{"id":27920,"date":"2017-02-13T09:38:53","date_gmt":"2017-02-13T02:38:53","guid":{"rendered":"https:\/\/anvilaw.com\/vi\/?p=27920"},"modified":"2022-06-17T09:42:04","modified_gmt":"2022-06-17T02:42:04","slug":"1-203-khong-cho-chu-the-ho-vay-von-kinh-doanh-la-dung-luat","status":"publish","type":"post","link":"https:\/\/anvilaw.com\/vi\/1-203-khong-cho-chu-the-ho-vay-von-kinh-doanh-la-dung-luat\/","title":{"rendered":"1.203. Kh\u00f4ng cho ch\u1ee7 th\u1ec3 “h\u1ed9” vay v\u1ed1n kinh doanh l\u00e0 \u0111\u00fang lu\u1eadt"},"content":{"rendered":"(\u0110T) – Tr\u01b0\u1edbc m\u1ed9t s\u1ed1 th\u00f4ng tin c\u1ee7a b\u00e1o ch\u00ed v\u1ec1 vi\u1ec7c h\u1ed9 kinh doanh kh\u00f4ng c\u00f2n \u0111\u01b0\u1ee3c vay v\u1ed1n ng\u00e2n h\u00e0ng theo quy \u0111\u1ecbnh m\u1edbi c\u1ee7a NHNN, \u0111\u1ea1i di\u1ec7n B\u1ed9 T\u01b0 ph\u00e1p kh\u1eb3ng \u0111\u1ecbnh, ch\u1ee7 th\u1ec3 “h\u1ed9” \u0111\u00e3 b\u1ecb x\u00f3a kh\u1ecfi B\u1ed9 lu\u1eadt d\u00e2n s\u1ef1 n\u0103m 2015, do \u0111\u00f3, n\u1ebfu ng\u00e2n h\u00e0ng ti\u1ebfp t\u1ee5c k\u00fd h\u1ee3p \u0111\u1ed3ng t\u00edn d\u1ee5ng v\u1edbi “h\u1ed9” th\u00ec h\u1ee3p \u0111\u1ed3ng n\u00e0y tr\u1edf th\u00e0nh v\u00f4 hi\u1ec7u.<\/strong><\/p>\n

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NHNN v\u1eeba ban h\u00e0nh Th\u00f4ng t\u01b0 s\u1ed1 39\/2016\/TT-NHNN quy \u0111\u1ecbnh v\u1ec1 ho\u1ea1t \u0111\u1ed9ng cho vay c\u1ee7a t\u1ed5 ch\u1ee9c t\u00edn d\u1ee5ng, chi nh\u00e1nh ng\u00e2n h\u00e0ng\u00a0n\u01b0\u1edbc ngo\u00e0i \u0111\u1ed1i v\u1edbi kh\u00e1ch h\u00e0ng. Theo \u0111\u00f3, \u0111\u1ed1i t\u01b0\u1ee3ng vay v\u1ed1n ch\u1ec9 c\u00f3 hai lo\u1ea1i: th\u1ec3 nh\u00e2n v\u00e0 c\u00e1 nh\u00e2n. Ca\u0301c \u0111\u00f4\u0301i t\u01b0\u01a1\u0323ng kh\u00f4ng pha\u0309i la\u0300 pha\u0301p nh\u00e2n nh\u01b0 h\u00f4\u0323 gia \u0111i\u0300nh, t\u00f4\u0309 h\u01a1\u0323p ta\u0301c, t\u00f4\u0309 ch\u01b0\u0301c kha\u0301c kh\u00f4ng co\u0301 t\u01b0 ca\u0301ch pha\u0301p nh\u00e2n s\u1ebd kh\u00f4ng c\u00f2n \u0111\u1ee7 t\u01b0 c\u00e1ch ch\u1ee7 th\u1ec3 vay v\u1ed1n ta\u0323i t\u1ed5 ch\u1ee9c t\u00edn d\u1ee5ng.<\/p>\n

Tuy nhi\u00ean, th\u00f4ng tin n\u00e0y \u0111ang \u0111\u01b0\u1ee3c m\u1ed9t s\u1ed1 ng\u01b0\u1eddi hi\u1ec3u l\u1ea7m, cho r\u1eb1ng c\u00e1c \u0111\u1ed1i t\u01b0\u1ee3ng tr\u00ean kh\u00f4ng c\u00f2n \u0111\u01b0\u1ee3c vay v\u1ed1n ng\u00e2n h\u00e0ng. Tuy nhi\u00ean, Lu\u1eadt s\u01b0 Tr\u01b0\u01a1ng Thanh \u0110\u1ee9c, Gi\u00e1m \u0111\u1ed1c C\u00f4ng ty Lu\u1eadt ANVI cho r\u1eb1ng, \u0111\u00e2y l\u00e0 c\u00e1ch hi\u1ec3u kh\u00f4ng \u0111\u00fang.<\/em><\/p>\n

Theo lu\u1eadt s\u01b0 \u0110\u1ee9c, tr\u00ean th\u1ef1c t\u1ebf, ph\u00e1p lu\u1eadt c\u00e1c n\u01b0\u1edbc \u0111\u1ec1u quy \u0111\u1ecbnh ch\u1ec9 c\u00f3 hai lo\u1ea1i ch\u1ee7 th\u1ec3 c\u00f3 2 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 1 ho\u1eb7c m\u1ed9t nh\u00f3m c\u00e1 nh\u00e2n, v\u00ec v\u1eady b\u1ecb xo\u00e1 b\u1ecf kh\u1ecfi B\u1ed9 lu\u1eadt d\u00e2n s\u1ef1 n\u0103m 2015.<\/em><\/p>\n

“Do \u0111\u00f3 Th\u00f4ng t\u01b0 cho vay s\u1ed1 39\/2016\/TT-NHNN b\u1ecf ch\u1ee7 th\u1ec3 vay v\u1ed1n \u201ch\u1ed9 gia \u0111\u00ecnh\u201d l\u00e0 \u0111\u00fang, ph\u00f9 h\u1ee3p v\u1edbi B\u1ed9 lu\u1eadt D\u00e2n s\u1ef1 n\u0103m 2015”, lu\u1eadt s\u01b0 Tr\u01b0\u01a1ng Thanh \u0110\u1ee9c nh\u1ea5n m\u1ea1nh.<\/em><\/p>\n

C\u0169ng theo chuy\u00ean gia lu\u1eadt n\u00e0y, b\u1ecf ch\u1ee7 th\u1ec3 vay v\u1ed1n h\u1ed9 gia \u0111\u00ecnh (hay h\u1ed9 kinh doanh c\u0169ng ) ch\u1ec9 l\u00e0 thay \u0111\u1ed5i c\u00e1i v\u1ecf h\u00ecnh th\u1ee9c l\u00e0 t\u00ean g\u1ecdi, c\u00f2n trong ru\u1ed9t b\u1ea3n ch\u1ea5t th\u00ec v\u1eabn c\u01a1 b\u1ea3n nh\u01b0 c\u0169. Kh\u00e1c l\u00e0, t\u1eeb n\u0103m 2017 tr\u1edf \u0111i, h\u1ed9 gia \u0111\u00ecnh, h\u1ed9 kinh doanh s\u1ebd giao d\u1ecbch v\u1edbi t\u01b0 c\u00e1ch c\u1ee7a m\u1ed9t ho\u1eb7c m\u1ed9t s\u1ed1 c\u00e1 nh\u00e2n, ch\u1ee9 ch\u1ee7 h\u1ed9 kh\u00f4ng c\u00f2n \u0111\u01b0\u01a1ng nhi\u00ean \u0111\u1ea1i di\u1ec7n cho h\u1ed9 nh\u01b0 tr\u01b0\u1edbc \u0111\u00e2y n\u1eefa.<\/em><\/p>\n

Trao \u0111\u1ed5i v\u1edbi b\u00e1o \u0110\u1ea7u t\u01b0, \u00f4ng \u0110o\u00e0n Th\u00e1i S\u01a1n, V\u1ee5 tr\u01b0\u1edfng V\u1ee5 Ph\u00e1p ch\u1ebf, NHNN cho hay, nh\u1eefng quy \u0111\u1ecbnh tr\u00ean kh\u00f4ng ph\u1ea3i l\u00e0 do NHNN “ngh\u0129 ra” m\u00e0 NHNN ch\u1ec9 tri\u1ec3n khai B\u1ed9 lu\u1eadt d\u00e2n s\u1ef1 2015 \u0111\u00e3 \u0111\u01b0\u1ee3c Qu\u1ed1c h\u1ed9i th\u00f4ng qua, c\u00f3 hi\u1ec7u l\u1ef1c t\u1eeb \u0111\u1ea7u n\u0103m 2017. C\u1ee5 th\u1ec3, B\u1ed9 lu\u1eadt D\u00e2n s\u1ef1 2015 quy \u0111\u1ecbnh, chu\u0309 th\u00ea\u0309 tham gia quan h\u00ea\u0323 d\u00e2n s\u01b0\u0323 l\u00e0 pha\u0301p nh\u00e2n v\u00e0 ca\u0301 nh\u00e2n. Do \u0111\u00f3, Th\u00f4ng t\u01b0 39 c\u1ee7a NHNN c\u0169ng ph\u1ea3i quy \u0111\u1ecbnh kha\u0301ch ha\u0300ng vay v\u00f4\u0301n l\u00e0 ph\u00e1p nh\u00e2n v\u00e0 c\u00e1 nh\u00e2n.<\/p>\n

Theo gi\u1ea3i th\u00edch c\u1ee7a \u00f4ng Nguy\u1ec5n\u00a0H\u1ed3ng H\u1ea3i-Ph\u00f3 V\u1ee5 tr\u01b0\u1edfng V\u1ee5\u00a0ph\u00e1p lu\u1eadt\u00a0d\u00e2n s\u1ef1-kinh t\u1ebf\u00a0(B\u1ed9 T\u01b0 ph\u00e1p), theo th\u00f4ng l\u1ec7 th\u1ebf gi\u1edbi, ch\u1ee7 th\u1ec3 giao d\u1ecbch d\u00e2n s\u1ef1 ch\u1ec9 l\u00e0 th\u1ec3 nh\u00e2n (c\u00e1 nh\u00e2n) v\u00e0 ph\u00e1p nh\u00e2n. \u1ede Vi\u1ec7t Nam, do ho\u00e0n c\u1ea3nh l\u1ecbch s\u1eed tr\u01b0\u1edbc \u0111\u00e2y giao \u0111\u1ea5t cho h\u1ed9 gia \u0111\u00ecnh, ph\u00e1t tri\u1ec3n kinh t\u1ebf t\u1eadp th\u1ec3 n\u00ean h\u1ed9 gia \u0111\u00ecnh v\u00e0 t\u1ed5 h\u1ee3p t\u00e1c \u0111\u01b0\u1ee3c B\u1ed9 lu\u1eadt D\u00e2n s\u1ef1 c\u0169 g\u1ed9p chung th\u00e0nh m\u1ed9t lo\u1ea1i ch\u1ee7 th\u1ec3. Tuy nhi\u00ean, lo\u1ea1i ch\u1ee7 th\u1ec3 n\u00e0y g\u00e2y ra nhi\u1ec1u r\u1eafc r\u1ed1i v\u1ec1 quan h\u1ec7 ph\u00e1p l\u00fd. Do \u0111\u00f3, B\u1ed9 lu\u1eadt D\u00e2n s\u1ef1 2015 s\u1eeda theo h\u01b0\u1edbng th\u1ec3 nh\u00e2n v\u00e0 ph\u00e1p nh\u00e2n \u0111\u1ec3 t\u0103ng t\u00ednh minh b\u1ea1ch, kh\u00f4ng ch\u1ec9 ph\u00f9 h\u1ee3p v\u1edbi th\u00f4ng l\u1ec7 qu\u1ed1c t\u1ebf m\u00e0 c\u00f2n ph\u00f9 h\u1ee3p v\u1edbi th\u1ef1c ti\u1ec5n \u1edf Vi\u1ec7t Nam.<\/p>\n

“Quy \u0111\u1ecbnh n\u00e0y kh\u00f4ng ph\u1ea3i \u0111\u1ec3 b\u1eaft bu\u1ed9c c\u00e1c h\u1ed9 gia \u0111\u00ecnh kinh doanh, t\u1ed5 h\u1ee3p t\u00e1c ph\u1ea3i th\u00e0nh l\u1eadp\u00a0doanh nghi\u1ec7p\u00a0m\u00e0 l\u00e0 \u0111\u1ec3 quy \u0111\u1ecbnh r\u00f5 tr\u00e1ch nhi\u1ec7m c\u1ee7a c\u00e1c c\u00e1 nh\u00e2n khi tham gia giao d\u1ecbch d\u00e2n s\u1ef1”, \u00f4ng H\u1ea3i kh\u1eb3ng \u0111\u1ecbnh.<\/p>\n

C\u0169ng theo \u0111\u1ea1i di\u1ec7n B\u1ed9 T\u01b0 ph\u00e1p, cu\u1ed1i n\u0103m 2016, B\u1ed9 \u0111\u00e3 b\u00e1o c\u00e1o Th\u1ee7 t\u01b0\u1edbng v\u1ec1 c\u00f4ng t\u00e1c r\u00e0 so\u00e1t th\u1ef1c hi\u1ec7n B\u1ed9 lu\u1eadt D\u00e2n s\u1ef1 2015, trong \u0111\u00f3 c\u00f3 r\u00e0 so\u00e1t v\u1ec1 ch\u1ee7 th\u1ec3 h\u1ed9 v\u00e0 \u0111\u01b0a ra nh\u1eefng gi\u1ea3i ph\u00e1p \u0111\u1ec3 chuy\u1ec3n \u0111\u1ed5i ch\u1ee7 th\u1ec3 h\u1ed9 th\u00e0nh quan h\u1ec7 gi\u1eefa th\u00e0nh vi\u00ean trong h\u1ed9 gia \u0111\u00ecnh.<\/p>\n

\u0110\u01b0\u1ee3c bi\u1ebft, B\u1ed9 lu\u1eadt D\u00e2n s\u1ef1 2015 kh\u00f4ng \u00e1p d\u1ee5ng h\u1ed3i t\u1ed1, c\u00f3 ngh\u0129a c\u00e1c h\u1ee3p \u0111\u1ed3ng d\u00e2n s\u1ef1 c\u00f3 ch\u1ee7 th\u1ec3 ” h\u1ed9 ” tr\u01b0\u1edbc \u0111\u00e2y v\u1eabn c\u00f3 hi\u1ec7u l\u1ef1c.<\/p>\n

H\u00e0 T\u00e2m<\/strong><\/p>\n

—————————-<\/p>\n

\u0110\u1ea7u t\u01b0 (Ng\u00e2n h\u00e0ng) 13-02-2017:<\/em><\/strong><\/p>\n

http:\/\/baodautu.vn\/khong-cho-chu-the-ho-vay-von-kinh-doanh-la-dung-luat-d58775.html<\/a><\/em><\/strong><\/p>\n

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

(\u0110T) – Tr\u01b0\u1edbc m\u1ed9t s\u1ed1 th\u00f4ng tin c\u1ee7a b\u00e1o ch\u00ed v\u1ec1 vi\u1ec7c h\u1ed9 kinh doanh kh\u00f4ng c\u00f2n \u0111\u01b0\u1ee3c vay v\u1ed1n ng\u00e2n h\u00e0ng theo quy \u0111\u1ecbnh m\u1edbi c\u1ee7a NHNN, \u0111\u1ea1i di\u1ec7n B\u1ed9 T\u01b0 ph\u00e1p kh\u1eb3ng \u0111\u1ecbnh, ch\u1ee7 th\u1ec3 “h\u1ed9” \u0111\u00e3 b\u1ecb x\u00f3a kh\u1ecfi B\u1ed9 lu\u1eadt d\u00e2n s\u1ef1 n\u0103m 2015, do \u0111\u00f3, n\u1ebfu ng\u00e2n h\u00e0ng ti\u1ebfp t\u1ee5c […]<\/p>\n","protected":false},"author":3,"featured_media":27922,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":""},"categories":[17,26],"tags":[],"class_list":["post-27920","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-binh-luan-gop-y","category-legal-media"],"acf":[],"yoast_head":"\n1.203. Kh\u00f4ng cho ch\u1ee7 th\u1ec3 "h\u1ed9" vay v\u1ed1n kinh doanh l\u00e0 \u0111\u00fang lu\u1eadt - 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\/1-203-khong-cho-chu-the-ho-vay-von-kinh-doanh-la-dung-luat\/\" \/>\n<meta property=\"og:locale\" content=\"vi_VN\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"[:vi]1.203. 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