{"id":2616,"date":"2019-04-10T16:34:19","date_gmt":"2019-04-10T09:34:19","guid":{"rendered":"https:\/\/anvilaw.com\/vi\/?p=2616"},"modified":"2022-04-10T22:10:03","modified_gmt":"2022-04-10T15:10:03","slug":"311-binh-luan-du-thao-thong-tu-sua-doi-bo-sung-thong-tu-quy-dinh-cho-vay-tieu-dung-cua-cong-ty-tai-chinh","status":"publish","type":"post","link":"https:\/\/anvilaw.com\/vi\/311-binh-luan-du-thao-thong-tu-sua-doi-bo-sung-thong-tu-quy-dinh-cho-vay-tieu-dung-cua-cong-ty-tai-chinh\/","title":{"rendered":"331. B\u00ecnh lu\u1eadn D\u1ef1 th\u1ea3o Th\u00f4ng t\u01b0 s\u1eeda \u0111\u1ed5i, b\u1ed5 sung Th\u00f4ng t\u01b0 Quy \u0111\u1ecbnh cho vay ti\u00eau d\u00f9ng c\u1ee7a c\u00f4ng ty t\u00e0i ch\u00ednh."},"content":{"rendered":"(ANVI) – Lu\u1eadt s\u01b0 Tr\u01b0\u01a1ng Thanh \u0110\u1ee9c<\/em><\/strong>, Gi\u00e1m \u0111\u1ed1c C\u00f4ng ty Lu\u1eadt ANVI<\/em><\/strong>, Tr\u1ecdng t\u00e0i vi\u00ean VIAC<\/em><\/strong>, b\u00ecnh lu\u1eadn theo y\u00eau c\u1ea7u c\u1ee7a VCCI. \u00a0 \u00a0\u00a0<\/em><\/strong><\/p>\n

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B\u00ecnh lu\u1eadn D\u1ef1 th\u1ea3o Th\u00f4ng t\u01b0 s\u1eeda \u0111\u1ed5i, b\u1ed5 sung m\u1ed9t s\u1ed1 \u0111i\u1ec1u c\u1ee7a Th\u00f4ng t\u01b0 s\u1ed1 43\/2016\/TT-NHNN ng\u00e0y 30-12-2016 c\u1ee7a Th\u1ed1ng \u0111\u1ed1c Ng\u00e2n h\u00e0ng Nh\u00e0 n\u01b0\u1edbc Vi\u1ec7t Nam \u201cQuy \u0111\u1ecbnh cho vay ti\u00eau d\u00f9ng c\u1ee7a c\u00f4ng ty t\u00e0i ch\u00ednh\u201d.<\/em><\/p>\n

1. V\u1ec1 h\u1ea1n ch\u1ebf gi\u1ea3i ng\u00e2n b\u1eb1ng ti\u1ec1n m\u1eb7t:<\/strong><\/p>\n

1.1. Vi\u1ec7c cho vay c\u1ee7a c\u00e1c t\u1ed5 ch\u1ee9c t\u00edn d\u1ee5ng c\u1ea7n ph\u1ea3i s\u1eed d\u1ee5ng c\u00e1c ph\u01b0\u01a1ng ti\u1ec7n thanh to\u00e1n \u0111\u1ec3 gi\u1ea3i ng\u00e2n v\u1ed1n vay, h\u1ea1n ch\u1ebf gi\u1ea3i ng\u00e2n b\u1eb1ng ti\u1ec1n m\u1eb7t. Tuy nhi\u00ean theo D\u1ef1 th\u1ea3o, vi\u1ec7c gi\u1ea3i ng\u00e2n tr\u1ef1c ti\u1ebfp cho kh\u00e1ch h\u00e0ng vay ch\u1ec9 \u0111\u01b0\u1ee3c th\u1ef1c hi\u1ec7n \u0111\u1ed1i v\u1edbi kh\u00e1ch h\u00e0ng \u0111\u01b0\u1ee3c c\u00f4ng ty t\u00e0i ch\u00ednh \u0111\u00e1nh gi\u00e1 l\u00e0 c\u00f3 l\u1ecbch s\u1eed tr\u1ea3 n\u1ee3 t\u1ed1t v\u00e0 kh\u00f4ng c\u00f3 n\u1ee3 x\u1ea5u t\u1ea1i c\u00e1c t\u1ed5 ch\u1ee9c t\u00edn d\u1ee5ng, \u0111\u1ed3ng th\u1eddi t\u1ed5ng d\u01b0 n\u1ee3 cho vay ti\u00eau d\u00f9ng gi\u1ea3i ng\u00e2n tr\u1ef1c ti\u1ebfp cho kh\u00e1ch h\u00e0ng vay kh\u00f4ng v\u01b0\u1ee3t qu\u00e1 30% t\u1ed5ng d\u01b0 n\u1ee3 t\u00edn d\u1ee5ng ti\u00eau d\u00f9ng c\u1ee7a c\u00f4ng ty t\u00e0i ch\u00ednh.<\/p>\n

1.2. Do tr\u01b0\u1edbc \u0111\u00e2y ch\u01b0a quy \u0111\u1ecbnh b\u1eaft bu\u1ed9c ph\u1ea3i gi\u1ea3i ng\u00e2n kh\u00f4ng b\u1eb1ng ti\u1ec1n m\u1eb7t, n\u00ean quy \u0111\u1ecbnh n\u00e0y l\u00e0 qu\u00e1 ch\u1eb7t, kh\u00f4ng h\u1ee3p l\u00fd, c\u1ea7n xem x\u00e9t \u00e1p d\u1ee5ng theo l\u1ed9 tr\u00ecnh thay \u0111\u1ed5i t\u1eebng b\u01b0\u1edbc cho ph\u00f9 h\u1ee3p v\u1edbi th\u1ef1c t\u1ebf. Ch\u1eb3ng h\u1ea1n, c\u1ea7n quy \u0111\u1ecbnh ph\u00f9 h\u1ee3p v\u1edbi c\u00e1c tr\u01b0\u1eddng h\u1ee3p kh\u00e1ch h\u00e0ng vay l\u1ea7n \u0111\u1ea7u, th\u00ec kh\u00f4ng c\u0103n c\u1ee9 v\u00e0o l\u1ecbch s\u1eed tr\u1ea3 n\u1ee3 t\u1ea1i ch\u00ednh c\u00f4ng ty cho vay. \u0110\u1ed1i v\u1edbi t\u1ed5ng t\u01b0 n\u1ee3 cho vay ti\u00eau d\u00f9ng gi\u1ea3i ng\u00e2n tr\u1ef1c ti\u1ebfp cho kh\u00e1ch h\u00e0ng hay n\u00ean xem x\u00e9t \u1edf m\u1ee9c kh\u00f4ng v\u01b0\u1ee3t qu\u00e1 kho\u1ea3ng 70% thay v\u00ec 30% trong m\u1ed9t s\u1ed1 n\u0103m tr\u01b0\u1edbc m\u1eaft.<\/p>\n

2. V\u1ec1 tr\u1ea7n l\u00e3i su\u1ea5t cho vay ti\u00eau d\u00f9ng:<\/strong><\/p>\n

2.1. Tr\u1ea7n l\u00e3i su\u1ea5t \u0111\u1ed1i v\u1edbi cho vay n\u00f3i chung kh\u00f4ng c\u00f3 ngo\u1ea1i l\u1ec7, trong \u0111\u00f3 c\u00f3 cho vay c\u1ea7m \u0111\u1ed3; cho vay ngang h\u00e0ng; h\u1ecd, h\u1ee5i, bi\u00eau, ph\u01b0\u1eddng,\u2026 l\u00e0 20%\/n\u0103m theo quy \u0111\u1ecbnh t\u1ea1i \u0110i\u1ec1u 468 v\u1ec1 \u201cL\u00e3i su\u1ea5t\u201d, B\u1ed9 lu\u1eadt D\u00e2n s\u1ef1 n\u0103m 2015. Trong khi \u0111\u00f3, c\u00e1c t\u1ed5 ch\u1ee9c t\u00edn d\u1ee5ng n\u00f3i chung v\u00e0 c\u00f4ng ty t\u00e0i ch\u00ednh ti\u00eau d\u00f9ng n\u00f3i ri\u00eang kh\u00f4ng b\u1ecb kh\u1ed1ng ch\u1ebf b\u1edfi tr\u1ea7n l\u00e3i su\u1ea5t n\u00e0y, theo h\u01b0\u1edbng d\u1eabn t\u1ea1i \u0110i\u1ec1u 7 v\u1ec1 \u201c\u00c1p d\u1ee5ng ph\u00e1p lu\u1eadt v\u1ec1 l\u00e3i, l\u00e3i su\u1ea5t trong h\u1ee3p \u0111\u1ed3ng t\u00edn d\u1ee5ng\u201d, Ngh\u1ecb quy\u1ebft s\u1ed1 01\/2019\/NQ-H\u0110TP ng\u00e0y 11-01-2019 c\u1ee7a H\u1ed9i \u0111\u1ed3ng Th\u1ea9m ph\u00e1n To\u00e0 \u00e1n nh\u00e2n d\u00e2n t\u1ed1i cao \u201cH\u01b0\u1edbng d\u1eabn \u00e1p d\u1ee5ng m\u1ed9t s\u1ed1 quy \u0111\u1ecbnh c\u1ee7a ph\u00e1p lu\u1eadt v\u1ec1 l\u00e3i, l\u00e3i su\u1ea5t, ph\u1ea1t vi ph\u1ea1m\u201d. \u0110\u1ed1i v\u1edbi c\u00e1c t\u1ed5 ch\u1ee9c t\u00edn d\u1ee5ng, vi\u1ec7c t\u1ef1 do tho\u1ea3 thu\u1eadn l\u00e3i su\u1ea5t theo th\u1ecb tr\u01b0\u1eddng l\u00e0 ho\u00e0n to\u00e0n \u0111\u00fang \u0111\u1eafn v\u00e0 h\u1ee3p l\u00fd.<\/p>\n

2.2. Tuy nhi\u00ean, trong giai \u0111o\u1ea1n hi\u1ec7n nay, c\u1ea7n xem x\u00e9t \u1ea5n \u0111\u1ecbnh m\u1ed9t m\u1ee9c tr\u1ea7n l\u00e3i su\u1ea5t \u0111\u1ec3 h\u1ea1n ch\u1ebf t\u00ecnh tr\u1ea1ng l\u00e3i su\u1ea5t cho vay t\u00e0i ch\u00ednh ti\u00eau d\u00f9ng qu\u00e1 cao, c\u00f3 th\u1ec3 l\u00ean \u0111\u1ebfn g\u1ea7n 100%\/n\u0103m, t\u1eeb \u0111\u00f3 l\u00e3i su\u1ea5t qu\u00e1 h\u1ea1n c\u00f3 th\u1ec3 l\u00ean \u0111\u1ebfn g\u1ea7n 150%\/n\u0103m, g\u00e2y kh\u00f3 kh\u0103n cho ng\u01b0\u1eddi vay, nh\u1ea5t l\u00e0 ng\u01b0\u1eddi ngh\u00e8o, thu nh\u1eadp th\u1ea5p, kh\u00f3 kh\u0103n. Ch\u1eb3ng h\u1ea1n \u1ea5n \u0111\u1ecbnh tr\u1ea7n l\u00e3i su\u1ea5t cho vay c\u1ee7a c\u00e1c t\u1ed5 ch\u1ee9c t\u00edn d\u1ee5ng kh\u00f4ng qu\u00e1 3 l\u1ea7n tr\u1ea7n l\u00e3i su\u1ea5t cho vay chung, theo quy \u0111\u1ecbnh t\u1ea1i kho\u1ea3n<\/a><\/a> 3, \u0110i\u1ec1u 91 v\u1ec1 \u201cL\u00e3i su\u1ea5t, ph\u00ed trong ho\u1ea1t \u0111\u1ed9ng kinh doanh c\u1ee7a t\u1ed5 ch\u1ee9c t\u00edn d\u1ee5ng\u201d, Lu\u1eadt C\u00e1c t\u1ed5 ch\u1ee9c t\u00edn d\u1ee5ng n\u0103m 2010, \u0111\u00e3 \u0111\u01b0\u1ee3c s\u1eeda \u0111\u1ed5i, b\u1ed5 sung n\u0103m 2017 \u201cNg\u00e2n h\u00e0ng Nh\u00e0 n\u01b0\u1edbc c\u00f3 quy\u1ec1n quy \u0111\u1ecbnh c\u01a1 ch\u1ebf x\u00e1c \u0111\u1ecbnh ph\u00ed, l\u00e3i su\u1ea5t trong ho\u1ea1t \u0111\u1ed9ng kinh doanh c\u1ee7a t\u1ed5 ch\u1ee9c t\u00edn d\u1ee5ng\u201d.<\/p>\n

3. V\u1ec1 c\u00e1ch th\u1ee9c thu n\u1ee3 cho vay ti\u00eau d\u00f9ng:<\/strong><\/p>\n

3.1. Vi\u1ec7c \u0111\u00f2i n\u1ee3 trong th\u1eddi gian qua c\u1ee7a m\u1ed9t s\u1ed1 c\u00f4ng ty t\u00e0i ch\u00ednh b\u1eb1ng \u0111i\u1ec7n tho\u1ea1i, email, m\u1ea1ng x\u00e3 h\u1ed9i hay tr\u1ef1c ti\u1ebfp, mang t\u00ednh ch\u1ea5t qu\u1ea5y r\u1ed1i, g\u00e2y phi\u1ec1n nhi\u1ec5u, th\u1eadm ch\u00ed \u0111e do\u1ea1, kh\u1ee7ng b\u1ed1 tinh th\u1ea7n, ki\u1ec3u nh\u01b0 g\u1ecdi \u0111i\u1ec7n t\u1ef1 \u0111\u1ed9ng h\u00e0ng tr\u0103m cu\u1ed9c m\u1ed9t ng\u00e0y, g\u00e2y ra s\u1ef1 b\u1ee9c x\u00fac cho nhi\u1ec1u kh\u00e1ch h\u00e0ng. Kh\u00f4ng nh\u1eefng th\u1ebf, c\u00f2n \u0111\u00f2i n\u1ee3 c\u1ea3 ng\u01b0\u1eddi th\u00e2n quen c\u1ee7a kh\u00e1ch h\u00e0ng, d\u00f9 h\u1ecd kh\u00f4ng ph\u1ea3i l\u00e0 ng\u01b0\u1eddi \u0111\u1ed3ng tr\u00e1ch nhi\u1ec7m, ng\u01b0\u1eddi b\u1ea3o l\u00e3nh hay c\u00f3 ngh\u0129a v\u1ee5 g\u00ec \u0111\u1ed1i v\u1edbi kho\u1ea3n n\u1ee3. V\u00ec v\u1eady, D\u1ef1 th\u1ea3o s\u1eeda \u0111\u1ed5i \u0111\u1ed1i v\u1edbi c\u00e1ch th\u1ee9c thu h\u1ed3i n\u1ee3 c\u1ee7a c\u00f4ng ty t\u00e0i ch\u00ednh. Theo \u0111\u00f3, ngo\u00e0i quy \u0111\u1ecbnh th\u1eddi gian nh\u1eafc n\u1ee3 ph\u1ea3i trong kho\u1ea3ng t\u1eeb 7 gi\u1edd \u0111\u1ebfn 21 gi\u1edd v\u00e0 kh\u00f4ng bao g\u1ed3m bi\u1ec7n ph\u00e1p \u0111e d\u1ecda \u0111\u1ed1i v\u1edbi kh\u00e1ch h\u00e0ng, th\u00ec c\u00f2n b\u1ed5 sung quy \u0111\u1ecbnh \u201ckh\u00f4ng nh\u1eafc n\u1ee3, \u0111\u00f2i n\u1ee3 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\u201d.<\/p>\n

3.2. Tuy nhi\u00ean, c\u1ea7n ph\u1ea3i xem x\u00e9t quy \u0111\u1ecbnh c\u1ee5 th\u1ec3 h\u01a1n nh\u01b0: Kh\u00f4ng \u0111\u01b0\u1ee3c \u0111\u00f2i n\u1ee3 t\u1ea1i n\u01a1i l\u00e0m vi\u1ec7c, n\u01a1i c\u00f4ng c\u1ed9ng, kh\u00f4ng \u0111\u01b0\u1ee3c x\u00fac ph\u1ea1m \u0111\u1ebfn danh d\u1ef1, nh\u00e2n ph\u1ea9m c\u1ee7a kh\u00e1ch h\u00e0ng; kh\u00f4ng \u0111\u01b0\u1ee3c \u0111\u00f2i n\u1ee3 mang t\u00ednh ch\u1ea5t kh\u1ee7ng b\u1ed1, li\u00ean t\u1ee5c qu\u00e1 3 l\u1ea7n m\u1ed7i ng\u00e0y v\u00e0 c\u1ea7n h\u1ea1n ch\u1ebf ch\u1eb7t h\u01a1n \u0111\u1ed1i v\u1edbi ng\u00e0y ngh\u1ec9 cu\u1ed1i tu\u1ea7n, ng\u00e0y ngh\u1ec9 l\u1ec5, t\u1ebft, ng\u00e0y hi\u1ebfu h\u1ec9 c\u1ee7a b\u1ea3n th\u00e2n v\u00e0 c\u1ee7a b\u1ed1, m\u1eb9, v\u1ee3 con kh\u00e1ch h\u00e0ng.<\/p>\n

4. V\u1ec1 gi\u1ea3i ph\u00e1p ph\u00e1t tri\u1ec3n th\u1ecb tr\u01b0\u1eddng, \u0111\u1ea9y l\u00f9i t\u00edn d\u1ee5ng \u0111en:<\/strong><\/p>\n

4.1. \u0110\u1ec3 gi\u1ea3m thi\u1ec3u t\u00ecnh tr\u1ea1ng cho vay l\u00e3i su\u1ea5t qu\u00e1 cao v\u00e0 g\u00e2y s\u1ee9c \u00e9p n\u1eb7ng n\u1ec1 khi \u0111\u00f2i n\u1ee3, nh\u1ea5t l\u00e0 t\u00edn d\u1ee5ng \u0111en v\u1eabn c\u00f2n di\u1ec5n ra t\u01b0\u01a1ng \u0111\u1ed1i ph\u1ed5 bi\u1ebfn, th\u00ec c\u1ea7n ph\u1ea3i c\u00f3 nh\u1eefng gi\u1ea3i ph\u00e1p c\u01a1 b\u1ea3n, tri\u1ec7t \u0111\u1ec3 v\u00e0 hi\u1ec7u qu\u1ea3 h\u01a1n ngo\u00e0i vi\u1ec7c s\u1eeda \u0111\u1ed5i, b\u1ed5 sung Th\u00f4ng t\u01b0 n\u00f3i tr\u00ean.<\/p>\n

4.2. T\u00edn d\u1ee5ng v\u00e0 l\u00e3i su\u1ea5t l\u00e0 m\u1ed9t hi\u1ec7n t\u01b0\u1ee3ng kinh t\u1ebf, v\u00ec v\u1eady c\u1ea7n ph\u1ea3i \u0111\u01b0\u1ee3c t\u1eadp trung gi\u1ea3i quy\u1ebft b\u1eb1ng gi\u1ea3i ph\u00e1p kinh t\u1ebf. Quan tr\u1ecdng nh\u1ea5t l\u00e0 ph\u1ea3i t\u1ea1o ra l\u1ef1c l\u01b0\u1ee3ng cho vay d\u1ed3i d\u00e0o, h\u00ecnh th\u00e0nh th\u1ecb tr\u01b0\u1eddng t\u00edn d\u1ee5ng c\u1ea1nh tranh cao, c\u00e2n \u0111\u1ed1i cung c\u1ea7u \u0111\u1ec3 \u0111\u00e1p \u1ee9ng \u0111\u01b0\u1ee3c t\u1ed1t nh\u1ea5t nhu c\u1ea7u vay v\u1ed1n. C\u1ee5 th\u1ec3, c\u1ea7n xem x\u00e9t th\u1ef1c hi\u1ec7n c\u00e1c gi\u1ea3i ph\u00e1p sau:<\/p>\n

Th\u1ee9 nh\u1ea5t<\/em>, \u0111\u1ea9y m\u1ea1nh k\u00eanh t\u00edn d\u1ee5ng ti\u00eau d\u00f9ng c\u1ee7a c\u00e1c t\u1ed5 ch\u1ee9c t\u00edn d\u1ee5ng, \u0111\u1eb7c bi\u1ec7t l\u00e0 c\u1ea7n n\u1edbi l\u1ecfng gi\u1edbi h\u1ea1n v\u00e0 \u0111i\u1ec1u ki\u1ec7n cho vay c\u1ee7a c\u00e1c c\u00f4ng ty t\u00e0i ch\u00ednh, v\u00ec kh\u00f4ng huy \u0111\u1ed9ng v\u1ed1n c\u1ee7a c\u00e1 nh\u00e2n;<\/p>\n

Th\u1ee9 hai<\/em>, khuy\u1ebfn kh\u00edch c\u00e1c k\u00eanh cho vay h\u1ee3p ph\u00e1p nh\u01b0 cho vay c\u1ea7m \u0111\u1ed3; cho vay ngang h\u00e0ng; cho vay d\u01b0\u1edbi h\u00ecnh th\u1ee9c h\u1ecd, h\u1ee5i, bi\u00eau, ph\u01b0\u1edfng;\u2026<\/p>\n

Th\u1ee9 ba<\/em>, \u0111\u1eb7c bi\u1ec7t l\u00e0 c\u1ea7n khuy\u1ebfn kh\u00edch c\u00e1c doanh nghi\u1ec7p, c\u00e1 nh\u00e2n v\u1eabn cho vay l\u1eabn nhau \u0111\u01b0\u1ee3c ph\u00e9p m\u1edf r\u1ed9ng cho vay b\u1eb1ng ch\u00ednh ngu\u1ed3n v\u1ed1n c\u1ee7a h\u1ecd c\u00f9ng v\u1edbi c\u1ee7a nh\u00e0 \u0111\u1ea7u t\u01b0, kh\u00f4ng c\u1ea7n ph\u1ea3i c\u00f3 gi\u1ea5y ph\u00e9p cho vay, kh\u00f4ng b\u1ecb gi\u1edbi h\u1ea1n cho vay; kh\u00f4ng ph\u1ea3i n\u1ed9p thu\u1ebf gi\u00e1 tr\u1ecb gia t\u0103ng (ch\u1ec9 ph\u1ea3i n\u1ed9p thu\u1ebf thu nh\u1eadp nh\u01b0 hi\u1ec7n nay) v\u00e0 t\u1ef1 ch\u1ecbu m\u1ecdi r\u1ee7i ro b\u1eb1ng ti\u1ec1n v\u1ed1n c\u1ee7a h\u1ecd;<\/p>\n

Th\u1ee9 t\u01b0<\/em>, c\u1ea7n ph\u1ea3i s\u1eeda \u0111\u1ed5i lu\u1eadt cho ph\u00e9p m\u1ecdi \u0111\u1ed1i t\u01b0\u1ee3ng cho vay \u0111\u01b0\u1ee3c \u00e1p d\u1ee5ng m\u1ee9c l\u00e3i su\u1ea5t cao b\u1eb1ng v\u1edbi l\u00e3i su\u1ea5t c\u1ee7a c\u00e1c t\u1ed5 ch\u1ee9c t\u00edn d\u1ee5ng \u0111\u1ec3 b\u1ea3o \u0111\u1ea3m c\u00e2n b\u1eb1ng th\u1ecb tr\u01b0\u1eddng v\u00e0 l\u1ebd c\u00f4ng b\u1eb1ng \u0111\u1ed1i x\u1eed;<\/p>\n

Th\u1ee9 n\u0103m<\/em>, ki\u00ean quy\u1ebft x\u1eed l\u00fd nghi\u00eam kh\u1eafc, k\u1ecbp th\u1eddi t\u00edn d\u1ee5ng \u0111en, trong \u0111\u00f3 ch\u1ee7 y\u1ebfu l\u00e0 x\u1eed l\u00fd c\u00e1c h\u00e0nh vi l\u1eeba d\u1ed1i, \u0111e do\u1ea1, c\u01b0\u1ee1ng \u00e9p kh\u00e1ch h\u00e0ng vay v\u1ed1n;<\/p>\n

Th\u1ee9 s\u00e1u,<\/em> v\u1ec1 l\u00e2u d\u00e0i c\u1ea7n xem x\u00e9t vi\u1ec7c coi c\u00f4ng ty t\u00e0i ch\u00ednh l\u00e0 t\u1ed5 ch\u1ee9c t\u00edn d\u1ee5ng hay ch\u1ec9 l\u00e0 t\u1ed5 ch\u1ee9c t\u00e0i ch\u00ednh, n\u1eb1m ngo\u00e0i ph\u1ea1m vi \u0111i\u1ec1u ch\u1ec9nh c\u1ee7a Lu\u1eadt C\u00e1c t\u1ed5 ch\u1ee9c t\u00edn d\u1ee5ng.<\/p>\n

4.3. Do y\u00eau c\u1ea7u \u0111\u1eb7c th\u00f9 c\u1ee7a ng\u00e0nh Ng\u00e2n h\u00e0ng, n\u00ean c\u00e1c t\u1ed5 ch\u1ee9c t\u00edn d\u1ee5ng r\u1ea5t kh\u00f3 c\u00f3 th\u1ec3 h\u1ea1 ti\u00eau chu\u1ea9n cho vay v\u00e0 \u0111\u00e1p \u1ee9ng \u0111\u01b0\u1ee3c nhu c\u1ea7u t\u00edn d\u1ee5ng ti\u00eau d\u00f9ng. V\u00ec v\u1eady, c\u1ea7n ph\u1ea3i thay \u0111\u1ed5i qu\u1ea3n \u0111i\u1ec3m ch\u00ednh l\u00e0, m\u1edf r\u1ed9ng ho\u1ea1t \u0111\u1ed9ng cho vay c\u1ee7a c\u00e1c \u0111\u1ed1i t\u01b0\u1ee3ng kh\u00e1c. Kh\u00f4ng n\u00ean gi\u1ea3i th\u00edch c\u1ee9ng nh\u1eafc r\u1eb1ng, cho vay l\u00e0 ho\u1ea1t \u0111\u1ed9ng ng\u00e2n h\u00e0ng n\u00ean ph\u1ea3i \u0111\u01b0\u1ee3c Ng\u00e2n h\u00e0ng Nh\u00e0 n\u01b0\u1edbc c\u1ea5p ph\u00e9p theo quy \u0111\u1ecbnh c\u1ee7a Lu\u1eadt C\u00e1c t\u1ed5 ch\u1ee9c t\u00edn d\u1ee5ng. Ch\u1ec9 n\u00ean t\u1eadp trung v\u00e0o vi\u1ec7c qu\u1ea3n l\u00fd ch\u1eb7t ch\u1ebd ho\u1ea1t \u0111\u1ed9ng cho vay c\u1ee7a t\u1ed5 ch\u1ee9c huy \u0111\u1ed9ng v\u1ed1n c\u1ee7a d\u00e2n ch\u00fang, nh\u1eb1m tr\u00e1nh \u0111\u1ed5 v\u1ee1, g\u00e2y r\u1ee7i cho cho h\u1ec7 th\u1ed1ng v\u00e0 m\u1ea5t ti\u1ec1n g\u1eedi c\u1ee7a s\u1ed1 \u0111\u00f4ng.<\/p>\n

<\/a>\u00a05.\u00a0V\u1ec1 th\u1eddi h\u1ea1n tr\u1ea3 l\u1eddi khi\u1ebfu n\u1ea1i:<\/strong><\/p>\n

5.1. Kho\u1ea3n 5, \u0110i\u1ec1u 10a v\u1ec1 \u201cTr\u00e1ch nhi\u1ec7m c\u1ee7a c\u00f4ng ty t\u00e0i ch\u00ednh\u201d, D\u1ef1 th\u1ea3o Th\u00f4ng t\u01b0 quy \u0111\u1ecbnh: \u201c C\u00f4ng ty t\u00e0i ch\u00ednh c\u00f3 tr\u00e1ch nhi\u1ec7m gi\u1ea3i quy\u1ebft khi\u1ebfu n\u1ea1i v\u00e0 tr\u1ea3 l\u1eddi khi\u1ebfu n\u1ea1i c\u1ee7a kh\u00e1ch h\u00e0ng, ng\u01b0\u1eddi c\u00f3 li\u00ean quan trong th\u1eddi h\u1ea1n t\u1ed1i \u0111a 45 ng\u00e0y l\u00e0m vi\u1ec7c k\u1ec3 t\u1eeb ng\u00e0y ti\u1ebfp nh\u1eadn khi\u1ebfu n\u1ea1i l\u1ea7n \u0111\u1ea7u<\/em>\u2026\u201d.<\/p>\n

Quy \u0111\u1ecbnh th\u1eddi h\u1ea1n tr\u00ean l\u00e0 qu\u00e1 d\u00e0i, kh\u00f4ng h\u1ee3p l\u00fd, kh\u00f4ng ph\u00f9 h\u1ee3p v\u1edbi c\u01a1 ch\u1ebf th\u1ecb tr\u01b0\u1eddng v\u00e0 y\u00eau c\u1ea7u ph\u1ee5c v\u1ee5 kh\u00e1ch h\u00e0ng, nh\u1ea5t l\u00e0 \u0111\u1ed1i v\u1edbi tr\u01b0\u1eddng h\u1ee3p kh\u00e1ch h\u00e0ng c\u00f3 nguy c\u01a1 b\u1ecb chuy\u1ec3n sang n\u1ee3 x\u1ea5u v\u00e0 ng\u01b0\u1eddi kh\u00f4ng ph\u1ea3i l\u00e0 kh\u00e1ch h\u00e0ng vay nh\u01b0ng l\u1ea1i b\u1ecb \u0111\u01b0a v\u00e0o danh s\u00e1ch kh\u00e1ch h\u00e0ng vay n\u1ee3. Th\u1eddi h\u1ea1n n\u00e0y c\u00f2n d\u00e0i h\u01a1n c\u1ea3 th\u1eddi h\u1ea1n gi\u1ea3i quy\u1ebft khi\u1ebfu n\u1ea1i th\u00f4ng th\u01b0\u1eddng v\u00e0 b\u1eb1ng v\u1edbi th\u1eddi h\u1ea1n gi\u1ea3i quy\u1ebft c\u00e1c v\u1ee5 khi\u1ebfu n\u1ea1i ph\u1ee9c t\u1ea1p c\u1ee7a c\u00e1c c\u01a1 quan h\u00e0nh ch\u00ednh nh\u00e0 n\u01b0\u1edbc. C\u1ee5 th\u1ec3, \u0110i\u1ec1u 28 v\u1ec1 \u201cTh\u1eddi h\u1ea1n gi\u1ea3i quy\u1ebft khi\u1ebfu n\u1ea1i l\u1ea7n \u0111\u1ea7u\u201d, Lu\u1eadt Khi\u1ebfu n\u1ea1i n\u0103m 2011 quy \u0111\u1ecbnh nh\u01b0 sau:<\/p>\n

\u201cTh\u1eddi h\u1ea1n gi\u1ea3i quy\u1ebft khi\u1ebfu n\u1ea1i l\u1ea7n \u0111\u1ea7u kh\u00f4ng qu\u00e1 30 ng\u00e0y, k\u1ec3 t\u1eeb ng\u00e0y th\u1ee5 l\u00fd; \u0111\u1ed1i v\u1edbi v\u1ee5 vi\u1ec7c ph\u1ee9c t\u1ea1p th\u00ec th\u1eddi h\u1ea1n gi\u1ea3i quy\u1ebft c\u00f3 th\u1ec3 k\u00e9o d\u00e0i h\u01a1n nh\u01b0ng kh\u00f4ng qu\u00e1 45 ng\u00e0y, k\u1ec3 t\u1eeb ng\u00e0y th\u1ee5 l\u00fd<\/em>\u201d.<\/p>\n

5.2. Ngo\u00e0i ra, \u0111\u00e3 quy \u0111\u1ecbnh \u201ctrong th\u1eddi h\u1ea1n\u201d r\u1ed3i th\u00ec c\u1ea7n b\u1ecf t\u1eeb \u201ct\u1ed1i \u0111a\u201d ho\u1eb7c ng\u01b0\u1ee3c l\u1ea1i trong c\u1ee5m t\u1eeb \u201ctrong th\u1eddi h\u1ea1n t\u1ed1i \u0111a\u201d <\/em>D\u1ef1 th\u1ea3o n\u00f3i tr\u00ean.<\/p>\n

6. V\u1ec1 c\u1ea3nh b\u00e1o trong h\u1ec7 th\u1ed1ng c\u00f4ng ty t\u00e0i ch\u00ednh:<\/strong><\/p>\n

6.1. Kho\u1ea3n 6, \u0110i\u1ec1u 10a v\u1ec1 \u201cTr\u00e1ch nhi\u1ec7m c\u1ee7a c\u00f4ng ty t\u00e0i ch\u00ednh\u201d, D\u1ef1 th\u1ea3o Th\u00f4ng t\u01b0 quy \u0111\u1ecbnh m\u1ed9t trong c\u00e1c tr\u00e1ch nhi\u1ec7m c\u1ee7a c\u00f4ng ty t\u00e0i ch\u00ednh l\u00e0: \u201c Ph\u00e1t hi\u1ec7n k\u1ecbp th\u1eddi c\u00e1c b\u1ea5t c\u1eadp, h\u00e0nh vi c\u00f3 d\u1ea5u hi\u1ec7u vi ph\u1ea1m ph\u00e1p lu\u1eadt trong ho\u1ea1t \u0111\u1ed9ng cho vay ti\u00eau d\u00f9ng, th\u00f4ng b\u00e1o, c\u1ea3nh b\u00e1o trong h\u1ec7 th\u1ed1ng c\u00f4ng ty t\u00e0i ch\u00ednh \u0111\u1ec3 c\u00f3 bi\u1ec7n ph\u00e1p ph\u00f2ng ng\u1eeba, h\u1ea1n ch\u1ebf r\u1ee7i ro, c\u00e1c h\u00e0nh vi vi ph\u1ea1m ph\u00e1p lu\u1eadt<\/em>\u201d.<\/p>\n

6.2. Quy \u0111\u1ecbnh tr\u00ean l\u00e0 kh\u00f4ng h\u1ee3p l\u00fd, v\u00ec c\u00f3 th\u1ec3 y\u00eau c\u1ea7u c\u00f4ng ty t\u00e0i ch\u00ednh c\u00f3 tr\u00e1ch nhi\u1ec7m \u201cTh\u00f4ng b\u00e1o, c\u1ea3nh b\u00e1o trong h\u1ec7 th\u1ed1ng c\u00f4ng ty t\u00e0i ch\u00ednh\u201d cho ng\u00e2n h\u00e0ng Nh\u00e0 n\u01b0\u1edbc, ch\u1ee9 kh\u00f4ng th\u1ec3 quy \u0111\u1ecbnh tr\u00e1ch nhi\u1ec7m ph\u1ea3i \u201cth\u00f4ng b\u00e1o, c\u1ea3nh b\u00e1o trong h\u1ec7 th\u1ed1ng c\u00f4ng ty t\u00e0i ch\u00ednh<\/em>\u201d, <\/em>t\u1ee9c l\u00e0 cho c\u1ea3 c\u00e1c c\u00f4ng ty kh\u00e1c l\u00e0 \u0111\u1ed1i th\u1ee7 c\u1ea1nh tranh.<\/p>\n

7. V\u1ec1 th\u1eddi h\u1ea1n b\u00e1o c\u00e1o \u0111\u1ecbnh k\u1ef3:<\/strong><\/p>\n

7.1. \u0110i\u1ec3m b, kho\u1ea3n 9, \u0110i\u1ec1u 10a v\u1ec1 \u201cTr\u00e1ch nhi\u1ec7m c\u1ee7a c\u00f4ng ty t\u00e0i ch\u00ednh\u201d, D\u1ef1 th\u1ea3o Th\u00f4ng t\u01b0 quy \u0111\u1ecbnh m\u1ed9t trong c\u00e1c tr\u00e1ch nhi\u1ec7m c\u1ee7a c\u00f4ng ty t\u00e0i ch\u00ednh l\u00e0 b\u00e1o c\u00e1o Ng\u00e2n h\u00e0ng Nh\u00e0 n\u01b0\u1edbc theo quy \u0111\u1ecbnh sau \u0111\u00e2y: \u201cb) \u0110\u1ecbnh k\u1ef3 ng\u00e0y 12 h\u00e0ng th\u00e1ng, c\u00f4ng ty t\u00e0i ch\u00ednh ph\u1ea3i b\u00e1o c\u00e1o b\u1eb1ng v\u0103n b\u1ea3n g\u1eedi Ng\u00e2n h\u00e0ng Nh\u00e0 n\u01b0\u1edbc chi nh\u00e1nh t\u1ec9nh, th\u00e0nh ph\u1ed1 v\u1ec1 d\u01b0 n\u1ee3 cho vay ti\u00eau d\u00f9ng \u0111\u1ed1i v\u1edbi kh\u00e1ch h\u00e0ng vay tr\u00ean \u0111\u1ecba b\u00e0n c\u1ee7a th\u00e1ng tr\u01b0\u1edbc li\u1ec1n k\u1ec1 theo m\u1eabu bi\u1ec3u \u0111\u00ednh k\u00e8m Th\u00f4ng t\u01b0 n\u00e0y<\/em>\u201d.<\/p>\n

7.2. Quy \u0111\u1ecbnh \u201c\u0111\u1ecbnh k\u1ef3 ng\u00e0y 12 h\u00e0ng th\u00e1ng\u201d m\u00e0 kh\u00f4ng c\u00f3 \u0111i\u1ec1u ch\u1ec9nh khi tr\u00f9ng v\u00e0o ng\u00e0y ngh\u1ec9 l\u00e0 kh\u00f4ng h\u1ee3p l\u00fd, nh\u1ea5t l\u00e0 ng\u00e0y ngh\u1ec9, l\u1ec5, t\u1ebft c\u00f3 th\u1ec3 l\u00ean \u0111\u1ebfn 9 ng\u00e0y th\u00ec x\u1eed l\u00fd nh\u01b0 th\u1ebf n\u00e0o? Ngo\u00e0i ra t\u1eeb \u201ch\u00e0ng ng\u00e0y\u201d c\u0169ng th\u01b0\u1eddng b\u1ecb vi\u1ebft sai, c\u1ea7n s\u1eeda l\u1ea1i l\u00e0 \u0111\u00fang l\u00e0 \u201ch\u1eb1ng ng\u00e0y\u201d.<\/p>\n

H\u00e0 N\u1ed9i <\/em>10-4-2019<\/em>","protected":false},"excerpt":{"rendered":"

(ANVI) – 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, b\u00ecnh lu\u1eadn theo y\u00eau c\u1ea7u c\u1ee7a VCCI. \u00a0 \u00a0\u00a0 B\u00ecnh lu\u1eadn D\u1ef1 th\u1ea3o Th\u00f4ng t\u01b0 s\u1eeda \u0111\u1ed5i, b\u1ed5 sung m\u1ed9t s\u1ed1 \u0111i\u1ec1u c\u1ee7a Th\u00f4ng t\u01b0 s\u1ed1 43\/2016\/TT-NHNN ng\u00e0y 30-12-2016 c\u1ee7a Th\u1ed1ng \u0111\u1ed1c Ng\u00e2n h\u00e0ng Nh\u00e0 n\u01b0\u1edbc Vi\u1ec7t Nam […]<\/p>\n","protected":false},"author":2,"featured_media":2617,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":""},"categories":[18,26],"tags":[],"class_list":["post-2616","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-bao-chi-phong-van","category-legal-media"],"acf":[],"yoast_head":"\n331. 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