{"id":26955,"date":"2017-05-23T09:37:00","date_gmt":"2017-05-23T02:37:00","guid":{"rendered":"https:\/\/anvilaw.com\/vi\/?p=26955"},"modified":"2022-06-15T09:40:16","modified_gmt":"2022-06-15T02:40:16","slug":"1-317-dung-bien-ngan-hang-thanh-nguoi-hanh-khat","status":"publish","type":"post","link":"https:\/\/anvilaw.com\/vi\/1-317-dung-bien-ngan-hang-thanh-nguoi-hanh-khat\/","title":{"rendered":"1.317. \u0110\u1eebng bi\u1ebfn ng\u00e2n h\u00e0ng th\u00e0nh ng\u01b0\u1eddi “h\u00e0nh kh\u1ea5t”"},"content":{"rendered":"(DT) – N\u1ee3 x\u1ea5u, n\u1ee3 ti\u1ec1m \u1ea9n tr\u1edf th\u00e0nh n\u1ee3 x\u1ea5u c\u00f3 nguy c\u01a1 t\u0103ng tr\u1edf l\u1ea1i. Trong khi \u0111\u00f3, qu\u00e1 tr\u00ecnh x\u1eed l\u00fd n\u1ee3 x\u1ea5u \u0111\u1ebfn nay cho th\u1ea5y c\u00f2n nhi\u1ec1u kh\u00f3 kh\u0103n, v\u01b0\u1edbng m\u1eafc ch\u01b0a \u0111\u01b0\u1ee3c th\u00e1o g\u1ee1.<\/strong><\/p>\n

\u0110\u00e3 x\u1eed l\u00fd \u0111\u01b0\u1ee3c 611.590 t\u1ef7 \u0111\u1ed3ng n\u1ee3 x\u1ea5u<\/strong><\/p>\n

B\u00e1o c\u00e1o tr\u01b0\u1edbc Qu\u1ed1c h\u1ed9i, Th\u1ed1ng \u0111\u1ed1c Ng\u00e2n h\u00e0ng Nh\u00e0 n\u01b0\u1edbc (NHNN) L\u00ea Minh H\u01b0ng cho bi\u1ebft, trong 4 n\u0103m (t\u1eeb 2012-2016), to\u00e0n h\u1ec7 th\u1ed1ng t\u1ed5 ch\u1ee9c t\u00edn d\u1ee5ng (TCTD) \u0111\u00e3 x\u1eed l\u00fd \u0111\u01b0\u1ee3c 611.590 t\u1ef7 \u0111\u1ed3ng n\u1ee3 x\u1ea5u.<\/p>\n

\u0110\u1ebfn cu\u1ed1i n\u0103m 2016, VAMC \u0111\u00e3 c\u00f9ng v\u1edbi c\u00e1c TCTD x\u1eed l\u00fd \u0111\u01b0\u1ee3c 50.139 t\u1ef7 \u0111\u1ed3ng n\u1ee3 x\u1ea5u trong t\u1ed5ng s\u1ed1 245.924 t\u1ef7 \u0111\u1ed3ng n\u1ee3 x\u1ea5u \u0111\u00e3 mua b\u1eb1ng tr\u00e1i phi\u1ebfu \u0111\u1eb7c bi\u1ec7t.<\/p>\n

Tuy nhi\u00ean, theo l\u01b0u \u00fd c\u1ee7a \u00f4ng L\u00ea Minh H\u01b0ng, n\u1ee3 x\u1ea5u, n\u1ee3 ti\u1ec1m \u1ea9n tr\u1edf th\u00e0nh n\u1ee3 x\u1ea5u c\u00f3 nguy c\u01a1 t\u0103ng tr\u1edf l\u1ea1i. T\u00ednh \u0111\u1ebfn 31\/12\/2016, t\u1ef7 l\u1ec7 n\u1ee3 x\u1ea5u n\u1ed9i b\u1ea3ng, n\u1ee3 x\u1ea5u \u0111\u00e3 b\u00e1n cho VAMC ch\u01b0a x\u1eed l\u00fd chi\u1ebfm 5,8% tr\u00ean t\u1ed5ng d\u01b0 n\u1ee3 cho vay, \u0111\u1ea7u t\u01b0 \u0111\u1ed1i v\u1edbi n\u1ec1n kinh t\u1ebf; n\u1ebfu t\u00ednh c\u1ea3 n\u1ee3 ti\u1ec1m \u1ea9n tr\u1edf th\u00e0nh n\u1ee3 x\u1ea5u th\u00ec t\u1ef7 l\u1ec7 n\u00e0y s\u1ebd l\u00e0 10,08% tr\u00ean t\u1ed5ng d\u01b0 n\u1ee3 cho vay, \u0111\u1ea7u t\u01b0 \u0111\u1ed1i v\u1edbi n\u1ec1n kinh t\u1ebf.<\/p>\n

\u0110\u00e1nh gi\u00e1 v\u1ec1 qu\u00e1 tr\u00ecnh x\u1eed l\u00fd n\u1ee3 x\u1ea5u th\u1eddi gian qua, TS.Nguy\u1ec5n \u0110\u1ee9c H\u01b0\u1edfng, c\u1ed1 v\u1ea5n cao c\u1ea5p c\u1ee7a Ng\u00e2n h\u00e0ng B\u01b0u \u0111i\u1ec7n Li\u00ean Vi\u1ec7t (LienVietPostBank) cho bi\u1ebft: M\u1ea5y n\u0103m qua, c\u00e1c ng\u00e2n h\u00e0ng \u0111\u00e3 t\u1ef1 x\u1eed l\u00fd \u0111\u01b0\u1ee3c kho\u1ea3ng 53% n\u1ee3 x\u1ea5u, c\u00f2n l\u1ea1i 47%, trong \u0111\u00f3 43% l\u00e0 n\u1ee3 x\u1ea5u \u0111ang v\u01b0\u1edbng m\u1eafc v\u1ec1 m\u1eb7t c\u01a1 ch\u1ebf kh\u00f4ng th\u1ec3 t\u1ef1 x\u1eed l\u00fd \u0111\u01b0\u1ee3c trong khi n\u1ec1n kinh t\u1ebf \u0111ang thi\u1ebfu v\u1ed1n s\u1ea3n xu\u1ea5t kinh doanh d\u1eabn \u0111\u1ebfn t\u0103ng tr\u01b0\u1edfng th\u1ea5p.<\/p>\n

\u00d4ng H\u01b0\u1edfng nh\u1ea5n m\u1ea1nh, ch\u00fang ta ph\u1ea3i nh\u00ecn th\u1eb3ng s\u1ef1 th\u1eadt \u0111\u00f3 m\u1edbi m\u1ea1nh d\u1ea1n cho ra \u0111\u1eddi nh\u1eefng c\u01a1 ch\u1ebf ph\u00f9 h\u1ee3p. Tuy nhi\u00ean, ngh\u1ecb quy\u1ebft x\u1eed l\u00fd n\u1ee3 x\u1ea5u \u0111\u1eebng bi\u1ebfn ng\u00e2n h\u00e0ng th\u00e0nh ng\u01b0\u1eddi “h\u00e0nh kh\u1ea5t”! Theo di\u1ec5n gi\u1ea3i c\u1ee7a \u00f4ng H\u01b0\u1edfng, n\u1ebfu kh\u00f4ng cho ph\u00e9p ng\u00e2n h\u00e0ng thu gi\u1eef v\u00e0 x\u1eed l\u00fd t\u00e0i s\u1ea3n th\u1ebf ch\u1ea5p thu h\u1ed3i n\u1ee3 x\u1ea5u th\u00ec d\u1ec5 d\u1eabn t\u1edbi t\u00ecnh hu\u1ed1ng: ng\u00e2n h\u00e0ng \u0111i “l\u1ea1y” c\u00f4ng an, “l\u1ea1y” t\u00f2a \u00e1n, c\u1ea7u xin thi h\u00e0nh \u00e1n, t\u1eeb ch\u1ee7 n\u1ee3 bi\u1ebfn th\u00e0nh con n\u1ee3, khi cho vay th\u00ec \u0111\u1ee9ng c\u00f2n khi \u0111i \u0111\u00f2i n\u1ee3 th\u00ec “qu\u1ef3”… m\u1ea5t r\u1ea5t nhi\u1ec1u th\u1eddi gian, chi ph\u00ed t\u0103ng l\u00ean, n\u1ee3 x\u1ea5u t\u00edch t\u1ee5 l\u1ea1i th\u00e0nh “c\u1ee5c m\u00e1u \u0111\u00f4ng”.<\/p>\n

Tr\u00ecnh b\u00e0y t\u1ea1i Qu\u1ed1c h\u1ed9i v\u1ec1 d\u1ef1 th\u1ea3o Ngh\u1ecb quy\u1ebft c\u1ee7a Qu\u1ed1c h\u1ed9i v\u1ec1 x\u1eed l\u00fd n\u1ee3 x\u1ea5u c\u1ee7a c\u00e1c t\u1ed5 ch\u1ee9c t\u00edn d\u1ee5ng, Th\u1ed1ng \u0111\u1ed1c L\u00ea Minh H\u01b0ng c\u0169ng cho hay, qu\u00e1 tr\u00ecnh x\u1eed l\u00fd n\u1ee3 x\u1ea5u \u0111\u1ebfn nay cho th\u1ea5y c\u00f2n nhi\u1ec1u kh\u00f3 kh\u0103n, v\u01b0\u1edbng m\u1eafc ch\u01b0a \u0111\u01b0\u1ee3c th\u00e1o g\u1ee1. Trong \u0111\u00f3, qua\u0301 tri\u0300nh xe\u0301t x\u01b0\u0309, thi ha\u0300nh a\u0301n v\u01a1\u0301i nhi\u00ea\u0300u thu\u0309 tu\u0323c ph\u01b0\u0301c ta\u0323p, ke\u0301o da\u0300i la\u0300m cho vi\u1ec7c x\u1eed l\u00fd n\u1ee3 x\u1ea5u th\u00f4ng qua t\u00f2a \u00e1n, thi h\u00e0nh \u00e1n r\u1ea5t ch\u1eadm, kh\u00f4ng hi\u1ec7u qu\u1ea3. Theo \u0111\u00f3, th\u1eddi gian gi\u1ea3i quy\u1ebft kho\u1ea3ng 400 ng\u00e0y, nh\u01b0ng th\u1ef1c t\u1ebf l\u00e0 kho\u1ea3ng 2 n\u0103m; chi ph\u00ed chi\u1ebfm kho\u1ea3ng 29% gi\u00e1 tr\u1ecb \u0111\u00f2i n\u1ee3.<\/p>\n

Ch\u01b0a k\u1ec3, vi\u1ec7c x\u1eed l\u00fd n\u1ee3 x\u1ea5u th\u00f4ng qua x\u1eed l\u00fd t\u00e0i s\u1ea3n b\u1ea3o \u0111\u1ea3m, b\u00e1n kho\u1ea3n n\u1ee3 theo c\u01a1 ch\u1ebf th\u1ecb tr\u01b0\u1eddng, thu n\u1ee3 kh\u00e1ch h\u00e0ng vay c\u00f2n nhi\u1ec1u h\u1ea1n ch\u1ebf, d\u1eabn \u0111\u1ebfn kh\u00f3 x\u1eed l\u00fd n\u1ee3 x\u1ea5u m\u1ed9t c\u00e1ch tri\u1ec7t \u0111\u1ec3. Th\u1ed1ng k\u00ea cho th\u1ea5y, n\u1ee3 t\u1ed3n \u0111\u1ecdng t\u1ea1i kh\u00e2u thi h\u00e0nh \u00e1n d\u00e2n s\u1ef1 t\u00ednh \u0111\u1ebfn 31\/3\/2017 l\u00e0 17.184 vi\u1ec7c, v\u1edbi s\u1ed1 ti\u1ec1n c\u00f2n ph\u1ea3i thi h\u00e0nh \u00e1n kho\u1ea3ng 65.489 t\u1ef7 \u0111\u1ed3ng.<\/p>\n

Ti\u1ec1n cho vay l\u00e0 ti\u1ec1n c\u1ee7a d\u00e2n<\/strong><\/p>\n

Chi\u1ec1u nay 23\/5, B\u00e1o Ng\u01b0\u1eddi \u0111\u1ea1i bi\u1ec3u nh\u00e2n d\u00e2n \u0111\u00e3 t\u1ed5 ch\u1ee9c H\u1ed9i th\u1ea3o X\u1eed l\u00fd n\u1ee3 x\u1ea5u – Nh\u00ecn t\u1eeb g\u00f3c \u0111\u1ed9 ch\u00ednh s\u00e1ch v\u00e0 ph\u00e1p lu\u1eadt. T\u1ea1i h\u1ed9i th\u1ea3o, c\u00e1c di\u1ec5n gi\u1ea3 \u0111\u00e3 ph\u00e2n t\u00edch, “m\u1ed5 x\u1ebb” nh\u1eefng kh\u00f3 kh\u0103n, v\u01b0\u1edbng m\u1eafc c\u1ee7a qu\u00e1 tr\u00ecnh x\u1eed l\u00fd n\u1ee3 x\u1ea5u. C\u00e1c di\u1ec5n gi\u1ea3 cho r\u1eb1ng, quan \u0111i\u1ec3m x\u00e2y d\u1ef1ng v\u00e0 th\u1ef1c thi ph\u00e1p lu\u1eadt hi\u1ec7n nay c\u1ea7n ph\u1ea3i \u0111\u01b0\u1ee3c thay \u0111\u1ed5i.<\/p>\n

V\u1edbi vai tr\u00f2 l\u00e0 trung gian t\u00e0i ch\u00ednh, s\u1ed1 ti\u1ec1n TCTD cho vay \u0111\u01b0\u1ee3c huy \u0111\u1ed9ng t\u1eeb ng\u01b0\u1eddi g\u1eedi ti\u1ec1n. Vi\u1ec7c kh\u00f4ng cho ph\u00e9p th\u1ef1c hi\u1ec7n quy\u1ec1n thu gi\u1eef t\u00e0i s\u1ea3n \u0111\u1ea3m b\u1ea3o c\u1ee7a TCTD s\u1ebd \u1ea3nh h\u01b0\u1edfng l\u1edbn \u0111\u1ebfn kh\u1ea3 n\u0103ng thu h\u1ed3i n\u1ee3 c\u1ee7a TCTD, c\u00f3 th\u1ec3 g\u00e2y ra t\u00ecnh tr\u1ea1ng TCTD kh\u00f4ng thu h\u1ed3i \u0111\u01b0\u1ee3c c\u00e1c kho\u1ea3n n\u1ee3 n\u00e0y. Khi TCTD kh\u00f4ng thu h\u1ed3i \u0111\u01b0\u1ee3c n\u1ee3 th\u00ec s\u1ebd \u1ea3nh h\u01b0\u1edfng l\u1edbn \u0111\u1ebfn kh\u1ea3 n\u0103ng thanh kho\u1ea3n, kh\u1ea3 n\u0103ng chi tr\u1ea3 c\u00e1c kho\u1ea3n ti\u1ec1n g\u1eedi \u0111\u1ebfn h\u1ea1n \u0111\u00e3 huy \u0111\u1ed9ng \u0111\u1ec3 cho vay tr\u01b0\u1edbc \u0111\u00e2y (ti\u1ec1n g\u1eedi c\u1ee7a c\u00e1 nh\u00e2n).<\/p>\n

\"\"<\/p>\n

D\u00f9 \u0111\u00e3 x\u1eed l\u00fd \u0111\u01b0\u1ee3c 611.590 t\u1ef7 \u0111\u1ed3ng, nh\u01b0ng qu\u00e1 tr\u00ecnh x\u1eed l\u00fd n\u1ee3 x\u1ea5u \u0111\u1ebfn nay c\u00f2n nhi\u1ec1u kh\u00f3 kh\u0103n, v\u01b0\u1edbng m\u1eafc ch\u01b0a \u0111\u01b0\u1ee3c th\u00e1o g\u1ee1 (\u1ea3nh minh h\u1ecda).<\/p>\n

Nh\u01b0 v\u1eady, vi\u1ec7c TCTD kh\u00f4ng \u0111\u01b0\u1ee3c quy\u1ec1n thu gi\u1eef t\u00e0i s\u1ea3n b\u1ea3o \u0111\u1ea3m nh\u01b0 c\u00e1c quy \u0111\u1ecbnh tr\u01b0\u1edbc \u0111\u00e2y c\u00f3 th\u1ec3 \u1ea3nh h\u01b0\u1edfng tr\u1ef1c ti\u1ebfp \u0111\u1ebfn quy\u1ec1n l\u1ee3i c\u1ee7a \u0111a s\u1ed1 ng\u01b0\u1eddi g\u1eedi ti\u1ec1n. \u0110i\u1ec1u n\u00e0y c\u00f3 ngh\u0129a l\u00e0, vi\u1ec7c b\u1ea3o v\u1ec7 quy\u1ec1n l\u1ee3i c\u1ee7a kh\u00e1ch h\u00e0ng ch\u00e2y \u1ef3, vi ph\u1ea1m cam k\u1ebft theo h\u1ee3p \u0111\u1ed3ng s\u1ebd c\u00f3 th\u1ec3 \u1ea3nh h\u01b0\u1edfng l\u1edbn \u0111\u1ebfn quy\u1ec1n h\u1ee3p ph\u00e1p c\u1ee7a \u0111a s\u1ed1 ng\u01b0\u1eddi g\u1eedi ti\u1ec1n, ti\u1ec1m \u1ea9n r\u1ee7i ro g\u00e2y m\u1ea5t an to\u00e0n h\u1ec7 th\u1ed1ng TCTD, an to\u00e0n tr\u1eadt t\u1ef1 x\u00e3 h\u1ed9i.<\/p>\n

Lu\u1eadt s\u01b0 Tr\u01b0\u01a1ng Thanh \u0110\u1ee9c, Gi\u00e1m \u0111\u1ed1c C\u00f4ng ty Lu\u1eadt ANVI v\u00ed n\u1ee3 x\u1ea5u “gi\u1ed1ng nh\u01b0 s\u1ea3n ph\u1ea9m t\u1ed3n \u0111\u1ecdng, nh\u01b0 h\u00e0ng h\u00f3a khuy\u1ebft t\u1eadt, nh\u01b0 \u0111\u1ed3 d\u00f9ng qu\u00e1 h\u1ea1n, nh\u01b0 th\u1eddi trang l\u1ed7i m\u1ed1t. V\u00ec v\u1eady, y\u00eau c\u1ea7u c\u1ea5p thi\u1ebft l\u00e0 ph\u1ea3i gi\u1ea3i quy\u1ebft thanh l\u00fd, h\u1ea1 gi\u00e1, gi\u1ea3i t\u1ecfa c\u00e0ng nhanh c\u00e0ng t\u1ed1t”.<\/em><\/p>\n

\u00d4ng \u0110\u1ee9c cho hay, n\u1ee3 x\u1ea5u s\u1ebd \u1ea3nh h\u01b0\u1edfng tr\u1ef1c ti\u1ebfp, r\u00f5 r\u1ec7t v\u00e0 nguy hi\u1ec3m \u0111\u1ebfn vi\u1ec7c cho vay. Kh\u00f4ng thu \u0111\u01b0\u1ee3c n\u1ee3 th\u00ec c\u0169ng \u0111\u1ed3ng ngh\u0129a v\u1edbi kh\u00f4ng c\u00f3 kh\u1ea3 n\u0103ng cho vay; Thu \u0111\u01b0\u1ee3c n\u1ee3 c\u00e0ng \u00edt th\u00ec cho vay c\u00e0ng \u00edt v\u00e0 l\u00e3i su\u1ea5t c\u00e0ng cao. Do \u0111\u00f3, theo ph\u00e2n t\u00edch c\u1ee7a \u00f4ng \u0110\u1ee9c, B\u1ed9 lu\u1eadt D\u00e2n s\u1ef1 n\u0103m 2015 \u0111\u00e3 quy \u0111\u1ecbnh v\u1ec1 quy\u1ec1n \u0111\u01b0\u1ee3c thu gi\u1eef t\u00e0i s\u1ea3n b\u1ea3o \u0111\u1ea3m trong \u201ctr\u01b0\u1eddng h\u1ee3p lu\u1eadt li\u00ean quan c\u00f3 quy \u0111\u1ecbnh kh\u00e1c\u201d. Vi\u1ec7c Qu\u1ed1c h\u1ed9i ban h\u00e0nh m\u1ed9t \u0111\u1ea1o lu\u1eadt (hi\u1ec7n nay \u0111ang \u0111\u01b0\u1ee3c th\u1ec3 hi\u1ec7n d\u01b0\u1edbi h\u00ecnh th\u1ee9c Ngh\u1ecb quy\u1ebft c\u1ee7a Qu\u1ed1c h\u1ed9i) l\u00e0 r\u1ea5t c\u1ea7n thi\u1ebft v\u00e0 ho\u00e0n to\u00e0n th\u1ed1ng nh\u1ea5t v\u1edbi quy \u0111\u1ecbnh c\u1ee7a B\u1ed9 lu\u1eadt D\u00e2n s\u1ef1 n\u0103m 2015.<\/em><\/p>\n

“V\u00e0 trong m\u1ecdi tr\u01b0\u1eddng h\u1ee3p, c\u0169ng ch\u1ec9 \u0111\u1eb7t ra vi\u1ec7c thu gi\u1eef t\u00e0i s\u1ea3n b\u1ea3o \u0111\u1ea3m khi \u0111\u00e3 c\u00f3 th\u1ecfa thu\u1eadn c\u1ee5 th\u1ec3 gi\u1eefa b\u00ean s\u1edf h\u1eefu t\u00e0i s\u1ea3n b\u1ea3o \u0111\u1ea3m v\u00e0 b\u00ean nh\u1eadn t\u00e0i s\u1ea3n b\u1ea3o \u0111\u1ea3m. Khi \u0111\u00e3 t\u1ef1 nguy\u1ec7n th\u1ecfa thu\u1eadn \u0111\u01b0a t\u00e0i s\u1ea3n thu\u1ed9c quy\u1ec1n s\u1edf h\u1eefu c\u1ee7a m\u00ecnh v\u00e0o c\u1ea7m c\u1ed1, th\u1ebf ch\u1ea5p, ch\u1ee7 s\u1edf h\u1eefu t\u00e0i s\u1ea3n c\u0169ng \u0111\u00e3 \u0111\u1ed3ng \u00fd cho ph\u00e9p t\u1ed5 ch\u1ee9c t\u00edn d\u1ee5ng c\u00f3 quy\u1ec1n x\u1eed l\u00fd t\u00e0i s\u1ea3n b\u1ea3o \u0111\u1ea3m khi kh\u00f4ng tr\u1ea3 \u0111\u01b0\u1ee3c n\u1ee3 \u0111\u1ebfn h\u1ea1n. Do v\u1eady, vi\u1ec7c thu gi\u1eef t\u00e0i s\u1ea3n b\u1ea3o \u0111\u1ea3m th\u1ef1c ra ch\u1ec9 l\u00e0 m\u1ed9t kh\u00e2u h\u1ed7 tr\u1ee3 c\u1ea7n thi\u1ebft \u0111\u1ec3 c\u00f3 th\u1ec3 x\u1eed l\u00fd ph\u00e1t m\u1ea1i, chuy\u1ec3n giao quy\u1ec1n s\u1edf h\u1eefu t\u00e0i s\u1ea3n b\u1ea3o \u0111\u1ea3m tr\u00ean th\u1ef1c t\u1ebf”, \u00f4ng \u0110\u1ee9c n\u00f3i.<\/em><\/p>\n

C\u0169ng theo \u0111\u00e1nh gi\u00e1 c\u1ee7a \u00f4ng \u0110\u1ee9c, vi\u1ec7c ph\u00e1p lu\u1eadt ghi nh\u1eadn quy\u1ec1n thu gi\u1eef t\u00e0i s\u1ea3n b\u1ea3o \u0111\u1ea3m c\u00f3 \u00fd ngh\u0129a \u0111\u1eb7c bi\u1ec7t quan tr\u1ecdng \u0111\u1ec3 con (kh\u00e1ch) n\u1ee3 v\u00e0 b\u00ean th\u1ebf ch\u1ea5p t\u00e0i s\u1ea3n n\u00f3i chung, th\u1ebf ch\u1ea5p nh\u00e0 \u1edf n\u00f3i ri\u00eang ph\u1ea3i t\u00f4n s\u1ef1 tr\u1ecdng cam k\u1ebft, th\u1ecfa thu\u1eadn, t\u0103ng th\u00eam \u00fd th\u1ee9c, tr\u00e1ch nhi\u1ec7m ph\u00e1p l\u00fd c\u1ee7a m\u00ecnh trong vi\u1ec7c tr\u1ea3 n\u1ee3 v\u00e0 x\u1eed l\u00fd t\u00e0i s\u1ea3n b\u1ea3o \u0111\u1ea3m. C\u00f2n n\u1ebfu nh\u01b0 b\u1ecf quy \u0111\u1ecbnh v\u1ec1 quy\u1ec1n thu gi\u1eef t\u00e0i s\u1ea3n th\u1ebf ch\u1ea5p th\u00ec ngh\u0129a v\u1ee5 \u201cgiao t\u00e0i s\u1ea3n b\u1ea3o \u0111\u1ea3m cho b\u00ean nh\u1eadn b\u1ea3o \u0111\u1ea3m \u0111\u1ec3 x\u1eed l\u00fd\u201d theo quy \u0111\u1ecbnh t\u1ea1i \u0110i\u1ec1u 301 v\u1ec1 \u201cGiao t\u00e0i s\u1ea3n b\u1ea3o \u0111\u1ea3m \u0111\u1ec3 x\u1eed l\u00fd\u201d, B\u1ed9 lu\u1eadt D\u00e2n s\u1ef1 n\u0103m 2015 s\u1ebd l\u1eadp t\u1ee9c tr\u1edf v\u1ec1 g\u1ea7n nh\u01b0 b\u1eb1ng kh\u00f4ng. Khi \u0111\u00f3, nguy c\u01a1 c\u00e0ng kh\u00f3 x\u1eed l\u00fd n\u1ee3 x\u1ea5u v\u00e0 t\u00e0i s\u1ea3n b\u1ea3o \u0111\u1ea3m.<\/em><\/p>\n

TS. Nguy\u1ec5n \u0110\u1ee9c H\u01b0\u1edfng: <\/strong>Li\u00ean quan \u0111\u1ebfn quy\u1ec1n thu gi\u1eef t\u00e0i s\u1ea3n b\u1ea3o \u0111\u1ea3m c\u1ee7a c\u00e1c TCTD, c\u00f3 \u00fd ki\u1ebfn \u0111\u1ec1 xu\u1ea5t chia th\u00e0nh 2 tr\u01b0\u1eddng h\u1ee3p. Th\u1ee9 nh\u1ea5t, tr\u01b0\u1eddng h\u1ee3p b\u00ean b\u1ea3o \u0111\u1ea3m, b\u00ean gi\u1eef t\u00e0i s\u1ea3n b\u1ea3o \u0111\u1ea3m c\u1ee7a kho\u1ea3n n\u1ee3 x\u1ea5u c\u00f3 th\u1ecfa thu\u1eadn \u0111\u1ed3ng \u00fd cho TCTD c\u00f3 quy\u1ec1n x\u1eed l\u00fd t\u00e0i s\u1ea3n b\u1ea3o \u0111\u1ea3m th\u00ec c\u00e1c b\u00ean th\u1ef1c hi\u1ec7n quy\u1ec1n x\u1eed l\u00fd t\u00e0i s\u1ea3n b\u1ea3o \u0111\u1ea3m theo n\u1ed9i dung h\u1ee3p \u0111\u1ed3ng \u0111\u00e3 th\u1ecfa thu\u1eadn. Th\u1ee9 hai, tr\u01b0\u1eddng h\u1ee3p kh\u00f4ng \u0111\u1ea1t \u0111\u01b0\u1ee3c th\u1ecfa thu\u1eadn gi\u1eefa c\u00e1c b\u00ean v\u1ec1 x\u1eed l\u00fd t\u00e0i s\u1ea3n b\u1ea3o \u0111\u1ea3m th\u00ec TCTD c\u00f3 quy\u1ec1n y\u00eau c\u1ea7u t\u00f2a \u00e1n \u00e1p d\u1ee5ng th\u1ee7 t\u1ee5c r\u00fat g\u1ecdn.<\/p>\n

T\u00f4i cho r\u1eb1ng, t\u00e1ch l\u00e0m hai b\u01b0\u1edbc nh\u01b0 v\u1eady ch\u1ec9 l\u00e0m ph\u1ee9c t\u1ea1p th\u00eam t\u00ecnh h\u00ecnh. Tr\u01b0\u1edbc khi \u0111i vay, ng\u01b0\u1eddi vay \u0111\u00e3 ch\u1ea5p thu\u1eadn \u0111em quy\u1ec1n s\u1eed d\u1ee5ng, s\u1edf h\u1eefu \u0111i th\u1ebf ch\u1ea5p c\u00f3 c\u00f4ng ch\u1ee9ng ch\u1ee9ng gi\u00e1m v\u00e0 c\u00f3 \u0111\u0103ng k\u00fd giao d\u1ecbch b\u1ea3o \u0111\u1ea3m r\u1ed3i. T\u1ee9c l\u00e0 n\u1ebfu ng\u01b0\u1eddi vay kh\u00f4ng th\u1ef1c hi\u1ec7n \u0111\u00fang ngh\u0129a v\u1ee5 \u0111\u00e3 th\u1ecfa thu\u1eadn th\u00ec \u0111\u01b0\u01a1ng nhi\u00ean b\u1ecb m\u1ea5t quy\u1ec1n s\u1eed d\u1ee5ng v\u00e0 s\u1edf h\u1eefu.<\/p>\n

Nh\u01b0ng n\u1ebfu bi\u1ebft lu\u1eadt ph\u00e1p c\u00f3 quy \u0111\u1ecbnh tr\u01b0\u1eddng h\u1ee3p th\u1ee9 2, d\u00f9 bi\u1ebft r\u1eb1ng m\u00ecnh kh\u00f4ng th\u1ef1c hi\u1ec7n \u0111\u00fang ngh\u0129a v\u1ee5 nh\u01b0ng h\u1ecd s\u1eb5n s\u00e0ng c\u00e3i c\u00f9n, kh\u00f4ng \u0111\u1ed3ng thu\u1eadn \u0111\u1ec3 \u201cch\u1ea1y\u201d t\u00f2a \u00e1n v\u00e0 thi h\u00e0nh \u00e1n\u2026 \u201ch\u00e0nh l\u1ea1i\u201d ng\u00e2n h\u00e0ng. D\u00f9 ng\u00e2n h\u00e0ng c\u00f3 th\u1eafng t\u1ea1i t\u00f2a th\u00ec thi h\u00e0nh \u00e1n \u0111\u01b0\u1ee3c c\u0169ng m\u1ea5t v\u00e0i n\u0103m v\u00e0 c\u1ee5c m\u00e1u \u0111\u00f4ng n\u1ee3 x\u1ea5u l\u1ea1i c\u00f3 m\u00f4i tr\u01b0\u1eddng h\u00ecnh th\u00e0nh th\u00ec c\u00f3 n\u00ean ch\u0103ng?<\/p>\n

\u0110\u1ea1i di\u1ec7n VPBank:<\/strong>\u00a0C\u00f3 m\u1ed9t gi\u1ea3i ph\u00e1p kh\u00e1c m\u00e0 c\u00e1c TCTD c\u00f3 th\u1ec3 s\u1eed d\u1ee5ng \u0111\u1ec3 ti\u1ebfn h\u00e0nh kh\u1edfi ki\u1ec7n c\u00e1c kh\u00e1ch h\u00e0ng \u0111\u00e3 b\u1ecf tr\u1ed1n l\u00e0 \u0111\u1ec1 ngh\u1ecb T\u00f2a \u00e1n ti\u1ebfn h\u00e0nh th\u1ee5 l\u00fd gi\u1ea3i quy\u1ebft vi\u1ec7c d\u00e2n s\u1ef1 \u0111\u1ec3 tuy\u00ean b\u1ed1 ng\u01b0\u1eddi \u0111\u00f3 m\u1ea5t t\u00edch ho\u1eb7c th\u1ef1c hi\u1ec7n th\u1ee7 t\u1ee5c gi\u1ea3i quy\u1ebft y\u00eau c\u1ea7u th\u00f4ng b\u00e1o t\u00ecm ki\u1ebfm ng\u01b0\u1eddi v\u1eafng m\u1eb7t t\u1ea1i n\u01a1i c\u01b0 tr\u00fa tr\u01b0\u1edbc, sau \u0111\u00f3 s\u1ebd th\u1ee5 l\u00fd v\u1ee5 ki\u1ec7n d\u00e2n s\u1ef1 v\u00e0 ti\u1ebfn h\u00e0nh ni\u00eam y\u1ebft \u0111\u1ec3 x\u1eed v\u1eafng m\u1eb7t.<\/p>\n

Tuy nhi\u00ean, ti\u1ebfn h\u00e0nh theo th\u1ee7 t\u1ee5c n\u00e0y c\u00f3 T\u00f2a \u00e1n \u0111\u1ed3ng \u00fd th\u1ee5 l\u00fd gi\u1ea3i quy\u1ebft vi\u1ec7c d\u00e2n s\u1ef1, c\u00f3 T\u00f2a \u00e1n kh\u00f4ng \u0111\u1ed3ng \u00fd (v\u1edbi l\u00fd gi\u1ea3i ch\u1ec9 th\u1ef1c hi\u1ec7n \u0111\u1ed1i v\u1edbi c\u00e1c tr\u01b0\u1eddng h\u1ee3p m\u1ed9t ng\u01b0\u1eddi mu\u1ed1n \u0111\u01a1n ph\u01b0\u01a1ng xin ly h\u00f4n m\u00e0 v\u1ee3 ho\u1eb7c ch\u1ed3ng c\u1ee7a h\u1ecd \u0111\u00e3 v\u1eafng m\u1eb7t kh\u1ecfi n\u01a1i c\u01b0 tr\u00fa ho\u1eb7c m\u1ea5t t\u00edch, kh\u00f4ng \u00e1p d\u1ee5ng \u0111\u1ed1i v\u1edbi c\u00e1c v\u1ee5 \u00e1n d\u00e2n s\u1ef1, kinh doanh th\u01b0\u01a1ng m\u1ea1i). Th\u1eadm ch\u00ed, m\u1ed9t s\u1ed1 T\u00f2a sau khi tuy\u00ean b\u1ed1 m\u1ed9t ng\u01b0\u1eddi v\u1eafng m\u1eb7t kh\u1ecfi n\u01a1i c\u01b0 tr\u00fa v\u00e0 th\u1ee5 l\u00fd gi\u1ea3i quy\u1ebft v\u1ee5 ki\u1ec7n cho TCTD nh\u01b0ng sau \u0111\u00f3 l\u1ea1i ti\u1ebfn h\u00e0nh t\u1ea1m \u0111\u00ecnh ch\u1ec9 v\u00ec kh\u00f4ng tri\u1ec7u t\u1eadp \u0111\u01b0\u1ee3c b\u1ecb \u0111\u01a1n\/ng\u01b0\u1eddi c\u00f3 quy\u1ec1n v\u00e0 ngh\u0129a v\u1ee5 li\u00ean quan, d\u1eabn \u0111\u1ebfn t\u00ecnh tr\u1ea1ng v\u1ee5 \u00e1n b\u1ecb r\u01a1i v\u00e0o b\u1ebf t\u1eafc, kh\u00f4ng c\u00f3 h\u01b0\u1edbng gi\u1ea3i quy\u1ebft.<\/p>\n

\u00d4ng Nghi\u00eam Xu\u00e2n Th\u00e0nh – Ch\u1ee7 t\u1ecbch Vietcombank ki\u1ebfn ngh\u1ecb:<\/strong>Xu h\u01b0\u1edbng ph\u00e1t tri\u1ec3n c\u1ee7a ph\u00e1p lu\u1eadt giao d\u1ecbch b\u1ea3o \u0111\u1ea3m hi\u1ec7n \u0111\u1ea1i l\u00e0 khuy\u1ebfn kh\u00edch c\u00e1c ch\u1ee7 th\u1ec3 th\u1ecfa thu\u1eadn v\u1ec1 ph\u01b0\u01a1ng th\u1ee9c x\u1eed l\u00fd t\u00e0i s\u1ea3n th\u1ebf ch\u1ea5p ngo\u00e0i T\u00f2a \u00e1n. T\u1ea1i c\u00e1c h\u1ee3p \u0111\u1ed3ng t\u00edn d\u1ee5ng v\u00e0 h\u1ee3p \u0111\u1ed3ng th\u1ebf ch\u1ea5p k\u00fd k\u1ebft gi\u1eefa c\u00e1c b\u00ean \u0111\u1ec1u quy \u0111\u1ecbnh khi kh\u00e1ch h\u00e0ng vi ph\u1ea1m ngh\u0129a v\u1ee5 tr\u1ea3 n\u1ee3 th\u00ec b\u00ean nh\u1eadn th\u1ebf ch\u1ea5p \u0111\u01b0\u1ee3c quy\u1ec1n x\u1eed l\u00fd t\u00e0i s\u1ea3n b\u1ea3o \u0111\u1ea3m \u0111\u1ec3 thu h\u1ed3i n\u1ee3. Do \u0111\u00f3, ph\u00e1p lu\u1eadt c\u1ea7n c\u00f3 quy \u0111\u1ecbnh \u0111\u1ec3 \u0111\u1ea3m b\u1ea3o v\u00e0 t\u0103ng c\u01b0\u1eddng quy\u1ec1n ch\u1ee7 \u0111\u1ed9ng v\u00e0 s\u1ee9c m\u1ea1nh cho b\u00ean nh\u1eadn th\u1ebf ch\u1ea5p \u0111\u1ec3 th\u1ef1c hi\u1ec7n quy\u1ec1n c\u1ee7a ch\u1ee7 n\u1ee3 v\u00e0 quy\u1ec1n thu gi\u1eef t\u00e0i s\u1ea3n b\u1ea3o \u0111\u1ea3m \u0111\u1ec3 x\u1eed l\u00fd thu h\u1ed3i n\u1ee3.<\/p>\n

Nguy\u1ec5n Hi\u1ec1n<\/strong><\/p>\n

———–<\/p>\n

D\u00e2n tr\u00ed (Kinh doanh) 23-5-2017:<\/em><\/strong><\/p>\n

http:\/\/dantri.com.vn\/kinh-doanh\/dung-bien-ngan-hang-thanh-nguoi-hanh-khat-20170523180721236.htm<\/a><\/em><\/p>\n

(460\/1.997)<\/em>","protected":false},"excerpt":{"rendered":"

(DT) – N\u1ee3 x\u1ea5u, n\u1ee3 ti\u1ec1m \u1ea9n tr\u1edf th\u00e0nh n\u1ee3 x\u1ea5u c\u00f3 nguy c\u01a1 t\u0103ng tr\u1edf l\u1ea1i. Trong khi \u0111\u00f3, qu\u00e1 tr\u00ecnh x\u1eed l\u00fd n\u1ee3 x\u1ea5u \u0111\u1ebfn nay cho th\u1ea5y c\u00f2n nhi\u1ec1u kh\u00f3 kh\u0103n, v\u01b0\u1edbng m\u1eafc ch\u01b0a \u0111\u01b0\u1ee3c th\u00e1o g\u1ee1. \u0110\u00e3 x\u1eed l\u00fd \u0111\u01b0\u1ee3c 611.590 t\u1ef7 \u0111\u1ed3ng n\u1ee3 x\u1ea5u B\u00e1o c\u00e1o tr\u01b0\u1edbc Qu\u1ed1c h\u1ed9i, Th\u1ed1ng […]<\/p>\n","protected":false},"author":3,"featured_media":26960,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":""},"categories":[17,26],"tags":[],"class_list":["post-26955","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-binh-luan-gop-y","category-legal-media"],"acf":[],"yoast_head":"\n1.317. \u0110\u1eebng bi\u1ebfn ng\u00e2n h\u00e0ng th\u00e0nh ng\u01b0\u1eddi "h\u00e0nh kh\u1ea5t" - 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\/en\/tieng-viet-1-317-dung-bien-ngan-hang-thanh-nguoi-hanh-khat\/\" \/>\n<meta property=\"og:locale\" content=\"vi_VN\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"[:vi]1.317. \u0110\u1eebng bi\u1ebfn ng\u00e2n h\u00e0ng th\u00e0nh ng\u01b0\u1eddi "h\u00e0nh kh\u1ea5t"[:] - ANVI Law Firm\" \/>\n<meta property=\"og:description\" content=\"(DT) – N\u1ee3 x\u1ea5u, n\u1ee3 ti\u1ec1m \u1ea9n tr\u1edf th\u00e0nh n\u1ee3 x\u1ea5u c\u00f3 nguy c\u01a1 t\u0103ng tr\u1edf l\u1ea1i. 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