{"id":24361,"date":"2019-09-13T15:01:59","date_gmt":"2019-09-13T08:01:59","guid":{"rendered":"https:\/\/anvilaw.com\/vi\/?p=24361"},"modified":"2022-06-01T20:55:09","modified_gmt":"2022-06-01T13:55:09","slug":"2-341-loi-va-hai-tu-cho-vay-cam-co-so-tiet-kiem","status":"publish","type":"post","link":"https:\/\/anvilaw.com\/vi\/2-341-loi-va-hai-tu-cho-vay-cam-co-so-tiet-kiem\/","title":{"rendered":"2.341. L\u1ee3i v\u00e0 h\u1ea1i t\u1eeb cho vay c\u1ea7m c\u1ed1 s\u1ed5 ti\u1ebft ki\u1ec7m"},"content":{"rendered":"
(TBTC) – D\u00f9 mang l\u1ea1i nh\u1eefng l\u1ee3i \u00edch nh\u1ea5t \u0111\u1ecbnh cho ng\u01b0\u1eddi \u0111i vay v\u00e0 c\u1ea3 ng\u00e2n h\u00e0ng, song h\u00ecnh th\u1ee9c cho vay c\u1ea7m c\u1ed1 b\u1eb1ng s\u1ed5 ti\u1ebft ki\u1ec7m c\u0169ng c\u00f3 nh\u1eefng r\u1ee7i ro nh\u1ea5t \u0111\u1ecbnh cho c\u1ea3 ng\u01b0\u1eddi g\u1eedi ti\u1ec1n v\u00e0 ng\u00e2n h\u00e0ng. Do \u0111\u00f3, ki\u1ec3m so\u00e1t ch\u1eb7t ch\u1ebd h\u00ecnh th\u1ee9c cho vay n\u00e0y l\u00e0 c\u1ea7n thi\u1ebft trong giai \u0111o\u1ea1n hi\u1ec7n nay.<\/strong><\/div>\n
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\"so\"<\/em><\/p>\n

Hi\u1ec7n t\u01b0\u1ee3ng c\u1ea7m c\u1ed1 s\u1ed5 ti\u1ebft ki\u1ec7m \u0111\u1ec3 vay v\u1ed1n kh\u00f4ng qu\u00e1 xa l\u1ea1 \u0111\u1ed1i v\u1edbi nhi\u1ec1u ng\u01b0\u1eddi \u0111ang g\u1eedi ti\u1ec1n t\u1ea1i c\u00e1c ng\u00e2n h\u00e0ng.<\/em><\/p>\n

Y\u00eau c\u1ea7u ki\u1ec3m so\u00e1t ch\u1eb7t ch\u1ebd kho\u1ea3n vay<\/strong><\/p>\n

\u201cB\u1ea1n c\u00f3 t\u00e0i kho\u1ea3n ti\u1ebft ki\u1ec7m online t\u1ea1i ng\u00e2n h\u00e0ng nh\u01b0ng ch\u01b0a \u0111\u1ebfn h\u1ea1n t\u1ea5t to\u00e1n? B\u1ea1n kh\u00f4ng mu\u1ed1n m\u1ea5t \u0111i kho\u1ea3n l\u00e3i vay \u01b0u \u0111\u00e3i c\u1ee7a s\u1ed1 ti\u1ec1n ti\u1ebft ki\u1ec7m n\u00e0y nh\u01b0ng l\u1ea1i \u0111ang c\u1ea7n g\u1ea5p m\u1ed9t kho\u1ea3n ti\u1ec1n \u0111\u1ec3 chi ti\u00eau ng\u1eafn h\u1ea1n? H\u00e3y s\u1eed d\u1ee5ng s\u1ea3n ph\u1ea9m vay th\u1ea5u chi c\u1ea7m c\u1ed1 t\u00e0i kho\u1ea3n ti\u1ebft ki\u1ec7m online c\u1ee7a ng\u00e2n h\u00e0ng \u0111\u1ec3 v\u1eeba c\u00f3 ngay kho\u1ea3n chi ti\u00eau ng\u1eafn h\u1ea1n l\u1ea1i b\u1ea3o to\u00e0n \u0111\u01b0\u1ee3c kho\u1ea3n l\u00e3i ti\u1ebft ki\u1ec7m\u201d. \u0110\u00f3 l\u00e0 m\u1ed9t trong c\u00e1c c\u00e1ch ch\u00e0o m\u1eddi ng\u01b0\u1eddi c\u00f3 t\u00e0i kho\u1ea3n ti\u1ebft ki\u1ec7m vay c\u1ea7m c\u1ed1 t\u1ea1i ng\u00e2n h\u00e0ng. H\u00ecnh th\u1ee9c cho vay n\u00e0y \u0111\u01b0\u1ee3c c\u00e1c ng\u00e2n h\u00e0ng \u00e1p d\u1ee5ng r\u1ea5t linh ho\u1ea1t v\u1ec1 h\u1ea1n m\u1ee9c, th\u1eddi h\u1ea1n vay, ph\u01b0\u01a1ng th\u1ee9c tr\u1ea3 n\u1ee3 v\u00e0 thu\u1eadn ti\u1ec7n cho ng\u01b0\u1eddi vay.<\/p>\n

L\u1ee3i \u00edch c\u1ee7a ng\u01b0\u1eddi vay l\u00e0 v\u1eabn b\u1ea3o to\u00e0n \u0111\u01b0\u1ee3c l\u00e3i su\u1ea5t \u01b0u \u0111\u00e3i s\u1ed5 ti\u1ebft ki\u1ec7m, gi\u1ea3i ng\u00e2n nhanh ch\u00f3ng v\u00e0 linh ho\u1ea1t h\u00ecnh th\u1ee9c r\u00fat ti\u1ec1n. X\u00e9t v\u1ec1 m\u1eb7t l\u00e3i su\u1ea5t, ng\u01b0\u1eddi \u0111i vay c\u00f3 t\u00e0i kho\u1ea3n ti\u1ebft ki\u1ec7m ch\u01b0a \u0111\u1ebfn h\u1ea1n t\u1ea5t to\u00e1n m\u00e0 l\u1ea1i mu\u1ed1n c\u00f3 ti\u1ec1n ph\u1ee5c v\u1ee5 nhu c\u1ea7u tr\u01b0\u1edbc m\u1eaft, n\u1ebfu r\u00fat ti\u1ec1n ti\u1ebft ki\u1ec7m tr\u01b0\u1edbc h\u1ea1n th\u00ec h\u1ecd s\u1ebd ch\u1ec9 h\u01b0\u1edfng l\u00e3i su\u1ea5t kh\u00f4ng k\u1ef3 h\u1ea1n r\u1ea5t th\u1ea5p. Thay v\u00e0o \u0111\u00f3, h\u1ecd c\u00f3 th\u1ec3 vay b\u1eb1ng c\u00e1ch c\u1ea7m c\u1ed1 s\u1ed5 ti\u1ebft ki\u1ec7m trong th\u1eddi gian ch\u1edd t\u1ea5t to\u00e1n, l\u00e3i su\u1ea5t vay c\u00f3 th\u1ec3 cao h\u01a1n l\u00e3i su\u1ea5t ti\u1ebft ki\u1ec7m nh\u01b0ng b\u00f9 tr\u1eeb v\u1edbi ph\u1ea7n l\u00e3i c\u1ee7a s\u1ed5 ti\u1ebft ki\u1ec7m cu\u1ed1i k\u1ef3 th\u00ec v\u1eabn l\u1ee3i h\u01a1n. V\u1ec1 ph\u00eda ng\u00e2n h\u00e0ng, s\u1ed5 ti\u1ebft ki\u1ec7m l\u00e0 d\u1ea1ng t\u00e0i s\u1ea3n \u0111\u1ea3m b\u1ea3o c\u00f3 hi\u1ec7u qu\u1ea3 cao n\u1ebfu quy tr\u00ecnh cho vay \u0111\u01b0\u1ee3c l\u00e0m ch\u1eb7t ch\u1ebd, \u0111\u1eb7c bi\u1ec7t ph\u1ea3i x\u00e1c minh \u0111\u00fang nh\u00e2n th\u00e2n ng\u01b0\u1eddi \u0111i vay.M\u1ed9t s\u1ed1 \u0111i\u1ec1u ki\u1ec7n vay v\u1ed1n theo \u0110i\u1ec1u 7, Th\u00f4ng t\u01b0 39\/2016\/TT-NHNN<\/strong><\/p>\n

– Kh\u00e1ch h\u00e0ng l\u00e0 ph\u00e1p nh\u00e2n c\u00f3 n\u0103ng l\u1ef1c ph\u00e1p lu\u1eadt d\u00e2n s\u1ef1 theo quy \u0111\u1ecbnh c\u1ee7a ph\u00e1p lu\u1eadt. Kh\u00e1ch h\u00e0ng l\u00e0 c\u00e1 nh\u00e2n t\u1eeb \u0111\u1ee7 18 tu\u1ed5i tr\u1edf l\u00ean c\u00f3 n\u0103ng l\u1ef1c h\u00e0nh vi d\u00e2n s\u1ef1 \u0111\u1ea7y \u0111\u1ee7 theo quy \u0111\u1ecbnh c\u1ee7a ph\u00e1p lu\u1eadt ho\u1eb7c t\u1eeb \u0111\u1ee7 15 tu\u1ed5i \u0111\u1ebfn ch\u01b0a \u0111\u1ee7 18 tu\u1ed5i kh\u00f4ng b\u1ecb m\u1ea5t ho\u1eb7c h\u1ea1n ch\u1ebf n\u0103ng l\u1ef1c h\u00e0nh vi d\u00e2n s\u1ef1 theo quy \u0111\u1ecbnh c\u1ee7a ph\u00e1p lu\u1eadt.<\/p>\n

– Nhu c\u1ea7u vay v\u1ed1n \u0111\u1ec3 s\u1eed d\u1ee5ng v\u00e0o m\u1ee5c \u0111\u00edch h\u1ee3p ph\u00e1p.<\/p>\n

– C\u00f3 ph\u01b0\u01a1ng \u00e1n s\u1eed d\u1ee5ng v\u1ed1n kh\u1ea3 thi.<\/p>\n

– C\u00f3 kh\u1ea3 n\u0103ng t\u00e0i ch\u00ednh \u0111\u1ec3 tr\u1ea3 n\u1ee3.<\/p>\n<\/div>\n

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Tuy nhi\u00ean, th\u1eddi gian qua, nhi\u1ec1u v\u1ee5 vi\u1ec7c v\u1ec1 l\u00e0m gi\u1ea3 s\u1ed5 ti\u1ebft ki\u1ec7m \u0111\u1ec3 vay c\u1ea7m c\u1ed1 \u0111\u00e3 b\u1ecb c\u01a1 quan c\u00f4ng an kh\u1edfi t\u1ed1 v\u00e0 x\u1eed l\u00fd. M\u1eb7t kh\u00e1c, trong nhi\u1ec1u tr\u01b0\u1eddng h\u1ee3p, vi\u1ec7c cho vay b\u1eb1ng s\u1ed5 ti\u1ebft ki\u1ec7m \u0111\u1ec3 t\u0103ng d\u01b0 n\u1ee3 t\u00edn d\u1ee5ng m\u1ed9t c\u00e1ch kh\u00f4ng th\u1ef1c ch\u1ea5t c\u0169ng c\u00f3 th\u1ec3 th\u1ef1c hi\u1ec7n \u0111\u01b0\u1ee3c khi ng\u00e2n h\u00e0ng ho\u1eb7c c\u00e1c chi nh\u00e1nh c\u1ee7a ng\u00e2n h\u00e0ng mu\u1ed1n ho\u00e0n th\u00e0nh ch\u1ec9 ti\u00eau, l\u00e0m \u0111\u1eb9p s\u1ed5 s\u00e1ch \u1edf nh\u1eefng giai \u0111o\u1ea1n nh\u1ea5t \u0111\u1ecbnh.<\/p>\n

Li\u00ean quan v\u1ea5n \u0111\u1ec1 n\u00e0y, trong b\u00e1o c\u00e1o H\u1ed9i ngh\u1ecb s\u01a1 k\u1ebft 6 th\u00e1ng \u0111\u1ea7u n\u0103m 2019 to\u00e0n ng\u00e0nh Ng\u00e2n h\u00e0ng, Th\u1ed1ng \u0111\u1ed1c Ng\u00e2n h\u00e0ng Nh\u00e0 n\u01b0\u1edbc (NHNN) L\u00ea Minh H\u01b0ng \u0111\u00e3 ch\u1ec9 \u0111\u1ea1o x\u1eed l\u00fd nghi\u00eam theo quy \u0111\u1ecbnh c\u1ee7a ph\u00e1p lu\u1eadt c\u00e1c t\u1ed5 ch\u1ee9c t\u00edn d\u1ee5ng (TCTD) ti\u1ebfp t\u1ee5c \u0111\u1ec3 x\u1ea3y ra c\u00e1c h\u00e0nh vi vi ph\u1ea1m \u0111\u00e3 \u0111\u01b0\u1ee3c c\u1ea3nh b\u00e1o, \u0111\u1eb7c bi\u1ec7t l\u00e0 c\u00e1c ng\u00e2n h\u00e0ng cho vay c\u1ea7m c\u1ed1 s\u1ed5 ti\u1ebft ki\u1ec7m kh\u00f4ng c\u00f3 m\u1ee5c \u0111\u00edch s\u1eed d\u1ee5ng v\u1ed1n ho\u1eb7c m\u1ee5c \u0111\u00edch s\u1eed d\u1ee5ng v\u1ed1n kh\u00f4ng h\u1ee3p ph\u00e1p.<\/p>\n

M\u1edbi \u0111\u00e2y, ng\u00e0y 6\/9, NHNN ti\u1ebfp t\u1ee5c c\u00f3 c\u00f4ng v\u0103n s\u1ed1 7031\/NHNN-TTGSNH g\u1eedi c\u00e1c TCTD, chi nh\u00e1nh ng\u00e2n h\u00e0ng n\u01b0\u1edbc ngo\u00e0i. C\u01a1 quan n\u00e0y cho bi\u1ebft, c\u00f3 hi\u1ec7n t\u01b0\u1ee3ng m\u1ed9t s\u1ed1 TCTD, chi nh\u00e1nh ng\u00e2n h\u00e0ng n\u01b0\u1edbc ngo\u00e0i cho kh\u00e1ch h\u00e0ng vay v\u1ed1n c\u00f3 \u0111\u1ea3m b\u1ea3o b\u1eb1ng c\u1ea7m c\u1ed1 s\u1ed5 ti\u1ebft ki\u1ec7m nh\u01b0ng kh\u00f4ng c\u00f3 ph\u01b0\u01a1ng \u00e1n s\u1eed d\u1ee5ng v\u1ed1n vay theo quy \u0111\u1ecbnh t\u1ea1i \u0110i\u1ec1u 7, Th\u00f4ng t\u01b0 39\/2016\/TT-NHNN, vi ph\u1ea1m quy \u0111\u1ecbnh c\u1ee7a NHNN v\u1ec1 s\u1eed d\u1ee5ng ph\u01b0\u01a1ng ti\u1ec7n thanh to\u00e1n kh\u00f4ng d\u00f9ng ti\u1ec1n m\u1eb7t \u0111\u1ec3 gi\u1ea3i ng\u00e2n v\u1ed1n vay.<\/p>\n

\u0110\u1ec3 \u0111\u1ea3m b\u1ea3o \u1ed5n \u0111\u1ecbnh th\u1ecb tr\u01b0\u1eddng ti\u1ec1n t\u1ec7 v\u00e0 an to\u00e0n ho\u1ea1t \u0111\u1ed9ng ng\u00e2n h\u00e0ng, NHNN y\u00eau c\u1ea7u c\u00e1c TCTD ki\u1ec3m so\u00e1t ch\u1eb7t ch\u1ebd kho\u1ea3n vay, \u0111\u1eb7c bi\u1ec7t l\u00e0 ki\u1ec3m so\u00e1t m\u1ee5c \u0111\u00edch s\u1eed d\u1ee5ng v\u1ed1n vay v\u00e0 gi\u1ea3i ng\u00e2n v\u1ed1n vay \u0111\u1ed1i v\u1edbi c\u00e1c kho\u1ea3n vay \u0111\u1ea3m b\u1ea3o b\u1eb1ng c\u1ea7m c\u1ed1 s\u1ed5 ti\u1ebft ki\u1ec7m. NHNN s\u1ebd x\u1eed l\u00fd nghi\u00eam c\u00e1c TCTD c\u1ed1 t\u00ecnh vi ph\u1ea1m.<\/p>\n

NHNN c\u0169ng y\u00eau c\u1ea7u c\u00e1c TCTD t\u0103ng c\u01b0\u1eddng c\u00f4ng t\u00e1c t\u1ef1 ki\u1ec3m tra, ki\u1ec3m so\u00e1t vi\u1ec7c tu\u00e2n th\u1ee7 c\u00e1c quy \u0111\u1ecbnh c\u1ee7a ph\u00e1p lu\u1eadt, quy \u0111\u1ecbnh n\u1ed9i b\u1ed9 li\u00ean quan \u0111\u1ebfn ho\u1ea1t \u0111\u1ed9ng huy \u0111\u1ed9ng v\u1ed1n v\u00e0 cho vay, \u0111\u1eb7c bi\u1ec7t l\u00e0 c\u00e1c kho\u1ea3n cho vay c\u00f3 b\u1ea3o \u0111\u1ea3m b\u1eb1ng c\u1ea7m c\u1ed1 s\u1ed5 ti\u1ebft ki\u1ec7m; ch\u1ee7 \u0111\u1ed9ng x\u1eed l\u00fd nghi\u00eam v\u00e0 k\u1ecbp th\u1eddi c\u00e1c tr\u01b0\u1eddng h\u1ee3p vi ph\u1ea1m.<\/p>\n

C\u00e1c TCTD ph\u1ea3i r\u00e0 so\u00e1t, s\u1eeda \u0111\u1ed5i, b\u1ed5 sung, ho\u00e0n thi\u1ec7n c\u00e1c quy \u0111\u1ecbnh n\u1ed9i b\u1ed9, bao g\u1ed3m c\u1ea3 quy \u0111\u1ecbnh v\u1ec1 vi\u1ec7c cho vay c\u00f3 b\u1ea3o \u0111\u1ea3m b\u1eb1ng c\u1ea7m c\u1ed1 s\u1ed5 ti\u1ebft ki\u1ec7m, \u0111\u1ea3m b\u1ea3o tu\u00e2n th\u1ee7 c\u00e1c quy \u0111\u1ecbnh c\u1ee7a ph\u00e1p lu\u1eadt v\u1ec1 ti\u1ec1n t\u1ec7 v\u00e0 ho\u1ea1t \u0111\u1ed9ng ng\u00e2n h\u00e0ng.<\/p>\n

C\u00e1c TCTD ph\u1ea3i k\u1ecbp th\u1eddi b\u00e1o c\u00e1o c\u01a1 quan thanh tra gi\u00e1m s\u00e1t NHNN v\u00e0 NHNN chi nh\u00e1nh t\u1ec9nh, th\u00e0nh ph\u1ed1 nh\u1eefng tr\u01b0\u1eddng h\u1ee3p vi ph\u1ea1m; nh\u1eefng kh\u00f3 kh\u0103n, v\u01b0\u1edbng m\u1eafc trong qu\u00e1 tr\u00ecnh th\u1ef1c hi\u1ec7n c\u00e1c quy \u0111\u1ecbnh c\u1ee7a ph\u00e1p lu\u1eadt v\u1ec1 ho\u1ea1t \u0111\u1ed9ng ng\u00e2n h\u00e0ng \u0111\u1ec3 c\u00f3 bi\u1ec7n ph\u00e1p x\u1eed l\u00fd \u0111\u1ea3m b\u1ea3o an to\u00e0n ho\u1ea1t \u0111\u1ed9ng.<\/p>\n

\u0110\u1ed9ng th\u00e1i nh\u1eafc nh\u1edf c\u1ea7n thi\u1ebft<\/strong><\/p>\n

Chia s\u1ebb quan \u0111i\u1ec3m v\u1ec1 v\u0103n b\u1ea3n n\u00e0y c\u1ee7a NHNN, TS. C\u1ea5n V\u0103n L\u1ef1c – chuy\u00ean gia kinh t\u1ebf tr\u01b0\u1edfng c\u1ee7a Ng\u00e2n h\u00e0ng BIDV cho r\u1eb1ng: \u201cN\u1ed9i dung v\u0103n b\u1ea3n mang t\u00ednh nh\u1eafc nh\u1edf c\u00e1c TCTD v\u1ec1 hai kh\u00eda c\u1ea1nh. Tr\u01b0\u1edbc h\u1ebft l\u00e0 c\u01a1 quan gi\u00e1m s\u00e1t ho\u1ea1t \u0111\u1ed9ng ng\u00e2n h\u00e0ng mu\u1ed1n ho\u1ea1t \u0111\u1ed9ng t\u00edn d\u1ee5ng c\u00f3 t\u00ednh th\u1ef1c ch\u1ea5t, \u0111\u01b0\u1ee3c ph\u1ea3n \u00e1nh \u0111\u00fang tr\u00ean c\u00e1c b\u00e1o c\u00e1o t\u00edn d\u1ee5ng c\u1ee7a ng\u00e2n h\u00e0ng. Theo t\u00f4i, \u0111\u1ec3 th\u1ef1c hi\u1ec7n \u0111i\u1ec1u n\u00e0y, ng\u00e2n h\u00e0ng n\u00ean th\u1ec3 hi\u1ec7n r\u00f5 ph\u1ea7n cho vay n\u00e0y trong t\u1ed5ng d\u01b0 n\u1ee3 t\u00edn d\u1ee5ng \u0111\u1ec3 \u0111\u00e1nh gi\u00e1 \u0111\u00fang t\u00edn d\u1ee5ng. B\u00ean c\u1ea1nh \u0111\u00f3, \u0111\u00e3 c\u00f3 t\u00ecnh tr\u1ea1ng l\u00e0m gi\u1ea3 s\u1ed5 ti\u1ebft ki\u1ec7m \u0111\u1ec3 cho vay c\u1ea7m c\u1ed1, g\u00e2y th\u1ea5t tho\u00e1t t\u00e0i s\u1ea3n c\u1ee7a kh\u00e1ch h\u00e0ng v\u00e0 \u1ea3nh h\u01b0\u1edfng uy t\u00edn c\u1ee7a ng\u00e2n h\u00e0ng\u201d.<\/p>\n

Tuy nhi\u00ean, \u00f4ng L\u1ef1c cho r\u1eb1ng, h\u00ecnh th\u1ee9c vay n\u00e0y chi\u1ebfm d\u01b0 n\u1ee3 kh\u00f4ng qu\u00e1 l\u1edbn v\u00e0 nhi\u1ec1u ng\u00e2n h\u00e0ng c\u0169ng kh\u1ed1ng ch\u1ebf t\u1ef7 l\u1ec7 cho vay theo h\u00ecnh th\u1ee9c n\u00e0y ch\u1ee9 kh\u00f4ng \u0111\u1ec3 ph\u00e1t tri\u1ec3n tr\u00e0n lan.<\/p>\n

C\u00f2n theo theo lu\u1eadt s\u01b0 Tr\u01b0\u01a1ng Thanh \u0110\u1ee9c – Gi\u00e1m \u0111\u1ed1c C\u00f4ng ty Lu\u1eadt ANVI<\/span>, khi c\u00e1c ng\u00e2n h\u00e0ng \u0111\u1ea9y m\u1ea1nh cho vay c\u1ea7m c\u1ed1 s\u1ed5 ti\u1ebft ki\u1ec7m, s\u1ebd c\u00f3 hai v\u1ea5n \u0111\u1ec1 ph\u00e1t sinh.<\/p>\n

Tr\u01b0\u1edbc h\u1ebft, v\u1edbi nh\u1eefng kho\u1ea3n ti\u1ec1n g\u1eedi ti\u1ebft ki\u1ec7m c\u00f3 ngu\u1ed3n g\u1ed1c b\u1ea5t h\u1ee3p ph\u00e1p \u0111\u01b0\u1ee3c c\u1ea7m c\u1ed1 cho vay th\u00ec ng\u00e2n h\u00e0ng s\u1ebd g\u00e1nh ch\u1ecbu r\u1ee7i ro, \u0111\u1eb7c bi\u1ec7t khi Nh\u00e0 n\u01b0\u1edbc t\u1ecbch thu kho\u1ea3n ti\u1ec1n g\u1eedi n\u00e0y th\u00ec s\u1ebd kh\u00f4ng th\u1ec3 t\u1ea5t to\u00e1n \u0111\u01b0\u1ee3c.<\/p>\n

M\u1eb7t kh\u00e1c, kh\u00f4ng lo\u1ea1i tr\u1eeb tr\u01b0\u1eddng h\u1ee3p nhi\u1ec1u ng\u00e2n h\u00e0ng ho\u1eb7c c\u00e1c chi nh\u00e1nh ng\u00e2n h\u00e0ng l\u1ee3i d\u1ee5ng s\u1ea3n ph\u1ea9m n\u00e0y \u0111\u1ec3 \u0111\u1ea9y t\u0103ng tr\u01b0\u1edfng t\u00edn d\u1ee5ng, \u0111\u1eb7c bi\u1ec7t \u1edf nh\u1eefng th\u1eddi \u0111i\u1ec3m c\u1ea7n l\u00e0m \u0111\u1eb9p s\u1ed5 s\u00e1ch.<\/p>\n

Trong khi \u0111\u00f3, theo TS. C\u1ea5n V\u0103n L\u1ef1c, \u1edf th\u1eddi \u0111i\u1ec3m hi\u1ec7n nay, vi\u1ec7c cho vay c\u1ea7m c\u1ed1 s\u1ed5 ti\u1ebft ki\u1ec7m \u0111\u1ec3 \u0111\u1ea9y t\u0103ng tr\u01b0\u1edfng t\u00edn d\u1ee5ng kh\u00f4ng h\u1eb3n l\u00e0 m\u1ee5c \u0111\u00edch c\u1ee7a c\u00e1c ng\u00e2n h\u00e0ng, b\u1edfi l\u1ebd, c\u00e1c ng\u00e2n h\u00e0ng \u0111\u1ec1u \u0111ang mu\u1ed1n c\u00f3 th\u00eam ch\u1ec9 ti\u00eau t\u0103ng tr\u01b0\u1edfng t\u00edn d\u1ee5ng ch\u1ee9 kh\u00f4ng mu\u1ed1n d\u00f9ng h\u1ebft h\u1ea1n m\u1ee9c \u0111\u00e3 \u0111\u01b0\u1ee3c giao.\\<\/p>\n<\/div>\n

<\/div>\n
Thanh An<\/strong><\/div>\n

——————<\/p>\n

Th\u1eddi b\u00e1o T\u00e0i ch\u00ednh (Ti\u1ec1n t\u1eb9 – B\u1ea3o hi\u1ec3m) 13-9-2019:<\/em><\/strong><\/p>\n

http:\/\/thoibaotaichinhvietnam.vn\/pages\/tien-te-bao-hiem\/2019-09-13\/loi-va-hai-tu-cho-vay-cam-co-so-tiet-kiem-76302.aspx<\/em><\/a><\/p>\n

(120\/1.402)<\/em>","protected":false},"excerpt":{"rendered":"

(TBTC) – D\u00f9 mang l\u1ea1i nh\u1eefng l\u1ee3i \u00edch nh\u1ea5t \u0111\u1ecbnh cho ng\u01b0\u1eddi \u0111i vay v\u00e0 c\u1ea3 ng\u00e2n h\u00e0ng, song h\u00ecnh th\u1ee9c cho vay c\u1ea7m c\u1ed1 b\u1eb1ng s\u1ed5 ti\u1ebft ki\u1ec7m c\u0169ng c\u00f3 nh\u1eefng r\u1ee7i ro nh\u1ea5t \u0111\u1ecbnh cho c\u1ea3 ng\u01b0\u1eddi g\u1eedi ti\u1ec1n v\u00e0 ng\u00e2n h\u00e0ng. Do \u0111\u00f3, ki\u1ec3m so\u00e1t ch\u1eb7t ch\u1ebd h\u00ecnh th\u1ee9c cho vay n\u00e0y […]<\/p>\n","protected":false},"author":10,"featured_media":24371,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":""},"categories":[17,26],"tags":[],"class_list":["post-24361","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-binh-luan-gop-y","category-legal-media"],"acf":[],"yoast_head":"\n2.341. 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