{"id":26776,"date":"2018-05-23T16:41:14","date_gmt":"2018-05-23T09:41:14","guid":{"rendered":"https:\/\/anvilaw.com\/vi\/?p=26776"},"modified":"2022-06-14T16:44:47","modified_gmt":"2022-06-14T09:44:47","slug":"1-837-cho-vay-tieu-dung-mieng-ngon-chang-con-den-trua","status":"publish","type":"post","link":"https:\/\/anvilaw.com\/vi\/1-837-cho-vay-tieu-dung-mieng-ngon-chang-con-den-trua\/","title":{"rendered":"1.837. Cho vay ti\u00eau d\u00f9ng: \u201cMi\u1ebfng ngon ch\u1eb3ng c\u00f2n \u0111\u1ebfn tr\u01b0a\u201d"},"content":{"rendered":"<strong>(PNT\u0110) &#8211; Th\u1ee7 t\u1ee5c \u0111\u01a1n gi\u1ea3n, kh\u00f4ng c\u1ea7n t\u00e0i s\u1ea3n th\u1ebf ch\u1ea5p, ch\u1ec9 c\u1ea7n ch\u1ee9ng minh th\u01b0, ng\u01b0\u1eddi ti\u00eau d\u00f9ng (NTD) c\u00f3 nhu c\u1ea7u \u0111\u00e3 \u0111\u01b0\u1ee3c gi\u1ea3i ng\u00e2n ngay m\u1ed9t kho\u1ea3n vay t\u1eeb c\u00e1c c\u00f4ng ty t\u00e0i ch\u00ednh. Tuy nhi\u00ean&#8230;<\/strong><\/p>\n<p>Th\u1ee7 t\u1ee5c \u0111\u01a1n gi\u1ea3n, kh\u00f4ng c\u1ea7n t\u00e0i s\u1ea3n th\u1ebf ch\u1ea5p, ch\u1ec9 c\u1ea7n ch\u1ee9ng minh th\u01b0, ng\u01b0\u1eddi ti\u00eau d\u00f9ng (NTD) c\u00f3 nhu c\u1ea7u \u0111\u00e3 \u0111\u01b0\u1ee3c gi\u1ea3i ng\u00e2n ngay m\u1ed9t kho\u1ea3n vay t\u1eeb c\u00e1c c\u00f4ng ty t\u00e0i ch\u00ednh. Tuy nhi\u00ean, tr\u00ean th\u1ef1c t\u1ebf, vay c\u00e0ng d\u1ec5 nh\u01b0ng n\u1ebfu ch\u1eadm tr\u1ea3, ng\u01b0\u1eddi vay kh\u00f4ng nh\u1eefng ph\u1ea3i ch\u1ecbu l\u00e3i ph\u1ea1t r\u1ea5t cao m\u00e0 c\u00f2n b\u1ecb \u201ctruy n\u00e3\u201d qua \u0111i\u1ec7n tho\u1ea1i nh\u01b0&#8230; t\u1ed9i ph\u1ea1m.<\/p>\n<table style=\"height: 262px\" width=\"388\">\n<tbody>\n<tr>\n<td><img loading=\"lazy\" decoding=\"async\" class=\"alignnone size-full wp-image-26783 img-fluid img-fluid\" src=\"https:\/\/anvilaw.com\/wp-content\/uploads\/2022\/06\/37-3.jpg\" alt=\"\" width=\"400\" height=\"240\" \/><\/td>\n<\/tr>\n<tr>\n<td><em>Nh\u1eefng qu\u1ea3ng c\u00e1o cho vay ti\u00eau d\u00f9ng kh\u00f4ng c\u1ea7n nhi\u1ec1u th\u1ee7 t\u1ee5c, gi\u1ea5y t\u1edd \u0111\u01b0\u1ee3c d\u00e1n \u1edf nhi\u1ec1u tuy\u1ebfn ph\u1ed1.<\/em><\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<p><strong>Kh\u1ed1n kh\u1ed5 v\u00ec vay ti\u00eau d\u00f9ng\u00a0<\/strong><\/p>\n<p>\u0110\u1ea7u n\u0103m 2018, ch\u1ecb \u0110\u1ed7 Ho\u00e0ng Minh \u1edf L\u00f2 \u0110\u00fac, Hai B\u00e0 Tr\u01b0ng vay 50 tri\u1ec7u \u0111\u1ed3ng \u0111\u1ec3 s\u1eafm \u0111\u1ed3 gia d\u1ee5ng c\u1ee7a m\u1ed9t c\u00f4ng ty t\u00edn d\u1ee5ng v\u1edbi l\u00e3i su\u1ea5t 0%, tr\u1ea3 g\u00f3p trong 12 th\u00e1ng. Sau khi \u0111i\u1ec1n th\u00f4ng tin c\u00e1 nh\u00e2n v\u00e0o t\u1edd khai, photo ch\u1ee9ng minh th\u01b0 nh\u00e2n d\u00e2n v\u00e0 tr\u1ea3 tr\u01b0\u1edbc 30% s\u1ed1 ti\u1ec1n vay theo quy \u0111\u1ecbnh, ch\u1ecb Minh nhanh ch\u00f3ng \u0111\u01b0\u1ee3c gi\u1ea3i ng\u00e2n v\u00e0 nh\u1eadn \u0111\u1ed3 gia d\u1ee5ng ch\u1ec9 trong v\u00f2ng h\u01a1n 1 ti\u1ebfng \u0111\u1ed3ng h\u1ed3.<\/p>\n<p>M\u1ed1i quan h\u1ec7 gi\u1eefa kh\u00e1ch h\u00e0ng v\u00e0 t\u1ed5 ch\u1ee9c t\u00edn d\u1ee5ng \u201cxu\u00f4i ch\u00e8o m\u00e1t m\u00e1i\u201d trong v\u00f2ng 3 th\u00e1ng \u0111\u1ea7u ti\u00ean khi ch\u1ecb Minh n\u1ed9p ti\u1ec1n tr\u1ea3 g\u00f3p \u0111\u00fang h\u1ea1n v\u00e0 \u0111\u1ea7y \u0111\u1ee7. T\u1eeb th\u00e1ng th\u1ee9 4, do \u0111i c\u00f4ng t\u00e1c xa, kh\u00f4ng k\u1ecbp n\u1ed9p ti\u1ec1n \u0111\u00fang h\u1ea1n, ch\u1ecb Minh li\u00ean t\u1ee5c nh\u1eadn \u0111\u01b0\u1ee3c \u0111i\u1ec7n tho\u1ea1i nh\u1eafc n\u1ee3. Kh\u00f4ng ch\u1ec9 v\u1eady, t\u1ea5t c\u1ea3 5 ng\u01b0\u1eddi th\u00e2n trong danh s\u00e1ch \u201cng\u01b0\u1eddi c\u00f3 li\u00ean quan v\u1edbi ng\u01b0\u1eddi \u0111i vay\u201d m\u00e0 ch\u1ecb Minh b\u1eaft bu\u1ed9c ph\u1ea3i k\u00ea khai s\u1ed1 \u0111i\u1ec7n tho\u1ea1i trong t\u1edd khai vay ti\u1ec1n c\u0169ng li\u00ean t\u1ee5c ph\u1ea3i tr\u1ea3 l\u1eddi nh\u1eefng c\u00fa \u0111i\u1ec7n tho\u1ea1i nh\u1eafc nh\u1edf, b\u1ea5t k\u1ec3 s\u00e1ng t\u1ed1i hay gi\u1edd ngh\u1ec9 tr\u01b0a.<\/p>\n<p>Ch\u1ecb H\u00e0 Thu Anh \u1edf ph\u1ed1 Ho\u00e0ng V\u0103n Th\u00e1i, Thanh Xu\u00e2n \u0111ang th\u1ef1c hi\u1ec7n g\u00f3i vay ti\u00eau d\u00f9ng tr\u1ecb gi\u00e1 20 tri\u1ec7u \u0111\u1ed3ng \u0111\u1ec3 mua xe m\u00e1y. \u201cT\u1ed5 ch\u1ee9c t\u00edn d\u1ee5ng c\u00f4ng b\u1ed1 l\u00e3i su\u1ea5t tr\u1ea3 g\u00f3p l\u00e0 0% \u0111\u1ec3 t\u0103ng s\u1ee9c h\u1ea5p d\u1eabn v\u00e0 l\u00f4i cu\u1ed1n kh\u00e1ch h\u00e0ng nh\u01b0ng th\u1ef1c t\u1ebf chi tr\u1ea3, kh\u00e1ch h\u00e0ng g\u00e1nh th\u00eam nhi\u1ec1u kho\u1ea3n ph\u00ed nh\u01b0 b\u1ea3o hi\u1ec3m d\u01b0 n\u1ee3, b\u1ea3o hi\u1ec3m m\u1edf r\u1ed9ng\u2026<\/p>\n<p>N\u1ebfu ch\u1ee9ng minh thu nh\u1eadp th\u00ec m\u1ed7i th\u00e1ng s\u1ed1 ti\u1ec1n tr\u1ea3 g\u00f3p, ngo\u00e0i ti\u1ec1n g\u1ed1c kh\u00e1ch h\u00e0ng c\u00f2n \u0111\u00f3ng th\u00eam m\u1ed9t kho\u1ea3n t\u01b0\u01a1ng \u0111\u01b0\u01a1ng 20%\/n\u0103m tr\u00ean d\u01b0 n\u1ee3 ban \u0111\u1ea7u; c\u00f2n kh\u00e1ch vay ch\u1ec9 c\u00f3 ch\u1ee9ng minh th\u01b0 ho\u1eb7c h\u1ed9 kh\u1ea9u th\u00ec s\u1ed1 ti\u1ec1n \u0111\u00f3ng th\u00eam l\u00e0 40%\/n\u0103m tr\u00ean d\u01b0 n\u1ee3 g\u1ed1c ho\u1eb7c 80%\/n\u0103m tr\u00ean d\u01b0 n\u1ee3 gi\u1ea3m d\u1ea7n. Song, kho\u1ea3n n\u1eb7ng nh\u1ea5t l\u00e0 ti\u1ec1n ph\u1ea1t n\u1ed9p mu\u1ed9n v\u00e0 l\u00e3i cho c\u00e1c kho\u1ea3n vay qu\u00e1 h\u1ea1n c\u00f3 th\u1ec3 l\u00ean \u0111\u1ebfn 120%\/n\u0103m (10%\/th\u00e1ng)\u201d. V\u00ec th\u1ebf, theo ch\u1ecb Thu Anh, d\u00f9 l\u00e3i su\u1ea5t tr\u1ea3 g\u00f3p 0% nh\u01b0ng sau 6 \u2013 12 th\u00e1ng, s\u1ed1 ti\u1ec1n th\u1ef1c tr\u1ea3 c\u00f3 th\u1ec3 t\u0103ng t\u1eeb 20 \u2013 60%, t\u00f9y kho\u1ea3n vay nhi\u1ec1u hay \u00edt.<\/p>\n<p>L\u1ea1i c\u00f3 kh\u00e1ch h\u00e0ng d\u00f9 \u0111\u00e3 t\u1eeb ch\u1ed1i m\u1edf th\u1ebb t\u00edn d\u1ee5ng sau khi \u0111\u01b0\u1ee3c nh\u00e2n vi\u00ean c\u00f4ng ty t\u00e0i ch\u00ednh m\u1eddi ch\u00e0o nh\u01b0ng v\u00e0i ng\u00e0y sau, th\u1ebb v\u1eabn \u0111\u01b0\u1ee3c t\u1ef1 \u0111\u1ed9ng g\u1eedi qua \u0111\u01b0\u1eddng b\u01b0u \u0111i\u1ec7n t\u1edbi NTD. NTD \u0111\u00e3 v\u1ee9t b\u1ecf, kh\u00f4ng k\u00edch ho\u1ea1t th\u1ebb nh\u01b0ng v\u1eabn li\u00ean t\u1ee5c nh\u1eadn \u0111\u01b0\u1ee3c th\u00f4ng b\u00e1o, \u0111i\u1ec7n tho\u1ea1i, tin nh\u1eafn nh\u1eafc nh\u1edf n\u1ed9p ph\u00ed s\u1eed d\u1ee5ng th\u1ebb h\u00e0ng th\u00e1ng, k\u00e8m theo c\u1ea3 n\u1ed9i dung \u0111e d\u1ecda, qu\u1ea5y r\u1ed1i. \u0110\u1ec3 tr\u00e1nh phi\u1ec1n to\u00e1i, NTD \u0111\u00e3 l\u00e0m vi\u1ec7c tr\u1ef1c ti\u1ebfp v\u1edbi c\u00f4ng ty t\u00e0i ch\u00ednh v\u00e0 nh\u1eadn \u0111\u01b0\u1ee3c cam k\u1ebft \u0111\u00f3ng th\u1ebb v\u00e0 kh\u00f4ng g\u1ecdi \u0111i\u1ec7n l\u00e0m phi\u1ec1n nh\u01b0ng th\u1ef1c t\u1ebf, NTD v\u1eabn ti\u1ebfp t\u1ee5c b\u1ecb g\u1ecdi \u0111i\u1ec7n thu h\u1ed3i n\u1ee3 su\u1ed1t h\u01a1n 4 th\u00e1ng sau \u0111\u00f3.<\/p>\n<p><strong>Th\u1eadn tr\u1ecdng khi vay ti\u00eau d\u00f9ng<\/strong><\/p>\n<p>Trao \u0111\u1ed5i v\u1ec1 v\u1ea5n \u0111\u1ec1 n\u00e0y, \u00f4ng H\u1ed3 T\u00f9ng B\u00e1ch \u2013 Ph\u00f3 tr\u01b0\u1edfng ph\u00f2ng B\u1ea3o v\u1ec7 NTD, C\u1ee5c C\u1ea1nh tranh v\u00e0 B\u1ea3o v\u1ec7 NTD (B\u1ed9 C\u00f4ng th\u01b0\u01a1ng) cho bi\u1ebft: t\u1eeb qu\u00fd 3\/2017 \u0111\u1ebfn nay, \u0111\u01a1n v\u1ecb n\u00e0y \u0111\u00e3 ti\u1ebfp nh\u1eadn h\u01a1n 130 khi\u1ebfu n\u1ea1i c\u1ee7a NTD v\u00e0 h\u01a1n 200 ph\u1ea3n \u00e1nh qua T\u1ed5ng \u0111\u00e0i t\u01b0 v\u1ea5n, h\u1ed7 tr\u1ee3 NTD c\u1ee7a C\u1ee5c. Qua t\u1ed5ng h\u1ee3p, th\u00ec n\u1ed5i l\u00ean m\u1ed9t s\u1ed1 vi ph\u1ea1m trong ho\u1ea1t \u0111\u1ed9ng cho vay t\u00e0i ch\u00ednh nh\u01b0 kh\u00f4ng minh b\u1ea1ch th\u00f4ng tin h\u1ee3p \u0111\u1ed3ng, kh\u00f4ng t\u1ea1o \u0111i\u1ec1u ki\u1ec7n \u0111\u1ec3 NTD \u0111\u1ecdc h\u1ee3p \u0111\u1ed3ng tr\u01b0\u1edbc khi k\u00fd; kh\u00f4ng cung c\u1ea5p h\u1ee3p \u0111\u1ed3ng \u0111\u1ec3 kh\u00e1ch h\u00e0ng l\u01b0u; kh\u00f4ng gi\u1ea3i quy\u1ebft khi\u1ebfu n\u1ea1i, y\u00eau c\u1ea7u khi c\u00f3 tranh ch\u1ea5p ph\u00e1t sinh; \u0111\u1eb7c bi\u1ec7t l\u00e0 c\u00f3 h\u00e0nh vi qu\u1ea5y r\u1ed1i, \u0111e d\u1ecda NTD.<\/p>\n<p><em>Theo Lu\u1eadt s\u01b0 Tr\u01b0\u01a1ng Thanh \u0110\u1ee9c \u2013 Gi\u00e1m \u0111\u1ed1c C\u00f4ng ty Lu\u1eadt ANVI, nguy\u00ean nh\u00e2n d\u1eabn \u0111\u1ebfn t\u00ecnh tr\u1ea1ng n\u00e0y, theo LS Tr\u01b0\u01a1ng Thanh \u0110\u1ee9c th\u1ee9 nh\u1ea5t l\u00e0 do h\u1ec7 th\u1ed1ng ph\u00e1p l\u00fd ch\u01b0a ho\u00e0n thi\u1ec7n, n\u1ebfu c\u00e1c ng\u00e2n h\u00e0ng cho vay t\u00edn d\u1ee5ng ngo\u00e0i l\u00e3i su\u1ea5t v\u01b0\u1ee3t qu\u00e1 20% l\u00e3i su\u1ea5t c\u01a1 b\u1ea3n l\u00e0 b\u1ea5t h\u1ee3p ph\u00e1p th\u00ec l\u00e3i su\u1ea5t c\u00e1c kho\u1ea3n vay c\u00e1c c\u00f4ng ty t\u00e0i ch\u00ednh d\u1ef1a tr\u00ean s\u1ef1 th\u1ecfa thu\u1eadn n\u00ean h\u1ecd \u0111\u01b0a ra l\u00e3i su\u1ea5t cao h\u01a1n th\u1ebf nhi\u1ec1u l\u1ea7n v\u1eabn kh\u00f4ng b\u1ecb r\u00e0ng bu\u1ed9c b\u1edfi lu\u1eadt ph\u00e1p. Th\u1ee9 n\u1eefa, do vay d\u1ec5, kh\u00f4ng c\u00f3 t\u00e0i s\u1ea3n th\u1ebf ch\u1ea5p n\u00ean r\u1ee7i ro cao. Trong tr\u01b0\u1eddng h\u1ee3p n\u00e0y, t\u1ed5 ch\u1ee9c t\u00edn d\u1ee5ng n\u1eafm \u201c\u0111\u1eb1ng l\u01b0\u1ee1i\u201d n\u00ean kh\u00e1ch h\u00e0ng n\u1ed9p ch\u1eadm, ch\u00e2y \u00ec l\u00e0 b\u1ecb c\u00e1c c\u00f4ng ty t\u00e0i ch\u00ednh s\u1eed d\u1ee5ng bi\u1ec7n ph\u00e1p thu h\u1ed3i n\u1ee3 m\u1ea1nh, c\u1ee5 th\u1ec3 \u1edf \u0111\u00e2y l\u00e0 g\u1ecdi \u0111i\u1ec7n, nh\u1eafn tin, \u0111e d\u1ecda&#8230;\u00a0<\/em><\/p>\n<p>Theo c\u00e1c chuy\u00ean gia, c\u1ea7n nghi\u00ean c\u1ee9u xem x\u00e9t m\u1ed9t c\u00e1ch nghi\u00eam t\u00fac v\u1ec1 v\u1ea5n \u0111\u1ec1 l\u00e3i su\u1ea5t cho vay trong h\u1ee3p \u0111\u1ed3ng t\u00edn d\u1ee5ng ti\u00eau d\u00f9ng. C\u1ee5c C\u1ea1nh tranh v\u00e0 B\u1ea3o v\u1ec7 NTD \u0111\u00e3 c\u00f3 v\u0103n b\u1ea3n \u0111\u1ec1 ngh\u1ecb c\u01a1 quan li\u00ean quan c\u1ee7a Ng\u00e2n h\u00e0ng Nh\u00e0 n\u01b0\u1edbc nghi\u00ean c\u1ee9u v\u00e0 cho \u00fd ki\u1ebfn \u0111\u00f3ng g\u00f3p \u0111\u1ec3 tr\u00e1nh t\u00ecnh tr\u1ea1ng c\u00f3 c\u00f4ng ty t\u00edn d\u1ee5ng cho vay v\u1edbi l\u00e3i su\u1ea5t l\u00ean \u0111\u1ebfn 84%\/n\u0103m m\u00e0 v\u1eabn \u0111\u01b0\u1ee3c xem l\u00e0 h\u1ee3p l\u00fd. <em>Trong th\u1eddi gian ch\u1edd \u0111\u1ee3i khung ph\u00e1p l\u00fd \u0111\u01b0\u1ee3c ho\u00e0n thi\u1ec7n, LS Tr\u01b0\u01a1ng Thanh \u0110\u1ee9c, NTD c\u1ea7n th\u1eadn tr\u1ecdng, \u0111\u1ecdc v\u00e0 t\u00ecm hi\u1ec3u k\u1ef9 c\u00e1c \u0111i\u1ec1u kho\u1ea3n h\u1ee3p \u0111\u1ed3ng, t\u00ednh to\u00e1n tr\u01b0\u1edbc kh\u1ea3 n\u0103ng t\u00e0i ch\u00ednh khi vay tr\u01b0\u1edbc khi \u0111\u1eb7t b\u00fat k\u00fd h\u1ee3p \u0111\u1ed3ng.<\/em> V\u1edbi tr\u01b0\u1eddng h\u1ee3p b\u1ecb kh\u1ee7ng b\u1ed1 \u0111i\u1ec7n tho\u1ea1i nh\u1eafc n\u1ee3, C\u1ee5c C\u1ea1nh tranh v\u00e0 B\u1ea3o v\u1ec7 NTD cho r\u1eb1ng \u0111\u00e2y l\u00e0 h\u00e0nh vi vi ph\u1ea1m ph\u00e1p lu\u1eadt, NTD c\u1ea7n thu th\u1eadp b\u1eb1ng ch\u1ee9ng (ch\u1ee5p \u1ea3nh m\u00e0n h\u00ecnh \u0111i\u1ec7n tho\u1ea1i c\u00f3 danh s\u00e1ch s\u1ed1 \u0111i\u1ec7n tho\u1ea1i li\u00ean h\u1ec7, g\u1eedi tin nh\u1eafn ho\u1eb7c n\u1ed9i dung ghi \u00e2m\u2026) \u0111\u1ec3 g\u1eedi k\u00e8m \u0111\u01a1n khi\u1ebfu n\u1ea1i t\u1edbi c\u01a1 quan ch\u1ee9c n\u0103ng \u0111\u1ec3 \u0111\u01b0\u1ee3c h\u01b0\u1edbng d\u1eabn b\u1ea3o v\u1ec7 quy\u1ec1n l\u1ee3i.<\/p>\n<p><strong>Nguy\u1ec5n H\u01b0\u01a1ng<\/strong><\/p>\n<p>&#8212;&#8212;&#8212;&#8212;&#8211;<\/p>\n<p><strong><em>Ph\u1ee5 n\u1eef Th\u1ee7 \u0111\u00f4 (Kinh t\u1ebf &#8211; X\u00e3 h\u1ed9i) 23-5-2018:<\/em><\/strong><\/p>\n<p><a href=\"http:\/\/baophunuthudo.vn\/article\/27566\/169\/cho-vay-tieu-dung-mieng-ngon-chang-con-den-trua\"><em>http:\/\/baophunuthudo.vn\/article\/27566\/169\/cho-vay-tieu-dung-mieng-ngon-chang-con-den-trua<\/em><\/a><\/p>\n<p><em>(198\/1.151)<\/em>","protected":false},"excerpt":{"rendered":"<p>(PNT\u0110) &#8211; Th\u1ee7 t\u1ee5c \u0111\u01a1n gi\u1ea3n, kh\u00f4ng c\u1ea7n t\u00e0i s\u1ea3n th\u1ebf ch\u1ea5p, ch\u1ec9 c\u1ea7n ch\u1ee9ng minh th\u01b0, ng\u01b0\u1eddi ti\u00eau d\u00f9ng (NTD) c\u00f3 nhu c\u1ea7u \u0111\u00e3 \u0111\u01b0\u1ee3c gi\u1ea3i ng\u00e2n ngay m\u1ed9t kho\u1ea3n vay t\u1eeb c\u00e1c c\u00f4ng ty t\u00e0i ch\u00ednh. Tuy nhi\u00ean&#8230; Th\u1ee7 t\u1ee5c \u0111\u01a1n gi\u1ea3n, kh\u00f4ng c\u1ea7n t\u00e0i s\u1ea3n th\u1ebf ch\u1ea5p, ch\u1ec9 c\u1ea7n ch\u1ee9ng minh th\u01b0, [&hellip;]<\/p>\n","protected":false},"author":3,"featured_media":26783,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":""},"categories":[17,26],"tags":[],"class_list":["post-26776","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-binh-luan-gop-y","category-legal-media"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v26.9 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>1.837. 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