{"id":28297,"date":"2017-03-19T09:21:32","date_gmt":"2017-03-19T02:21:32","guid":{"rendered":"https:\/\/anvilaw.com\/vi\/?p=28297"},"modified":"2022-06-20T09:23:52","modified_gmt":"2022-06-20T02:23:52","slug":"1-248-hieu-cho-dung-ve-chinh-sach-cho-vay-moi","status":"publish","type":"post","link":"https:\/\/anvilaw.com\/vi\/1-248-hieu-cho-dung-ve-chinh-sach-cho-vay-moi\/","title":{"rendered":"1.248. Hi\u1ec3u cho \u0111\u00fang v\u1ec1 ch\u00ednh s\u00e1ch cho vay m\u1edbi"},"content":{"rendered":"(TT) – Ng\u00e2n h\u00e0ng Nh\u00e0 n\u01b0\u1edbc v\u1eeba ban h\u00e0nh Th\u00f4ng t\u01b0 s\u1ed1 39\/2016\/TT-NHNN quy \u0111\u1ecbnh vi\u1ec7c cho vay c\u1ee7a c\u00e1c t\u1ed5 ch\u1ee9c t\u00edn d\u1ee5ng \u0111\u1ed1i v\u1edbi kh\u00e1ch h\u00e0ng (Th\u00f4ng t\u01b0 39).<\/strong><\/p>\n

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Gia \u0111\u00ecnh anh L\u00ea \u0110\u1ee9c T\u0129nh \u1edf x\u00e3 T\u00e0m X\u00e1, huy\u1ec7n \u0110\u00f4ng Anh (H\u00e0 N\u1ed9i) vay v\u1ed1n \u01b0u \u0111\u00e3i Ch\u01b0\u01a1ng tr\u00ecnh cho vay gi\u1ea3i quy\u1ebft vi\u1ec7c l\u00e0m \u0111\u1ec3 tr\u1ed3ng qu\u1ea5t c\u1ea3nh. \u1ea2nh: Tr\u1ea7n Vi\u1ec7t\/TTXVN<\/em><\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n

C\u00f3 hi\u1ec7u l\u1ef1c t\u1eeb ng\u00e0y 15\/3, Th\u00f4ng t\u01b0 39 \u0111ang c\u00f3 m\u1ed9t \u0111i\u1ec3m khi\u1ebfn d\u01b0 lu\u1eadn b\u0103n kho\u0103n r\u1eb1ng c\u00e1c \u0111\u00f4\u0301i t\u01b0\u01a1\u0323ng kh\u00f4ng pha\u0309i l\u00e0 ph\u00e1p nh\u00e2n (v\u00ed du\u0323 nh\u01b0 h\u00f4\u0323 kinh doanh, h\u1ed9 gia \u0111\u00ecnh, t\u00f4\u0309 h\u01a1\u0323p t\u00e1c, t\u00f4\u0309 ch\u01b0\u0301c 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. V\u1eady c\u1ea7n hi\u1ec3u v\u1ea5n \u0111\u1ec1 n\u00e0y nh\u01b0 th\u1ebf n\u00e0o cho \u0111\u00fang \u0111ang l\u00e0 c\u00e2u h\u1ecfi c\u1ea7n l\u00e0m r\u00f5.<\/p>\n

V\u1edbi nh\u1eefng quy \u0111\u1ecbnh m\u1edbi, nhi\u1ec1u ng\u01b0\u1eddi \u0111ang hi\u1ec3u r\u1eb1ng c\u00e1c 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

\u00d4ng \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) gi\u1ea3i th\u00edch, theo quy \u0111\u1ecbnh t\u1ea1i Quy\u1ebft \u0111\u1ecbnh 1627\/2001\/Q\u0110-NHNN, ch\u1ee7 th\u1ec3 \u0111\u01b0\u1ee3c vay v\u1ed1n bao g\u1ed3m t\u1ed5 ch\u1ee9c, c\u00e1 nh\u00e2n Vi\u1ec7t Nam v\u00e0 n\u01b0\u1edbc ngo\u00e0i, bao g\u1ed3m c\u00e1 nh\u00e2n, h\u1ed9 gia \u0111\u00ecnh, doanh nghi\u1ec7p t\u01b0 nh\u00e2n, t\u1ed5 h\u1ee3p t\u00e1c v\u00e0 c\u00e1c t\u1ed5 ch\u1ee9c kh\u00e1c c\u00f3 n\u0103ng l\u1ef1c ph\u00e1p lu\u1eadt d\u00e2n s\u1ef1.<\/p>\n

Kh\u00e1c v\u1edbi quy \u0111\u1ecbnh t\u1ea1i Quy\u1ebft \u0111\u1ecbnh 1627 n\u00eau tr\u00ean, tr\u00ean c\u01a1 s\u1edf quy \u0111\u1ecbnh c\u1ee7a B\u1ed9 lu\u1eadt d\u00e2n s\u1ef1 2015 v\u1ec1 ch\u1ee7 th\u1ec3 (ch\u1ec9 bao g\u1ed3m c\u00e1 nh\u00e2n, ph\u00e1p nh\u00e2n), Th\u00f4ng t\u01b0 39 quy \u0111\u1ecbnh ch\u1ee7 th\u1ec3 vay v\u1ed1n ch\u1ec9 bao g\u1ed3m c\u00e1 nh\u00e2n Vi\u1ec7t Nam, c\u00e1 nh\u00e2n c\u00f3 qu\u1ed1c t\u1ecbch n\u01b0\u1edbc ngo\u00e0i, ph\u00e1p nh\u00e2n th\u00e0nh l\u1eadp v\u00e0 ho\u1ea1t \u0111\u1ed9ng t\u1ea1i Vi\u1ec7t Nam, ph\u00e1p nh\u00e2n th\u00e0nh l\u1eadp \u1edf n\u01b0\u1edbc ngo\u00e0i v\u00e0 ho\u1ea1t \u0111\u1ed9ng h\u1ee3p ph\u00e1p t\u1ea1i Vi\u1ec7t Nam.<\/p>\n

\u201cNh\u01b0 v\u1eady, theo quy \u0111\u1ecbnh t\u1ea1i B\u1ed9 lu\u1eadt d\u00e2n s\u1ef1 2015 v\u00e0 Th\u00f4ng t\u01b0 39, 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 nh\u01b0 h\u1ed9 gia \u0111\u00ecnh, t\u1ed5 h\u1ee3p t\u00e1c, h\u1ed9 kinh doanh, doanh nghi\u1ec7p t\u01b0 nh\u00e2n…. \u0110\u1ed3ng th\u1eddi, Th\u00f4ng t\u01b0 39 c\u0169ng quy \u0111\u1ecbnh c\u00e1 nh\u00e2n \u0111\u01b0\u1ee3c vay v\u1ed1n cho nhu c\u1ea7u s\u1eed d\u1ee5ng v\u1ed1n c\u1ee7a h\u1ed9 kinh doanh, doanh nghi\u1ec7p t\u01b0 nh\u00e2n do ch\u00ednh m\u00ecnh l\u00e0 ch\u1ee7 h\u1ed9 kinh doanh ho\u1eb7c ch\u1ee7 doanh nghi\u1ec7p t\u01b0 nh\u00e2n\u201d, V\u1ee5 tr\u01b0\u1edfng V\u1ee5 Ph\u00e1p ch\u1ebf n\u00f3i.<\/p>\n

\u00d4ng \u0110o\u00e0n Th\u00e1i S\u01a1n c\u0169ng gi\u1ea3i th\u00edch, vi\u1ec7c kinh doanh c\u1ee7a h\u1ed9 gia \u0111\u00ecnh do kh\u00f4ng c\u00f2n t\u01b0 c\u00e1ch ch\u1ee7 th\u1ec3, nh\u01b0ng c\u00e1c c\u00e1 nh\u00e2n v\u1eabn c\u00f3 th\u1ec3 vay v\u1ed1n kinh doanh v\u1edbi t\u01b0 c\u00e1ch c\u1ee7a ch\u00ednh c\u00e1 nh\u00e2n n\u00e0y. V\u00e0 v\u1ec1 nguy\u00ean t\u1eafc th\u00ec h\u1ec7 th\u1ed1ng ng\u00e2n h\u00e0ng v\u1eabn \u0111\u1ea3m b\u1ea3o ngu\u1ed3n v\u1ed1n t\u00edn d\u1ee5ng cho nhu c\u1ea7u kinh doanh c\u1ee7a c\u00e1c c\u00e1 nh\u00e2n.<\/p>\n

Gi\u1edbi ph\u00e2n t\u00edch nh\u1eadn \u0111\u1ecbnh, v\u1ec1 \u0111\u1ed1i t\u01b0\u1ee3ng \u0111\u01b0\u1ee3c vay, quy \u0111\u1ecbnh c\u1ee7a Th\u00f4ng t\u01b0 39 ch\u1ec9 \u0111\u01a1n thu\u1ea7n \u0111i\u1ec1u ch\u1ec9nh l\u1ea1i t\u00ean g\u1ecdi, kh\u00e1i ni\u1ec7m cho ph\u00f9 h\u1ee3p v\u1edbi ph\u00e1p lu\u1eadt hi\u1ec7n h\u00e0nh.<\/p>\n

Lu\u1eadt s\u01b0 Tr\u01b0\u01a1ng Thanh \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 quy \u0111\u1ecbnh m\u1edbi n\u00e0y, 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 v\u00e0 ch\u1ee7 h\u1ed9 kh\u00f4ng c\u00f2n \u0111\u1ea1i di\u1ec7n cho h\u1ed9 nh\u01b0 tr\u01b0\u1edbc \u0111\u00e2y n\u1eefa.\u00a0<\/em><\/p>\n

B\u1ed9 lu\u1eadt D\u00e2n s\u1ef1 c\u0169 quy \u0111\u1ecbnh r\u1ea5t nhi\u1ec1u c\u00e1c lo\u1ea1i ch\u1ee7 th\u1ec3 giao d\u1ecbch ngo\u00e0i c\u00e1 nh\u00e2n, ph\u00e1p nh\u00e2n th\u00ec c\u00f2n c\u00f3 h\u1ed9 gia \u0111\u00ecnh, h\u1ed9 kinh doanh, h\u1ee3p t\u00e1c x\u00e3, doanh nghi\u1ec7p t\u01b0 nh\u00e2n. B\u1ed9 lu\u1eadt D\u00e2n s\u1ef1 m\u1edbi c\u00f3 hi\u1ec7u l\u1ef1c t\u1eeb 2017 ch\u1ec9 th\u1eeba nh\u1eadn hai ch\u1ee7 th\u1ec3 l\u00e0 c\u00e1 nh\u00e2n v\u00e0 ph\u00e1p nh\u00e2n.\u00a0<\/em><\/p>\n

Theo \u0111\u00f3, 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). 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 \u0111\u00e3 c\u00f3 quy \u0111\u1ecbnh n\u00e0y v\u00e0 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.\u00a0<\/em><\/p>\n

\u00d4ng Tr\u01b0\u01a1ng Thanh \u0110\u1ee9c c\u0169ng nh\u00ecn nh\u1eadn, Th\u00f4ng t\u01b0 s\u1ed1 39 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 m\u1edbi. Vi\u1ec7c b\u1ecf ch\u1ee7 th\u1ec3 vay v\u1ed1n h\u1ed9 gia \u0111\u00ecnh th\u1ef1c ch\u1ea5t ch\u1ec9 l\u00e0 thay \u0111\u1ed5i c\u00e1i v\u1ecf h\u00ecnh th\u1ee9c l\u00e0 t\u00ean g\u1ecdi.\u00a0<\/em><\/p>\n

N\u1ebfu tr\u01b0\u1edbc \u0111\u00e2y \u0111\u1ed1i v\u1edbi h\u1ed9 gia \u0111\u00ecnh hay h\u1ed9 kinh doanh, ch\u1ec9 c\u1ea7n ch\u1ee7 h\u1ed9 gia \u0111\u00ecnh ho\u1eb7c ch\u1ee7 h\u1ed9 kinh doanh \u0111\u1ea1i di\u1ec7n h\u1ed9 k\u00fd h\u1ee3p \u0111\u1ed3ng vay v\u1ed1n v\u1edbi ng\u00e2n h\u00e0ng, c\u00f2n t\u1eeb ng\u00e0y 15\/3\/2017 khi Th\u00f4ng t\u01b0 39 c\u00f3 hi\u1ec7u l\u1ef1c, n\u1ebfu h\u1ed9 gia \u0111\u00ecnh hay h\u1ed9 kinh doanh c\u00f3 m\u1ed9t th\u00e0nh vi\u00ean th\u00ec ch\u1ec9 c\u1ea7n m\u1ed9t ng\u01b0\u1eddi duy nh\u1ea5t k\u00fd h\u1ee3p \u0111\u1ed3ng v\u1edbi ng\u00e2n h\u00e0ng.\u00a0<\/em><\/p>\n

Ti\u1ebfn s\u1ef9 Nguy\u1ec5n Tr\u00ed Hi\u1ebfu, chuy\u00ean gia T\u00e0i ch\u00ednh – Ng\u00e2n h\u00e0ng c\u0169ng cho r\u1eb1ng, vi\u1ec7c thay \u0111\u1ed5i n\u00e0y kh\u1eb3ng \u0111\u1ecbnh r\u00f5 r\u00e0ng h\u01a1n tr\u00e1ch nhi\u1ec7m c\u1ee7a ng\u01b0\u1eddi \u0111i vay, t\u01b0 c\u00e1ch ph\u00e1p l\u00fd c\u1ee7a ng\u01b0\u1eddi \u0111i vay \u0111\u01b0\u1ee3c th\u1ec3 hi\u1ec7n r\u00f5 h\u01a1n. C\u1ea7n hi\u1ec3u \u0111\u00e2y l\u00e0 s\u1ef1 \u0111i\u1ec1u ch\u1ec9nh \u0111\u00fang m\u1ef1c, x\u00e9t to\u00e0n di\u1ec7n th\u00ec c\u00f3 l\u1ee3i cho c\u1ea3 ng\u01b0\u1eddi cho vay v\u00e0 ng\u01b0\u1eddi vay.<\/p>\n

V\u1ec1 l\u00e3i su\u1ea5t, hi\u1ec7n \u0111ang c\u00f3 nhi\u1ec1u \u00fd ki\u1ebfn lo l\u1eafng r\u1eb1ng c\u00f3 s\u1ef1 thay \u0111\u1ed5i v\u1ec1 ch\u1ee7 th\u1ec3 \u0111\u01b0\u1ee3c vay th\u00ec c\u0169ng s\u1ebd c\u00f3 s\u1ef1 thay \u0111\u1ed5i v\u1ec1 l\u00e3i su\u1ea5t cho vay. B\u1edfi n\u1ebfu vay v\u1ed1n v\u1edbi t\u01b0 c\u00e1ch c\u00e1 nh\u00e2n c\u00f3 th\u1ec3 s\u1ebd ph\u1ea3i ch\u1ecbu l\u00e3i su\u1ea5t cao h\u01a1n t\u01b0\u01a1ng t\u1ef1 nh\u01b0 vay ti\u00eau d\u00f9ng.<\/p>\n

Tr\u01b0\u1edbc nh\u1eefng lo ng\u1ea1i n\u00e0y, Ng\u00e2n h\u00e0ng Nh\u00e0 n\u01b0\u1edbc \u0111\u00e3 kh\u1eb3ng \u0111\u1ecbnh, l\u00e3i su\u1ea5t vay do t\u1ed5 ch\u1ee9c t\u00edn d\u1ee5ng 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 t\u1ed5 ch\u1ee9c t\u00edn d\u1ee5ng; 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.<\/p>\n

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.<\/p>\n

\u201cV\u1ec1 l\u00e3i su\u1ea5t cho vay c\u1ee7a c\u00e1c ng\u00e2n h\u00e0ng c\u0169ng kh\u00f4ng ph\u1ee5 thu\u1ed9c v\u00e0o t\u01b0 c\u00e1ch ph\u00e1p nh\u00e2n vay v\u1ed1n m\u00e0 th\u01b0\u1eddng ph\u1ee5 thu\u1ed9c v\u00e0o m\u1ee5c \u0111\u00edch vay v\u1ed1n, s\u1eed d\u1ee5ng v\u1ed1n v\u00e0o m\u1ee5c \u0111\u00edch kinh doanh hay ti\u00eau d\u00f9ng; ph\u1ee5 thu\u1ed9c v\u00e0o d\u1ef1 \u00e1n vay v\u1ed1n. H\u1ec7 th\u1ed1ng ng\u00e2n h\u00e0ng kh\u00f4ng ph\u00e2n bi\u1ec7t \u00e1p l\u00e3i su\u1ea5t kh\u00e1c nhau khi thay \u0111\u1ed5i ch\u1ee7 th\u1ec3 cho vay n\u00e0y\u201d, \u00f4ng \u0110o\u00e0n Th\u00e1i S\u01a1n nh\u1ea5n m\u1ea1nh.<\/p>\n

\u0110\u1ed7 Huy\u1ec1n<\/strong>\u00a0<\/strong>(TTXVN\/Tin T\u1ee9c)<\/em><\/p>\n

———————————<\/p>\n

Tin t\u1ee9c (Kinh t\u1ebf) 19-3-2017:<\/em><\/strong><\/p>\n

http:\/\/baotintuc.vn\/kinh-te\/hieu-cho-dung-ve-chinh-sach-cho-vay-moi-20170319081419696.htm<\/em><\/a><\/p>\n

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(TT) – Ng\u00e2n h\u00e0ng Nh\u00e0 n\u01b0\u1edbc v\u1eeba ban h\u00e0nh Th\u00f4ng t\u01b0 s\u1ed1 39\/2016\/TT-NHNN quy \u0111\u1ecbnh vi\u1ec7c cho vay c\u1ee7a c\u00e1c t\u1ed5 ch\u1ee9c t\u00edn d\u1ee5ng \u0111\u1ed1i v\u1edbi kh\u00e1ch h\u00e0ng (Th\u00f4ng t\u01b0 39). Gia \u0111\u00ecnh anh L\u00ea \u0110\u1ee9c T\u0129nh \u1edf x\u00e3 T\u00e0m X\u00e1, huy\u1ec7n \u0110\u00f4ng Anh (H\u00e0 N\u1ed9i) vay v\u1ed1n \u01b0u \u0111\u00e3i Ch\u01b0\u01a1ng tr\u00ecnh cho vay gi\u1ea3i […]<\/p>\n","protected":false},"author":3,"featured_media":28298,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":""},"categories":[17,26],"tags":[],"class_list":["post-28297","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-binh-luan-gop-y","category-legal-media"],"acf":[],"yoast_head":"\n1.248. 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