{"id":2273,"date":"2019-08-08T22:58:17","date_gmt":"2019-08-08T15:58:17","guid":{"rendered":"https:\/\/anvilaw.com\/vi\/?p=2273"},"modified":"2024-10-30T14:08:23","modified_gmt":"2024-10-30T07:08:23","slug":"252-vay-lach-luat","status":"publish","type":"post","link":"https:\/\/anvilaw.com\/vi\/252-vay-lach-luat\/","title":{"rendered":"252. Vay \u201cl\u00e1ch lu\u1eadt\u201d!"},"content":{"rendered":"

Vay \u201cl\u00e1ch lu\u1eadt\u201d!<\/span><\/h4>\n
(KTSG) – G\u1ea7n \u0111\u00e2y, \u1edf Vi\u1ec7t Nam r\u1ed9 l\u00ean th\u00f4ng tin ch\u1ee7 th\u1ebb t\u00edn d\u1ee5ng c\u00f3 th\u1ec3 vay ti\u1ec1n m\u1eb7t b\u1eb1ng c\u00e1ch giao d\u1ecbch kh\u1ed1ng \u1edf m\u1ed9t s\u1ed1 \u0111i\u1ec3m ch\u1ea5p nh\u1eadn th\u1ebb, hay d\u00f9ng h\u1ea1n m\u1ee9c t\u00edn d\u1ee5ng c\u1ee7a th\u1ebb \u0111\u1ec3 chuy\u1ec3n ti\u1ec1n v\u1ec1 t\u00e0i kho\u1ea3n thanh to\u00e1n. Th\u00f4ng tin v\u1ec1 nh\u1eefng c\u00fa l\u00e1ch \u201ctuy\u1ec7t chi\u00eau\u201d n\u00e0y l\u1ed9 ra nhi\u1ec1u \u0111i\u1ec1u kh\u00f4ng b\u00ecnh th\u01b0\u1eddng \u1edf c\u00e1ch d\u00f9ng th\u1ebb t\u00edn d\u1ee5ng, c\u0169ng nh\u01b0 d\u1ecbch v\u1ee5 th\u1ebb t\u00edn d\u1ee5ng c\u1ee7a m\u1ed9t s\u1ed1 ng\u00e2n h\u00e0ng. Tuy nhi\u00ean, m\u1ed9t s\u1ed1 chuy\u00ean gia l\u1ea1i cho r\u1eb1ng nh\u1eefng lo ng\u1ea1i v\u1ec1 h\u1eadu qu\u1ea3 c\u1ee7a \u201cchi\u00eau l\u00e1ch\u201d n\u00e0y hi\u1ec7n ch\u01b0a c\u00f3 c\u01a1 s\u1edf r\u00f5 r\u00e0ng.<\/strong><\/h5>\n\n\n\n\n
\"Vay<\/td>\n<\/tr>\n
Khi thanh to\u00e1n ti\u1ec1n mua h\u00e0ng h\u00f3a, d\u1ecbch v\u1ee5 b\u1eb1ng th\u1ebb th\u00ec ch\u1ee7 th\u1ebb kh\u00f4ng ph\u1ea3i tr\u1ea3 th\u00eam b\u1ea5t c\u1ee9 kho\u1ea3n ph\u00ed n\u00e0o kh\u00e1c so v\u1edbi vi\u1ec7c thanh to\u00e1n b\u1eb1ng ti\u1ec1n m\u1eb7t. \u1ea2nh: TH\u00c0NH HOA<\/em><\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n
Thanh to\u00e1n v\u00e0 r\u00fat ti\u1ec1n<\/strong><\/h5>\n

Vai tr\u00f2 ch\u00ednh c\u1ee7a th\u1ebb t\u00edn d\u1ee5ng l\u00e0 \u201cs\u1eed d\u1ee5ng \u0111\u1ec3 thanh to\u00e1n ti\u1ec1n mua c\u00e1c h\u00e0ng h\u00f3a, d\u1ecbch v\u1ee5 h\u1ee3p ph\u00e1p theo quy \u0111\u1ecbnh c\u1ee7a ph\u00e1p lu\u1eadt Vi\u1ec7t Nam, bao g\u1ed3m c\u1ea3 tr\u01b0\u1eddng h\u1ee3p mua h\u00e0ng h\u00f3a, d\u1ecbch v\u1ee5 \u1edf n\u01b0\u1edbc ngo\u00e0i\u201d, theo quy \u0111\u1ecbnh t\u1ea1i Th\u00f4ng t\u01b0 s\u1ed1 19\/2016\/TT-NHNN ng\u00e0y 30-6-2016 \u201cQuy \u0111\u1ecbnh v\u1ec1 ho\u1ea1t \u0111\u1ed9ng th\u1ebb ng\u00e2n h\u00e0ng\u201d (\u0111\u00e3 \u0111\u01b0\u1ee3c s\u1eeda \u0111\u1ed5i, b\u1ed5 sung theo c\u00e1c Th\u00f4ng t\u01b0 s\u1ed1 30\/2016, 26\/2017 v\u00e0 41\/2018\/TT-NHNN).<\/p>\n

Th\u00f4ng t\u01b0 tr\u00ean \u0111\u00e3 quy \u0111\u1ecbnh m\u1ed9t s\u1ed1 ngh\u0129a v\u1ee5 c\u1ee7a ng\u01b0\u1eddi b\u00e1n h\u00e0ng h\u00f3a, d\u1ecbch v\u1ee5 li\u00ean quan \u0111\u1ebfn vi\u1ec7c thanh to\u00e1n nh\u01b0: (1) kh\u00f4ng \u0111\u01b0\u1ee3c thu ph\u1ee5 ph\u00ed ho\u1eb7c ph\u00e2n bi\u1ec7t gi\u00e1 khi ch\u1ee7 th\u1ebb thanh to\u00e1n ti\u1ec1n h\u00e0ng h\u00f3a, d\u1ecbch v\u1ee5 b\u1eb1ng th\u1ebb; (2)ph\u1ea3i th\u1ef1c hi\u1ec7n ni\u00eam y\u1ebft c\u00f4ng khai v\u1ec1 vi\u1ec7c kh\u00f4ng ph\u00e2n bi\u1ec7t gi\u00e1 ho\u1eb7c thu th\u00eam ti\u1ec1n, ph\u1ee5 ph\u00ed \u0111\u1ed1i v\u1edbi c\u00e1c giao d\u1ecbch thanh to\u00e1n ti\u1ec1n h\u00e0ng h\u00f3a, d\u1ecbch v\u1ee5 b\u1eb1ng th\u1ebb so v\u1edbi thanh to\u00e1n b\u1eb1ng ti\u1ec1n m\u1eb7t; (3) ph\u1ea3i ho\u00e0n tr\u1ea3 cho ch\u1ee7 th\u1ebb s\u1ed1 ti\u1ec1n ch\u00eanh l\u1ec7ch gi\u00e1, ph\u1ee5 ph\u00ed \u0111\u00e3 thu tr\u00e1i quy \u0111\u1ecbnh.<\/p>\n

Nh\u01b0 v\u1eady, khi thanh to\u00e1n ti\u1ec1n mua h\u00e0ng h\u00f3a, d\u1ecbch v\u1ee5 b\u1eb1ng th\u1ebb th\u00ec ch\u1ee7 th\u1ebb kh\u00f4ng ph\u1ea3i tr\u1ea3 th\u00eam b\u1ea5t c\u1ee9 kho\u1ea3n ph\u00ed n\u00e0o kh\u00e1c so v\u1edbi vi\u1ec7c thanh to\u00e1n b\u1eb1ng ti\u1ec1n m\u1eb7t.<\/p>\n

Tuy nhi\u00ean, vi\u1ec7c thanh to\u00e1n qua th\u1ebb t\u00edn d\u1ee5ng c\u0169ng \u0111\u1ed3ng ngh\u0129a v\u1edbi vi\u1ec7c t\u1ed5 ch\u1ee9c ph\u00e1t h\u00e0nh th\u1ebb \u0111\u00e3 \u1ee9ng ti\u1ec1n cho kh\u00e1ch h\u00e0ng vay.<\/p>\n

Vai tr\u00f2 th\u1ee9 hai c\u1ee7a th\u1ebb t\u00edn d\u1ee5ng l\u00e0 \u0111\u1ec3 th\u1ef1c hi\u1ec7n c\u00e1c giao d\u1ecbch g\u1eedi, r\u00fat ti\u1ec1n m\u1eb7t. Ri\u00eang vi\u1ec7c r\u00fat ti\u1ec1n qua th\u1ebb t\u00edn d\u1ee5ng c\u0169ng \u0111\u1ed3ng ngh\u0129a v\u1edbi vi\u1ec7c r\u00fat ti\u1ec1n vay c\u1ee7a t\u1ed5 ch\u1ee9c t\u00edn d\u1ee5ng.<\/p>\n

N\u1ebfu nh\u01b0 khi thanh to\u00e1n b\u1eb1ng th\u1ebb t\u00edn d\u1ee5ng ch\u1ee7 th\u1ebb kh\u00f4ng ph\u1ea3i tr\u1ea3 th\u00eam ph\u00ed, th\u00ec khi r\u00fat ti\u1ec1n b\u1eb1ng th\u1ebb t\u00edn d\u1ee5ng ch\u1ee7 th\u1ebb ph\u1ea3i tr\u1ea3 ph\u00ed kh\u00e1 cao, th\u01b0\u1eddng v\u00e0o kho\u1ea3ng 1-4% s\u1ed1 ti\u1ec1n r\u00fat. \u0110i\u1ec1u n\u00e0y c\u0169ng kh\u00e1c v\u1edbi vi\u1ec7c n\u1ebfu r\u00fat ti\u1ec1n b\u1eb1ng th\u1ebb thanh to\u00e1n th\u00ec \u0111\u01b0\u1ee3c mi\u1ec5n ph\u00ed ho\u1eb7c ch\u1ec9 ph\u1ea3i tr\u1ea3 1.000-3.000 \u0111\u1ed3ng \u0111\u1ed1i v\u1edbi m\u1ed7i l\u1ea7n r\u00fat ti\u1ec1n. Kh\u00f4ng nh\u1eefng th\u1ebf, ch\u1ee7 th\u1ebb c\u00f2n b\u1ecb t\u00ednh l\u00e3i r\u1ea5t cao ngay t\u1eeb th\u1eddi \u0111i\u1ec3m r\u00fat ti\u1ec1n, th\u01b0\u1eddng t\u1eeb 20-30%\/n\u0103m. Ngo\u00e0i ra, ph\u00ed ph\u1ea1t ch\u1eadm tr\u1ea3 cao t\u1edbi g\u1ea5p r\u01b0\u1ee1i m\u1ee9c n\u00e0y.<\/p>\n

V\u00e0… cho vay qua th\u1ebb t\u00edn d\u1ee5ng<\/strong><\/h5>\n\n\n\n\n
\"\"<\/td>\n<\/tr>\n
Nhan nh\u00e3n qu\u1ea3ng c\u00e1o r\u00fat ti\u1ec1n m\u1eb7t kh\u1ed1ng (kh\u00f4ng ph\u1ea3i t\u1eeb m\u00e1y ATM) v\u1edbi m\u1ee9c ph\u00ed th\u1ea5p h\u01a1n.<\/em><\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n

Tr\u00ean th\u1ef1c t\u1ebf x\u1ea3y ra kh\u00e1 ph\u1ed5 bi\u1ebfn vi\u1ec7c r\u00fat ti\u1ec1n m\u1eb7t qua c\u00e1c \u0111i\u1ec3m ch\u1ea5p nh\u1eadn th\u1ebb – POS (n\u01a1i b\u00e1n h\u00e0ng h\u00f3a, d\u1ecbch v\u1ee5), ph\u00ed b\u1eb1ng kho\u1ea3ng m\u1ed9t n\u1eeda so v\u1edbi vi\u1ec7c r\u00fat qua ng\u00e2n h\u00e0ng v\u00e0 l\u1ea1i \u0111\u01b0\u1ee3c ch\u1eadm tr\u1ea3 l\u00e3i v\u00e0i ch\u1ee5c ng\u00e0y, v\u00ec \u0111\u01b0\u1ee3c h\u1ee3p th\u1ee9c h\u00f3a d\u01b0\u1edbi h\u00ecnh th\u1ee9c thanh to\u00e1n ti\u1ec1n mua h\u00e0ng.<\/p>\n

R\u00fat ti\u1ec1n m\u1eb7t t\u1ea1i c\u00e1c POS l\u00e0 m\u1ed9t trong nh\u1eefng h\u00e0nh vi b\u1ecb c\u1ea5m theo quy \u0111\u1ecbnh t\u1ea1i Th\u00f4ng t\u01b0 s\u1ed1 19\/2016\/TT-NHNN. C\u1ee5 th\u1ec3, \u0111\u00f3 l\u00e0 tr\u01b0\u1eddng h\u1ee3p \u201cgiao d\u1ecbch thanh to\u00e1n kh\u1ed1ng t\u1ea1i \u0111\u01a1n v\u1ecb ch\u1ea5p nh\u1eadn th\u1ebb (kh\u00f4ng ph\u00e1t sinh vi\u1ec7c mua b\u00e1n h\u00e0ng h\u00f3a v\u00e0 cung \u1ee9ng d\u1ecbch v\u1ee5)\u201d.<\/p>\n

Ph\u00e1p lu\u1eadt quy \u0111\u1ecbnh, vi\u1ec7c r\u00fat ti\u1ec1n b\u1eb1ng th\u1ebb ng\u00e2n h\u00e0ng n\u00f3i chung, th\u1ebb t\u00edn d\u1ee5ng n\u00f3i ri\u00eang ch\u1ec9 \u0111\u01b0\u1ee3c th\u1ef1c hi\u1ec7n t\u1ea1i c\u00e1c t\u1ed5 ch\u1ee9c t\u00edn d\u1ee5ng v\u00e0 c\u00e2y ATM.<\/p>\n

Vi\u1ec7c r\u00fat ti\u1ec1n qua POS \u0111\u01b0\u1ee3c h\u1ee3p th\u1ee9c h\u00f3a b\u1eb1ng vi\u1ec7c b\u00e1n h\u00e0ng c\u00f2n vi ph\u1ea1m quy \u0111\u1ecbnh v\u1ec1 h\u00f3a \u0111\u01a1n, ch\u1ee9ng t\u1eeb b\u00e1n h\u00e0ng v\u00e0 h\u1ea1ch to\u00e1n, t\u00ednh thu\u1ebf kinh doanh.<\/p>\n

Nh\u01b0 v\u1eady, vi\u1ec7c thanh to\u00e1n, r\u00fat ti\u1ec1n m\u1eb7t v\u00e0 k\u1ec3 c\u1ea3 chuy\u1ec3n kho\u1ea3n qua th\u1ebb t\u00edn d\u1ee5ng, kh\u00f4ng ch\u1ec9 l\u00e0 ho\u1ea1t \u0111\u1ed9ng d\u1ecbch v\u1ee5, m\u00e0 c\u00f2n l\u00e0 m\u1ed9t h\u00ecnh th\u1ee9c c\u1ea5p t\u00edn d\u1ee5ng, c\u1ee5 th\u1ec3 l\u00e0 cho vay (trong tr\u01b0\u1eddng h\u1ee3p t\u00e0i kho\u1ea3n th\u1ebb kh\u00f4ng c\u00f3 ti\u1ec1n ho\u1eb7c c\u00f3 \u00edt h\u01a1n s\u1ed1 ti\u1ec1n giao d\u1ecbch). Tuy nhi\u00ean, vi\u1ec7c cho vay n\u00e0y l\u1ea1i kh\u00f4ng thu\u1ed9c ph\u01b0\u01a1ng th\u1ee9c cho vay n\u00e0o theo quy \u0111\u1ecbnh c\u1ee7a Th\u00f4ng t\u01b0 s\u1ed1 39\/2016\/TT-NHNN v\u1ec1 ho\u1ea1t \u0111\u1ed9ng cho vay c\u1ee7a c\u00e1c t\u1ed5 ch\u1ee9c t\u00edn d\u1ee5ng \u0111\u1ed1i v\u1edbi kh\u00e1ch h\u00e0ng.<\/p>\n

Theo Th\u00f4ng t\u01b0 s\u1ed1 19\/2016\/TT-NHNN, vi\u1ec7c c\u1ea5p t\u00edn d\u1ee5ng qua th\u1ebb \u0111\u01b0\u1ee3c th\u1ef1c hi\u1ec7n d\u01b0\u1edbi \u00edt nh\u1ea5t ba h\u00ecnh th\u1ee9c vay v\u1ed1n nh\u01b0 sau: Vay ti\u1ec1n \u0111\u1ec3 thanh to\u00e1n, vay ti\u1ec1n \u0111\u1ec3 chuy\u1ec3n kho\u1ea3n v\u00e0 vay ti\u1ec1n qua vi\u1ec7c r\u00fat ti\u1ec1n m\u1eb7t. Ch\u1ee7 th\u1ebb c\u0169ng ph\u1ea3i s\u1eed d\u1ee5ng ti\u1ec1n vay \u0111\u00fang m\u1ee5c \u0111\u00edch t\u01b0\u01a1ng t\u1ef1 nh\u01b0 kh\u00e1ch h\u00e0ng vay v\u1ed1n. Tuy nhi\u00ean, th\u00f4ng t\u01b0 n\u00e0y l\u1ea1i kh\u00f4ng c\u00f3 quy \u0111\u1ecbnh n\u00e0o v\u1ec1 vi\u1ec7c ch\u1ee9ng minh v\u00e0 ki\u1ec3m so\u00e1t vi\u1ec7c s\u1eed d\u1ee5ng ti\u1ec1n r\u00fat qua th\u1ebb t\u00edn d\u1ee5ng.<\/p>\n

Ch\u1ee7 th\u1ebb \u0111\u01b0\u1ee3c quy\u1ec1n r\u00fat ti\u1ec1n m\u1eb7t trong ph\u1ea1m vi 70-100% h\u1ea1n m\u1ee9c t\u00edn d\u1ee5ng \u0111\u1ed1i v\u1edbi th\u1ebb t\u00edn d\u1ee5ng, v\u1edbi m\u1ee9c t\u1ed1i \u0111a l\u00e0 1 t\u1ec9 \u0111\u1ed3ng, tr\u01b0\u1eddng h\u1ee3p kh\u00f4ng c\u00f3 t\u00e0i s\u1ea3n b\u1ea3o \u0111\u1ea3m th\u00ec t\u1ed1i \u0111a l\u00e0 500 tri\u1ec7u \u0111\u1ed3ng.<\/p>\n

R\u1ee7i ro \u0111\u1ed1i v\u1edbi cho vay r\u00fat ti\u1ec1n m\u1eb7t qua th\u1ebb t\u00edn d\u1ee5ng kh\u00e1 cao do kh\u00f4ng ki\u1ec3m so\u00e1t \u0111\u01b0\u1ee3c m\u1ee5c \u0111\u00edch vay tr\u00ean th\u1ef1c t\u1ebf, d\u1eabn \u0111\u1ebfn kh\u00f4ng c\u00f3 ngu\u1ed3n tr\u1ea3 n\u1ee3 v\u00e0 l\u00e3i su\u1ea5t cao.<\/p>\n

Tr\u01b0\u1eddng h\u1ee3p t\u1ed5 ch\u1ee9c t\u00edn d\u1ee5ng th\u1ecfa thu\u1eadn cho kh\u00e1ch h\u00e0ng h\u01b0\u1edfng l\u00e3i su\u1ea5t r\u00fat ti\u1ec1n th\u1ea5p th\u00ec vi\u1ec7c cho vay qua th\u1ebb t\u00edn d\u1ee5ng kh\u00f4ng nh\u1eefng g\u1ea7n nh\u01b0 \u0111\u1ed3ng nh\u1ea5t m\u00e0 c\u00f2n d\u1ec5 d\u00e0ng h\u01a1n so v\u1edbi cho vay kinh doanh v\u00e0 ti\u00eau d\u00f9ng th\u00f4ng th\u01b0\u1eddng.<\/p>\n

V\u1edbi quy \u0111\u1ecbnh ph\u00e1p lu\u1eadt hi\u1ec7n h\u00e0nh, kh\u00f4ng d\u1ec5 g\u00ec ph\u00e2n bi\u1ec7t v\u00e0 x\u1eed l\u00fd vi\u1ec7c \u201cl\u00e1ch lu\u1eadt\u201d cho vay qua th\u1ebb t\u00edn d\u1ee5ng thay v\u00ec ph\u1ea3i cho vay theo quy \u0111\u1ecbnh chung<\/p>\n

\u00a0<\/em><\/strong><\/p>\n

\u00a0<\/em><\/strong><\/p>\n

B\u00e0i g\u1ed1c<\/em><\/strong><\/h4>\n

\u00a0<\/em><\/strong><\/p>\n

Vay \u201cl\u00e1ch lu\u1eadt\u201d vay.<\/strong><\/h5>\n

Th\u1ebb t\u00edn d\u1ee5ng l\u00e0 m\u1ed9t lo\u1ea1i th\u1ebb ng\u00e2n h\u00e0ng, \u0111\u1ec3 th\u1ef1c hi\u1ec7n c\u00e1c d\u1ecbch v\u1ee5 g\u1eedi, r\u00fat ti\u1ec1n m\u1eb7t: chuy\u1ec3n kho\u1ea3n; thanh to\u00e1n ti\u1ec1n h\u00e0ng h\u00f3a, d\u1ecbch v\u1ee5 v\u00e0 s\u1eed d\u1ee5ng c\u00e1c d\u1ecbch v\u1ee5 kh\u00e1c. \u0110\u1ed3ng th\u1eddi, th\u1ebb t\u00edn d\u1ee5ng c\u00f2n l\u00e0 m\u1ed9t h\u00ecnh th\u1ee9c c\u1ea5p t\u00edn d\u1ee5ng, m\u00e0 th\u1ef1c ch\u1ea5t l\u00e0 cho vay.<\/p>\n

Thanh to\u00e1n qua th\u1ebb t\u00edn d\u1ee5ng.<\/strong><\/h5>\n

Vai tr\u00f2 ch\u00ednh c\u1ee7a th\u1ebb t\u00edn d\u1ee5ng l\u00e0 \u201cs\u1eed d\u1ee5ng \u0111\u1ec3 thanh to\u00e1n ti\u1ec1n mua c\u00e1c h\u00e0ng h\u00f3a, d\u1ecbch v\u1ee5 h\u1ee3p ph\u00e1p theo quy \u0111\u1ecbnh c\u1ee7a ph\u00e1p lu\u1eadt Vi\u1ec7t Nam, bao g\u1ed3m c\u1ea3 tr\u01b0\u1eddng h\u1ee3p mua h\u00e0ng h\u00f3a, d\u1ecbch v\u1ee5 \u1edf n\u01b0\u1edbc ngo\u00e0i\u201d, theo quy \u0111\u1ecbnh t\u1ea1i Th\u00f4ng t\u01b0 s\u1ed1 19\/2016\/TT-NHNN ng\u00e0y 30-6-2016 \u201cQuy \u0111\u1ecbnh v\u1ec1 ho\u1ea1t \u0111\u1ed9ng th\u1ebb ng\u00e2n h\u00e0ng\u201d (\u0111\u00e3 \u0111\u01b0\u1ee3c s\u1eeda \u0111\u1ed5i, b\u1ed5 sung theo c\u00e1c Th\u00f4ng t\u01b0 s\u1ed1 30\/2016, 26\/2017 v\u00e0 41\/2018\/TT-NHNN).<\/p>\n

Th\u00f4ng t\u01b0 tr\u00ean \u0111\u00e3 quy \u0111\u1ecbnh m\u1ed9t s\u1ed1 ngh\u0129a v\u1ee5 c\u1ee7a ng\u01b0\u1eddi b\u00e1n h\u00e0ng ho\u00e1, d\u1ecbch v\u1ee5 li\u00ean quan \u0111\u1ebfn vi\u1ec7c thanh to\u00e1n nh\u01b0:<\/p>\n

– Kh\u00f4ng \u0111\u01b0\u1ee3c thu ph\u1ee5 ph\u00ed ho\u1eb7c ph\u00e2n bi\u1ec7t gi\u00e1 khi ch\u1ee7 th\u1ebb thanh to\u00e1n ti\u1ec1n h\u00e0ng h\u00f3a, d\u1ecbch v\u1ee5 b\u1eb1ng th\u1ebb;<\/p>\n

– Ph\u1ea3i th\u1ef1c hi\u1ec7n ni\u00eam y\u1ebft c\u00f4ng khai v\u1ec1 vi\u1ec7c kh\u00f4ng ph\u00e2n bi\u1ec7t gi\u00e1 ho\u1eb7c thu th\u00eam ti\u1ec1n, ph\u1ee5 ph\u00ed \u0111\u1ed1i v\u1edbi c\u00e1c giao d\u1ecbch thanh to\u00e1n ti\u1ec1n h\u00e0ng h\u00f3a, d\u1ecbch v\u1ee5 b\u1eb1ng th\u1ebb so v\u1edbi thanh to\u00e1n b\u1eb1ng ti\u1ec1n m\u1eb7t;<\/p>\n

– Ph\u1ea3i ho\u00e0n tr\u1ea3 l\u1ea1i l\u1ea1i cho ch\u1ee7 th\u1ebb s\u1ed1 ti\u1ec1n ch\u00eanh l\u1ec7ch gi\u00e1, ph\u1ee5 ph\u00ed \u0111\u00e3 thu tr\u00e1i quy \u0111\u1ecbnh.<\/p>\n

Nh\u01b0 v\u1eady, khi thanh to\u00e1n ti\u1ec1n mua h\u00e0ng ho\u00e1, d\u1ecbch v\u1ee5 b\u1eb1ng th\u1ebb th\u00ec ch\u1ee7 th\u1ebb kh\u00f4ng ph\u1ea3i tr\u1ea3 th\u00eam b\u1ea5t c\u1ee9 kho\u1ea3n ph\u00ed n\u00e0o kh\u00e1c so v\u1edbi vi\u1ec7c thanh to\u00e1n b\u1eb1ng ti\u1ec1n m\u1eb7t.<\/p>\n

Tuy nhi\u00ean, vi\u1ec7c thanh to\u00e1n qua th\u1ebb t\u00edn d\u1ee5ng c\u0169ng \u0111\u1ed3ng ngh\u0129a v\u1edbi vi\u1ec7c t\u1ed5 ch\u1ee9c ph\u00e1t h\u00e0nh th\u1ebb \u0111\u00e3 \u1ee9ng ti\u1ec1n cho kh\u00e1ch h\u00e0ng vay.<\/p>\n

 <\/p>\n

R\u00fat ti\u1ec1n qua th\u1ebb t\u00edn d\u1ee5ng.<\/strong><\/h5>\n

Vai tr\u00f2 th\u1ee9 hai c\u1ee7a th\u1ebb t\u00edn d\u1ee5ng l\u00e0 \u0111\u1ec3 th\u1ef1c hi\u1ec7n c\u00e1c giao d\u1ecbch g\u1eedi, r\u00fat ti\u1ec1n m\u1eb7t. Ri\u00eang vi\u1ec7c r\u00fat ti\u1ec1n qua th\u1ebb t\u00edn d\u1ee5ng c\u0169ng \u0111\u1ed3ng ngh\u0129a v\u1edbi vi\u1ec7c r\u00fat ti\u1ec1n vay c\u1ee7a t\u1ed5 ch\u1ee9c t\u00edn d\u1ee5ng.<\/p>\n

N\u1ebfu nh\u01b0 khi thanh to\u00e1n b\u1eb1ng th\u1ebb t\u00edn d\u1ee5ng, ch\u1ee7 th\u1ebb kh\u00f4ng ph\u1ea3i tr\u1ea3 th\u00eam ph\u00ed th\u00ec khi r\u00fat ti\u1ec1n b\u1eb1ng th\u1ebb t\u00edn d\u1ee5ng, ch\u1ee7 th\u1ebb ph\u1ea3i tr\u1ea3 ph\u00ed kh\u00e1 cao, th\u01b0\u1eddng v\u00e0o kho\u1ea3ng 1 – 4% s\u1ed1 ti\u1ec1n r\u00fat tu\u1ef3 theo t\u1eebng t\u1ed5 ch\u1ee9c t\u00edn d\u1ee5ng. \u0110i\u1ec1u n\u00e0y c\u0169ng kh\u00e1c v\u1edbi vi\u1ec7c n\u1ebfu r\u00fat ti\u1ec1n b\u1eb1ng th\u1ebb thanh to\u00e1n, th\u00ec \u0111\u01b0\u1ee3c mi\u1ec5n ph\u00ed ho\u1eb7c ch\u1ec9 ph\u1ea3i tr\u1ea3 1 – 3.000 \u0111\u1ed3ng \u0111\u1ed1i v\u1edbi m\u1ed7i l\u1ea7n r\u00fat ti\u1ec1n. Kh\u00f4ng nh\u1eefng th\u1ebf, ch\u1ee7 th\u1ebb c\u00f2n b\u1ecb t\u00ednh l\u00e3i r\u1ea5t cao ngay t\u1eeb th\u1eddi \u0111i\u1ec3m r\u00fat ti\u1ec1n, th\u01b0\u1eddng kho\u1ea3ng t\u1eeb 20 – 30%\/n\u0103m, nh\u1ea5t l\u00e0 ph\u00ed ph\u1ea1t tr\u1ea3 ch\u1eadm th\u00ec c\u00f2n g\u1ea5p r\u01b0\u1ee1i m\u1ee9c n\u00e0y.<\/p>\n

Tr\u00ean th\u1ef1c t\u1ebf x\u1ea3y ra kh\u00e1 ph\u1ed5 bi\u1ebfn vi\u1ec7c r\u00fat ti\u1ec1n m\u1eb7t qua c\u00e1c \u0111i\u1ec3m ch\u1ea5p nh\u1eadn th\u1ebb – POS (n\u01a1i b\u00e1n h\u00e0ng ho\u00e1, d\u1ecbch v\u1ee5), ph\u00ed b\u1eb1ng kho\u1ea3ng m\u1ed9t n\u1eeda so v\u1edbi vi\u1ec7c r\u00fat qua ng\u00e2n h\u00e0ng v\u00e0 l\u1ea1i \u0111\u01b0\u1ee3c ch\u1eadm tr\u1ea3 l\u00e3i v\u00e0i ch\u1ee5c ng\u00e0y, v\u00ec \u0111\u01b0\u1ee3c h\u1ee3p th\u1ee9c ho\u00e1 d\u01b0\u1edbi h\u00ecnh th\u1ee9c thanh to\u00e1n ti\u1ec1n mua h\u00e0ng.<\/p>\n

Vi\u1ec7c r\u00fat ti\u1ec1n m\u1eb7t t\u1ea1i c\u00e1c POS l\u00e0 m\u1ed9t trong nh\u1eefng h\u00e0nh vi b\u1ecb c\u1ea5m theo quy \u0111\u1ecbnh t\u1ea1i Th\u00f4ng t\u01b0 s\u1ed1 19\/2016\/TT-NHNN. C\u1ee5 th\u1ec3, \u0111\u00f3 l\u00e0 tr\u01b0\u1eddng h\u1ee3p \u201cgiao d\u1ecbch thanh to\u00e1n kh\u1ed1ng t\u1ea1i \u0111\u01a1n v\u1ecb ch\u1ea5p nh\u1eadn th\u1ebb (kh\u00f4ng ph\u00e1t sinh vi\u1ec7c mua b\u00e1n h\u00e0ng h\u00f3a v\u00e0 cung \u1ee9ng d\u1ecbch v\u1ee5)\u201d.<\/p>\n

Ph\u00e1p lu\u1eadt quy \u0111\u1ecbnh, vi\u1ec7c r\u00fat ti\u1ec1n b\u1eb1ng th\u1ebb ng\u00e2n h\u00e0ng n\u00f3i chung, th\u1ebb t\u00edn d\u1ee5ng n\u00f3i ri\u00eang ch\u1ec9 \u0111\u01b0\u1ee3c th\u1ef1c hi\u1ec7n t\u1ea1i c\u00e1c t\u1ed5 ch\u1ee9c t\u00edn d\u1ee5ng v\u00e0 c\u00e2y ATM.<\/p>\n

Vi\u1ec7c r\u00fat ti\u1ec1n qua POS \u0111\u01b0\u1ee3c h\u1ee3p th\u1ee9c ho\u00e1 b\u1eb1ng vi\u1ec7c b\u00e1n h\u00e0ng c\u00f2n vi ph\u1ea1m quy \u0111\u1ecbnh v\u1ec1 ho\u00e1 \u0111\u01a1n, ch\u1ee9ng t\u1eeb b\u00e1n h\u00e0ng v\u00e0 h\u1ea1ch to\u00e1n, t\u00ednh thu\u1ebf kinh doanh.<\/p>\n

 <\/p>\n

Cho vay qua th\u1ebb t\u00edn d\u1ee5ng.<\/strong><\/h5>\n

Nh\u01b0 v\u1eady, vi\u1ec7c thanh to\u00e1n, r\u00fat ti\u1ec1n m\u1eb7t v\u00e0 k\u1ec3 c\u1ea3 chuy\u1ec3n kho\u1ea3n qua th\u1ebb t\u00edn d\u1ee5ng, kh\u00f4ng ch\u1ec9 l\u00e0 ho\u1ea1t \u0111\u1ed9ng d\u1ecbch v\u1ee5, m\u00e0 c\u00f2n l\u00e0 m\u1ed9t h\u00ecnh th\u1ee9c c\u1ea5p t\u00edn d\u1ee5ng, c\u1ee5 th\u1ec3 l\u00e0 cho vay (trong tr\u01b0\u1eddng h\u1ee3p t\u00e0i kho\u1ea3n th\u1ebb kh\u00f4ng c\u00f3 ti\u1ec1n ho\u1eb7c c\u00f3 \u00edt h\u01a1n s\u1ed1 ti\u1ec1n giao d\u1ecbch). Tuy nhi\u00ean vi\u1ec7c cho vay n\u00e0y l\u1ea1i kh\u00f4ng thu\u1ed9c ph\u01b0\u01a1ng th\u1ee9c cho vay n\u00e0o theo quy \u0111\u1ecbnh c\u1ee7a Th\u00f4ng t\u01b0 s\u1ed1 39\/2016\/TT-NHNN v\u1ec1 ho\u1ea1t \u0111\u1ed9ng cho vay c\u1ee7a c\u00e1c t\u1ed5 ch\u1ee9c t\u00edn d\u1ee5ng \u0111\u1ed1i v\u1edbi kh\u00e1ch h\u00e0ng.<\/p>\n

Theo Th\u00f4ng t\u01b0 s\u1ed1 19\/2016\/TT-NHNN, vi\u1ec7c c\u1ea5p t\u00edn d\u1ee5ng qua th\u1ebb \u0111\u01b0\u1ee3c th\u1ef1c hi\u1ec7n d\u01b0\u1edbi \u00edt nh\u1ea5t 3 h\u00ecnh th\u1ee9c vay v\u1ed1n nh\u01b0 sau: Vay ti\u1ec1n \u0111\u1ec3 thanh to\u00e1n, vay ti\u1ec1n \u0111\u1ec3 chuy\u1ec3n kho\u1ea3n v\u00e0 vay ti\u1ec1n qua vi\u1ec7c r\u00fat ti\u1ec1n m\u1eb7t. Ch\u1ee7 th\u1ebb c\u0169ng ph\u1ea3i s\u1eed d\u1ee5ng ti\u1ec1n vay \u0111\u00fang m\u1ee5c \u0111\u00edch t\u01b0\u01a1ng t\u1ef1 nh\u01b0 kh\u00e1ch h\u00e0ng vay v\u1ed1n. Tuy nhi\u00ean, l\u1ea1i kh\u00f4ng c\u00f3 quy \u0111\u1ecbnh n\u00e0o v\u1ec1 vi\u1ec7c ch\u1ee9ng minh v\u00e0 ki\u1ec3m so\u00e1t vi\u1ec7c s\u1eed d\u1ee5ng ti\u1ec1n r\u00fat qua th\u1ebb t\u00edn d\u1ee5ng.<\/p>\n

Ch\u1ee7 th\u1ebb \u0111\u01b0\u1ee3c quy\u1ec1n r\u00fat ti\u1ec1n m\u1eb7t trong ph\u1ea1m vi 70 – 100% h\u1ea1n m\u1ee9c t\u00edn d\u1ee5ng \u0111\u1ed1i v\u1edbi th\u1ebb t\u00edn d\u1ee5ng, v\u1edbi m\u1ee9c t\u1ed1i \u0111a l\u00e0 01 t\u1ef7 \u0111\u1ed3ng, tr\u01b0\u1eddng h\u1ee3p kh\u00f4ng c\u00f3 t\u00e0i s\u1ea3n b\u1ea3o \u0111\u1ea3m th\u00ec t\u1ed1i \u0111a l\u00e0 500 tri\u1ec7u \u0111\u1ed3ng.<\/p>\n

R\u1ee7i ro \u0111\u1ed1i v\u1edbi cho vay r\u00fat ti\u1ec1n m\u1eb7t qua th\u1ebb t\u00edn d\u1ee5ng kh\u00e1 cao do kh\u00f4ng \u0111\u01b0\u1ee3c ki\u1ec3m so\u00e1t m\u1ee5c \u0111\u00edch vay tr\u00ean th\u1ef1c t\u1ebf, d\u1eabn \u0111\u1ebfn kh\u00f4ng c\u00f3 ngu\u1ed3n tr\u1ea3 n\u1ee3 v\u00e0 l\u00e3i su\u1ea5t cao, d\u1eabn \u0111\u1ebfn kh\u00f3 tr\u1ea3 n\u1ee3.<\/p>\n

Tr\u01b0\u1eddng h\u1ee3p t\u1ed5 ch\u1ee9c t\u00edn d\u1ee5ng th\u1ecfa thu\u1eadn cho kh\u00e1ch h\u00e0ng h\u01b0\u1edfng l\u00e3i su\u1ea5t r\u00fat ti\u1ec1n th\u1ea5p th\u00ec vi\u1ec7c cho vay qua th\u1ebb t\u00edn d\u1ee5ng kh\u00f4ng nh\u1eefng g\u1ea7n nh\u01b0 \u0111\u1ed3ng nh\u1ea5t m\u00e0 c\u00f2n d\u1ec5 r\u00e0ng h\u01a1n so v\u1edbi c\u1ea3 cho vay kinh doanh v\u00e0 ti\u00eau d\u00f9ng th\u00f4ng th\u01b0\u1eddng.<\/p>\n

V\u1edbi quy \u0111\u1ecbnh ph\u00e1p lu\u1eadt hi\u1ec7n h\u00e0nh, kh\u00f4ng d\u1ec5 g\u00ec ph\u00e2n bi\u1ec7t v\u00e0 x\u1eed l\u00fd vi\u1ec7c \u201cl\u00e1ch lu\u1eadt\u201d cho vay qua th\u1ebb t\u00edn d\u1ee5ng thay v\u00ec ph\u1ea3i cho vay theo quy \u0111\u1ecbnh chung.<\/p>\n

Lu\u1eadt s\u01b0<\/span><\/a> Tr\u01b0\u01a1ng Thanh \u0110\u1ee9c<\/a>, Gi\u00e1m \u0111\u1ed1c C\u00f4ng ty Lu\u1eadt<\/a> ANVI<\/a>, Tr\u1ecdng t\u00e0i vi\u00ean VIAC.\u00a0<\/strong><\/h5>\n

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

Th\u1eddi b\u00e1o Kinh t\u1ebf S\u00e0i G\u00f2n (Ng\u00e2n h\u00e0ng) ng\u00e0y 08-8-2019:<\/em><\/strong><\/p>\n

https:\/\/www.thesaigontimes.vn\/292458\/Vay-%E2%80%9Clach-luat%E2%80%9D!.html<\/a><\/em>","protected":false},"excerpt":{"rendered":"

Vay \u201cl\u00e1ch lu\u1eadt\u201d! (KTSG) – G\u1ea7n \u0111\u00e2y, \u1edf Vi\u1ec7t Nam r\u1ed9 l\u00ean th\u00f4ng tin ch\u1ee7 th\u1ebb t\u00edn d\u1ee5ng c\u00f3 th\u1ec3 vay ti\u1ec1n m\u1eb7t b\u1eb1ng c\u00e1ch giao d\u1ecbch kh\u1ed1ng \u1edf m\u1ed9t s\u1ed1 \u0111i\u1ec3m ch\u1ea5p nh\u1eadn th\u1ebb, hay d\u00f9ng h\u1ea1n m\u1ee9c t\u00edn d\u1ee5ng c\u1ee7a th\u1ebb \u0111\u1ec3 chuy\u1ec3n ti\u1ec1n v\u1ec1 t\u00e0i kho\u1ea3n thanh to\u00e1n. Th\u00f4ng tin v\u1ec1 nh\u1eefng […]<\/p>\n","protected":false},"author":7,"featured_media":2274,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":""},"categories":[14,26],"tags":[50,36],"class_list":["post-2273","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-nghien-cuu-bao-chi","category-legal-media","tag-luat-su-dan-su","tag-luat-su-ngan-hang"],"acf":[],"yoast_head":"\n252. 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