\u1ed9t ch\u1ec9 b\u00e1o d\u00f2ng v\u1ed1n trong n\u01b0\u1edbc c\u0169ng s\u1ebd tham gia ho\u1ea1t \u0111\u1ed9ng TCVM v\u00e0 c\u1ea1nh tranh v\u1edbi c\u00e1c \u0111\u1ed1i t\u00e1c ngo\u1ea1i trong th\u1eddi gian t\u1edbi. Th\u1ef1c ch\u1ea5t, c\u00e1c t\u1ed5 ch\u1ee9c TCVM trong n\u01b0\u1edbc \u0111\u00e3 \u0111\u1ea1t \u0111\u01b0\u1ee3c nh\u1eefng th\u00e0nh qu\u1ea3 nh\u1ea5t \u0111\u1ecbnh trong ho\u1ea1t \u0111\u1ed9ng, trong c\u00e1c l\u0129nh v\u1ef1c, ph\u00e2n kh\u00fac kh\u00e1c nhau. TCVM kh\u00f4ng ch\u1ec9 g\u00f3i g\u1ecdn trong m\u1ea3ng ti\u00eau d\u00f9ng m\u00e0 c\u00f2n r\u1ea5t nhi\u1ec1u ph\u00e2n kh\u00fac kh\u00e1c c\u00f3 th\u1ec3 khai th\u00e1c tri\u1ec7t \u0111\u1ec3.<\/strong><\/p>\n

LS. Tr\u1ea7n Minh H\u1ea3i<\/strong>,<\/em>\u00a0<\/em>
\nGi\u00e1m \u0111\u1ed1c C\u00f4ng ty Lu\u1eadt Basi co<\/em><\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n

C\u0169ng ph\u1ea3i n\u00f3i th\u00eam, n\u1ebfu mua xe tr\u1ea3 g\u00f3p, th\u01b0\u1eddng CTTC s\u1ebd y\u00eau c\u1ea7u ng\u01b0\u1eddi mua \u0111\u1ec3 l\u1ea1i gi\u1ea5y \u0111\u0103ng k\u00fd xe cho \u0111\u1ebfn khi tr\u1ea3 h\u1ebft ti\u1ec1n, nh\u01b0ng mua \u0111i\u1ec7n tho\u1ea1i di \u0111\u1ed9ng tr\u1ea3 g\u00f3p kh\u00f4ng c\u00f3 g\u00ec \u0111\u1ec3 th\u1ebf ch\u1ea5p n\u00ean r\u1ee7i ro t\u0103ng l\u00ean g\u1ea5p b\u1ed9i.<\/p>\n

\u1ede \u0111\u00e2y, v\u1ec1 m\u1eb7t danh ngh\u0129a, cho mua xe tr\u1ea3 g\u00f3p l\u00e0 h\u00ecnh th\u1ee9c cho vay t\u00edn ch\u1ea5p, nh\u01b0ng th\u1ef1c ra l\u00e0 c\u00f3 th\u1ebf ch\u1ea5p m\u00e0 t\u00e0i s\u1ea3n ch\u00ednh l\u00e0 gi\u1ea5y \u0111\u0103ng k\u00fd xe. Nh\u01b0ng l\u00e3i su\u1ea5t cho vay mua xe tr\u1ea3 g\u00f3p c\u0169ng t\u01b0\u01a1ng \u0111\u01b0\u01a1ng v\u1edbi mua tr\u1ea3 g\u00f3p \u0111i\u1ec7n tho\u1ea1i, n\u00ean cu\u1ed1i c\u00f9ng CTTC cho vay c\u00f3 t\u00e0i s\u1ea3n th\u1ebf ch\u1ea5p l\u1ea1i c\u0169ng cao ngang v\u1edbi t\u00edn ch\u1ea5p. C\u00f3 th\u1ec3 n\u00f3i \u0111\u00e2y l\u00e0 m\u1ed9t \u0111i\u1ec1u b\u1ea5t h\u1ee3p l\u00fd.<\/p>\n

\u0110\u1ed1i v\u1edbi ho\u1ea1t \u0111\u1ed9ng TCVM c\u1ee7a c\u00e1c h\u1ed9i, \u0111o\u00e0n th\u1ec3 hi\u1ec7n nay, lu\u1eadt s\u01b0 Tr\u1ea7n Minh H\u1ea3i, Gi\u00e1m \u0111\u1ed1c C\u00f4ng ty Lu\u1eadt B\u00e1i co, ch\u1ec9 ra m\u1ed9t ngh\u1ecbch l\u00fd: \u201cT\u1eeb tr\u01b0\u1edbc \u0111\u1ebfn nay, t\u1ed5 ch\u1ee9c TCVM nh\u01b0 c\u00e1c qu\u1ef9 c\u1ee7a h\u1ed9i, \u0111o\u00e0n cho c\u00e1c th\u00e0nh vi\u00ean vay v\u1ed1n \u0111\u00e3 ph\u00e1t huy \u0111\u00e1ng k\u1ec3 hi\u1ec7u qu\u1ea3 trong vi\u1ec7c x\u00f3a \u0111\u00f3i, gi\u1ea3m ngh\u00e8o, g\u00f3p ph\u1ea7n c\u1ee7ng c\u1ed1 an sinh x\u00e3 h\u1ed9i, c\u1ea3i thi\u1ec7n cu\u1ed9c s\u1ed1ng. C\u00e1c t\u1ed5 ch\u1ee9c TCVM d\u1ea1ng n\u00e0y s\u1ebd \u0111\u01b0\u1ee3c \u0111\u01b0a v\u1ec1 cho Ng\u00e2n h\u00e0ng Nh\u00e0 n\u01b0\u1edbc qu\u1ea3n l\u00fd. Nh\u01b0ng v\u1ea5n \u0111\u1ec1 l\u00e0 c\u00e1c ti\u00eau chu\u1ea9n, quy \u0111\u1ecbnh \u0111\u01b0\u1ee3c \u0111\u01b0a ra v\u1eabn ch\u01b0a th\u1ef1c s\u1ef1 linh \u0111\u1ed9ng. Th\u00ed d\u1ee5, n\u1ebfu l\u1ea5y c\u00e1c quy \u0111\u1ecbnh c\u1ee7a ng\u00e2n h\u00e0ng, ch\u1eb3ng h\u1ea1n nh\u01b0 vay t\u00edn ch\u1ea5p l\u00e3i su\u1ea5t ph\u1ea3i cao \u0111\u1ec3 b\u00f9 \u0111\u1eafp r\u1ee7i ro, mang \u00e1p d\u1ee5ng cho c\u00e1c t\u1ed5 ch\u1ee9c TCVM c\u00f3 th\u1ec3 b\u1ecb \u201cd\u1ed9i ch\u1ee3\u201d.<\/p>\n

Trong khi \u0111\u00f3, c\u00e1c t\u1ed5 ch\u1ee9c TCVM t\u01b0\u01a1ng \u0111\u1ed1i linh ho\u1ea1t trong l\u00e3i su\u1ea5t h\u1ed7 tr\u1ee3 c\u00e1c h\u1ed9 ngh\u00e8o, c\u00e1c kho\u1ea3n vay c\u0169ng kh\u00f4ng c\u00f3 t\u00e0i s\u1ea3n \u0111\u1ea3m b\u1ea3o. Do v\u1eady n\u1ebfu \u00e1p l\u00e3i su\u1ea5t cao c\u00f3 th\u1ec3 khi\u1ebfn nh\u1eefng ng\u01b0\u1eddi cho vay g\u1eb7p r\u1ea5t nhi\u1ec1u th\u00e1ch th\u1ee9c. N\u1ebfu c\u00e1c t\u1ed5 ch\u1ee9c TCVM v\u1eabn ti\u1ebfp t\u1ee5c cho vay s\u1ebd d\u1eabn \u0111\u1ebfn kh\u1ea3 n\u0103ng l\u00e0m sai quy \u0111\u1ecbnh\u201d.<\/p>\n

Th\u1ef1c t\u1ebf hi\u1ec7n nay, r\u1ea5t nhi\u1ec1u ti\u1ec7m c\u1ea7m \u0111\u1ed3 \u0111ang ho\u1ea1t \u0111\u1ed9ng v\u00e0 \u0111\u00e2y c\u0169ng l\u00e0 m\u1ed9t h\u00ecnh th\u00e1i c\u1ee7a TCVM, nh\u01b0ng c\u01a1 ch\u1ebf qu\u1ea3n l\u00fd l\u1ea1i t\u01b0\u01a1ng \u0111\u1ed1i l\u1ecfng l\u1ebbo. Nh\u01b0 v\u1eady, n\u1ebfu qu\u1ea3n l\u00fd c\u00e1c t\u1ed5 ch\u1ee9c TCVM qu\u00e1 ch\u1eb7t s\u1ebd d\u1eabn \u0111\u1ebfn vi\u1ec7c t\u1ea1o c\u01a1 h\u1ed9i cho c\u00e1c ho\u1ea1t \u0111\u1ed9ng t\u00edn d\u1ee5ng mang t\u00ednh t\u1ef1 ph\u00e1t xu\u1ea5t hi\u1ec7n.<\/p>\n

Ph\u00f3 t\u1ed5ng gi\u00e1m \u0111\u1ed1c m\u1ed9t ng\u00e2n h\u00e0ng k\u1ec3 l\u1ea1i vi\u1ec7c \u00f4ng \u0111\u00e3 t\u1eebng ch\u1ee9ng ki\u1ebfn c\u00f4ng nh\u00e2n t\u1ea1i m\u1ed9t khu c\u00f4ng nghi\u1ec7p thi\u1ebfu ti\u1ec1n \u0111\u1ec3 mua g\u1ea1o, \u0111\u00e3 ph\u1ea3i \u0111i vay m\u1ed7i l\u1ea7n 100.000-200.000 \u0111\u1ed3ng \u0111\u1ec3 c\u00f3 b\u1eefa c\u01a1m qua ng\u00e0y, \u0111\u1ebfn khi c\u00f3 l\u01b0\u01a1ng th\u00e1ng tr\u1ea3 l\u1ea1i cho ch\u1ee7 n\u1ee3.<\/p>\n

\u0110\u00e3 \u0111\u1ebfn l\u00fac c\u01a1 quan qu\u1ea3n l\u00fd ph\u1ea3i c\u00f3 m\u1ed9t b\u1ed9 ph\u1eadn chuy\u00ean tr\u00e1ch, kh\u00f4ng ch\u1ec9 gi\u00e1m s\u00e1t, \u0111\u1ea3m b\u1ea3o an to\u00e0n trong ho\u1ea1t \u0111\u1ed9ng c\u1ee7a c\u00e1c t\u1ed5 ch\u1ee9c TCVM, m\u00e0 c\u1ea7n ph\u1ea3i c\u00f3 nh\u1eefng gi\u1ea3i ph\u00e1p mang t\u00ednh \u0111\u1ecbnh h\u01b0\u1edbng, chi\u1ebfn l\u01b0\u1ee3c. Th\u00f4ng t\u01b0 135\/2013\/TT-BTC \u0111\u01b0\u1ee3c B\u1ed9 T\u00e0i ch\u00ednh ban h\u00e0nh m\u1edbi \u0111\u00e2y \u0111\u00e3 mi\u1ec5n thu\u1ebf trong 2 n\u0103m v\u00e0 gi\u1ea3m 50% thu\u1ebf thu nh\u1eadp trong 4 n\u0103m ti\u1ebfp theo cho thu nh\u1eadp t\u1eeb ho\u1ea1t \u0111\u1ed9ng TCVM, c\u00f3 th\u1ec3 l\u00e0 h\u01b0\u1edbng \u0111i h\u1ee3p l\u00fd.<\/p>\n

C\u00f2n nhi\u1ec1u d\u01b0 \u0111\u1ecba ph\u00e1t tri\u1ec3n<\/strong><\/p>\n

T\u1ea1i c\u00e1c h\u1ec7 th\u1ed1ng ph\u00e2n ph\u1ed1i l\u1edbn nh\u01b0 Nguy\u1ec5n Kim, Th\u1ebf gi\u1edbi di \u0111\u1ed9ng, c\u00e1c c\u1eeda h\u00e0ng b\u00e1n xe g\u1eafn m\u00e1y \u0111\u1ec1u c\u00f3 s\u1ef1 h\u1ee3p t\u00e1c v\u1edbi CTTC \u0111\u1ec3 tri\u1ec3n khai ho\u1ea1t \u0111\u1ed9ng b\u00e1n tr\u1ea3 g\u00f3p. M\u1ed9t \u0111i\u1ec3m d\u1ec5 nh\u1eadn th\u1ea5y l\u00e0 h\u1ea7u h\u1ebft th\u01b0\u01a1ng hi\u1ec7u t\u00e0i ch\u00ednh ti\u00eau d\u00f9ng \u0111\u1ec1u l\u00e0 h\u00e0ng ngo\u1ea1i, c\u00f2n c\u00e1c \u0111\u01a1n v\u1ecb trong n\u01b0\u1edbc d\u01b0\u1eddng nh\u01b0 v\u1eabn ch\u01b0a tham gia nhi\u1ec1u.<\/p>\n

V\u00e0 ngay c\u1ea3 gi\u1eefa c\u00e1c th\u01b0\u01a1ng hi\u1ec7u ngo\u1ea1i, \u0111\u00e2y c\u0169ng m\u1edbi l\u00e0 giai \u0111o\u1ea1n t\u00ecm ki\u1ebfm, m\u1edf r\u1ed9ng, ch\u01b0a \u0111\u1ebfn l\u00fac ph\u1ea3i gi\u00e0nh gi\u1eadt th\u1ecb ph\u1ea7n. M\u1ed9t ng\u01b0\u1eddi \u0111\u00e3 c\u00f3 nhi\u1ec1u n\u0103m kinh doanh trong l\u0129nh v\u1ef1c xe g\u1eafn m\u00e1y, cho bi\u1ebft khi m\u1edf c\u1eeda h\u00e0ng anh \u0111\u01b0\u1ee3c \u0111\u1ed1i t\u00e1c Nh\u1eadt B\u1ea3n gi\u1edbi thi\u1ec7u m\u1ed9t CTTC c\u1ee7a Nh\u1eadt \u0111\u1ec3 h\u1ee3p t\u00e1c.<\/p>\n

(54\/1.887)<\/p>\n\n\n\n\n
\"\"<\/td>\n<\/tr>\n
Mua h\u00e0ng tr\u1ea3 g\u00f3p l\u00e0 m\u1ed9t trong nh\u1eefng h\u00ecnh th\u1ee9c c\u1ee7a TCVM.<\/em><\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n

Theo \u0111\u00f3, CTTC n\u00e0y s\u1ebd \u0111\u1eb7t m\u1ed9t qu\u1ea7y l\u00e0m vi\u1ec7c nh\u1ecf t\u1ea1i c\u1eeda h\u00e0ng c\u1ee7a anh \u0111\u1ec3 t\u01b0 v\u1ea5n cho kh\u00e1ch h\u00e0ng. Khi kh\u00e1ch h\u00e0ng mua xe, CTTC s\u1ebd thanh to\u00e1n gi\u00e1 b\u00e1n c\u1ed9ng th\u00eam m\u1ed9t kho\u1ea3n ph\u00ed nh\u01b0ng kh\u00f4ng l\u1edbn, c\u0169ng xem nh\u01b0 vi\u1ec7c thu\u00ea m\u1ed9t ph\u1ea7n di\u1ec7n t\u00edch \u0111\u1ec3 l\u00e0m vi\u1ec7c.<\/p>\n

N\u1ebfu c\u00e1c CTTC b\u01b0\u1edbc v\u00e0o giai \u0111o\u1ea1n c\u1ea1nh tranh, t\u1ea5t nhi\u00ean s\u1ebd kh\u00f4ng tho\u1ea3i m\u00e1i \u0111\u01b0\u1ee3c nh\u01b0 c\u00e2u chuy\u1ec7n k\u1ec3 tr\u00ean, v\u00ec l\u00fac n\u00e0y c\u00e1c c\u00f4ng ty s\u1ebd ph\u1ea3i th\u01b0\u01a1ng l\u01b0\u1ee3ng v\u1edbi c\u1ea3 h\u1ec7 th\u1ed1ng \u0111\u1ec3 c\u00f3 th\u1ec3 xu\u1ea5t hi\u1ec7n mang t\u00ednh \u0111\u1ed9c quy\u1ec1n, k\u00e8m theo \u0111\u00f3 l\u00e0 nh\u1eefng s\u1ef1 h\u1ed7 tr\u1ee3 mang t\u00ednh ch\u1ea5t ri\u00eang bi\u1ec7t.<\/p>\n

N\u0103m 2006, m\u00f4 h\u00ecnh ng\u00e2n h\u00e0ng d\u00e0nh cho ng\u01b0\u1eddi ngh\u00e8o Grameen c\u1ee7a GS. Muhammad Yunus \u0111\u00e3 \u0111o\u1ea1t gi\u1ea3i Nobel H\u00f2a B\u00ecnh, l\u00e0 m\u1ed9t s\u1ef1 ghi nh\u1eadn x\u1ee9ng \u0111\u00e1ng v\u00e0 c\u0169ng l\u00e0 \u0111i\u1ec3n h\u00ecnh \u0111\u1ec3 ch\u00fang ta c\u00f3 th\u1ec3 ph\u00e1t tri\u1ec3n c\u00e1c ho\u1ea1t \u0111\u1ed9ng TCVM. C\u00e1c t\u1ed5 ch\u1ee9c TCVM kh\u00f4ng ch\u1ec9 h\u1ed7 tr\u1ee3 \u201ccon c\u00e1\u201d m\u00e0 c\u1ea7n ph\u1ea3i h\u1ed7 tr\u1ee3 c\u1ea3 \u201cc\u1ea7n c\u00e2u\u201d.<\/p>\n

2 v\u1ea5n \u0111\u1ec1 quan tr\u1ecdng m\u00e0 c\u00e1c t\u1ed5 ch\u1ee9c TCVM ph\u1ea3i h\u01b0\u1edbng \u0111\u1ebfn l\u00e0 s\u1ef1 k\u1ebft n\u1ed1i v\u00e0 y\u1ebfu t\u1ed1 chia s\u1ebb gi\u1eefa b\u00ean cho vay v\u00e0 ng\u01b0\u1eddi vay. V\u1ea5n \u0111\u1ec1 \u0111\u1eb7t ra, c\u00e1c t\u1ed5 ch\u1ee9c TCVM ph\u1ea3i g\u1ed3m nh\u1eefng ng\u01b0\u1eddi am hi\u1ec3u th\u1ef1c s\u1ef1 v\u1ec1 m\u1ed9t ng\u00e0nh ngh\u1ec1, \u0111\u1ec3 t\u1eeb \u0111\u00f3 c\u00f3 nh\u1eefng b\u1ed9 ph\u1eadn chuy\u00ean tr\u00e1ch th\u01b0\u1eddng xuy\u00ean ti\u1ebfp x\u00fac v\u1edbi nh\u1eefng ng\u01b0\u1eddi vay, h\u1ed7 tr\u1ee3 h\u1ecd kinh doanh, qu\u1ea3n l\u00fd t\u00e0i ch\u00ednh, t\u1eeb \u0111\u00f3 c\u1ea3i thi\u1ec7n \u0111\u1eddi s\u1ed1ng, l\u00e0m gi\u00e0u.<\/p>\n

Ban \u0111\u1ea7u c\u00f3 th\u1ec3 cho vay m\u00f3n nh\u1ecf, nh\u01b0ng n\u1ebfu ng\u01b0\u1eddi vay kinh doanh t\u1ed1t, tr\u1ea3 n\u1ee3 \u0111\u00fang h\u1ea1n, h\u1ea1n m\u1ee9c s\u1ebd \u0111\u01b0\u1ee3c gia t\u0103ng. M\u1eb7t kh\u00e1c, gi\u1eefa b\u00ean cho vay c\u0169ng c\u1ea7n k\u1ebft h\u1ee3p v\u1edbi nh\u1eefng \u0111\u1ed1i t\u00e1c kh\u00e1c \u0111\u1ec3 h\u1ed7 tr\u1ee3 ng\u01b0\u1eddi vay c\u1ee7a m\u00ecnh. Khi ng\u01b0\u1eddi d\u00e2n vay ti\u1ec1n \u0111\u1ec3 \u0111\u1ea7u t\u01b0 m\u00e1y m\u00f3c thi\u1ebft b\u1ecb, c\u00e1c t\u1ed5 ch\u1ee9c TCVM c\u00f3 th\u1ec3 th\u1ef1c hi\u1ec7n ch\u01b0\u01a1ng tr\u00ecnh h\u1ee3p t\u00e1c v\u1edbi c\u00e1c nh\u00e0 cung c\u1ea5p \u0111\u1ec3 gia t\u0103ng l\u01b0\u1ee3ng h\u00e0ng h\u00f3a b\u00e1n ra, \u0111\u1ed3ng th\u1eddi c\u0169ng gi\u00fap ng\u01b0\u1eddi mua c\u00f3 \u0111\u01b0\u1ee3c gi\u00e1 t\u1ed1t nh\u1ea5t.<\/p>\n

Th\u00e1i Ca<\/strong><\/p>\n

————<\/p>\n

\u00a0S\u00e0i G\u00f2n \u0110\u1ea7u t\u01b0 t\u00e0i ch\u00ednh 06-01-2014:<\/em><\/strong><\/p>\n

http:\/\/www.saigondautu.com.vn\/Pages\/20140105\/San-choi-lon-chua-dinh-hinh.aspx<\/a><\/em>","protected":false},"excerpt":{"rendered":"

(\u0110TTC) – Nh\u1eefng ho\u1ea1t \u0111\u1ed9ng t\u00edn d\u1ee5ng nh\u01b0 t\u1ed5 ch\u1ee9c c\u00e1c \u0111o\u00e0n cho vay h\u1ed7 tr\u1ee3 ng\u01b0\u1eddi ngh\u00e8o, c\u00f4ng ty t\u00e0i ch\u00ednh (CTTC) k\u1ebft h\u1ee3p nh\u00e0 ph\u00e2n ph\u1ed1i b\u00e1n xe tr\u1ea3 g\u00f3p, hay c\u1ea3 nh\u1eefng ti\u1ec7m c\u1ea7m \u0111\u1ed3, ch\u00ednh l\u00e0 h\u00ecnh th\u00e1i c\u1ee7a t\u00e0i ch\u00ednh vi m\u00f4 (TCVM). \u0110\u00e3 xu\u1ea5t hi\u1ec7n, v\u1eadn h\u00e0nh t\u1eeb r\u1ea5t […]<\/p>\n","protected":false},"author":1,"featured_media":22961,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":""},"categories":[27,26],"tags":[],"class_list":["post-22498","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-interviews","category-legal-media"],"acf":[],"yoast_head":"\n428. 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