{"id":27917,"date":"2017-02-13T09:19:20","date_gmt":"2017-02-13T02:19:20","guid":{"rendered":"https:\/\/anvilaw.com\/vi\/?p=27917"},"modified":"2022-06-19T09:35:30","modified_gmt":"2022-06-19T02:35:30","slug":"1-202-ho-ban-pho-bun-bo-se-khong-duoc-vay-ngan-hang","status":"publish","type":"post","link":"https:\/\/anvilaw.com\/vi\/1-202-ho-ban-pho-bun-bo-se-khong-duoc-vay-ngan-hang\/","title":{"rendered":"1.202. H\u1ed9 b\u00e1n ph\u1edf, b\u00fan b\u00f2…s\u1ebd kh\u00f4ng \u0111\u01b0\u1ee3c vay ng\u00e2n h\u00e0ng?"},"content":{"rendered":"(PL HCM) – \u0110\u1ec3 vay v\u1ed1n, c\u00e1c h\u1ed9 kinh doanh ph\u1ea3i chuy\u1ec3n \u0111\u1ed5i th\u00e0nh doanh nghi\u1ec7p ho\u1eb7c ch\u1ee7 h\u1ed9 ph\u1ea3i t\u1ef1 \u0111\u1ee9ng t\u00ean vay.<\/strong><\/p>\n

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B\u1ed9 lu\u1eadt D\u00e2n s\u1ef1 2015 quy \u0111\u1ecbnh ch\u1ee7 th\u1ec3 tham gia quan h\u1ec7 d\u00e2n s\u1ef1 ch\u1ec9 bao g\u1ed3m ph\u00e1p nh\u00e2n v\u00e0 c\u00e1 nh\u00e2n. \u0110\u1ec3 th\u1ef1c hi\u1ec7n quy \u0111\u1ecbnh m\u1edbi n\u00e0y, Ng\u00e2n h\u00e0ng Nh\u00e0 n\u01b0\u1edbc (NHNN) \u0111\u00e3 ban h\u00e0nh Th\u00f4ng t\u01b0 39\/2016 quy \u0111\u1ecbnh kh\u00e1ch h\u00e0ng vay v\u1ed1n t\u1ea1i t\u1ed5 ch\u1ee9c t\u00edn d\u1ee5ng ph\u1ea3i l\u00e0 ph\u00e1p nh\u00e2n, c\u00e1 nh\u00e2n.<\/p>\n

Gi\u1ea3i th\u00edch r\u00f5 th\u00eam v\u1ec1 n\u1ed9i dung tr\u00ean, \u00f4ng Nguy\u1ec5n Ho\u00e0ng Minh, Ph\u00f3 Gi\u00e1m \u0111\u1ed1c NHNN Chi nh\u00e1nh TP.HCM, n\u00f3i: \u201cT\u1ea1i kho\u1ea3n 3 \u0110i\u1ec1u 2 Th\u00f4ng t\u01b0 39 n\u00eau r\u00f5: T\u1eeb ng\u00e0y 15-3, c\u00e1c \u0111\u1ed1i t\u01b0\u1ee3ng kh\u00f4ng ph\u1ea3i l\u00e0 ph\u00e1p nh\u00e2n (v\u00ed d\u1ee5 nh\u01b0 h\u1ed9 kinh doanh, h\u1ed9 gia \u0111\u00ecnh, t\u1ed5 h\u1ee3p t\u00e1c, t\u1ed5 ch\u1ee9c kh\u00e1c kh\u00f4ng c\u00f3 t\u01b0 c\u00e1ch ph\u00e1p nh\u00e2n) kh\u00f4ng \u0111\u1ee7 t\u01b0 c\u00e1ch ch\u1ee7 th\u1ec3 vay v\u1ed1n t\u1ea1i c\u00e1c t\u1ed5 ch\u1ee9c t\u00edn d\u1ee5ng. H\u1ecd ch\u1ec9 c\u00f3 th\u1ec3 vay v\u1ed1n v\u1edbi t\u01b0 c\u00e1ch l\u00e0 doanh nghi\u1ec7p (DN) ho\u1eb7c c\u00e1 nh\u00e2n. N\u00f3i c\u00e1ch kh\u00e1c, vi\u1ec7c vay v\u1ed1n s\u1ebd ti\u1ebfn h\u00e0nh b\u1eb1ng danh ngh\u0129a t\u1eebng c\u00e1 nh\u00e2n, c\u00e1 nh\u00e2n t\u1ef1 ch\u1ecbu tr\u00e1ch nhi\u1ec7m tr\u1ea3 n\u1ee3 ch\u1ee9 kh\u00f4ng ph\u1ea3i v\u1edbi danh ngh\u0129a h\u1ed9 gia \u0111\u00ecnh, h\u1ed9 kinh doanh\u201d.<\/p>\n

H\u1ed9 kinh doanh, h\u1ed9 gia \u0111\u00ecnh\u2026 lo l\u1eafng<\/strong><\/p>\n

Th\u00f4ng tin tr\u00ean khi\u1ebfn kh\u00f4ng \u00edt h\u1ed9 kinh doanh gia \u0111\u00ecnh t\u1ecf ra hoang mang, lo l\u1eafng. \u00d4ng Nguy\u1ec5n Vi\u1ebft H\u1ea3i, ch\u1ee7 c\u1eeda h\u00e0ng kinh doanh gi\u00e0y d\u00e9p t\u1ea1i khu v\u1ef1c An Kh\u00e1nh, qu\u1eadn 2, TP.HCM, k\u1ec3 \u0111\u1ec3 m\u1edf c\u1eeda h\u00e0ng tr\u00ean \u00f4ng \u0111\u00e3 ph\u1ea3i th\u1ebf ch\u1ea5p c\u0103n nh\u00e0 \u0111ang \u1edf vay 350 tri\u1ec7u \u0111\u1ed3ng v\u1edbi l\u00e3i su\u1ea5t 12%\/n\u0103m t\u1eeb NH, k\u1ef3 h\u1ea1n m\u1ed9t n\u0103m.<\/p>\n

\u201cM\u1ed7i th\u00e1ng ri\u00eang ti\u1ec1n l\u00e3i ph\u1ea3i tr\u1ea3 l\u00e0 3,5 tri\u1ec7u \u0111\u1ed3ng. Ngo\u00e0i ra v\u1edbi h\u00e0ng lo\u1ea1t kho\u1ea3n thu\u1ebf, ph\u00ed ph\u1ea3i chi nh\u01b0 hi\u1ec7n nay, l\u1eddi l\u00e3i thu v\u1ec1 c\u0169ng ch\u1ec9 \u0111\u1ee7 \u0111\u00e1p \u1ee9ng chi ti\u00eau trong gia \u0111\u00ecnh. T\u1edbi \u0111\u00e2y t\u00f4i s\u1ebd kh\u00f4ng \u0111\u01b0\u1ee3c vay v\u1edbi l\u00e3i su\u1ea5t d\u00e0nh cho h\u1ed9 gia \u0111\u00ecnh n\u1eefa m\u00e0 ch\u1ec9 c\u00f3 th\u1ec3 vay v\u1edbi t\u01b0 c\u00e1ch c\u00e1 nh\u00e2n. \u0110i\u1ec1u n\u00e0y c\u0169ng c\u00f3 ngh\u0129a t\u00f4i ph\u1ea3i \u0111i vay v\u1edbi l\u00e3i su\u1ea5t cao h\u01a1n so v\u1edbi tr\u01b0\u1edbc \u0111\u00e2y. N\u1ebfu ph\u1ea3i vay v\u1edbi l\u00e3i su\u1ea5t cao th\u00ec ch\u1eafc t\u00f4i ch\u1ec9 c\u00f2n n\u01b0\u1edbc sang nh\u01b0\u1ee3ng l\u1ea1i c\u1eeda h\u00e0ng n\u00e0y th\u00f4i\u201d – \u00f4ng H\u1ea3i th\u1edf d\u00e0i.<\/p>\n

Ch\u1ecb B\u00f9i Thanh H\u1ea1nh, ch\u1ee7 c\u1eeda h\u00e0ng \u0103n u\u1ed1ng \u1edf ch\u1ee3 Th\u1ecb Ngh\u00e8, qu\u1eadn B\u00ecnh Th\u1ea1nh, TP.HCM, cho bi\u1ebft c\u00f4ng vi\u1ec7c kinh doanh c\u1ee7a ch\u1ecb m\u1edbi b\u1eaft \u0111\u1ea7u \u0111\u01b0\u1ee3c h\u01a1n b\u1ed1n th\u00e1ng. Gi\u1edd \u0111\u00e2y s\u1eafp t\u1edbi ng\u00e0y \u0111\u00e1o h\u1ea1n k\u1ef3 h\u1ea1n s\u00e1u th\u00e1ng c\u1ee7a kho\u1ea3n vay 150 tri\u1ec7u \u0111\u1ed3ng t\u1eeb NH. Theo quy \u0111\u1ecbnh m\u1edbi c\u1ee7a NHNN, ch\u1eafc ch\u1eafn h\u1ee3p \u0111\u1ed3ng vay s\u1ebd ph\u1ea3i thay \u0111\u1ed5i theo v\u00e0 ch\u01b0a bi\u1ebft c\u00f3 \u0111\u01b0\u1ee3c vay n\u1eefa hay kh\u00f4ng v\u00ec nghe n\u00f3i ph\u1ea3i l\u00ean c\u00f4ng ty m\u1edbi \u0111\u01b0\u1ee3c vay.<\/p>\n

\u201cL\u00e2u nay t\u00f4i ch\u1ec9 quen bu\u00f4n b\u00e1n nh\u1ecf, kh\u00f4ng mu\u1ed1n l\u00ean c\u00f4ng ty v\u00ec kh\u00f4ng \u0111\u1ee7 \u0111i\u1ec1u ki\u1ec7n qu\u1ea3n l\u00fd s\u1ed5 s\u00e1ch, th\u1ee7 t\u1ee5c thu\u1ebf, thanh tra, ki\u1ec3m tra… T\u1edbi \u0111\u00e2y bu\u1ed9c ph\u1ea3i th\u00e0nh l\u1eadp c\u00f4ng ty m\u1edbi \u0111\u01b0\u1ee3c vay ti\u1ec1n th\u00ec s\u1ebd r\u1ea5t kh\u00f3 kh\u0103n cho t\u00f4i\u201d – ch\u1ecb H\u1ea1nh lo l\u1eafng.<\/p>\n

Nhi\u1ec1u h\u1ed9 kinh doanh nh\u1ecf l\u1ebb kh\u00e1c c\u0169ng lo l\u1eafng tr\u01b0\u1edbc quy \u0111\u1ecbnh tr\u00ean. L\u00fd do l\u00e0 v\u1edbi ng\u01b0\u1eddi kinh doanh th\u00ec ngo\u00e0i v\u1ed1n t\u1ef1 c\u00f3, h\u1ecd ph\u1ea3i vay v\u1ed1n NH. N\u1ebfu NH kh\u00f4ng cho vay n\u1eefa th\u00ec ch\u01b0a bi\u1ebft vay \u1edf \u0111\u00e2u.<\/p>\n

T\u1edbi \u0111\u00e2y, h\u1ed9 gia \u0111\u00ecnh, h\u1ed9 kinh doanh ch\u1ec9 c\u00f3 th\u1ec3 vay v\u1ed1n t\u00edn d\u1ee5ng v\u1edbi danh ngh\u0129a t\u1eebng c\u00e1 nh\u00e2n. \u1ea2nh: HTD<\/em><\/p>\n

Kh\u00f4ng n\u00ean c\u1ee9ng nh\u1eafc<\/strong><\/p>\n

Lu\u1eadt s\u01b0 (LS) Tr\u1ea7n Minh H\u1ea3i, Gi\u00e1m \u0111\u1ed1c C\u00f4ng ty Lu\u1eadt ANVI, cho r\u1eb1ng: \u201cTh\u1ef1c ra quy \u0111\u1ecbnh t\u1ea1i kho\u1ea3n 3 \u0110i\u1ec1u 2 Th\u00f4ng t\u01b0 39 l\u00e0 m\u1ed9t \u0111i\u1ec3m ti\u1ebfn b\u1ed9. B\u1edfi nh\u1eefng n\u0103m qua, ng\u00e0nh NH g\u00e1nh kh\u00f4ng bi\u1ebft bao nhi\u00eau h\u1eadu qu\u1ea3 ph\u00e1p l\u00fd trong qu\u00e1 tr\u00ecnh giao d\u1ecbch kinh doanh v\u1edbi h\u1ed9 gia \u0111\u00ecnh\u201d.<\/p>\n

LS H\u1ea3i ph\u00e2n t\u00edch t\u1eeb x\u01b0a \u0111\u1ebfn nay giao k\u1ebft ph\u00e1p l\u00fd gi\u1eefa c\u00e1 nh\u00e2n v\u00e0 ph\u00e1p nh\u00e2n v\u1edbi NH \u0111\u01b0\u1ee3c r\u00e0ng bu\u1ed9c m\u1ed9t c\u00e1ch ch\u1eafc ch\u1eafn, t\u1ee9c l\u00e0 c\u00f3 l\u00e0m c\u00f3 ch\u1ecbu, n\u00ean ngay c\u1ea3 khi c\u00f3 ph\u00e1t sinh tr\u00e1ch nhi\u1ec7m th\u00ec t\u00f2a \u00e1n s\u1ebd r\u1ea5t d\u1ec5 d\u00e0ng gi\u1ea3i quy\u1ebft. Trong khi \u0111\u00f3 h\u1ed9 gia \u0111\u00ecnh l\u00e0 th\u00e0nh ph\u1ea7n m\u00e0 theo t\u00ednh ph\u00e1p l\u00fd l\u1ea1i d\u1ef1a tr\u00ean s\u1ed5 h\u1ed9 kh\u1ea9u, t\u1ea5t c\u1ea3 th\u00e0nh vi\u00ean tr\u00ean 15 tu\u1ed5i \u0111\u1ec1u ph\u1ea3i nh\u1ea5t tr\u00ed th\u00f4ng qua c\u00e1c giao d\u1ecbch l\u1edbn.<\/p>\n

\u201cTh\u1ef1c t\u1ebf l\u00e0 t\u00f2a \u00e1n ti\u1ebfp nh\u1eadn h\u00e0ng ng\u00e0n v\u1ee5 tranh ch\u1ea5p gi\u1eefa NH v\u1edbi h\u1ed9 gia \u0111\u00ecnh. Th\u1eddi \u0111i\u1ec3m l\u1eadp h\u1ed3 s\u01a1 cho vay th\u00ec trong h\u1ed9 kh\u1ea9u ch\u1ec9 c\u00f3 cha m\u1eb9 v\u00e0 c\u00e1c con, c\u00f3 t\u00e0i s\u1ea3n b\u1ea3o \u0111\u1ea3m l\u00e0 ch\u00ednh c\u0103n nh\u00e0. \u0110\u1ebfn l\u00fac gia h\u1ea1n h\u1ee3p \u0111\u1ed3ng t\u00edn d\u1ee5ng l\u1ea1i kh\u00f4ng bi\u1ebft nh\u1eefng ng\u01b0\u1eddi con trong gia \u0111\u00ecnh \u0111\u00f3 \u0111\u00e3 l\u1eadp gia \u0111\u00ecnh v\u00e0 s\u1ed5 h\u1ed9 kh\u1ea9u nh\u1eadp th\u00eam con r\u1ec3, con d\u00e2u. Khi x\u1eed l\u00fd n\u1ee3, t\u00f2a \u00e1n nh\u1eadn th\u1ea5y con d\u00e2u v\u00e0 con r\u1ec3 \u0111\u1ec1u l\u00e0 th\u00e0nh vi\u00ean tr\u00ean 15 tu\u1ed5i v\u00e0 kh\u00f4ng k\u00fd v\u00e0o bi\u00ean b\u1ea3n \u0111\u1ec3 th\u00f4ng qua bi\u00ean b\u1ea3n k\u00fd khi l\u00e0m t\u00e0i s\u1ea3n b\u1ea3o \u0111\u1ea3m n\u00ean v\u00f4 hi\u1ec7u h\u00f3a h\u1ee3p \u0111\u1ed3ng t\u00e0i s\u1ea3n b\u1ea3o \u0111\u1ea3m\u201d – \u00f4ng H\u1ea3i d\u1eabn ch\u1ee9ng.<\/p>\n

Ch\u00ednh v\u00ec l\u1ebd \u0111\u00f3, theo \u00f4ng H\u1ea3i, s\u1ef1 thay \u0111\u1ed5i trong Th\u00f4ng t\u01b0 39 tho\u1ea1t nghe c\u00f3 v\u1ebb b\u1ea5t th\u01b0\u1eddng nh\u01b0ng x\u00e9t v\u1ec1 g\u00f3c \u0111\u1ed9 qu\u1ea3n l\u00fd r\u1ee7i ro ph\u00e1p l\u00fd th\u00ec \u0111i\u1ec1u n\u00e0y l\u1ea1i t\u1ed1t cho t\u1ed5 ch\u1ee9c t\u00edn d\u1ee5ng. L\u00fd do l\u00e0 n\u00f3 quy \u0111\u1ecbnh r\u00f5 r\u00e0ng tr\u00e1ch nhi\u1ec7m \u0111\u1ed1i v\u1edbi ng\u01b0\u1eddi tham gia giao d\u1ecbch.<\/p>\n

Trao \u0111\u1ed5i v\u1edbi b\u00e1o ch\u00ed, LS Tr\u01b0\u01a1ng Thanh \u0110\u1ee9c, Ch\u1ee7 t\u1ecbch C\u00e2u l\u1ea1c b\u1ed9 Ph\u00e1p ch\u1ebf NH, c\u0169ng cho r\u1eb1ng quy \u0111\u1ecbnh tr\u00ean c\u1ee7a Th\u00f4ng t\u01b0 39 nh\u1eb1m x\u00e1c \u0111\u1ecbnh l\u1ea1i \u0111\u1ed1i t\u01b0\u1ee3ng vay v\u1ed1n NH g\u1ed3m ph\u00e1p nh\u00e2n v\u00e0 c\u00e1 nh\u00e2n theo th\u00f4ng l\u1ec7 chung c\u1ee7a th\u1ebf gi\u1edbi.<\/em><\/p>\n

\u00d4ng \u0110\u1ee9c n\u00f3i: \u201cTheo th\u00f4ng l\u1ec7 th\u1ebf gi\u1edbi, ch\u1ec9 c\u00f3 hai lo\u1ea1i ch\u1ee7 th\u1ec3 ph\u00e1p lu\u1eadt d\u00e2n s\u1ef1 l\u00e0 c\u00e1 nh\u00e2n v\u00e0 ph\u00e1p nh\u00e2n. H\u1ed9 gia \u0111\u00ecnh, h\u1ed9 kinh doanh hay t\u1ed5 h\u1ee3p t\u00e1c l\u00e0 ch\u1ee7 th\u1ec3 \u1ea3o, th\u1ef1c ch\u1ea5t l\u00e0 m\u1ed9t ho\u1eb7c m\u1ed9t nh\u00f3m c\u00e1 nh\u00e2n, v\u00ec v\u1eady b\u1ecb x\u00f3a b\u1ecf kh\u1ecfi B\u1ed9 lu\u1eadt D\u00e2n s\u1ef1 2015\u201d.<\/em><\/p>\n

Tuy nhi\u00ean, gi\u00e1m \u0111\u1ed1c chi nh\u00e1nh m\u1ed9t NH t\u1ea1i TP.HCM cho r\u1eb1ng khi ng\u01b0\u1eddi \u0111\u1ee9ng t\u00ean vay v\u00e0 ch\u1ecbu tr\u00e1ch nhi\u1ec7m tr\u1ea3 n\u1ee3 v\u1edbi t\u01b0 c\u00e1ch c\u00e1 nh\u00e2n th\u00ec \u0111\u01b0\u01a1ng nhi\u00ean h\u1ecd s\u1ebd ph\u1ea3i ch\u1ecbu \u0111i\u1ec1u ch\u1ec9nh l\u00e3i su\u1ea5t theo c\u00e1 nh\u00e2n th\u00f4ng th\u01b0\u1eddng. Ngh\u0129a l\u00e0 h\u1ecd s\u1ebd kh\u00f4ng c\u00f2n \u0111\u01b0\u1ee3c h\u01b0\u1edfng m\u1ed9t s\u1ed1 l\u00e3i su\u1ea5t \u01b0u \u0111\u00e3i nh\u1eb1m khuy\u1ebfn kh\u00edch h\u1ed9 s\u1ea3n xu\u1ea5t, kinh doanh n\u1eefa.<\/p>\n

L\u00e2u nay, t\u00f9y t\u1eebng NH nh\u01b0ng \u0111\u1ec3 khuy\u1ebfn kh\u00edch h\u1ed9 gia \u0111\u00ecnh kinh doanh, l\u00e3i su\u1ea5t d\u00e0nh cho h\u1ed9 kinh doanh lu\u00f4n th\u1ea5p h\u01a1n kho\u1ea3ng 0,5%-1%\/n\u0103m so v\u1edbi cho c\u00e1 nh\u00e2n vay kinh doanh.<\/p>\n

Do v\u1eady, Th\u00f4ng t\u01b0 39 m\u1edbi nh\u00ecn m\u1ed9t chi\u1ec1u, t\u1ee9c l\u00e0 nh\u00ecn v\u1ec1 m\u1eb7t ph\u00e1p l\u00fd ch\u1ee9 ch\u01b0a nh\u00ecn v\u1ec1 m\u1eb7t th\u1ef1c t\u1ebf cu\u1ed9c s\u1ed1ng. \u0110\u00f3 l\u00e0 hi\u1ec7n nay \u0111ang t\u1ed3n t\u1ea1i h\u00e0ng tri\u1ec7u h\u1ed9 kinh doanh c\u00e1 th\u1ec3 \u0111\u01b0\u1ee3c h\u01b0\u1edfng ch\u00ednh s\u00e1ch ri\u00eang \u0111\u1ec3 khuy\u1ebfn kh\u00edch \u0111\u1ed1i t\u01b0\u1ee3ng n\u00e0y ph\u00e1t tri\u1ec3n ch\u1ee9 kh\u00f4ng ph\u1ea3i khuy\u1ebfn kh\u00edch c\u00e1 nh\u00e2n.<\/p>\n

\u201cT\u1eeb th\u1ef1c t\u1ebf tr\u00ean, t\u00f4i cho r\u1eb1ng NHNN ph\u1ea3i c\u00f3 h\u01b0\u1edbng d\u1eabn c\u1ee5 th\u1ec3 ho\u1eb7c t\u1ea1o m\u1ed9t s\u1ed1 \u0111i\u1ec1u ki\u1ec7n ri\u00eang cho c\u00e1c h\u1ed9 kinh doanh n\u00e0y, khi m\u00e0 t\u1edbi \u0111\u00e2y h\u1ecd bu\u1ed9c ph\u1ea3i \u0111i vay v\u1edbi t\u01b0 c\u00e1ch l\u00e0 th\u1ec3 nh\u00e2n v\u00e0 kh\u00f4ng c\u00f2n \u0111\u01b0\u1ee3c h\u01b0\u1edfng c\u00e1c quy \u0111\u1ecbnh \u01b0u \u0111\u00e3i v\u1ec1 l\u00e3i su\u1ea5t n\u1eefa. M\u1ed9t ch\u00ednh s\u00e1ch thay \u0111\u1ed5i nh\u01b0 v\u1eady l\u00e0 qu\u00e1 \u0111\u1ed9t ng\u1ed9t, \u0111\u00e1ng l\u1ebd ra ph\u1ea3i l\u00e0m c\u00f4ng t\u00e1c t\u01b0 t\u01b0\u1edfng tr\u01b0\u1edbc \u0111\u1ec3 ng\u01b0\u1eddi kinh doanh hi\u1ec3u v\u00e0 t\u1ef1 nguy\u1ec7n th\u1ef1c hi\u1ec7n. N\u1ebfu \u00e1p d\u1ee5ng m\u1ed9t c\u00e1ch c\u1ee9ng nh\u1eafc v\u00e0 theo ki\u1ec3u \u00e9p bu\u1ed9c c\u00f3 th\u1ec3 s\u1ebd ph\u1ea3n t\u00e1c d\u1ee5ng\u201d – v\u1ecb gi\u00e1m \u0111\u1ed1c n\u00e0y nh\u1ea5n m\u1ea1nh.<\/p>\n

Nhi\u1ec1u h\u1ed9 kinh doanh c\u0169ng \u0111\u1ec1 ngh\u1ecb c\u1ea7n ph\u1ea3i c\u00f3 th\u1eddi gian c\u1ea7n thi\u1ebft \u0111\u1ec3 h\u1ecd chu\u1ea9n b\u1ecb c\u0169ng nh\u01b0 l\u00e0m l\u1ea1i h\u1ee3p \u0111\u1ed3ng\u2026 v\u1edbi NH khi quy \u0111\u1ecbnh m\u1edbi c\u00f3 hi\u1ec7u l\u1ef1c.<\/p>\n\n\n\n
V\u1ed1n v\u1edbi h\u1ed9 kinh doanh r\u1ea5t quan tr\u1ecdng<\/strong><\/p>\n

\u00d4ng V\u0169 Ti\u1ebfn L\u1ed9c, Ch\u1ee7 t\u1ecbch Ph\u00f2ng Th\u01b0\u01a1ng m\u1ea1i v\u00e0 C\u00f4ng nghi\u1ec7p Vi\u1ec7t Nam (VCCI), n\u00f3i v\u1edbi kho\u1ea3ng tr\u00ean n\u0103m tri\u1ec7u h\u1ed9 kinh doanh hi\u1ec7n nay th\u00ec kh\u1ed1i l\u01b0\u1ee3ng c\u00f4ng vi\u1ec7c v\u00e0 c\u1ee7a c\u1ea3i h\u1ecd t\u1ea1o ra cho x\u00e3 h\u1ed9i l\u00e0 r\u1ea5t l\u1edbn. V\u1ed1n \u0111\u1ed1i v\u1edbi h\u00e0ng tri\u1ec7u h\u1ed9 kinh doanh n\u00e0y l\u00e0 r\u1ea5t quan tr\u1ecdng.<\/p>\n

\u201cV\u00ec v\u1eady, b\u1ea5t c\u1ee9 ch\u00ednh s\u00e1ch n\u00e0o li\u00ean quan \u0111\u1ebfn v\u1ed1n cho c\u00e1c h\u1ed9 kinh doanh c\u0169ng c\u1ea7n t\u00ednh \u0111\u1ebfn y\u1ebfu t\u1ed1 n\u00e0y\u201d – \u00f4ng L\u1ed9c n\u00f3i.<\/p>\n

Theo th\u1ed1ng k\u00ea c\u1ee7a VCCI, hi\u1ec7n Vi\u1ec7t Nam c\u00f3 kho\u1ea3ng tr\u00ean n\u0103m tri\u1ec7u h\u1ed9 kinh doanh phi ch\u00ednh th\u1ee9c v\u00e0 ch\u00ednh th\u1ee9c nh\u01b0ng c\u00e1c h\u1ed9 n\u00e0y \u0111\u1ec1u ch\u01b0a ph\u1ea3i l\u00e0 DN.<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n

TH\u00d9Y LINH<\/strong><\/p>\n

————————–<\/p>\n

Ph\u00e1p lu\u1eadt TP HCM (Kinh t\u1ebf) 13-02-2017:<\/em><\/strong><\/p>\n

http:\/\/plo.vn\/kinh-te\/quan-ly-kinh-te\/ho-ban-pho-bun-bose-khong-duoc-vay-ngan-hang-682060.html<\/a><\/em><\/p>\n

(95\/1.486)<\/em>","protected":false},"excerpt":{"rendered":"

(PL HCM) – \u0110\u1ec3 vay v\u1ed1n, c\u00e1c h\u1ed9 kinh doanh ph\u1ea3i chuy\u1ec3n \u0111\u1ed5i th\u00e0nh doanh nghi\u1ec7p ho\u1eb7c ch\u1ee7 h\u1ed9 ph\u1ea3i t\u1ef1 \u0111\u1ee9ng t\u00ean vay. B\u1ed9 lu\u1eadt D\u00e2n s\u1ef1 2015 quy \u0111\u1ecbnh ch\u1ee7 th\u1ec3 tham gia quan h\u1ec7 d\u00e2n s\u1ef1 ch\u1ec9 bao g\u1ed3m ph\u00e1p nh\u00e2n v\u00e0 c\u00e1 nh\u00e2n. \u0110\u1ec3 th\u1ef1c hi\u1ec7n quy \u0111\u1ecbnh m\u1edbi n\u00e0y, Ng\u00e2n […]<\/p>\n","protected":false},"author":3,"featured_media":27918,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":""},"categories":[17,26],"tags":[],"class_list":["post-27917","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-binh-luan-gop-y","category-legal-media"],"acf":[],"yoast_head":"\n1.202. 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