{"id":27939,"date":"2017-02-14T09:53:53","date_gmt":"2017-02-14T02:53:53","guid":{"rendered":"https:\/\/anvilaw.com\/vi\/?p=27939"},"modified":"2022-06-17T10:10:46","modified_gmt":"2022-06-17T03:10:46","slug":"1-209-ho-gia-dinh-khong-duoc-vay-von-chi-la-thay-doi-vo-hinh-thuc","status":"publish","type":"post","link":"https:\/\/anvilaw.com\/vi\/1-209-ho-gia-dinh-khong-duoc-vay-von-chi-la-thay-doi-vo-hinh-thuc\/","title":{"rendered":"1.209. H\u1ed9 gia \u0111\u00ecnh kh\u00f4ng \u0111\u01b0\u1ee3c vay v\u1ed1n: Ch\u1ec9 l\u00e0 thay \u0111\u1ed5i v\u1ecf h\u00ecnh th\u1ee9c"},"content":{"rendered":"(PLVN) – Theo chuy\u00ean gia, vi\u1ec7c b\u1ecf ch\u1ee7 th\u1ec3 vay v\u1ed1n h\u1ed9 gia \u0111\u00ecnh, h\u1ed9 kinh doanh ch\u1ec9 thay \u0111\u1ed5i v\u1ecf h\u00ecnh th\u1ee9c l\u00e0 t\u00ean g\u1ecdi.<\/strong><\/p>\n

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Theo quy \u0111\u1ecbnh t\u1ea1i B\u1ed9 lu\u1eadt D\u00e2n s\u1ef1 (BLDS) n\u0103m 2015, ch\u1ee7 th\u1ec3 tham gia quan h\u1ec7 d\u00e2n s\u1ef1 ch\u1ec9 bao g\u1ed3m ph\u00e1p nh\u00e2n, c\u00e1 nh\u00e2n. Do \u0111\u00f3, Ng\u00e2n h\u00e0ng Nh\u00e0 n\u01b0\u1edbc m\u1edbi \u0111\u00e2y \u0111\u00e3 b\u1ed5 sung quy \u0111\u1ecbnh v\u1ec1 kh\u00e1ch h\u00e0ng vay t\u1ea1i t\u1ed5 ch\u1ee9c t\u00edn d\u1ee5ng ch\u1ec9 l\u00e0 ph\u00e1p nh\u00e2n, c\u00e1 nh\u00e2n t\u1ea1i Th\u00f4ng t\u01b0 39 v\u1eeba ban h\u00e0nh \u0111\u1ec3 ph\u00f9 h\u1ee3p v\u1edbi B\u1ed9 lu\u1eadt n\u00e0y.<\/p>\n

Theo Th\u00f4ng t\u01b0 c\u00f3 hi\u1ec7u l\u1ef1c 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.<\/p>\n

Th\u00f4ng tin n\u00e0y \u0111ang khi\u1ebfn nhi\u1ec1u ng\u01b0\u1eddi lo ng\u1ea1i v\u00ec cho r\u1eb1ng v\u1edbi quy \u0111\u1ecbnh n\u00e0y, vi\u1ec7c vay v\u1ed1n t\u1eeb ng\u00e2n h\u00e0ng s\u1ebd kh\u00f3 kh\u0103n h\u01a1n.<\/p>\n

Tuy nhi\u00ean, tr\u1ea3 l\u1eddi b\u00e1o ch\u00ed, Lu\u1eadt s\u01b0 Tr\u01b0\u01a1ng Thanh \u0110\u1ee9c, Ch\u1ee7 t\u1ecbch C\u00e2u l\u1ea1c b\u1ed9 Ph\u00e1p ch\u1ebf Ng\u00e2n h\u00e0ng cho hay, 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 ng\u00e2n h\u00e0ng g\u1ed3m ph\u00e1p nh\u00e2n v\u00e0 c\u00e1 nh\u00e2n theo th\u00f4ng l\u1ec7 chung c\u1ee7a to\u00e0n th\u1ebf gi\u1edbi.\u00a0<\/em><\/p>\n

Theo 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 xo\u00e1 b\u1ecf kh\u1ecfi BLDS n\u0103m 2015.\u00a0<\/em><\/p>\n

\u00d4ng \u0110\u1ee9c gi\u1ea3i th\u00edch, quy \u0111\u1ecbnh c\u1ee7a Th\u00f4ng t\u01b0 39 ch\u1ec9 \u0111\u01a1n thu\u1ea7n \u0111i\u1ec1u ch\u1ec9nh l\u1ea1i \u0111\u1ec3 l\u00e0m r\u00f5 thu\u1eadt ng\u1eef, kh\u00e1i ni\u1ec7m. Vi\u1ec7c b\u1ecf ch\u1ee7 th\u1ec3 vay v\u1ed1n h\u1ed9 gia \u0111\u00ecnh, h\u1ed9 kinh doanh ch\u1ec9 l\u00e0 thay \u0111\u1ed5i v\u1ecf h\u00ecnh th\u1ee9c l\u00e0 t\u00ean g\u1ecdi. Theo \u0111\u00f3, t\u1eeb nay 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 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.\u00a0<\/em><\/p>\n

C\u0169ng x\u00e1c nh\u1eadn c\u00e1ch gi\u1ea3i th\u00edch nh\u01b0 tr\u00ean v\u00e0 gi\u1ea3i th\u00edch c\u1ee5 th\u1ec3 th\u00eam v\u1ec1 Th\u00f4ng t\u01b0 s\u1ed1 39\/2016\/TT-NHNN (Th\u00f4ng t\u01b0 39), \u00f4ng \u0110o\u00e0n Th\u00e1i S\u01a1n, V\u1ee5 tr\u01b0\u1edfng V\u1ee5 Ph\u00e1p ch\u1ebf, Ng\u00e2n h\u00e0ng Nh\u00e0 n\u01b0\u1edbc Vi\u1ec7t Nam (NHNN) cho hay, c\u00e1c ch\u1ee7 h\u1ed9 kinh doanh v\u1eabn \u0111\u01b0\u1ee3c vay v\u1edbi t\u01b0 c\u00e1ch c\u00e1 nh\u00e2n, l\u00e3i su\u1ea5t vay do ng\u00e2n h\u00e0ng \u0111\u01b0a ra t\u00f9y thu\u1ed9c v\u00e0o m\u1ee5c \u0111\u00edch vay v\u1ed1n (kinh doanh hay ti\u00eau d\u00f9ng) v\u00e0 \u00e1p d\u1ee5ng \u1edf m\u1ee9c th\u00f4ng th\u01b0\u1eddng, kh\u00f4ng ph\u1ee5 thu\u1ed9c v\u00e0o t\u01b0 c\u00e1ch vay v\u1ed1n.<\/p>\n

Th\u00f4ng t\u01b0 n\u00e0y \u0111\u01b0a ra c\u00e1c quy \u0111\u1ecbnh m\u1edbi 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 n\u01b0\u1edbc ngo\u00e0i \u0111\u1ed1i v\u1edbi kh\u00e1ch h\u00e0ng.<\/p>\n

Theo \u0111\u00f3, Th\u00f4ng t\u01b0 quy \u0111\u1ecbnh khung ph\u00e1p l\u00fd chung \u0111i\u1ec1u ch\u1ec9nh ho\u1ea1t \u0111\u1ed9ng cho vay c\u1ee7a t\u1ed5 ch\u1ee9c t\u00edn d\u1ee5ng, chi nh\u00e1nh ng\u00e2n h\u00e0ng n\u01b0\u1edbc ngo\u00e0i \u0111\u1ed1i v\u1edbi kh\u00e1ch h\u00e0ng (kh\u00e1ch h\u00e0ng kh\u00f4ng ph\u1ea3i l\u00e0 TCTD) cho ph\u00f9 h\u1ee3p v\u1edbi quy \u0111\u1ecbnh t\u1ea1i Lu\u1eadt C\u00e1c TCTD n\u0103m 2010, BLDS n\u0103m 2015, c\u00e1c quy \u0111\u1ecbnh hi\u1ec7n h\u00e0nh kh\u00e1c c\u1ee7a ph\u00e1p lu\u1eadt li\u00ean quan \u0111\u1ebfn ho\u1ea1t \u0111\u1ed9ng cho vay v\u00e0 xu h\u01b0\u1edbng ph\u00e1t tri\u1ec3n ho\u1ea1t \u0111\u1ed9ng cho vay theo h\u01b0\u1edbng ti\u1ebfn d\u1ea7n \u0111\u1ebfn c\u00e1c th\u00f4ng l\u1ec7 qu\u1ed1c t\u1ebf, qua \u0111\u00f3 nh\u1eb1m \u0111\u00e1p \u1ee9ng y\u00eau c\u1ea7u qu\u1ea3n l\u00fd nh\u00e0 n\u01b0\u1edbc \u0111\u1ed1i v\u1edbi ho\u1ea1t \u0111\u1ed9ng cho vay c\u1ee7a TCTD v\u00e0 t\u0103ng t\u00ednh minh b\u1ea1ch trong ho\u1ea1t \u0111\u1ed9ng cho vay.<\/p>\n

Th\u00f4ng t\u01b0 n\u00e0y c\u0169ng thay th\u1ebf Quy ch\u1ebf cho vay c\u1ee7a t\u1ed5 ch\u1ee9c t\u00edn d\u1ee5ng \u0111\u1ed1i v\u1edbi kh\u00e1ch h\u00e0ng ban h\u00e0nh k\u00e8m theo Quy\u1ebft \u0111\u1ecbnh s\u1ed1 1627\/2001\/Q\u0110-NHNN ng\u00e0y 31\/12\/2001 v\u00e0 m\u1ed9t s\u1ed1 v\u0103n b\u1ea3n kh\u00e1c li\u00ean quan \u0111\u1ebfn ho\u1ea1t \u0111\u1ed9ng cho vay.<\/p>\n

\u00d4ng S\u01a1n cho bi\u1ebft, quy \u0111\u1ecbnh v\u1ec1 ch\u1ee7 th\u1ec3 tham gia quan h\u1ec7 d\u00e2n s\u1ef1 (bao g\u1ed3m c\u1ea3 h\u1ee3p \u0111\u1ed3ng vay v\u1ed1n) ch\u1ec9 bao g\u1ed3m c\u00e1 nh\u00e2n, ph\u00e1p nh\u00e2n \u0111\u00e3 \u0111\u01b0\u1ee3c quy \u0111\u1ecbnh t\u1ea1i BLDS 2015 (\u0111\u00e3 c\u00f3 hi\u1ec7u l\u1ef1c thi h\u00e0nh t\u1eeb ng\u00e0y 1\/1\/2017). Quy \u0111\u1ecbnh v\u1ec1 kh\u00e1ch h\u00e0ng vay v\u1ed1n t\u1ea1i Th\u00f4ng t\u01b0 39\/2016\/TT-NHNN l\u00e0 th\u1ef1c hi\u1ec7n (ph\u1ea3i b\u1ea3o \u0111\u1ea3m ph\u00f9 h\u1ee3p v\u1edbi BLDS 2015) quy \u0111\u1ecbnh \u0111\u00e3 c\u00f3 hi\u1ec7u l\u1ef1c c\u1ee7a BLDS 2015.<\/p>\n

Quy \u0111\u1ecbnh m\u1edbi kh\u1eafc ph\u1ee5c vi\u1ec7c TCTD ti\u1ebfp t\u1ee5c k\u00fd h\u1ee3p \u0111\u1ed3ng cho vay v\u1edbi h\u1ed9 kinh doanh v\u00e0 c\u00e1c t\u1ed5 ch\u1ee9c kh\u00e1c kh\u00f4ng c\u00f3 t\u01b0 c\u00e1ch ph\u00e1p nh\u00e2n, \u0111i\u1ec1u n\u00e0y s\u1ebd ti\u1ec1m \u1ea9n r\u1ee7i ro cho TCTD cho vay v\u00ec c\u00f3 th\u1ec3 b\u1ecb tuy\u00ean v\u00f4 hi\u1ec7u h\u1ee3p \u0111\u1ed3ng do b\u00ean vay kh\u00f4ng \u0111\u1ee7 t\u01b0 c\u00e1ch ch\u1ee7 th\u1ec3.<\/p>\n

Hi\u1ec7n nay, nhi\u1ec1u ng\u01b0\u1eddi \u0111ang hi\u1ec3u r\u1eb1ng kho\u1ea3ng h\u01a1n 5 tri\u1ec7u h\u1ed9 kinh doanh n\u1ebfu kh\u00f4ng chuy\u1ec3n \u0111\u1ed5i th\u00e0nh doanh nghi\u1ec7p s\u1ebd kh\u00f4ng th\u1ec3 ti\u1ebfp c\u1eadn \u0111\u01b0\u1ee3c ngu\u1ed3n v\u1ed1n t\u00edn d\u1ee5ng c\u1ee7a c\u00e1c ng\u00e2n h\u00e0ng. N\u1ebfu mu\u1ed1n, c\u00e1c ch\u1ee7 h\u1ed9 ph\u1ea3i vay v\u1edbi t\u01b0 c\u00e1ch c\u00e1 nh\u00e2n.<\/p>\n

H\u01a1n n\u1eefa, th\u1ef1c t\u1ebf, \u1edf g\u00f3c \u0111\u1ed9 h\u1ed9 gia \u0111\u00ecnh m\u1ed9t s\u1ed1 ch\u1ee7 h\u1ed9 kinh doanh \u0111ang b\u0103n kho\u0103n v\u00ec h\u1ecd ch\u01b0a mu\u1ed1n n\u00e2ng c\u1ea5p l\u00ean th\u00e0nh doanh nghi\u1ec7p. T\u00e2m l\u00fd c\u1ee7a c\u00e1c h\u1ed9 kinh doanh kh\u00f4ng th\u00edch l\u00ean doanh nghi\u1ec7p kh\u00f4ng ch\u1ec9 v\u00ec v\u01b0\u1edbng b\u1eadn th\u00eam kh\u00e2u s\u1ed5 s\u00e1ch k\u1ebf to\u00e1n b\u00e0i b\u1ea3n m\u00e0 c\u00f2n v\u00ec t\u1eadp t\u1ee5c, th\u00f3i quen kinh doanh truy\u1ec1n t\u1eeb th\u1ebf h\u1ec7 n\u00e0y qua th\u1ebf h\u1ec7 kh\u00e1c, e ng\u1ea1i th\u1ee7 t\u1ee5c h\u00e0nh ch\u00ednh, kh\u00e1c v\u1edbi l\u1ee3i \u00edch c\u1ee7a vi\u1ec7c t\u1ef1 khai thu\u1ebf, kh\u00f4ng \u0111\u00f3ng thu\u1ebf n\u1ebfu ch\u01b0a c\u00f3 l\u1eddi v\u00e0 t\u1ef1 ch\u1ecbu tr\u00e1ch nhi\u1ec7m.<\/p>\n

Gi\u1ea3i \u0111\u00e1p v\u1ea5n \u0111\u1ec1 n\u00e0y, \u0111\u1ea1i di\u1ec7n NHNN cho bi\u1ebft, theo quy \u0111\u1ecbnh t\u1ea1i BLDS 2015, t\u1eeb 1\/1\/2017, h\u1ed9 kinh doanh kh\u00f4ng c\u00f2n l\u00e0 ch\u1ee7 th\u1ec3 k\u00fd k\u1ebft t\u1ea5t c\u1ea3 c\u00e1c lo\u1ea1i h\u1ee3p \u0111\u1ed3ng (kh\u00f4ng ch\u1ec9 ri\u00eang \u0111\u1ed1i v\u1edbi h\u1ee3p \u0111\u1ed3ng t\u00edn d\u1ee5ng ng\u00e2n h\u00e0ng). Th\u00f4ng t\u01b0 39 \u0111\u00e3 c\u00f3 quy \u0111\u1ecbnh, vi\u1ec7c vay v\u1ed1n ng\u00e2n h\u00e0ng s\u1ebd ph\u1ea3i th\u1ef1c hi\u1ec7n theo t\u01b0 c\u00e1ch c\u00e1 nh\u00e2n. Th\u00f4ng t\u01b0 39 kh\u00f4ng c\u00f3 b\u1ea5t k\u1ef3 quy \u0111\u1ecbnh n\u00e0o bu\u1ed9c h\u1ed9 kinh doanh ph\u1ea3i th\u00e0nh l\u1eadp doanh nghi\u1ec7p \u0111\u1ec3 vay v\u1ed1n.<\/p>\n

V\u1ec1 vi\u1ec7c c\u00e1c h\u1ed3 s\u01a1 \u0111ang th\u1ef1c hi\u1ec7n vay v\u1ed1n t\u1ea1i ng\u00e2n h\u00e0ng hi\u1ec7n nay theo quy \u0111\u1ecbnh c\u0169, \u00f4ng S\u01a1n cho bi\u1ebft \u0110i\u1ec1u 34 Th\u00f4ng t\u01b0 39 \u0111\u00e3 c\u00f3 quy \u0111\u1ecbnh chuy\u1ec3n ti\u1ebfp, cho ph\u00e9p ti\u1ebfp t\u1ee5c th\u1ef1c hi\u1ec7n c\u00e1c h\u1ee3p \u0111\u1ed3ng \u0111\u00e3 k\u00fd tr\u01b0\u1edbc ng\u00e0y Th\u00f4ng t\u01b0 c\u00f3 hi\u1ec7u l\u1ef1c.<\/p>\n

\u0110\u1ea1i di\u1ec7n V\u1ee5 Ph\u00e1p ch\u1ebf NHNN c\u0169ng ph\u1ee7 nh\u1eadn quan \u0111i\u1ec3m cho r\u1eb1ng, n\u1ebfu vay l\u1ea1i ph\u1ea3i thay \u0111\u1ed5i r\u1ea5t nhi\u1ec1u h\u1ed3 s\u01a1, th\u1ee7 t\u1ee5c, gi\u1ea5y t\u1edd v\u00e0 \u0111\u1eb7c bi\u1ec7t ph\u1ea3i vay v\u1edbi l\u00e3i su\u1ea5t cao h\u01a1n, c\u00f3 th\u1ec3 s\u1ebd t\u00ednh theo l\u00e3i su\u1ea5t cho vay ti\u00eau d\u00f9ng khi\u1ebfn chi ph\u00ed s\u1ea3n xu\u1ea5t \u0111\u1ed9i l\u00ean n\u1ebfu \u0111\u1ee9ng d\u01b0\u1edbi vai tr\u00f2 c\u00e1 nh\u00e2n vay v\u1ed1n.<\/p>\n

\u00d4ng S\u01a1n cho bi\u1ebft, theo quy \u0111\u1ecbnh c\u1ee7a BLDS 2015 v\u00e0 Th\u00f4ng t\u01b0 39, tr\u00e1ch nhi\u1ec7m ho\u00e0n tr\u1ea3 v\u1ed1n vay l\u00e0 c\u1ee7a c\u00e1 nh\u00e2n vay v\u1ed1n, vi\u1ec7c vay v\u1ed1n c\u1ee7a c\u00e1 nh\u00e2n kh\u00f4ng r\u00e0ng bu\u1ed9c tr\u00e1ch nhi\u1ec7m c\u1ee7a h\u1ed9 kinh doanh.<\/p>\n

\u201cL\u00e3i su\u1ea5t vay do TCTD quy\u1ebft \u0111\u1ecbnh t\u00f9y thu\u1ed9c v\u00e0o m\u1ee5c \u0111\u00edch vay v\u1ed1n (kinh doanh hay ti\u00eau d\u00f9ng), th\u1eddi h\u1ea1n vay, m\u1ee9c \u0111\u1ed9 r\u1ee7i ro, t\u00ednh kh\u1ea3 thi c\u1ee7a ph\u01b0\u01a1ng \u00e1n vay v\u1ed1n, chi ph\u00ed \u0111\u1ea7u v\u00e0o c\u1ee7a t\u1eebng TCTD; th\u00f4ng th\u01b0\u1eddng kh\u00f4ng ph\u1ee5 thu\u1ed9c v\u00e0o t\u01b0 c\u00e1ch vay v\u1ed1n l\u00e0 h\u1ed9 kinh doanh hay c\u00e1 nh\u00e2n\u201d, \u0111\u1ea1i di\u1ec7n V\u1ee5 Ph\u00e1p ch\u1ebf kh\u1eb3ng \u0111\u1ecbnh.<\/p>\n

Theo Lu\u1eadt s\u01b0 Tr\u01b0\u01a1ng Thanh \u0110\u1ee9c, h\u1ed9 gia \u0111\u00ecnh l\u00e0 m\u1ed9t trong nh\u1eefng ch\u1ee7 th\u1ec3 c\u1ee7a quan h\u1ec7 trong B\u1ed9 lu\u1eadt D\u00e2n s\u1ef1 tr\u01b0\u1edbc \u0111\u00e2y (n\u0103m 2005). Tuy nhi\u00ean, n\u00f3 \u0111\u00e3 t\u1ea1o ra v\u00f4 v\u00e0n r\u1eafc r\u1ed1i ph\u00e1p l\u00fd trong th\u1ef1c t\u1ebf cu\u1ed9c s\u1ed1ng, v\u00ec tuy c\u00f3 quy \u0111\u1ecbnh nh\u01b0ng l\u1ea1i g\u1ea7n nh\u01b0 kh\u00f4ng th\u1ec3 x\u00e1c \u0111\u1ecbnh \u0111\u01b0\u1ee3c n\u1ebfu d\u1ef1a tr\u00ean c\u01a1 s\u1edf ph\u00e1p l\u00fd. Vi\u1ec7c B\u1ed9 lu\u1eadt D\u00e2n s\u1ef1 2015 lo\u1ea1i b\u1ecf h\u1ed9 gia \u0111\u00ecnh, v\u1edbi t\u01b0 c\u00e1ch l\u00e0 m\u1ed9t ch\u1ee7 th\u1ec3 trong quan h\u1ec7 d\u00e2n s\u1ef1 l\u00e0 c\u1ea7n thi\u1ebft v\u00e0 h\u1ee3p l\u00fd.<\/em><\/p>\n

Th\u1ed1ng k\u00ea ch\u01b0a \u0111\u1ea7y \u0111\u1ee7 c\u1ee7a Ph\u00f2ng Th\u01b0\u01a1ng m\u1ea1i v\u00e0 C\u00f4ng nghi\u1ec7p Vi\u1ec7t Nam (VCCI), hi\u1ec7n tr\u00ean c\u1ea3 n\u01b0\u1edbc c\u00f3 kho\u1ea3ng 5,6 tri\u1ec7u h\u1ed9 kinh doanh.<\/em><\/p>\n

V\u00e2n Anh<\/strong><\/p>\n

—————————–<\/p>\n

Ph\u00e1p lu\u1eadt VN (H\u1ecfi \u0111\u00e1p ph\u00e1p lu\u1eadt) 14-02-2017:<\/em><\/strong><\/p>\n

http:\/\/baophapluat.vn\/hoi-dap-phap-luat\/ho-gia-dinh-khong-duoc-vay-von-chi-la-thay-doi-vo-hinh-thuc-319366.html<\/a><\/em><\/p>\n

(281\/1.363)<\/em>","protected":false},"excerpt":{"rendered":"

(PLVN) – Theo chuy\u00ean gia, vi\u1ec7c b\u1ecf ch\u1ee7 th\u1ec3 vay v\u1ed1n h\u1ed9 gia \u0111\u00ecnh, h\u1ed9 kinh doanh ch\u1ec9 thay \u0111\u1ed5i v\u1ecf h\u00ecnh th\u1ee9c l\u00e0 t\u00ean g\u1ecdi. Theo quy \u0111\u1ecbnh t\u1ea1i B\u1ed9 lu\u1eadt D\u00e2n s\u1ef1 (BLDS) n\u0103m 2015, ch\u1ee7 th\u1ec3 tham gia quan h\u1ec7 d\u00e2n s\u1ef1 ch\u1ec9 bao g\u1ed3m ph\u00e1p nh\u00e2n, c\u00e1 nh\u00e2n. Do \u0111\u00f3, Ng\u00e2n […]<\/p>\n","protected":false},"author":3,"featured_media":27940,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":""},"categories":[17,26],"tags":[],"class_list":["post-27939","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-binh-luan-gop-y","category-legal-media"],"acf":[],"yoast_head":"\n1.209. 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