{"id":26007,"date":"2018-04-27T13:56:30","date_gmt":"2018-04-27T06:56:30","guid":{"rendered":"https:\/\/anvilaw.com\/vi\/?p=26007"},"modified":"2022-06-09T14:01:13","modified_gmt":"2022-06-09T07:01:13","slug":"1-815-cho-vay-vuot-gioi-han-chua-du-khung-phap-che-de-han-che-rui-ro","status":"publish","type":"post","link":"https:\/\/anvilaw.com\/vi\/1-815-cho-vay-vuot-gioi-han-chua-du-khung-phap-che-de-han-che-rui-ro\/","title":{"rendered":"1.815. Cho vay v\u01b0\u1ee3t gi\u1edbi h\u1ea1n: Ch\u01b0a \u0111\u1ee7 khung ph\u00e1p ch\u1ebf \u0111\u1ec3 h\u1ea1n ch\u1ebf r\u1ee7i ro"},"content":{"rendered":"(CL) – N\u1ebfu x\u1ea3y ra tr\u01b0\u1eddng h\u1ee3p cho vay m\u1ed9t kh\u00e1ch h\u00e0ng v\u01b0\u1ee3t qu\u00e1 100% v\u1ed1n t\u1ef1 c\u00f3 c\u1ee7a ng\u00e2n h\u00e0ng th\u00ec c\u00f3 th\u1ec3 v\u1eabn \u0111\u00fang lu\u1eadt, nh\u01b0ng n\u1ebfu kho\u1ea3n n\u1ee3 n\u00e0y r\u01a1i v\u00e0o t\u00ecnh tr\u1ea1ng n\u1ee3 x\u1ea5u th\u00ec s\u1ebd \u0111e d\u1ecda s\u1ef1 an to\u00e0n c\u1ee7a ng\u00e2n h\u00e0ng.<\/strong><\/p>\n

Ch\u00ednh ph\u1ee7 v\u1eeba ban h\u00e0nh Quy\u1ebft \u0111\u1ecbnh 13\/2018\/Q\u0110-TTg quy \u0111\u1ecbnh v\u1ec1 \u0111i\u1ec1u ki\u1ec7n, h\u1ed3 s\u01a1, tr\u00ecnh t\u1ef1 \u0111\u1ec1 ngh\u1ecb ch\u1ea5p thu\u1eadn m\u1ee9c c\u1ea5p t\u00edn d\u1ee5ng t\u1ed1i \u0111a v\u01b0\u1ee3t gi\u1edbi h\u1ea1n c\u1ee7a t\u1ed5 ch\u1ee9c t\u00edn d\u1ee5ng (TCTD), chi nh\u00e1nh ng\u00e2n h\u00e0ng n\u01b0\u1edbc ngo\u00e0i \u00e1p d\u1ee5ng \u0111\u1ed1i v\u1edbi m\u1ed9t kh\u00e1ch h\u00e0ng v\u00e0 ng\u01b0\u1eddi c\u00f3 li\u00ean quan v\u1edbi m\u1ed9t s\u1ed1 \u0111i\u1ec1u ki\u1ec7n.<\/p>\n

Ng\u00e0y 1\/5 t\u1edbi, Quy\u1ebft \u0111\u1ecbnh s\u1ed1 13\/2018\/Q\u0110-TTg c\u1ee7a Th\u1ee7 t\u01b0\u1edbng Ch\u00ednh ph\u1ee7 quy \u0111\u1ecbnh v\u1ec1 \u0111i\u1ec1u ki\u1ec7n, h\u1ed3 s\u01a1, tr\u00ecnh t\u1ef1 \u0111\u1ec1 ngh\u1ecb ch\u1ea5p thu\u1eadn m\u1ee9c c\u1ea5p t\u00edn d\u1ee5ng t\u1ed1i \u0111a v\u01b0\u1ee3t gi\u1edbi h\u1ea1n c\u1ee7a t\u1ed5 ch\u1ee9c t\u00edn d\u1ee5ng, chi nh\u00e1nh ng\u00e2n h\u00e0ng n\u01b0\u1edbc ngo\u00e0i s\u1ebd c\u00f3 hi\u1ec7u l\u1ef1c ph\u00e1p lu\u1eadt. \u0110\u00e2y kh\u00f4ng ph\u1ea3i l\u00e0 c\u01a1 ch\u1ebf m\u1edbi, nh\u01b0ng quy \u0111\u1ecbnh m\u1edbi \u0111\u00e3 \u0111\u1ec1 c\u1eadp c\u00e1c \u0111i\u1ec1u ki\u1ec7n xem x\u00e9t kho\u1ea3n c\u1ea5p t\u00edn d\u1ee5ng v\u01b0\u1ee3t gi\u1edbi h\u1ea1n v\u00e0 \u0111\u01b0a ra m\u1eabu s\u1ed1 chung \u0111\u1ec3 c\u00e1c b\u00ean \u00e1p d\u1ee5ng.<\/p>\n

M\u1ee9c c\u1ea5p t\u00edn d\u1ee5ng t\u1ed1i \u0111a n\u00e0y \u00e1p d\u1ee5ng \u0111\u1ed1i v\u1edbi m\u1ed9t kh\u00e1ch h\u00e0ng v\u00e0 ng\u01b0\u1eddi c\u00f3 li\u00ean quan theo quy \u0111\u1ecbnh t\u1ea1i c\u00e1c kho\u1ea3n 1, 2, 7, \u0110i\u1ec1u 128, Lu\u1eadt s\u1eeda \u0111\u1ed5i, b\u1ed5 sung m\u1ed9t s\u1ed1 \u0111i\u1ec1u c\u1ee7a Lu\u1eadt C\u00e1c t\u1ed5 ch\u1ee9c t\u00edn d\u1ee5ng 2010. \u1ede m\u1eb7t t\u00edch c\u1ef1c, quy\u1ebft \u0111\u1ecbnh tr\u00ean \u0111\u00e3 t\u1ea1o th\u00eam nhi\u1ec1u d\u01b0 \u0111\u1ecba \u0111\u1ec3 TCTD t\u1ef1 ch\u1ee7 trong vi\u1ec7c c\u1ea5p t\u00edn d\u1ee5ng, d\u1ef1a tr\u00ean kh\u1ea9u v\u1ecb r\u1ee7i ro v\u00e0 chi\u1ebfn l\u01b0\u1ee3c ho\u1ea1t \u0111\u1ed9ng c\u1ee7a ri\u00eang m\u00ecnh m\u00e0 \u00edt b\u1ecb c\u1ea3n tr\u1edf b\u1edfi c\u00f9ng m\u1ed9t chi\u1ebfc \u00e1o – quy \u0111\u1ecbnh ho\u1ea1t \u0111\u1ed9ng – \u201cmay \u0111o\u201d b\u1edfi Ng\u00e2n h\u00e0ng Nh\u00e0 n\u01b0\u1edbc (NHNN) chung cho c\u1ea3 h\u1ec7 th\u1ed1ng, mi\u1ec5n l\u00e0 c\u00e1c ti\u00eau ch\u00ed, gi\u1edbi h\u1ea1n v\u00e0 t\u1ef7 l\u1ec7 \u0111\u1ea3m b\u1ea3o an to\u00e0n kh\u00f4ng b\u1ecb vi ph\u1ea1m.<\/p>\n

Ng\u01b0\u1ee3c l\u1ea1i, quy\u1ebft \u0111\u1ecbnh n\u00e0y l\u00e0m g\u1ee3n l\u00ean lo ng\u1ea1i c\u00f3 th\u1ec3 b\u1ecb l\u1ee3i d\u1ee5ng \u0111\u1ec3 m\u1ed9t s\u1ed1 doanh nghi\u1ec7p \u0111\u1ea7u t\u01b0 v\u00e0o nh\u1eefng d\u1ef1 \u00e1n \u0111\u01b0\u1ee3c ph\u00e9p cho vay v\u01b0\u1ee3t gi\u1edbi h\u1ea1n theo ki\u1ec3u \u201ctay kh\u00f4ng b\u1eaft gi\u1eb7c\u201d, trong r\u1ea5t nhi\u1ec1u ng\u00e0nh ngh\u1ec1, l\u0129nh v\u1ef1c \u0111\u01b0\u1ee3c quy \u0111\u1ecbnh kh\u00e1 chung chung nh\u01b0 \u201cd\u1ef1 \u00e1n, ph\u01b0\u01a1ng \u00e1n c\u00f3 \u00fd ngh\u0129a kinh t\u1ebf – x\u00e3 h\u1ed9i quan tr\u1ecdng, c\u1ea5p thi\u1ebft nh\u1eb1m th\u1ef1c hi\u1ec7n nhi\u1ec7m v\u1ee5 ph\u00e1t tri\u1ec3n kinh t\u1ebf x\u00e3 h\u1ed9i, ph\u1ee5c v\u1ee5 nhu c\u1ea7u thi\u1ebft y\u1ebfu c\u1ee7a \u0111\u1eddi s\u1ed1ng nh\u00e2n d\u00e2n thu\u1ed9c c\u00e1c ng\u00e0nh, l\u0129nh v\u1ef1c: \u0111i\u1ec7n, than, d\u1ea7u kh\u00ed, x\u0103ng d\u1ea7u, giao th\u00f4ng, v\u1eadn t\u1ea3i c\u00f4ng c\u1ed9ng v\u00e0 c\u00e1c l\u0129nh v\u1ef1c kh\u00e1c theo ch\u1ec9 \u0111\u1ea1o c\u1ee7a Ch\u00ednh ph\u1ee7, Th\u1ee7 t\u01b0\u1edbng Ch\u00ednh ph\u1ee7 t\u1eebng th\u1eddi k\u1ef3\u201d, v\u00e0 \u201cc\u00e1c ch\u01b0\u01a1ng tr\u00ecnh, d\u1ef1 \u00e1n \u0111\u1ea7u t\u01b0 \u0111\u01b0\u1ee3c Qu\u1ed1c h\u1ed9i ho\u1eb7c Th\u1ee7 t\u01b0\u1edbng Ch\u00ednh ph\u1ee7 quy\u1ebft \u0111\u1ecbnh ch\u1ee7 tr\u01b0\u01a1ng \u0111\u1ea7u t\u01b0; \u0111\u1ea7u t\u01b0 v\u00e0o c\u00e1c l\u0129nh v\u1ef1c \u01b0u ti\u00ean, khuy\u1ebfn kh\u00edch theo ngh\u1ecb quy\u1ebft c\u1ee7a Qu\u1ed1c h\u1ed9i, Ch\u00ednh ph\u1ee7 v\u1ec1 ph\u00e1t tri\u1ec3n kinh t\u1ebf – x\u00e3 h\u1ed9i trong t\u1eebng th\u1eddi k\u1ef3\u201d. Nhi\u1ec1u lu\u1eadt s\u01b0 cho r\u1eb1ng, quy \u0111\u1ecbnh nh\u01b0 tr\u00ean l\u00e0 ch\u01b0a \u0111\u1ee7.<\/p>\n

\u0110\u1eb7c bi\u1ec7t, lu\u1eadt kh\u00f4ng quy \u0111\u1ecbnh gi\u1edbi h\u1ea1n \u0111\u01b0\u1ee3c v\u01b0\u1ee3t d\u1eabn \u0111\u1ebfn m\u1ee9c \u0111\u1ed9 r\u1ee7i ro m\u1ea5t v\u1ed1n c\u1ee7a t\u1ed5 ch\u1ee9c t\u00edn d\u1ee5ng r\u1ea5t l\u1edbn. Tr\u00ean th\u1ef1c t\u1ebf, doanh nghi\u1ec7p c\u00f3 th\u1ec3 ho\u00e0n thi\u1ec7n b\u1ed9 h\u1ed3 s\u01a1 b\u1eb1ng nh\u1eefng c\u00f4ng ty \u201cs\u00e2n sau\u201d, ho\u1eb7c l\u1ee3i d\u1ee5ng ch\u00ednh s\u00e1ch ng\u00e2n h\u00e0ng \u0111\u1ea9y nhanh gi\u1ea3i ng\u00e2n \u0111\u1ec3 \u201cl\u00e0m \u1ea9u\u201d, l\u00e0m li\u1ec1u. Th\u1eadm ch\u00ed, c\u00f3 tr\u01b0\u1eddng h\u1ee3p c\u00e1n b\u1ed9 ng\u00e2n h\u00e0ng \u201cb\u1eaft tay\u201d v\u1edbi doanh nghi\u1ec7p \u0111\u1ec3 h\u1ee3p th\u1ee9c h\u00f3a h\u1ed3 s\u01a1. Cho vay v\u01b0\u1ee3t gi\u1edbi h\u1ea1n c\u00f3 th\u1ec3 d\u1eabn \u0111\u1ebfn th\u1ea5t b\u1ea1i c\u1ee7a ng\u00e2n h\u00e0ng. M\u1ed9t d\u1ef1 \u00e1n ngh\u00ecn t\u1ef7 c\u00f3 th\u1ec3 kh\u00f4ng sao, nh\u01b0ng 10 d\u1ef1 \u00e1n ngh\u00ecn t\u1ef7, ng\u00e2n h\u00e0ng s\u1ebd ch\u1ebft. Tr\u00ean th\u1ef1c t\u1ebf, c\u00e1c quy \u0111\u1ecbnh m\u1edbi nh\u1eb1m v\u00e0o \u0111\u1ed1i t\u01b0\u1ee3ng l\u00e0 c\u00e1c c\u00f4ng ty qu\u1ed1c doanh.<\/p>\n

C\u00e1c c\u00f4ng ty c\u1ed5 ph\u1ea7n n\u1ebfu c\u00f3 th\u00ec ch\u1ec9 \u201ck\u00e9 theo\u201d, v\u00ec kh\u00f4ng th\u1ec3 c\u1ea7m tr\u1ecbch c\u00e1c d\u1ef1 \u00e1n l\u1edbn. Quy\u1ebft \u0111\u1ecbnh tr\u00ean s\u1ebd t\u1ea1o ra g\u00e1nh n\u1eb7ng, \u00e1p l\u1ef1c (v\u00e0 c\u1ea3 \u0111\u1eb7c quy\u1ec1n) l\u1edbn cho vi\u1ec7c qu\u1ea3n l\u00fd v\u00e0 ph\u00ea chu\u1ea9n d\u1ef1 \u00e1n cho NHNN, c\u00e1c b\u1ed9, ng\u00e0nh, \u0111\u1ecba ph\u01b0\u01a1ng v\u00e0 Ch\u00ednh ph\u1ee7, Th\u1ee7 t\u01b0\u1edbng. Theo quy \u0111\u1ecbnh, m\u1ecdi kho\u1ea3n vay v\u01b0\u1ee3t gi\u1edbi h\u1ea1n \u0111\u1ec1u ph\u1ea3i \u0111\u01b0\u1ee3c b\u00e1o c\u00e1o, gi\u1ea3i tr\u00ecnh tr\u01b0\u1edbc ti\u00ean v\u1edbi NHNN, sau \u0111\u00f3, th\u00f4ng qua NHNN, \u0111\u1ebfn c\u00e1c b\u1ed9, ng\u00e0nh, \u0111\u1ecba ph\u01b0\u01a1ng v\u00e0 cu\u1ed1i c\u00f9ng l\u00ean Th\u1ee7 t\u01b0\u1edbng. Nh\u01b0 v\u1eady, nh\u1eefng giao d\u1ecbch c\u1ea5p t\u00edn d\u1ee5ng gi\u1eefa TCTD v\u00e0 kh\u00e1ch h\u00e0ng c\u1ee7a h\u1ecd, v\u1ed1n thu\u1ea7n t\u00fay mang t\u00ednh th\u01b0\u01a1ng m\u1ea1i, \u0111\u00e3 b\u1ecb bi\u1ebfn th\u00e0nh giao d\u1ecbch mang t\u00ednh h\u00e0nh ch\u00ednh, c\u00f3 h\u01a1i h\u01b0\u1edbng xin – cho, \u201chuy \u0111\u1ed9ng c\u1ea3 h\u1ec7 th\u1ed1ng ch\u00ednh tr\u1ecb\u201d, l\u00ean \u0111\u1ebfn t\u1eadn c\u1ea5p Th\u1ee7 t\u01b0\u1edbng. Tr\u1eeb khi c\u1ea3 n\u01b0\u1edbc ch\u1ec9 c\u00f3 m\u1ed9t v\u00e0i d\u1ef1 \u00e1n thu\u1ed9c d\u1ea1ng n\u00e0y, n\u1ebfu kh\u00f4ng s\u1ebd kh\u00f3 m\u00e0 t\u00ednh \u0111\u01b0\u1ee3c ph\u00ed t\u1ed5n x\u00e3 h\u1ed9i v\u00e0 c\u1ea3 nh\u1eefng r\u1ee7i ro li\u00ean quan cho nh\u1eefng vi\u1ec7c nh\u01b0 v\u1eady.<\/p>\n

Tuy c\u00f3 th\u1ec3 nh\u1eefng quy \u0111\u1ecbnh t\u01b0\u01a1ng t\u1ef1 nh\u01b0 th\u1ebf n\u00e0y l\u00e0 c\u1ea7n thi\u1ebft \u1edf m\u1ed9t kh\u00eda c\u1ea1nh n\u00e0o \u0111\u00f3, trong ng\u1eafn h\u1ea1n, nh\u01b0ng c\u1ea7n thi\u1ebft ph\u1ea3i \u0111\u01b0\u1ee3c h\u1ea1n ch\u1ebf v\u00e0 h\u1ee7y b\u1ecf trong th\u1eddi gian t\u1edbi \u0111\u1ec3 n\u1ec1n kinh t\u1ebf n\u00f3i chung v\u00e0 h\u1ec7 th\u1ed1ng TCTD n\u00f3i ri\u00eang v\u1eadn h\u00e0nh theo \u0111\u00fang quy lu\u1eadt th\u1ecb tr\u01b0\u1eddng, minh b\u1ea1ch v\u00e0 kh\u00f4ng c\u00f3 c\u00e1c gi\u1ea5y ph\u00e9p \u201ccon\u201d d\u01b0\u1edbi d\u1ea1ng c\u00e1c b\u1ea3n gi\u1ea3i tr\u00ecnh, xin x\u1ecf c\u00e1c c\u01a1 quan qu\u1ea3n l\u00fd ch\u1ee9c n\u0103ng. Theo quy \u0111\u1ecbnh, kh\u00e1ch h\u00e0ng ph\u1ea3i \u0111\u00e1p \u1ee9ng \u0111\u1ee7 \u0111i\u1ec1u ki\u1ec7n c\u1ea5p t\u00edn d\u1ee5ng, kh\u00f4ng c\u00f3 n\u1ee3 x\u1ea5u trong 3 n\u0103m li\u1ec1n tr\u01b0\u1edbc n\u0103m \u0111\u1ec1 ngh\u1ecb c\u1ea5p t\u00edn d\u1ee5ng v\u01b0\u1ee3t gi\u1edbi h\u1ea1n, c\u00f3 h\u1ec7 s\u1ed1 n\u1ee3 ph\u1ea3i tr\u1ea3 kh\u00f4ng qu\u00e1 ba l\u1ea7n v\u1ed1n ch\u1ee7 s\u1edf h\u1eefu \u0111\u01b0\u1ee3c ghi tr\u00ean b\u00e1o c\u00e1o t\u00e0i ch\u00ednh qu\u00fd ho\u1eb7c b\u00e1o c\u00e1o t\u00e0i ch\u00ednh n\u0103m c\u1ee7a kh\u00e1ch h\u00e0ng t\u1ea1i th\u1eddi \u0111i\u1ec3m g\u1ea7n nh\u1ea5t v\u1edbi th\u1eddi \u0111i\u1ec3m \u0111\u1ec1 ngh\u1ecb c\u1ea5p t\u00edn d\u1ee5ng v\u01b0\u1ee3t gi\u1edbi h\u1ea1n. Ho\u1eb7c kh\u00e1ch h\u00e0ng c\u00f3 nhu c\u1ea7u v\u1ed1n \u0111\u1ec3 th\u1ef1c hi\u1ec7n c\u00e1c d\u1ef1 \u00e1n, ph\u01b0\u01a1ng \u00e1n s\u1ea3n xu\u1ea5t – kinh doanh nh\u1eb1m th\u1ef1c hi\u1ec7n nhi\u1ec7m v\u1ee5 ph\u00e1t tri\u1ec3n kinh t\u1ebf – x\u00e3 h\u1ed9i thu\u1ed9c m\u1ed9t trong c\u00e1c tr\u01b0\u1eddng h\u1ee3p x\u00e1c \u0111\u1ecbnh trong quy\u1ebft \u0111\u1ecbnh tr\u00ean.<\/p>\n

Theo lu\u1eadt s\u01b0 Tr\u01b0\u01a1ng Thanh \u0110\u1ee9c, Gi\u00e1m \u0111\u1ed1c C\u00f4ng ty Lu\u1eadt ANVI, c\u00e1c quy \u0111\u1ecbnh m\u1edbi ch\u1ec9 l\u00e0m r\u00f5 th\u1ee7 t\u1ee5c, tr\u00ecnh t\u1ef1 v\u1ec1 cho vay v\u01b0\u1ee3t qu\u00e1 gi\u1edbi h\u1ea1n, nh\u01b0ng ch\u01b0a n\u00eau r\u00f5 v\u1ec1 \u0111i\u1ec1u ki\u1ec7n. C\u00e1c \u0111i\u1ec1u ki\u1ec7n ch\u1ec9 \u0111\u01b0\u1ee3c nh\u1eafc t\u1edbi m\u1ed9t c\u00e1ch kh\u00e1 chung chung nh\u01b0 kh\u00e1ch h\u00e0ng c\u00f3 nhu c\u1ea7u tri\u1ec3n khai c\u00e1c d\u1ef1 \u00e1n, ph\u01b0\u01a1ng \u00e1n c\u00f3 \u00fd ngh\u0129a kinh t\u1ebf v\u00ec l\u00fd do ph\u00e1t tri\u1ec3n kinh t\u1ebf – x\u00e3 h\u1ed9i quan tr\u1ecdng c\u1ea5p thi\u1ebft nh\u1eb1m th\u1ef1c hi\u1ec7n nhi\u1ec7m v\u1ee5 ph\u00e1t tri\u1ec3n kinh t\u1ebf – x\u00e3 h\u1ed9i, ph\u1ee5c v\u1ee5 nhu c\u1ea7u thi\u1ebft y\u1ebfu c\u1ee7a \u0111\u1eddi s\u1ed1ng nh\u00e2n d\u00e2n thu\u1ed9c c\u00e1c ng\u00e0nh, l\u0129nh v\u1ef1c nh\u01b0 \u0111i\u1ec7n, than, d\u1ea7u kh\u00ed, x\u0103ng d\u1ea7u, giao th\u00f4ng, v\u1eadn t\u1ea3i c\u00f4ng c\u1ed9ng v\u00e0 c\u00e1c l\u0129nh v\u1ef1c kh\u00e1c theo ch\u1ec9 \u0111\u1ea1o c\u1ee7a Ch\u00ednh ph\u1ee7, Th\u1ee7 t\u01b0\u1edbng Ch\u00ednh ph\u1ee7 t\u1eebng th\u1eddi k\u1ef3. V\u1edbi quy \u0111\u1ecbnh n\u00e0y, TCTD s\u1ebd ph\u1ea3i th\u1eadn tr\u1ecdng khi cho vay v\u01b0\u1ee3t gi\u1edbi h\u1ea1n v\u1edbi kh\u00e1ch h\u00e0ng \u0111\u1ec3 tu\u00e2n th\u1ee7 c\u00e1c gi\u1edbi h\u1ea1n v\u00e0 t\u1ef7 l\u1ec7 \u0111\u1ea3m b\u1ea3o an to\u00e0n.\u00a0<\/em><\/p>\n

Ng\u01b0\u1ee3c l\u1ea1i, n\u1ebfu NHNN mu\u1ed1n h\u1ea1n ch\u1ebf t\u00edn d\u1ee5ng v\u00e0o nh\u1eefng l\u0129nh v\u1ef1c m\u00e0 h\u1ecd cho l\u00e0 r\u1ee7i ro nh\u01b0 BOT giao th\u00f4ng, B\u1ea5t \u0111\u1ed9ng s\u1ea3n, Ch\u1ee9ng kho\u00e1n th\u00ec h\u1ecd c\u00f3 th\u1ec3 n\u00e2ng c\u00e1c gi\u1edbi h\u1ea1n v\u00e0 t\u1ef7 l\u1ec7 \u0111\u1ea3m b\u1ea3o an to\u00e0n n\u00e0y nh\u01b0 l\u00e0 nh\u1eefng c\u00e1i van h\u00e3m d\u00f2ng t\u00edn d\u1ee5ng v\u00e0o nh\u1eefng l\u0129nh v\u1ef1c m\u00e0 h\u1ecd kh\u00f4ng khuy\u1ebfn kh\u00edch, m\u1eb7c d\u00f9 c\u00e1c l\u0129nh v\u1ef1c n\u00e0y c\u00f3 th\u1ec3 l\u00e0 nh\u1eefng l\u0129nh v\u1ef1c \u0111\u01b0\u1ee3c ph\u00e9p cho vay v\u01b0\u1ee3t gi\u1edbi h\u1ea1n.\/.<\/p>\n

C\u1ea9m T\u00fa<\/strong><\/p>\n

————-<\/p>\n

Nh\u00e0 b\u00e1o & C\u00f4ng lu\u1eadn (Kinh t\u1ebf) 27-4-2018:<\/em><\/strong><\/p>\n

http:\/\/congluan.vn\/kinh-te\/tai-chinh-bao-hiem\/cho-vay-vuot-gioi-han-chua-du-khung-phap-che-de-han-che-rui-ro-36052<\/em><\/a><\/p>\n

(175\/1.309)<\/em>","protected":false},"excerpt":{"rendered":"

(CL) – N\u1ebfu x\u1ea3y ra tr\u01b0\u1eddng h\u1ee3p cho vay m\u1ed9t kh\u00e1ch h\u00e0ng v\u01b0\u1ee3t qu\u00e1 100% v\u1ed1n t\u1ef1 c\u00f3 c\u1ee7a ng\u00e2n h\u00e0ng th\u00ec c\u00f3 th\u1ec3 v\u1eabn \u0111\u00fang lu\u1eadt, nh\u01b0ng n\u1ebfu kho\u1ea3n n\u1ee3 n\u00e0y r\u01a1i v\u00e0o t\u00ecnh tr\u1ea1ng n\u1ee3 x\u1ea5u th\u00ec s\u1ebd \u0111e d\u1ecda s\u1ef1 an to\u00e0n c\u1ee7a ng\u00e2n h\u00e0ng. Ch\u00ednh ph\u1ee7 v\u1eeba ban h\u00e0nh Quy\u1ebft \u0111\u1ecbnh […]<\/p>\n","protected":false},"author":3,"featured_media":23397,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":""},"categories":[17,26],"tags":[],"class_list":["post-26007","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-binh-luan-gop-y","category-legal-media"],"acf":[],"yoast_head":"\n1.815. Cho vay v\u01b0\u1ee3t gi\u1edbi h\u1ea1n: Ch\u01b0a \u0111\u1ee7 khung ph\u00e1p ch\u1ebf \u0111\u1ec3 h\u1ea1n ch\u1ebf r\u1ee7i ro - 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\/1-815-cho-vay-vuot-gioi-han-chua-du-khung-phap-che-de-han-che-rui-ro\/\" \/>\n<meta property=\"og:locale\" content=\"vi_VN\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"[:vi]1.815. Cho vay v\u01b0\u1ee3t gi\u1edbi h\u1ea1n: Ch\u01b0a \u0111\u1ee7 khung ph\u00e1p ch\u1ebf \u0111\u1ec3 h\u1ea1n ch\u1ebf r\u1ee7i ro[:] - ANVI Law Firm\" \/>\n<meta property=\"og:description\" content=\"(CL) – N\u1ebfu x\u1ea3y ra tr\u01b0\u1eddng h\u1ee3p cho vay m\u1ed9t kh\u00e1ch h\u00e0ng v\u01b0\u1ee3t qu\u00e1 100% v\u1ed1n t\u1ef1 c\u00f3 c\u1ee7a ng\u00e2n h\u00e0ng th\u00ec c\u00f3 th\u1ec3 v\u1eabn \u0111\u00fang lu\u1eadt, nh\u01b0ng n\u1ebfu kho\u1ea3n n\u1ee3 n\u00e0y r\u01a1i v\u00e0o t\u00ecnh tr\u1ea1ng n\u1ee3 x\u1ea5u th\u00ec s\u1ebd \u0111e d\u1ecda s\u1ef1 an to\u00e0n c\u1ee7a ng\u00e2n h\u00e0ng. Ch\u00ednh ph\u1ee7 v\u1eeba ban h\u00e0nh Quy\u1ebft \u0111\u1ecbnh […]\" \/>\n<meta property=\"og:url\" content=\"https:\/\/anvilaw.com\/vi\/1-815-cho-vay-vuot-gioi-han-chua-du-khung-phap-che-de-han-che-rui-ro\/\" \/>\n<meta property=\"og:site_name\" content=\"ANVI Law Firm\" \/>\n<meta property=\"article:publisher\" content=\"https:\/\/facebook.com\/anvilawfirm\" \/>\n<meta property=\"article:published_time\" content=\"2018-04-27T06:56:30+00:00\" \/>\n<meta property=\"article:modified_time\" content=\"2022-06-09T07:01:13+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/anvilaw.com\/wp-content\/uploads\/2022\/05\/10-3.jpg\" \/>\n\t<meta property=\"og:image:width\" content=\"640\" \/>\n\t<meta property=\"og:image:height\" content=\"385\" \/>\n\t<meta property=\"og:image:type\" content=\"image\/jpeg\" \/>\n<meta name=\"author\" content=\"Tr\u01b0\u01a1ng Trung Ngh\u0129a\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:creator\" content=\"@anvilawfirm\" \/>\n<meta name=\"twitter:site\" content=\"@anvilawfirm\" \/>\n<meta name=\"twitter:label1\" content=\"\u0110\u01b0\u1ee3c vi\u1ebft b\u1edfi\" \/>\n\t<meta name=\"twitter:data1\" content=\"Tr\u01b0\u01a1ng Trung Ngh\u0129a\" \/>\n\t<meta name=\"twitter:label2\" content=\"\u01af\u1edbc t\u00ednh th\u1eddi gian \u0111\u1ecdc\" \/>\n\t<meta name=\"twitter:data2\" content=\"10 ph\u00fat\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\\\/\\\/schema.org\",\"@graph\":[{\"@type\":\"Article\",\"@id\":\"https:\\\/\\\/anvilaw.com\\\/vi\\\/1-815-cho-vay-vuot-gioi-han-chua-du-khung-phap-che-de-han-che-rui-ro\\\/#article\",\"isPartOf\":{\"@id\":\"https:\\\/\\\/anvilaw.com\\\/vi\\\/1-815-cho-vay-vuot-gioi-han-chua-du-khung-phap-che-de-han-che-rui-ro\\\/\"},\"author\":{\"name\":\"Tr\u01b0\u01a1ng Trung Ngh\u0129a\",\"@id\":\"https:\\\/\\\/anvilaw.com\\\/vi\\\/#\\\/schema\\\/person\\\/28ef9093c3478d1b1ba56f61255ebe7a\"},\"headline\":\"1.815. 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