{"id":22948,"date":"2013-10-16T13:39:11","date_gmt":"2013-10-16T06:39:11","guid":{"rendered":"https:\/\/anvilaw.com\/vi\/?p=22948"},"modified":"2022-05-23T13:50:14","modified_gmt":"2022-05-23T06:50:14","slug":"384-no-ro-ngan-hang-tra-hinh","status":"publish","type":"post","link":"https:\/\/anvilaw.com\/vi\/384-no-ro-ngan-hang-tra-hinh\/","title":{"rendered":"384. N\u1edf r\u1ed9 ng\u00e2n h\u00e0ng tr\u00e1 h\u00ecnh"},"content":{"rendered":"<strong>(\u0110T) &#8211; Khi d\u00f2ng v\u1ed1n gi\u00e1 r\u1ebb v\u1eabn \u201ct\u1eafc\u201d trong c\u00e1c ng\u00e2n h\u00e0ng, th\u00ec c\u00e1c c\u00f4ng ty t\u01b0 v\u1ea5n \u0111\u1ea7u t\u01b0 \u0111ang c\u00f4ng khai k\u00eau g\u1ecdi ng\u01b0\u1eddi d\u00e2n g\u1eedi v\u1ed1n v\u1edbi l\u00e3i su\u1ea5t t\u1edbi 36%\/n\u0103m, c\u00e1c ti\u1ec7m c\u1ea7m \u0111\u1ed3 cho vay v\u1edbi l\u00e3i su\u1ea5t t\u1edbi 0,2 \u2013 0,5%\/ng\u00e0y.<\/strong><\/p>\n<p><img loading=\"lazy\" decoding=\"async\" class=\"alignnone size-full wp-image-22950 img-fluid img-fluid\" src=\"https:\/\/anvilaw.com\/wp-content\/uploads\/2022\/05\/84-1.jpg\" alt=\"\" width=\"300\" height=\"224\" \/><\/p>\n<p><strong><em>C\u1ea1nh tranh v\u1edbi nh\u00e0 b\u0103ng<\/em><\/strong><\/p>\n<p>\u201cChovaytien.vn \u2013 Ng\u00e2n h\u00e0ng b\u00e1n l\u1ebb h\u00e0ng \u0111\u1ea7u H\u00e0 N\u1ed9i\u201d, \u201cc\u1ea1nh tranh tr\u1ef1c ti\u1ebfp v\u1edbi c\u00e1c ng\u00e2n h\u00e0ng TMCP \u1edf m\u1ed9t s\u1ed1 ph\u00e2n kh\u00fac\u201d &#8211; \u0111\u00e2y l\u00e0 l\u1eddi qu\u1ea3ng c\u00e1o c\u00f4ng khai c\u1ee7a trang web chovaytien.vn, m\u1ed9t \u0111\u01a1n v\u1ecb chuy\u00ean cung c\u1ea5p d\u1ecbch v\u1ee5 c\u1ea7m \u0111\u1ed3 v\u00e0 cho vay ti\u1ec1n m\u1eb7t. Th\u1eadm ch\u00ed, \u0111\u01a1n v\u1ecb n\u00e0y c\u00f2n kh\u1eb3ng \u0111\u1ecbnh: \u201cVi\u1ec7c ra \u0111\u1eddi d\u1ecbch v\u1ee5 cho vay ti\u1ec1n l\u00e0 nh\u1eb1m thay \u0111\u1ed5i c\u00e1ch nh\u00ecn nh\u1eadn c\u1ee7a to\u00e0n d\u00e2n v\u1ec1 d\u1ecbch v\u1ee5 c\u1ea7m \u0111\u1ed3 v\u1edbi m\u00f4 h\u00ecnh ng\u00e2n h\u00e0ng b\u00e1n l\u1ebb th\u00e2n thi\u1ec7n h\u01a1n\u201d.<\/p>\n<p>Tr\u01b0\u1eddng h\u1ee3p tr\u00ean kh\u00f4ng ph\u1ea3i l\u00e0 c\u00e1 bi\u1ec7t. Ch\u1ec9 t\u00ednh ri\u00eang t\u1ea1i H\u00e0 N\u1ed9i \u0111\u00e3 c\u00f3 t\u1edbi h\u00e0ng tr\u0103m c\u01a1 s\u1edf cho vay ti\u1ec1n nh\u01b0 v\u1eady. Ch\u1ec9 c\u1ea7n l\u01b0\u1edbt qua m\u1ed9t s\u1ed1 con ph\u1ed1 nh\u01b0 L\u00ea Thanh Ngh\u1ecb, Gi\u1ea3i Ph\u00f3ng, C\u1ea7u Gi\u1ea5y\u2026, ng\u01b0\u1eddi d\u00e2n d\u1ec5 d\u00e0ng nh\u00ecn th\u1ea5y nh\u1eefng t\u1ea5m bi\u1ec3n qu\u1ea3ng c\u00e1o c\u00f4ng khai ch\u00e0o m\u1eddi vay ti\u1ec1n v\u1edbi l\u00e3i su\u1ea5t 1.500 &#8211; 2.000 \u0111\u1ed3ng\/tri\u1ec7u\/ng\u00e0y (t\u01b0\u01a1ng \u0111\u01b0\u01a1ng 54-72%\/n\u0103m). \u0110\u00e2y l\u00e0 m\u1ee9c l\u00e3i su\u1ea5t th\u1ea5p nh\u1ea5t, \u00e1p d\u1ee5ng v\u1edbi c\u00e1c kho\u1ea3n vay c\u00f3 t\u00e0i s\u1ea3n th\u1ebf ch\u1ea5p. C\u00f2n trong tr\u01b0\u1eddng h\u1ee3p ch\u1ec9 c\u00f3 th\u1ebb sinh vi\u00ean, ch\u1ee9ng minh th\u01b0, s\u1ed5 h\u1ed9 kh\u1ea9u\u2026, l\u00e3i su\u1ea5t c\u00f3 th\u1ec3 l\u00ean t\u1edbi 0,8 &#8211; 1%\/ng\u00e0y (292 &#8211; 360%\/n\u0103m).<\/p>\n<p>Kh\u00f4ng ch\u1ec9 n\u1edf r\u1ed9 d\u1ecbch v\u1ee5 cho vay ti\u1ec1n ki\u1ec3u \u201cng\u00e2n h\u00e0ng b\u00e1n l\u1ebb\u201d tr\u00e1 h\u00ecnh, m\u00e0 tr\u00ean th\u1ecb tr\u01b0\u1eddng, r\u1ea5t nhi\u1ec1u c\u00f4ng ty \u0111\u00e3 tung ra s\u1ea3n ph\u1ea9m \u201c\u1ee7y th\u00e1c \u0111\u1ea7u t\u01b0\u201d \u0111\u1ec3 thu h\u00fat ng\u01b0\u1eddi d\u00e2n g\u1eedi v\u1ed1n, ti\u00eau bi\u1ec3u l\u00e0 C\u00f4ng ty \u0110\u1ea7u t\u01b0 t\u00e0i ch\u00ednh H\u00e0 N\u1ed9i v\u00e0ng, C\u00f4ng ty Kh\u1ea3i Th\u00e1i\u2026 V\u1edbi l\u00e3i su\u1ea5t \u1ee7y th\u00e1c l\u00ean t\u1edbi 3%\/th\u00e1ng, t\u01b0\u01a1ng \u0111\u01b0\u01a1ng 36%\/n\u0103m, c\u00e1c c\u00f4ng ty n\u00e0y \u0111\u00e3 huy \u0111\u1ed9ng \u0111\u01b0\u1ee3c m\u1ed9t l\u01b0\u1ee3ng ti\u1ec1n kh\u00f4ng nh\u1ecf trong d\u00e2n c\u01b0.<\/p>\n<p><em>Ch\u01b0a n\u00f3i \u0111\u1ebfn nh\u1eefng r\u1ee7i ro m\u00e0 ng\u01b0\u1eddi d\u00e2n ph\u1ea3i g\u00e1nh ch\u1ecbu khi vay n\u1eb7ng l\u00e3i hay g\u1eedi ti\u1ec1n \u1ee7y th\u00e1c cho nh\u1eefng kho\u1ea3n \u0111\u1ea7u t\u01b0 m\u1ee5c \u0111\u00edch kh\u00f4ng r\u00f5 r\u00e0ng, theo Lu\u1eadt s\u01b0 Tr\u01b0\u01a1ng Thanh \u0110\u1ee9c, Gi\u00e1m \u0111\u1ed1c C\u00f4ng ty Lu\u1eadt ANVI, c\u1ea3 hai h\u00e0nh vi tr\u00ean \u0111\u1ec1u c\u00f3 d\u1ea5u hi\u1ec7u vi ph\u1ea1m ph\u00e1p lu\u1eadt.<\/em><\/p>\n<p><em>V\u1ec1 h\u1ee3p \u0111\u1ed3ng cho vay, theo quy \u0111\u1ecbnh hi\u1ec7n h\u00e0nh, c\u00e1c giao d\u1ecbch cho vay ti\u1ec1n kh\u00f4ng ch\u1ec9 vi ph\u1ea1m n\u1ebfu l\u00e3i su\u1ea5t kh\u00f4ng v\u01b0\u1ee3t qu\u00e1 150% m\u1ee9c l\u00e3i su\u1ea5t c\u01a1 b\u1ea3n do Ng\u00e2n h\u00e0ng Nh\u00e0 n\u01b0\u1edbc (NHNN) c\u00f4ng b\u1ed1. Ch\u01b0a k\u1ec3, vi\u1ec7c s\u1eed d\u1ee5ng v\u1ed1n \u1ee7y th\u00e1c n\u00e0y \u0111\u1ec3 kinh doanh v\u00e0ng, ngo\u1ea1i h\u1ed1i l\u00e0 vi ph\u1ea1m quy \u0111\u1ecbnh hi\u1ec7n h\u00e0nh v\u1ec1 qu\u1ea3n l\u00fd ngo\u1ea1i h\u1ed1i.<\/em><\/p>\n<p><strong><em>T\u00edn d\u1ee5ng ng\u1ea7m chi\u1ebfm t\u1edbi 30% t\u00edn d\u1ee5ng to\u00e0n h\u1ec7 th\u1ed1ng<\/em><\/strong><\/p>\n<p>Theo \u00f4ng T\u00f4 Ho\u00e0i Nam, T\u1ed5ng th\u01b0 k\u00fd Hi\u1ec7p h\u1ed9i Doanh nghi\u1ec7p nh\u1ecf v\u00e0 v\u1eeba, hi\u1ec7n nay, tuy l\u00e3i su\u1ea5t \u0111\u00e3 d\u1ec5 th\u1edf h\u01a1n, song \u0111i\u1ec1u ki\u1ec7n vay v\u1ed1n v\u1eabn khi\u1ebfn c\u00e1c doanh nghi\u1ec7p nh\u1ecf v\u00e0 v\u1eeba v\u00e0 nh\u1ecf kh\u00f3 l\u00f2ng vay \u0111\u01b0\u1ee3c v\u1ed1n ng\u00e2n h\u00e0ng. \u0110\u00e2y c\u0169ng l\u00e0 l\u00fd do khi\u1ebfn t\u00edn d\u1ee5ng \u0111en b\u00f9ng ph\u00e1t.<\/p>\n<p>T\u1ea1i H\u1ed9i th\u1ea3o C\u1ea3i c\u00e1ch th\u1ecb tr\u01b0\u1eddng t\u00e0i ch\u00ednh trong chi\u1ebfn l\u01b0\u1ee3c t\u00e1i c\u01a1 c\u1ea5u n\u1ec1n kinh t\u1ebf, t\u1ed5 ch\u1ee9c s\u00e1ng 14\/10 t\u1ea1i H\u00e0 N\u1ed9i, TS. V\u00f5 Tr\u00ed Th\u00e0nh, Ph\u00f3 vi\u1ec7n tr\u01b0\u1edfng Vi\u1ec7n Nghi\u00ean c\u1ee9u qu\u1ea3n l\u00fd kinh t\u1ebf Trung \u01b0\u01a1ng nh\u1eadn \u0111\u1ecbnh: \u201c\u1ede Vi\u1ec7t Nam, tuy ch\u01b0a c\u00f3 m\u1ed9t th\u1ed1ng k\u00ea ch\u00ednh th\u1ee9c v\u1ec1 c\u00e1c kho\u1ea3n vay ng\u1ea7m, nh\u01b0ng theo \u01b0\u1edbc t\u00ednh, cho vay ngo\u00e0i h\u1ec7 th\u1ed1ng ng\u00e2n h\u00e0ng, hay c\u00f2n g\u1ecdi l\u00e0 t\u00edn d\u1ee5ng \u0111en, b\u1eb1ng kho\u1ea3ng 30% t\u1ed5ng t\u00edn d\u1ee5ng do h\u1ec7 th\u1ed1ng ng\u00e2n h\u00e0ng cung c\u1ea5p\u201d.<\/p>\n<p>Tr\u00ean th\u1ef1c t\u1ebf, t\u00edn d\u1ee5ng \u0111en l\u00e0 v\u1ea5n n\u1ea1n m\u00e0 h\u1ea7u nh\u01b0 m\u1ecdi n\u1ec1n kinh t\u1ebf \u0111\u1ec1u g\u1eb7p ph\u1ea3i. \u00d4ng Con English (Ban r\u1ee7i ro, Nh\u00f3m h\u1ed7 tr\u1ee3 gi\u00e1m s\u00e1t, Ng\u00e2n h\u00e0ng Trung \u01b0\u01a1ng Ireland) kh\u1eb3ng \u0111\u1ecbnh: \u201cTh\u1ed1ng k\u00ea c\u1ee7a H\u1ed9i \u0111\u1ed3ng \u1ed4n \u0111\u1ecbnh t\u00e0i ch\u00ednh ch\u00e2u \u00c2u \u01b0\u1edbc t\u00ednh, d\u1ecbch v\u1ee5 ng\u00e2n h\u00e0ng ng\u1ea7m chi\u1ebfm t\u1edbi 25 &#8211; 30% to\u00e0n h\u1ec7 th\u1ed1ng t\u00e0i ch\u00ednh ch\u00e2u \u00c2u v\u00e0 kho\u1ea3ng 1 n\u1eeda quy m\u00f4 t\u00e0i s\u1ea3n c\u1ee7a c\u00e1c ng\u00e2n h\u00e0ng. H\u1ec7 th\u1ed1ng ng\u00e2n h\u00e0ng ng\u1ea7m n\u1eafm gi\u1eef 22% ngu\u1ed3n qu\u1ef9 ng\u1eafn h\u1ea1n cho c\u00e1c ch\u00ednh ph\u1ee7, doanh nghi\u1ec7p v\u00e0 38% c\u1ee7a c\u00e1c ch\u1ee9ng kho\u00e1n ng\u00e2n h\u00e0ng. D\u00f9 v\u1eady, c\u00e1c th\u00e0nh ph\u1ea7n n\u00e0y kh\u00f4ng b\u1ecb qu\u1ea3n l\u00fd nh\u01b0 c\u00e1c ng\u00e2n h\u00e0ng v\u00e0 trong nhi\u1ec1u tr\u01b0\u1eddng h\u1ee3p, ho\u00e0n to\u00e0n kh\u00f4ng b\u1ecb qu\u1ea3n l\u00fd\u201d. Ch\u00ednh s\u00e1ch th\u1eaft ch\u1eb7t t\u00edn d\u1ee5ng, c\u00e1c ng\u00e2n h\u00e0ng t\u00e1i c\u01a1 c\u1ea5u v\u00e0 kh\u00f4ng mu\u1ed1n cho vay trong khi n\u1ec1n kinh t\u1ebf c\u1ea7n v\u1ed1n \u0111\u1ec3 ho\u1ea1t \u0111\u1ed9ng\u2026 l\u00e0 nh\u1eefng l\u00fd do d\u1eabn t\u1edbi t\u00ecnh tr\u1ea1ng tr\u00ean.<\/p>\n<p>Trong b\u1ed1i c\u1ea3nh kinh t\u1ebf kh\u00f3 kh\u0103n, n\u1ebfu kh\u00f4ng ki\u1ec3m so\u00e1t \u0111\u01b0\u1ee3c d\u00f2ng ti\u1ec1n, t\u00edn d\u1ee5ng ng\u1ea7m s\u1ebd g\u00e2y ra nh\u1eefng b\u1ea5t \u1ed5n v\u0129 m\u00f4. Ch\u01b0a k\u1ec3, n\u1ebfu t\u00edn d\u1ee5ng \u0111en b\u1ecb v\u1ee1, thi\u1ec7t h\u1ea1i c\u00f3 th\u1ec3 l\u00e2y lan sang c\u1ea3 h\u1ec7 th\u1ed1ng ng\u00e2n h\u00e0ng v\u00e0 c\u1ea3 n\u1ec1n kinh t\u1ebf. Cao h\u01a1n c\u1ea3 l\u00e0 l\u00f2ng tin b\u1ecb t\u1ed5n th\u1ea5t n\u1eb7ng n\u1ec1.n<\/p>\n<p><strong>H\u00e0 T\u00e2m<\/strong><\/p>\n<p>&#8212;&#8212;&#8212;&#8212;&#8212;&#8211;<\/p>\n<p><strong><em>\u0110\u1ea7u t\u01b0 16-10-2013<\/em><\/strong><\/p>\n<p>&nbsp;","protected":false},"excerpt":{"rendered":"<p>(\u0110T) &#8211; Khi d\u00f2ng v\u1ed1n gi\u00e1 r\u1ebb v\u1eabn \u201ct\u1eafc\u201d trong c\u00e1c ng\u00e2n h\u00e0ng, th\u00ec c\u00e1c c\u00f4ng ty t\u01b0 v\u1ea5n \u0111\u1ea7u t\u01b0 \u0111ang c\u00f4ng khai k\u00eau g\u1ecdi ng\u01b0\u1eddi d\u00e2n g\u1eedi v\u1ed1n v\u1edbi l\u00e3i su\u1ea5t t\u1edbi 36%\/n\u0103m, c\u00e1c ti\u1ec7m c\u1ea7m \u0111\u1ed3 cho vay v\u1edbi l\u00e3i su\u1ea5t t\u1edbi 0,2 \u2013 0,5%\/ng\u00e0y. C\u1ea1nh tranh v\u1edbi nh\u00e0 b\u0103ng \u201cChovaytien.vn \u2013 [&hellip;]<\/p>\n","protected":false},"author":3,"featured_media":22950,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":""},"categories":[27,26],"tags":[],"class_list":["post-22948","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-interviews","category-legal-media"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v26.9 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>384. N\u1edf r\u1ed9 ng\u00e2n h\u00e0ng tr\u00e1 h\u00ecnh - 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\/en\/tieng-viet-384-no-ro-ngan-hang-tra-hinh\/\" \/>\n<meta property=\"og:locale\" content=\"vi_VN\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"[:vi]384. 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