{"id":25484,"date":"2018-12-11T14:16:32","date_gmt":"2018-12-11T07:16:32","guid":{"rendered":"https:\/\/anvilaw.com\/vi\/?p=25484"},"modified":"2022-06-16T09:05:55","modified_gmt":"2022-06-16T02:05:55","slug":"2-070-ap-tran-lai-vay-theo-nghi-dinh-20-mui-ten-chua-trung-dich","status":"publish","type":"post","link":"https:\/\/anvilaw.com\/vi\/2-070-ap-tran-lai-vay-theo-nghi-dinh-20-mui-ten-chua-trung-dich\/","title":{"rendered":"2.069. \u00c1p tr\u1ea7n l\u00e3i vay theo Ngh\u1ecb \u0111\u1ecbnh 20: M\u0169i t\u00ean ch\u01b0a tr\u00fang \u0111\u00edch?"},"content":{"rendered":"(XD) – T\u1ea1i sao ch\u1ec9 c\u00e1c doanh nghi\u1ec7p trong n\u01b0\u1edbc c\u00f3 \u00fd ki\u1ebfn v\u1ec1 Ngh\u1ecb \u0111\u1ecbnh 20 c\u1ee7a B\u1ed9 T\u00e0i ch\u00ednh m\u00e0 doanh nghi\u1ec7p n\u01b0\u1edbc ngo\u00e0i, nh\u00f3m doanh nghi\u1ec7p t\u1eebng c\u00f3 nhi\u1ec1u nghi v\u1ea5n v\u1ec1 tr\u1ed1n thu\u1ebf, l\u1ea1i kh\u00f4ng? Ph\u1ea3i ch\u0103ng, vi\u1ec7c doanh nghi\u1ec7p ngo\u1ea1i \u00fd ki\u1ebfn ch\u1eb3ng kh\u00e1c g\u00ec \u201cl\u1ea1y \u00f4ng t\u00f4i \u1edf b\u1ee5i n\u00e0y\u201d?<\/strong><\/p>\n

T\u1ea1i sao ch\u1ec9 m\u00ecnh doanh nghi\u1ec7p n\u1ed9i \u201cc\u1ea7u c\u1ee9u\u201d?<\/strong><\/p>\n

Nh\u1eefng ng\u00e0y quy\u1ebft to\u00e1n thu\u1ebf cu\u1ed1i n\u0103m \u0111ang c\u1eadn k\u1ec1, \u0111\u1ed3ng ngh\u0129a v\u1edbi vi\u1ec7c m\u1ed9t lo\u1ea1t doanh nghi\u1ec7p, t\u1eadp \u0111o\u00e0n l\u1edbn trong n\u01b0\u1edbc nh\u01b0 \u0111ang ng\u1ed3i tr\u00ean \u0111\u1ed1ng l\u1eeda v\u00ec kho\u1ea3n 3 \u0111i\u1ec1u 8 trong Ngh\u1ecb \u0111\u1ecbnh 20\/2017 v\u1ec1 qu\u1ea3n l\u00fd thu\u1ebf v\u1edbi c\u00e1c Cty c\u00f3 giao d\u1ecbch li\u00ean k\u1ebft. \u0110\u00f3 ch\u00ednh l\u00e0 quy \u0111\u1ecbnh kh\u1ed1ng ch\u1ebf chi ph\u00ed l\u00e3i vay \u0111\u01b0\u1ee3c kh\u1ea5u tr\u1eeb thu\u1ebf kh\u00f4ng \u0111\u01b0\u1ee3c v\u01b0\u1ee3t qu\u00e1 20% t\u1ed5ng l\u1ee3i nhu\u1eadn thu\u1ea7n. \u0110i\u1ec1u n\u00e0y c\u00f3 ngh\u0129a l\u00e0 t\u1ed5ng s\u1ed1 ti\u1ec1n doanh nghi\u1ec7p d\u00f9ng \u0111\u1ec3 tr\u1ea3 l\u00e3i vay kh\u00f4ng \u0111\u01b0\u1ee3c cao h\u01a1n 20% l\u1ee3i nhu\u1eadn thu\u1ea7n.<\/p>\n

Ngh\u1ecb \u0111\u1ecbnh 20 ra \u0111\u1eddi \u0111\u01b0\u1ee3c coi l\u00e0 b\u01b0\u1edbc chuy\u1ec3n l\u1edbn c\u1ee7a ng\u00e0nh Thu\u1ebf nh\u1eb1m ki\u1ec3m so\u00e1t h\u00e0nh vi chuy\u1ec3n gi\u00e1 c\u1ee7a c\u00e1c Cty c\u00f3 v\u1ed1n n\u01b0\u1edbc ngo\u00e0i th\u01b0\u1eddng \u0111\u1ea9y l\u00e3i su\u1ea5t cho vay c\u00f4ng ty li\u00ean k\u1ebft l\u00ean cao \u0111\u1ec3 Cty thua l\u1ed7 li\u00ean t\u1ee5c nh\u1eb1m m\u1ee5c \u0111\u00edch tr\u1ed1n thu\u1ebf. Th\u1ebf nh\u01b0ng, th\u1ef1c t\u1ebf quy \u0111\u1ecbnh n\u00e0y l\u1ea1i khi\u1ebfn c\u00e1c doanh nghi\u1ec7p c\u00f3 giao d\u1ecbch li\u00ean k\u1ebft trong n\u01b0\u1edbc b\u1ecb \u201cv\u1ea1 l\u00e2y\u201d, nh\u1ea5t l\u00e0 c\u00e1c doanh nghi\u1ec7p theo m\u00f4 h\u00ecnh giao d\u1ecbch li\u00ean k\u1ebft ki\u1ec3u c\u00f4ng ty m\u1eb9 cho c\u00f4ng ty con vay.<\/p>\n

Theo c\u00e1c chuy\u00ean gia t\u1ea1i H\u1ed9i K\u1ebf to\u00e1n \u2013 Ki\u1ec3m to\u00e1n Vi\u1ec7t Nam (VAA), hi\u1ec7n nay Ch\u00ednh ph\u1ee7 \u0111ang khuy\u1ebfn kh\u00edch ph\u00e1t tri\u1ec3n kh\u1ed1i kinh t\u1ebf t\u01b0 nh\u00e2n, phong tr\u00e0o kh\u1edfi nghi\u1ec7p \u1edf c\u00e1c \u0111\u1ecba ph\u01b0\u01a1ng c\u0169ng \u0111ang ph\u00e1t tri\u1ec3n m\u1ea1nh v\u00e0 c\u1ea7n k\u00eau g\u1ecdi nhi\u1ec1u v\u1ed1n \u0111\u1ea7u t\u01b0 c\u1ea3 trong v\u00e0 ngo\u00e0i n\u01b0\u1edbc.<\/p>\n

\u0110\u1eb7c bi\u1ec7t, xu h\u01b0\u1edbng vay v\u1ed1n ngo\u1ea1i c\u1ee7a c\u00e1c doanh nghi\u1ec7p t\u01b0 nh\u00e2n l\u1edbn \u0111\u00e3 lan r\u1ed9ng v\u00e0 tr\u1edf n\u00ean ph\u1ed5 bi\u1ebfn. \u0110a s\u1ed1 c\u00e1c t\u1eadp \u0111o\u00e0n t\u01b0 nh\u00e2n trong n\u01b0\u1edbc h\u00ecnh th\u00e0nh v\u00e0 ph\u00e1t tri\u1ec3n theo m\u00f4 h\u00ecnh t\u1eadp \u0111o\u00e0n Cty m\u1eb9 con. Trong \u0111\u00f3, Cty m\u1eb9 l\u00e0 \u0111\u1ea7u m\u1ed1i huy \u0111\u1ed9ng v\u1ed1n vay t\u1eeb c\u00e1c ngu\u1ed3n v\u1ed1n trong n\u01b0\u1edbc v\u00e0 n\u01b0\u1edbc ngo\u00e0i \u0111\u1ec3 cho c\u00e1c \u0111\u01a1n v\u1ecb th\u00e0nh vi\u00ean vay l\u1ea1i. Khi vay v\u1ed1n t\u1eeb c\u00e1c \u0111\u1ed1i t\u00e1c n\u01b0\u1edbc ngo\u00e0i, c\u00e1c qu\u1ef9 t\u00e0i ch\u00ednh qu\u1ed1c t\u1ebf s\u1ebd \u0111\u00e1nh gi\u00e1 ti\u1ec1m l\u1ef1c t\u00e0i ch\u00ednh c\u1ee7a c\u1ea3 t\u1eadp \u0111o\u00e0n v\u00e0 th\u1ef1c hi\u1ec7n cho vay v\u1ed1n \u0111\u1ed1i v\u1edbi Cty m\u1eb9 thay v\u00ec cho vay tr\u1ef1c ti\u1ebfp v\u00e0o Cty con.<\/p>\n

V\u00ec v\u1eady, n\u1ebfu t\u1ea5t c\u1ea3 c\u00e1c kho\u1ea3n \u201ccho vay l\u1ea1i\u201d c\u1ee7a Cty m\u1eb9 v\u1edbi c\u00e1c Cty con trong c\u00f9ng m\u1ed9t t\u1eadp \u0111o\u00e0n b\u1ecb kh\u1ed1ng ch\u1ebf chi ph\u00ed l\u00e3i vay s\u1ebd kh\u00f4ng khuy\u1ebfn kh\u00edch \u0111\u01b0\u1ee3c c\u00e1c doanh nghi\u1ec7p l\u1edbn gia t\u0103ng vay v\u1ed1n b\u00ean ngo\u00e0i, \u0111\u1ed3ng th\u1eddi c\u0169ng l\u00e0m gi\u1ea3m kh\u1ea3 n\u0103ng \u0111i\u1ec1u ti\u1ebft s\u1ee9c m\u1ea1nh chung c\u1ee7a m\u1ed9t t\u1eadp \u0111o\u00e0n.<\/p>\n

\u0110\u1ea1i di\u1ec7n m\u1ed9t doanh nghi\u1ec7p \u0111\u1ea7u t\u01b0 trong l\u0129nh v\u1ef1c b\u1ea5t \u0111\u1ed9ng s\u1ea3n (B\u0110S) du l\u1ecbch ngh\u1ec9 d\u01b0\u1ee1ng cho r\u1eb1ng, v\u1edbi m\u1ed9t doanh nghi\u1ec7p \u0111\u1ea7u t\u01b0 v\u00e0o l\u0129nh v\u1ef1c B\u0110S ngh\u1ec9 d\u01b0\u1ee1ng hi\u1ec7n nay ph\u1ea7n l\u1edbn ngu\u1ed3n v\u1ed1n \u0111\u1ea7u t\u01b0 \u0111\u1ec1u d\u1ef1a tr\u00ean nh\u1eefng h\u1ee3p \u0111\u1ed3ng h\u1ee3p t\u00e1c chi\u1ebfn l\u01b0\u1ee3c v\u1edbi c\u00e1c t\u1eadp \u0111o\u00e0n trong n\u01b0\u1edbc ho\u1eb7c c\u00e1c nh\u00e0 \u0111\u1ea7u t\u01b0 n\u01b0\u1edbc ngo\u00e0i. N\u1ebfu nh\u1eefng \u00fd t\u01b0\u1edfng kh\u1edfi nghi\u1ec7p \u201cph\u01b0\u01a1ng tr\u01b0\u1edfng\u201d v\u00e0 tr\u1edf th\u00e0nh th\u00e0nh vi\u00ean c\u1ee7a c\u00e1c t\u1eadp \u0111o\u00e0n l\u1edbn trong n\u01b0\u1edbc sau khi mua b\u00e1n, s\u00e1p nh\u1eadp th\u00ec c\u00f3 nhi\u1ec1u c\u01a1 h\u1ed9i \u0111\u1ec3 ph\u00e1t tri\u1ec3n.<\/p>\n

V\u00ec v\u1eady, vi\u1ec7c h\u1ea1n ch\u1ebf tr\u1ea7n chi ph\u00ed l\u00e3i vay theo Ngh\u1ecb \u0111\u1ecbnh 20 v\u1ec1 m\u1ee5c \u0111\u00edch l\u00e0 h\u01b0\u1edbng \u0111\u1ebfn ng\u0103n ch\u1eb7n c\u00e1c gian l\u1eadn chuy\u1ec3n gi\u00e1 v\u00e0 tr\u1ed1n thu\u1ebf c\u1ee7a c\u00e1c doanh nghi\u1ec7p FDI nh\u01b0ng l\u1ea1i \u0111ang l\u00e0 r\u00e0o c\u1ea3n qu\u00e1 l\u1edbn trong vi\u1ec7c huy \u0111\u1ed9ng ngu\u1ed3n v\u1ed1n \u0111\u1ea7u t\u01b0 c\u1ee7a c\u00e1c doanh nghi\u1ec7p trong n\u01b0\u1edbc, \u0111\u1eb7c bi\u1ec7t l\u00e0 doanh nghi\u1ec7p kh\u1edfi nghi\u1ec7p.<\/p>\n

C\u00f9ng v\u1edbi \u0111\u00f3 l\u00e0 c\u00e2u chuy\u1ec7n th\u1eddi gian qua c\u00e1c doanh nghi\u1ec7p nh\u01b0 LILAMA, Xi m\u0103ng VICEM, EVN\u2026 \u0111\u00e3 ph\u1ea3i \u0111\u1ec7 \u0111\u01a1n l\u00ean c\u1ea7u c\u1ee9u ng\u00e0nh Thu\u1ebf v\u00e0 B\u1ed9 T\u00e0i ch\u00ednh c\u0169ng nh\u01b0 c\u00e1c \u0111\u01a1n v\u1ecb ch\u1ee7 qu\u1ea3n. Th\u1ef1c t\u1ebf n\u00e0y \u0111\u00e3 \u0111\u1eb7t ra cho ng\u00e0nh Thu\u1ebf nhi\u1ec1u v\u1ea5n \u0111\u1ec1.<\/p>\n

Th\u1ee9 nh\u1ea5t, t\u1ea1i sao ch\u1ec9 c\u00e1c doanh nghi\u1ec7p trong n\u01b0\u1edbc c\u00f3 \u00fd ki\u1ebfn m\u00e0 doanh nghi\u1ec7p n\u01b0\u1edbc ngo\u00e0i l\u1ea1i kh\u00f4ng? Th\u1ee9 hai, trong c\u00e1c doanh nghi\u1ec7p c\u00f3 \u00fd ki\u1ebfn th\u00ec doanh nghi\u1ec7p thu\u1ed9c ng\u00e0nh B\u0110S v\u00e0 s\u1ea3n xu\u1ea5t v\u1eadt li\u1ec7u \u201cn\u00f4n n\u00f3ng\u201d nh\u1ea5t \u0111\u00e3 ch\u1ee9ng t\u1ecf vi\u1ec7c \u00e1p tr\u1ea7n l\u00e3i su\u1ea5t theo Ngh\u1ecb \u0111\u1ecbnh 20 \u0111\u00e3 khi\u1ebfn nhi\u1ec1u doanh nghi\u1ec7p n\u1ed9i, \u0111\u1eb7c bi\u1ec7t l\u00e0 doanh nghi\u1ec7p B\u0110S b\u1ecb \u201cthi\u1ec7t \u0111\u01a1n, thi\u1ec7t k\u00e9p\u201d.<\/p>\n

C\u00f9ng v\u1edbi \u0111\u00f3, vi\u1ec7c \u00e1p Ngh\u1ecb \u0111\u1ecbnh 20, m\u1ed9t l\u1ea7n n\u1eefa l\u1ea1i d\u1ea5y l\u00ean lo ng\u1ea1i, \u0111\u00e2y nh\u01b0 m\u1ed9t h\u1ed3i chu\u00f4ng b\u00e1o \u0111\u1ed9ng d\u00e0nh cho doanh nghi\u1ec7p n\u01b0\u1edbc ngo\u00e0i m\u00e0 ph\u00eda ng\u00e0nh Thu\u1ebf Vi\u1ec7t Nam \u0111ang nghi ng\u1edd chuy\u1ec3n gi\u00e1, tr\u1ed1n thu\u1ebf.<\/p>\n

C\u00e2u h\u1ecfi \u0111\u1eb7t ra l\u00e0 t\u1ea1i sao ng\u00e0nh Thu\u1ebf kh\u00f4ng \u201ch\u1ecfi xo\u00e1y, \u0111\u00e1p xoay\u201d v\u00e0o nh\u1eefng doanh nghi\u1ec7p nghi chuy\u1ec3n gi\u00e1 m\u00e0 l\u1ea1i l\u00e0m lo\u00e3ng \u201c\u0111\u1ed1i t\u01b0\u1ee3ng\u201d b\u1eb1ng c\u00e1ch \u00e1p \u0111i\u1ec1u 3 kho\u1ea3n 8 trong Ngh\u1ecb \u0111\u1ecbnh 20 cho c\u00e1c doanh nghi\u1ec7p, trong \u0111\u00f3, ph\u1ea7n b\u1ea5t l\u1ee3i lu\u00f4n h\u01b0\u1edbng v\u1ec1 doanh nghi\u1ec7p n\u1ed9i. C\u00e1ch l\u00e0m n\u00e0y kh\u00e1c n\u00e0o h\u00e0nh \u0111\u1ed9ng \u201ckh\u00f4n nh\u00e0 d\u1ea1i ch\u1ee3\u201d? B\u1edfi v\u00ec r\u00f5 r\u00e0ng h\u00e0nh vi chuy\u1ec3n gi\u00e1, tr\u1ed1n thu\u1ebf thu nh\u1eadp v\u1edbi s\u1ed1 ti\u1ec1n r\u1ea5t kh\u1ee7ng \u0111a ph\u1ea7n \u0111\u00e3 x\u1ea3y ra \u1edf c\u00e1c doanh nghi\u1ec7p ngo\u1ea1i nh\u01b0 Keang Nam, Cocacola\u2026<\/p>\n

\"\"<\/p>\n

Kh\u1ed1i Doanh nghi\u1ec7p ngo\u1ea1i trong \u0111\u00f3 c\u00f3 Keangnam Vina \u2013 \u0111i\u1ec3n h\u00ecnh cho t\u00ecnh tr\u1ea1ng chuy\u1ec3n gi\u00e1 kh\u00f4ng b\u1ecb \u1ea3nh h\u01b0\u1edfng b\u1edfi Ngh\u1ecb \u0111\u1ecbnh 20.<\/p>\n

V\u00e0 c\u00f3 m\u1ed9t th\u1ef1c t\u1ebf l\u00e0, hi\u1ec7n ng\u00e0nh Thu\u1ebf c\u00f3 h\u1eb3n m\u1ed9t b\u1ed9 ph\u1eadn chuy\u00ean ch\u1ed1ng chuy\u1ec3n gi\u00e1 tr\u1ed1n thu\u1ebf. Tuy nhi\u00ean, d\u01b0\u1eddng nh\u01b0 hi\u1ec7u qu\u1ea3 qu\u1ea3n l\u00fd v\u1eabn ch\u01b0a kh\u1ea3 quan. B\u1eb1ng ch\u1ee9ng l\u00e0 r\u1ea5t nhi\u1ec1u doanh nghi\u1ec7p n\u01b0\u1edbc ngo\u00e0i ho\u1ea1t \u0111\u1ed9ng t\u1ea1i Vi\u1ec7t Nam r\u1ea5t nhi\u1ec1u n\u0103m \u0111ang n\u1eb1m trong di\u1ec7n nghi v\u1ea5n chuy\u1ec3n gi\u00e1, tr\u1ed1n thu\u1ebf thu nh\u1eadp doanh nghi\u1ec7p nh\u01b0ng ng\u00e0nh Thu\u1ebf v\u1eabn ch\u01b0a \u201cs\u1edd g\u00e1y\u201d.<\/p>\n

M\u0169i t\u00ean ch\u01b0a tr\u00fang \u0111\u00edch<\/strong><\/p>\n

Theo Lu\u1eadt s\u01b0 Tr\u01b0\u01a1ng Thanh \u0110\u1ee9c – Cty Lu\u1eadt ANVI: \u201cM\u1ee5c ti\u00eau ban \u0111\u1ea7u c\u1ee7a Ngh\u1ecb \u0111\u1ecbnh 20 nh\u1eb1m h\u1ea1n ch\u1ebf vi\u1ec7c chuy\u1ec3n thu nh\u1eadp c\u1ee7a c\u00e1c doanh nghi\u1ec7p c\u00f3 v\u1ed1n \u0111\u1ea7u t\u01b0 n\u01b0\u1edbc ngo\u00e0i t\u1ea1i Vi\u1ec7t Nam \u0111\u1ebfn m\u1ed9t doanh nghi\u1ec7p kh\u00e1c (trong c\u00f9ng t\u1eadp \u0111o\u00e0n \u0111a qu\u1ed1c gia) t\u1ea1i v\u00f9ng l\u00e3nh th\u1ed5\/qu\u1ed1c gia c\u00f3 thu\u1ebf su\u1ea5t thu\u1ebf Thu nh\u1eadp doanh nghi\u1ec7p th\u1ea5p h\u01a1n so v\u1edbi Vi\u1ec7t Nam \u0111\u1ec3 t\u1ed1i \u0111a h\u00f3a l\u1ee3i nhu\u1eadn v\u00e0 t\u1ed1i thi\u1ec3u h\u00f3a ngh\u0129a v\u1ee5 thu\u1ebf ph\u1ea3i n\u1ed9p\u201d.<\/em><\/p>\n

Tuy nhi\u00ean, \u0111\u1ed1i t\u01b0\u1ee3ng b\u1ecb \u1ea3nh h\u01b0\u1edfng n\u1eb7ng n\u1ec1 nh\u1ea5t t\u1eeb vi\u1ec7c kh\u1ed1ng ch\u1ebf chi ph\u00ed l\u00e3i vay \u0111\u01b0\u1ee3c tr\u1eeb 20% tr\u00ean l\u1ee3i nhu\u1eadn thu\u1ea7n tr\u01b0\u1edbc l\u00e3i v\u00e0 kh\u1ea5u hao l\u1ea1i l\u00e0 c\u00e1c doanh nghi\u1ec7p Vi\u1ec7t Nam. \u0110\u1eb7c bi\u1ec7t, nh\u1eefng doanh nghi\u1ec7p \u0111ang \u0111\u1ea7u t\u01b0 v\u00e0o nh\u1eefng ng\u00e0nh tr\u1ecdng \u0111i\u1ec3m c\u1ea7n s\u1ed1 v\u1ed1n r\u1ea5t l\u1edbn. Nh\u01b0 v\u1eady l\u00e0 ho\u00e0n to\u00e0n tr\u00e1i v\u1edbi m\u1ee5c ti\u00eau ban \u0111\u1ea7u khi ban h\u00e0nh Ngh\u1ecb \u0111\u1ecbnh.<\/em><\/p>\n

H\u01a1n n\u1eefa, c\u00e1c doanh nghi\u1ec7p trong n\u01b0\u1edbc v\u1ed1n \u00edt, ph\u1ea7n l\u1edbn ph\u1ea3i vay v\u1ed1n t\u1eeb c\u00e1c ng\u00e2n h\u00e0ng, t\u1ed5 ch\u1ee9c t\u00e0i ch\u00ednh kh\u00e1c. \u0110\u00e2y l\u00e0 ph\u1ea7n v\u1ed1n vay \u0111\u1ed9c l\u1eadp kh\u00f4ng thu\u1ed9c c\u00e1c ho\u1ea1t \u0111\u1ed9ng giao d\u1ecbch li\u00ean k\u1ebft.<\/em><\/p>\n

\u201cC\u0103n c\u1ee9 theo quy \u0111\u1ecbnh t\u1ea1i \u0110i\u1ec1u 9 Lu\u1eadt Thu\u1ebf Thu nh\u1eadp doanh nghi\u1ec7p hi\u1ec7n h\u00e0nh kh\u00f4ng c\u00f3 quy \u0111\u1ecbnh v\u1ec1 kh\u1ed1ng ch\u1ebf l\u00e3i ti\u1ec1n vay nh\u01b0 quy \u0111\u1ecbnh kho\u1ea3n 3 \u0110i\u1ec1u 8 Ngh\u1ecb \u0111\u1ecbnh s\u1ed1 20. Theo \u0111\u00f3, quy \u0111\u1ecbnh n\u00e0y t\u1ea1i Ngh\u1ecb \u0111\u1ecbnh 20 ch\u01b0a ph\u00f9 h\u1ee3p v\u1edbi Lu\u1eadt Thu\u1ebf Thu nh\u1eadp doanh nghi\u1ec7p hi\u1ec7n h\u00e0nh n\u00ean kh\u00f4ng c\u00f3 c\u01a1 s\u1edf \u0111\u1ec3 th\u1ef1c hi\u1ec7n theo quy \u0111\u1ecbnh n\u00e0y\u201d, lu\u1eadt s\u01b0 \u0110\u1ee9c kh\u1eb3ng \u0111\u1ecbnh.<\/em><\/p>\n

C\u00f9ng quan \u0111i\u1ec3m n\u00e0y, \u0111\u1ea1i di\u1ec7n Hi\u1ec7p h\u1ed9i B\u0110S Vi\u1ec7t Nam cho r\u1eb1ng, quy \u0111\u1ecbnh n\u00e0y kh\u00f4ng ph\u00f9 h\u1ee3p v\u1edbi nguy\u00ean t\u1eafc t\u1ef1 do kinh doanh \u0111\u00e3 \u0111\u01b0\u1ee3c ghi nh\u1eadn trong Lu\u1eadt doanh nghi\u1ec7p n\u0103m 2014, kh\u00f4ng ph\u00f9 h\u1ee3p v\u1edbi th\u1ef1c t\u1ebf v\u00e0 g\u00e2y nhi\u1ec1u kh\u00f3 kh\u0103n cho doanh nghi\u1ec7p b\u1edfi l\u00fd do: Th\u1ee9 nh\u1ea5t, vay v\u1ed1n l\u00e0 nhu c\u1ea7u th\u1ef1c t\u1ebf, th\u01b0\u1eddng xuy\u00ean c\u1ee7a doanh nghi\u1ec7p nh\u1eb1m ph\u1ee5c v\u1ee5 ho\u1ea1t \u0111\u1ed9ng kinh doanh \u0111\u1eb7c bi\u1ec7t v\u1edbi nh\u1eefng ng\u00e0nh ngh\u1ec1 \u0111\u00f2i h\u1ecfi v\u1ed1n \u0111\u1ea7u t\u01b0 l\u1edbn, th\u1eddi gian thu h\u1ed3i v\u1ed1n k\u00e9o d\u00e0i nh\u01b0 \u0111\u1ea7u t\u01b0 c\u01a1 s\u1edf h\u1ea1 t\u1ea7ng, kinh doanh b\u1ea5t \u0111\u1ed9ng s\u1ea3n.<\/p>\n

V\u00ec th\u1ebf, quy \u0111\u1ecbnh kh\u1ed1ng ch\u1ebf chi ph\u00ed l\u00e3i vay \u0111\u01b0\u1ee3c tr\u1eeb khi x\u00e1c \u0111\u1ecbnh thu nh\u1eadp ch\u1ecbu thu\u1ebf c\u1ee7a doanh nghi\u1ec7p s\u1ebd g\u00e2y r\u1ea5t nhi\u1ec1u kh\u00f3 kh\u0103n cho c\u00e1c doanh nghi\u1ec7p n\u00f3i chung v\u00e0 doanh nghi\u1ec7p kinh doanh trong c\u00e1c ng\u00e0nh ngh\u1ec1 \u0111\u00f2i h\u1ecfi v\u1ed1n \u0111\u1ea7u t\u01b0 l\u1edbn n\u00f3i ri\u00eang khi\u1ebfn c\u00e1c doanh nghi\u1ec7p e ng\u1ea1i khi vay v\u1ed1n v\u00ec l\u1ee3i nhu\u1eadn kh\u00f4ng \u0111\u1ee7 b\u00f9 \u0111\u1eafp cho ph\u1ea7n chi ph\u00ed l\u00e3i vay kh\u00f4ng \u0111\u01b0\u1ee3c tr\u1eeb khi t\u00ednh thu\u1ebf thu nh\u1eadp doanh nghi\u1ec7p. Nh\u01b0 v\u1eady, quy \u0111\u1ecbnh kh\u1ed1ng ch\u1ebf chi ph\u00ed l\u00e3i vay \u0111\u00e3 t\u1ea1o ra r\u00e0o c\u1ea3n \u0111\u1ed1i v\u1edbi ho\u1ea1t \u0111\u1ed9ng vay v\u1ed1n ph\u1ee5c v\u1ee5 s\u1ea3n xu\u1ea5t kinh doanh h\u1ee3p ph\u00e1p c\u1ee7a doanh nghi\u1ec7p.<\/p>\n

Th\u1ee9 hai, quy \u0111\u1ecbnh c\u1ee7a Ngh\u1ecb \u0111\u1ecbnh 20 s\u1ebd t\u1ea1o ra nhi\u1ec1u kh\u00f3 kh\u0103n \u0111\u1ed1i v\u1edbi c\u00e1c t\u1eadp \u0111o\u00e0n kinh t\u1ebf t\u01b0 nh\u00e2n theo m\u00f4 h\u00ecnh Cty m\u1eb9 – con hi\u1ec7n \u0111ang ph\u00e1t tri\u1ec3n m\u1ea1nh \u1edf n\u01b0\u1edbc ta. Trong c\u00e1c t\u1eadp \u0111o\u00e0n kinh t\u1ebf, Cty m\u1eb9 s\u1ebd c\u00f3 c\u00e1c ho\u1ea1t \u0111\u1ed9ng ch\u00ednh l\u00e0 \u0111\u1ea7u t\u01b0 v\u00e0o c\u00e1c c\u00f4ng ty con th\u00f4ng qua vi\u1ec7c g\u00f3p v\u1ed1n v\u00e0o c\u00e1c c\u00e1c Cty con. Cty m\u1eb9 l\u00e0 \u0111\u1ea7u m\u1ed1i huy \u0111\u1ed9ng v\u1ed1n vay t\u1eeb c\u00e1c ngu\u1ed3n v\u1ed1n trong n\u01b0\u1edbc v\u00e0 n\u01b0\u1edbc ngo\u00e0i \u0111\u1ec3 cho vay l\u1ea1i c\u00e1c \u0111\u01a1n v\u1ecb th\u00e0nh vi\u00ean.<\/p>\n

Trong \u0111\u00f3, \u0111\u1ec3 tr\u00e1nh r\u1ee7i ro, c\u00e1c ng\u00e2n h\u00e0ng, c\u00e1c qu\u1ef9 \u0111\u1ea7u t\u01b0 n\u01b0\u1edbc ngo\u00e0i s\u1ebd \u0111\u00e1nh gi\u00e1 ti\u1ec1m l\u1ef1c t\u00e0i ch\u00ednh c\u1ee7a c\u1ea3 t\u1eadp \u0111o\u00e0n v\u00e0 th\u1ef1c hi\u1ec7n cho vay v\u1ed1n \u0111\u1ed1i v\u1edbi Cty m\u1eb9 thay v\u00ec cho vay tr\u1ef1c ti\u1ebfp v\u00e0o Cty con sau \u0111\u00f3 c\u00f4ng ty m\u1eb9 chuy\u1ec3n ti\u1ebfp ngu\u1ed3n v\u1ed1n vay cho cty con vay \u0111\u1ec3 \u0111\u1ea7u t\u01b0 m\u1edf r\u1ed9ng s\u1ea3n xu\u1ea5t kinh doanh.<\/p>\n

H\u01a1n n\u1eefa, t\u1eadp \u0111o\u00e0n huy \u0111\u1ed9ng v\u1ed1n t\u1eadp trung th\u00f4ng th\u01b0\u1eddng s\u1ebd c\u00f3 m\u1ee9c l\u00e3i su\u1ea5t \u01b0u \u0111\u00e3i h\u01a1n, gi\u1ea3m chi ph\u00ed cho doanh nghi\u1ec7p, t\u0103ng hi\u1ec7u qu\u1ea3 ho\u1ea1t \u0111\u1ed9ng s\u1ea3n xu\u1ea5t kinh doanh c\u1ee7a doanh nghi\u1ec7p. Ch\u00ednh v\u00ec th\u1ebf, vi\u1ec7c \u0111i vay v\u00e0 cho vay l\u00e0 ho\u1ea1t \u0111\u1ed9ng \u0111\u1eb7c tr\u01b0ng, th\u01b0\u1eddng xuy\u00ean v\u00e0 mang l\u1ea1i l\u1ee3i th\u1ebf c\u1ee7a c\u00e1c t\u1eadp \u0111o\u00e0n.<\/p>\n

Trong b\u1ed1i c\u1ea3nh \u0111\u00f3, quy \u0111\u1ecbnh c\u1ee7a Ngh\u1ecb \u0111\u1ecbnh 20 t\u1ea1o ra r\u00e0o c\u1ea3n vi\u1ec7c cho vay n\u1ed9i b\u1ed9 gi\u1eefa Cty m\u1eb9 v\u00e0 Cty con, l\u00e0m m\u1ea5t \u0111i kh\u1ea3 n\u0103ng \u0111i\u1ec1u ti\u1ebft s\u1ee9c m\u1ea1nh chung c\u1ee7a m\u1ed9t t\u1eadp \u0111o\u00e0n v\u00e0 c\u01a1 h\u1ed9i \u0111\u1ea7u t\u01b0 d\u00e0i h\u1ea1n v\u00e0o c\u00e1c ng\u00e0nh ngh\u1ec1 c\u1ea7n v\u1ed1n l\u1edbn, c\u00f3 \u00fd ngh\u0129a l\u00e2u d\u00e0i cho n\u1ec1n kinh t\u1ebf.<\/p>\n

Nhi Huy\u1ec1n<\/strong><\/p>\n

————<\/p>\n

X\u00e2y d\u1ef1ng (Kinh t\u1ebf) 11-12-2018:<\/em><\/strong><\/p>\n

http:\/\/www.baoxaydung.com.vn\/news\/vn\/kinh-te\/ap-tran-lai-vay-theo-nghi-dinh-20-mui-ten-chua-trung-dich.html<\/em><\/p>\n

(269\/1.807)<\/em>","protected":false},"excerpt":{"rendered":"

(XD) – T\u1ea1i sao ch\u1ec9 c\u00e1c doanh nghi\u1ec7p trong n\u01b0\u1edbc c\u00f3 \u00fd ki\u1ebfn v\u1ec1 Ngh\u1ecb \u0111\u1ecbnh 20 c\u1ee7a B\u1ed9 T\u00e0i ch\u00ednh m\u00e0 doanh nghi\u1ec7p n\u01b0\u1edbc ngo\u00e0i, nh\u00f3m doanh nghi\u1ec7p t\u1eebng c\u00f3 nhi\u1ec1u nghi v\u1ea5n v\u1ec1 tr\u1ed1n thu\u1ebf, l\u1ea1i kh\u00f4ng? Ph\u1ea3i ch\u0103ng, vi\u1ec7c doanh nghi\u1ec7p ngo\u1ea1i \u00fd ki\u1ebfn ch\u1eb3ng kh\u00e1c g\u00ec \u201cl\u1ea1y \u00f4ng t\u00f4i \u1edf b\u1ee5i […]<\/p>\n","protected":false},"author":3,"featured_media":25487,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":""},"categories":[17,26],"tags":[],"class_list":["post-25484","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-binh-luan-gop-y","category-legal-media"],"acf":[],"yoast_head":"\n2.069. \u00c1p tr\u1ea7n l\u00e3i vay theo Ngh\u1ecb \u0111\u1ecbnh 20: M\u0169i t\u00ean ch\u01b0a tr\u00fang \u0111\u00edch? - 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\/2-070-ap-tran-lai-vay-theo-nghi-dinh-20-mui-ten-chua-trung-dich\/\" \/>\n<meta property=\"og:locale\" content=\"vi_VN\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"[:vi]2.069. \u00c1p tr\u1ea7n l\u00e3i vay theo Ngh\u1ecb \u0111\u1ecbnh 20: M\u0169i t\u00ean ch\u01b0a tr\u00fang \u0111\u00edch?[:] - ANVI Law Firm\" \/>\n<meta property=\"og:description\" content=\"(XD) – T\u1ea1i sao ch\u1ec9 c\u00e1c doanh nghi\u1ec7p trong n\u01b0\u1edbc c\u00f3 \u00fd ki\u1ebfn v\u1ec1 Ngh\u1ecb \u0111\u1ecbnh 20 c\u1ee7a B\u1ed9 T\u00e0i ch\u00ednh m\u00e0 doanh nghi\u1ec7p n\u01b0\u1edbc ngo\u00e0i, nh\u00f3m doanh nghi\u1ec7p t\u1eebng c\u00f3 nhi\u1ec1u nghi v\u1ea5n v\u1ec1 tr\u1ed1n thu\u1ebf, l\u1ea1i kh\u00f4ng? 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