{"id":2330,"date":"2021-03-25T12:55:48","date_gmt":"2021-03-25T05:55:48","guid":{"rendered":"https:\/\/anvilaw.com\/vi\/?p=2330"},"modified":"2022-05-23T14:45:28","modified_gmt":"2022-05-23T07:45:28","slug":"357-binh-luan-phap-ly-tai-chinh-tieu-dung-giai-doan-2010-2021","status":"publish","type":"post","link":"https:\/\/anvilaw.com\/vi\/357-binh-luan-phap-ly-tai-chinh-tieu-dung-giai-doan-2010-2021\/","title":{"rendered":"357. B\u00ecnh lu\u1eadn Ph\u00e1p l\u00fd T\u00e0i ch\u00ednh ti\u00eau d\u00f9ng giai \u0111o\u1ea1n 2010 &#8211; 2021"},"content":{"rendered":"<strong>(ANVI) &#8211; <\/strong><strong>Lu\u1eadt s\u01b0 Tr\u01b0\u01a1ng Thanh \u0110\u1ee9c<\/strong><strong>, <\/strong><em><strong>Gi\u00e1m<\/strong><strong> \u0111\u1ed1c<\/strong> <strong>C\u00f4ng ty Lu\u1eadt ANVI<\/strong><\/em><strong>, <\/strong><strong>Tr\u1ecdng t\u00e0i vi\u00ean VIAC\u00a0 tr\u00ecnh<\/strong> <strong>b\u00e0y t\u1ea1i <\/strong><strong><em>H\u1ed9i th\u1ea3o T\u00e0i<\/em><\/strong><strong><em> ch\u00ednh ti\u00eau d\u00f9ng c\u1ee7a <\/em><\/strong><strong><em>B\u00e1o \u0110\u1ea7u t\u01b0<\/em><\/strong><strong><em>.<\/em><\/strong><\/p>\n<p><img loading=\"lazy\" decoding=\"async\" class=\"alignnone size-medium wp-image-2333 img-fluid img-fluid\" src=\"https:\/\/anvilaw.com\/wp-content\/uploads\/2021\/03\/E3D184A0-56F4-4CCD-936B-59CD31801D33_4_5005_c-450x270.jpeg\" alt=\"\" width=\"450\" height=\"270\" srcset=\"https:\/\/anvilaw.com\/wp-content\/uploads\/2021\/03\/E3D184A0-56F4-4CCD-936B-59CD31801D33_4_5005_c-450x270.jpeg 450w, https:\/\/anvilaw.com\/wp-content\/uploads\/2021\/03\/E3D184A0-56F4-4CCD-936B-59CD31801D33_4_5005_c.jpeg 500w\" sizes=\"auto, (max-width: 450px) 100vw, 450px\" \/><\/p>\n<p><strong>\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0 \u00a0<\/strong><\/p>\n<p><em>Trong 10 n\u0103m qua, t\u00e0i ch\u00ednh ti\u00eau d\u00f9ng ph\u00e1t tri\u1ec3n r\u1ea5t m\u1ea1nh, nh\u01b0ng h\u00e0nh lang ph\u00e1p l\u00fd th\u00ec kh\u00f4ng thay \u0111\u1ed5i nhi\u1ec1u, n\u00ean<\/em> <em>\u0111\u00e3 tr\u1edf th\u00e0nh <\/em><em>m\u1ed9t trong nh\u1eefng nguy\u00ean nh\u00e2n c\u1ea3n tr\u1edf ho\u1ea1t \u0111\u1ed9ng n\u00e0y.<\/em><\/p>\n<p><strong>1. Quy \u0111\u1ecbnh v\u1ec1 cho vay ti\u00eau d\u00f9ng n\u00f3i chung:<\/strong><\/p>\n<p>1.1. C\u00e1c lo\u1ea1i h\u00ecnh cho vay ti\u00eau d\u00f9ng (kh\u00f4ng ph\u1ea3i l\u00e0 ho\u1ea1t \u0111\u1ed9ng c\u1ea5p t\u00edn d\u1ee5ng theo Lu\u1eadt C\u00e1c t\u1ed5 ch\u1ee9c t\u00edn d\u1ee5ng n\u0103m 2010):<\/p>\n<ul>\n<li>Cho vay ngang h\u00e0ng: Lo\u1ea1i h\u00ecnh cho vay m\u1edbi:<\/li>\n<li>Ch\u01b0a c\u00f3 quy \u0111\u1ecbnh \u0111i\u1ec1u ch\u1ec9nh;<\/li>\n<li>Nh\u01b0ng kh\u00f4ng h\u1ec1 tr\u00e1i ph\u00e1p lu\u1eadt.<\/li>\n<li>Cho vay d\u1ecbch v\u1ee5 c\u1ea7m \u0111\u1ed3: C\u01a1 b\u1ea3n kh\u00f4ng thay \u0111\u1ed5i:<\/li>\n<li>\u0110\u00e3 t\u1eebng \u0111\u01b0\u1ee3c quy \u0111\u1ecbnh t\u1ea1i \u0110i\u1ec1u 341 v\u1ec1 \u201cC\u1ea7m c\u1ed1 t\u00e0i s\u1ea3n t\u1ea1i c\u1eeda h\u00e0ng c\u1ea7m \u0111\u1ed3\u201d, B\u1ed9 lu\u1eadt D\u00e2n s\u1ef1 n\u0103m 2015, nh\u01b0ng \u0111\u00e3 kh\u00f4ng c\u00f2n \u0111\u01b0\u1ee3c quy \u0111\u1ecbnh trong B\u1ed9 lu\u1eadt D\u00e2n s\u1ef1 n\u0103m 2015.<\/li>\n<li>Vi\u1ec7c c\u1ea7m c\u1ed1 t\u00e0i s\u1ea3n t\u1ea1i c\u1eeda h\u00e0ng c\u1ea7m \u0111\u1ed3 \u0111\u01b0\u1ee3c th\u1ef1c hi\u1ec7n theo quy \u0111\u1ecbnh t\u1ea1i c\u00e1c \u0111i\u1ec1u t\u1eeb \u0110i\u1ec1u 326 \u0111\u1ebfn \u0110i\u1ec1u 340 c\u1ee7a B\u1ed9 lu\u1eadt n\u00e0y v\u00e0 c\u00e1c v\u0103n b\u1ea3n ph\u00e1p lu\u1eadt kh\u00e1c v\u1ec1 ho\u1ea1t \u0111\u1ed9ng c\u1ee7a c\u1eeda h\u00e0ng c\u1ea7m \u0111\u1ed3.<\/li>\n<li>T\u1eeb n\u0103m 2016 ch\u1ec9 \u0111\u01b0\u1ee3c quy \u0111\u1ecbnh trong 1 \u0111i\u1ec1u, \u0110i\u1ec1u 9 V\u1ec1 \u201c\u0110i\u1ec1u ki\u1ec7n v\u1ec1 an ninh, tr\u1eadt t\u1ef1 \u0111\u1ed1i v\u1edbi kinh doanh d\u1ecbch v\u1ee5 c\u1ea7m \u0111\u1ed3\u201d, Ngh\u1ecb \u0111\u1ecbnh s\u1ed1 96\/2016\/N\u0110-CP ng\u00e0y 01-7-2016 c\u1ee7a Ch\u00ednh ph\u1ee7 \u201cQuy \u0111\u1ecbnh \u0110i\u1ec1u ki\u1ec7n v\u1ec1 an ninh, tr\u1eadt t\u1ef1 \u0111\u1ed1i v\u1edbi m\u1ed9t s\u1ed1 ng\u00e0nh, ngh\u1ec1 \u0111\u1ea7u t\u01b0 kinh doanh c\u00f3 \u0111i\u1ec1u ki\u1ec7n\u201d, \u0111\u00e3 \u0111\u01b0\u1ee3c s\u1eeda \u0111\u1ed5i, b\u1ed5 sung theo Ngh\u1ecb \u0111\u1ecbnh s\u1ed1 89\/20198\/N\u0110-CP.<\/li>\n<li>Cho vay d\u01b0\u1edbi h\u00ecnh th\u1ee9c h\u1ecd, h\u1ee5i, bi\u00eau, ph\u01b0\u1eddng: C\u01a1 b\u1ea3n nh\u01b0 c\u0169:<\/li>\n<li>Theo quy \u0111\u1ecbnh t\u1ea1i \u0110i\u1ec1u 471 v\u1ec1 \u201cH\u1ecd, h\u1ee5i, bi\u00eau, ph\u01b0\u1eddng\u201d, B\u1ed9 lu\u1eadt D\u00e2n s\u1ef1 n\u0103m 2015.<\/li>\n<li>Ngh\u1ecb \u0111\u1ecbnh s\u1ed1 19\/2019\/N\u0110-CP ng\u00e0y 19-02-2019 c\u1ee7a Ch\u00ednh ph\u1ee7 v\u1ec1 \u201cH\u1ecd, h\u1ee5i, bi\u00eau, ph\u01b0\u1eddng\u201dquy \u0111\u1ecbnh ch\u1eb7t h\u01a1n 1 ch\u00fat v\u1ec1 \u0111i\u1ec1u ki\u1ec7n m\u1edf d\u00e2y h\u1ecd so v\u1edbi Ngh\u1ecb \u0111\u1ecbnh s\u1ed1 144\/2006\/N\u0110-CP tr\u01b0\u1edbc kia.<\/li>\n<li>Cho vay c\u1ee7a c\u00e1 nh\u00e2n: C\u01a1 b\u1ea3n kh\u00f4ng thay \u0111\u1ed5i:<\/li>\n<li>Kh\u00f4ng thu\u1ed9c 3 lo\u1ea1i h\u00ecnh cho vay tr\u00ean;<\/li>\n<li>Kh\u00f4ng th\u1ec3 x\u00e1c \u0111\u1ecbnh \u0111\u01b0\u1ee3c \u0111\u1ebfn quy m\u00f4 n\u00e0o th\u00ec c\u1ea7n hay kh\u00f4ng c\u1ea7n ph\u1ea3i \u0111\u0103ng k\u00fd kinh doanh hay c\u00f3 gi\u1ea5y ph\u00e9p v\u1ec1 ho\u1ea1t \u0111\u1ed9ng cho vay.\n<ul>\n<li>Quy \u0111\u1ecbnh ph\u00e1p lu\u1eadt v\u1ec1 cho vay: Lu\u1eadt C\u00e1c t\u1ed5 ch\u1ee9c t\u00edn d\u1ee5ng v\u00e0 B\u1ed9 lu\u1eadt D\u00e2n s\u1ef1 g\u1ea7n nh\u01b0 kh\u00f4ng c\u00f3 thay \u0111\u1ed5i, ngo\u1ea1i tr\u1eeb quy \u0111\u1ecbnh v\u1ec1 l\u00e3i su\u1ea5t cho vay.<\/li>\n<\/ul>\n<\/li>\n<\/ul>\n<p><strong>2. Quy \u0111\u1ecbnh v\u1ec1 cho vay c\u1ee7a c\u00e1c t\u1ed5 ch\u1ee9c t\u00edn d\u1ee5ng:<\/strong><\/p>\n<p>2.1. Tr\u01b0\u1edbc n\u0103m 2017: Quy \u0111\u1ecbnh chung l\u00e0 Cho vay \u201cph\u1ee5c v\u1ee5 \u0111\u1eddi s\u1ed1ng\u201d theo Quy\u1ebft \u0111\u1ecbnh 1627\/2001\/Q\u0110-NHNN.<\/p>\n<p>2.2. T\u1eeb n\u0103m 2017 ph\u00e2n l\u00e0m 2 lo\u1ea1i h\u00ecnh cho vay,:<\/p>\n<ul>\n<li>\u201cCho vay ph\u1ee5c v\u1ee5 nhu c\u1ea7u \u0111\u1eddi s\u1ed1ng\u201d c\u1ee7a c\u00e1c ng\u00e2n h\u00e0ng th\u01b0\u01a1ng m\u1ea1i v\u00e0 t\u1ed5 ch\u1ee9c t\u00edn d\u1ee5ng kh\u00e1c n\u00f3i chung, tr\u1eeb c\u00f4ng ty t\u00e0i ch\u00ednh, theo Th\u00f4ng t\u01b0 s\u1ed1 39\/2016\/TT-NHNN ng\u00e0y 30-12-2016 c\u1ee7a Th\u1ed1ng NHNN v\u00e0;<\/li>\n<li>\u201cCho vay ti\u00eau d\u00f9ng c\u1ee7a c\u00f4ng ty t\u00e0i ch\u00ednh\u201d, theo Th\u00f4ng t\u01b0 s\u1ed1 43\/2016\/TT-NHNN ng\u00e0y 30-12-2016 c\u1ee7a Th\u1ed1ng NHNN \u201cQuy \u0111\u1ecbnh cho vay ti\u00eau d\u00f9ng c\u1ee7a c\u00f4ng ty t\u00e0i ch\u00ednh\u201d;<\/li>\n<li>V\u1ec1 b\u1ea3n ch\u1ea5t \u0111\u1ec1u l\u00e0 vi\u1ec7c cho vay ti\u00eau d\u00f9ng gi\u1ed1ng nhau.<\/li>\n<\/ul>\n<p>2.3. S\u1ed1 l\u01b0\u1ee3ng c\u00f4ng ty t\u00e0i ch\u00ednh trong 10 n\u0103m qua g\u1ea7n nh\u01b0 kh\u00f4ng thay \u0111\u1ed5i, nhi\u1ec1u n\u0103m g\u1ea7n \u0111\u00e2y v\u00e0 \u0111\u1ebfn 31-12-2020 v\u1eabn ch\u1ec9 c\u00f3 16 c\u00f4ng ty t\u00e0i ch\u00ednh<a href=\"applewebdata:\/\/10577EA6-732B-43F0-BC42-DB96CDB7A20B#_ftn1\" name=\"_ftnref1\">[1]<\/a>, trong \u0111\u00f3 nhi\u1ec1u kh\u00f4ng ty kh\u00f4ng cho vay ti\u00eau d\u00f9ng.<\/p>\n<p>2.4. Tuy ho\u1ea1t \u0111\u1ed9ng cho vay ti\u00eau d\u00f9ng n\u00f3i chung, cho vay ti\u00eau d\u00f9ng c\u1ee7a c\u00e1c t\u1ed5 ch\u1ee9c t\u00edn d\u1ee5ng n\u00f3i ri\u00eang ph\u00e1t tri\u1ec3n kh\u00e1 m\u1ea1nh trong 10 n\u0103m qua, nh\u01b0ng v\u1eabn ch\u01b0a \u0111\u00e1p \u1ee9ng \u0111\u01b0\u1ee3c nhu c\u1ea7u th\u1ef1c t\u1ebf. T\u00ecnh tr\u1ea1ng t\u00edn d\u1ee5ng \u0111en (cho vay b\u1ea5t h\u1ee3p ph\u00e1p, l\u00e3i su\u1ea5t b\u1ea5t h\u1ee3p ph\u00e1p v\u00e0 thu h\u1ed3i n\u1ee3 b\u1ea5t h\u1ee3p ph\u00e1p) kh\u00f4ng nh\u1eefng kh\u00f4ng suy gi\u1ea3m, m\u00e0 c\u00f2n gia t\u0103ng m\u1ed9t c\u00e1ch c\u00e0ng ng\u00e0y ng\u00e0y tr\u1ea7m tr\u1ecdng, v\u1edbi l\u00e3i su\u1ea5t th\u1ef1c t\u1ebf l\u00ean \u0111\u1ebfn h\u00e0ng tr\u0103m % m\u1ed7i n\u0103m.<\/p>\n<p><strong>3. Quy \u0111\u1ecbnh v\u1ec1 l\u00e3i su\u1ea5t cho vay:<\/strong><\/p>\n<p>3.1. Tr\u01b0\u1edbc n\u0103m 2017:<\/p>\n<ul>\n<li>L\u00e3i su\u1ea5t cho vay trong h\u1ea1n: Kh\u00f4ng qu\u00e1 150% l\u00e3i su\u1ea5t c\u01a1 b\u1ea3n, theo quy \u0111\u1ecbnh t\u1ea1i k<a name=\"_Toc326319940\"><\/a><a name=\"_Toc102331512\"><\/a><a name=\"_Toc103888353\"><\/a>ho\u1ea3n 1, \u0110i\u1ec1u 476 v\u1ec1 \u201cL\u00e3i su\u1ea5t\u201d, B\u1ed9 lu\u1eadt D\u00e2n s\u1ef1 n\u0103m 2005.<\/li>\n<\/ul>\n<p><em>=&gt; <\/em><em>L\u00e3i su\u1ea5t trong h\u1ea1n cao nh\u1ea5t trong th\u1eddi k\u1ef3 n\u00e0y l\u00e0 21%\/n\u0103m<\/em><em> v\u00e0o n\u0103m 2008<\/em><em>. Sau \u0111\u00f3 t\u1eeb<\/em><em> n\u0103m 2011 tr\u1edf \u0111i <\/em><em>kh\u00f4ng c\u00f3 c\u01a1 s\u1edf ph\u00e1p l\u00fd v\u00ec NHNN \u0111\u00e3<\/em> <em>kh\u00f4ng c\u00f2n c\u00f4ng b\u1ed1 l\u00e3i su\u1ea5t c\u01a1 b\u1ea3n;<\/em><\/p>\n<ul>\n<li>L\u00e3i su\u1ea5t qu\u00e1 h\u1ea1n: C\u1ed9ng th\u00eam l\u00e3i su\u1ea5t c\u01a1 b\u1ea3n, theo quy \u0111\u1ecbnh t\u1ea1i kho\u1ea3n 2, \u0110i\u1ec1u 305 v\u1ec1 \u201cTr\u00e1ch nhi\u1ec7m d\u00e2n s\u1ef1 do ch\u1eadm th\u1ef1c hi\u1ec7n ngh\u0129a v\u1ee5 d\u00e2n s\u1ef1\u201d, B\u1ed9 lu\u1eadt D\u00e2n s\u1ef1 n\u0103m 2005.<\/li>\n<\/ul>\n<p><em>L\u00e3i su\u1ea5t qu\u00e1 h\u1ea1n cao nh\u1ea5t trong th\u1eddi k\u1ef3 n\u00e0y l\u00e0 14%\/n\u0103m<\/em><em> v\u00e0o n\u0103m 2008, c\u00f2n l\u1ea1i<\/em><em> ph\u1ed5 bi\u1ebfn l\u00e0 <\/em><em>7<\/em><em> \u2013 9%<\/em><em>\/n\u0103m<\/em><em>.<\/em><\/p>\n<p>3.2. T\u1eeb n\u0103m 2017:<\/p>\n<ul>\n<li>L\u00e3i su\u1ea5t trong h\u1ea1n: Kh\u00f4ng qu\u00e1 20%\/n\u0103m, theo quy \u0111\u1ecbnh t\u1ea1i kho\u1ea3n 1, \u0110i\u1ec1u 468 v\u1ec1 \u201c<a name=\"_Toc388887616\"><\/a><a name=\"_Toc390239827\"><\/a><a name=\"_Toc390270654\"><\/a><a name=\"_Toc390271804\"><\/a><a name=\"_Toc392229729\"><\/a><a name=\"_Toc392700971\"><\/a><a name=\"_Toc392807381\"><\/a><a name=\"_Toc392835762\"><\/a><a name=\"_Toc399511165\"><\/a><a name=\"_Toc400030011\"><\/a><a name=\"_Toc407804616\"><\/a><a name=\"_Toc407989400\"><\/a>L\u00e3i su\u1ea5t\u201d, B\u1ed9 lu\u1eadt D\u00e2n s\u1ef1 n\u0103m 2015.<\/li>\n<li>L\u00e3i su\u1ea5t qu\u00e1 h\u1ea1n: C\u1ed9ng th\u00eam kh\u00f4ng qu\u00e1 10% theo quy \u0111\u1ecbnh t\u1ea1i kho\u1ea3n 2 \u0110i\u1ec1u 357 Tr\u00e1ch nhi\u1ec7m do ch\u1eadm th\u1ef1c hi\u1ec7n ngh\u0129a v\u1ee5 tr\u1ea3 ti\u1ec1n, B\u1ed9 lu\u1eadt D\u00e2n s\u1ef1 n\u0103m 2015.<\/li>\n<\/ul>\n<p>3.3. Cho vay v\u01b0\u1ee3t tr\u1ea7n l\u00e3i su\u1ea5t:<\/p>\n<ul>\n<li>\u0110\u1ed1i v\u1edbi c\u00e1c t\u1ed5 ch\u1ee9c t\u00edn d\u1ee5ng: Kh\u00f4ng b\u1ecb h\u1ea1n ch\u1ebf (\u0111\u01b0\u1ee3c gi\u1ea3i th\u00edch g\u01b0\u1ee3ng \u00e9p theo B\u1ed9 lu\u1eadt D\u00e2n s\u1ef1 n\u0103m 2015 v\u00e0 Lu\u1eadt C\u00e1c t\u1ed5 ch\u1ee9c t\u00edn d\u1ee5ng n\u0103m 2010, s\u1eeda \u0111\u1ed5i, b\u1ed5 sung n\u0103m 2017).<\/li>\n<li>\u0110\u1ed1i v\u1edbi b\u00ean ngo\u00e0i c\u00e1c t\u1ed5 ch\u1ee9c t\u00edn d\u1ee5ng:<\/li>\n<li>B\u1ecb x\u1eed ph\u1ea1t h\u00e0nh ch\u00ednh: Ph\u1ea1t ti\u1ec1n t\u1eeb 2 \u2013 5 tri\u1ec7u \u0111\u1ed3ng \u0111\u1ed1i v\u1edbi h\u00e0nh vi \u201c<em>Cho vay ti\u1ec1n c\u00f3 c\u1ea7m c\u1ed1 t\u00e0i s\u1ea3n, nh\u01b0ng l\u00e3i su\u1ea5t cho vay v\u01b0\u1ee3t qu\u00e1 150% l\u00e3i su\u1ea5t c\u01a1 b\u1ea3n do Ng\u00e2n h\u00e0ng nh\u00e0 n\u01b0\u1edbc Vi\u1ec7t Nam c\u00f4ng b\u1ed1 t\u1ea1i th\u1eddi \u0111i\u1ec3m cho vay<\/em>\u201d, theo quy \u0111\u1ecbnh t\u1ea1i \u0111i\u1ec3m d, kho\u1ea3n 2, \u0110i\u1ec1u 11 v\u1ec1 \u201cVi ph\u1ea1m c\u00e1c quy \u0111\u1ecbnh v\u1ec1 qu\u1ea3n l\u00fd ng\u00e0nh, ngh\u1ec1 kinh doanh c\u00f3 \u0111i\u1ec1u ki\u1ec7n v\u1ec1 an ninh, tr\u1eadt t\u1ef1\u201d, Ngh\u1ecb \u0111\u1ecbnh s\u1ed1 167\/2013\/N\u0110-CP ng\u00e0y 12-11-2013 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 an ninh, tr\u1eadt t\u1ef1, an to\u00e0n x\u00e3 h\u1ed9i; ph\u00f2ng ch\u1ed1ng t\u1ec7 n\u1ea1n x\u00e3 h\u1ed9i; ph\u00f2ng ch\u00e1y v\u00e0 ch\u1eefa ch\u00e1y; ph\u00f2ng ch\u1ed1ng b\u1ea1o l\u1ef1c gia \u0111\u00ecnh\u201d.<\/li>\n<\/ul>\n<p><em>=&gt; Nh\u01b0 v\u1eady n\u1ebfu theo \u0111\u00fang c\u00e2u ch\u1eef c\u1ee7a quy \u0111\u1ecbnh tr\u00ean th\u00ec kh\u00f4ng x\u1eed ph\u1ea1t h\u00e0nh ch\u00ednh \u0111\u01b0\u1ee3c, v\u00ec kh\u00f4ng c\u00f3 c\u01a1 s\u1edf ph\u00e1p l\u00fd do NHNN kh\u00f4ng c\u00f2n c\u00f4ng b\u1ed1 l\u00e3i su\u1ea5t c\u01a1 b\u1ea3n.<\/em><\/p>\n<ul>\n<li>B\u1ecb x\u1eed ph\u1ea1t h\u00ecnh s\u1ef1: Cho vay v\u1edbi l\u00e3i su\u1ea5t 100%\/n\u0103m tr\u1edf l\u00ean + (Thu l\u1ee3i t\u1eeb 30 tri\u1ec7u tr\u1edf l\u00ean ho\u1eb7c \u0110\u00e3 b\u1ecb x\u1eed ph\u1ea1t h\u00e0nh ch\u00ednh ho\u1eb7c \u0110\u00e3 b\u1ecb k\u1ebft \u00e1n v\u1ec1 t\u1ed9i n\u00e0y m\u00e0 ch\u01b0a \u0111\u01b0\u1ee3c x\u00f3a \u00e1n t\u00edch), theo quy \u0111\u1ecbnh t\u1ea1i \u0110i\u1ec1u 201 v\u1ec1 \u201cT\u1ed9i cho vay l\u00e3i n\u1eb7ng trong giao d\u1ecbch d\u00e2n s\u1ef1\u201d, B\u1ed9 lu\u1eadt H\u00ecnh s\u1ef1 n\u0103m 2015.<\/li>\n<li>T\u00f9y theo t\u00ednh ch\u1ea5t, m\u1ee9c \u0111\u1ed9 vi ph\u1ea1m c\u00f3 th\u1ec3 b\u1ecb ph\u1ea1t h\u00ecnh s\u1ef1 v\u1edbi m\u1ee9c ti\u1ec1n t\u1eeb 50 \u2013 200 tri\u1ec7u \u0111\u1ed3ng ho\u1eb7c ph\u1ea1t c\u1ea3i t\u1ea1o kh\u00f4ng giam gi\u1eef \u0111\u1ebfn 03 n\u0103m ho\u1eb7c ph\u1ea1t t\u00f9 t\u1eeb 06 th\u00e1ng \u0111\u1ebfn 03 n\u0103m.<\/li>\n<\/ul>\n<p><strong>4. Quy \u0111\u1ecbnh v\u1ec1 x\u1eed l\u00fd n\u1ee3:<\/strong><\/p>\n<p>4.1. Quy \u0111\u1ecbnh chung:<\/p>\n<ul>\n<li>C\u1ea5m d\u1ecbch v\u1ee5 \u0111\u00f2i n\u1ee3 (\u0111\u00f2i n\u1ee3 thu\u00ea) kh\u00f4ng ph\u1ea3i v\u00ec ch\u00ednh ho\u1ea1t \u0111\u1ed9ng n\u00e0y m\u00e0 v\u00ec s\u1ef1 l\u1ee3i d\u1ee5ng ph\u1ea1m ph\u00e1p, theo Lu\u1eadt \u0110\u1ea7u t\u01b0 n\u0103m 2020;<\/li>\n<li>Kh\u00f4ng c\u00f3 quy \u0111\u1ecbnh v\u1ec1 vi\u1ec7c \u0111\u00f2i n\u1ee3.<\/li>\n<\/ul>\n<p>4.2. Quy \u0111\u1ecbnh \u0111\u1ed1i v\u1edbi bi\u1ec7n ph\u00e1p \u0111\u00f4n \u0111\u1ed1c, thu h\u1ed3i n\u1ee3 cho vay ti\u00eau d\u00f9ng c\u1ee7a c\u00f4ng ty t\u00e0i ch\u00ednh<a href=\"applewebdata:\/\/10577EA6-732B-43F0-BC42-DB96CDB7A20B#_ftn2\" name=\"_ftnref2\">[2]<\/a>:<\/p>\n<ul>\n<li>Kh\u00f4ng bao g\u1ed3m bi\u1ec7n ph\u00e1p \u0111e d\u1ecda \u0111\u1ed1i v\u1edbi kh\u00e1ch h\u00e0ng;<\/li>\n<li>S\u1ed1 l\u1ea7n nh\u1eafc n\u1ee3 t\u1ed1i \u0111a 05 l\u1ea7n\/ng\u00e0y;<\/li>\n<li>Th\u1eddi gian nh\u1eafc n\u1ee3 do ph\u1ea3i trong kho\u1ea3ng th\u1eddi gian t\u1eeb 7 &#8211; 21 gi\u1edd;<\/li>\n<li>Kh\u00f4ng nh\u1eafc n\u1ee3, \u0111\u00f2i n\u1ee3, g\u1eedi th\u00f4ng tin v\u1ec1 vi\u1ec7c thu h\u1ed3i n\u1ee3 c\u1ee7a kh\u00e1ch h\u00e0ng \u0111\u1ed1i v\u1edbi t\u1ed5 ch\u1ee9c, c\u00e1 nh\u00e2n kh\u00f4ng c\u00f3 ngh\u0129a v\u1ee5 tr\u1ea3 n\u1ee3 cho c\u00f4ng ty t\u00e0i ch\u00ednh,<\/li>\n<li>B\u1ea3o m\u1eadt th\u00f4ng tin kh\u00e1ch h\u00e0ng theo quy \u0111\u1ecbnh c\u1ee7a ph\u00e1p lu\u1eadt.<\/li>\n<\/ul>\n<p>4.3. Quy \u0111\u1ecbnh v\u1ec1 x\u1eed l\u00fd t\u00e0i s\u1ea3n b\u1ea3o \u0111\u1ea3m:<\/p>\n<ul>\n<li>Theo quy \u0111\u1ecbnh c\u1ee7a B\u1ed9 lu\u1eadt D\u00e2n s\u1ef1 n\u0103m 2015 v\u00e0 Ngh\u1ecb \u0111\u1ecbnh s\u1ed1 21\/2021\/N\u0110-CP ng\u00e0y 19-3-2021 c\u1ee7a Ch\u00ednh ph\u1ee7 \u201cQuy \u0111\u1ecbnh thi h\u00e0nh B\u1ed9 lu\u1eadt D\u00e2n s\u1ef1 v\u1ec1 b\u1ea3o \u0111\u1ea3m th\u1ef1c hi\u1ec7n ngh\u0129a v\u1ee5\u201d (c\u00f3 hi\u1ec7u l\u1ef1c t\u1eeb ng\u00e0y 15-5-2021).<\/li>\n<li>Ri\u00eang \u0111\u1ed1i v\u1edbi v\u1edbi c\u00e1c t\u1ed5 ch\u1ee9c t\u00edn d\u1ee5ng: \u0110\u01b0\u1ee3c thu gi\u1eef t\u00e0i s\u1ea3n b\u1ea3o \u0111\u1ea3m theo quy \u0111\u1ecbnh t\u1ea1i Ngh\u1ecb quy\u1ebft s\u1ed1 42\/2017\/QH14 ng\u00e0y 21-6-2017 c\u1ee7a Qu\u1ed1c H\u1ed9i v\u1ec1 \u201cTh\u00ed \u0111i\u1ec3m x\u1eed l\u00fd n\u1ee3 x\u1ea5u. c\u1ee7a c\u00e1c t\u1ed5 ch\u1ee9c t\u00edn d\u1ee5ng\u201d.<\/li>\n<\/ul>\n<p><em>H\u00e0 N\u1ed9i 25-3-2021\u00a0\u00a0\u00a0\u00a0 <\/em><\/p>\n<p><em>(1.491\/1.491)<\/em><\/p>\n<p><em>&#8212;&#8212;&#8212;&#8212;&#8212;&#8212;&#8212;&#8212;&#8212;-<\/em><\/p>\n<p><strong><em>Lu\u1eadt s\u01b0 Tr\u01b0\u01a1ng Thanh \u0110\u1ee9c<\/em><\/strong><\/p>\n<p><em>Gi\u00e1m \u0111\u1ed1c <\/em><em>C\u00f4ng ty Lu\u1eadt <\/em><strong><em>ANVI<\/em><\/strong><\/p>\n<p><em>T\u1ea7ng 2, s\u1ed1 1 \u0110inh L\u1ec5, Tr\u00e0ng Ti\u1ec1n, Ho\u00e0n Ki\u1ebfm, H\u00e0 N\u1ed9i.<\/em><\/p>\n<p><em>E-mail: <\/em><a href=\"mailto:duc.tt@anvilaw.com\"><em>duc.tt@anvilaw.com<\/em><\/a><\/p>\n<p><em>FB: Tr\u01b0\u01a1ng Thanh \u0110\u1ee9c (d\u1ea5u <\/em><em>\uf0fc<\/em><em>)<\/em><\/p>\n<p><em>Web: www.anvilaw.com<\/em><\/p>\n<p><em>\u0110T: 090.345.9070<\/em><\/p>\n<p><a href=\"applewebdata:\/\/10577EA6-732B-43F0-BC42-DB96CDB7A20B#_ftnref1\" name=\"_ftn1\">[1]<\/a> <a href=\"https:\/\/www.sbv.gov.vn\/webcenter\/portal\/vi\/menu\/fm\/htctctd\/tctdpnh\/cttc?_afrLoop=18522764320646224#%40%3F_afrLoop%3D18522764320646224%26centerWidth%3D80%2525%26leftWidth%3D20%2525%26rightWidth%3D0%2525%26showFooter%3Dfalse%26showHeader%3Dfalse%26_adf.ctrl-state%3Dluj1chs36_90\">https:\/\/www.sbv.gov.vn\/webcenter\/portal\/vi\/menu\/fm\/htctctd\/tctdpnh\/cttc?_afrLoop=18522764320646224#%40%3F_afrLoop%3D18522764320646224%26centerWidth%3D80%2525%26leftWidth%3D20%2525%26rightWidth%3D0%2525%26showFooter%3Dfalse%26showHeader%3Dfalse%26_adf.ctrl-state%3Dluj1chs36_90<\/a><\/p>\n<p><a href=\"applewebdata:\/\/10577EA6-732B-43F0-BC42-DB96CDB7A20B#_ftnref2\" name=\"_ftn2\">[2]<\/a> \u00a0\u00a0\u00a0 \u0110i\u1ec3m \u0111, kho\u1ea3n2, \u0110i\u1ec1u 7 v\u1ec1 \u201cQuy \u0111\u1ecbnh n\u1ed9i b\u1ed9\u201d, Th\u00f4ng t\u01b0 s\u1ed1 43\/2016\/TT-NHNN ng\u00e0y 30-12-2016 c\u1ee7a Th\u1ed1ng NHNN \u201cQuy \u0111\u1ecbnh cho vay ti\u00eau d\u00f9ng c\u1ee7a c\u00f4ng ty t\u00e0i ch\u00ednh\u201d, \u0111\u00e3 \u0111\u01b0\u1ee3c s\u1eeda \u0111\u1ed5i, b\u1ed5 sung theo Th\u00f4ng t\u01b0 s\u1ed1 18\/2019\/TT-NHNN ng\u00e0y 04-11-2019.","protected":false},"excerpt":{"rendered":"<p>(ANVI) &#8211; Lu\u1eadt s\u01b0 Tr\u01b0\u01a1ng Thanh \u0110\u1ee9c, Gi\u00e1m \u0111\u1ed1c C\u00f4ng ty Lu\u1eadt ANVI, Tr\u1ecdng t\u00e0i vi\u00ean VIAC\u00a0 tr\u00ecnh b\u00e0y t\u1ea1i H\u1ed9i th\u1ea3o T\u00e0i ch\u00ednh ti\u00eau d\u00f9ng c\u1ee7a B\u00e1o \u0110\u1ea7u t\u01b0. \u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0 \u00a0 Trong 10 n\u0103m qua, t\u00e0i ch\u00ednh ti\u00eau d\u00f9ng ph\u00e1t tri\u1ec3n r\u1ea5t m\u1ea1nh, nh\u01b0ng h\u00e0nh lang ph\u00e1p l\u00fd th\u00ec kh\u00f4ng thay \u0111\u1ed5i nhi\u1ec1u, n\u00ean [&hellip;]<\/p>\n","protected":false},"author":2,"featured_media":2333,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":""},"categories":[18,26],"tags":[],"class_list":["post-2330","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-bao-chi-phong-van","category-legal-media"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.3 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>357. B\u00ecnh lu\u1eadn Ph\u00e1p l\u00fd T\u00e0i ch\u00ednh ti\u00eau d\u00f9ng giai \u0111o\u1ea1n 2010 - 2021 - 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\/357-binh-luan-phap-ly-tai-chinh-tieu-dung-giai-doan-2010-2021\/\" \/>\n<meta property=\"og:locale\" content=\"vi_VN\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"[:vi]357. 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