{"id":28050,"date":"2017-02-17T14:25:14","date_gmt":"2017-02-17T07:25:14","guid":{"rendered":"https:\/\/anvilaw.com\/vi\/?p=28050"},"modified":"2022-07-12T10:19:40","modified_gmt":"2022-07-12T03:19:40","slug":"1-221-ho-kinh-doanh-van-co-the-vay-von-nha-bang","status":"publish","type":"post","link":"https:\/\/anvilaw.com\/vi\/1-221-ho-kinh-doanh-van-co-the-vay-von-nha-bang\/","title":{"rendered":"1.221. H\u1ed9 kinh doanh v\u1eabn c\u00f3 th\u1ec3 vay v\u1ed1n nh\u00e0 b\u0103ng"},"content":{"rendered":"(PET) – \u0110\u00e2y l\u00e0 kh\u1eb3ng \u0111\u1ecbnh c\u1ee7a \u00f4ng \u0110o\u00e0n Th\u00e1i S\u01a1n \u2013 V\u1ee5 tr\u01b0\u1edfng V\u1ee5 Ph\u00e1p ch\u1ebf (Ng\u00e2n h\u00e0ng Nh\u00e0 n\u01b0\u1edbc) tr\u01b0\u1edbc nh\u1eefng th\u00f4ng tin cho r\u1eb1ng sau ng\u00e0y 15 \u2013 3, c\u00e1c h\u1ed9 kinh doanh s\u1ebd kh\u00f4ng \u0111\u01b0\u1ee3c vay v\u1ed1n t\u1ea1i c\u00e1c t\u1ed5 ch\u1ee9c t\u00edn d\u1ee5ng (TCTD) theo quy \u0111\u1ecbnh t\u1ea1i Th\u00f4ng t\u01b0 s\u1ed1 39\/2016\/TT-NHNN.<\/strong><\/p>\n\n\n\n\n
\"\"<\/td>\n<\/tr>\n
\u1ea2nh minh h\u1ecda.<\/em><\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n

Nh\u1eefng ng\u00e0y qua, th\u00f4ng tin v\u1ec1 vi\u1ec7c h\u1ed9 kinh doanh, t\u1ed5 h\u1ee3p t\u00e1c, c\u00e1c t\u1ed5 ch\u1ee9c kh\u00f4ng c\u00f3 t\u01b0 c\u00e1ch ph\u00e1p nh\u00e2n s\u1ebd kh\u00f4ng \u0111\u1ee7 t\u01b0 c\u00e1ch ch\u1ee7 th\u1ec3 vay v\u1ed1n t\u1ea1i c\u00e1c TCTD \u0111\u00e3 g\u00e2y nhi\u1ec1u \u00fd ki\u1ebfn tr\u00e1i chi\u1ec1u trong d\u01b0 lu\u1eadn x\u00e3 h\u1ed9i. Theo \u0111\u00f3, t\u1ea1i 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 n\u01b0\u1edbc ngo\u00e0i \u0111\u1ed1i v\u1edbi kh\u00e1ch h\u00e0ng, t\u1eeb ng\u00e0y 15 \u2013 3 s\u1ebd ch\u1ec9 c\u00f3 c\u00e1 nh\u00e2n v\u00e0 ph\u00e1p nh\u00e2n m\u1edbi \u0111\u1ee7 t\u01b0 c\u00e1ch ch\u1ee7 th\u1ec3 vay v\u1ed1n c\u1ee7a c\u00e1c TCTD, c\u00f2n h\u1ed9 kinh doanh th\u00ec kh\u00f4ng. \u0110i\u1ec1u n\u00e0y c\u00f3 ngh\u0129a sau ng\u00e0y 15 \u2013 3, c\u00e1c h\u1ed9 gia \u0111\u00ecnh n\u1ebfu c\u00f3 nhu c\u1ea7u vay v\u1ed1n \u0111\u1ec3 \u0111\u1ea7u t\u01b0 kinh doanh th\u00ec s\u1ebd ph\u1ea3i \u201cn\u00e2ng c\u1ea5p\u201d th\u00e0nh doanh nghi\u1ec7p th\u00ec m\u1edbi \u201c\u0111\u1ee7 t\u01b0 c\u00e1ch\u201d ch\u1ee7 th\u1ec3 vay v\u1ed1n nh\u00e0 b\u0103ng. C\u00f2n n\u1ebfu h\u1ed9 gia \u0111\u00ecnh kh\u00f4ng ch\u1ecbu \u201cn\u00e2ng c\u1ea5p\u201d th\u00e0nh doanh nghi\u1ec7p th\u00ec kh\u00f4ng th\u1ec3 ti\u1ebfp c\u1eadn ngu\u1ed3n v\u1ed1n t\u00edn d\u1ee5ng t\u1eeb c\u00e1c nh\u00e0 b\u0103ng. V\u00e0 n\u1ebfu ch\u1ee7 h\u1ed9, c\u00e1 nh\u00e2n \u0111\u1ea1i di\u1ec7n cho h\u1ed9 kinh doanh \u0111\u1ee9ng ra vay v\u1ed1n v\u1edbi t\u01b0 c\u00e1ch c\u00e1 nh\u00e2n th\u00ec s\u1ebd ph\u1ea3i ch\u1ecbu l\u00e3i su\u1ea5t cao theo l\u00e3i su\u1ea5t vay ti\u00eau d\u00f9ng\u2026<\/p>\n

Th\u1ee9 n\u1eefa, n\u1ebfu bu\u1ed9c ph\u1ea3i \u201cn\u00e2ng c\u1ea5p\u201d th\u00e0nh doanh nghi\u1ec7p \u0111\u1ec3 \u0111\u00e1p \u1ee9ng ti\u00eau ch\u00ed vay v\u1ed1n c\u1ee7a nh\u00e0 b\u0103ng th\u00ec c\u00e1c h\u1ed9 kinh doanh s\u1ebd ph\u1ea3i gi\u1ea3i quy\u1ebft m\u1ed9t lo\u1ea1t c\u00e1c v\u1ea5n \u0111\u1ec1. H\u1ecd s\u1ebd ph\u1ea3i thay \u0111\u1ed5i ho\u00e0n to\u00e0n c\u00e1ch kinh doanh truy\u1ec1n th\u1ed1ng, t\u1ee9c ph\u1ea3i h\u1ecdc, ph\u1ea3i l\u00e0m quen v\u1edbi m\u1ed9t c\u00e1c v\u1ea5n \u0111\u1ec1 v\u1ec1 s\u1ed5 s\u00e1ch, ch\u1ee9ng t\u1eeb, c\u00e1c quy \u0111\u1ecbnh, th\u1ee7 t\u1ee5c h\u00e0nh ch\u00ednh\u2026 \u0110\u1ea5y l\u00e0 ch\u01b0a k\u1ec3, v\u1edbi c\u00e1c h\u1ed9 kinh doanh nh\u1ecf ki\u1ec3u nh\u01b0 s\u1ea3n xu\u1ea5t b\u00e1nh m\u1ef3, b\u00e1nh bao, trong rau s\u1ea1ch\u2026 khi \u201cn\u00e2ng c\u1ea5p\u201d th\u00e0nh doanh nghi\u1ec7p, c\u00e1c s\u1ea3n ph\u1ea9m do h\u1ecd l\u00e0m ra s\u1ebd ph\u1ea3i g\u00e1nh th\u00eam 10% thu\u1ebf gi\u00e1 tr\u1ecb gia t\u0103ng v\u00e0 t\u1ea5t nhi\u00ean, l\u00e0m gi\u1ea3m kh\u1ea3 n\u0103ng c\u1ea1nh tranh c\u1ee7a s\u1ea3n ph\u1ea9m tr\u00ean th\u1ecb tr\u01b0\u1eddng. Ngo\u00e0i ra \u0111\u00f3 c\u00f2n l\u00e0 v\u1ea5n \u0111\u1ec1 ki\u1ec3m tra chuy\u00ean ng\u00e0nh, th\u1ef1c hi\u1ec7n c\u00e1c quy \u0111\u1ecbnh v\u1ec1 k\u00ea khai thu\u1ebf\u2026<\/p>\n

Tr\u01b0\u1edbc nh\u1eefng lu\u1ed3ng \u00fd ki\u1ebfn tr\u00ean, trao \u0111\u1ed5i v\u1edbi b\u00e1o ch\u00ed, \u00f4ng \u0110o\u00e0n Th\u00e1i S\u01a1n kh\u1eb3ng \u0111\u1ecbnh, theo Th\u00f4ng t\u01b0 39 th\u00ec c\u00e1c h\u1ed9 kinh doanh v\u1eabn c\u00f3 th\u1ec3 vay v\u1ed1n t\u1ea1i c\u00e1c TCTD v\u1edbi t\u01b0 c\u00e1ch c\u00e1 nh\u00e2n v\u00e0 ho\u00e0n to\u00e0n kh\u00f4ng c\u00f3 quy \u0111\u1ecbnh \u00e9p h\u1ed9 kinh doanh ph\u1ea3i \u201cn\u00e2ng c\u1ea5p\u201d th\u00e0nh doanh nghi\u1ec7p th\u00ec m\u1edbi \u0111\u01b0\u1ee3c vay v\u1ed1n t\u1ea1i TCTD.<\/p>\n

C\u0169ng theo \u00f4ng S\u01a1n th\u00ec nh\u1eefng thay \u0111\u1ed5i t\u1ea1i Th\u00f4ng t\u01b0 39 v\u1edbi c\u00e1c quy \u0111\u1ecbnh v\u1ec1 khung ph\u00e1p l\u00fd \u0111i\u1ec1u ch\u1ec9nh ho\u1ea1t \u0111\u1ed9ng cho vay c\u1ee7a TCTD \u0111\u1ed1i v\u1edbi kh\u00e1ch h\u00e0ng (kh\u00e1ch h\u00e0ng kh\u00f4ng ph\u1ea3i l\u00e0 TCTD) l\u00e0 ph\u00f9 h\u1ee3p v\u1edbi quy \u0111\u1ecbnh ph\u00e1p lu\u1eadt hi\u1ec7n h\u00e0nh v\u00e0 ti\u1ebfn d\u1ea7n \u0111\u1ebfn c\u00e1c th\u00f4ng l\u1ec7 qu\u1ed1c t\u1ebf. Nh\u1eefng s\u1ef1 \u0111i\u1ec1u ch\u1ec9nh n\u00e0y 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. V\u00ed nh\u01b0 vi\u1ec7c \u0111i\u1ec1u ch\u1ec9nh ch\u1ee7 th\u1ec3 vay v\u1ed1n ch\u1eb3ng h\u1ea1n, theo quy \u0111\u1ecbnh t\u1ea1i B\u1ed9 Lu\u1eadt D\u00e2n s\u1ef1 2015 c\u00f3 hi\u1ec7u l\u1ef1c t\u1eeb ng\u00e0y 1 \u2013 1 \u2013 2017, 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. 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 quy \u0111\u1ecbnh \u0111\u00e3 c\u00f3 hi\u1ec7u l\u1ef1c c\u1ee7a B\u1ed9 lu\u1eadt D\u00e2n s\u1ef1 2015.<\/p>\n

\u201cTheo quy \u0111\u1ecbnh t\u1ea1i B\u1ed9 lu\u1eadt D\u00e2n s\u1ef1 2015, t\u1eeb 1 \u2013 1 \u2013 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\u201d \u2013 \u00f4ng S\u01a1n n\u00f3i.<\/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. B\u1edfi theo \u00f4ng S\u01a1n, theo quy \u0111\u1ecbnh c\u1ee7a B\u1ed9 lu\u1eadt D\u00e2n s\u1ef1 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. L\u00e3i su\u1ea5t cho vay c\u0169ng s\u1ebd do TCTD v\u00e0 kh\u00e1ch h\u00e0ng th\u1ecfa thu\u1eadn t\u00f9y thu\u1ed9c v\u00e0o m\u1ee5c \u0111\u00edch vay v\u1ed1n l\u00e0 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…<\/p>\n\n\n\n
Quy \u0111\u1ecbnh trong Th\u00f4ng t\u01b0 39 ch\u1ec9 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 th\u1ebf gi\u1edbi. Vi\u1ec7c \u0111i\u1ec1u ch\u1ec9nh n\u00e0y nh\u1eb1m l\u00e0m r\u00f5 thu\u1eadt ng\u1eef, kh\u00e1i ni\u1ec7m b\u1edfi ch\u1ec9 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 th\u1ef1c ch\u1ea5t ch\u1ec9 l\u00e0 m\u1ed9t ho\u1eb7c m\u1ed9t nh\u00f3m c\u00e1 nh\u00e2n. V\u00ec v\u1eady, kh\u00e1i ni\u1ec7m n\u00e0y \u0111\u00e3 \u0111\u01b0\u1ee3c x\u00f3a kh\u1ecfi B\u1ed9 Lu\u1eadt D\u00e2n s\u1ef1 2015 v\u00e0 Th\u00f4ng t\u01b0 39 c\u1ee7a Ng\u00e2n h\u00e0ng Nh\u00e0 n\u01b0\u1edbc b\u1ecf ch\u1ee7 th\u1ec3 vay v\u1ed1n \u201ch\u1ed9 gia \u0111\u00ecnh\u201d l\u00e0 h\u1ee3p l\u00fd.<\/p>\n

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 h\u00ecnh th\u1ee9c t\u00ean g\u1ecdi, c\u00f2n b\u1ea3n ch\u1ea5t v\u1eabn nh\u01b0 c\u0169. T\u1eeb ng\u00e0y 15-3, h\u1ed9 kinh doanh, h\u1ed9 gia \u0111\u00ecnh 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.<\/p>\n

(Lu\u1eadt s\u01b0 Tr\u01b0\u01a1ng Thanh \u0110\u1ee9c \u2013 Gi\u00e1m \u0111\u1ed1c C\u00f4ng ty Lu\u1eadt ANVI)<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n

Thanh Ng\u1ecdc<\/strong><\/p>\n

————————-<\/p>\n

Petrotimes (Kinh t\u1ebf) 17-02-2017:<\/em><\/strong><\/p>\n

http:\/\/petrotimes.vn\/ho-kinh-doanh-van-co-the-vay-von-nha-bang-491995.html<\/a><\/em><\/p>\n

(187\/1.078)<\/em>","protected":false},"excerpt":{"rendered":"

(PET) – \u0110\u00e2y l\u00e0 kh\u1eb3ng \u0111\u1ecbnh c\u1ee7a \u00f4ng \u0110o\u00e0n Th\u00e1i S\u01a1n \u2013 V\u1ee5 tr\u01b0\u1edfng V\u1ee5 Ph\u00e1p ch\u1ebf (Ng\u00e2n h\u00e0ng Nh\u00e0 n\u01b0\u1edbc) tr\u01b0\u1edbc nh\u1eefng th\u00f4ng tin cho r\u1eb1ng sau ng\u00e0y 15 \u2013 3, c\u00e1c h\u1ed9 kinh doanh s\u1ebd kh\u00f4ng \u0111\u01b0\u1ee3c vay v\u1ed1n t\u1ea1i c\u00e1c t\u1ed5 ch\u1ee9c t\u00edn d\u1ee5ng (TCTD) theo quy \u0111\u1ecbnh t\u1ea1i Th\u00f4ng t\u01b0 s\u1ed1 […]<\/p>\n","protected":false},"author":3,"featured_media":28053,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":""},"categories":[17,26],"tags":[],"class_list":["post-28050","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-binh-luan-gop-y","category-legal-media"],"acf":[],"yoast_head":"\n1.221. H\u1ed9 kinh doanh v\u1eabn c\u00f3 th\u1ec3 vay v\u1ed1n nh\u00e0 b\u0103ng - 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-1-221-ho-kinh-doanh-van-co-the-vay-von-nha-bang\/\" \/>\n<meta property=\"og:locale\" content=\"vi_VN\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"[:vi]1.221. 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