{"id":27991,"date":"2016-09-20T11:15:55","date_gmt":"2016-09-20T04:15:55","guid":{"rendered":"https:\/\/anvilaw.com\/vi\/?p=27991"},"modified":"2022-06-17T11:18:18","modified_gmt":"2022-06-17T04:18:18","slug":"1-025-tranh-tinh-trang-luat-phu-dinh-luat","status":"publish","type":"post","link":"https:\/\/anvilaw.com\/vi\/1-025-tranh-tinh-trang-luat-phu-dinh-luat\/","title":{"rendered":"1.025. Tr\u00e1nh t\u00ecnh tr\u1ea1ng lu\u1eadt \u201cph\u1ee7 \u0111\u1ecbnh\u201d lu\u1eadt"},"content":{"rendered":"<strong>(\u0110BND) &#8211; Theo c\u00e1c chuy\u00ean gia, vi\u1ec7c cho ph\u00e9p t\u1ed5 ch\u1ee9c t\u00edn d\u1ee5ng (TCTD) th\u1ef1c hi\u1ec7n l\u00e3i su\u1ea5t th\u1ecfa thu\u1eadn theo quy \u0111\u1ecbnh c\u1ee7a lu\u1eadt chuy\u00ean ng\u00e0nh kh\u00f4ng nh\u1eefng l\u00e0m t\u0103ng t\u00ednh c\u00f4ng khai, minh b\u1ea1ch tr\u00ean th\u1ecb tr\u01b0\u1eddng t\u00e0i ch\u00ednh m\u00e0 c\u00f2n g\u00f3p ph\u1ea7n gi\u1ea3m b\u1edbt n\u1ea1n t\u00edn d\u1ee5ng \u201c\u0111en\u201d. Quan tr\u1ecdng h\u01a1n, \u0111i\u1ec1u n\u00e0y s\u1ebd tr\u00e1nh \u0111\u01b0\u1ee3c t\u00ecnh tr\u1ea1ng lu\u1eadt \u201cph\u1ee7 \u0111\u1ecbnh\u201d lu\u1eadt.<\/strong><\/p>\n<p><strong>Lu\u1eadt m\u1eb9, lu\u1eadt con<\/strong><\/p>\n<p>K\u1ec3 t\u1eeb ng\u00e0y 01.01.2017, B\u1ed9 Lu\u1eadt D\u00e2n s\u1ef1 (s\u1eeda \u0111\u1ed5i) \u0111\u00e3 \u0111\u01b0\u1ee3c Qu\u1ed1c h\u1ed9i th\u00f4ng qua s\u1ebd ch\u00ednh th\u1ee9c c\u00f3 hi\u1ec7u l\u1ef1c, trong \u0111\u00f3 Kho\u1ea3n 1 \u0110i\u1ec1u 468 n\u00eau r\u00f5: \u201cTr\u01b0\u1eddng h\u1ee3p c\u00e1c b\u00ean c\u00f3 th\u1ecfa thu\u1eadn v\u1ec1 l\u00e3i su\u1ea5t th\u00ec l\u00e3i su\u1ea5t theo th\u1ecfa thu\u1eadn kh\u00f4ng \u0111\u01b0\u1ee3c v\u01b0\u1ee3t qu\u00e1 20%\/n\u0103m c\u1ee7a kho\u1ea3n ti\u1ec1n vay, tr\u1eeb tr\u01b0\u1eddng h\u1ee3p lu\u1eadt kh\u00e1c c\u00f3 li\u00ean quan quy \u0111\u1ecbnh kh\u00e1c\u201d. \u0110i\u1ec1u kho\u1ea3n n\u00e0y \u0111ang g\u00e2y ra kh\u00e1 nhi\u1ec1u tranh c\u00e3i trong d\u01b0 lu\u1eadn x\u00e3 h\u1ed9i, b\u1edfi tr\u01b0\u1edbc \u0111\u00f3, t\u1ea1i \u0110i\u1ec1u 91, Lu\u1eadt C\u00e1c TCTD n\u0103m 2010 \u0111\u00e3 quy \u0111\u1ecbnh: \u201cT\u1ed5 ch\u1ee9c t\u00edn d\u1ee5ng v\u00e0 kh\u00e1ch h\u00e0ng c\u00f3 quy\u1ec1n th\u1ecfa thu\u1eadn v\u1ec1 l\u00e3i su\u1ea5t, ph\u00ed c\u1ea5p t\u00edn d\u1ee5ng trong ho\u1ea1t \u0111\u1ed9ng ng\u00e2n h\u00e0ng c\u1ee7a t\u1ed5 ch\u1ee9c t\u00edn d\u1ee5ng theo quy \u0111\u1ecbnh c\u1ee7a ph\u00e1p lu\u1eadt\u201d. Gi\u1edbi chuy\u00ean gia cho r\u1eb1ng, n\u1ebfu B\u1ed9 Lu\u1eadt d\u00e2n s\u1ef1 (s\u1eeda \u0111\u1ed5i) \u0111\u01b0a ra quy \u0111\u1ecbnh v\u1ec1 m\u1ed9t m\u1ee9c tr\u1ea7n l\u00e3i su\u1ea5t (c\u1ed1 \u0111\u1ecbnh 20%\/n\u0103m c\u1ee7a kho\u1ea3n ti\u1ec1n vay) \u0111\u1ec3 \u00e1p d\u1ee5ng cho c\u00e1c TCTD, t\u1ee9c l\u00e0 \u0111\u00e3 ph\u1ee7 nh\u1eadn quy \u0111\u1ecbnh \u0111\u00e3 n\u00eau trong Lu\u1eadt C\u00e1c TCTD.<\/p>\n<p>Cao S\u1ef9 Ki\u00eam, nguy\u00ean Th\u1ed1ng \u0111\u1ed1c Ng\u00e2n h\u00e0ng Nh\u00e0 n\u01b0\u1edbc (NHNN), cho r\u1eb1ng c\u1ea7n thi\u1ebft ph\u1ea3i l\u00e0m r\u00f5 n\u1ed9i h\u00e0m c\u1ee7a t\u1eebng \u0111i\u1ec1u kho\u1ea3n n\u00eau trong B\u1ed9 lu\u1eadt D\u00e2n s\u1ef1 2015. \u201cCh\u00fang ta n\u00ean hi\u1ec3u r\u1eb1ng, quy \u0111\u1ecbnh tr\u1ea7n l\u00e3i su\u1ea5t cho vay 20%\/n\u0103m ch\u1ec9 \u0111\u01b0\u1ee3c s\u1eed d\u1ee5ng nh\u1eb1m \u0111i\u1ec1u ch\u1ec9nh ho\u1ea1t \u0111\u1ed9ng t\u00edn d\u1ee5ng phi ch\u00ednh th\u1ee9c, kh\u1ed1ng ch\u1ebf n\u1ea1n cho vay n\u1eb7ng l\u00e3i. C\u00f2n kh\u00e1i ni\u1ec7m \u201ctr\u1eeb tr\u01b0\u1eddng h\u1ee3p lu\u1eadt kh\u00e1c c\u00f3 li\u00ean quan quy \u0111\u1ecbnh kh\u00e1c\u201d \u0111i k\u00e8m h\u00e0m \u00fd r\u1eb1ng, c\u00e1c TCTD s\u1ebd \u0111\u01b0\u1ee3c cho vay theo l\u00e3i su\u1ea5t th\u1ecfa thu\u1eadn theo quy \u0111\u1ecbnh c\u1ee7a Lu\u1eadt C\u00e1c TCTD\u201d, TS. Cao S\u1ef9 Ki\u00eam n\u00f3i.<\/p>\n<table width=\"489\">\n<tbody>\n<tr>\n<td><img loading=\"lazy\" decoding=\"async\" class=\"alignnone size-medium wp-image-27994 img-fluid img-fluid\" src=\"https:\/\/anvilaw.com\/wp-content\/uploads\/2022\/06\/14-5-450x256.jpg\" alt=\"\" width=\"450\" height=\"256\" srcset=\"https:\/\/anvilaw.com\/wp-content\/uploads\/2022\/06\/14-5-450x256.jpg 450w, https:\/\/anvilaw.com\/wp-content\/uploads\/2022\/06\/14-5-350x198.jpg 350w, https:\/\/anvilaw.com\/wp-content\/uploads\/2022\/06\/14-5.jpg 489w\" sizes=\"auto, (max-width: 450px) 100vw, 450px\" \/><\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<p><em>\u0110\u1ed3ng t\u00ecnh v\u1edbi \u00fd ki\u1ebfn n\u00e0y, Lu\u1eadt s\u01b0 Tr\u01b0\u01a1ng Thanh \u0110\u1ee9c, Ch\u1ee7 nhi\u1ec7m C\u00e2u l\u1ea1c b\u1ed9 Ph\u00e1p ch\u1ebf ng\u00e2n h\u00e0ng cho r\u1eb1ng, c\u00e1i \u201c\u0111u\u00f4i\u201d\u00a0<\/em><em>tr\u1eeb tr\u01b0\u1eddng h\u1ee3p lu\u1eadt kh\u00e1c c\u00f3 li\u00ean quan quy \u0111\u1ecbnh kh\u00e1c<\/em><em>\u00a0<\/em><em>c\u00f3 ngh\u0129a \u0111\u00e3 cho ph\u00e9p c\u00e1c TCTD ti\u1ebfp t\u1ee5c th\u1ef1c hi\u1ec7n l\u00e3i su\u1ea5t th\u1ecfa thu\u1eadn nh\u01b0 tr\u01b0\u1edbc \u0111\u00e2y nh\u01b0 quy \u0111\u1ecbnh t\u1ea1i Lu\u1eadt C\u00e1c t\u1ed5 ch\u1ee9c t\u00edn d\u1ee5ng.<a href=\"#_ftn1\" name=\"_ftnref1\"><strong>[1]<\/strong><\/a> \u201cTr\u1ea7n l\u00e3i su\u1ea5t trong B\u1ed9 lu\u1eadt D\u00e2n s\u1ef1 (s\u1eeda \u0111\u1ed5i) kh\u00f4ng t\u00e1c \u0111\u1ed9ng \u0111\u1ebfn ho\u1ea1t \u0111\u1ed9ng cho vay c\u1ee7a c\u00e1c t\u1ed5 ch\u1ee9c t\u00edn d\u1ee5ng\u201d, Lu\u1eadt s\u01b0 Tr\u01b0\u01a1ng Thanh \u0110\u1ee9c nh\u1eadn \u0111\u1ecbnh.<\/em><\/p>\n<p><strong>\u201cC\u1edfi tr\u00f3i\u201d cho c\u00e1c t\u1ed5 ch\u1ee9c t\u00edn d\u1ee5ng<\/strong><\/p>\n<p>\u0110\u1ec3 th\u00e1o g\u1ee1 kh\u00f3 kh\u0103n cho ho\u1ea1t \u0111\u1ed9ng c\u1ee7a c\u00e1c TCTD, \u1edf nhi\u1ec7m k\u1ef3 tr\u01b0\u1edbc, Qu\u1ed1c h\u1ed9i \u0111\u00e3 ra Ngh\u1ecb quy\u1ebft v\u1ec1 vi\u1ec7c tr\u1ea7n l\u00e3i su\u1ea5t theo lu\u1eadt chuy\u00ean ng\u00e0nh \u0111i\u1ec1u ch\u1ec9nh. Theo \u0111\u00f3, kh\u00f4ng ch\u1ed1t con s\u1ed1 l\u00e3i su\u1ea5t c\u1ed1 \u0111\u1ecbnh, m\u00e0 ph\u1ee5 thu\u1ed9c v\u00e0o s\u1ef1 th\u1ecfa thu\u1eadn c\u1ee7a c\u00e1c b\u00ean v\u00e0 \u0111\u1ec3 th\u1ecb tr\u01b0\u1eddng t\u1ef1 \u0111i\u1ec1u ch\u1ec9nh. \u0110\u00e2y l\u00e0 t\u00edn hi\u1ec7u t\u00edch c\u1ef1c, \u0111\u1eb7c bi\u1ec7t trong b\u1ed1i c\u1ea3nh Vi\u1ec7t Nam \u0111ang th\u1ef1c hi\u1ec7n c\u01a1 ch\u1ebf th\u1ecb tr\u01b0\u1eddng, h\u1ed9i nh\u1eadp s\u00e2u r\u1ed9ng v\u1edbi th\u1ebf gi\u1edbi tr\u00ean m\u1ecdi l\u0129nh v\u1ef1c.<\/p>\n<p>Gi\u1ea3i th\u00edch th\u00eam v\u1ec1 t\u00ednh h\u1ee3p l\u00fd c\u1ee7a vi\u1ec7c b\u1ecf tr\u1ea7n l\u00e3i su\u1ea5t, \u00f4ng V\u0169 Vi\u1ebft Ngo\u1ea1n, Ch\u1ee7 t\u1ecbch U\u1ef7 ban Gi\u00e1m s\u00e1t T\u00e0i ch\u00ednh Qu\u1ed1c gia \u0111\u00e3 t\u1eebng n\u00f3i: \u201cM\u00ecnh th\u1ef1c hi\u1ec7n kinh t\u1ebf th\u1ecb tr\u01b0\u1eddng th\u00ec ph\u1ea3i theo quy lu\u1eadt c\u1ee7a kinh t\u1ebf th\u1ecb tr\u01b0\u1eddng. T\u1ea5t c\u1ea3 c\u00e1c bi\u1ec7n ph\u00e1p can thi\u1ec7p h\u00e0nh ch\u00ednh ph\u1ea3i ph\u1ea3n \u00e1nh quy lu\u1eadt cung c\u1ea7u c\u1ee7a th\u1ecb tr\u01b0\u1eddng, cho n\u00ean nh\u1eefng bi\u1ec7n ph\u00e1p can thi\u1ec7p kh\u00f4ng th\u00edch h\u1ee3p th\u00ec ph\u1ea3i thay \u0111\u1ed5i, ph\u1ea3i s\u1eeda l\u1ea1i sao cho l\u00e3i su\u1ea5t do c\u00e1c t\u1ed5 ch\u1ee9c t\u00edn d\u1ee5ng t\u1ef1 \u0111\u1eb7t ra d\u1ef1a tr\u00ean quan h\u1ec7 cung c\u1ea7u\u201d.<\/p>\n<p>Th\u1eddi gian qua, ho\u1ea1t \u0111\u1ed9ng t\u00edn d\u1ee5ng ch\u00ednh th\u1ee9c \u1edf Vi\u1ec7t Nam ch\u01b0a \u0111\u00e1p \u1ee9ng \u0111\u01b0\u1ee3c \u0111\u1ea7y \u0111\u1ee7 nhu c\u1ea7u t\u00edn d\u1ee5ng c\u1ee7a ng\u01b0\u1eddi d\u00e2n v\u00e0 doanh nghi\u1ec7p. Do \u0111\u00f3, gi\u1edbi chuy\u00ean gia khuy\u1ebfn ngh\u1ecb Ch\u00ednh ph\u1ee7, Ng\u00e2n h\u00e0ng Nh\u00e0 n\u01b0\u1edbc c\u1ea7n s\u1edbm c\u00f3 c\u00e1c ch\u00ednh s\u00e1ch khuy\u1ebfn kh\u00edch TCTD phi ng\u00e2n h\u00e0ng ph\u00e1t tri\u1ec3n, trong \u0111\u00f3 bao g\u1ed3m c\u00e1c c\u00f4ng ty t\u00e0i ch\u00ednh, t\u1ed5 ch\u1ee9c t\u00e0i ch\u00ednh vi m\u00f4\u2026 \u0111\u1ec3 thu h\u1eb9p b\u1edbt th\u1ecb tr\u01b0\u1eddng t\u00edn d\u1ee5ng phi ch\u00ednh th\u1ee9c. B\u00ean c\u1ea1nh \u0111\u00f3, NHNN c\u0169ng c\u1ea7n x\u00e2y d\u1ef1ng nh\u1eefng h\u00e0nh lang ph\u00e1p l\u00fd r\u00f5 r\u00e0ng, ban h\u00e0nh th\u00f4ng t\u01b0 h\u01b0\u1edbng d\u1eabn c\u1ee5 th\u1ec3 cho ho\u1ea1t \u0111\u1ed9ng cho vay ti\u00eau d\u00f9ng, \u0111\u1ec3 th\u1ecb tr\u01b0\u1eddng n\u00e0y ph\u00e1t tri\u1ec3n theo h\u01b0\u1edbng l\u00e0nh m\u1ea1nh, hi\u1ec7u qu\u1ea3, cung c\u1ea5p t\u1ed1i \u0111a c\u00e1c d\u1ecbch v\u1ee5 t\u00edn d\u1ee5ng t\u1ed1t nh\u1ea5t \u0111\u1ebfn \u0111a s\u1ed1 ng\u01b0\u1eddi d\u00e2n.<\/p>\n<p><strong>Tr\u1ea7n Nga<\/strong><\/p>\n<p>&#8212;&#8212;&#8212;&#8212;&#8212;&#8212;&#8212;&#8212;&#8212;&#8212;&#8212;&#8212;&#8212;&#8212;&#8212;&#8212;&#8212;&#8212;<\/p>\n<p><strong><em>\u0110\u1ea1i bi\u1ec3u Nh\u00e2n d\u00e2n (Kinh t\u1ebf) 20-9-2016:<\/em><\/strong><\/p>\n<p><em><a href=\"http:\/\/daibieunhandan.vn\/default.aspx?tabid=75&amp;NewsId=378541\">http:\/\/daibieunhandan.vn\/default.aspx?tabid=75&amp;NewsId=378541<\/a><\/em><\/p>\n<p><em>(94\/802)<\/em><\/p>\n<p><a href=\"#_ftnref1\" name=\"_ftn1\">[1]<\/a> D\u1eabn sai \u00fd.","protected":false},"excerpt":{"rendered":"<p>(\u0110BND) &#8211; Theo c\u00e1c chuy\u00ean gia, vi\u1ec7c cho ph\u00e9p t\u1ed5 ch\u1ee9c t\u00edn d\u1ee5ng (TCTD) th\u1ef1c hi\u1ec7n l\u00e3i su\u1ea5t th\u1ecfa thu\u1eadn theo quy \u0111\u1ecbnh c\u1ee7a lu\u1eadt chuy\u00ean ng\u00e0nh kh\u00f4ng nh\u1eefng l\u00e0m t\u0103ng t\u00ednh c\u00f4ng khai, minh b\u1ea1ch tr\u00ean th\u1ecb tr\u01b0\u1eddng t\u00e0i ch\u00ednh m\u00e0 c\u00f2n g\u00f3p ph\u1ea7n gi\u1ea3m b\u1edbt n\u1ea1n t\u00edn d\u1ee5ng \u201c\u0111en\u201d. Quan tr\u1ecdng h\u01a1n, \u0111i\u1ec1u [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":27994,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":""},"categories":[17,26],"tags":[],"class_list":["post-27991","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 v27.3 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>1.025. Tr\u00e1nh t\u00ecnh tr\u1ea1ng lu\u1eadt \u201cph\u1ee7 \u0111\u1ecbnh\u201d 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\/vi\/1-025-tranh-tinh-trang-luat-phu-dinh-luat\/\" \/>\n<meta property=\"og:locale\" content=\"vi_VN\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"[:vi]1.025. 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