{"id":22973,"date":"2013-10-17T14:01:03","date_gmt":"2013-10-17T07:01:03","guid":{"rendered":"https:\/\/anvilaw.com\/vi\/?p=22973"},"modified":"2022-05-23T14:05:48","modified_gmt":"2022-05-23T07:05:48","slug":"386-vay-von-ngan-hang-dung-nam-dang-luoi","status":"publish","type":"post","link":"https:\/\/anvilaw.com\/vi\/386-vay-von-ngan-hang-dung-nam-dang-luoi\/","title":{"rendered":"386. Vay v\u1ed1n ng\u00e2n h\u00e0ng, \u0111\u1eebng n\u1eafm \u0111\u1eb1ng l\u01b0\u1ee1i"},"content":{"rendered":"<strong>(\u0110TCK) &#8211; DN ph\u1ea3i th\u1eadn tr\u1ecdng khi cam k\u1ebft v\u00e0 \u0111\u1ea3m b\u1ea3o th\u1ef1c hi\u1ec7n \u0111\u00fang c\u00e1c cam k\u1ebft \u0111\u1ec3 tr\u00e1nh r\u1ee7i ro.<\/strong><\/p>\n<p><img loading=\"lazy\" decoding=\"async\" class=\"alignnone size-medium wp-image-22980 img-fluid img-fluid\" src=\"https:\/\/anvilaw.com\/wp-content\/uploads\/2022\/05\/86-1-450x313.jpg\" alt=\"\" width=\"450\" height=\"313\" srcset=\"https:\/\/anvilaw.com\/wp-content\/uploads\/2022\/05\/86-1-450x313.jpg 450w, https:\/\/anvilaw.com\/wp-content\/uploads\/2022\/05\/86-1.jpg 620w\" sizes=\"auto, (max-width: 450px) 100vw, 450px\" \/><\/p>\n<p><em>Nhi\u1ec1u DN l\u1ea7m t\u01b0\u1edfng l\u00e0 ph\u1ee5 ph\u00ed c\u1ed9ng th\u00eam 0,2% v\u00e0o l\u00e3i su\u1ea5t<\/em><\/p>\n<p>\u0110\u1ec3 duy tr\u00ec ho\u1ea1t \u0111\u1ed9ng v\u00e0 s\u1ea3n xu\u1ea5t &#8211;\u00a0 kinh doanh, \u0111a s\u1ed1 DN ph\u1ea3i ph\u1ee5 thu\u1ed9c nhi\u1ec1u v\u00e0o ngu\u1ed3n v\u1ed1n vay t\u1eeb ng\u00e2n h\u00e0ng. M\u1eb7c d\u00f9 vi\u1ec7c ti\u1ebfp c\u1eadn v\u1ed1n ng\u00e2n h\u00e0ng kh\u00f4ng d\u1ec5 d\u00e0ng nh\u01b0ng nhi\u1ec1u chuy\u00ean gia ph\u00e1p l\u00fd cho r\u1eb1ng, kh\u00f4ng n\u00ean ti\u1ebfp c\u1eadn ngu\u1ed3n t\u00edn d\u1ee5ng n\u00e0y b\u1eb1ng m\u1ecdi gi\u00e1 m\u00e0 ch\u01b0a t\u00ednh h\u1ebft nh\u1eefng r\u1ee7i ro th\u1ecb tr\u01b0\u1eddng. Trong h\u1ed9i th\u1ea3o m\u1edbi \u0111\u00e2y c\u1ee7a \u0110o\u00e0n lu\u1eadt s\u01b0 H\u00e0 N\u1ed9i, c\u00e1c chuy\u00ean gia c\u0169ng \u0111\u01b0a ra nhi\u1ec1u v\u1ea5n \u0111\u1ec1 ph\u00e1p l\u00fd DN c\u1ea7n l\u01b0u \u00fd khi th\u1ef1c hi\u1ec7n giao d\u1ecbch vay v\u1ed1n ng\u00e2n h\u00e0ng.<\/p>\n<p>Theo Lu\u1eadt s\u01b0 V\u0169 Di\u1ec7u Huy\u1ec1n, C\u00f4ng ty Lu\u1eadt h\u1ee3p danh YKVN, n\u00f3i \u0111\u1ebfn chi ph\u00ed vay v\u1ed1n, th\u00f4ng th\u01b0\u1eddng ng\u01b0\u1eddi ta ch\u1ec9 nh\u1eafc \u0111\u1ebfn l\u00e3i su\u1ea5t, nh\u01b0ng tr\u00ean th\u1ef1c t\u1ebf, ng\u00e2n h\u00e0ng th\u01b0\u1eddng y\u00eau c\u1ea7u kh\u00e1ch h\u00e0ng g\u00e1nh th\u00eam c\u00e1c chi ph\u00ed ph\u00e1t sinh nh\u01b0 m\u1ed9t c\u00e1ch \u0111i\u1ec1u ch\u1ec9nh l\u00e3i su\u1ea5t, nh\u01b0 ph\u00ed thu x\u1ebfp kho\u1ea3n vay, ph\u00ed cam k\u1ebft r\u00fat v\u1ed1n, ph\u00ed h\u1ee7y b\u1ecf cam k\u1ebft cho vay\u2026, th\u1eadm ch\u00ed c\u00f3 tr\u01b0\u1eddng h\u1ee3p, DN ph\u1ea3i ch\u1ecbu c\u1ea3 chi ph\u00ed lu\u1eadt s\u01b0 cho ng\u00e2n h\u00e0ng.<\/p>\n<p>Ngo\u00e0i ra, khi th\u1ef1c hi\u1ec7n h\u1ee3p \u0111\u1ed3ng vay v\u1ed1n ng\u00e2n h\u00e0ng, DN c\u1ea7n xem x\u00e9t k\u1ef9 c\u00e1c \u0111i\u1ec1u kho\u1ea3n v\u1ec1 t\u00e0i s\u1ea3n \u0111\u1ec3 b\u1ea3o \u0111\u1ea3m ngh\u0129a v\u1ee5 vay v\u00e0 c\u1ea7n ki\u1ec3m so\u00e1t qu\u00e1 tr\u00ecnh x\u1eed l\u00fd t\u00e0i s\u1ea3n \u0111\u1ec3 tr\u00e1nh b\u1ecb thi\u1ec7t h\u1ea1i th\u00eam. B\u1edfi khi nh\u1eadn t\u00e0i s\u1ea3n \u0111\u1ea3m b\u1ea3o, nhi\u1ec1u ng\u00e2n h\u00e0ng \u0111\u00f2i h\u1ecfi kh\u00e1ch vay trao cho ng\u00e2n h\u00e0ng quy\u1ec1n t\u1ef1 \u0111\u1ecbnh \u0111o\u1ea1t c\u00e1c ph\u01b0\u01a1ng th\u1ee9c v\u00e0 x\u00e1c \u0111\u1ecbnh gi\u00e1 tr\u1ecb t\u00e0i s\u1ea3n b\u1ea3o \u0111\u1ea3m khi x\u1eed l\u00fd. Trong tr\u01b0\u1eddng h\u1ee3p, kh\u00e1ch h\u00e0ng kh\u00f4ng c\u00f3 kh\u1ea3 n\u0103ng thanh to\u00e1n kho\u1ea3n vay, \u0111\u1ec3 nhanh ch\u00f3ng thu h\u1ed3i kho\u1ea3n n\u1ee3, ng\u00e2n h\u00e0ng s\u1ebd ch\u1ea5p nh\u1eadn b\u00e1n t\u00e0i s\u1ea3n v\u1edbi b\u1ea5t k\u1ef3 gi\u00e1 n\u00e0o.<\/p>\n<p>B\u00ean c\u1ea1nh \u0111\u00f3, h\u1ed3 s\u01a1 vay v\u1ed1n l\u00e0 do DN cung c\u1ea5p v\u00e0 ng\u00e2n h\u00e0ng s\u1ebd y\u00eau c\u1ea7u DN cam k\u1ebft r\u1eb1ng c\u00e1c th\u00f4ng tin l\u00e0 \u0111\u00fang s\u1ef1 th\u1eadt. \u0110\u1ed3ng th\u1eddi, DN c\u0169ng th\u01b0\u1eddng ph\u1ea3i cam \u0111oan DN c\u00f3 quy\u1ec1n tham gia h\u1ee3p \u0111\u1ed3ng, ng\u01b0\u1eddi k\u00fd k\u1ebft \u0111\u00fang th\u1ea9m quy\u1ec1n, DN kh\u00f4ng c\u00f3 vi ph\u1ea1m n\u00e0o, kh\u00f4ng b\u1ecb ki\u1ec7n t\u1ee5ng, n\u1ee3 \u0111\u1ecdng thu\u1ebf\u2026 Khi \u0111\u00e3 cam k\u1ebft, n\u1ebfu kh\u00f4ng th\u1ec3 th\u1ef1c hi\u1ec7n, t\u1ee9c l\u00e0 th\u00f4ng tin cam k\u1ebft kh\u00f4ng \u0111\u00fang th\u00ec ng\u00e2n h\u00e0ng c\u00f3 th\u1ec3 coi \u0111\u00f3 l\u00e0 vi ph\u1ea1m h\u1ee3p \u0111\u1ed3ng v\u00e0 c\u00f3 quy\u1ec1n thu h\u1ed3i n\u1ee3 tr\u01b0\u1edbc h\u1ea1n v\u00e0 x\u1eed l\u00fd t\u00e0i s\u1ea3n b\u1ea3o \u0111\u1ea3m. Do \u0111\u00f3, DN ph\u1ea3i th\u1eadn tr\u1ecdng khi cam k\u1ebft v\u00e0 \u0111\u1ea3m b\u1ea3o th\u1ef1c hi\u1ec7n \u0111\u00fang c\u00e1c cam k\u1ebft \u0111\u1ec3 tr\u00e1nh r\u1ee7i ro.<\/p>\n<p>\u201cDN c\u1ea7n c\u1ed1 g\u1eafng \u0111\u00e0m ph\u00e1n v\u1edbi ng\u00e2n h\u00e0ng \u0111\u1ec3 h\u1ea1n ch\u1ebf t\u1ed1i \u0111a vi\u1ec7c li\u1ec7t k\u00ea c\u00e1c s\u1ef1 ki\u1ec7n vi ph\u1ea1m v\u00e0 thuy\u1ebft ph\u1ee5c ng\u00e2n h\u00e0ng d\u00e0nh cho kho\u1ea3ng th\u1eddi gian nh\u1ea5t \u0111\u1ecbnh \u0111\u1ec3 DN t\u1ef1 kh\u1eafc ph\u1ee5c s\u1ef1 ki\u1ec7n vi ph\u1ea1m, tr\u01b0\u1edbc khi ng\u00e2n h\u00e0ng th\u1ef1c hi\u1ec7n c\u00e1c bi\u1ec7n ph\u00e1p x\u1eed l\u00fd\u201d, lu\u1eadt s\u01b0 Huy\u1ec1n n\u00f3i.<\/p>\n<p><em>Theo Lu\u1eadt s\u01b0 Tr\u01b0\u01a1ng Thanh \u0110\u1ee9c, Gi\u00e1m \u0111\u1ed1c C\u00f4ng ty Lu\u1eadt ANVI, v\u1ec1 nguy\u00ean t\u1eafc, khi l\u1eadp h\u1ee3p \u0111\u1ed3ng th\u00ec bao gi\u1edd c\u0169ng ph\u1ea3i r\u00e0nh m\u1ea1ch, r\u00f5 r\u00e0ng, kh\u00f4ng thi\u00ean v\u1ecb b\u00ean n\u00e0o, kh\u00f4ng c\u1ee5c b\u1ed9 l\u1ee3i \u00edch qu\u00e1 \u0111\u00e1ng c\u1ee7a m\u1ed9t ph\u00eda. Do \u0111\u00f3, khi giao k\u1ebft h\u1ee3p \u0111\u1ed3ng, DN c\u0169ng n\u00ean l\u01b0u \u00fd m\u1ed9t s\u1ed1 v\u1ea5n \u0111\u1ec1 \u0111\u1ec3 \u0111\u1ea3m b\u1ea3o quy\u1ec1n l\u1ee3i. Tuy nhi\u00ean, th\u1ef1c ti\u1ec5n vay v\u00e0 cho vay cho th\u1ea5y nhi\u1ec1u g\u00f3c \u0111\u1ed9 kh\u00e1c. V\u00ed d\u1ee5 nh\u01b0 chuy\u1ec7n ph\u1ee5 ph\u00ed, n\u1ebfu nh\u01b0 ph\u1ee5 ph\u00ed \u0111\u01b0a v\u00e0o \u0111\u1ec3 l\u00e1ch l\u00e3i su\u1ea5t th\u00ec \u0111\u00e2y l\u00e0 l\u1ed7i c\u01a1 ch\u1ebf, c\u01a1 quan qu\u1ea3n l\u00fd \u0111\u01b0a ra quy \u0111\u1ecbnh sai b\u1ea3n ch\u1ea5t v\u1ea5n \u0111\u1ec1, sai nguy\u00ean t\u1eafc kinh t\u1ebf cho n\u00ean c\u00f3 chuy\u1ec7n l\u00e1ch lu\u1eadt. N\u1ebfu kh\u00f4ng l\u00e1ch lu\u1eadt th\u00ec s\u1ebd ph\u1ea3i t\u0103ng l\u00e3i su\u1ea5t. <\/em><\/p>\n<p><em>\u0110\u1ed1i v\u1edbi m\u1ed9t s\u1ed1 lo\u1ea1i ph\u00ed, ng\u00e2n h\u00e0ng \u0111\u01b0a ra l\u00e0 h\u1ee3p l\u00fd, nh\u01b0ng t\u00ednh t\u1ea5t c\u1ea3 v\u00e0o l\u00e3i su\u1ea5t l\u00e0 kh\u00f4ng c\u00f4ng b\u1eb1ng. Ch\u1eb3ng h\u1ea1n, c\u00f9ng l\u00e0 DN v\u1edbi \u0111i\u1ec1u ki\u1ec7n nh\u01b0 nhau, nh\u01b0ng t\u00e0i s\u1ea3n b\u1ea3o \u0111\u1ea3m l\u00e0 gi\u1ea5y t\u1edd c\u00f3 gi\u00e1 s\u1ebd kh\u00e1c t\u00e0i s\u1ea3n c\u1ea7m c\u1ed1, b\u1edfi c\u1ea7m c\u1ed1 s\u1ebd ph\u1ea3i t\u1ed1n ph\u00ed qu\u1ea3n l\u00fd t\u00e0i s\u1ea3n, l\u1ea1i r\u1ee7i ro h\u01a1n khi \u0111\u1ecbnh gi\u00e1\u2026 <\/em><\/p>\n<p><em>Lu\u1eadt s\u01b0 \u0110\u1ee9c c\u0169ng chia s\u1ebb th\u00eam, c\u00f3 tr\u01b0\u1eddng h\u1ee3p DN ph\u00e0n n\u00e0n ng\u00e2n h\u00e0ng \u0111i\u1ec1u ch\u1ec9nh l\u00e3i su\u1ea5t tr\u01b0\u1edbc k\u1ef3 thu l\u00e3i, nh\u01b0ng th\u1ef1c ra vi\u1ec7c \u0111i\u1ec1u ch\u1ec9nh \u0111\u01b0\u1ee3c \u00e1p d\u1ee5ng chung cho t\u1ea5t c\u1ea3 c\u00e1c kh\u00e1ch h\u00e0ng, c\u00f3 kh\u00e1ch h\u00e0ng r\u01a1i v\u00e0o \u0111\u1ea7u k\u1ef3, c\u00f3 kh\u00e1ch h\u00e0ng r\u01a1i v\u00e0o gi\u1eefa k\u1ef3 hay cu\u1ed1i k\u1ef3. Nhi\u1ec1u DN c\u0169ng l\u1ea7m t\u01b0\u1edfng l\u00e0 ph\u1ee5 ph\u00ed c\u1ed9ng th\u00eam 0,2% v\u00e0o l\u00e3i su\u1ea5t, nh\u01b0ng th\u1ef1c ch\u1ea5t l\u00e3i su\u1ea5t \u0111\u01b0\u1ee3c thu theo th\u00e1ng, n\u0103m, c\u00f2n ph\u00ed ch\u1ec9 thu v\u00e0o \u0111\u1ea7u k\u1ef3 ho\u1eb7c khi c\u00f3 ph\u00e1t sinh. H\u01a1n n\u1eefa, h\u1ea7u h\u1ebft c\u00e1c ng\u00e2n h\u00e0ng \u0111\u1ec1u c\u00f3 quy \u0111\u1ecbnh bi\u1ec3u ph\u00ed c\u1ee5 th\u1ec3 v\u00e0 \u0111\u01b0\u1ee3c th\u00f4ng b\u00e1o c\u00f4ng khai theo \u0111\u00fang quy \u0111\u1ecbnh c\u1ee7a ph\u00e1p lu\u1eadt. <\/em><\/p>\n<p><em>Ri\u00eang t\u00e0i s\u1ea3n b\u1ea3o \u0111\u1ea3m, c\u00f3 th\u1ec3 c\u00f3 r\u00e0ng bu\u1ed9c \u0111i\u1ec1u kho\u1ea3n thi\u00ean v\u1ecb, nh\u01b0ng vi\u1ec7c x\u1eed l\u00fd t\u00e0i s\u1ea3n b\u1ea3o \u0111\u1ea3m tr\u00ean th\u1ef1c t\u1ebf kh\u00f4ng h\u1ec1 d\u1ec5 d\u00e0ng. V\u00ed d\u1ee5 nh\u01b0 th\u1ebf ch\u1ea5p nh\u00e0 \u0111\u1ea5t, khi ng\u00e2n h\u00e0ng x\u1eed l\u00fd n\u1ee3, d\u00f9 \u0111\u00e3 \u0111\u1ee7 \u0111i\u1ec1u ki\u1ec7n m\u00e0 ch\u1ee7 t\u00e0i s\u1ea3n kh\u00f4ng \u0111\u1ed3ng \u00fd th\u00ec ng\u00e2n h\u00e0ng kh\u00f4ng th\u1ec3 ph\u00e1t m\u1ea1i. Kh\u1ed1i n\u1ee3 x\u1ea5u c\u1ee7a h\u1ec7 th\u1ed1ng ng\u00e2n h\u00e0ng hi\u1ec7n nay b\u1ebf t\u1eafc nguy\u00ean nh\u00e2n m\u1ed9t ph\u1ea7n c\u0169ng v\u00ec kh\u00f4ng x\u1eed l\u00fd \u0111\u01b0\u1ee3c t\u00e0i s\u1ea3n b\u1ea3o \u0111\u1ea3m, d\u00f9 \u0111\u00e3 k\u00fd k\u1ebft, c\u00f4ng ch\u1ee9ng \u0111\u1ea7y \u0111\u1ee7. <\/em><\/p>\n<p><em>\u0110\u1ed1i v\u1edbi cam k\u1ebft v\u1ec1 t\u00ednh ch\u00ednh x\u00e1c c\u1ee7a th\u00f4ng tin, h\u1ed3 s\u01a1 t\u00e0i li\u1ec7u do DN cung c\u1ea5p, y\u00eau c\u1ea7u n\u00e0y cho ng\u00e2n h\u00e0ng c\u00f3 quy\u1ec1n b\u1eaft l\u1ed7i v\u00e0 thu h\u1ed3i n\u1ee3 tr\u01b0\u1edbc h\u1ea1n. Tuy nhi\u00ean, kh\u00f4ng ng\u00e2n h\u00e0ng n\u00e0o l\u1ea1m d\u1ee5ng \u0111i\u1ec1u n\u00e0y, b\u1edfi vi\u1ec7c thu h\u1ed3i n\u1ee3 tr\u01b0\u1edbc h\u1ea1n th\u00ec m\u1ee5c ti\u00eau l\u1ee3i nhu\u1eadn c\u1ee7a ng\u00e2n h\u00e0ng c\u0169ng b\u1ecb \u1ea3nh h\u01b0\u1edfng, ch\u01b0a k\u1ec3 \u0111\u1ebfn kh\u1ea3 n\u0103ng thu h\u1ed3i \u0111\u1ee7 v\u1ed1n g\u1ed1c c\u0169ng kh\u00f3. Do \u0111\u00f3, ch\u1ec9 khi th\u1ef1c s\u1ef1 c\u00f3 nguy c\u01a1 m\u1ea5t v\u1ed1n, ng\u00e2n h\u00e0ng m\u1edbi ph\u1ea3i thu h\u1ed3i n\u1ee3 tr\u01b0\u1edbc h\u1ea1n.\u00a0\u00a0\u00a0\u00a0\u00a0 \u00a0 <\/em><\/p>\n<p><strong>Ho\u00e0ng Duy<\/strong><\/p>\n<p>&#8212;&#8212;&#8212;&#8212;&#8212;<\/p>\n<p><strong><em>\u0110\u1ea7u t\u01b0 Ch\u1ee9ng kho\u00e1n 17-10-2013 (M\u1ee5c Ti\u1ec1n t\u1ec7):<\/em><\/strong><\/p>\n<p><em>http:\/\/tinnhanhchungkhoan.vn\/GL\/N\/DAJCDB\/vay-von-ngan-hang-dung-nam-dang-luoi.html<\/em><\/p>\n<p><em>(513\/1.052)<\/em>","protected":false},"excerpt":{"rendered":"<p>(\u0110TCK) &#8211; DN ph\u1ea3i th\u1eadn tr\u1ecdng khi cam k\u1ebft v\u00e0 \u0111\u1ea3m b\u1ea3o th\u1ef1c hi\u1ec7n \u0111\u00fang c\u00e1c cam k\u1ebft \u0111\u1ec3 tr\u00e1nh r\u1ee7i ro. Nhi\u1ec1u DN l\u1ea7m t\u01b0\u1edfng l\u00e0 ph\u1ee5 ph\u00ed c\u1ed9ng th\u00eam 0,2% v\u00e0o l\u00e3i su\u1ea5t \u0110\u1ec3 duy tr\u00ec ho\u1ea1t \u0111\u1ed9ng v\u00e0 s\u1ea3n xu\u1ea5t &#8211;\u00a0 kinh doanh, \u0111a s\u1ed1 DN ph\u1ea3i ph\u1ee5 thu\u1ed9c nhi\u1ec1u v\u00e0o ngu\u1ed3n [&hellip;]<\/p>\n","protected":false},"author":3,"featured_media":22980,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":""},"categories":[27,26],"tags":[],"class_list":["post-22973","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>386. 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