{"id":24178,"date":"2019-08-24T16:13:02","date_gmt":"2019-08-24T09:13:02","guid":{"rendered":"https:\/\/anvilaw.com\/vi\/?p=24178"},"modified":"2022-05-31T16:37:13","modified_gmt":"2022-05-31T09:37:13","slug":"2-325-can-chan-chinh-va-xu-ly-cac-ngan-hang-lach-luat-cho-vay-qua-the-tin-dung","status":"publish","type":"post","link":"https:\/\/anvilaw.com\/vi\/2-325-can-chan-chinh-va-xu-ly-cac-ngan-hang-lach-luat-cho-vay-qua-the-tin-dung\/","title":{"rendered":"2.325. C\u1ea7n ch\u1ea5n ch\u1ec9nh v\u00e0 x\u1eed l\u00fd c\u00e1c ng\u00e2n h\u00e0ng l\u00e1ch lu\u1eadt cho vay qua th\u1ebb t\u00edn d\u1ee5ng"},"content":{"rendered":"(PL) – Vi\u1ec7c m\u1ed9t s\u1ed1 ng\u00e2n h\u00e0ng cho vay qua th\u1ebb t\u00edn d\u1ee5ng m\u00e0 kh\u00f4ng c\u1ea7n ch\u1ee9ng minh n\u0103ng l\u1ef1c t\u00e0i ch\u00ednh cho th\u1ea5y ph\u00e1p lu\u1eadt \u0111i\u1ec1u ch\u1ec9nh v\u1ea5n \u0111\u1ec1 n\u00e0y c\u00f3 l\u1ed7 h\u1ed5ng. Do \u0111\u00f3, Ng\u00e2n h\u00e0ng Nh\u00e0 n\u01b0\u1edbc (NHNN) c\u1ea7n ti\u1ebfn h\u00e0nh r\u00e0 so\u00e1t, ki\u1ec3m tra ho\u1ea1t \u0111\u1ed9ng c\u1ee7a c\u00e1c ng\u00e2n h\u00e0ng th\u01b0\u01a1ng m\u1ea1i (NHTM ) li\u00ean quan \u0111\u1ebfn ho\u1ea1t \u0111\u1ed9ng cho vay qua th\u1ebb t\u00edn d\u1ee5ng \u0111\u1ec3 ch\u1ea5n ch\u1ec9nh v\u00e0 c\u00f3 c\u00e1c h\u00ecnh th\u1ee9c ph\u01b0\u01a1ng \u00e1n x\u1eed l\u00fd \u0111\u1ed1i v\u1edbi t\u1eebng t\u1ed5 ch\u1ee9c t\u00edn d\u1ee5ng vi ph\u1ea1m.<\/strong><\/p>\n
\"M\u1ed9t<\/em>
M\u1ed9t s\u1ed1 ng\u00e2n h\u00e0ng \u0111ang l\u00e1ch lu\u1eadt cho vay qua th\u1ebb t\u00edn d\u1ee5ng (\u1ea3nh minh h\u1ecda))<\/em><\/figcaption><\/figure>\n

Th\u1eddi gian qua, nhi\u1ec1u ch\u1ee7 th\u1ebb t\u00edn d\u1ee5ng \u0111\u01b0\u1ee3c nh\u00e2n vi\u00ean c\u1ee7a m\u1ed9t s\u1ed1 NHTM t\u01b0 v\u1ea5n cho vay ti\u00eau d\u00f9ng v\u1edbi l\u00e3i su\u1ea5t 1,69%\/th\u00e1ng (20,28%\/n\u0103m). Theo \u0111\u00f3, c\u00e1c ch\u1ee7 th\u1ebb t\u00edn d\u1ee5ng ch\u1ec9 c\u1ea7n \u0111\u1ec1 ngh\u1ecb ng\u00e2n h\u00e0ng chuy\u1ec3n ti\u1ec1n t\u1eeb th\u1ebb t\u00edn d\u1ee5ng \u0111\u1ebfn t\u00e0i kho\u1ea3n c\u00e1 nh\u00e2n \u0111\u1ee9ng t\u00ean m\u00ecnh ho\u1eb7c t\u00e0i kho\u1ea3n m\u1edf t\u1ea1i c\u00e1c NHTM kh\u00e1c, r\u1ed3i r\u00fat ti\u1ec1n m\u1eb7t \u0111\u1ec3 ti\u00eau d\u00f9ng. Khi \u0111\u00f3, ch\u1ee7 th\u1ebb c\u00f3 th\u1ec3 \u0111\u0103ng k\u00fd tr\u1ea3 g\u00f3p v\u1ed1n v\u00e0 l\u00e3i theo c\u00e1c k\u1ef3 h\u1ea1n 12, 15, 18, 21 v\u00e0 24 th\u00e1ng.<\/p>\n

\u0110\u01b0\u1ee3c bi\u1ebft, kh\u00f4ng ch\u1ec9 c\u00e1c ng\u00e2n h\u00e0ng trong n\u01b0\u1edbc m\u00e0 c\u00e1c ng\u00e2n h\u00e0ng n\u01b0\u1edbc ngo\u00e0i t\u1ea1i Vi\u1ec7t Nam c\u0169ng \u0111\u00e3 tri\u1ec3n khai ch\u01b0\u01a1ng tr\u00ecnh vay ti\u1ec1n t\u1eeb th\u1ebb t\u00edn d\u1ee5ng v\u1edbi m\u1ee9c l\u00e3i su\u1ea5t dao \u0111\u1ed9ng tr\u00ean d\u01b0\u1edbi 2%\/th\u00e1ng.<\/p>\n

Cho vay qua th\u1ebb t\u00edn d\u1ee5ng l\u00e0 kh\u00f4ng \u0111\u00fang quy \u0111\u1ecbnh hi\u1ec7n h\u00e0nh?<\/strong><\/p>\n

Theo \u00f4ng Nguy\u1ec5n Qu\u1ed1c H\u00f9ng, V\u1ee5 tr\u01b0\u1edfng V\u1ee5 T\u00edn d\u1ee5ng c\u00e1c ng\u00e0nh kinh t\u1ebf NHNN, vi\u1ec7c c\u00e1c ng\u00e2n h\u00e0ng th\u01b0\u01a1ng m\u1ea1i chuy\u1ec3n ti\u1ec1n t\u1eeb th\u1ebb t\u00edn d\u1ee5ng v\u00e0o t\u00e0i kho\u1ea3n c\u00e1 nh\u00e2n l\u00e0 kh\u00f4ng \u0111\u00fang v\u1edbi quy \u0111\u1ecbnh hi\u1ec7n h\u00e0nh. B\u1edfi v\u1ec1 nguy\u00ean t\u1eafc, th\u1ebb t\u00edn d\u1ee5ng ch\u1ec9 \u0111\u01b0\u1ee3c s\u1eed d\u1ee5ng \u0111\u1ec3 thanh to\u00e1n ho\u1eb7c r\u00fat ti\u1ec1n t\u1ea1i m\u00e1y ATM. Tuy nhi\u00ean, vi\u1ec7c r\u00fat ti\u1ec1n m\u1eb7t kh\u00f4ng \u0111\u01b0\u1ee3c khuy\u1ebfn kh\u00edch.<\/p>\n

D\u01b0\u1edbi g\u00f3c nh\u00ecn kinh t\u1ebf, PGS – TS.\u0110inh Tr\u1ecdng Th\u1ecbnh (H\u1ecdc vi\u1ec7n T\u00e0i ch\u00ednh) cho hay, vay theo th\u1ebb t\u00edn d\u1ee5ng l\u00e0 m\u1ed9t h\u00ecnh th\u1ee9c vay ph\u1ed5 bi\u1ebfn tr\u00ean th\u1ebf gi\u1edbi. Tuy nhi\u00ean, t\u1ea1i Vi\u1ec7t Nam, h\u00ecnh th\u1ee9c vay theo th\u1ebb t\u00edn d\u1ee5ng t\u01b0\u01a1ng \u0111\u1ed1i m\u1edbi v\u00e0 vi\u1ec7c qu\u1ea3n l\u00fd v\u00e0 cho vay theo th\u1ebb t\u00edn d\u1ee5ng \u0111ang c\u00f3 nhi\u1ec1u v\u1ea5n \u0111\u1ec1, ch\u01b0a \u0111i v\u00e0o n\u1ec1 n\u1ebfp.<\/p>\n

\u1ede c\u00e1c qu\u1ed1c gia kh\u00e1c tr\u00ean th\u1ebf gi\u1edbi, vi\u1ec7c cho vay theo th\u1ebb t\u00edn d\u1ee5ng c\u0169ng \u0111\u1ec1u l\u00e0m vi\u1ec7c ch\u1ea5m \u0111i\u1ec3m tr\u00ean th\u1ebb t\u00edn d\u1ee5ng \u0111\u1ec3 x\u00e1c \u0111\u1ecbnh ng\u01b0\u1eddi vay c\u00f3 h\u1ea1n m\u1ee9c vay bao nhi\u00eau, th\u1eddi h\u1ea1n vay v\u00e0 y\u00eau c\u1ea7u l\u00e3i su\u1ea5t l\u00e0 bao nhi\u00eau.<\/p>\n

Nh\u01b0 v\u1eady, h\u00ecnh th\u1ee9c vay qua th\u1ebb t\u00edn d\u1ee5ng ph\u1ea3i d\u1ef1a tr\u00ean nhi\u1ec1u y\u1ebfu t\u1ed1. C\u00e1c ng\u00e2n h\u00e0ng \u0111\u1ec1u c\u00f3 nh\u00f3m ch\u1ea5m \u0111i\u1ec3m kh\u00e1c nhau (th\u01b0\u1eddng chia l\u00e0m 5 nh\u00f3m) \u0111\u1ec3 ch\u1ea5m \u0111i\u1ec3m ng\u01b0\u1eddi l\u00e0m th\u1ebb t\u00edn d\u1ee5ng, trong \u0111\u00f3 c\u00f3 c\u1ea3 l\u1ecbch s\u1eed thanh to\u00e1n, ngu\u1ed3n thu nh\u1eadp, y\u00eau c\u1ea7u v\u1ec1 m\u1ee9c \u0111\u1ed9 qu\u00e1 h\u1ea1n\/b\u1ecb t\u1eeb ch\u1ed1i th\u00f4ng qua thanh to\u00e1n b\u1eb1ng th\u1ebb ho\u1eb7c thanh to\u00e1n kh\u00f4ng b\u1eb1ng ti\u1ec1n m\u1eb7t kh\u00e1c,\u2026 c\u1ee7a c\u00e1 nh\u00e2n \u0111\u00f3. C\u0103n c\u1ee9 v\u00e0o \u0111\u00f3, ng\u00e2n h\u00e0ng s\u1ebd xem x\u00e9t th\u1eddi gian bao nhi\u00eau \u0111\u1ec3 ng\u01b0\u1eddi vay kh\u00f4ng b\u1ecb t\u00ednh l\u00e3i ho\u1eb7c l\u00e3i su\u1ea5t th\u1ea5p,\u2026.<\/p>\n

Tuy nhi\u00ean, \u00f4ng Th\u1ecbnh \u0111\u01b0a ra th\u1ef1c tr\u1ea1ng \u1edf Vi\u1ec7t Nam, vi\u1ec7c m\u1edf th\u1ebb t\u00edn d\u1ee5ng \u0111ang l\u1ecfng l\u1ebbo, th\u1eadm ch\u00ed m\u1edf m\u1ed9t c\u00e1ch \u1ed3 \u1ea1t. \u201cVi\u1ec7c m\u1edf th\u1ebb t\u00edn d\u1ee5ng v\u1eabn \u0111\u01b0\u1ee3c xem x\u00e9t d\u1ef1a tr\u00ean m\u1ee9c thu nh\u1eadp, t\u00e0i s\u1ea3n,\u2026 song v\u00ec l\u00fd do c\u1ea1nh tranh khi cho vay theo th\u1ebb, vi\u1ec7c ng\u00e2n h\u00e0ng x\u00e1c \u0111\u1ecbnh ng\u01b0\u1eddi \u0111\u00f3 \u0111\u01b0\u1ee3c cho vay bao nhi\u00eau, trong th\u1eddi h\u1ea1n nh\u01b0 th\u1ebf n\u00e0o, l\u00e3i su\u1ea5t ra sao\u2026 l\u1ea1i tr\u1edf th\u00e0nh v\u1ea5n \u0111\u1ec1 kh\u00f4ng ch\u00ednh x\u00e1c\u201d, \u00f4ng Th\u1ecbnh th\u00f4ng tin.<\/p>\n

Th\u00eam v\u00e0o \u0111\u00f3, h\u00ecnh th\u1ee9c vay theo th\u1ebb t\u00edn d\u1ee5ng c\u00f3 l\u00e3i su\u1ea5t cho vay t\u01b0\u01a1ng \u0111\u1ed1i cao do ng\u00e2n h\u00e0ng \u0111\u00e3 t\u00ednh r\u1ee7i ro m\u1ea5t v\u1ed1n ho\u1eb7c r\u1ee7i ro t\u00edn d\u1ee5ng trong m\u1ee9c l\u00e3i su\u1ea5t \u0111\u00f3. Vi\u1ec7c cho vay kh\u00f4ng \u0111\u00fang v\u1edbi quy \u0111\u1ecbnh c\u1ee7a m\u1ed9t s\u1ed1 ng\u00e2n h\u00e0ng \u0111ang \u0111i ng\u01b0\u1ee3c v\u1edbi quy \u0111\u1ecbnh c\u1ee7a Ng\u00e2n h\u00e0ng Nh\u00e0 n\u01b0\u1edbc.<\/p>\n

Nh\u01b0 v\u1eady, c\u00e1c ng\u00e2n h\u00e0ng ph\u00e1t h\u00e0nh th\u1ebb kh\u00f4ng \u0111\u00fang quy \u0111\u1ecbnh s\u1ebd \u0111\u1ed1i di\u1ec7n v\u1edbi nhi\u1ec1u r\u1ee7i ro l\u1edbn, m\u1eb7c d\u00f9 c\u00f3 th\u1ec3 t\u00ednh l\u00e3i su\u1ea5t t\u01b0\u01a1ng \u0111\u1ed1i cao v\u00e0 c\u00e1c y\u1ebfu t\u1ed1 kh\u00e1c v\u1edbi ng\u01b0\u1eddi vay \u0111\u1ec3 t\u00ednh v\u00e0 c\u00e1c y\u1ebfu t\u1ed1 kh\u00e1c \u0111\u1ed1i v\u1edbi ng\u01b0\u1eddi vay \u0111\u1ec3 t\u00ednh v\u00e0o vi\u1ec7c gi\u1ea3m thi\u1ec3u ho\u1eb7c b\u00f9 tr\u1eeb r\u1ee7i ro cho kho\u1ea3n t\u00edn d\u1ee5ng m\u00e0 h\u1ecd c\u1ea5p, PGS \u2013 TS Th\u1ecbnh n\u00f3i.<\/p>\n

\u1ede m\u1ed9t g\u00f3c nh\u00ecn kh\u00e1c, Lu\u1eadt s\u01b0 Tr\u1ea7n Minh H\u00f9ng (\u0110o\u00e0n Lu\u1eadt s\u01b0 TP. HCM) cho r\u1eb1ng, hi\u1ec7n nay, c\u00e1c ng\u00e2n h\u00e0ng cho ph\u00e9p ch\u1ee7 th\u1ebb t\u00edn d\u1ee5ng \u0111\u01b0\u1ee3c ph\u00e9p chuy\u1ec3n ti\u1ec1n t\u1eeb th\u1ebb t\u00edn d\u1ee5ng \u0111\u1ebfn t\u00e0i kho\u1ea3n c\u00e1 nh\u00e2n th\u00f4ng th\u01b0\u1eddng t\u1ea1i ng\u00e2n h\u00e0ng m\u1edf th\u1ebb t\u00edn d\u1ee5ng, ho\u1eb7c t\u00e0i kho\u1ea3n m\u1edf t\u1ea1i c\u00e1c ng\u00e2n h\u00e0ng kh\u00e1c v\u1edbi l\u00e3i su\u1ea5t “\u01b0u \u0111\u00e3i” kh\u00f4ng ph\u1ea3i ch\u1ecbu l\u00e3i su\u1ea5t v\u00e0 ph\u00ed cao khi r\u00fat ti\u1ec1n t\u1eeb m\u00e1y ATM (r\u00fat ti\u1ec1n t\u1eeb th\u1ebb t\u00edn d\u1ee5ng ph\u1ea3i ch\u1ecbu l\u00e3i su\u1ea5t 18% tr\u1edf l\u00ean\/n\u0103m c\u1ed9ng v\u1edbi ph\u00ed 4,4% ph\u00ed r\u00fat ti\u1ec1n). Theo \u0111\u00f3, ch\u1ee7 th\u1ebb ch\u1ec9 c\u1ea7n li\u00ean h\u1ec7 v\u1edbi t\u1ed5ng \u0111\u00e0i c\u1ee7a ng\u00e2n h\u00e0ng y\u00eau c\u1ea7u chuy\u1ec3n ti\u1ec1n t\u1eeb th\u1ebb t\u00edn d\u1ee5ng \u0111\u1ebfn t\u00e0i kho\u1ea3n c\u00e1 nh\u00e2n \u0111\u1ee9ng t\u00ean m\u00ecnh ho\u1eb7c t\u00e0i kho\u1ea3n m\u1edf t\u1ea1i ng\u00e2n h\u00e0ng kh\u00e1c, r\u1ed3i r\u00fat ti\u1ec1n m\u1eb7t \u0111\u1ec3 ti\u00eau d\u00f9ng.<\/p>\n

Khi \u0111\u00f3, ch\u1ee7 th\u1ebb c\u00f3 th\u1ec3 \u0111\u0103ng k\u00fd tr\u1ea3 g\u00f3p v\u1ed1n v\u00e0 l\u00e3i theo c\u00e1c k\u1ef3 h\u1ea1n 12, 15, 18, 21 v\u00e0 24 th\u00e1ng, l\u00e3i su\u1ea5t 1,69%\/th\u00e1ng (g\u1ea7n 20,3%\/n\u0103m), th\u1ea5p h\u01a1n nhi\u1ec1u so v\u1edbi vay n\u00f3ng b\u00ean ngo\u00e0i ho\u1eb7c t\u1eeb c\u00e1c c\u00f4ng ty t\u00e0i ch\u00ednh ti\u00eau d\u00f9ng.<\/p>\n

Ng\u00e2n h\u00e0ng sai ph\u1ea1m ch\u1ec9 b\u1ecb x\u1eed ph\u1ea1t vi ph\u1ea1m h\u00e0nh ch\u00ednh?<\/strong><\/p>\n

Nh\u1eadn \u0111\u1ecbnh r\u1ee7i ro l\u1edbn c\u1ee7a c\u00e1c ng\u00e2n h\u00e0ng cho vay theo th\u1ebb t\u00edn d\u1ee5ng l\u00e0 m\u1ea5t v\u1ed1n, \u00f4ng \u0110inh Tr\u1ecdng Th\u1ecbnh cho hay, x\u00e9t c\u00e1c y\u1ebfu t\u1ed1 vay n\u1ee3 v\u00e0 cho vay trong n\u1ec1n kinh t\u1ebf, r\u00f5 r\u00e0ng c\u00e1c kho\u1ea3n vay n\u00eau tr\u00ean s\u1ebd t\u00e1c \u0111\u1ed9ng \u0111\u1ebfn ngu\u1ed3n v\u1ed1n v\u00e0 t\u00ednh c\u1ea1nh tranh trong cho vay c\u1ee7a n\u1ec1n kinh t\u1ebf. \u0110i\u1ec1u n\u00e0y c\u0169ng d\u1ec5 l\u00e0m b\u00f9ng ph\u00e1t c\u1ea1nh tranh cho vay kh\u00f4ng l\u00e0nh m\u1ea1nh v\u00e0 c\u00f3 th\u1ec3 g\u00e2y t\u1ed5n h\u1ea1i \u0111\u1ed1i v\u1edbi h\u1ec7 th\u1ed1ng t\u00edn d\u1ee5ng.<\/p>\n

D\u01b0\u1edbi g\u00f3c nh\u00ecn ph\u00e1p l\u00fd, Lu\u1eadt s\u01b0 Tr\u1ea7n Minh H\u00f9ng cho bi\u1ebft, Ng\u00e2n h\u00e0ng c\u00f3 th\u1ec3 b\u1ecb x\u1eed l\u00fd ph\u1ea1t h\u00e0nh ch\u00ednh s\u1ed1 ti\u1ec1n t\u1eeb 150.000.000 \u0111\u1ed3ng \u0111\u1ebfn 200.000.000 \u0111\u1ed3ng c\u0103n c\u1ee9 theo \u0110i\u1ec1u 15 Ngh\u1ecb \u0111\u1ecbnh 96\/2014 quy \u0111\u1ecbnh x\u1eed ph\u1ea1t vi ph\u1ea1m h\u00e0nh ch\u00ednh trong l\u0129nh v\u1ef1c ti\u1ec1n t\u1ec7 v\u00e0 ng\u00e2n h\u00e0ng. Ho\u1eb7c, ph\u1ea1t ti\u1ec1n t\u1eeb 150.000.000 \u0111\u1ed3ng \u0111\u1ebfn 200.000.000 \u0111\u1ed3ng \u0111\u1ed1i v\u1edbi h\u00e0nh vi vi ph\u1ea1m c\u1ea5p t\u00edn d\u1ee5ng d\u01b0\u1edbi h\u00ecnh th\u1ee9c kh\u00e1c khi ch\u01b0a \u0111\u01b0\u1ee3c NHNN ch\u1ea5p thu\u1eadn.<\/p>\n

\"Lu\u1eadt<\/em>
Lu\u1eadt s\u01b0 Tr\u1ea7n Minh H\u00f9ng (\u0110o\u00e0n Lu\u1eadt s\u01b0 TP H\u1ed3 Ch\u00ed Minh))<\/em><\/figcaption><\/figure>\n

B\u00e0n v\u1ec1 k\u1ebd h\u1edf c\u1ee7a h\u00ecnh th\u1ee9c vay theo th\u1ebb t\u00edn d\u1ee5ng, \u00f4ng \u0110inh Tr\u1ecdng Th\u1ecbnh nh\u1eadn \u0111\u1ecbnh, vi\u1ec7c cho vay theo th\u1ebb v\u00e0 x\u1eed l\u00fd th\u1ebb thu\u1ed9c th\u1ea9m quy\u1ec1n c\u1ee7a c\u00e1c doanh nghi\u1ec7p cho vay. Do v\u1eady, r\u1ee7i ro l\u1edbn nh\u1ea5t n\u1eb1m \u1edf ph\u00eda ng\u00e2n h\u00e0ng.<\/p>\n

\u201cTrong khi \u0111\u00f3, theo Lu\u1eadt Doanh nghi\u1ec7p, ng\u00e2n h\u00e0ng l\u00e0 doanh nghi\u1ec7p \u0111\u1eb7c bi\u1ec7t kinh doanh trong l\u0129nh v\u1ef1c ti\u1ec1n t\u1ec7 n\u00ean ph\u1ea3i c\u00f3 qu\u00e1 tr\u00ecnh ph\u00e1t sinh ph\u00e1t tri\u1ec3n v\u00e0 c\u00f3 c\u1ea3 vi\u1ec7c v\u1ee1 n\u1ee3, ph\u00e1 s\u1ea3n,\u2026 theo \u0111\u00fang lu\u1eadt \u0111\u1ecbnh. C\u00f3 l\u1ebd \u0111\u00e2y l\u00e0 l\u1ed7 h\u1ed5ng l\u1edbn nh\u1ea5t\u201d, \u00f4ng Th\u1ecbnh ph\u00e2n t\u00edch.
\nNg\u01b0\u1ee3c l\u1ea1i, Lu\u1eadt s\u01b0 Tr\u1ea7n Minh H\u00f9ng l\u1ea1i cho r\u1eb1ng, hi\u1ec7n nay ch\u01b0a c\u00f3 quy \u0111\u1ecbnh n\u00e0o c\u1ee5 th\u1ec3 c\u1ea5m c\u00e1c ng\u00e2n h\u00e0ng cho ph\u00e9p chuy\u1ec3n ti\u1ec1n t\u1eeb th\u1ebb t\u00edn d\u1ee5ng sang m\u1ed9t t\u00e0i kho\u1ea3n kh\u00e1c.<\/p>\n

Th\u00f4ng th\u01b0\u1eddng vi\u1ec7c n\u00e0y do c\u00e1c ng\u00e2n h\u00e0ng t\u1ef1 quy \u0111\u1ecbnh \u0111\u1ec3 ki\u1ec3m tra m\u1ee5c \u0111\u00edch vay c\u1ee7a ng\u01b0\u1eddi vay, \u0111\u00e2y l\u00e0 c\u01a1 s\u1edf \u0111\u1ec3 ng\u00e2n h\u00e0ng l\u1ee3i d\u1ee5ng \u0111\u1ec3 cho vay. Tuy nhi\u00ean, h\u00ecnh th\u1ee9c n\u00e0y kh\u00f4ng ph\u00f9 h\u1ee3p v\u1edbi ch\u1ee7 tr\u01b0\u01a1ng thanh to\u00e1n kh\u00f4ng d\u00f9ng ti\u1ec1n m\u1eb7t c\u1ee7a Ch\u00ednh ph\u1ee7.<\/p>\n

C\u1ea7n ho\u00e0n thi\u1ec7n h\u00e0nh lang ph\u00e1p l\u00fd \u0111\u1ec3 tr\u00e1nh c\u00e1c NHTM l\u00e1ch lu\u1eadt<\/strong><\/p>\n

Th\u1ef1c tr\u1ea1ng m\u1ed9t s\u1ed1 ng\u00e2n h\u00e0ng th\u01b0\u01a1ng m\u1ea1i l\u00e1ch lu\u1eadt cho vay qua th\u1ebb t\u00edn d\u1ee5ng, m\u1eddi g\u1ecdi ng\u01b0\u1eddi d\u00e2n m\u1edf th\u1ebb t\u00edn d\u1ee5ng, ph\u00ea duy\u1ec7t h\u1ea1n m\u1ee9c cho vay r\u1ed3i chuy\u1ec3n h\u1ea1n m\u1ee9c \u0111\u00f3 v\u00e0o t\u00e0i kho\u1ea3n c\u00e1 nh\u00e2n thay th\u1ebf cho vi\u1ec7c ph\u00ea duy\u1ec7t m\u1ed9t kho\u1ea3n vay th\u00f4ng th\u01b0\u1eddng, \u00f4ng Nguy\u1ec5n Qu\u1ed1c H\u00f9ng nh\u1eadn \u0111\u1ecbnh \u0111i\u1ec1u n\u00e0y l\u00e0m \u1ea3nh h\u01b0\u1edfng t\u1edbi th\u1ecb tr\u01b0\u1eddng, kh\u00f4ng ph\u00f9 h\u1ee3p v\u1edbi ch\u1ee7 tr\u01b0\u01a1ng thanh to\u00e1n kh\u00f4ng d\u00f9ng ti\u1ec1n m\u1eb7t c\u1ee7a Ch\u00ednh ph\u1ee7.<\/p>\n

\u201cDo v\u1eady, NHNN s\u1ebd ki\u1ec3m tra v\u00e0 c\u00f3 ph\u01b0\u01a1ng \u00e1n th\u00edch h\u1ee3p x\u1eed l\u00fd \u0111\u1ed1i v\u1edbi t\u1eebng t\u1ed5 ch\u1ee9c t\u00edn d\u1ee5ng vi ph\u1ea1m\u201d, \u00f4ng H\u00f9ng kh\u1eb3ng \u0111\u1ecbnh.<\/p>\n

\u0110\u1ec3 kh\u1eafc ph\u1ee5c nh\u1eefng r\u1ee7i ro t\u1eeb h\u00ecnh th\u1ee9c vay theo th\u1ebb t\u00edn d\u1ee5ng, \u00f4ng \u0110inh Tr\u1ecdng Th\u1ecbnh \u0111\u1ec1 xu\u1ea5t c\u00e1c quy \u0111\u1ecbnh v\u1ec1 ph\u00e1t h\u00e0nh th\u1ebb, cho vay theo th\u1ebb, \u0111\u1ed9 b\u1ea3o m\u1eadt khi cho vay qua th\u1ebb,\u2026 t\u1eeb c\u00e1c ng\u00e2n h\u00e0ng c\u1ea7n ph\u1ea3i ti\u1ebfp t\u1ee5c ho\u00e0n thi\u1ec7n. Ph\u00eda doanh nghi\u1ec7p ph\u00e1t h\u00e0nh th\u1ebb c\u0169ng c\u1ea7n c\u00f3 nh\u1eefng quy \u0111\u1ecbnh b\u1eaft bu\u1ed9c \u0111\u0103ng k\u00fd m\u1edf th\u1ebb. \u0110\u00e2y s\u1ebd l\u00e0 c\u01a1 s\u1edf \u0111\u1ec3 c\u01a1 quan qu\u1ea3n l\u00fd c\u00f3 c\u0103n c\u1ee9 gi\u00e1m s\u00e1t \u0111\u1ebfn vi\u1ec7c m\u1edf th\u1ebb, tr\u00e1nh v\u00f4 t\u1ed9i v\u1ea1.<\/p>\n

\u00d4ng Th\u1ecbnh c\u0169ng nh\u1ea5n m\u1ea1nh, vi\u1ec7c xem x\u00e9t m\u1ee9c vay v\u00e0 ki\u1ec3m tra, gi\u00e1m s\u00e1t ho\u1ea1t \u0111\u1ed9ng cho vay c\u1ee7a t\u1eebng ng\u00e2n h\u00e0ng. N\u1ebfu c\u00f3 m\u1ee9c vay qu\u00e1 l\u1edbn, kh\u00f4ng \u0111\u1ee7 c\u01a1 s\u1edf \u0111\u1ea3m b\u1ea3o cho c\u00e1c kho\u1ea3n vay th\u00ec ph\u00eda nh\u00e0 qu\u1ea3n l\u00fd c\u1ea7n ph\u1ea3i \u0111\u01b0a ra c\u1ea3nh b\u00e1o. \u0110\u1ed3ng th\u1eddi, ph\u1ea3i c\u00f3 c\u01a1 ch\u1ebf qu\u1ea3n l\u00fd nghi\u00eam kh\u1eafc \u0111\u1ec3 b\u1ea3o v\u1ec7 c\u1ea3 h\u1ec7 th\u1ed1ng t\u00edn d\u1ee5ng; ph\u00e1p lu\u1eadt ph\u1ea3i ho\u00e0n thi\u1ec7n c\u00e1c quy \u0111\u1ecbnh trong c\u01a1 ch\u1ebf ph\u00e1t h\u00e0nh th\u1ebb c\u0169ng nh\u01b0 cho vay theo th\u1ebb s\u1ebd l\u00e0 bi\u1ec7n ph\u00e1p t\u1ed1t nh\u1ea5t \u0111\u1ec3 ng\u0103n ch\u1eb7n vi\u1ec7c c\u00e1c ng\u00e2n h\u00e0ng l\u00e1ch lu\u1eadt. V\u00ec th\u1ebf, c\u00e1c c\u01a1 quan qu\u1ea3n l\u00fd ph\u1ea3i c\u00f3 tr\u00e1ch nhi\u1ec7m ki\u1ec3m tra, gi\u00e1m s\u00e1t vi\u1ec7c c\u1ea5p th\u1ebb t\u00edn d\u1ee5ng kh\u00f4ng \u0111\u00fang ho\u1eb7c cho vay kh\u00f4ng \u0111\u00fang v\u1edbi y\u00eau c\u1ea7u. Tuy nhi\u00ean, doanh nghi\u1ec7p ho\u1eb7c ng\u01b0\u1eddi ph\u00e1t h\u00e0nh th\u1ebb s\u1ebd ph\u1ea3i ch\u1ecbu tr\u00e1ch nhi\u1ec7m l\u1edbn nh\u1ea5t cho kho\u1ea3n vay c\u1ee7a m\u00ecnh, ch\u1ecbu l\u1ed7 v\u1ed1n theo kinh t\u1ebf th\u1ecb tr\u01b0\u1eddng.<\/p>\n

\u0110\u1ed3ng quan \u0111i\u1ec3m, Lu\u1eadt s\u01b0 Tr\u1ea7n Minh H\u00f9ng c\u0169ng cho r\u1eb1ng, NHNN c\u1ea7n ti\u1ebfn h\u00e0nh r\u00e0 so\u00e1t, ki\u1ec3m tra ho\u1ea1t \u0111\u1ed9ng c\u1ee7a c\u00e1c NHTM li\u00ean quan \u0111\u1ebfn th\u1ebb t\u00edn d\u1ee5ng, \u0111\u1ec3 ch\u1ea5n ch\u1ec9nh h\u00ecnh th\u1ee9c cho vay n\u00e0y v\u00e0 c\u00f3 c\u00e1c h\u00ecnh th\u1ee9c ph\u01b0\u01a1ng \u00e1n x\u1eed l\u00fd \u0111\u1ed1i v\u1edbi t\u1eebng t\u1ed5 ch\u1ee9c t\u00edn d\u1ee5ng vi ph\u1ea1m.<\/p>\n

Theo Lu\u1eadt s\u01b0 Tr\u01b0\u01a1ng Thanh \u0110\u1ee9c, Gi\u00e1m \u0111\u1ed1c C\u00f4ng ty Lu\u1eadt ANVI<\/span>, s\u1edf d\u0129 m\u1ed9t s\u1ed1 NHTM cho vay ti\u00eau d\u00f9ng qua th\u1ebb t\u00edn d\u1ee5ng l\u00e0 do c\u00e1c ng\u00e2n h\u00e0ng n\u00e0y c\u00f3 th\u1ecb ph\u1ea7n th\u1ebb th\u1ea5p. \u0110\u1ec3 c\u1ea1nh tranh th\u1ecb ph\u1ea7n th\u1ebb v\u1edbi c\u00e1c \u00f4ng l\u1edbn, c\u00e1c ng\u00e2n h\u00e0ng n\u00e0y tri\u1ec3n khai ch\u01b0\u01a1ng tr\u00ecnh h\u1ed7 tr\u1ee3 kh\u00e1ch h\u00e0ng vay ti\u1ec1n t\u1eeb th\u1ebb t\u00edn d\u1ee5ng v\u1edbi l\u00e3i su\u1ea5t “\u01b0u \u0111\u00e3i”, kh\u00f4ng ph\u1ea3i ch\u1ecbu l\u00e3i su\u1ea5t v\u00e0 ph\u00ed cao ng\u1ea5t ng\u01b0\u1edfng khi r\u00fat ti\u1ec1n t\u1eeb m\u00e1y ATM (th\u00f4ng th\u01b0\u1eddng, r\u00fat ti\u1ec1n t\u1eeb th\u1ebb t\u00edn d\u1ee5ng ph\u1ea3i ch\u1ecbu l\u00e3i su\u1ea5t 47,88%\/n\u0103m c\u1ed9ng v\u1edbi ph\u00ed 4,4%). Vi\u1ec7c c\u00e1c ng\u00e2n h\u00e0ng l\u1ee3i d\u1ee5ng cho vay qua th\u1ebb cho th\u1ea5y, b\u1ea3n th\u00e2n c\u00e1c ng\u00e2n h\u00e0ng n\u00e0y \u0111ang c\u1ea1nh tranh tr\u1ef1c ti\u1ebfp v\u1edbi c\u00e1c c\u00f4ng ty cho vay ti\u00eau d\u00f9ng m\u00e0 kh\u00f4ng c\u1ea7n ch\u1ee9ng minh n\u0103ng l\u1ef1c t\u00e0i ch\u00ednh. B\u1edfi theo quy \u0111\u1ecbnh, ng\u01b0\u1eddi c\u00f3 nhu c\u1ea7u vay ti\u00eau d\u00f9ng t\u00edn ch\u1ea5p th\u01b0\u1eddng ph\u1ea3i ch\u1ee9ng minh vi\u1ec7c l\u00e0m, thu nh\u1eadp \u1ed5n \u0111\u1ecbnh, n\u0103ng l\u1ef1c t\u00e0i ch\u00ednh tr\u1ea3 g\u00f3p h\u1eb1ng th\u00e1ng\u2026 m\u1edbi \u0111\u01b0\u1ee3c c\u00e1c t\u1ed5 ch\u1ee9c t\u00e0i ch\u00ednh ti\u00eau d\u00f9ng ho\u1eb7c ng\u00e2n h\u00e0ng ch\u1ea5p nh\u1eadn cho vay.<\/p><\/blockquote>\n

Vi\u1ec7t Nguy\u1ec5n<\/strong><\/p>\n

——————<\/p>\n

T\u1ea1p ch\u00ed Ph\u00e1p l\u00fd <\/em><\/strong>(Kinh doanh) 24-8-2019:<\/em><\/strong><\/p>\n

http:\/\/phaply.net.vn\/can-chan-chinh-va-xu-ly-cac-ngan-hang-lach-luat-cho-vay-qua-the-tin-dung\/<\/em><\/a><\/p>\n

(187\/1.967)<\/em>","protected":false},"excerpt":{"rendered":"

(PL) – Vi\u1ec7c m\u1ed9t s\u1ed1 ng\u00e2n h\u00e0ng cho vay qua th\u1ebb t\u00edn d\u1ee5ng m\u00e0 kh\u00f4ng c\u1ea7n ch\u1ee9ng minh n\u0103ng l\u1ef1c t\u00e0i ch\u00ednh cho th\u1ea5y ph\u00e1p lu\u1eadt \u0111i\u1ec1u ch\u1ec9nh v\u1ea5n \u0111\u1ec1 n\u00e0y c\u00f3 l\u1ed7 h\u1ed5ng. Do \u0111\u00f3, Ng\u00e2n h\u00e0ng Nh\u00e0 n\u01b0\u1edbc (NHNN) c\u1ea7n ti\u1ebfn h\u00e0nh r\u00e0 so\u00e1t, ki\u1ec3m tra ho\u1ea1t \u0111\u1ed9ng c\u1ee7a c\u00e1c ng\u00e2n h\u00e0ng th\u01b0\u01a1ng […]<\/p>\n","protected":false},"author":10,"featured_media":24195,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":""},"categories":[17,26],"tags":[],"class_list":["post-24178","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-binh-luan-gop-y","category-legal-media"],"acf":[],"yoast_head":"\n2.325. C\u1ea7n ch\u1ea5n ch\u1ec9nh v\u00e0 x\u1eed l\u00fd c\u00e1c ng\u00e2n h\u00e0ng l\u00e1ch lu\u1eadt cho vay qua th\u1ebb t\u00edn d\u1ee5ng - 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-2-325-can-chan-chinh-va-xu-ly-cac-ngan-hang-lach-luat-cho-vay-qua-the-tin-dung\/\" \/>\n<meta property=\"og:locale\" content=\"vi_VN\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"[:vi]2.325. C\u1ea7n ch\u1ea5n ch\u1ec9nh v\u00e0 x\u1eed l\u00fd c\u00e1c ng\u00e2n h\u00e0ng l\u00e1ch lu\u1eadt cho vay qua th\u1ebb t\u00edn d\u1ee5ng[:] - ANVI Law Firm\" \/>\n<meta property=\"og:description\" content=\"(PL) – Vi\u1ec7c m\u1ed9t s\u1ed1 ng\u00e2n h\u00e0ng cho vay qua th\u1ebb t\u00edn d\u1ee5ng m\u00e0 kh\u00f4ng c\u1ea7n ch\u1ee9ng minh n\u0103ng l\u1ef1c t\u00e0i ch\u00ednh cho th\u1ea5y ph\u00e1p lu\u1eadt \u0111i\u1ec1u ch\u1ec9nh v\u1ea5n \u0111\u1ec1 n\u00e0y c\u00f3 l\u1ed7 h\u1ed5ng. 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